Trusted Partners for Complete Personal and Commercial Insurance Coverage

Make sure you have the right insurance coverage across all of your personal and commercial policies. We help you protect the life you’ve built and the people you love.

Personalized Service

Honest Advice

Unparalleled Expertise

Are you worried about gaps in your insurance coverage?

Managing multiple insurance policies can be overwhelming. It’s easy to overlook essential protections or pay for unnecessary coverage. Without expert guidance, you might not even realize the risks you’re facing until it’s too late.

You shouldn't have to wonder if you have the right policies in place.

We believe an insurance broker’s most important job is to be an advocate for your protection and peace of mind.

Building Trusted Relationships Since 1909

J.J. Ruddy is more than an insurance agency; we are partners in protecting your future.

As a fourth-generation, family-owned business, we’ve spent more than 115 years advocating for our clients’ best interests. Clients stay with us for decades and introduce their children and grandchildren to us because they know we care.

Specializing in Comprehensive Coverage for All of Your Personal and Commercial Policies

We are trusted with our region’s most complex portfolios because of our highly-personalized, responsive service and the unique advantages we bring to the table. . .

Independent Broker

As an independent broker, we recommend the best insurance carriers and policy terms for your situation.

Trusted Relationships

We've spent decades building connections that help us get things done for our clients that others can't.

Risk Management Experts

We help you identify unmitigated risks, plan ahead, and prevent losses before they even happen.

We partner with the nation's leading carriers while maintaining our independence as a brokerage, allowing us to recommend the best insurance solutions for your unique needs.

Hear what our valued clients have to say. . .

As a fourth-generation, family-owned business, we’ve spent more than 115 years advocating for our clients’ best interests. Clients stay with us for decades and introduce their children and grandchildren to us because they know we care.

Hear what our valued clients have to say. . .

"I have worked with J.J. Ruddy on dozens of high-end projects in Boston. No one does it better. Whether it's a brownstone reno or a 50-unit building with retail, I just need to make one call. John's quick response allows me to focus on other aspects of the project. He connects with lenders and my team to discuss contract language and protect our investment. From ground break to turning over the keys, John's expertise makes him a valuable partner."
Dennis Kanin
New Boston Ventures
“J.J. Ruddy is my personal agent, but also the agent for master insurance policies for buildings in which I own rental units. I’ve been doing business with them for a very long time. I was impressed by the personal attention and the willingness to explain different options and tradeoffs, as well as advice based on my specific situation and needs. I don’t have to worry about having sufficient coverage, or that I will have someone advocating for me in the event of a claim.”
Will Kohler
“When I initially started with J.J. Ruddy, it was through Ed’s dad (I also tend to always use a family business wherever I can). I got to know Ed better and still insure everything we own through him. Houses, boats, vehicles, umbrella insurance etc. Over the past 35 years working together, they have never let me down. I’ve stayed with them and insured everything through them because of their service, trust, knowledge, and their ‘nothing is too much trouble’ attitude.”
Mark Carzo
“J.J. Ruddy took the time to get to know my business and uncovered a lot of coverage issues that needed to be addressed. They were super responsive, upfront, and honest with their advice and advocated for the best program and rates. Without them, I’d still be second guessing whether I had the right coverage and the right representation. You have everything to gain by working with them.”
Mike Sullivan
Owner of Trident Management
“We had been with another insurance company and realized significant savings in our first year of switching to J.J. Ruddy. They provide a next level of service every time you call with any concern, which is hard to find. I strongly believe in relationships in business, and I feel I have that with J.J. Ruddy. From one 100-year-old company to another, service is everything, and I appreciate the excellent service J.J. Ruddy provides for both personal and commercial coverage.”
Steve Bonnell
President of Bonnell Ford
“I’ve never felt like you’re trying to sell me coverage I don’t really need. I feel like I can trust your agency to have an honest conversation about how to handle something - and that you truly have what’s in the best interest of AHMS at heart.”
Craig LeBlanc
President & General Manager of Allen Harbor Marine Service

Coverage without Compromise Guarantee

Our name, and our family’s legacy, is on every policy we write. We simply will not write a policy that leaves you with inadequate coverage.

Insurance Coverage Tailored to Your Life

Auto
Insurance

Get comprehensive coverage that protects you and your family on the road while ensuring there are no gaps in your protection.

Homeowner’s
Insurance

Safeguard your home, belongings, and future with personalized coverage that accounts for all potential risks.

Commercial
Lines

Protect your business with tailored coverage solutions that address your industry's unique challenges and risks.

Specialty
Coverage

Protect your recreational vehicles and valuable assets through personalized coverage options that fit your unique lifestyle.

Umbrella
Coverage

Get additional liability coverage that extends beyond your standard policy limits for complete peace of mind.

Risk
Management

Commercial-grade risk analysis is integrated into every policy we write, helping identify and prevent potential losses across your entire insurance portfolio.

Auto
Insurance

Get comprehensive coverage that protects you and your family on the road while ensuring no gaps in your protection.

Homeowner’s
Insurance

Safeguard your home, belongings, and future with personalized coverage that accounts for all potential risks.

Commercial
Lines

Protect your business with tailored coverage solutions that address your industry's unique challenges and risks.

Specialty
Coverage

Protect your recreational vehicles and valuable assets through personalized coverage options that fit your unique lifestyle.

Umbrella
Coverage

Get additional liability coverage that extends beyond your standard policy limits for complete peace of mind.

Risk
Management

Commercial-grade risk analysis is integrated into every policy we write, helping identify and prevent potential losses across your entire insurance portfolio.

Here’s how you find confidence in your coverage.

1

Policy Review

Share your current policies with us so we can perform an in-depth audit, find the holes in your coverage, and develop personalized solutions for your insurance portfolio.

2

Quote Review

Once all of your insurance quotes are complete, we meet to walk you through your options and answer all of your questions.

3

Complete Coverage

You gain full protection of your personal and commercial assets and a long-term, trusted partner in keeping it that way!

The Top 5 Mistakes People Make that Create Gaps in Coverage

No one wants to discover they’re not covered when it matters most. In this free guide, we reveal the common coverage mistakes we’ve seen over our 115 years of protecting families and businesses.

Learn how to identify hidden gaps in your insurance portfolio and ensure you’re fully protected.

Download form

Specializing in Comprehensive Coverage for All of Your Personal and Commercial Policies

From here on, you’ll always know where to turn with questions about coverage. Rest assured, we’ll do everything we can to make sure you never have to hear the words,
“You’re not covered for that.”

Find Confidence

that you have the proper coverage and pricing in place.

Feel Supported

by a team that goes the extra mile to protect your future.

Gain an Advocate

who defends your best interests with insurance carriers.

John A. Hackett, Jr., CIC

John Hackett, Jr. leads J.J. Ruddy Insurance as President, overseeing commercial lines with the same commitment to advocacy that has defined the agency for over 115 years. A Saint Anselm College graduate with his Certified Insurance Counselor (CIC) designation, John excels at identifying gaps in coverage and solving complex insurance challenges.

His analytical approach has made meaningful differences for countless clients across all types of industries.  From small businesses to real estate developers and municipalities, John finds the holes in insurance programs and develops comprehensive solutions that address all kinds of loss exposure. He has guided businesses through complex risk analysis and contractual requirements—exemplifying his belief that “advocacy is a crucial part of the trusted partner relationship.”

John constantly updates his industry knowledge through ongoing education and close relationships with carriers, enabling proactive risk management strategies that prevent losses before they occur. His leadership extends beyond J.J. Ruddy having served on the Agency Advisory Council for Travelers Insurance and many other carrier leadership groups.

Following his family’s tradition of community involvement, John has been an active Rotary member for over 30 years as Past President and Paul Harris Fellow while also serving on the Hallmark Health Risk Management Committee and coaching youth sports in Andover. When not advocating for clients, John enjoys skiing, golfing, and time with his wife Amy and their two children.

Edward P. Hackett, CRM, CPRM, CIC, CISR

As Vice President of J.J. Ruddy Insurance, Ed overseas Personal Lines and agency operations with a focus on building trusted client relationships. His degrees from Providence College and Bentley University, combined with is professional designations like CRM, CPRM, CIC and CISR bring a unique perspective to service standards, risk management, and client advocacy.

Ed’s approach to insurance combines risk management, analytics, and practical solutions personalized to each individual client relationship. He regularly identifies coverage gaps, develops strategies for complex client needs, and negotiates effectively with carriers to deliver comprehensive insurance plans. His commitment to ongoing education through multiple professional designations ensures clients receive current, relevant advice addressing both traditional and emerging risks.

Inspired by his father’s example, Ed is committed to giving back to the community—coaching Reading Youth Hockey for 15 years, serving on the Hallmark Health Audit and Compliance Committee, and holding multiple roles with Medford Rotary. His Paul Harris Fellow recognition honors his deep commitment to the communities J.J. Ruddy has served since 1909.

Ed carries forward the agency’s legacy with a clear sense of purpose: “We stand on the shoulders of the generations before us. That might seem like a lot of pressure, but really, it’s an opportunity to be part of something special.” Outside of work, Ed enjoys time with his wife, Kathy, trying to keep up with their four children and he is always looking for the next home improvement project.