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You Can WIN With Waters

Innovation Driving Change In the Insurance Industry

The insurance industry is changing, and at Waters Insurance Network, we are on the leading edge of the systematic and programmatic advancements that are driving the industry forward.

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About Waters Insurance Network

Industry Pioneers

The insurance industry is on the verge of a monumental shift. We’re leading the charge to drive innovative new methodologies that are enhancing the way coverage is provided.

Service Driven

At Waters, we’re driven by providing exceptional service to our communities and clients alike. Our experienced team knows how to get you what you need, at a price you can afford.

Power In Numbers

Our partnerships mean additional access and bargaining power working on your behalf. From industry leaders to product specialists, if you need modern insurance, you’ll WIN with us.

Featured Solutions 

Parametrix Insurance

Automated Downtime Coverage That Pays Without Prompting

Your business relies on IT services like cloud computing, payment gateways, e-commerce platforms, the internet, and more. If any one of these services goes down, your revenue model is interrupted and you lose money. Current downtime insurance programs are heavily restrictive, and proving loss is nearly impossible. It may take you years of battling with an insurance company to collect what is owed to you. 

With Parametrix Insurance coverage, we automatically monitor the services that you rely on, and if an interruption occurs that meets the agreed-upon threshold in your contract, we notify you and send payment immediately.

No claims. No Waiting. No lost time.


Revolutionizing How the World Cleans

Aqueous ozone (AO) is a product of nature that is produced when regular water and air become electrically charged. This electrical charge creates one of the most powerful oxidizers on the planet – and we’ve harnessed it to revolutionize the way people sanitize, deodorize and clean spaces.

When produced by either nature or an onsite generation device, like Enozo products, aqueous ozone is a less toxic alternative to other multi-purpose cleaners. This means fewer hazards for you, and those around you.

No chemical exposure. No virus left behind.

SafeHerb Insurance

Insurance For the Quickly Growing Cannabis Industry

The Cannabis industry has exploded across the United States with many states passing measures to legalize the plant for both medicinal and recreational purposes. In 2021 a vast majority of the nation has access to cannabis in some form, though the federal government is still contemplating a sweeping motion that would legalize the plant across the country.

SafeHerb provides high-quality seed-to-sale commercial coverage for cannabis businesses across the United States. From cultivating facilities to dispensaries, we’ve got you covered for general liability, product liability, crop coverage, cargo coverage, and more.

Grow your cannabis business knowing you are protected.

Our Leadership Team

Tod O'Dowd

Tod O'Dowd

Owner, Avery Insurance

Tom Vocatura

Tom Vocatura

Owner, Charles River Insurance

Gerry Kennedy

Gerry Kennedy

Owner, Charles River Insurance

Our Agency Partners

Avery Insurance

Life can be complicated but protecting the things that matter doesn’t have to be. For more than 120 years, Avery has been a trusted insurance source for families and businesses alike. By using a consultative approach we uncover areas of vulnerability so our clients can sleep at night.

Charles River Insurance

Insurance can be confusing and if you aren’t well versed in the terminology it is easy to overspend on coverage. At Charles River Insurance we have developed an extensive network of partnerships that enables us to provide the top coverages available at the best price on the market.

Waters Insurance Network

At Water’s Insurance Network, our success is built on centuries of experience in the insurance industry. We understand the challenges our partners and their customers face. And we’re here to help them WIN – every step of the way.

At the core of our success is a management team specifically dedicated to your success. Meet them here, or click to learn more.

Tod O'Dowd

Tom Vocatura

Gerry Kennedy

Parametrix Insurance

Automated downtime coverage for the 21st-century business.

SafeHerb Insurance

Cannabis & Hemp insurance for America’s fastest “growing” industry.


Aqueous ozone generation for modern, green cleaning that really keeps you safe.


5 Whittier Street
4th Floor
Framingham, MA  01701

321 Lunenburg Street
Fitchburg, MA 01420

New Hampshire

21 S. Main Street
Wolfeboro, NH  03801 

7 Islington Street
Portsmouth, NH  03801


217 Cedar Street, #271
Sandpoint, Idaho  83864