Business Details
50+ Years
experience
Emergency
services
Your Trusted Montana Insurance Partner
Cogswell Insurance Agency has been a trusted name in Montana's insurance industry since 1937. Founded by E.B. Ted Cogswell Sr., our agency was built on principles of honesty, integrity, and personalized service. Over eight decades later, these values remain at the core of our operations as we continue to provide tailored insurance solutions to individuals and businesses across the state. Our team of experienced professionals combines deep local knowledge with access to top-tier insurance carriers to deliver comprehensive coverage options. We specialize in navigating Montana's unique risk landscape, from severe weather patterns to industry-specific exposures, ensuring our clients receive both competitive rates and robust protection.With offices in Great Falls, Kalispell, Billings, Deer Lodge, and Cascade, we maintain a community-focused approach while leveraging modern tools to streamline policy management and claims resolution. Our commitment to continuous improvement is reflected in our adoption of digital platforms for quote generation and client communication, while never compromising the personal touch that has defined our service since inception.
Services
Auto Insurance
Home Insurance
Business Insurance
Life Insurance
Health Insurance
Medicare Insurance
Flood Insurance
Motorcycle Insurance
Commercial Auto
General Liability
Details
- Year established: 1937
Highlights and features
- We offer 88 years of Montana insurance expertise with local market knowledge
- Our independent agency status provides access to multiple top-rated carriers
- We maintain a 24/7 claims support system for emergency situations
- Our team includes certified insurance counselors and commercial producers
- We specialize in customized coverage solutions for Montana's unique risks
What people say
Extremely knowledgeable
Quick to respond
Phenomenal to work with
Great attention to detail
Best agent ever worked with
Services
Auto Insurance
Our auto insurance policies protect Montana drivers against financial losses from accidents, weather damage, and liability claims. Coverage includes collision repair, comprehensive protection for theft/vandalism, and uninsured motorist provisions. We offer specialized options for motorcycles, ATVs, and commercial vehicles while maintaining competitive rates through our carrier network.
Home Insurance
Designed for Montana homeowners, our policies cover fire, wind, and hail damage with additional liability protection. We provide replacement cost coverage options and specialized endorsements for flood, earthquake, and valuable personal property. Our claims team offers 24/7 support for emergency repairs and disaster recovery.
Business Insurance
Tailored solutions for Montana businesses including BOP policies, general liability, and cyber liability protection. We offer industry-specific packages for contractors, restaurants, and technology firms with risk management resources. Our services include workers' compensation administration and commercial auto insurance for fleet operations.
Life Insurance
We provide term, whole, and universal life insurance policies to protect families and businesses. Coverage options include income replacement, debt protection, and estate planning solutions. Our agents help clients understand policy riders, cash value accumulation, and tax-advantaged benefits for long-term financial security.
Health Insurance
Offering individual, family, and group health plans with access to Montana's largest provider networks. Policies include preventive care, prescription drug coverage, and major medical protection. We assist with ACA-compliant plans, Medicare supplements, and employer-sponsored health savings account options.
People
Colin Lee
President/Commercial Producer
With over 25 years in commercial insurance, Colin specializes in risk management solutions for Montana businesses. He holds the Certified Insurance Counselor designation and focuses on construction, manufacturing, and professional services sectors.
Sandy Kirk
Commercial Account Executive
A CPCU-certified professional with 18 years serving Montana nonprofits and commercial clients. Sandy specializes in custom insurance packages for growing organizations and maintains a 98% client retention rate through proactive policy management.
Josey Garber
Personal Lines Advisor
Recognized as a top producer for personal insurance in Great Falls, Josey has helped over 1,200 Montana households secure affordable coverage since 2015. Her expertise includes flood insurance and bundling discounts for multi-policy holders.
Tim Lightbourne
Bond Manager
A CPA with specialized knowledge in surety bonds and commercial risk assessment. Tim has facilitated over $50 million in bonding capacity for Montana contractors and small businesses during his 15-year tenure.
Michelle Hoffman
Personal & Commercial Lines Manager
Leading our customer service team with 22 years of Montana insurance experience. Michelle oversees policy administration for both personal and business clients, ensuring seamless service across all our office locations.
Questions
What types of insurance does Cogswell Agency offer?
We provide auto, home, life, health, business, and Medicare insurance, along with specialized coverage for flood, commercial auto, and liability protection.
How can I get a competitive insurance quote?
Request a free quote online or call us at (406) 761-5000 to speak with an agent who will compare multiple carrier options for your specific needs.
Are there discounts available for Montana residents?
Yes, we offer bundling discounts, safe driver incentives, and multi-policy savings tailored to Montana's insurance requirements and driving conditions.
What should I do after an insurance claim?
Contact our claims team immediately at (406) 761-5000 for 24/7 assistance with damage assessment, repair coordination, and expedited claim resolution.
Do you offer business insurance for small companies?
We specialize in customized business insurance packages for Montana small businesses, including BOP policies, liability coverage, and industry-specific protections.
Can I manage my policy online?
Yes, our digital platform allows policyholders to make payments, update information, and access documents 24/7 through our secure client portal.
