Everything Else


Umbrella Insurance is for the unexpected. It is a safety net to protect you and your family from unpredictable events that could threaten your assets, your retirement, and even your college fund. Cotter Insurance offers you additional protection above your regular insurance policies.  If you drive a motor vehicle or own real estate you could be liable to legal action in the case of an accident. Umbrella Insurance protects against that.

Go beyond your homeowners and auto insurance policies with umbrella coverage.

  • Up to five million in additional coverage

  • Personal injury coverage

  • Rental liability

  • Worldwide coverage

  • Legal defense coverage



Cotter Insurance can help you find the right life insurance coverage for you and your family. We have a range of choices to ensure that you are covered no matter what stage of life you are in.

  • Term Life Insurance is affordable life insurance that is perfect for young couples or families. It is called term life insurance because it protects you and your family for a specific time period.

  • Permanent Life Insurance or universal life insurance is a long lasting, flexible coverage that can be used throughout someone’s lifetime. There are different forms of permanent life insurance to ensure that you get the coverage that is right for you at any age. Permanent life insurance can provide guaranteed life premiums, death benefits, cash value insurance that builds with time, and flexible premium payments that change with your budget.

  • Final Expense Insurance or end of life insurance gives you the peace of mind to know that final expenses like medical bills, credit card debt and funeral and burial costs will be covered for your family. Final expense insurance policies start in as little as 24 hours without a medical exam.