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Sometimes we are involved in accidents that injure other people or property and need more protection than our basic coverage provides. An Umbrella Policy can protect your hard earned assets when these things occur. The most dangerous thing that most of us do every day is drive around in our cars especially on the crowded streets of cities like Providence, East Providence or even Barrington or Bristol.

We can help you get the best coverage for your protection. Whether it is in Providence, Warwick or another city, for most of us, our home is our biggest asset and we need to protect it well.
Services
Burns & Cotter, Inc. is a full-service, independent Rhode Island Insurance agent and broker founded more than Sixty-Five years ago. We have the experience to care for your insurance needs. With his background in the insurance industry, our founder, Walter Cotter, set out to create a firm that featured an exceptionally high level of service with the widest possible choice of companies and coverages.
For more than 65 years, Burns & Cotter has been helping residents in Rhode Island select the best insurance policy to meet their needs. Homeowners, Auto, Boat, Motorcycle, Umbrella and Business coverages are available. Our various offerings can cover everything from your home to your business, and we will carefully consider every variable in your situation as we craft a policy especially for you. Our professional staff can help you select the insurance plan and coverage amount that is right for you.
I have been with Burns & Cotter, Inc. for my entire working career, helping our many business customers as well as our individual clients. Whenever possible I spend time with my family, including my father who founded Burns & Cotter, Inc. and has enjoyed the remarkable achievement of reaching his 100th birthday this spring.
The most dangerous thing that most of us do every day is drive around in our cars especially on the crowded streets of cities like Providence, East Providence or even Barrington or Bristol. We can help you get the best coverage for your protection. How necessary is car insurance? To begin with, it is the law.
Reviews (12)
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Ivonne Rosario
Feb 06, 2021
I never leave reviews, but Burns & Cotter deserve my review. I have been with this company only a few months and they have exceeded my expectations in every aspect: Prices, customer service, making sure I understand what coverage I'm purchasing, and so on. I have dealt with Dave Herbs and Deb Kenny. They both have taken the time to explain to me anything I didn't understand. Also, they get back to me in a timely manner and they are really nice people.

I was with another company in providence for a few years and what a headache it was! I had to be on top of them for everything, but I'm so glad I found these folks and I no longer have to stress it because they are really responsible. I would recommend them to anybody in need of insurance. You guys are awesome :
Ian Morrison
Feb 06, 2021
Vivien Vallante has been awesome, and even when working by herself in the office managed to respond quickly to my questions and concerns about my auto claim. Really pleased to be doing business with this broker, they know what they are doing and care about their clients. Highly recommend for your insurance needs, keep your business local, it is good for everyone.
Ryan M.
Dec 07, 2020
I recently reached out for a quote on a multi family home in providence. The customer service was very friendly! But that only goes so far when the quote was outrageously expensive *The quote came in 2-3 times higher than all of the other companies I had reached out to* That's why you always need to shop around when it comes to any big purchase in life!
Vanavil Properties
Jun 10, 2019
Read till the end.changing my review from 1 star to 3. First review ==================== Impressed by good google reviews reach out to them to request a quote for my property. Spoke to Vivian and Melodye. Melodye mentioned within 24 hrs they will send the quote. Waited 2 days - no response. Called them again on the 3rd day, only to get a promise they will send the quote immediately.

A week goes by, no quote and no response! May be folks in this insurance agency is overworked. When they can't follow up on a new quote, how bad they will be if there is a claim and we depend on them? Called up another insurance agent, he responded with a good quote in
Lanee Sutherland
May 28, 2019
My family has been with this company for two years. The agent Melodye Wilde has been extremely helpful, kind and diligent. She never gave up in looking for home insurance. Totally recommend this company.
Brandt Evans
Apr 15, 2019
These guys helped me get liability insurance for my work. They bent over backwards to help me get coverage in a niche field that most larger companies just don't understand. Moreover they've managed to find better rates over the years for me. They're great people and always very responsive to questions. 10/10 would insure again.
Shelley Annaldo
Jan 29, 2019
Melodye is great! Always so quick to respond with questions or problems we have. We are in constant need of insurance certificates for customers and she is always so great about sending them over to us! We appreciate all she does for my husband's business!
Sarah Brazell
Dec 17, 2018
I have been using Burns and Cotter for Auto insurance for over nine years and home owners insurance for over one year. Great coverage + excellent customer service = one happy customer. I'd give them more stars if I could.
Deanna Simmons
Dec 14, 2018
I have used this insurance agency for over 15 years for our home and autos and found the care and service to be outstanding. My agent is Melodye Wilde and I would highly recommend her services at Burns and Cotter to any one for their insurance needs.
George Lindell
Dec 02, 2018
I have been a customer for several years and have found the service at this Agency second to none. The staff is very knowledgeable, and prompt with all of my servicing needs.
Edgewood Eagles Football
Sep 15, 2018
Burns & Cotter handles our Association Football and Cheer Equipment Policies. We are confident in their abilities to cover us properly. I strongly recommend this Agency for your Commercial Insurance needs.
Elias Laham Trailblazer
Nov 20, 2015
I have worked with Burns & Cotter for over 10 years for various combinations of home, car and business insurance and couldn't be more pleased. Vivien has always taken great care of me, and it is a pleasure to deal with the entire office.