Business Details
Your Trusted Insurance Partner in Holyoke, MA
Founded in 1898, The Dowd Agencies stands as the oldest continuously family-owned insurance agency in Massachusetts. Our legacy of personalized service spans over a century, offering tailored insurance and financial solutions for individuals, families, and businesses. With deep roots in western Massachusetts, we combine local expertise with a commitment to understanding each client's unique needs. Our team of licensed professionals holds advanced designations such as CPCU, CIC, and CRIS, ensuring comprehensive coverage for auto, home, business, cyber liability, and group health insurance.As active community members, we prioritize ethical practices, professional development, and supporting local initiatives through board memberships and volunteer work. Our approach emphasizes long-term partnerships, proactive risk management, and adapting to evolving industry standards while maintaining the personal touch that defines our family-owned heritage.
Services
Auto Insurance
Home Insurance
Cyber Liability Insurance
Group Health Insurance
Workers Compensation
Financial Services
Condo Insurance
Flood Insurance
Umbrella Policies
Commercial Property Insurance
Highlights and features
- Family-owned since 1898 with deep local insurance expertise
- Personalized service from licensed professionals with advanced designations
- Comprehensive coverage options for individuals and businesses
- Proactive risk management tailored to Massachusetts-specific challenges
- Community-focused approach with active local involvement
What people say
Trust their expertise
Knowledgeable and communicative
Personalized attention
Strong and successful relationship
Peace of mind
Services
Auto Insurance
We provide customized auto insurance policies for cars, trucks, motorcycles, and specialty vehicles. Our coverage options include liability protection, collision, comprehensive coverage, and discounts for safe drivers. Massachusetts residents receive tailored advice on state requirements and optimal coverage limits to protect against financial risks from accidents or theft.
Home Insurance
Our home and condo insurance policies protect against property damage, liability claims, and living expenses during repairs. We specialize in Massachusetts-specific risks like winter storm damage, offering tailored coverage for primary residences, vacation homes, and condominiums with guidance on flood insurance and umbrella policies.
Business Insurance
We offer comprehensive business insurance solutions including liability protection, cyber liability, workers compensation, and commercial property insurance. Our team addresses Massachusetts-specific regulatory requirements and industry risks for businesses of all sizes, with expertise in construction, hospitality, and professional services sectors.
Workers Compensation
We provide mandatory workers compensation insurance for Massachusetts employers, covering medical expenses and lost wages for work-related injuries. Our solutions help businesses comply with state laws while protecting against productivity losses through tailored risk management strategies and claims support.
Group Health Insurance
We design group health insurance plans for Massachusetts businesses with 50 or fewer employees, offering PPO, HMO, and captive insurance options. Our services include plan comparisons, carrier negotiations, and retiree medical coverage solutions to help employers attract talent while managing costs effectively.
People
Jack Dowd
Vice President and Partner
Fifth-generation family member with MBA from Notre Dame. Holds CIC designation and prior leadership roles at Goji Insurance. Active in community service with Make-A-Wish Foundation and Boys Scouts of America.
Evan Dowd
Vice President, Assistant Treasurer
Commercial lines producer with experience from Boston regional insurers. Bates College graduate working toward CPCU designation. Focuses on commercial insurance solutions for western Massachusetts businesses.
Michael G. Rzepka
Senior Account Executive
30+ years in insurance with CPCU designation. Specializes in commercial underwriting and marketing. Active in Springfield Rotary Club and youth sports organizations.
Steve Corbin
Manager, Employee Benefits
20-year benefits expert with experience at Blue Cross Blue Shield. Oversees renewal processes and carrier negotiations while serving on community boards like Knights of Columbus and Boys & Girls Club.
Michael J. Smith
Account Executive
40-year industry veteran with CPCU, CIC, and CSRM designations. Former Berkshire Insurance Group VP. Specializes in school risk management and youth sports coaching.
Questions
How do I get an insurance quote?
Request online via our website or call 413-538-7444 to speak with a specialist about personalized coverage options.
Can I modify my policy online?
Contact us directly at 413-538-7444 to add vehicles, drivers, or adjust coverage details with your account manager.
What payment methods are available?
Make payments 24/7 online, by check at local offices, or set up automatic payments via credit card or bank transfer.
How do I file a claim?
Submit claims instantly through our 24/7 Claims page or call 413-538-7444 to work directly with our internal claims specialists.
Do I need flood insurance?
Standard homeowners policies exclude flood damage. We assess your risk and recommend appropriate flood coverage through FEMA or private carriers.
Is motorcycle insurance required year-round?
While not mandatory during storage months, we recommend maintaining coverage to protect against theft and damage when not in use.
