Business Details
50+ Years
experience
Your Trusted Montana Insurance Partner
Cogswell Insurance Agency has served Montana communities since 1937, founded on principles of honesty, trust, and personalized service. Our team of experienced professionals specializes in delivering tailored insurance solutions for individuals and businesses, representing top-rated carriers to ensure comprehensive coverage. With decades of local expertise, we prioritize understanding client needs, securing competitive rates, and maintaining a commitment to exceptional service that treats clients like family. Our agency combines long-standing industry knowledge with modern insurance practices to simplify complex decisions while upholding the highest standards of professionalism and client care. 
Services
Auto Insurance
Home Insurance
Business Insurance
Life Insurance
Health Insurance
Medicare Insurance
Flood Insurance
Commercial Auto
General Liability
Contractors Insurance
Details
- Year established: 1937
Highlights and features
- We treat clients like family with genuinely friendly customer service.
- Our team simplifies complex insurance choices with personalized guidance.
- We secure competitive rates through partnerships with top-rated insurers.
- Our agents have decades of combined experience serving Montana clients.
- We prioritize transparency and client satisfaction in every interaction.
What people say
Extremely knowledgeable
Phenomenal to work with
Quick to respond
Best agent ever
Attention to detail
Services
Auto Insurance
Auto insurance protects drivers financially against accidents, theft, or weather damage. Our policies cover collision repairs, liability claims, and medical expenses, ensuring Montana drivers stay compliant with state laws while safeguarding their vehicles. We offer customized options for personal and commercial auto needs.
Home Insurance
Home insurance covers structural damage, personal belongings, and liability risks for homeowners. Our policies protect against fire, wind, hail, and other common Montana hazards. We provide tailored coverage for primary residences, rental properties, and specialty homes with 24/7 claims support.
Business Insurance
Business insurance protects companies from property damage, liability claims, and operational disruptions. We offer BOP policies, general liability, cyber liability, and industry-specific coverage for Montana businesses. Our solutions help restaurants, contractors, and tech firms manage risks while ensuring regulatory compliance.
Life Insurance
Life insurance provides financial security for beneficiaries through death benefits. We offer term, whole, and universal life policies to cover income replacement, debts, and final expenses. Our agents help clients determine appropriate coverage amounts and select plans that align with long-term financial goals.
Health Insurance
Health insurance covers medical expenses including doctor visits, hospitalization, and prescription drugs. We provide individual, family, and group plans with access to Montana healthcare networks. Our policies include preventive care benefits and options for pre-existing conditions under current healthcare regulations.
People
Colin Lee
President/Commercial Producer
Colin Lee leads commercial insurance operations with expertise in risk management and policy customization for Montana businesses.
Michelle Hoffman
Personal & Commercial Lines Manager
Michelle Hoffman oversees insurance solutions for both personal and business clients, ensuring comprehensive coverage and client satisfaction.
Josey Garber
Personal Lines Advisor
Josey Garber specializes in personal insurance, known for exceptional client service and prompt responses to policyholder needs.
Sandy Kirk
Commercial Account Executive
Sandy Kirk provides commercial insurance solutions, offering tailored options and competitive rates for growing Montana businesses.
Beth Korst
Reception
Beth Korst ensures smooth client interactions and administrative support, maintaining the agency's reputation for professional service.
Questions
What types of insurance does Cogswell Insurance Agency offer?
We provide auto, home, life, health, business, Medicare, and specialty insurance policies for Montana residents and businesses.
How can I get a free insurance quote?
Request a quote online or call us at (406) 761-5000 to speak with an agent about personalized coverage options.
Do you offer business insurance for Montana contractors?
Yes, we provide tailored coverage including general liability, tools/equipment protection, and workers' compensation for contractors.
Can I modify my existing insurance policy?
Contact our office to review and adjust your coverage with guidance from our experienced insurance professionals.
What should I do to file an insurance claim?
Call us directly at (406) 761-5000 or contact your assigned agent to initiate the claims process promptly.
Do you offer 24/7 customer support?
While we maintain regular business hours, urgent matters can be addressed through our emergency contact procedures.