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Committed service. Trusted solutions.

We aim to find the right insurance coverage for our local area.

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Gary Thacker Insurance

As the name suggests, we are family-owned and local, proudly serving North Georgia, Chattanooga, TN, and the nearby region.

We are knowledgeable advisors.
We are your friendly neighbors.
We care about your well-being.


Learn more about personal insurance.


Learn more about personal insurance.

Personal Insurance

Life happens fast, and the truth is there’s nothing as valuable as peace of mind. Our goal is to protect you from the unexpected through top quality insurance coverage.

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Business Insurance

In today’s ever-changing environment, risk is constant. We’ll thoroughly assess your business and situation to develop creative solutions that fit your needs.

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Learn more about business insurance.


Learn more about business insurance.

Business Insurance

In today’s ever-changing environment, risk is constant. We’ll thoroughly assess your business and situation to develop creative, solutions that fit your needs.

Learn More
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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Property Damage Liability
Risk Factor

You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?


Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.

Bodily Injury Liability
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into a pedestrian, bicycle, or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.

Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?


An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Watercraft Liability
Risk Factor

Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.


Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.

Umbrella Insurance 101

An extra layer of protection when you need it.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.

About Gary Thacker Insurance

Gary Thacker Insurance is committed to working with its local community to protect its families, businesses, and their most treasured assets. By offering a thorough, personalized insurance solution, we can help minimize risks and preserve your lifestyle. We go the extra mile to ensure your peace of mind because protecting what matters most to you is what matters most to us.

Allow us the opportunity to design a policy around your individual needs. We’ll do our best to find you not only the most appropriate coverage but at a price you can be comfortable with. By being independent, we have the local benefit of understanding the needs of our area—our advisors work here, live here, and play here.

About Our Agency
Community Focused

We give back to our community and get involved with the local organizations of the greater Chattanooga, TN area.

Client Committed

We happily go the extra mile to exceed our clients’ expectations and do what we can to protect families and businesses in our area.

Statewide Service

Licensed in GA, TN, AL, NC, AZ, IL, KY, MD, MN, MT, VA, and WI, offering our clients personalized service with a local touch.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

We represent multiple insurance companies.

We are licensed insurance advisors.

We are by your side every step of the way.

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

Find Out HowPledge of Performance

Our Clients Trust In Us

Check out our reviews and see why you should switch to Gary Thacker Insurance.

I have used Gary Thacker Insurance for personal insurance and clients through my business. Fantastic customer service, prompt responses to inquiries, honest, and reliable. The staff are very friendly. I would recommend Gary Thacker Insurance to anyone for all of their insurance needs.

Ann Fiddler

I highly recommend Gary Thacker Insurance. They have great customer service. Chase is always very helpful and quick to respond!


They are honest, caring, steer-you-in-the-right-direction kind of people. They get to know who you are and greet you by your first name. I would recommend Gary Thacker insurance company to anyone and everyone.

Kristy Beetley

I am extremely pleased with the competitive pricing while not sacrificing the quality of the policies. Gary and his staff have been extremely responsive and helpful when needed. I highly recommend Gary Thacker Insurance as they deserve recommendations!

Brian Robinson

I love our experience here. Always very kind and welcoming. They are always ready to help and get things done quickly! I highly recommend!

Josiah King

Always there to help with any questions & concerns that I may have and feel appreciated for my business.

Jack Chapman

This agency has been a godsend and I count myself blessed to have found such a timely, responsible and considerate group of folks.

A. Campbell
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Fort Oglethorpe, GA

2382 Battlefield Parkway
Fort Oglethorpe, GA 30742

We write insurance solutions throughout North Georgia and the Chattanooga, TN area, including Fort Oglethorpe, GA, Ringgold, GA, Lafayette, GA, and Rossville, GA. We also extend service to clients throughout GA, TN, AL, NC, MD, IL, WI, MN, and VA.

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