flexible spending account

Give Employees a Raise With a Flexible Spending Account

Flexible Spending Accounts (FSA) give employees the opportunity to pay for eligible health, dental, vision, dependent care, and commuting expenses with pre-tax income. Your company administers this valuable benefit at absolutely no cost to employees.

A Hilb Group FSA provides each employee with The SmartFlex Card™ card – essentially a MasterCard© debit card they can swipe to pay for services. We’ll pay the vendor directly each month from your FSA account.

You’ll never need to pay cash for services, fill out claim forms or wait for reimbursement. You will also save more on Federal Insurance Contributions Act taxes than Hilb Group’s monthly administrative fee for this popular service.

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What Our Clients Think Of Us

Scott Gladish

Cape & Islands Glass, Inc.

Cape & Islands Glass considers Dowling & O'Neil to be a strategic partner in sourcing our business insurance. They shop carriers every year, and on more than one occasion they have saved me several thousands of dollars in premium. John Curley and his team provide the professional and knowledgeable service every business needs. They have also exceeded my expectations insuring my commercial properties and my residence.

Jamie Hazard

East Boston Neighborhood Health Center

Dowling & O'Neil consistently rises to the occasion to support EBNHC's needs. It's rare to find an insurance company that is well-versed in the health care industry and committed to world class customer service - Kelly and team check both of those boxes. we greatly appreciate their partnership and support.

Brian Droney

Homeowner

I recently worked with Dowling & O’Neil to setup my new homeowners and car insurance policies. Michael Duffley made the entire process seamless, and the quotes/rates he provided me with were extremely competitive. His team was very responsive to my needs and offered great advice throughout the entire process. I’d strongly recommend Dowling & O’Neill to anyone in need of an insurance policy.

Dick Fairbanks

Dowling and O’Neil has helped us manage our risks in our business interests, our commercial real estate and our personal residences. John Curley has taken a genuine interest in each of our projects and is often one step ahead of us when our needs change.

Maire Kelly

Cape Cod Oceanview Realty

The measure of a good insurance agency is the quality of its agents, and I put my trust in Dowling & O'Neil due to my dealings with John Curley. I refer all of my real estate clients to John and consistently receive feedback highlighting his honesty, responsiveness, knowledge, and integrity. With the breadth and quality of products offered by D&O, John ensures that my clients get the right coverage for their needs at the best possible price. As a Realtor, the caliber of my business partners is essential to my own success, which is why John and Dowling & O'Neil are at the top of my trusted partners list.

Richard K. Bendetson

Diversified Funding, Inc.

Dowling & O’Neil has brought outstanding professionalism to our insurance needs ; both personal as well as business. John Curley is attentive to detail. He is always available and is caring and thoughtful in his approach ! I know that he treat us as a friend .John strives for his solutions to first work for us!!

Samantha Bendentson

Diversified Funding Inc.

John Curley and his team have been a tremendous addition to our team. They are knowledgeable, strong advisors and offer superb customer service that we can unequivocally rely on. There is a level of customer service not often found. We know we have a partner we can trust.

Jason & Ali O’Toole

Pizza Barbone

It’s not too often that someone can say they love their insurance agency/agents… we are so thankful to be able to say that we do!! Gretchen Murphy and Caitlin Regan have been so amazing to work with since day one. We only wish that day one had been even sooner for us with them! They both honor their word and are super-efficient and detail oriented. And on top of all of it, they are lovely human beings and just so kind. We couldn’t imagine operating our business without them as our insurance agents now and we plan to have a long standing relationship with DOINS!

Dan Pulit

Cape Cod Five Cents Savings Bank

I’ve worked with Kurt Kross for over a decade with mutual clients. The efficiency is second to none. It is a pleasure dealing with Kurt and Dowling & O’Neil.

Alan M. Davis

Cape Cod Creamery

I have had the pleasure of doing business with Dowling & O'Neil for several years and could not be more pleased. Joe Carig and his team are always available to talk to and get the answers back to me extremely quickly. I do all of my business and personal insurance with them and have recommended them to several of my business friends. Dowling &O'Neil have allowed me to concentrate on the running of my business and not worrying about the insurance side of my business

Steve Jenney

Oceanside Restoration Inc.

I have been working with Dowling & O'Neil for a while now and I must say they are extremely knowledgeable and always get back to me quickly with the answers to my questions regarding my business and homeowners policies. Their attention to detail at yearly insurance renewals is comforting as a business owner. I highly recommend Dowling & O’Neil for all your insurance needs.

Chris Joyce

The Joyce Companies

Dowling & O’Neil/The Hilb Group has been my insurance broker for my business and personal insurance needs since before I can remember. I have grown to rely on them to make sure I’m protected as my business and my personal life grow. They’ve always been there when I need them and that matters most to me.

Cazeault & Sons Inc.

Dowling & O’Neil is the most qualified agency around. Early on I was misled into buying a policy from another company thinking I was saving money but ended paying more and getting charged additional cost in the end by the carrier. I’ve since learned that it’s important to have someone you can trust in your corner who can help you navigate the complex world of insurance. I can count on Joe Carig and his team to make sure I have the right coverage at a fair price.

Briggs Landscape Construction

Briggs Landscape Construction switched from our long time insurance agency to Dowling and O’Neil about two years ago. We have found Dowling and O’Neil, and especially Gretchen Murphy, to be professional, responsive, informative and pro-active at every opportunity. Gretchen is quick to respond to phone calls or emails. On the rare occasion that Gretchen doesn’t have an answer, we rely on her to provide an answer and advise us. We are impressed with the knowledge and the above and beyond service we receive. Due to our initial experience, we subsequently transferred our health insurance to Dowling & O’Neil. We highly recommend Dowling and O’Neil and Gretchen Murphy.

Brian Mark

CMS Landscape

Dowling & O’Neil provides me piece of mind running my business. I know that John Curley and his team is there day or night to help me with any insurance concerns that may occur. They are a constant source of knowledge and support for my business and always has my best interests in mind.

Vicki Shaw

Shaw Woodworking Inc.

Always delivering the highest standard of service! With Gretchen Murphy at the lead: she is quick to respond, very professional, extremely knowledgeable, and always makes sure we are educated and completely satisfied with the best choices out there. And then once again during the time of COVID 19 – we had the information we needed through email updates and an informative webinar in a timely fashion. We are most happy with our long-term relationship for all our business and personal needs. The team at Dowling and O’Neill gets it done!

Sandra Cotterell

Codman Square Health Center

Kelly and the Dowling & O’Neil team have provided excellent service to Codman Square Health Center for many years. They have great knowledge of our business and community health centers in general, are always willing to partner with the Hilb Group to support us and our events, and their customer service is unmatched – responding quickly to our needs. We are pleased to be a client!