About Garlow Insurance Agency, Inc.

Our President, Philip Garlow, grew up in West Virginia the youngest of four children. It was there he learned hard work and fair dealings from his father. Those are the values he depended on when he started Garlow Insurance Agency, Inc, from scratch in 1995. In the beginning, it was just Philip working out of his home.

Soon, Garlow Insurance Agency had a new location and new employees. We opened our first business location on 201 Washington St. E., in Charleston, WV with four Agents!

20+ years later, Garlow Insurance Agency, Inc. employs more than 65 insurance professionals across in 5 offices around West Virginia – all serving local individuals, families and business folk, just like you.

As an independent Agency, Garlow Insurance has access to dozens of insurance providers. However, we don’t represent the carriers, we represent you.

24 Years ago

If you stop by our main office in South Charleston, WV, you'll find something a little odd ...a 1928 Chevy truck parked right inside our building. It's here for two reasons, we've been selling auto insurance a long time (okay, not THAT long), but mainly because this vehicle rolled off the assembly line the very same year Philip Garlow's father was born.

Garlow Insurance Agency is one of the most experienced property and casualty insurance brokerage agencies in Charleston, serving some of the regions finest businesses. The Property and Casualty Group represents the full array of property and casualty insurance carriers. Their knowledge and experience have earned the trust of many small and large firms throughout the area.

Locally owned and operated, our agents don’t just sell you insurance. We take time to get to know your needs to ensure you receive the best insurance coverage possible. As an independent agency with access to multiple insurance carriers, you can rely on our agents to help you pick the right policies for your home, family, business and employees.

Have a question? Need a quote on insurance? Give us a call (304) 347-8972 or fill out our online form!


We offer competitive Home, Renters, Excess Liability, Flood, Auto, ARV, RV, Boat and Inland Marine Coverage (jewelry, guns, furs, coins, etc.).

Contact us for:
• Personal Home & Auto Packages
• Home Owner Insurance
• Renter’s Insurance
• Individual Auto Insurance
• Recreation Vehicle Coverage
• Disaster Insurance
• Fire Damage Insurance
• Flood Coverage
• Personal Business Insurance
• Motorcycle Insurance
• Mobile Home Coverage
• and More!

Contact the Team at Garlow Insurance Agency, Inc. today and choose a package that fits your budget.

We also offer “Right to Defend” Firearms Liability!

Don’t leave life to chance. Protect your loved ones and yourself and avoid the high costs of inadequate protection. Contact the team at Garlow Insurance Agency, Inc. so you can avoid the hefty charges when you’re unable to work and the bills pile up.

Our goal is to protect our clients if life becomes overwhelming. With the help of proper coverage, we ensure you’ll be back on your feel and ready to seize the day.

Protect yourself with exceptional medical coverage. Meet with a friendly Agent and discuss your options and available packages today.

Have you recently changed jobs? Come in and let’s talk. We can advise you on a retirement plan rollover and investment options.



Plan for tomorrow, today!

Running a business is strenuous, Insurance doesn’t need to be. Regardless of what you do, our experienced agents at Garlow Insurance Agency, Inc. will consult with you to determine what level of coverage you’re seeking and provide you with the best rates available for you and your business.

We offer competitive commercial auto, property, general liability, umbrella, and worker’s compensation policies. Whether your business is big or small, we do it all!

Available Coverage for your Business:

  • Business Bonds
  • Builder’s Risk Insurance
  • Auto Insurance – Business
  • Contractor Bonds
  • Director & Officer Liability
  • EPLI
  • Garage Keeper Liability
  • Public Entity Programs
  • Trucking Insurance
  • Workers’ Compensation
  • Church Package Policies
  •  Commercial
    • Liability
    • Umbrella Policy
    • General Package Policies
We offer Group Health, Dental, Vision, and AFLAC supplemental plans.



Our goal is to protect our clients if life becomes overwhelming. With the help of proper coverage, we ensure you’ll be back on your feet and ready to seize the day. 

Protect yourself with exceptional medical coverage. Meet with a friendly Agent and discuss your options and available packages today.
A few of our Carriers
ABA Insurance Services – Ace American Insurance Company – Ace Fire Underwriters Ins. – Ace Property & Casualty Company – Admiral Insurance Company – AEGIS Security Insurance Company – Aetna – AIG – All Risks Ltd – Allen Financial Group, Inc. – American Alternative Insurance – American Bankers Ins Group – American Collectors Ins. Co. – American Continental Insurance – American Empire Surplus Lines – American Mining Insurance Co – American Modern – American Reliable Insurance Co – American Select – Ameritas – AmFirst Insurance Company – Arch Insurance Company – Atlantic Speciality – Beazley Insurance Company Inc. – Benchmark Insurance Co – Benefit Assistance – Berkley Assigned Risk Services – Berkshire Hathaway – Bituminous – Bloss & Dillard, Inc. – Blue Cross Blue Shield – Blue Cross Blue Shield of MI – BrickStreet Insurance – Bunker Hill Insurance Company – Burns & Wilcox – Canopius US Insurance Inc – Carelink – Carolina Casualty Insurance Co – Cat Coverage – Catlin Specialty Insurance Co. – Celina – Central States Indemnity – Chubb Brokerge – Chubb Insurance Insurance Company – Cincinnati Life Insurance Company – CNA – Colonial Life – Colony Insurance Company – Commercial Sector Ins Brokers – Continental Life – Conway E & S Inc. – CorRisk Solutions – CPH – CRC Swett – Dairyland Insurance – Davis Vision – Dearborn National – Delta Dental – Diamond State Insurance Co – Encompass Insurance – Erie Family Life – Erie Insurance Group – Farmers & Mechanics – Farmers Mutual – Federal Insurance Company – Fidelity Life – Fidelity National Indemnity – First Colony Life – First Comp Insurance Company – Foremost Insurance Company – Gemini Insurance Company – General Accident Co. – General Star Indemnity – GMAC Insurance – Golden Rule – Great American Insurance Co – Great Midwest Insurance Co – Greenwich Insurance Company – Grundy Worldwide – Guarantee Insurance – Guardian Life Insurance Co – Guide One – Hagerty Insurance – Hanover Insurance Company – Hartford Flood – Hartford Insurance – Hehr Associates – Highmark WV – HIIG – Hudson Specialty Insurance Co – Hull & Company – Imperium Insurance Company – ING – Inland Mutual – John Hancock Life Insurance Co – K & K Insurance – Landmark American Insurance Co – Lexon Insurance Co. – Liberty Mutual – Lincoln Financial Group – Lititz – Lloyd’s of London – Market Finders Insurance Corp. – Massachusetts Mutual Life Ins – MERIDIAN SECURITY INS CO – MetLife – MetLife Auto & Home – Motorists Insurance Group – Mountain State Agency Alliance – Municipal Mutual – Mutual of Ohama – National Casualty Company – National Flood Services – National Interstate Ins. Co. – National Union Fire Insurance – Nationwide Mutual Insurance Co – Nautilus Insurance Company – Navigators Insurance Company – NCCI – North Carolina Insurance Under – Northfield Insurance Company – Occidental Fire & Casualty – Ohio Casualty – Old Republic Surety Co – Panhandle Farmers Mutual – Peak Prop & Cas Co – Peninsula – Penn-America Insurance Company – Philadelphia Indemnity Ins Co – Phoenix Insurance (PHX) – Principal – Progressive Insurance Company – Prudential – Ranchers and Farmers – Renaissance Insurance – Risk Placement Service Inc – RLI Insurance Company – Rockwood Casualty – Safe Insurance Company – Safeco Insurance – Sea Safe – Seattle Specialist Insurance/N – Seneca Specialty Insurance Co – Sports & Fitness Insurance Inc – Standard Insurance Company – State Auto – Sun Life Financial – Target Insurance – TFIA Flood Lloyds – The Employee Benefit – The Health Plan – Titan Insurance – Torus Specialty Insurance Co – Travelers – United Concordia – United Financial Casualty Co – United Healthcare – Unum – USG Insurance – Vacant Express – VSP – Western Surety Co – Westfield – Wright National Flood Ins Co. – Wv Brim – WV Fair Plan – WV National