We are a Professional Insurance Agency located in North Andover, Massachusetts.  We have been serving both individual and business clients throughout the Merrimack Valley region for over 50 years.  We pride ourselves on our strong community ties and our unswerving dedication to customer service. Our client-centered and relationship-oriented reputation is unsurpassed and well-deserved.  We have staff in a number of specialized areas, including:

Commercial Auto & Truckers Insurance - Our commercial automobile insurance packages cover vehicles used for business purposes including: business-owned private passenger vehicles, trucks, and fleets of vehicles.

Business Owners Insurance - Michaud, Rowe & Ruscak offers complete and competitive programs for Businesses in Massachusetts, New Hampshire, Maine, and Rhode Island. . Equipment Breakdown coverage and a wide range of additional coverage is available.

Contractors Liability Insurance - We handle all types of contractors ranging from small trade contractors to large multi-state contractors, including general liability, workers compensation, contractors equipment, bonds, etc.

Commercial Package Policies - For larger or more specialized businesses, Michaud, Rowe and Ruscak offers Commercial Package Policies which can cover Property, Liability, Crime and Inland Marine. Like the Business Owners Policy, Equipment Breakdown can also be included as part of property coverage.

Commercial Umbrella - As a companion to our Commercial Automobile, Business Owners Policy, and Commercial Package Policy, Michaud, Rowe, and Ruscak has an umbrella product available for qualifying accounts.

Group Health and Life Insurance - Michaud, Rowe and Ruscak offers several Group Health and Life insurance programs for the self employed, small and medium sized businesses, as well as large corporations based in New England.

Also ask about our Workers Compensation Programs, Bonds, and other commercial insurance products available.