Business Details
43 Years
experience
Your Trusted Independent Insurance Agency in Calaveras County
Since 1983, Gerard Insurance Services has been dedicated to providing reliable, personalized insurance solutions for individuals, families, and businesses in Calaveras County and surrounding areas. As the largest independent insurance agency in the region, we combine local expertise with a wide range of insurance options to protect what matters most to our clients. Our team of experienced agents works with multiple top-rated insurance carriers to ensure competitive rates and customized policies.We prioritize personalized service, avoiding call centers and automated systems in favor of real, local agents who understand the unique needs of our community. With over four decades of experience, we remain committed to serving our neighbors with integrity, transparency, and a focus on long-term relationships. Our mission is to provide top-tier insurance solutions with a personal touch, ensuring our clients receive honest advice and fast, responsive support whenever needed.
Services
Auto Insurance
Home Insurance
Business Insurance
Health Insurance
Life Insurance
RV Insurance
Boat Insurance
Renter's Insurance
Landlord Insurance
Specialty Insurance
Details
- Year established: 1983
Highlights and features
- We have over 40 years of experience serving Calaveras County.
- We are locally owned and understand regional insurance needs.
- We provide personalized service with real agents, not call centers.
- We offer a wide range of insurance options through multiple carriers.
- We prioritize community involvement and long-term client relationships.
Services
Auto Insurance
Gerard Insurance Services offers comprehensive auto insurance policies tailored to protect drivers in Calaveras County. Our coverage includes liability, collision, and comprehensive protection for personal and commercial vehicles. With partnerships across top-rated carriers, we ensure competitive rates and personalized policy adjustments to meet individual needs.
Home Insurance
Our home insurance solutions safeguard homeowners and renters against risks like fire, theft, and natural disasters in Calaveras County. Policies include dwelling coverage, personal property protection, and liability insurance. We specialize in customized plans for primary residences, rental properties, and seasonal homes.
Business Insurance
Gerard Insurance Services provides tailored business insurance packages including general liability, property coverage, and workers' compensation. We serve local businesses with risk assessments and policy options that protect against lawsuits, property damage, and operational disruptions through multiple carrier partnerships.
Health Insurance
We offer individual and group health insurance plans with options for medical, dental, and vision coverage. Our agents specialize in Medicare solutions and work with clients to find affordable policies that meet their healthcare needs and budget requirements.
Life Insurance
Our life insurance products include term and permanent policies designed to protect families and business interests. We help clients establish coverage amounts that ensure financial stability for dependents, funeral expenses, or business succession planning.
People
Fred Gerard
Owner/Broker
Fred Gerard founded Gerard Insurance Services in 1983 after serving in the U.S. Navy and working in local business. He brings decades of insurance expertise and community knowledge to help clients secure reliable coverage.
Cynthia Marshall
Office Manager/Agent
Cynthia Marshall specializes in health and Medicare insurance, providing personalized guidance since 2015. Her focus on client education and coverage optimization ensures clients receive tailored healthcare solutions.
Neil Hjelmervik
Commercial Lines Agent
Neil Hjelmervik combines music education experience with insurance expertise, serving clients since 2002. He specializes in commercial and personal lines insurance while maintaining active community involvement.
Debra Scott
Commercial Lines Agent
Debra Scott offers 27 years of insurance experience, specializing in commercial lines and homeowners policies. Her background in business management and local community engagement enhances her client service approach.
Rachelle Smith-Covey
Commercial and Personal Lines Agent
Rachelle Smith-Covey brings 15 years of customer service experience to her insurance practice. She focuses on building community connections while providing personalized coverage solutions for individuals and businesses.
Questions
What areas do you serve?
We primarily serve Calaveras County, CA including San Andreas, and surrounding areas.
Are you a local agency?
Yes, we've been locally owned and operated in Calaveras County since 1983.
What insurance types do you offer?
We provide auto, home, business, health, life, RV, boat, renter's, landlord, and specialty insurance.
How do you find competitive rates?
As an independent agency, we compare policies across multiple top-rated insurance carriers to find you the best rates.
Can I get personalized service?
Our team provides one-on-one consultations to create customized insurance solutions tailored to your specific needs.
