Contact Us

 4 Punchard Avenue
Andover, MA 01810
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Contact us by email

Contact us by phone
Direct  978.475.0400
Fax  978.475.2171
Toll Free  888-howeins  (888) 469-3467

Hours of Operation
M-F 8:30am to 5:00pm


Our People

Stephen Gruenberg, President,

Stephen was born and raised in Chicago, IL. where he grew up an avid Cubs fan. After graduating from Proviso East High School (Doc Rivers’ alma mater) he joined the United States Marine Corp Reserves where he served for eight years. In 1992 he obtained his B.S. from Illinois State University and moved to Boston.
In 1998 Stephen began his insurance career at Howe Insurance. He has attended Commercial Union’s insurance school and obtained his CIC designation. As President of Howe Insurance, Stephen is responsible for setting the vision, goals and direction of the agency. He is the Past- President and current member of The Service Club of Andover; is a ten year member of the Lawrence Rotary Club; served on the Board of Directors for Andover Youth Foundation and Andover Little League; and has coached many seasons of youth baseball and basketball.

Stephen resides in Andover, MA along with his wife Beth and three boys. In his spare time, he enjoys playing golf and trying to convert his boys to Chicago Cubs, Bears and Bulls fans; all of his Bostonian friends, especially his wife, wish him well in the fruitless endeavor!


David Louis, Vice President/Chief Operating Officer,

David is a native of Erie, PA. He bleeds Penn State Blue and White due to his accumulation of class credits and fortunate graduation in 1989. David began his career with a national insurance carrier in 1997 after spending several years practicing for retirement in Sun Valley, Idaho.

David started with Howe Insurance in 1999. He has earned the CIC designation and as COO he is responsible for operations, customer relationships and agency growth. David is active in the community as a board member of the Merrimack Valley YMCA, Past-President of the Kiwanis Club of Greater Lawrence, a youth sports coach, and has been a youth mentor at Family Service, Inc.

David lives in North Andover with his wife, Lori Howe, their two sons, Simon and Duncan and their dog Patch. Besides family time, David enjoys triathlons, skiing, golf, live music and being outdoors.


Tina Grange,

Tina grew up in Andover, graduated from Andover High School, and moved to Methuen in 1982 where she raised her four children. Tina began working in the I insurance industry as a part time job while in high school in 1974 and has worked in insurance ever since. Tina has been with Howe for 21 years, during which time she took a short leave to raise her children. Tina spends her spare time attending youth sport events, where her children have participated and excelled. Her children now grown, she spends much time supporting the teams they now coach.


Tom Hajj, Vice President, Sales,

A lifelong resident of the Merrimack Valley, Tom and his wife Valerie live in Methuen where they raised their three sons Tommy, Jeff and Sam.     Tom is a graduate of the Andover Public Schools and received is Bachelor’s Degree from Salem State College. After five years with a national insurance company, Tom came to the Howe Insurance in 1986. He has spent much of these years coaching youth sports, and serving as a Board Member of the Merrimack Valley YMCA. A sports trivia enthusiast, Tom is a two time champion of the ESPN Club on the Boardwalks’ trivia contest.


Maureen LaRivee,

Maureen grew up in both Lawrence and Methuen, MA. She graduated from Lawrence High School in 1971 and received her Associate’s Degree from Northern Essex Community. After working for a few local businesses, Maureen began both her career in insurance, and her career with the Howe Insurance Agency, in 1977. She is a licensed producer and has earned both the CISR and CPIW designations. Maureen lives in Bradford with her husband Lee and son Matthew. She enjoys spending time attending musical theater, cross stitching, knitting and crocheting, traveling and spending time at the beach.


Laurie Victor,

Laurie came to Howe Insurance in 1999 and as a Customer Service Representative with 24 years of experience in the insurance industry. Born in Lawrence, MA she attended Lawrence Public Schools. Laurie now resides in Haverhill with her husband Alan and four children, Shaun, Gina, Bradley and Tyler. Laurie is an outdoor person who enjoys camping, fishing, gardening and softball. She also loves to follow local sports teams and enjoys attending Tyler’s Little League games.