Group Benefits

Testimonial

“The restaurant business is fast-paced and requires that I wear a lot of hats. I love working with The Dowd Agencies because they sweat the details, so I don’t have to. They are very diligent, and I trust that they have our best interests at heart.”

Steve Hurwitz | Franchise Owner
Uno Restaurants

Testimonial

“Doing business with The Dowd Agencies is a pleasure. I have confidence in all aspects of our insurance: coverage; management; and most importantly, cost. Eastern States Exposition receives timely responses, great advice and individualized attention. The Dowd Agencies has made my job demonstrably easier.”

Eugene Cassidy | President and Chief Executive Officer
Eastern States Exhibition

Testimonial

“The Dowd Agencies excels at customer service, and really understands the specific insurance regulations and challenges facing local businesses in Massachusetts. They work with us to ensure we have the exact coverage we need, so we can focus our attention on our day-to-day operations.”

Dino Gravanis | General Manager
Springfield Country Club

Testimonial

“Hannoush Jewelers has been a family-owned business since opening our first store in 1980. When it comes to our core values of integrity, respect, professional conduct and customer commitment, Dowd not only understands them but exemplifies them. We are proud to partner with Dowd for all our insurance needs.”

Michael Hannoush | CFO
Hannoush Jewelers of Connecticut

Testimonial

“Excel Dryer prides itself on being a family-run company that manufactures its complete line of products here in the U.S., and Dowd has a unique understanding of our needs. The spectrum of coverage options and top-rated providers from Dowd provides us with security, no matter the venture we pursue. When evaluating our insurance options, we quickly realized that Dowd’s proud heritage mirrored our values at Excel, which has led to a strong and successful relationship.”

Denis Gagnon | President
Excel Dryer

Testimonial

“Partnering with Dowd Insurance was a win-win for us. With convenient locations all over western Massachusetts, Dowd can service our needs at any time.”

Dave Fontaine | President
Fontaine Bros., Inc

Testimonial

“Dowd Insurance has handled our bonding and insurance needs for over 15 years and they are extremely service oriented. In the construction business, this is not only an important part of our business requirements, but one that offers much needed peace of mind.”

Jerry Gagliarducci | Owner
Gagliarducci Construction, Inc., Indian Orchard, MA

Testimonial

“My overall experience with Dowd Insurance has been excellent. They have been very knowledgeable, communicative, and easy to deal with. One specific experience I had working with Cindy was when I got in a car accident. Cindy was able to save me several thousand dollars by asking me detailed questions regarding the accident resulting in a huge savings on my yearly payment. Can’t thank her enough!”

PJ Mondani | Chain Sales Executive
Commonwealth Wine & Spirits Boston, MA

Testimonial

“I have always used Geico in the past because I assumed they had the best deals. When I moved to Massachusetts a friend suggested I check out Dowd and I’m glad I did! Kim made sure I had everything I needed to go to registry, as well as stamping my RV1, out of state tax form, and assisted me on cancelling my old plates and policy. They have a very friendly and knowledgeable staff”

Drew London | Assistant Golf Professional
The Country Club, Brookline MA

Testimonial

"The Dowd Insurance experience is unmatched. For me, it goes beyond the exceptional portfolio of products they sell, and it becomes a more personal engagement from top to bottom. My representative, Cynthia, is my trusted advisor for all things insurance. At Dowd it’s all about trust, the customer experience, and building a long-term partnership with their clients. The other guys make a 15-minute promise, and that's all you get."

Matthew Geary | HCM Consulting Sales Manager
Oracle Consulting

By providing employees with group benefits that meet their needs, Dowd can help your business reduce turnover while keeping your staff healthy. The Dowd Agencies will identify your very specific group needs and work on your behalf as an insurance broker. We'll shop highly rated carriers and combine plans to build a package that works for your employees.

Small Group Benefits and Large Group Benefits

In Massachusetts, businesses with 50 or fewer employees are eligible for small group benefits, while businesses with more than 50 employees are eligible for large group benefits. The professionals at Dowd can help in either situation.

Regardless of size, group health insurance plans usually offer managed care plans, such as preferred provider organizations (PPO health insurance), health maintenance organizations (HMO), and point of service (POS insurance), or indemnity plans like fee-for-service (FFS) options. Our group health insurance plans will provide your business with options.

Captives

A captive health insurer is completely owned and controlled by those it insures—a form for corporate self-insurance. When creating captive insurance, the primary goal is for a company to meet the specific insurance needs of their business while working outside the commercial insurance marketplace. The Dowd Agencies can help you create a captive insurance company that’s right for you to insure against specific risks or create tax savings.

Group Retiree Medical Plans

Dowd can also help your company implement a group medical plan for your eligible retirees. We can help establish a benefit plan that rewards your longtime employees with the coverage they now require, providing benefits for you and your loyal workers.

Thriving businesses know the importance of providing health insurance to employees. Contact us to customize a plan today.

What are the Benefits?

Adding retiree group plans is an expense for business owners, but one that can easily be recouped. We can find a plan for your business that integrates with group Medicare, which is another available option that companies can provide their former employees.

Thriving businesses know the importance of providing health insurance to employees. Contact us to customize a plan today.

Captives

Group Retiree Medical Plans

What are the Benefits?

Think about the things in your life that are most important to you. Let us help you ensure they are protected.