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Joe Gast, CPCU (Certified Property and Casualty Underwriter) is an expert in all types of insurance, specializing in medium to large Commercial and Worker's Compensation accounts. Joe was born and raised in Seaford, DE and earned his B.S. from the University of Delaware. If you need advice for Delaware or Maryland insurance, call Joe.

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Teri Gibbons is an account manager at our Seaford office. She joined the Farnell & Gast team in 2019 but has been working in the personal lines insurance industry for over 25 years. Teri's specialty is building strong relationships with her clients and assisting them in any, and all, of their home and auto needs.

Helping others is of great importance to Teri. In the past, she has volunteered with Comcast Cares and the American Cancer Society and is an extremely active member of the Jeep community. As a member for the Eastern Shore Jeep Association, Inc., she participates in various events throughout the year in Maryland in Delaware to give back and support local communities. She is also passionate about helping animal rescue, our first responders, and our troops.

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Auto: At Farnell & Gast, LLC., we have various companies to write autos, boats, recreational vehicles, motorcycles, and antique vehicles.
Home: At Farnell & Gast, LLC., we have several companies to place your homeowners insurance, and we also service what we sell. We can also place your home and auto insurance with the same company and save you money, as well as write condo, renters, mobile home, and dwelling fire insurance.
Specialty Risk: Farnell & Gast, LLC., specializes in finding the coverages you need. Had trouble finding an agent who knows the market place and knows the coverages specific to your business? Look no further!
Professional Liability Coverages
  • Architects
  • Doctors
  • Engineers
  • Hospitals
  • Lawyers
  • Pollution Liability
  • Restaurants and Taverns
  • Marine Retailers
  • Yacht Owners
  • Manufacturing Risk
  • Oil Distributors
  • Waste Haulers
  • Highway Paving Contractor
  • Steel Erection
  • Country Clubs
  • Golf Courses
  • Bowling Centers
and many more...
Let us design a program with the protection you need, the services you expect, and pricing you can live with!
Contractors: At Farnell & Gast, LLC., we know that your contracting business has unique insurance needs and that it is not an easy job finding one insurance program that provides the protection you want. We can design an insurance program for your contracting needs, regardless of how simple or complex they may be!
  • HVAC
  • Carpentry
  • Carpet Installation
  • Paving
  • Electrical Work
  • Drywall
  • Janitorial
  • Landscape Gardeners
  • Land Improvement
  • Masonry
  • Painting
  • Plumbing
  • Sheet Metal
  • Siding
  • Tile or Stone Installation
  • Well Drillers
  • Arborist
  • Large Roofing Contractors
and many more...
All your insurance needs including General Liability, Commercial Auto and Workers Compensation! Some services available include Dividend Programs, Loss Control and Risk Management Services, Bonding, and Claims Handling.
Umbrella: This policy provides protection against catastrophic liability claims. The policy acts as an excess coverage over your primary liability policies. Its limits apply in addition to that provided by the underlying coverage.
This form provides a higher limit of coverage that is excess over scheduled underlying policies.
It is used in one of three ways:
  1. To provide additional limits of protection over the coverage listed in your underlying schedule,
  2. To act as primary coverage if your underlying limits are exhausted, and
  3. To provide coverage for some risks, subject to a retention, when your primary coverage does not.
Business Owner Coverage: From retail stores, office buildings, condos, and optical goods stores to veterinary hospitals, we have the businessowners policy with the best coverages in the industry. Farnell & Gast, LLC., represents many insurance companies that offer a wide variety of coverages and services. We offer various payment plans and a multitude of other services designed to make your insurance plan the best in the business!
Farnell & Gast, LLC.
9308 N Point Commons Blvd.
Seaford, DE 19973
(Fax) 302.337.3571