Business Details
31 Years
experience
Your Independent Insurance Experts in West Virginia
Founded in 1995, Garlow Insurance Agency has established itself as a trusted independent insurance brokerage serving West Virginia. Our team of over 65 professionals operates from four strategically located offices, offering personalized insurance solutions tailored to individual and business needs. With access to 170+ carrier partnerships, we provide comprehensive coverage options across personal, commercial, and employee benefit insurance lines.Our commitment to client advocacy is demonstrated through our concierge-style service approach, where we prioritize understanding unique risk profiles to deliver customized protection strategies. As a locally owned agency, we combine national carrier resources with community-focused service, ensuring clients receive both competitive pricing and dedicated support throughout the policy lifecycle.
Services
Auto Insurance
Home Insurance
Business Insurance
Employee Benefits
Umbrella Insurance
Flood Insurance
Commercial Property
Cyber Liability
Group Health Plans
Excess Liability
Details
- Year established: 1995
Highlights and features
- We offer 25+ years of local insurance expertise in West Virginia
- Our team provides personalized service with 4 convenient office locations
- We maintain 170+ carrier partnerships for comprehensive coverage options
- Our agents deliver tailored risk management solutions for unique needs
- We've served 3,000+ policies with exceptional client satisfaction
What people say
Delightful staff
Excellent coverage
Quick answers
Exemplary service
Personal service
Services
Personal Insurance
We provide comprehensive personal insurance solutions protecting individuals' assets and lifestyles. Our offerings include auto, home, renters, and umbrella policies tailored to specific risk profiles. With replacement cost coverage options and valuable possessions scheduling, we ensure policyholders maintain financial security against unexpected events. Our advisors help clients navigate coverage gaps while maintaining compliance with lender requirements for properties and vehicles.
Business Insurance
Our business insurance programs protect commercial operations through customized risk management strategies. We offer general liability, cyber liability, commercial property, and business auto coverage options. Specialized solutions address industry-specific exposures while ensuring regulatory compliance. Our team helps businesses implement cost-effective protection against property damage, liability claims, and operational disruptions across various sectors in West Virginia.
Employee Benefits
We design comprehensive employee benefits packages that attract and retain talent while meeting employer needs. Our offerings include group health, dental, vision, and voluntary benefits programs. We help businesses navigate ACA compliance while balancing premium costs and coverage quality. Our consultants provide ongoing support for plan administration and employee education to maximize program effectiveness.
Umbrella Insurance
Our umbrella insurance policies provide critical liability protection beyond standard policy limits. This coverage extends across personal and commercial risks, protecting assets against catastrophic claims. We help clients determine appropriate coverage levels based on net worth and exposure factors. Policies integrate with existing auto, home, and business insurance for comprehensive risk management.
Home Insurance
We offer specialized home insurance solutions covering structural and personal property risks. Our policies address fire, water damage, liability exposures, and unique risks like trampoline coverage. Replacement cost options and flood insurance endorsements ensure adequate protection. We help homeowners understand policy details and make informed decisions about coverage limits and endorsements.
People
Philip Garlow
Agency President
Philip Garlow founded the agency in 1995 with a commitment to personalized service. He grew the business from a home office to a multi-location agency employing 65+ professionals. His leadership emphasizes community values and client advocacy while maintaining access to national carrier resources.
Questions
What types of insurance do you offer?
We provide personal insurance (auto, home, renters), business insurance (liability, cyber, commercial property), and employee benefits programs including group health coverage across West Virginia.
How can I get a quote?
Request a quote through our website or contact our South Charleston office directly. Our agents will help assess your needs and provide customized coverage options within business hours.
Do you serve areas outside Charleston?
Yes, we have four office locations serving South Charleston, Hurricane, Point Pleasant, and Glasgow with coverage available throughout West Virginia.
What sets you apart from other agencies?
We combine 25+ years of local expertise with access to 170+ carrier partnerships, offering personalized solutions while maintaining the personalized service of a locally owned agency.
Can you help with specialized insurance needs?
Yes, we offer specialized coverage options including umbrella policies, flood insurance, valuable possessions scheduling, and commercial risk management solutions tailored to specific business requirements.
