HNW Risk Services & Estate Planning

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

High net worth insurance is about more than protection; Dowd Wealth Management can help you establish it as an asset in your portfolio. With our collection of HNW risk services, we provide personal security for high net worth individuals, allowing you peace of mind for the health of you and your family.

Life Insurance

There are many misconceptions about life insurance, including who should have it and how much it costs. It’s also something you should review periodically as your life situation changes. For HNW individuals, it can act as more than a method of income protection, it can actually deliver good rates of return and provide liquidity to offset liability for estate tax. We can help you establish a life insurance plan that acts as a key component in your wealth transfer plan.

Disability Insurance and Long-Term Care (LTC) Insurance

Disability insurance (DI) protects your greatest asset—your ability to work and earn a living for your family. We will ensure you get the DI payments you require if you’re suddenly unable to work; it can cover everything from total disability to short recovery periods and rehabilitation stints.

Long-term care insurance is much more popular among HNW clients than others, but some still believe they don’t need a policy due to the high cost or a history of good health. Unfortunately, a major health crisis can strike at any time and quickly chip away at the savings you’ve spent a lifetime creating. The experts at Dowd Wealth Management can help you find a plan within your price range that provides the protections you need.

Estate Planning

Our estate planning team uniquely tailors plans to each of our individual clients, to protect and manage your asset base in the event of your incapacitation or death. These services include writing a will, limiting estate taxes through trust accounts, naming estate executors, establishing power of attorney and more. While this process involves contemplating the unpleasant, our experts can make it a rewarding undertaking to allow you to better understand your own assets and ambitions.

Insurance for High-Net-Worth Individuals (HNW)

Life Insurance

Disability Insurance and Long-Term Care (LTC) Insurance

Estate Planning

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