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Bundling Your Insurance Plans Can Help You Save a Bundle

If you’re like most people, you are likely already aware of the benefits of bundling. Perhaps you bundle your cable, internet and phone service. Or maybe you bundle your order as a value meal at your local fast-food restaurant (would you like fries with that?). Bundling your insurance policies––for example home, auto and life––can also save you both time and money and net you better customer service as well.

Rather than having to deal with multiple companies, you can streamline… Continue reading →

Landlord insurance: don’t rent out without it

Rental Agreement with KeysKnow how to protect your rental property.

When you buy a home, you buy homeowners insurance—usually. The exception? When the home you own isn’t for you to occupy.

Rental property, whether a single-family home or one split into multiple units, is a whole different ballgame in terms of insurance. Although one or more parties call the place home, homeowners insurance typically does not provide appropriate coverage for a residence that primarily generates rent. That’s why someone (surely some brilliant forbear… Continue reading →

Planning a DIY project? Don’t Injure Yourself…

Before you measure twice, think twice—and consider the implications

Across the nation, it’s happening every day. Executives and editors channeling their inner electrician. Stockbrokers and sous chefs playing professional plumber. Teachers, office managers, personal trainers and innumerable others embarking on a serious building endeavor.

And, in many cases, insurance agents cringing for them.

Yes, it’s a DIY world out there, thanks largely to social media, marketing campaigns and wildly popular television shows—indeed, enough to warrant an entire new network—devoted to… Continue reading →

Dowd Financial Services hires Tiffany Anderson as account manager

The Dowd Agencies, LLC, a leading insurance provider serving New England for over 115 years, recently welcomed Tiffany Anderson, a resident of Palmer, as an account manager for Dowd Financial Services.

“Dowd Financial Services continues to expand through the growth of our existing clients and the acquisition of new clients locally, regionally and throughout the country,” said Jon D. Lumbra, CFO and vice president of administration. “We are expanding our team to help fuel this growth and continue… Continue reading →

The Dowd Insurance Agencies hires Mason Lebron as account executive

The Dowd Agencies, LLC, a leading insurance provider serving New England for over 115 years, recently welcomed Mason Lebron, a resident of Springfield, as an account executive.

“The Dowd Agencies continues to grow to meet the needs of the communities we serve,” said John E. Dowd, president and CEO. “Mason is a welcome addition to our team, bringing experience with property, casualty and life insurance, and a strong commitment to customer service.”

Prior to joining The Dowd Agencies, Lebron… Continue reading →

‘Tis the season to think safety

Not every holiday fire is so delightfulChestnuts roasting on an open fire… candles in the window... despite the lovely images they may elicit, some traditional holiday lyrics should carry a disclaimer: Don’t try this at home!We’re not trying to dampen spirits (honest!); on the contrary, we want everyone to enjoy a season that’s merry and bright. We just want to make sure the source of that brightness is a safe and well-controlled one. Many of the classic joys we associate with winter holidays—candles, decorative lights, indoor greenery and plenty of home cooking—are also classic fire hazards, making fire safety a key consideration this time of year. Continue reading →

Give thanks, stay safe

 Simple safety measures make for a happily memorable Thanksgiving

On Thanksgiving Day, millions of Americans fall into one of two categories: the travelers and the hosts. As to which represents the smaller piece of the furcula (better known as the wishbone; #TurkeyTrivia), that depends heavily on whom you ask. Some would rather spend hours crawling a highway than days cleaning to in-law standards, while others wouldn’t trade their homey kitchen traditions for all the pumpkin pies on Earth. In… Continue reading →

The Dowd Agencies partner with the Hartsprings Foundation to support Big Brother Big Sisters of Hampden County

The Dowd Agencies are proud supporters of Big Brothers Big Sisters of Hampden County. In collaboration with Hartsprings Foundation we will be taking part in a clothing drive for the entire month of August. Hartsprings was founded in 1997 with the purpose of funding Big Brothers Big Sisters mentoring programs in Massachusetts and Connecticut. With a partnership with Savers Thrift stores Hartsprings turns your unwanted items into funding for five Big Brothers Big Sisters agencies.

Please… Continue reading →


David W. Griffin, Sr.

The Dowd Insurance Agencies, a leading insurance provider serving New England for more than 118 years, today announced that David W. Griffin, Sr. was selected as the treasurer for the new Pope Francis High School board of directors.

Pope Francis High School is a faith-based college preparatory school serving grades 9-12, formed through the merger of Cathedral and Holyoke Catholic high schools. Currently operating out of the former Holyoke Catholic building, a new, state-of-the-art facility is under construction on… Continue reading →

John E, Dowd, Jr. Selected To The MAIA Board of Directors

John Dowd Jr. The Dowd Insurance Agencies, a leading insurance provider serving New England for over 115 years, today announced that President and Chief Executive Officer of the Dowd Insurance Agencies, John E. Dowd Jr., was selected to serve on the board of directors for the Massachusetts Association of Insurance Agents (MAIA).

Membership in the MAIA is open to independent, licensed insurance agencies doing business as individuals, partnerships, corporations or other forms of business organizations in Massachusetts with 1,300 agency members,… Continue reading →

Dowd Insurance Agencies Promotes Employee Wellness

The Dowd Insurance Agencies, a leading insurance provider serving New England for over 115 years, launched a formal wellness program to promote physical and mental health of employees in the workplace and at home. The program was officially announced in February at an annual meeting and a committee was formed to create, implement and monitor the effort to support overall health and morale of participating employees.

“In January, a committee was formed to promote wellness within our work environment.… Continue reading →

Around-the-Clock Service

In this need-it-now world, the James J. Dowd & Sons Insurance Agency knows how important it is to meet customer expectations. If they don’t, somebody else will. Watch this Success Story to find out how their brokerage is using value-added services to get more business in the door and keep their insureds loyal and satisfied.


The Dowd Insurance Agencies to Host a Series of Blood Drives

HOLYOKE, Mass. – The Dowd Insurance Agencies, a leading insurance provider serving New England for over 115 years, today announced they will host a series of Baystate Blood Donor Program blood drives at their Holyoke facility located at 14 Bobala Road. The first mobile blood drive will be held Tuesday, Aug. 11 from 9 a.m. to 2 p.m. in The Dowd Insurance Agencies parking lot.

With over a century of insurance experience, The Dowd Insurance Agencies has a longstanding history… Continue reading →

The Dowd Insurance Agencies Holds Open House

Dowd-RibbonCutting_9148-MRThe Dowd Insurance Agencies, a leading insurance provider serving New England for over 115 years, held an open house to celebrate their newly renovated space on Main Street in Indian Orchard, Wednesday, May 20. The open house featured a ribbon cutting with the Affiliated Chambers of Commerce of Greater Springfield (ACCGS) and provided customers and neighbors the opportunity to tour the new office space.

Moskal-Dowd & Orchard-Dowd recently moved to 485 Main St., Indian Orchard, to provide more services under… Continue reading →

Dave Griffin, Jr. Receives Certified Insurance Counselors Designation

The Dowd Agencies, a leading insurance provider serving New England for over 115 years, today announced Account Executive David Griffin, Jr., has received the Certified Insurance Counselors (CIC) designation. This accomplishment is not mandated for the insurance industry, but provides an extensive knowledge-base to benefit consumers.

“Prestigious designations like CIC are essential if you want to be considered among the leaders in our industry. It shows a true commitment to professionalism and excellence in the business of insurance sales. David… Continue reading →

Remembering James Joseph Tierney

“With the passing of our good friend and colleague, we are reminded of how fragile life can be. Jim was a kind man who loved life and found great joy in the simple gifts that life offers us, namely family and friends. We will miss his happy spirit and unselfish attitude. He was a “giver” in a world of “takers”, which is why he stood out in a crowd. His unique brand of humor and quick wit was his alone.… Continue reading →

More Businesses Turn to Insurance for Protection Against Hackers

SPRINGFIELD (WGGB) — It seems every week there’s another company that’s been hacked.

Who can forget the massive cyber-attack on Target just before the holiday’s in 2013, when a hacker stole more than 40 million credit and debit card numbers?

Then in April, hackers hit Home Depot and stole 56 million credit card accounts.

More recently, insurance giant Anthem fell victim, leaking 80 million customer social security numbers and other sensitive information.

Those are the big ones – but nearly… Continue reading →

Homeowners’ Liability Often Extends Beyond the Home

One misconception about homeowners’ liability insurance coverage is that it covers only incidents in the home. In actuality, the comprehensive personal liability (CPL) coverage under a homeowners’ insurance policy is really not associated with any location, other than the limitations and exclusions on the policy. Read full article on BusinessWest.com here.

Cathy Sypek Earns The ‘Professional Plan Consultant’ Credential

Recent regulatory changes to the qualified retirement plan industry have sparked an urgency to ensure retirement plan service professionals have specialized training and resources. These initiatives help plan sponsors meet their fiduciary obligations in addition to providing a means of documenting that prudent practices are being followed in the management of an employee-sponsored plan. Accredited Professional Plan Consultants (PPC) demonstrate a high level of knowledge with regard to these issues and have the ability to provide plan sponsors with the… Continue reading →

Are You Protected Against Cyber Theft?

If the Answer Is ‘No,’ the Consequences Could Be Costly


When it comes to cyber security and data breaches, no system is infallible. Some of the largest companies in the world have been victims of data breaches.  Recently, the Swansea, Mass. Police Department contracted the CrytoLocker computer virus, and paid ransom to gain access to their files.

While large breaches like those at Target, Neiman Marcus, and Yahoo! receive great media attention, smaller breaches occur daily… Continue reading →

Who Is Liable to Pay for Pothole Repairs?

WEST SPRINGFIELD/HOLYOKE, Mass. (WGGB) –Tire Warehouse was one of the first places people went after their tires blew on Rt. 5, battling potholes. “We’ve been seeing a lot of damage, Between tires, wheels, the whole thing. People are calling us off the hook, wondering if they have road hazard coverage or not,” said manager Tim Dowley.

In fact, in recent days, John Dowd has seen several people coming into his office in similar situations, wondering if or where the municipality… Continue reading →

Process Engineering

How to Reduce Stress and Optimize Outcomes in Filing Insurance Claims
John E. Dowd, Jr. December 17, 2013 Business West

Let’s begin with the premise that insurance companies are in the business of paying claims, pure and simple. However, as most people are aware, the process of filing and then being paid for compensable claims is not always easy or convenient, depending on the size and nature of a claim.
We try to advise our clients at the outset of… Continue reading →

Wise Policies

Why Life Insurance Is Important for Small Businesses


In any business, the death of a key person can seriously cripple stability.
Therefore, securing a life-insurance policy is an essential part of a business plan regardless of the industry served, and for many reasons.
For example, with life insurance in place, the business can use the death-benefit proceeds to help cover the expense of finding, hiring, and training a replacement, which is often a burden for even healthy… Continue reading →

The Dowd Insurance Agencies Announces The Appointment Of Accounting Controller, Timothy J. Sterritt

The Dowd Agencies, a leading insurance provider serving New England for over 115 years, is pleased to welcome Timothy J. Sterritt, as accounting controller at its Holyoke office. Sterritt will play a key leadership role as a member of the senior management team, participating in and directing the agency planning process. He is responsible for planning, establishing, leading, controlling and maintaining systems and procedures to provide timely and adequate financial reporting and controls.

“Tim is an accomplished financial professional and… Continue reading →

The Dowd Insurance Agencies Announces Addition of Michael Levin as Account Executive

Holyoke, MA – The Dowd Agencies is extremely proud to welcome Michael Levin as Account Executive at its Holyoke office. In his capacity, Levin will be developing new long-term relationships with both clients and vendors while also servicing existing insurance policy-holders.

“Michael has demonstrated an ability to perform in a fast-paced entrepreneurial environment making him uniquely suited to the ever-changing insurance industry,” said Robert W. Gilbert, Jr., President of The Dowd Agencies. “His loyalty and dedication to growing a business… Continue reading →

The Dowd Agencies Announce the Appointment of President to Its Financial Services Division

HOLYOKE, MA- The Dowd Agencies, a locally owned independent insurance agency is pleased to announce the appointment of R. Kirk Mackey* as President of Dowd Financial Services LLC (DFS) and its Employee Benefits Division effective February 1, 2013.  DFS is a full service financial division of The Dowd Agencies, with over 50 years of combined expertise specializing in employee benefits.

Kirk has been in the financial services business since 1979.  Prior to coming to Dowd in 2005… Continue reading →

Cray-Dowd Insurance Agency Inc. of Amherst, Ma Pulling Up Stakes and Moving to New Location in Hadley

HADLEY, MA- The Dowd Agencies, headquartered in Holyoke, MA is happy to announce they are moving their Cray-Dowd Insurance Agency office located at 101 University Drive in Amherst, MA to 226 Russell Street (Route 9) in Hadley, MA.  The new Cray-Dowd office will be open for business beginning March 13, 2013 and customers can still use the same telephone number (413) 538-7444 to reach them.

 “We are thrilled to be a part of the exciting expansion along… Continue reading →

Certificates of Insurance, Evidence of Coverage Forms and Binders

Certificates of insurance, evidence of coverage forms and binders (collectively hereafter referred to as “certificates of insurance”) are intended to summarize insurance policies, including liability limits, in lieu of providing the actual polices to insureds or third parties as proof of coverage.

The Massachusetts Division of Insurance (“Division”) has been informed, however, that some insurance companies and insurance producers are being asked to provide certificates of insurance that purport to amend, extend or otherwise alter the terms of insurance provided… Continue reading →

Tornado Assistance

SBA Assistance

SBA provides low-interest business loans of up to $2 million to cover both repair of physical damage and to help a business overcome distaster-related economic injury. Rates will not exceed 4 percent for businesses with no other credit options and repayment terms of up to 30 years are available. If your business property secures and existing mortgage, a refinance of that mortgage can be included in the new loan. For more information, call (800) 659-2955 [TTY (800) 877-8339]… Continue reading →

Red Cross Assisting Torando Victims

The Red Cross Safe and Well website is being used to track residents who have been displaced by the tornadoes in the Springfield area.

It is a free, public communication tool where those affected by disasters can register on the site and post messages that they are safe. Loved ones can then conduct a search on the site to view the posted messages. To access the website, please go to https://safeandwell.communityos.org/cms/index.php You can enter yourself as “Safe and Well”… Continue reading →

Tornado Assistance


FEMA and other federal agencies are currently in the middle of  conducting an assessment. This assessment and further federal action may lead to resources becoming available in the future, but nothing as of yet. They’ve provided links to various business assistance agencies that can be found at the link below, but until the fed completes the assessment phase, no one has funds.  http://www.springfieldcityhall.com/planning/171.0.html

The Administration is also working with landlords to secure temporary office space… Continue reading →

Frank Moskal Agency Becomes Part of the Dowd Agencies

Frank Moskal Insurance Agency of 28 Parker Street, Indian Orchard, MA has merged with The Dowd Agencies of Holyoke, MA. The name of Frank Moskal Insurance Agency will change to Moskal-Dowd Insurance, Inc.  and the quality service and insurance expertise that Moskal clients have known for more than 70 years will continue under this new name.

Moskal Insurance was founded in 1930 by Frank Moskal’s father. Frank ran the agency until recent years and his son Gary J. Moskal… Continue reading →

Are You Properly Insured for Your Summer Fun?

Nearly all summertime, outdoor activities come with increased risks. A call to your insurance agent is always a good first step in making sure you are protecting yourself and your family.  The National Association of Insurance Commissioners offers some tips to make sure you and your family are insured for the increased risks that come with outdoor activities.  To read the article, please click here.

Competitive Auto Insurance is Finally Coming to Massachusetts April 1, 2008!

Dowd Insurance is excited about the upcoming changes in auto insurance, and we are ready for it.

Over the next few months, you will be hearing about the new competitive auto insurance market in Massachusetts.  We represent the top auto insurance carriers in the state, and we will be working with them to offer a variety of coverages and discounts along with highly competitive rates.  Dowd is monitoring these changes closely, and will keep you informed.

Dowd Insurance… Continue reading →

MA Competitive Auto Rate Filings Summary

Questions, questions, we all have questions on the competitive auto coming April 1, 2008.

We, at Dowd, want you to know we are excited about the upcoming changes in 2008 Massachusetts Auto.   We don’t have all the answers right now, but we are working hard and will be ready when that time comes.

As an Independent Agent representing a variety of strong auto carriers we can help you select the best coverage at the best price, especially if… Continue reading →

Travel Insurance

When you’re planning for a vacation, we’re sure that you rarely consider the fact that something might happen to interrupt your trip or that might even prevent you from taking the trip. The truth is that any number of things can happen to spoil a vacation. Among them are cancellation; delayed departure; loss, theft, or damage to personal property; loss or theft of travel documents (such as passports); delayed baggage (and the associated costs of replacing necessary items); medical expenses;… Continue reading →

Purchasing A Personal Umbrella Policy Is A Wise Decision

One of the most important insurance policies you can buy is the personal umbrella policy, but many people are unaware they need one. This policy provides high limits of liability to protect you against a catastrophic liability loss. For example, a major car accident may injure numerous people or cause head injuries or death that will result in liability far in excess of the limits typically purchased in a personal auto policy. An umbrella policy sits on top of the… Continue reading →