 Discussing leadership, entrepreneurship, philanthropy, faith, and family. Saturdays at 10 a.m. on WIQO. Business insurance. Expensive? Confusing? I'm Judd Gardner with Gardner Insurance Solutions in Lynchburg. We've been helping business owners in Central Virginia with their insurance needs for more than 30 years. We understand the marketplace is challenging right now. Prices are up and availability is a problem for some.