Business Details
50+ Years
experience
Your Trusted Insurance Partner in Fort Myers, FL
For over 40 years, Lott & Gaylor has been dedicated to providing personalized insurance solutions tailored to the unique needs of individuals and businesses in Southwest Florida. Our mission centers on delivering comprehensive coverage, competitive pricing, and exceptional service, ensuring clients receive the protection they deserve. With a legacy rooted in honesty and integrity since Frank Lott began writing policies in 1956, we prioritize understanding local challenges and client concerns.Our team of seasoned professionals takes a proactive approach to risk management, offering expert guidance across home, auto, business, and specialty insurance. By maintaining independence, we match clients with the most suitable insurers, advocating for their best interests. Our commitment to transparency, responsiveness, and community-focused service has solidified our reputation as a trusted partner in safeguarding what matters most.
Services
Homeowners Insurance
Auto Insurance
Business Insurance
Flood Insurance
Life Insurance
Boat Insurance
Commercial Property Insurance
Professional Liability Insurance
Workers Compensation Insurance
Umbrella Insurance
Details
- Year established: 1956
Highlights and features
- We offer 65+ years of combined experience in Southwest Florida insurance needs.
- Our team provides personalized service tailored to individual and business requirements.
- We advocate for clients by partnering with top insurers to secure optimal coverage.
- Our proactive approach addresses potential risks before they become issues.
- We maintain a proven track record of responsive claims support and community trust.
What people say
Excellent customer service
Quick turn-around
Responsive and knowledgeable
Advocate for clients
Competitive pricing
Services
Homeowners Insurance
Protect your home with customized policies addressing property damage, liability, and natural disaster risks. We offer flood insurance, loss assessment coverage, and umbrella policy options to enhance protection. Our agents help Southwest Florida residents secure affordable rates while ensuring comprehensive safeguards against hurricanes, water damage, and other regional threats.
Business Insurance
Safeguard your business with tailored liability, property, and cyber insurance solutions. We provide coverage for business interruptions, lawsuits, and employee-related risks across industries like construction, hospitality, and professional services. Our 30+ years of commercial expertise ensures policies that protect assets and maintain operational continuity during unexpected events.
Flood Insurance
Secure specialized flood coverage through the National Flood Insurance Program (NFIP) and private insurers. We address Florida's unique flood risks with policies covering structural damage, personal property losses, and post-storm recovery. Our team explains Risk Rating 2.0 changes and helps clients in high-risk zones obtain affordable protection for peace of mind.
Auto Insurance
Get competitive auto insurance rates with customizable liability, collision, and comprehensive coverage. We assist clients in navigating Florida's no-fault laws, securing uninsured motorist protection, and bundling policies for discounts. Our service includes classic car, motorcycle, and RV insurance options tailored to diverse driving needs.
Life Insurance
Plan for your family's future with term and permanent life insurance policies. We help clients evaluate coverage amounts, beneficiary designations, and policy riders to meet long-term financial goals. Our guidance ensures protection for mortgages, education funds, and estate planning while offering competitive rates from trusted insurers.
People
David Maxwell
Commercial Insurance Specialist
With decades of experience, David specializes in commercial insurance solutions for HOAs and businesses. He advocates for clients during claims processes and secures competitive rates through his extensive industry network while maintaining a focus on Southwest Florida's unique risks.
Dawn Angeloni
Commercial Insurance Specialist
Dawn provides expert commercial insurance guidance, focusing on policy customization and risk management for businesses and community associations. Her responsive approach ensures clients receive timely support for claims and coverage adjustments during critical moments.
Megan
Customer Service Representative
Megan delivers attentive support to policyholders, addressing insurance needs with prompt communication and thorough explanations. Her client-focused service ensures seamless policy management and personalized attention to individual and business account inquiries.
Questions
What types of insurance do you offer?
We provide homeowners, auto, business, flood, life, boat, RV, and specialty insurance including professional liability and workers' compensation policies tailored to Southwest Florida residents and businesses.
How can I get a quote?
Request a quote online through our website or contact our Fort Myers office directly. Our agents will review your needs and provide personalized coverage options within one business day.
Do you specialize in Florida-specific risks?
Yes, we focus on regional challenges like hurricane preparedness, flood insurance, and property protection tailored to Southwest Florida's climate and regulatory environment.
Can you help with insurance claims?
Our team assists with claims filing, documentation, and follow-up to ensure timely resolution. We advocate for clients during hurricane-related claims and complex commercial insurance matters.
Are you an independent agency?
Yes, we partner with multiple top-rated insurers to find coverage that best matches your specific requirements rather than offering limited proprietary products.
