Our Licensed Agents
Coastal Insurance Brokers is built on real, current South Carolina insurance licenses — not a single point of contact, but a full team with a combined 99 years of insurance experience.
John Cosgrove — Owner & Principal Insurance Advisor
Licensed South Carolina Property & Casualty agent since 2009 (License #446274). Also holds a South Carolina surplus lines broker license, providing access to specialty and excess-and-surplus markets for coastal risks that standard carriers may decline. In the insurance industry since 2006; founded Coastal Insurance Brokers in May 2014.
Kenneth S. Every-Andrews
Licensed South Carolina Insurance Producer since 1993. Lines of authority: Accident & Health or Sickness, Casualty, Life, Property.
Michael Jacob Casa
Licensed South Carolina Insurance Producer since 2010 (Lines of authority: Property, Casualty). Also holds a South Carolina Surplus Lines Broker license, first issued 2016.
Alexia Paige-Nicole Dowd
Licensed South Carolina Insurance Producer since 2019. Lines of authority: Accident & Health or Sickness, Casualty, Life, Property.
Michael Pack
Licensed South Carolina Insurance Producer since 2022. Lines of authority: Casualty, Property, Surety.
Maria Camila Palomino Espinosa
Licensed South Carolina Insurance Producer since 2024, based in our Charleston-area office. Lines of authority: Accident & Health or Sickness, Casualty, Life, Property, Surety.
Why Team Depth Matters
Insurance decisions are easier when more than one licensed professional understands your policy, your property, and your local market. Our combined 99 years of South Carolina insurance experience means real continuity — not a single point of failure if one agent is unavailable when you need an answer.