About Us 

Our Primary Purpose

Garner Insurance was founded in December 2010 by Terry Garner and is operated by the Terry R. Garner Agency, LLC. Owner Terry Garner is a native of Lancaster, Ohio and began his insurance career in 1982. Terry spent many years in management with Commonwealth Insurance and Western Southern before returning to his passion of working directly with customers specifically, focusing on their life insurance and annuity needs.

Garner Insurance is an independent agency which offers a wide variety of insurance companies and all lines of property and casualty insurance, small commercial, life insurance and annuities.

Our reputation is extremely important to us. You likely will not see our name on many billboards, but instead, we rely on customer referrals. Contact us to experience the difference in customer service!

We invite you to check out all the material on our website. If something prompts a question, please send us a quick email or call our office. We look forward to speaking with you.

Knowledge is power.

It’s also the foundation for intelligent, well-considered decisions. When you have questions about which insurance policies are right for you, sound decisions are vital in helping you pursue your goals and protect your future. For many, understanding every aspect of the insurance space can be daunting.


As insurance professionals, we are committed to helping people just like you find solutions for all your insurance needs. Once we understand your policy needs and goals, we'll work to develop a program tailored to you.

Today’s environment can bring concerns, and even, dangers. That's why we work closely with our clients, so we can anticipate these challenges and address them before they happen.

We invite you to check out all the material on our website. If something prompts a question, please send us an email or call our office.

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