FREE Quotes & Personal Service Since 1990
(434) 293-3139 Contact Us Schedule a Meeting

Watching Over You Today, Protecting Tomorrow

Use of our services has been known to reduce stress, may cause you to smile and, perhaps, make you a happier person. PROCEED WITH CAUTION!

Explore the Plans We Offer

We've Got You Covered

We handle many types of personal and business insurance needs. Our agency is staffed by proven professionals with over 50 years of collective service. Our mission is to provide quality products and service to businesses and individual based on integrity and trust while we strive to maintain long term relationships with our clients.

Medicare Supplement, Part D and Medicare Advantage Plans

Learn More

When a person turns 65 or becomes eligible for Medicare due to a disability, figuring out exactly what you need often creates confusion. That is why we are here to clearly explain your options.

  • A Medicare Supplement (Medigap) insurance plan, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like co-payments, coinsurance, and deductibles.
  • Stand-Alone Medicare Prescription Drug Plans (Part D) help cover out of pocket prescription drug costs.
  • Medicare Advantage Plans also known as Medicare “Part C,” are a type of health plan offered by private companies that contract with Medicare to provide “Part A”, “Part B”, sometimes “Part D” and additional benefits.

Individual Health Insurance

See Plans Learn More

We offer Affordable Care Act Plans from only top rated carriers to protect individuals and their families from potential catastrophic loss due to health-related circumstances. Let us help you navigate the Federal Marketplace, check to see if you qualify for a subsidy or assist you in obtaining health insurance directly with the company.

  • Traditional Plans (Deductibles, co-insurance and co-pays).
  • Health Savings Account Plans (HAS) which are high-deductible plans at lower cost combined with a tax-favored savings account for more control over health care expenses.

We believe health insurance should not be hard to figure out so during the annual open enrollment (November 1 – December 15), we would be happy to help you understand your options. Open enrollment is the only time you can purchase individual health insurance or make a plan/carrier change unless you have another qualifying event during the year. See the plans we have to offer. You can apply online yourself or we are happy to process your application for you.

Short Term Health Insurance

Learn More

Outside of the individual market’s annual open enrollment period a short-term health insurance policy might be your best option, especially without a qualifying event. We offer affordable short term health plans with coverage options for 1 month and up to 364 days. These plans help bridge the gap during times of transition from one health plan to another and provide a lower cost alternative.

Group Insurance & Employee Benefit Packages

Learn More

Let us help you put together an employee benefit package to best meet your needs to attract and retain quality employees. Are you a sole proprietor or single member LLC? No problem, you can consider a group health insurance plan as well which often has better rates and benefits. We take time to consider your options, facilitate implementation, review and fine-tune annually and personally explain the benefits to your employees each and every year. We will act as an extension of your HR department by handling all the details and address service questions throughout your plan year. And the best part... This service is absolutely free to you.

Medi-Share

Learn More

Medi-Share is a way for Christians to share each other’s medical burdens. It is not insurance, but an affordable option for many.

Dental Insurance

Learn More

Smile a little brighter by letting us help you find a dental plan that meets your needs. Proper dental care can be an important component of our well being. Dental coverage of some kind can help you ensure the health of your teeth and gums.

Vision Insurance

Learn More

Your eyes are a vital part of your everyday health and wellbeing. Routine care and proper eyewear are essential but can be a rather costly endeavor. We offer top quality vision plans to help you protect your ability to experience all the beauty in the world around you.

Life Insurance

Learn More

We provide access to a wide range of top-ranked life insurance products and carriers. Whether you are in need of Term, Permanent (Whole Life), Universal, Single Premium, Final Expense or Key Man insurance, we will find the appropriate plan for you. Return of premium plans are also available and don't forget to ask us about our rates for high risk cases or non-smoker rates for non-cigarette smokers (i.e. cigar smokers, chewers and dippers).

Travel Insurance

Learn More

Traveling abroad and need to additional health insurance protection not provided by your primary plan? We offer quality travel insurance plans for that special vacation or more extended travel lasting up to 2 years.

Pet Insurance

Learn More

We don’t sell it but we certainly can recommend a good source for this valuable form of insurance to protect that special critter in your life.

Who WE Are?

Your Trusted Insurance Professionals

WE are Fred and Lisa Garber, owners of the Black Dog Insurance Group.

Does the thought of insurance make you feel like this? We understand that considering all the various insurance options available to you can be a little overwhelming. We pride ourselves on the personal service we offer each and every client and make ourselves available to assist you with all aspects of your insurance portfolio. In addition, one business philosophy we hold is the importance we place on educating our clients about the insurance products they buy. We take time to answer ALL of your questions. A client once told us that we explained insurance so clearly that both her 5 year son and 70 year old grandmother could understand.

Our Carriers

From Our Happy Clients

  • You are the sun and the moon and a glorious force for good. We cannot possibly thank you enough.  We will flood social media with positive reviews, and we will most certainly recommend you to our friends.
  • I just want to say another big thank you for your help in this process. You simplified it, gave great info and are a big help. I appreciate your knowledge, your "bedside manner" (I don't know the equivalent for insurance agents, ha ha), and your ability to communicate and explain all the concepts well, as well as your professionalism.
  • Fred & Lisa, thank you for your many hours of researching and preparing to meet with the employees.  We appreciate all that you do.
  • Lisa & Fred are exceptionally knowledgeable about the insurance models and the right match to meet your personal needs. They are very responsive and clearly communicate how to determine which insurance program would be a good choice to make for the coming year. A very unusual expertise and very grateful for having their help.
  • I have been with Black Dog Insurance Group for 3 years and I am impressed about their in-depth-knowledge in the health insurance area and their commitment to help me to get the very best health insurance every year that suits my needs and my budget. I highly recommend their services as they are extraordinary in their field!
  • The best company ever . . . a HUGE thank you for advising me years ago on Medicare.  In the past year, I underwent surgery, chemo and radiation for cancer - a shock and a brutally aggressive therapy.  That said , if you had not advised me so competently, I would have incurred an inordinate amount of medical expenses. I am indebted to you.
  • I want to sincerely thank you for all of your help over the years. We really do appreciate you and Fred for what we view more as honest service than as a business relationship.
Get in Touch

We are here to help you!