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About Our Agency

Garlow Insurance Agency, Inc provides comprehensive insurance options.

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We are your trusted independent insurance agency.

Your family, your business and your possessions are all important to you, but you may not know how to best protect them. We have the experience to navigate the unique risks you face, serving as your insurance advisor.

Peace of mind for today, security for tomorrow.

Philip Garlow, agency president, grew up in West Virginia as 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. They opened the first business location on 201 Washington St. E., in Charleston, WV, with just four agents.

Over 20 years later, Garlow Insurance Agency, Inc employs more than 65 insurance professionals across four offices around West Virginia–South Charleston, Hurricane, Point Pleasant, and Glasgow–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.

What Makes Us Different


years in business


convenient locations


insurance professionals


carrier partnerships


policies served last year


5-star google reviews
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As an independent insurance agency we have great relationships with many well-known, reputable insurance companies, giving you the power of choice.


Our insurance advisors have years of experience in the insurance industry and serve as your advocate from selecting coverage through filing a claim.


Our insurance advisors have a strong passion for insurance and protecting what you value most in business and in life. We treat our customers like family.

At Garlow Insurance Agency, Inc, our mission is very simple. We strive to provide a true, concierge client experience which is unique in the insurance industry. We give clients the power of choice from top-rated national and regional insurance carriers.

Insurance Quote Request

As an independent agency, we offer multiple options at competitive prices.

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