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We are excited to announce that Cowan Insurance Agency has joined the Duffy Family of Insurance Agencies! Our office and the Cowan team is now located at 191 Pawtucket Blvd. Lowell, MA 01854. Office Hours: Mon-Thurs 8-4 and Friday 8-3.

Business Insurance

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Comprehensive Business Insurance for Companies in MA and NH

Business insurance for your business can be a nightmare. No two businesses are ever alike. At Cowan Insurance Agency, Inc. our Commercial Lines specialists not only tailor a policy to fit your business’s needs, but also work diligently with you to avoid unnecessary exposures.

We offer the following Business Insurance products:

Worker’s Compensation Insurance

Our insurance companies offer extremely competitive rates and payment plans. Often, we can save our customers 10% or more on their worker’s compensation insurance and offer a free monthly payment plan. Best of all, applying for a quotation is simple. To quote your account, all we need are your classifications and payroll, loss runs for the past four years, a brief business description and your Federal Employer Identification Number. Learn More

Property Insurance

We not only competitively insure the large property risks (up to $200,000,000 at any location), but also have outstanding programs for small businesses. Our Business Owners Policy (BOP) rates are hard to beat. Learn More

Commercial Auto Insurance

Commercial Automobile Insurance is often one of the more expensive parts of a business’ insurance program. Due to the large number of companies we represent, we can fit you in with the right company at the right price.  Learn More

Liability Insurance

We offer some of the lowest General Liability rates available anywhere. Our contractors program has a low minimum premium of $500. Usually difficult to place contractors, such as roofers, are no problem for us. Learn More

Builder’s Risk Insurance

We now have available builder’s risk policies for immediate issue. With rates as lows as .25/$100 coverage (subject to a minimum premium of $375), we can now cover new home and commercial construction projects as well as renovation projects. Better yet, we can often complete the application and provide a firm quotation instantaneously! We require no lengthy application, and no pre-approval from underwriting in most cases. Learn More

Bond Insurance

We now have authority for immediate issuance of most probate, guardianship and license and permit bonds. Generally the bond can be issued during a brief interview over the phone. Contractors Bonds (bid and performance) up to $100,000 can also be issued instantaneously, and setting up an account for $200,000/$400,000 bonding capacity is quick and easy. Learn More

For further information, or to receive a free, no obligation quote, please contact us today!