Business Details
50+ Years
experience
Emergency
services
Trusted Insurance Services in Marlborough, MA
Established in 1928, our agency has grown to become one of the oldest and most respected insurance providers in Marlborough, Massachusetts. With three generations of experience, we specialize in delivering tailored insurance solutions to individuals and businesses across Massachusetts and New England. Our commitment to professionalism is reflected in our prompt service, competitive pricing, and knowledgeable team of licensed experts. Customers consistently highlight our positive attitude, convenience, and fully automated claims process as key strengths.Backed by partnerships with top insurers like MAPFRE and Plymouth Rock Assurance, we combine local expertise with nationwide resources to ensure comprehensive coverage, financial planning services, and exceptional client support. Our dedication to transparency, ethical standards, and personalized service has earned us lifelong customer relationships spanning decades.
Services
Auto Insurance
Home Insurance
Life Insurance
Business Insurance
Commercial Property
Workers Compensation
Umbrella Insurance
Financial Services
Farm Insurance
Church Insurance
Details
- Year established: 1928
Highlights and features
- We offer 90+ years of proven experience in Massachusetts insurance markets
- Our team includes certified professionals with local regulatory expertise
- Custom packages combine coverage from 35+ top insurance carriers
- 24/7 claims reporting through our website and partner portals
- Personalized service with three generations of local community knowledge
What people say
Competent team
Quick service
Friendly staff
Excellent support
Great pricing
Services
Auto Insurance
We provide comprehensive auto insurance protection across Massachusetts and New England. Our policies cover liability, collision, comprehensive damages, and uninsured motorists. Special programs include competitive rates for new drivers, good student discounts, and bundling packages that combine auto with home insurance. Our team helps clients navigate state requirements while finding optimal coverage that balances protection and affordability.
Commercial Insurance
Our business insurance solutions safeguard enterprises across New England with customizable packages. Coverage options include general liability, workers' compensation, commercial property, and umbrella policies. We specialize in helping businesses meet state-specific requirements while protecting against risks like lawsuits, property damage, and operational disruptions. Partnering with top carriers ensures competitive pricing and comprehensive protection.
Home Insurance
We offer tailored home insurance solutions for Massachusetts residents that cover structural damage, personal belongings, and liability protection. Policies address unique risks including severe weather events and include optional coverages for valuable items. Our agents help clients understand policy details, maximize discounts, and select appropriate coverage levels that balance protection with budget considerations.
Financial Services
Through our partnership with Centaurus Financial, we provide portfolio analysis and retirement planning services. Our offerings include 401(k) plans, IRAs, and estate tax analysis to help clients protect accumulated assets. This integration of insurance and financial planning ensures comprehensive protection for both current needs and long-term financial security across Massachusetts.
Umbrella Insurance
Our umbrella insurance provides supplementary liability coverage beyond standard policies. This critical protection applies to both personal and commercial policies, covering significant claims that exceed primary policy limits. Available as standalone policies or integrated packages, these plans protect against catastrophic losses from lawsuits or major accidents across Massachusetts and New England.
People
Charlie Downey
President
Third-generation insurance professional with 25+ years of experience leading the agency. Specializes in commercial risk management and personal insurance solutions while maintaining family commitment to personalized service.
Judy Alland
Insurance Agent
Recognized for exceptional customer service with 13 years of experience handling personal and business insurance policies. Known for prompt issue resolution and policy customization for Massachusetts clients.
Elis Colon
Customer Service Representative
Award-winning team member known for helping clients secure optimal coverage combinations with focus on auto and home insurance solutions across New England markets.
Shari
Insurance Specialist
Brings 18 years of insurance expertise with focus on policy comparisons and discount optimization while maintaining approachable customer interactions that combine professionalism with warmth.
Brenda Lando
Insurance Agent
Experienced agent recognized for simplifying complex insurance decisions with clear explanations of policy details while maintaining strong client relationships through personalized attention.
Questions
What types of insurance does Downey Insurance Group offer?
We offer auto, home, life, business, farm, church insurance, financial services, and specialty coverages. Our independent agent status allows comparison across 35+ carriers for optimal solutions.
How do I file an insurance claim?
File claims through our website's online claim form or contact our Marlborough office. For emergencies, contact carrier direct numbers like MAPFRE (800-221-1605) or Travelers (800-238-6225).
What business insurance protections do you recommend?
Essential protections include general liability, workers' compensation, commercial property, and umbrella policies. We customize packages meeting Massachusetts requirements while addressing specific industry risks.
Are there available insurance discounts?
Available discounts include good student (10%), bundling (up to 18%), paperless (4%), driver training (2%), and multi-policy packages. Contact us for personalized discount opportunities.
How are payments handled?
We accept credit card payments and electronic funds transfers. The Plymouth Rock app enables mobile payments with EFT options available for scheduled automatic payments.
What areas do you service?
We primarily serve Massachusetts with specialized expertise in local regulations, plus extended coverage across New England including Vermont and New Hampshire markets.
Videos
Reviews (7)
Sean Cudmore
Apr 15, 2022
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Very friendly staff. Knew exactly what I needed for coverages for both business and homeowners insurance policies. Easy to work with and I felt like I was important to them. The owner (Charlie) was actually the person that I sat down with and discussed my needs. Very pleased with the service and the experience.
Dennis Charles
Oct 07, 2021
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For 15 years Downey Insurance was a strategic partner to our small software business. They adeptly understood our needs and comprehensively supported our insurance needs and compliance requirements. Our Downey partnership was key to our success! Sr. VP - Dennis Charles (retired)
Shelby Hutchinson
May 01, 2021
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The staff at Downey Insurance are wonderful (especially Nicole and Judy)! They have been extremely helpful, professional, and attentive every time I've worked with them. If you are looking for a company that puts your needs first, look no further!
Carmen Hernandez
Nov 10, 2019
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Insurance is already great, but my review is for the Realty portion they offer! Yes they also do Real Estate. And it is an amazing experience, the professionalism is off the roof, and they provide the best help, specifically the realtor Lucas R.! he helped me in every step and handled all matters especially since the loan people i had through a bank was very LACKING (also recommend to use Lucas loan team not directly with banks) He handled it all and he was able to get me a HUGE deal on my new home! reducing price from $286000 to $265000. I recommend Lucas and Realty Group from Downey 110%
Matthew Saviano
Jan 05, 2018
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Charlie Downey & the team at Downey are always a pleasure to work with The staff is all welcoming, polite, and extremely professional. In my continuous assignments with Downey Insurance they have been the example of communication & teamwork.
Paul Laskow
Nov 10, 2017
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Great emergency service. We had an issue where we needed to get insurance to a town in order to resolve a permit issue and avoid a $500 fine. Downey Insurance came through with the necessary paperwork to get the job done in just two hours. Great job!
Brianna McGrath
Jan 24, 2016
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Downey Insurance is absolutely phenomenal. Who can say they love interacting with their insurance representative? I can! Kimberly, along with all of the employees at Downey, are caring and attentive. You do not feel like a number and you are seen as an individual there, which is rare in this rushed world. I would recommend Downey Insurance to anyone, without reservation; it has been a pleasure conducting business with them and I will continue to use and trust them.
