A Brief History

In 2011, three companies were looking for a more efficient and profitable way to address our clients’ diverse insurance requirements. Leaders in their own right, the agencies understood each could go even farther by pooling resources. That’s when we set out to form WIN (Water’s Insurance Network).

The founding members include leading agencies across Massachusetts and New Hampshire, including:

Avery Insurance:

Avery Insurance, a full service Independent Insurance Agency located in Portsmouth and Wolfeboro NH, was founded in 1899. Tod O’Dowd, now 4th generation owner, oversees the operations which include providing risk protection for business and personal lines clients throughout NH, ME, VT, MA and beyond.


Charles River Insurance:

Charles River Insurance is a full service Commercial and Personal Lines insurance agency. Established in 1998 by principles Gerry Kennedy & Tom Vocatura, we began our journey as an independent insurance agency out of a farmhouse in Sherborn, MA and have grown our network into one of the largest in New England. We haven’t looked back since.


G. H. Dunn Insurance Agency:

G. H. Dunn Insurance Agency was founded in 1927. A local independent insurance agency, G. H. Dunn operates three locations on Cape Cod, MA. Dunn services clients throughout MA, RI, Metro Boston and the Islands of Martha’s Vineyard, Nantucket and Cuttyhunk. David Dunn is the current president and 3rd generation owner.


Our collective resources empower partners with the value of a combined Water’s team – helping to penetrate new markets, build revenue and better meet customer requirements.

Whether you’re a client or partner, Water’s is committed to helping you thrive and survive in this competitive marketplace.