Get to know your insurance team

At Gerard Insurance Services, we believe in providing trusted, reliable, and personalized insurance
solutions for individuals, families, and businesses. Established in 1983 by Fred Gerard, our agency was founded on the principle that every client deserves exceptional service, competitive rates, and an agent they can depend on.

Unlike many insurance agencies that are captive to one or two carriers, we are an independent insurance agency,
meaning we work with multiple top-rated insurance companies to find the
best coverage at the most competitive prices.

You are our priority- not an insurance company.
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Why choose Us?
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• Multiple Carriers, Better Rates – We shop multiple insurance providers to ensure you get the best policy for your needs.
• Personalized Service – We take the time to understand your situation and find the right coverage for you.
• Always Available – Our team is here during business hours to assist you when you need us.
• Fast & Responsive – We return calls promptly and work quickly to resolve any policy concerns.
• Local & Family Owned – As a part of the Calaveras County community, we are committed to serving our neighbors with integrity and care.
  
  

Whether you need home, auto, business, life, or health insurance,
​Gerard Insurance Services is here to help. Visit our office or give us a call today.

Our Team

Fred Gerard
Owner/Broker
CA License # 0644001

Fred, a long time resident of San Andreas, has dedicated his life to service and community. He served two tours in Vietnam with the U.S. Navy before working as a lab tech at Calaveras Cement for 14 years. In 1977, he became sales manager for his wife’s family business, Stewart’s Ford and Mercury. Fred transitioned to the insurance industry in 1983, helping families and businesses secure reliable coverage ever since. Married to Gayle (Gibbens) since 1966, he cherishes time with their three children, many grandchildren, and their Labradoodle, Gabby. An avid singer, Fred brings joy both professionally and personally.

Cynthia Marshall
Office Manager
Health and Medicare Agent
CA License # 0K55549

Cynthia is a dedicated health insurance agent who has been serving clients since earning my license in 2015. Specializing in Medicare, she takes pride in helping individuals navigate their healthcare options with confidence and ease. With a passion for personalized service, Cynthia is committed to finding the best coverage to fit each client’s needs. When not assisting clients, she enjoys tending to my vegetable and flower garden and cherishing time with family. Cynthia's combination of professional expertise and genuine care makes her a trusted resource for those seeking Medicare and health insurance solutions.

Neil Hjelmervik
Commercial Lines Agent
CA License # 0D81753

​Neil has dedicated their life to serving others through education, music, and community engagement. A former music teacher at Calaveras High School from 1968 to 2002, he later served as Director of Music Ministries at San Andreas Community Covenant Church from 2005 to 2015. Passionate about music education, they are also the President of Calaveras Youth Organization. From 2002 to present, the has helped individuals and businesses with their insurance needs at Gerard Insurance Services. Happily married to Ingrid Hjelmervik, they enjoy time with their four children, many grandchildren and friends. Hobbies include reading fiction, gaming, and gardening.

Debra Scott
Commercial and Personal Lines Agent
CA License # 0691825

Rachelle Smith-Covey
Commercial and Personal Lines Agent
​CA License # 2122131

Aleshia Smeltz
Commercial and Personal Lines Agent
​CA License # 4039425

​Debra Scott is our Commercial Lines Specialist and an experienced agent in Homeowners, Life, and Long-Term Care Insurance. Her insurance career began in high school, working for a Life Insurance agent in San Ramon, CA. She later earned a degree in Business Management and became a licensed agent with Nationwide at their corporate headquarters in Concord, CA. After marrying Mike in 1989, they moved to Tracy, CA, where she became a business owner in the skincare and nutrition industry. In 2018, Debra returned to insurance, bringing 27 years of experience. She enjoys hiking and traveling with family and friends.

Rachelle is a lifelong resident of Calaveras County with deep roots in 4-H, FFA, and rodeo. She enjoys spending time with her husband, Troy, and their foster kids, embracing the outdoors through horseback riding at local lakes, hiking, and exploring nature. Passionate about giving back, Rachelle volunteers with her local church’s community outreach programs and supports Four Horse Ranch Helping Hands nonprofit. With 15 years of customer service experience, she is dedicated to building strong connections within the community. Her commitment to helping others and love for the outdoors make her a valued member of our team.

I'm Aleshia, a licensed insurance agent since 2020. I hold licenses in Property and Casualty, as well as Life and Health insurance, and am committed to providing personalized insurance solutions that protect what matters most to you. With a focus on understanding my clients' unique needs, I strive to offer the best coverage options to ensure peace of mind. Outside of work, I enjoy spending time with my horses and tending to my garden, where I find relaxation and inspiration. I look forward to helping you find the right insurance for your future.

Staff through the years

2023
Rachelle Smith-Covey, Aleshia Smeltz, Cynthia Marshall, Debra Scott

2021
Teresa Dahl, Rachelle Smith-Covey, Debra Scott, Cynthia Marshall

2019
Debra Scott, Mickie Allen,
Neil Hjelmervik, Fred Gerard,
​Cynthia Marshall, Teresa Dahl

2015
Neil Hjelmervik, Angela Barry,
Teresa Dahl,  Cynthia Marshall,
​Fred Gerard