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Born to be wild? Check your motorcycle insurance first

Before you get your motor runnin’ and head out on the highway, do you know if you have the right insurance coverage for your motorcycle? The answer may not be as simple as you think.

Coverage requirements vary by state. At a minimum, Massachusetts requires that you carry:

  • Bodily injury to others with limits of $20,000 per person or $40,000 per accident
  • Personal injury protection of $8,000
  • Liability coverage for underinsured automobilists of $20,000 per person or… Continue reading →

Will You Really Be Able to Work Longer?

You may assume you will. That assumption could be a retirement planning risk.

How long do you think you will work? Are you one of those baby boomers (or Gen Xers) who believes he or she can work past 65?

Some pre-retirees are basing their entire retirement transition on that belief, and that could be financially perilous.

In a new survey on retirement age, the gap between perception and reality stands out. The Employee Benefit Research Institute (EBRI) recently published… 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 →

A personal message from John Dowd, president and CEO

Celebrating 35 years with the Dowd Agencies

Forbes magazine noted that less than a third of family-owned businesses survive the transition from the first generation to the second, and fewer than 50 percent of those successfully transition to a third generation. We clearly broke this mold: The Dowd Insurance Agencies is a fourth-generation, family-owned, leading insurance provider that has had the honor of serving our clients throughout New England for more than 118 years.

I recently celebrated 35 years with… Continue reading →

When the dog bites: do you have the right coverage?

Insurance considerations for dog owners

We are a nation of pet-lovers. The ASPCA reports that approximately 78 million dogs are owned in the United States, and over 40 percent of all households have a dog. It may surprise you, but if you are one of them, it’s something you should talk to your insurance company about.

In Massachusetts, dog owners are liable if their dog causes personal injury and the injured person was not trespassing, committing another infraction, or… Continue reading →

National Insurance Awareness Day

3 ways to recognize the importance of this oft-overlooked essential

National Insurance Awareness Day falls on Wednesday, June 28. No fireworks. No cookouts. No decorations. Let’s face it, thinking about insurance is not fun. But still, taking a few minutes to recognize this day could have a tremendous impact on your life, and the lives of your family members.

Everyone needs insurance, whether by law (think auto insurance) or by situation (no one wants to leave their family destitute). Regardless… Continue reading →

Personal umbrella policies

What are they, and should you have one?

Personal umbrella insurance policies have grown in popularity, but they aren’t necessary for everyone.

An umbrella policy protects you against a catastrophic liability loss. For example, a major car accident that injures many people or that causes permanent impairment or death may result in liability beyond what a typical automobile policy covers. An umbrella policy sits atop auto and/or homeowner policies to provide higher limits of protection. They often also cover some… Continue reading →

Accidents happen

Do you know what to do if you have a car accident?

Even the best drivers can get into auto accidents. Weather conditions, road work, pedestrians, distractions and other drivers can cause even the most careful driver to crash.

Do you know what to do if you are in a car accident?

Safety first. Whether it’s a fender bender or a major accident, first, check to see if anyone is hurt. Check yourself and your passengers, then check to see… Continue reading →

The Dowd Agencies launch drive to benefit The National Coalition Against Domestic Violence

 

Collection boxes set up at each branch location throughout the month of May

HOLYOKE, Mass. – The Dowd Insurance Agencies, a leading insurance provider serving New England for more than 118 years, today announced the launch of a cell phone collection drive to benefit The National Coalition Against Domestic Violence (NCADV). The organization, founded in 1978, works to end violence in the lives of women and men through education and advocacy efforts. The donated cell phones will be… Continue reading →

Life takes planning

And so does your family’s future

Alan Lakein, author of How to Get Control of Your Time and Your Life, once said: “Failing to plan is planning to fail.” And when it comes to protecting your family’s future, that statement has never been more true.

There are several steps you can take now to protect your family later. Life insurance is one of them.

Do you need life insurance? How much?

To determine if you need life insurance, ask… Continue reading →

Road work zone hazards

 

7 tips to help you navigate safely

The I-91 construction project is in full swing in downtown Springfield, and road work throughout the rest of the region is picking up now that the weather is warming. With a little patience and advance planning; however, you should be able to reach your destination safely and on time.

Some of these tips may seem obvious, but they serve as important reminders for all of us:

  1. Practice patience. Road work… Continue reading →

Insurance: the wisest investment of your young life

Get it now, be glad you did later    

We’ll be the first to admit it: Insurance isn’t particularly riveting. Don’t get us wrong; we happen to find it quite interesting, and heaven knows it’s important. It simply doesn’t spark much excitement. Not in the way something like a robbery, a serious injury or a lawsuit might. Those things are bound to get the blood pumping—especially if they happen to you.

In a world full of excitement, insurance is… Continue reading →

What’s driving your monthly premium?

How auto coverage costs are determined, and how you can help control them 

The whirlwind weekends spent online and on lots are behind you at last; you’ve got yourself a new vehicle. You did the math, worked your sales-defense savvy and settled on a manageable loan payment. Hopefully, your number crunching considered that other monthly payment, the one that goes along with this exciting purchase. It’s auto insurance, your financial protection in case of damage, destruction or theft of… Continue reading →

Five generations later, Holyoke’s Dowd Agencies stays true to insurance roots

Written by Keith O’Connor, Special to The Republican

HOLYOKE – No story about the Dowd Agencies – the oldest insurance agency in Massachusetts under continuous family ownership – and its tremendous growth over the years can be told without a little background history first.

Like many Irish immigrants who came to settle in Holyoke, James J. Dowd arrived in the Paper City in 1865 to build a better life for himself and his family.

While Dowd worked in a textile… Continue reading →

Bridging the GAP- Don’t Let Depreciation Put You at Risk!

 

We’ve all heard it before: a brand-new car loses 30% of its value when it’s driven off the lot. That means if your car is totaled or stolen, your insurance company will only pay out what your car is worth at the time of the claim. The purpose of Guaranteed Asset Protection—better known as GAP insurance—is to cover the “gap” between what you owe on your vehicle and what it’s worth at the time of the loss.

While GAP… Continue reading →

Learning the Facts of Life (Insurance, That Is)

Life Insurance Myhts

The most important policy you may think you don’t need

You lock up your home at night. You secure your children in 5-point harness car-seat systems and make sure you buckle up, too. You keep emergency numbers posted on the fridge, right near the phone. Then, with these things in place, you carry on.

And that’s our segue to a discussion on the king of the just-in-cases: life insurance. Understandably, this one tends to stir heebie-jeebies that other safeguards don’t.… Continue reading →

Headed north for trailer registration? You may be sorry!

Even for a Massachusetts native, there are plenty of reasons to visit New England’s northernmost state. Go for the legendary lobstah. Check out the vast beaches or historic hiking trails. Shop the famed outlets, and score your favorite fashions for less.

But if you’re looking to score a bargain on your trailer’s registration, you’re wiser to stay close to home.

In recent years, many Massachusetts residents and business owners have succeeded in registering their semi- or utility trailers in Maine.… Continue reading →

DAVID W. GRIFFIN, SR., SELECTED AS TREASURER OF POPE FRANCIS HIGH SCHOOL BOARD OF DIRECTORS

David W. Griffin, Sr.

HOLYOKE, Mass. – 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… Continue reading →

Business Income Insurance – Coverage You Can’t Afford to skip

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Have you ever watched a big storm or witnessed an accident on the news that you hope would never happen to you and your business? The truth is you never know when a natural disaster or accident will hit. If it does, is your bottom line covered?

Business income coverage (also known as business interruption coverage), is protection against loss of income or profits. This coverage protects businesses if they have suffered a property loss or damage from a covered… Continue reading →

Are my visiting relatives covered under my auto insurance policy?

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Picture this – it’s Thanksgiving and you have entire gaggle of family show up for the holidays, some by plane and some by car. While you are thrilled about your family visiting, chances are these out-of-town guests will ask to borrow your car for a last minute trip to the grocery store. You might want to hesitate before tossing them the keys…

There are usually two kinds of drivers whom are covered by your car insurance: drivers that are listed… Continue reading →

Recovering from a Disaster

By John E. Dowd Jr.

John E. Dowd Jr.

Change in the business environment is expected. From regional landscape shifts and government regulations to emerging technologies, international competition, and more, it’s important to consider all the reasons why and how to insure your business.

And while some changes are predictable, others are not, but there are ways to plan for both.

What if you went to the office one morning to find nothing there? A flood, hurricane, tornado, or terrorist attack made it impossible… Continue reading →

JACK DOWD, FIFTH GENERATION JOINS THE DOWD INSURANCE AGENCIES

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HOLYOKE, Mass. – The Dowd Insurance Agencies, a leading insurance provider serving New England for more than 118 years, today announced Jack Dowd will be joining the agency as an Account Executive. The addition of Jack Dowd represents the fifth generation of family to be employed at The Dowd Insurance Agencies.

“It’s a real sense of pride that I feel welcoming my son, Jack, to the family business representing the fifth generation here at The Dowd Insurance Agencies,” said… Continue reading →

How Much Money are You Willing to Spend on Insurance?

By: John E. Dowd, Jr

In the world of insurance everyone knows that driving history can impact your insurance rates. What most people do not realize is that your insurance rates can go up because you decided to buy a new pair of shoes or a nice new grill for the summer months.

This emerging tactic is called price optimization – an approach that some insurance companies have implemented. This practice uses an algorithm and statistical models to evaluate how… 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.