About Us

D&O Difference

D&O strives to do what is best for you. You can rely on us to provide the ongoing support and service you deserve-and expect. Our objective is to secure the most competitive premiums for our clients, without sacrificing value and long-term stability.

Our Story

In 2016, two-like minded insurance firms-Dowling & O’Neil Insurance Agency and the Hilb Group, merged. The combined company is a leading provider of insurance and risk management consulting services, and one of the top 100 insurance brokers in the United States. The union of these two companies has produced a dynamic organization that offers enhanced products, services and value-and even greater opportunities for clients. The Hilb Group team is committed to your future success and will work closely with you to develop custom solutions that proactively address your evolving needs. The Hilb’s Professionals stand ready to help you to thrive in today’s competitive and ever changing business environment.

Management Team

Joseph Carig

Joseph Carig

CIC, Agency President / Managing Director

Mr. Carig has been with Dowling & O’Neil for over 13 years. Mr. Carig started his insurance career in 1988 overseeing both personal and commercial lines underwriting and claims with both CNA and Encompass Insurance Company. In 2000 Mr. Carig was hired by AIG/Lexington as the Surplus Lines Manager for their National Branch. There he concentrated on writing high-end homeowners throughout the country. In 2002 Mr. Carig wanted to be closer to home and became the Agency Manager of a local independent agency in Norwell. Five years later he joined Dowling & O’Neil as Vice President. Mr. Carig’s current book of business includes medical offices, restaurants, auto repair & service, habitational and contractor accounts among others. He is a graduate of The University of Massachusetts and also holds the Certified Insurance Counselor Designation.

Mark S. McCartin

Mark S. McCartin

CIC, Regional Vice President

Since graduating from Villanova University, Mr. McCartin began his insurance career in 1992 as a commercial lines producer. Over the last twenty eight years as a broker, Mr. McCartin has developed an expertise in many areas including public entities, contractors (including bonding), habitational, hospitality, and High Net Worth risk management programs. He has served as a Director and/or Chairman for various boards which include the Hyannis Area Chamber of Commerce and the Cape and Islands United Way among others. Mr. McCartin holds the Certified Insurance Counselor insurance designation and is a Licensed Broker in the Commonwealth of Massachusetts.

What Our Clients Think Of Us