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Your Local Fredericksburg Independent Insurance Agency

G.L. Herndon Insurance Agency specializes in Auto/Car Insurance, Homeowners Insurance, Business/Commercial Insurance, and Medicare Supplements.

G.L. Herndon Insurance Agency Inc. has been serving the Fredericksburg, Virginia area for over 50 years. We are family owned and operated and take pride in serving our clients as if they are part of our family.

We offer auto/car insurance, home insurance, life insurance, and commercial/business insurance. We welcome the opportunity to review your current insurance policies to insure you are adequately covered in the unfortunate event of a loss. Please feel free to contact us at (800) 782-9548.

Geary L. Herndon
Geary L. Herndon
CEO
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Auto Insurance

Paying too much for auto insurance? With our flexible coverage options and expert service, you’ll know that your vehicle is getting the best protection possible.
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Home Insurance

Your home is your greatest investment, but you shouldn’t have to break the bank to insure it. Find out how much we can save you on your policy.
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Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs. Let us find the best coverage at the best rates for you.
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Recent News & Updates

Life Insurance Options for High-Risk Jobs

Posted: December 7, 2025

Insurers care less about your job title and more about what you actually do, where you do it, and how often. High-risk commonly includes construction trades (ironworkers, roofers, tower climbers), first responders, pilots and flight crew, commercial divers, offshore/oilfield roles, and certain utility and logging work. Underwriting flags focus on duties (heights, confined spaces, explosives, aircraft, underwater tasks), environment (remote sites, extreme weather, open water),...

4 Reasons to Purchase Business Interruption Insurance

Posted: December 4, 2025

The Need for Revenue Doesn’t Pause When You Can’t Do Business Business interruption (BI) insurance replaces lost income when a covered peril forces you to slow or stop operations. Typical triggers include fire, wind, or water damage that makes your premises unsafe or unusable, or a direct physical loss to key equipment that halts production.  Property insurance pays to repair buildings and equipment; BI covers...

A Guide to Winterizing Your Home

Posted: December 2, 2025

Drafts, Doors, and Dollars To winterize your home, start with the biggest leaks, such as attic hatches, exterior doors, baseboards, and windows. Add adhesive weatherstripping to door jambs and sweeps to the bottom edge; use silicone caulk around window and door casings, plumbing penetrations, and where siding meets the foundation. Do a simple smoke-pencil test: on a windy day, turn on kitchen/bath fans, then move...

5 Reasons Why Life Insurance is Essential for Your Family’s Future

Posted: November 22, 2025

Life insurance is a valuable financial tool to help you protect your loved ones. It can provide peace of mind, stability, and long-term benefits that go far beyond a single payout. Whether you are starting a family or planning for retirement, the right life insurance policy can help ensure financial security for years to come. The following are five key reasons why life insurance is...

Specializing In Erie Insurance

Erie Insurance has been helping customers since 1925 with their auto, home, business, and life insurance needs.
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