Founded in 1948, Hugh Cotton Insurance is a full-service, independent, family-owned and operated insurance agency. It serves international defense contractors, retail shops and boat dealers. The agency offers personal insurance products, such as homeowners, condominiums, personal liability umbrellas, automobiles, motor homes and boats. Hugh Cotton Insurance also operates an employee benefits department that provides assistance for businesses and families. The agency offers rate evaluation, claims monitoring, risk and loss analysis, safety programs and premium allocation summaries. It provides business insurance coverage for dealerships and marinas. In addition, the agency offers life, disability and estate planning coverage products. Hugh Cotton Insurance is located in Orlando, Fla.