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Meet the Team

Patricia K. Low – President

Patricia K. Low has over 30 years' experience in the insurance industry. Ms. Low began her career in 1982 with Dowell Insurance located in Fair Lawn, New Jersey. She became Dowell’s President in 1989 and CEO in 1990.
Throughout her career, Ms. Low has held leadership positions with various industry groups. She has served as chairperson of numerous insurance company advisory boards including Fireman's Fund, Hanover, Crum & Forster, and One Beacon. She has also served in several executive positions for PIA (Professional Insurance Agents Association) and was elected its Director of the Year in 1999.

She has been a Principal and Director of both The Twin Oaks Insurance Company and The Garden State Insurance Company, of which she also served as its President. In addition, Low is a trustee and a director of Hackensack University Medical Center, as well as on the Board of Directors for The Roar Foundation. She consults for JP Morgan Private Bank, Brown Bros. Harriman & Co. and other renowned Wall Street firms. Low completed her undergraduate degree at Upsala College and did her graduate work at Harvard Business School.

Ms. Low has an extensive background in the luxury goods industries, and has represented leading jewelry firms for over 25 years. Jewelers unBLOCKed™ is an outgrowth of her long-term and in-depth involvement in the jewelry industry.  

Al Merusi – COO, Senior Vice President

Mr. Merusi has been with the Dowell Agency since 1985, and has risen through the ranks to assume the responsibilities of Vice President and General Manager.

Mr. Merusi’s initiatives have allowed the firm to experience consistent growth and profitability. His leadership has been largely responsible for the firm’s “Best Practices” designation as one of the top 30 most outstanding agencies in the country by Reagan & Associates and Westinghouse Productivity and Quality Center.

Mr. Merusi provides operational service and support for all administrative, sales and marketing functions. This includes technological advances, telecommunications services, and management of administrative office functions, including client, product and program support services.

Mr. Merusi has over 25 years’ experience in the insurance industry, holds the Certified Insurance Counselor designation, and is a graduate of Montclair State University.

Ken Bessette – Chief Strategy Officer

Ken Bessette has served as Jewelers unBLOCKed™ Chief Strategy Officer since 2013, responsible to help guide the company’s growth.

Mr. Bessette has more than 28 years of management experience within the insurance industry, most recently serving as CEO of PIA Management Services, Inc. Prior to becoming CEO in 2004, Mr. Bessette served as Executive Director of the Professional Insurance Agents (PIA) associations in New York, New Jersey, Connecticut and New Hampshire.

Mr. Bessette is a graduate of the State University of New York at Brockport and has a Masters Degree from the College of St. Rose.