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life, and health, for personal and. Dowd Insurance Agency With over a century of experience in Welch western Massachusetts insurance, The Dowd Agencies offers personal insurance, business insurance, employee benefits and King-Ferry planning. M Bacal Group Insurance Broker Life & Group Insurance M Bacal Group ensures your financial security, through careful and professional insurance planning. We are a Montreal family business for overyears. Ratings Hallowell Insurance and Fort-Plain Employee Benefits , Black-River Inc. and Subsidiaries. , Inc. and its subsidiaries have obtained financial strength and/or credit ratings from various rating agencies.