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

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

  • andi jerger Avatar
    andi jerger
    1/08/2021 - Google

    I contacted Megan about my property and auto insurance I had with another company. She was friendly, professional and explained everything to me, she saved me money. Needless to say I have changed to Lott & Gaylord for all my insurance needs.

  • Steve Henry Avatar
    Steve Henry
    10/04/2019 - Google

    Dawn did a great job helping us on a fire claim we had on our commercial building. Quick response and a nice payment for damages. Thanks to Lott and Gaylor team.

    Steve Henry

  • Deb S Avatar
    Deb S
    3/11/2020 - Google

    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

  • Jerome Billett Avatar
    Jerome Billett
    12/31/2020 - Google

    I cold emailed this firm recently (after a local Google search) desperate to find coverage for a yacht. My previous company pulled out of the market leaving me high and dry. Megan Duchene answered my email and worked very diligently over about a month to find an option for me in a very tough market. Her responsiveness and communication was beyond expectations right to the end. I wish I could indicate 6 stars.
    It turned out that I did get a different offer from another underwriter that worked out a little better. I really wanted to reward Megan for her diligence and professionalism but it was not to be. Call her if you need insurance!

  • Innovative ECMO Avatar
    Innovative ECMO
    10/02/2019 - Google

    David and his staff are ALWAYS quick to respond and very courteous. They have been great to work with over the years. Highly recommend.

  • Heather Caldwell Avatar
    Heather Caldwell
    1/29/2020 - Google

    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!

    1/22/2021 - Google

    Very professional and friendly. Answered all my questions quickly and completely. Great rates!

  • Rodlyn Woodward Avatar
    Rodlyn Woodward
    1/08/2020 - Google

    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

  • Kim Glick Avatar
    Kim Glick
    8/04/2020 - Google

    David Maxwell and his staff have always been very helpful to our staff and our clients. They are very knowledgeable and efficient with all the renewals and claims. We really enjoy working with Lott & Gaylor Insurance!!

    7/06/2020 - Google

    Awesome people great prices

  • Paul Milde Avatar
    Paul Milde
    6/20/2019 - Google

    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.

  • Teri Warren Avatar
    Teri Warren
    11/03/2020 - Google

    Friendly and attentive service!

  • Adam Clark Avatar
    Adam Clark
    10/02/2019 - Google

    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!!

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.

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.