Your Insurance. Our Responsibility.
Independent insurance broker in Penzance, covering commercial and private clients across Cornwall. We find the right policy at the right price. No call centres. No algorithms. Just a proper conversation with someone who knows what they are talking about.
Commercial Insurance
Business Insurance That Fits What You Actually Do
A tradesman on a building site and a restaurant owner in the city centre need completely different cover. The same goes for a landlord with ten rental properties. So why do most insurance sites ask you to fill in the same generic form and hope for the best?
That’s not how this works. You tell us what you do and where you do it. We pass your details to an insurer who actually knows your industry. They sort the cover. You get on with the job.
Two minutes. No cost. No obligation.
Start here, and we’ll point you in the right direction.
Private Client Insurance
Cover for the Things That Matter Most to You
Holiday homes. Listed buildings. Fine art and jewellery collections. You didn’t build all of that to insure it with a policy designed for a two-bed terrace.
Standard cover misses things. It won’t account for a thatched roof in the Cotswolds or a rental portfolio spread across three counties. And if something goes wrong, those gaps cost real money.
We put you in front of specialist insurers who handle exactly this. You explain what you’ve got, they come back with cover that actually fits.
Takes two minutes. Tell us what you need to protect.
Why Cotter Insurance
Why Work With an Independent Broker
A comparison site gives you a price. We give you a policy that actually covers what you need it to cover. The difference matters when you are making a claim, not when you are buying the policy.
As an independent broker, we are not tied to any single insurer. We search the market on your behalf, compare policies on the detail that matters, and explain what you are actually paying for. No jargon. No hard sell.
Market access.
We work with a panel of leading UK insurers to find competitive cover tailored to you.
Claims support.
When something goes wrong, you call us directly. We handle the insurer on your behalf.
Local knowledge.
Based in Penzance, we understand Cornwall. Flood zones, coastal properties, seasonal businesses, holiday lets. We know the risks because they are on our doorstep.
Insurance for Cornwall Businesses and Residents
Insurance for Cornwall Businesses and Residents
Cornwall is not like the rest of the country. Tourism is the backbone of the local economy. Holiday lets and second homes outnumber permanent residents in some parishes. Coastal weather batters properties from October to March. Tradesmen are booked months in advance.
We specialise in the insurance needs that come with living and working here. Hospitality businesses that trade seasonally. Landlords with holiday lets. Homeowners on exposed clifftops. Tradesmen who need public liability that actually covers what they do on site.
That local knowledge is the difference between a policy that pays out and one that does not.
Get a Quote Today
Call us on 01736 753223 or fill in the form and we will get back to you the same day. Monday to Saturday, 9am to 6pm.