Gerard Insurance Services

Serving the Mother Lode Since 1983.

We’re Ready to Help!

Working With an Independent Insurance Broker

Many people come to us because they're overwhelmed by insurance options, concerned about rising costs, or simply want a second opinion before making an important decision. That's where we can help. As an independent insurance broker serving Tuolumne, Calaveras, and Amador Counties, we take the time to understand your situation, explain your options, and help you find coverage that fits your life.

Families & Individuals

Protect the people and things that matter most with coverage that fits to your needs and budget.

Business Owners

From liability protection to commercial coverage, we’ll help you find insurance that supports your business.

Medicare & Health Guidance

Get clear answers and personalized support when exploring Medicare and health insurance options.

Why Choose Gerard Insurance?

Whether you’re reviewing your current coverage, exploring Medicare options, or protecting your business, we’re here to help you understand your choices and make informed decisions.

Over 40 Years of Experience

Established in 1983 by Fred Gerard, Gerard Insurance Services has been serving Calaveras County for over four decades.

Locally Owned & Operated

We are not a corporate chain. We understand the unique insurance needs of our local communities.

Wide Range of Insurance Options

We offer auto, home, business, life, farm, health insurance and more.

Personalized Customer Service

No call centers or automated systems—real people, real service.

A Community-Driven Business

We support and give back to the local communities we serve.

Convenient & Reliable

With a permanent location in San Andreas, we’re always here when you need us.

More About Gerard Insurance

I have been going to Gerard Insurance for a long time, and every time I visit, it has been nothing but smooth sailing. The staff is always friendly and attentive, making me feel valued as a customer. Their expertise and willingness to help have made my insurance experience stress-free and enjoyable. I truly appreciate their commitment to providing personalized service, and I wouldn’t trust my insurance needs to anyone else.

Ruben

San Andreas, CA

Local Insurance Guidance for Every Stage of Life

Life changes, and your insurance needs often change with it. Gerard Insurance Services provides personalized guidance and local support to help you protect what matters most.

Auto, Motorcycle, RV and Boat Insurance

Home, Renters, and Landlord Insurance

Business Insurance

Health Insurance

Life Insurance

Specialty Insurance

Explore All Of Our Services

      EXCELLENT  
   Based on 49 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Suzy Serra 
 
 
 
 Trustindex verifies that the original source of the review is Google. Cynthia is extremely knowledgeable and professional. Always going above and beyond.
Thank you
  
 
      Posted on Google  
   
   Laurie Meira 
 
 
 
 Trustindex verifies that the original source of the review is Google. Alessia is very knowledgeable and finds the best fit for each client ♡
  
 
      Posted on Google  
   
   Steve Hannigan 
 
 
 
 Trustindex verifies that the original source of the review is Google. Cynthia is very knowledgeable in all things related to insurance! She was very helpful in navigating any potential problems. I highly recommend her and Gerard Insurance.
  
 
      Posted on Google  
   
   Mark Pepitone 
 
 
 
 Trustindex verifies that the original source of the review is Google. I contacted Cynthia Marshall to assist me with my transition to Medicare.  She is so friendly,  professional and I was totally happy with her services.
  
 
      Posted on Google  
   
   Rocco Devencenzi 
 
 
 
 Trustindex verifies that the original source of the review is Google. When I'm looking at reviews i often look at the lowest reviews first,  I do this to get more foresight on simular cases. They are usually the most truthful.It seems Gerard insurance is managed by a single supervisor that
is a person thats a especially good at putting on a fake and false personal face for her clientel. When actually her clientele comes last to her convenience on dealing with even the most simplest of clients important matters. I've personally waited a week for reply from her. Walk out shes bad business.
  
 
      Posted on Google  
   
   Calaveras Chamber of Commerce 
 
 
 
 Trustindex verifies that the original source of the review is Google. Gerard Insurance is a true gem in Calaveras County! Their team is knowledgeable, responsive, and genuinely cares about their clients. Whether you’re looking for personal coverage or something more complex, they take the time to explain everything clearly and help you find the best fit for your needs. It’s rare to find a business that blends professionalism with such a warm, neighborly feel. You can tell they’re deeply rooted in the community and take pride in the relationships they’ve built. We're so grateful to have them in our corner—Gerard Insurance makes navigating insurance easy and stress-free!
  
 
      Posted on Google  
   
   DAX54 
 
 
 
 Trustindex verifies that the original source of the review is Google. Cynthia at Gerard Insurance know her stuff on picking the policy that best suits the individual.
  
 
      Posted on Google  
   
   Sue Funkey 
 
 
 
 Trustindex verifies that the original source of the review is Google. Omg Aleshia is the best and truly takes care of m needs thank you.  Give her a raise