Small Business Spotlight - Coral Reef Insurance: A Journey from Nursing to Compassionate Health Coverage

Coral Reef Insurance: A Journey from Nursing to Compassionate Health Coverage

At the heart of every great business lies an inspiring story, and for Susan Cothran, the founder of Coral Reef Insurance, it began with a desire to merge her deep-rooted compassion for helping others with the flexibility and freedom of entrepreneurship. After dedicating 31 years to nursing, Susan felt the need to step out of the traditional work environment, yet she wasn't ready to leave behind the opportunity to make a difference in people’s lives. Thus, Coral Reef Insurance was born.

Compassionate Coverage Tailored to Your Needs

Coral Reef Insurance offers nationwide PPO health plans under the umbrella of United Healthcare, a name synonymous with trust and quality in the healthcare industry. What sets Coral Reef Insurance apart is the ability to customize these plans to fit virtually any need or budget. This flexibility ensures that every client receives coverage that is as unique as their individual circumstances.

Adapting and Evolving: The Hallmark of Success

The insurance industry is ever-changing, and Susan takes pride in her ability to keep pace with these developments. She ensures that the plans she offers evolve each year, improving based on the latest market research. This commitment to staying current is a key reason why many of Susan’s clients have remained with her since the beginning—a testament to the trust and satisfaction she has cultivated over the years.

The Joy of Entrepreneurship

For Susan, the greatest rewards of running Coral Reef Insurance extend beyond the financial. The flexibility of managing her own business allows her to balance her professional and personal life in a way that wasn’t possible in her previous career. Networking has become a cornerstone of her business, not only for its role in generating leads but also for the meaningful relationships and friendships she has formed along the way. Most importantly, Susan cherishes the opportunity to continue helping people, a passion that has driven her throughout her career.

Surprises and Joys Along the Way

Every business owner has stories that stand out, and for Susan, one of the most unusual moments came when a longtime client called with unexpected news—she was pregnant in her 50s! Susan was there to guide her through her options, just as she has been for countless other clients, offering support and advice during life’s unexpected turns.

Life Beyond the Office

When she’s not helping clients, Susan enjoys a vibrant life filled with activities that bring her joy. Whether she's playing pickleball, swimming, or indulging in her passion for snorkeling—a hobby that inspired the name Coral Reef Insurance—Susan knows how to make the most of her free time. She’s also an avid collector of Marvin the Martian memorabilia and holds a black belt in Taekwondo, a fun fact that surprises many who meet her.

The Power of Networking

Susan attributes much of her business growth to the power of networking. Through her connections with other local business owners, she has not only found new ways to attract clients but also gained valuable insights that have helped her refine her approach to business. Her advice to fellow entrepreneurs is simple yet powerful: “Network! Meet people! Decide what makes you unique!”

Looking Ahead: The Future of Coral Reef Insurance

As Coral Reef Insurance continues to grow, Susan is excited about expanding her presence on social media, using these platforms to reach even more potential clients. This strategic move is part of her broader vision to make Coral Reef Insurance a household name, synonymous with compassionate, customizable healthcare coverage.

Susan Cothran’s journey from nursing to insurance is a testament to the power of passion, adaptability, and the human touch in business. Through Coral Reef Insurance, she continues to impact lives, one health plan at a time, while enjoying the freedom and fulfillment that come with being her own boss.

For more details about Coral Reef Insurance, visit Suzy Q Helps You or Coral Reef Insurance