Business Details
50+ Years
experience
Your Trusted Insurance Partner in Hagerstown Since 1914
Established in 1914, Wright-Gardner has built a legacy of trust and reliability in Hagerstown, Maryland, and surrounding areas. As one of the largest independent agencies in the tri-state region, we specialize in crafting personalized insurance programs that combine financially stable carriers with appropriate coverage at competitive prices. Our mission focuses on long-term client relationships rooted in trust, professionalism, and comprehensive protection for individuals and businesses alike.With expert guidance from our experienced team, clients receive tailored solutions for home, auto, and specialty insurance needs, including estate bonds and cyber liability coverage. We distinguish ourselves through free consulting services, 24-hour policyholder access, and a deep commitment to community values in an industry dominated by corporate entities.
Services
Home Insurance
Auto Insurance
Medical Malpractice
General Liability
Cyber Liability
Surety Bonds
Commercial Auto
Property Insurance
Estate Bonds
Flood Insurance
Details
- Year established: 1914
Highlights and features
- We provide 24-hour policyholder access with 365-day support.
- Our free consulting services help reduce business insurance premiums by up to 30%.
- We offer tailored insurance programs covering 47+ states with local expertise.
- Our hands-on approach combines over 100 years of industry experience with personalized service.
- We maintain A+ ratings with major insurance carriers for policyholder protection.
Services
Medical Malpractice
Our specialized insurance solutions protect medical professionals against claims of negligence, errors, and omissions. Our team offers tailored policies covering malpractice, cyber liability, employment practice liability, and office packages. Led by industry experts with healthcare backgrounds, we provide 24/7 policyholder support and comprehensive risk management strategies for physicians, nurses, and healthcare organizations.
Surety Bonds
We provide critical bonding solutions for construction professionals including bid, performance, payment, maintenance, and supply bonds. These financial guarantees ensure contractual obligations are met while protecting project stakeholders. Our bonding specialists work with contractors nationwide to secure necessary project requirements and maintain compliance with regulatory standards across commercial and infrastructure developments.
Cyber Liability
This specialized coverage protects businesses against financial losses from data breaches, cyber attacks, and digital threats. Our comprehensive policies address data recovery costs, legal liabilities, regulatory fines, and business interruption losses. We work with enterprises across industries to implement customized cybersecurity risk management programs that include both preventive and reactive components to safeguard valuable digital assets.
Home Insurance
We offer comprehensive residential coverage protecting against fire, theft, and natural disasters including earthquakes, floods, and hurricanes. Our policies include dwelling coverage, personal property protection, liability insurance, and optional riders for high-value items. With flexible deductibles and coverage limits, we help homeowners create customized protection plans that align with their specific risk profiles and property characteristics.
Estate Bonds
Also known as fiduciary bonds, these specialized instruments guarantee proper management of estate assets during probate proceedings. We provide bonding solutions for executors, administrators, and trustees that protect beneficiaries against financial mismanagement. Our estate bond specialists work with legal professionals and estate planners to ensure compliance with court requirements while maintaining financial accountability throughout the estate administration process.
People
Julie W. Wright
Medical Insurance Specialist
With nursing background and insurance expertise, Julie leads our medical professional insurance division. She develops customized coverage solutions for healthcare providers while maintaining focus on risk management and claims support for policyholders.
Questions
What types of insurance do you offer for small businesses?
We provide comprehensive commercial coverage including general liability, cyber liability, workers' compensation, professional liability, and commercial auto insurance tailored to meet specific business needs.
How can I get 24/7 policyholder support?
Our policyholders receive round-the-clock access to emergency claims assistance and account management services through our dedicated support line and online portal.
Do you offer free insurance consultations?
Yes, we provide complimentary risk assessment consultations to help businesses identify coverage gaps and optimize insurance programs for better protection and cost efficiency.
In which states are you licensed to operate?
We offer insurance products across 47+ states including major markets in the Mid-Atlantic, Southeast, Midwest, and Western regions of the United States.
How do you handle property damage claims?
Our claims specialists prioritize prompt investigation and resolution while maintaining transparent communication with policyholders throughout the entire claims process.
Reviews (7)
Elena Anderson
Jun 12, 2022
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They have insured my business since its first year and have been so helpful. I have found their policies to be very competitive and comprehensive for my business needs.
Sylvia Young
Apr 11, 2022
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I had a great experience with Wright-Gardner Insurance when trying to purchase liability insurance for our non-profit. The forms were very complicated and asked questions that did not pertain to us, but the staff were there with me every step of the way. They went through the process and application with me question by question. I will tell you it took at least 45 minutes to an hour, but they were patience, courteous and knowledgeable. They didn't give up until we had the policy we needed and completed. Thanks to all who helped me through this process. I could not have done it without you.
Michael Gardner
Sep 23, 2021
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I live 115 miles from Wright-Gardner in another state but it is as if I live nest door. Their response, communication and commitment definitely exceed my expectations.
Meg Murphy
Jun 24, 2021
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Great company! My husband and I are not the most organized people when it comes to things like this but Linda has been more than amazing to us. She is always helpful no matter how much we bug her and she is always very fast and helpful with her responses. Thank You.
Lynne Kirby
Jun 10, 2021
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Our representative has been fabulous. She has helped us with the best coverages for the best price for our car and home insurance. When we have had to place a claim they were very helpful and thorough and always concerned about us. We have had a variety of insurance agencies and agents over the past 50 years but this company and their team us by far the best. Recommendations all the way.
Bobby Miller
Apr 07, 2021
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Excellent insurance company. They have taken excellent care of me for over a decade. The staff is friendly and helpful. The cost of insurance is very reasonable and the coverage is excellent. Great value! I highly recommend Wright Gardner.
Ashley Shirley
Jan 20, 2021
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Best Insurance company! Not only are they responsive but they will help you in any way possible. We deal with a lot of insurance companies (most of which do not reply no sooner then a week or unless payment is due OR will over insure you for stuff you don't even need) and Wright-Gardner beats them all. they don't make you feel like they just want your money and leave. Renee' Brennan has been SO helpful these past few months, when we needed insurance fast and affordable she worked like crazy and made that possible for our company.
She'll explain everything to you if you don't understand and she'll get you exactly what you need. Absolute pleasure working with her! Needless to say we intend on switching a lot of our personal and business insurance over to Wright-Gardner.
She'll explain everything to you if you don't understand and she'll get you exactly what you need. Absolute pleasure working with her! Needless to say we intend on switching a lot of our personal and business insurance over to Wright-Gardner.
