Born and raised in Orlando, Florida, Tom grew up spending his summers either working at his family’s church, or fishing and diving in the Bahamas with his family. With his passion for the outdoors, his strong work ethic and his faith in the Lord, Tom has cultivated countless relationships with businesses and families in the Orlando area, dedicated to serving his community.
Tom joined his father’s insurance agency as a producer in 1983 and soon followed his father’s footsteps into leadership positions. He was elected President of the Independent Insurance Agents of Central Florida in 1993 and served as Chairman of the Board of the Florida Association of Insurance Agents in 2001. He then went on to serve six years as a board member of the Independent Insurance Agents and Brokers of America. Tom purchased Hugh Cotton Insurance from his father in 1999 and continues to serve as its President today.
Tom has been married to his wife, Kathy, for 34 years and they have three grown children. When he is not in the office or serving in his leadership role at St. Luke’s Lutheran, Tom pursues his outdoor passions from Alaska to Africa.