Insurance for Forest and Bedford From Our Lynchburg Office

If you live in Forest or anywhere in Bedford County, our Lynchburg office is close by. It's an easy trip in on Route 221 or Route 460.

Our Lynchburg office was formerly the Cary Cofer Agency. It joined Michael Bailey Agency in July 2026, so you'll find the same address and the same phone number, (434) 439-4814.

A lot of what we do can be handled by phone or email, so you don't have to make the drive. If you'd rather sit down face to face, you're welcome to stop by during office hours.

What Forest and Bedford folks ask us about

Forest keeps growing. New subdivisions, young families, people who work in Lynchburg and drive home every evening. Out toward Bedford and the Peaks of Otter, it gets more rural fast.

A few things worth checking:

• New construction: Is your dwelling coverage based on what it would cost to rebuild today, not what you paid?

• Teen drivers: Adding a new driver is a good time to look at your liability limits and how your policies fit together.

• Lake and weekend toys: Boats, RVs and motorcycles each need the right coverage. Don't assume your auto policy handles them.

• Small businesses: Contractors, shops and home-based businesses all have different needs. We'll help you sort out liability, property and commercial auto.

Here's the thing. The goal usually isn't more insurance. It's coverage that matches the life you have now. We'll walk through it with you, no pressure. Coverage varies by policy, so we'll show you what yours includes.

Farmers, plus other options

We're a Farmers Insurance agency, and we also work with other carriers as an independent broker. That gives us more than one way to find a good fit. See who we work with on our carriers page.

What we can help with

Home, condo, renters and landlord insurance. Auto, motorcycle, RV and boat. Life insurance. Business and commercial coverage. Health insurance.

Come see us in Lynchburg

Our Lynchburg office is open Monday through Friday, 8:30 to 5:00. Call (434) 439-4814, or request a quote online and we'll get back to you within one business day.

At the end of the day, it's about protecting what matters most. We're glad to help.