How many carriers does your agent quote in order to provide you the most competitive pricing? Most competing insurance agencies are restricted to offering you 1 or 2 carriers because they are considered "captive agents" and are employed by the carrier they represent. If you have a problem with your policy, is the agency available and willing to resolve your issues in a satisfactory manner?
If you are looking for a competitive quote and it is important to you there is someone local you can talk to when you have questions or concerns - talk to us! Besides providing the best service humanly possible, you will be greeted with friendly smiles and a great cup of coffee.
If you are looking for a competitive quote and it is important to you there is someone local you can talk to when you have questions or concerns - talk to us! Besides providing the best service humanly possible, you will be greeted with friendly smiles and a great cup of coffee.
Services
Gerard Insurance Services (GIS) was established in 1983 by Fred Gerard.
Fred had some negative experiences with insurance agents not servicing his accounts properly and not being in the office during business hours.
Complaining didn't seem to help so he finally decided to become an agent himself.
One of Fred's main goals was to ensure that clients received quick, efficient service, that someone was always available during business hours and that they were treated like family.
At the present time, over 70% of new business comes from referrals which testify that GIS is adhering to his mission statement.
Fred had some negative experiences with insurance agents not servicing his accounts properly and not being in the office during business hours.
Complaining didn't seem to help so he finally decided to become an agent himself.
One of Fred's main goals was to ensure that clients received quick, efficient service, that someone was always available during business hours and that they were treated like family.
At the present time, over 70% of new business comes from referrals which testify that GIS is adhering to his mission statement.
My life has been directed by a passion to serve others.
Former Music Teacher at Calaveras High School from 1968-2002.
Director of Music Ministries at San Andreas Community Covenant Church from 2005-2015 President of Calaveras Youth Organization, dedicated to supporting Music Education in Calaveras County.
Insurance Agent for Gerard Insurance Services from 2002-2015, serving personal and commercial lines.
Happy and blessed to be married to Ingrid Hjelmervik.
Between us we have 4 children and 10 grandchildren and many friends.
Former Music Teacher at Calaveras High School from 1968-2002.
Director of Music Ministries at San Andreas Community Covenant Church from 2005-2015 President of Calaveras Youth Organization, dedicated to supporting Music Education in Calaveras County.
Insurance Agent for Gerard Insurance Services from 2002-2015, serving personal and commercial lines.
Happy and blessed to be married to Ingrid Hjelmervik.
Between us we have 4 children and 10 grandchildren and many friends.
Hello my name is Debra Scott.
I came on board with Fred and his team in February of 2018.
I bring 19 years of insurance experience to the office.
I grew up in San Ramon where I met my husband, Mike and after having two kids decided to make the move up to Calaveras county and make this our home in 2003.
I spend my free time hiking, cooking and being a "pit mom" for my two kids, Cody and Sierra at their dirt bike races.
I am excited to help grow "Gerard Insurance" by getting out into the community and educating people of their insurance needs.
I came on board with Fred and his team in February of 2018.
I bring 19 years of insurance experience to the office.
I grew up in San Ramon where I met my husband, Mike and after having two kids decided to make the move up to Calaveras county and make this our home in 2003.
I spend my free time hiking, cooking and being a "pit mom" for my two kids, Cody and Sierra at their dirt bike races.
I am excited to help grow "Gerard Insurance" by getting out into the community and educating people of their insurance needs.
Hi, I am Mickie Allen.
I have lived in Calaveras County since 2004 after moving from Texas.
I have been in the insurance business since 2005.
My husband and I enjoy camping, working in our yard and spoiling our 2 cats.
We enjoy the quiet surroundings and all of the wild life ( even Yogi, our bear ) on our beautiful property in Calaveras County mountains.
I love the friendly people that I meet every day here at Gerard Insurance and look forward to meeting you.
I have lived in Calaveras County since 2004 after moving from Texas.
I have been in the insurance business since 2005.
My husband and I enjoy camping, working in our yard and spoiling our 2 cats.
We enjoy the quiet surroundings and all of the wild life ( even Yogi, our bear ) on our beautiful property in Calaveras County mountains.
I love the friendly people that I meet every day here at Gerard Insurance and look forward to meeting you.
Auto insurance is meant to protect you if you cause injuries to others or damage their property in an auto accident.
It can also provide protection if your car is damaged in an accident or is stolen.
What protection you have is spelled out in your auto insurance policy.
An auto insurance policy is a contract between you and an insurance company.
You, the customer, pay a certain amount ("premium") to the insurance company in exchange for a set of coverages you selected.
Your policy sets forth what the insurance company will or will not cover.
It can also provide protection if your car is damaged in an accident or is stolen.
What protection you have is spelled out in your auto insurance policy.
An auto insurance policy is a contract between you and an insurance company.
You, the customer, pay a certain amount ("premium") to the insurance company in exchange for a set of coverages you selected.
Your policy sets forth what the insurance company will or will not cover.
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