Business Details
50+ Years
experience
Your Trusted Insurance Partner in Lowell, MA
Thaddeus T. Kosciolek Insurance Agency has served the Greater Lowell and Massachusetts area since 1932, providing comprehensive insurance solutions tailored to individual and business needs. Our decades of experience in property, casualty, and life insurance allow us to offer affordable, customized policies that align with clients' unique requirements. We prioritize understanding local market trends and regulatory standards to ensure our clients receive optimal coverage. Our team of dedicated professionals works diligently to secure the best insurance options, from auto and homeowners policies to commercial liability and workers' compensation.With a legacy spanning over 80 years, we remain committed to transparency, personalized service, and long-term client relationships. Our agency represents multiple insurance providers, enabling us to offer competitive rates and diverse coverage options. We pride ourselves on staying current with industry developments to maintain our reputation as a trusted insurance partner in the community.
Services
Auto Insurance
Homeowners Insurance
Commercial Auto
Workers Compensation
Umbrella Policies
Boat Insurance
Condo Insurance
Vacant Property Insurance
RV Insurance
Business Liability
Details
- Year established: 1932
Highlights and features
- Over 80 years of experience in insurance
- Personalized policy solutions for individuals and businesses
- Deep understanding of local Massachusetts insurance requirements
- Committed to transparency and client satisfaction
- Affordable rates tailored to client needs
Associations and certifications
- Better Business Bureau
Services
Auto Insurance
We provide comprehensive auto insurance policies tailored to individual drivers and commercial fleets. Our coverage options include liability protection, collision coverage, and uninsured motorist benefits. With decades of experience, we help clients secure affordable rates while ensuring compliance with Massachusetts state requirements.
Homeowners Insurance
Our homeowners insurance policies protect residential properties against risks like fire, theft, and natural disasters. We offer customizable coverage for primary residences, condos, and vacant properties. Our team ensures policies meet local building codes and provide adequate protection for clients' valuable assets.
Workers Compensation
We specialize in workers' compensation insurance for Massachusetts businesses. Our policies cover medical expenses and lost wages for employees injured on the job. We help employers navigate state-mandated requirements while minimizing operational risks through tailored insurance solutions.
Commercial Liability
Our commercial liability insurance protects businesses from financial losses due to property damage, bodily injury, or legal claims. We serve diverse industries, offering policies that cover general liability, product liability, and professional errors. Our expertise ensures businesses maintain adequate protection against operational risks.
Umbrella Policies
We offer umbrella insurance policies that provide additional liability coverage beyond standard auto or homeowners policies. These plans protect clients from catastrophic losses and legal judgments exceeding primary policy limits. Our team helps clients assess risk exposure to determine appropriate coverage amounts.
People
Paul T. Kosciolek
Agency Manager
Paul T. Kosciolek has managed the agency since 1972, continuing his father's legacy of providing personalized insurance solutions to Greater Lowell residents and businesses.
Vivian Merrill
Insurance Professional
Vivian Merrill has served the agency since 1999, bringing prior experience from Aetna Life and Casualty. She specializes in property and casualty policies for personal and business clients.
Questions
What types of insurance do you offer?
We provide auto, homeowners, commercial auto, workers' compensation, umbrella policies, boat insurance, and business liability coverage for clients in Massachusetts.
How can I get a personalized insurance quote?
Contact us at (978) 458-6032 or fill out our online form to schedule a consultation. Our team will assess your needs and recommend tailored insurance solutions.
Do you serve businesses outside the Greater Lowell area?
While our office is in Lowell, we provide insurance services to clients throughout Massachusetts, including commercial and residential policyholders.
How does your agency find competitive insurance rates?
We represent multiple insurance carriers, allowing us to compare policies and pricing to find the most cost-effective coverage options for your specific needs.
What should I do in case of an insurance claim?
Contact our office during business hours at (978) 458-6032. We'll guide you through the claims process and work with your insurer to resolve the matter efficiently.
