Wright-Gardner Insurance

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Before your kids head out the door, make sure they know how to get to school safely, no matter how they are getting ther...
09/01/2026

Before your kids head out the door, make sure they know how to get to school safely, no matter how they are getting there. Here are a few tips to keep in mind:

🔵Walking to school? Stick to sidewalks, cross only at crosswalks, make eye contact with drivers before stepping into the street, and always walk in a group when possible.

🔵Riding a bike? A properly fitted helmet is non-negotiable. Remind students to ride on the right side of the road with traffic, come to a complete stop before crossing, and choose a route with minimal intersections and light traffic.

🔵Taking the bus? Students should stand at least 6 feet back from the curb when waiting for a bus, wait for the bus to come to a complete stop before boarding, and never walk behind or in front of a bus without making eye contact with the driver first.

🔵Getting dropped off? If you drive your child to school, obey school zone speed limits, follow your school's drop-off procedure, and never pass a bus that is loading or unloading children.

🔵Teen drivers? Review the basics of safe driving. This includes, but is not limited to, having all passengers wear seatbelts, putting devices away while driving, and driving the speed limit.

We hope you find these tips helpful as students transition back to school. As always, if you have any needs or questions, do not hesitate to reach out to our team. We are happy to help.

Ever wonder what your payout would actually look like after a covered loss? For many homeowners in Hagerstown and the su...
08/25/2026

Ever wonder what your payout would actually look like after a covered loss? For many homeowners in Hagerstown and the surrounding area, it comes down to one key detail in your policy: replacement cost value or actual cash value.

These two approaches calculate claims very differently, and understanding the difference can help you avoid an expensive surprise when it matters most.

Our team at Wright-Gardner Insurance is here to break it down in a way that’s easy to understand. Swipe through to learn how each coverage type works and what it could mean for your home, auto, or business.

Have questions about your current policy or considering a review? Give us a call at (301) 733-1234 — we’re here to help.

Cyber incidents continue to be one of the biggest disruptors for small and mid-sized businesses. From ransomware and phi...
08/18/2026

Cyber incidents continue to be one of the biggest disruptors for small and mid-sized businesses. From ransomware and phishing to vendor outages, a single event can impact operations, revenue, and your reputation. Losses across the U.S. now reach into the billions every year, with some incidents affecting even well‑protected organizations.

Our team at Wright-Gardner Insurance helps businesses throughout Hagerstown and the tri-state region understand how cyber liability insurance can reduce financial risk and support recovery when something goes wrong.

If you’re unsure how your current policy would respond to a cyber event, now is the perfect time to review it. We’re here to walk you through your options and make sure your business is protected.

With back-to-school season approaching and August marking National Traffic Awareness Month, our team at Wright-Gardner I...
08/13/2026

With back-to-school season approaching and August marking National Traffic Awareness Month, our team at Wright-Gardner Insurance wanted to share a few friendly reminders to help everyone stay safe on the road.

This time of year brings big shifts in daily traffic patterns across Hagerstown and the surrounding communities. More buses, more pedestrians, and more young students mean it’s worth taking a little extra time and staying alert during your commute.

Here are a few simple safety tips we encourage motorists and parents to keep in mind:
• Slow down in school zones
• Watch for unexpected pedestrian crossings
• Give buses and bikes plenty of space
• Plan extra time for morning and afternoon travel

A few small habits can make a meaningful difference for the most vulnerable people on our roads. If you think someone in your network could benefit from these reminders, feel free to share.

And as always, if you have questions about auto insurance or need help reviewing your coverage, our team at Wright-Gardner Hagerstown is here to help.

Professional liability insurance is essential for any business that gives advice or provides services. This coverage, of...
08/11/2026

Professional liability insurance is essential for any business that gives advice or provides services. This coverage, often called errors and omissions insurance, helps protect your business when mistakes, misunderstandings, or oversights happen.

We put together a quick overview to explain what professional liability is, who needs it, and how it helps safeguard your operations.

If you’re unsure whether your current policy is giving you the right protection, our team at Wright-Gardner Insurance is here to help. Reach out anytime with questions or for a personalized review.

Back-to-school season is right around the corner, and it’s a great time to make sure your student has the insurance prot...
08/07/2026

Back-to-school season is right around the corner, and it’s a great time to make sure your student has the insurance protection they need. At Wright-Gardner Insurance, we know how quickly things can change during college, which is why a quick coverage check can make a big difference. Here are a few smart areas to review before move-in day: • Renters insurance for dorms or off-campus housing • Auto insurance updates if your student is taking a car • Personal property coverage for laptops and electronics Taking a few minutes now can give you and your student extra peace of mind for the year ahead. Our team is here to walk through your policies and answer questions — just give us a call at (301) 733-1234. Have other parents in your network preparing for the school year? Share this post to help them get ahead too.

Running a business in Western Maryland means juggling a lot of responsibilities, and protecting your company from the un...
08/04/2026

Running a business in Western Maryland means juggling a lot of responsibilities, and protecting your company from the unexpected is a big one. That’s where commercial umbrella insurance can make a real difference.

Our team at Wright-Gardner Insurance helps local businesses understand how this extra layer of coverage works and when it’s worth considering. It can be an important tool for added protection beyond your primary liability policies.

Want to find out if a commercial umbrella policy is a good fit for your business? Give us a call at (301) 733-1234 — we’re always here to help.

Before your summer gatherings kick off, it’s a good time to think about something important: If an accident happens at y...
07/28/2026

Before your summer gatherings kick off, it’s a good time to think about something important: If an accident happens at your home, is your homeowners insurance ready to step in?

Our team at Wright-Gardner Insurance put together a few key considerations to keep in mind before hosting this season.

A quick coverage check can go a long way toward protecting you and your guests. If you’re planning events this summer, we’re here to help you review your policy and make sure there aren’t any gaps.

Give us a call at (301) 733-1234 if you’d like a free insurance review.

Ever loan a car to a friend or borrow someone else's vehicle? It’s a common situation, and many drivers aren’t sure whos...
07/21/2026

Ever loan a car to a friend or borrow someone else's vehicle? It’s a common situation, and many drivers aren’t sure whose insurance would apply if an accident happens.

In most cases, auto insurance follows the vehicle. That means the car owner’s policy is usually primary. But there are exceptions, and certain situations may shift coverage to the driver instead.

At Wright-Gardner Insurance, our team is here to help you understand how your auto insurance works so you’re never left guessing. If you want to review your policy, explore additional coverage, or get a local perspective from an independent insurance agency in Hagerstown MD, we’re always happy to walk through it with you.

Have questions about your car insurance? Give us a call anytime.

Proud to share this recent feedback from one of our valued clients.
07/16/2026

Proud to share this recent feedback from one of our valued clients.

Address

100 W Antietam Street
Hagerstown, MD
21740

Opening Hours

Monday 8am - 4:30pm
Tuesday 8am - 4:30pm
Wednesday 8am - 4:30pm
Thursday 8am - 4:30pm
Friday 8am - 4:30pm

Telephone

(301) 733-1234

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