COVID-19 Bulletin

At this time, we have made the difficult decision to restrict visitors at our physical location. Although we truly enjoy meeting with our clients face to face, we are acting with our clients’ best interests in mind. Our priority is to take all responsible action to help stop the virus spreading further and maintain the health of our clients and associates.

To that end, we would prefer that all visitors refrain from visiting our office for the time being, and we will be recommending that our associates refrain from attending any outside meetings as well. While we are disappointed we will not be able to see our clients in person for the moment, we remain committed to serving them and answering any questions they may have about their insurance.

In addition, many of our dedicated associates are now working from home per CDC guidelines. As such, all insurance processing will occur electronically for the foreseeable future. Our service teams are more than happy to speak with over the phone or via email about insurance needs.

Homeowners, Automobile and Business Insurance

37 years of serving the insurance needs of Fort Myers, Cape Coral, Naples and all of Southwest Florida

Our clients demand value and accountability, and we love that.

We understand that home insurance, auto insurance, and business insurance can often be confusing. We also understand that too many insurance agencies focus on themselves; what they tell you makes them different is really what makes them all the same. Partnering with a Fort Myers business, auto or home insurance firm is an important decision that can often make the difference between confusion and chaos or peace of mind.

Contact us today and let us show you how the power of personal service and a passion for risk management can help you protect the things you care about most. Our insurance service team strives to raise the bar by providing you with an experience unmatched by other insurance providers.

Personal Insurance

If you have tangible assets, you need the protection of a homeowners policy. These policies cover you in a home or an apartment, whether you are an owner or a renter.

A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

Homeowners & Condo Insurance

Protection for your home or condo and personal possessions, along with personal liability and umbrella coverage.
Get a Home or Condo Quote
Get a flood quote
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Automobile Insurance

Protection for your automobiles, boats, motorcycles, Recreational Vehicles and other toys including umbrella coverage.
Get an auto quote
Get a Watercraft Quote
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Auto Insurance

This coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and some coverage is required by most states.

The second part covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.

Commercial Insurance

Purchasing business insurance is one of the best ways to prepare for the unexpected. Improper or excluded insurance coverage’s may leave your business without proper protection.

Whether it’s embezzlement or a natural disaster, a lawsuit or anything else that causes financial harm – it could spell the end of an otherwise thriving operation. We’re here to help you navigate through the uncertainty of commercial insurance options that can often be confusing.

Business Insurance

Peace of mind for your business through general liability, property, business automobile, workers compensation, health insurance and more.
Get a Business Quote
Workers Comp Application
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  • We highly recommend L&G Insurance. We’ve been working with David and his Team for 2 years, and they always provide excellent service and a great product at a fair price. We feel they are on our side!!

    Adam Clark Avatar
    Adam Clark
    10/02/2019
  • We got a referral from a neighbor for a new condo insurance agent. I called her and told her we wanted to change our insurance agency because of poor follow through and possibly change insurance carrier.
    I have done extensive work investigating insurance companies and used Demotech for financial statements and ratings. I got a quote from a great company with better coverage and $175.00 less.I then asked her to manage our boat insurance and she is looking into our car coverage. This all was accomplished in 2 days. I have a company from Ft Myers and another fromCape Coral that promised to get back to me almost 2 wks ago and still no call back.If the company isn’t there when you are trying to pay, they certainly Won’t be there when you need them. I have already given her business card/ info to several friends Thank you Megan Duchene for attention to detail &professionalism.
    Debbie and Jerry

    Deb S Avatar
    Deb S
    3/11/2020
  • Monica Frier is a true gem (personable and efficient) I have been with Lott & Gaylor since 2013. Each year I call Monica to review current coverage and possibly even change providers in order to get best coverage for the dollar. Every year she responds quickly and takes care of me (sometimes down to the wire) would recommend to anyone.

    Tara Agnew Avatar
    Tara Agnew
    7/03/2019
  • I have known Monica Frier of Lott and Gaylor for almost a decade. Whenever I call, I don't even have to tell her my name, she recognizes me immediately. She has helped me with my insurance needs for both home and auto. She is a delight to work with and an extremely professional and compassionate human being. Next time you need an insurance quote or a question answered, I strongly recommend you give her a call; she is amazing!

    Kat ols Avatar
    Kat ols
    7/11/2019
  • Lott & Gaylor has been my insurance agent for nine years and served my grandparents for a decade before me. They have insured multiple properties for me and they're professional and extremely easy to work with. They always help me find cost savings and remind me when I need to renew or provide information. I could not ask for a better insurance agency. My grandparents picked a winner.

    Paul Milde Avatar
    Paul Milde
    6/20/2019
  • Megan Duchene went out of her way to help me get a discount for my insurance and kindly addressed my individual needs by finding a policy that worked for me. Appreciative!

    Heather Caldwell Avatar
    Heather Caldwell
    1/29/2020
  • Excellent service from Monica. I highly recommend this agency. They have great service and great products. Independent agents are the best!!

    Dave Sheets Avatar
    Dave Sheets
    9/12/2019
  • Monica did a great job and worked hard to find me affordable insurance after my premium was raised by my current provider. Thanks Monica! Kris Cella

    Cella Molnar & Associates Avatar
    Cella Molnar & Associates
    11/14/2019
  • Monica Frier went over and above to help us secure Homeowners insurance on a new home purchase. She re-quoted and explained everything so that we had a complete knowledge of what we were getting and we should have certain coverage. Highly recommended.

    shanelle winn Avatar
    shanelle winn
    6/14/2019
  • I have had my homeowners insurance with this agency for many years. Monica is always invaluable to assist in answering questions, making sure I understand my policy & if my payment is late, she straightens that out, too. Everyone in the office is very professional as well as helpful.

    swflnse Avatar
    swflnse
    8/23/2019
  • When I called about Hurricane Irma in 2017 Monica was very friendly and informative. I called recently regarding paying off my mortgage and again she was very nice and gave me the information I needed for my series of questions. I will keep having them as my insurance company. Not too many companies care about your needs just to get you off the phone, but she also makes sure I am completely satisfied with her answers and my understanding of going forward paying my premium on my own and not through the mortgage company. Thank You!

    Jill Marcolini Avatar
    Jill Marcolini
    5/01/2019
  • Monica was very helpful and resourceful in resolving my issues with home insurance policy. She really put me at ease with fast results. THANK YOU MONICA.

    Lu Soria Avatar
    Lu Soria
    7/02/2019
  • I am not much of a writer but here goes: I have written few to no reviews in my life however Megan Duchene deserves one, She has been very cordial and has sent me a quote that is less than half of my existing policy. Kudos, Roddy Woodward

    Rodlyn Woodward Avatar
    Rodlyn Woodward
    1/08/2020
  • I been doing business with Lott & Gaylor Insurance for years. Monica Frier does an Exceptional job for me. She is the BEST! I highly recommend Lott & Gaylor for your Insurance needs.

    ATCINBONITA . Avatar
    ATCINBONITA .
    10/19/2019