Benson, Young and Downs

Who we serve

We provide insurance solutions for:

• Individuals and families
• Businesses of many types and sizes
• Governmental groups
• Civic associations

Our clients are primarily located on Cape Cod and in surrounding coastal communities, from the bridges to Provincetown and everything in between.

How we work

• We are an independent agency, meaning we work with multiple insurance companies rather than representing just one.
• For each client, we ask detailed questions, listen carefully, and pay close attention to the specifics of their situation.
• We analyze risk exposures and then recommend cost-effective insurance protection tailored to those risks.

Our commitment

• Longstanding local presence on Cape Cod since 1902
• Focus on building and sustaining long-term relationships
• Emphasis on timely, friendly, and attentive service
• Commitment to the betterment of the communities where we and our clients live and work

Service philosophy

• We prioritize the needs and interests of our clients above all else.
• We ask thoughtful questions and listen carefully to understand each client's situation.
• We provide guidance to help clients make informed decisions about their insurance.
• We aim to deliver fast, friendly, and responsive service.

Core values

The agency's stated core values are:

• Knowledge – Ongoing education and training so our team stays informed about insurance products and trends.
• Integrity – Doing what is in the best interest of our clients.
• Respect – Listening and acting with empathy and humility in service to others.
• Excellence – Striving to meet or exceed the goals and objectives we encounter.
• Accountability – Taking responsibility for our words and actions and following through on commitments.
• Honesty – Telling the truth so clients can trust the information and advice they receive.

These values guide how we interact with clients, colleagues, and the communities we serve.

Approach to business insurance

• We analyze each business's specific risk exposures to develop a clear picture of its needs.
• We listen carefully to your concerns and goals.
• We recommend cost-effective insurance programs tailored to your risks.

Common business insurance coverages

Coverage options described on our website include:

• Business owners policies (BOP) – packaged coverage for many small and midsize businesses.
• General liability – protection against many third-party liability claims (as described in our business insurance overview).
• Commercial auto – coverage for vehicles used in your business.
• Property insurance – coverage for buildings, equipment, and other physical assets.
• Builders risk – coverage for buildings under construction or major renovation.
• Umbrella liability – additional liability limits above primary policies.
• Flood insurance – protection for certain water-related losses not covered by standard property policies.
• Liquor liability – coverage for eligible businesses that manufacture, sell, or serve alcohol.
• Marine insurance – coverage for certain marine-related property and risks.
• Workers' compensation – coverage for work-related injuries and illnesses as required by law.

Getting a business insurance quote

• You can request a quote using the "Get a Quote" option on our website.
• You may also contact any of our offices by phone or email for assistance with business insurance questions.

Lists Young as a location. Areas beyond these are not published.

• Website contact form: Available on the "Contact Us" page for general questions.
• General email: insure@byandd.com

Phone and fax

The following phone numbers are published on our website:

• 508-487-0500 – listed as a primary phone number.
• 508-487-4135 – appears as both a fax number and a general office contact number.

If you are unsure which number to use, either can be used to reach the agency, and our team will direct your call appropriately.

Office locations

We have three Cape Cod office locations.

Provincetown Office

• 56 Howland Street
• PO Box 559
• Provincetown, MA 02657

Wellfleet Office

• 15 Briar Lane
• PO Box 717
• Wellfleet, MA 02667

Harwich Port Office

• 565A Route 28
• PO Box 158
• Harwich Port, MA 02646

Office hours

• All offices: Monday–Friday, 8:00 AM – 4:00 PM

If you contact us outside business hours, you can leave a message or use the website contact form, and a team member will follow up during office hours.

Workplace culture

• Team-oriented, collaborative environment with open communication and mutual support.
• Focus on serving clients while also supporting colleagues.
• Commitment to building a diverse and inclusive workforce that reflects the communities the agency serves.

Type of work

• Providing insurance guidance and service to individuals, families, and businesses.
• Helping clients protect what matters most to them through appropriate insurance coverage.

Professional growth and work–life balance

• Ongoing training, mentorship, and professional development opportunities.
• Opportunities for advancement within the agency.
• Emphasis on healthy work–life balance, with flexible arrangements including hybrid and remote work options where appropriate.

Compensation and benefits

As described on the website, the agency offers:

• Competitive salaries with a performance incentive program.
• A comprehensive benefits package, including health insurance, a retirement savings plan, paid time off, and other benefits.

Finding open positions

• Current job openings are listed through the Careers section of the Benson, Young and Downs website.
• Prospective applicants should review the online job listings for details on specific roles and application instructions.

Ask anyway — the agent will say plainly that it is not published rather than guess.