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Andy Cortez Insurance Agency, Inc.

As a member of the Central Coast my entire adult life, I’m proud to serve the Santa Maria Valley and surrounding areas. At the Andy Cortez Insurance Agency, we pride ourselves on providing world class customer service with a smile. We provide expert advice and help customers like you identify the insurance coverage that best fits your needs. This process is straightforward and personalized to help make you smarter about insurance. I have the knowledge and experience to help you better understand your coverage options–whether that’s auto, home, renters, business insurance, life insurance and more.


Ste 105
2646 Santa Maria Way
Santa Maria, California 93455

Office Hours

  • Monday 8:30am - 5pm
  • Tuesday 8:30am - 5pm
  • Wednesday 8:30am - 5pm
  • Thursday 8:30am - 5pm
  • Friday 8:30am - 5pm
  • Saturday By appointment
  • Sunday Closed

Why our clients choose us

“Just got a new home & auto policy bundle with Andy and he KILLED IT! I was dropped unexpectedly by another local agent but Andy went above and beyond to create a custom policy for my needs! I so appreciate his time and dedication towards the satisfaction of his clients! This man has an outstanding work ethic! 10/10 recommend!”
“We’ve received excellent service from Andy in providing us with our cars and renters insurance. He has been very professional and friendly. We’re very happy with the attention and help we received from him, especially with some very last minute requests we had regarding coverage changes that we needed due to selling and acquiring new vehicles. He was super helpful and made that process very smooth.”
“Testimonial #3About 6 months ago we decided to switch our vehicles & business policies with Andy Cortez. Best decision made! Andy and his team have provided us with phenomenal service since day they are fast & efficient towards our needs.”

We offer the following coverages for small businesses

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

Professional Liability Policy (PL)

Professional Liability (PL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

General Liability Insurance
Business Owners Policy
Professional Liability Insurance

Why we trust Coterie Insurance

Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
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Through our partnership with Coterie Insurance, invest your time where it matters most — running your business — and enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

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