We strive to be responsive to change in order to meet the needs of our clients.

Hugh Cotton Sr, a retired insurance company executive, opened a small agency in downtown Orlando. When he died unexpectedly, his son Hugh Cotton Jr stepped in to take over. Hugh Cotton Insurance was incorporated soon after.

Hugh Cotton Insurance develops and launches a boat dealer and marina insurance program through Fireman’s Fund Insurance Company. It grows to over $20,000,000 in written premium and becomes the largest affinity group program in the country.

Thomas M. Cotton joins the agency as a commercial lines producer after graduating from Florida State University with a degree in Risk Management followed by training at the National Agents Training School in San Rafael California.

Now a Certified Insurance Councilor, Chartered Property and Casualty Underwriter as well as a Commercial Risk Manager, becomes President and CEO.

Hugh Cotton Insurance is the oldest and largest independent insurance agency in Central Florida that remains privately held. Owner and CEO Thomas M. Cotton has declined offers from publicly traded national brokers and numerous aggregators choosing to remain focused on client service rather than shareholder value.