Serving Our Community Since 1983
At Gerard Insurance Services, we believe in providing trusted, reliable, and personalized insurance solutions for individuals, families, and businesses. Established in 1983 by Fred Gerard, our agency was founded on the principle that every client deserves exceptional service, competitive rates, and an agent they can depend on.
Unlike many insurance agencies that are captive to one or two carriers, we are an independent insurance agency, meaning we work with multiple top-rated insurance companies to find the best coverage at the most competitive prices.
You are our priority—not an insurance company.
Why Choose Us?
Meet Our Team
Fred Gerard
Owner/Broker
CA License # 0644001
Cynthia Marshall
Office Manager
Health and Medicare Agent
CA License # 0K55549
Neil Hjelmervik
Commercial Lines Agent
CA License # 0D81753
Maiyha Hernandez
Front Desk/ Agent in Training
Rachelle Smith-Covey
Commercial and Personal Lines Agent
CA License # 2122131
Aleshia Smeltz
Commercial and Personal Lines Agent
CA License # 4039425
Our Commitment to the Community
At Gerard Insurance Services, we believe that supporting local businesses and fostering economic growth are essential to building a strong community. That’s why we are proud members of the San Andreas Merchants Association and the Calaveras County Chamber of Commerce.
Through these partnerships, we actively contribute to the success and prosperity of local businesses, residents, and entrepreneurs in Calaveras County.
Being actively engaged in these organizations allows Gerard Insurance Services to stay connected with the community, understand the unique needs of local businesses, and offer tailored insurance solutions that help protect their growth and success.
We believe that when local businesses thrive, the entire community benefits. We are more than just an insurance agency—we are a dedicated partner in making all of Calaveras County a stronger, more prosperous place to live and work.
Investing In Our Youth
Supporting Our Local Youth and Nonprofit Organizations
We take great pride in supporting local youth sports programs that provide children with the opportunity to stay active, learn discipline, and build lifelong friendships. Our community is home to several outstanding leagues that foster the growth and development of youth athletes, and we are honored to play a role in their success.
Calaveras National Little League
Providing kids with a love for baseball while teaching teamwork and sportsmanship.
Calaveras Softball League
Empowering young athletes through competitive and recreational softball opportunities.
Entrepreneur Scholarship for Calaveras High School Seniors
At Gerard Insurance Services, we are dedicated to helping the next generation of business leaders succeed.
Each year, we proudly award the Gerard Insurance Services Entrepreneur Scholarship to a graduating senior at Calaveras High School. This scholarship supports students who demonstrate leadership, ambition, and a passion for business and entrepreneurship.
By investing in the education of local students, we are fostering future business professionals who will contribute to the growth and prosperity of our community.
Congratulations to the 2025 winner—Jay Ashe!
Giving Back to Our Community
San Andreas Fire Department
Protecting lives and property through emergency response, fire prevention, and community education.
My Own School in San Andreas
Providing a nurturing and educational environment for young learners.
And Many More…
We proudly support various other organizations that help make Calaveras County better place for families, businesses, and individuals.
At Gerard Insurance Services, we don’t just work in the community— we are part of it. Our commitment goes beyond providing insurance solutions; we strive to make a positive impact by investing in the next generation and supporting organizations that enhance the quality of life in Calaveras County.
When you choose Gerard Insurance Services, you work with a company that values community, integrity, and service. Gerard Insurance Services is always looking for local, community non-profit organizations to support.
Contact us if your Calaveras County organization needs a donation or raffle prize.
Picture the Gerard Difference
Christmas “Shoeboxes”
Every Christmas, the staff at Gerard Insurance Services shops for and assembles the “Shoe Boxes” for the TK in San Andreas, CA.
Mow and Blow Flo and Debra
Yes, we offer Progressive Auto and Commercial Auto Insurance.
Surprise!
It’s Rachelle! (pronounced Rah-Shell).
Rachelle and Debra
Rachelle and Debra had fun spinning the wheel with attendees at Open House on Main.
Mixer Preperations
Cynthia making charcuterie cups with fellow San Andreas Merchants members for the mixer.
On the Right Track
Rachelle is teaching the high school kids about insurance at On The Right Track.
Scholarship Awarded 2024
Jay Ashe, the first recipient of the scholarship awarded by Gerard Insurance Services. 2024
The future is yours, Jay!
Winter Window 2025
Gerard Insurance Service building with windows decorated for the holidays.
Blue Mountain Transit
Congratulations to Blue Mountain Transit for celebrating 50 years in Business! Thank you for being long time and valued customers of
Gerard Insurance Services.
St. Patrick’s Day 2025
Happy St. Patrick’s Day! 2025
Bristol Hospice
Gerard Insurance Services supporting Bristol Hospice at their first annual Bristol Bingo in San Andreas.
First Day of Spring 2025
Gerard Insurance Services supporting Bristol Hospice at their first annual Bristol Bingo in San Andreas.
On The Right Track 2025
The Calaveras County Chamber of Commerce hosts OTRT for Calaveras and Bret Harte High Schools. Gerard Insurance Services takes great pleasure in being part of this event.
Look at the Past
While looking for throwback photos, I found this!
This photo was taken at our old location, 109 E. St. Charles Street, San Andreas, on April 29, 2011.
Neil, Fred, Teresa, Nicole
Another Throwback
Here’s another throwback photo taken 5 months later in our current location. September 15,2011
Neil, Fred, Teresa, Nicole and Joe
Summer, 2014
Summer, 2014
Neil, Angela, Fred, Teresa
Fred 2014
Fred loved to capitalize on other’s marketing…Lizards? Seriously?
Angela is the lizard…seriously. Summer, 2014
Our Old Sign
Do you remember our old sign?
Mug Shot Monday July 9, 2021 Debra, Rachelle, Teresa, Cynthia
Mug Shot Monday
July 9, 2021
Debra, Rachelle, Teresa, Cynthia
Took Teresa to Frank’s in Mokelumne Hill, CA, one last time August 1, 2022 Debra, Angela, Teresa, Rachelle, Cynthia
Took Teresa to Frank’s in Mokelumne Hill, CA, one last time before she moved on the new adventures.
August 1, 2022
Debra, Angela, Teresa, Rachelle, Cynthia
Foothill Funhouse, Valley Springs Grand Opening, May 1, 2025 _Ensuring fun for little ones
Foothill Funhouse, Valley Springs
Grand Opening, May 1, 2025
“Ensuring fun for little ones”
Neil is continuing his passion for helping the youth in our community enjoy the arts. May, 2025
Neil is continuing his passion for helping the youth in our community enjoy the arts. May, 2025
Congratulations, Nathan Cameron! He is the recipient of our 2025 Entrepreneur Scholarship. We look forward to watching your dreams come true
Congratulations, Nathan Cameron!
He is the recipient of our 2025 Entrepreneur Scholarship. We look forward to watching your dreams come true.
2025 Calaveras Chamber of Commerce Best Customer Service Nominees…you bet!
2025 Calaveras Chamber of Commerce Best Customer Service Nominees…you bet! The Annual Dinner was held on June 7th. The theme was Cowboy Casino. Great evening was had by all!
The Summit 2025 Useful information was provided by Treasurer Ma, CalOSBA.
The Summit 2025
Useful information was provided by Treasurer Ma, CalOSBA, and several other agencies that support small businesses throughout Calaveras County and California.
Aleshia and Rachelle at Coffee and Cars, Dignity Health’s First Annual Men’s Health Fair. Sep 18, 2025
Aleshia and Rachelle at Coffee and Cars, Dignity Health’s First Annual Men’s Health Fair.
Sep 18, 2025.
San Andreas Elementary School Pre-K Thank you again for the shoeboxes for the children. You are such a blessing to our kiddos_ Jennifer, Site Supervisor
San Andreas Elementary School Pre-K
“Thank you again for the shoeboxes for the children. You are such a blessing to our kiddos”
Jennifer, Site Supervisor
On the Right Track 2026 Gerard Insurance Services
On The Right Track 2026!
Gerard Insurance Services is proud to sponsor and volunteer at these events.
Maiyha and Cynthia had a raging good time at the Ragin Cajun Festival hosted by the San Andreas Rotary Club.
Maiyha and Cynthia had a “ragin” good time at the Ragin Cajun Festival hosted by the San Andreas Rotary Club.
Annual Mixer at the Calaveras County Fair Grounds hosted by the Friends of the Calaveras County Fair. It was a frog kissing good time!
Annual Mixer at the Calaveras County Fair Grounds hosted by the Friends of the Calaveras County Fair.
It was a frog kissing good time!