The N&D Group has been covering local homeowners, drivers and businesses with personalized insurance policies since 1825. As a locally grown insurance company, they know the region, know the risks, and know the right coverage.
The N&D Group consists of:
- Norfolk & Dedham Mutual Fire Insurance Company – 1825
- Fitchburg Mutual Insurance Company – 1847
- Dorchester Mutual Insurance Company – 1855
Personal Insurance Lines
Protecting homes since 1825
Homeowners Insurance protects you and your loved ones. The N&D® Group is committed to developing a policy that covers not only your home, but your personal property and your responsibility for others.
Dwelling Fire Insurance
Coverage for your rental property
A dwelling fire insurance policy is an excellent way to protect a home you own but rent to someone else. The Norfolk & Dedham Group® offers reliable and affordable dwelling fire insurance.
Because anything can happen in an instant
A car accident can occur in a split second. If the unexpected happens, the last thing on your mind should be insurance. Have peace of mind knowing The N&D® Group is standing behind you.
Inland Marine Insurance
When standard limits aren’t enough
A Personal Inland Marine policy provides additional itemized coverage under your homeowner or renter policy to cover valuable items such as:
- Fine Arts
- Golf Equipment
- Musical Instruments
Personal Umbrella Insurance
Preserve all of your assets after an unfortunate event
A Personal Umbrella policy is an additional layer of liability coverage to protect your assets. A judgment against you can exceed the liability limits of any of your personal lines policies. Protect yourself with a rock solid umbrella policy from The Norfolk &Dedham Group®.
Commercial Insurance Lines
Commercial Auto Insurance
Insurance that keeps your business moving
Vehicles are an important asset in your business. They provide transport for employees, goods and services. It is important that these assets are properly covered in the event of the unexpected.
ComPak® – Businessowners Insurance
Protect the base of your livelihood
ComPak® coverage protects the livelihood of you and your employees. The N&D® Group knows it is imperative to have adequate protection from the multitude of perils a business can face. We provide many modern coverages that go beyond fire, theft and liability.
Employment Practices Liability (EPL) Insurance
The Latest Coverage from N&D®
Employment practices liability insurance is a great source of protection from the pitfalls of operating a small business. Lawsuits stemming from hiring and firing practices are on the rise. Whether legitimate or not, these pose a serious liability risk. N&D is ready to protect your company with this state-of-the art coverage and loss prevention tools. Small business owners now have access to policies and procedures, harassment policies, employee handbooks, and a free legal advice helpline with experienced employment attorneys.
Farmowners Poultry Growers Insurance
Protection for your farm property
Farmowners coverage from The Norfolk & Dedham Group® protects your farm from many perils faced by today’s poultry grower. We cover your property, equipment, loss of income and residence located on the farm with coverages tailored specifically to meet the needs of poultry growers.
Commercial Umbrella Insurance
Reliable coverage when things are at their worst
One severe incident could bankrupt your business. N&D® Group Commercial Umbrella policies provide additional liability coverage to protect everything you have worked for.
WorkPak® – Workers’ Compensation Insurance
Protection for your company’s most valuable assets
Employees are the heart and soul of a business. If an accident happens in your workplace, WorkPak® coverage will assist your business in helping your employees recover and return to work.