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Norfolk and Dedham Group Review

Norfolk and Dedham Group (review below) has been around since 1825 and offers a range of personal and commercial insurance policies in several states. The N&D Group writes auto insurance and home insurance as well as a few other personal policies, and also offers business insurance both in packages and a la carte.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Aug 25, 2020

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Norfolk and Dedham Group
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Norfolk and Dedham Group Summary
SummaryNorfolk and Dedham Group Details
Direct Premiums Written$5,839,000
Loss Ratio64.36%
Better Business BureauA+
AM BestA
Glassdoor4.7 out of 5
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A group of property and casualty insurance companies based out of New England, The Norfolk & Dedham Group includes one of the oldest mutual insurance companies in the country. They offer a range of personal and commercial insurance policies in several states. The Norfolk and Dedham logo is a bold monochrome image for a company that’s been around long enough to not need a fancy image.

Do you wonder if term life insurance or whole life insurance is best for you? Are you in New England looking for the best car insurance for your needs? Before jumping into this Norfolk and Dedham Group review, enter your ZIP code above to get FREE quotes from multiple insurers.

Norfolk & Dedham Group Financial Ratings & Insurance Reviews

The Norfolk and Dedham Group had $5,839,000 direct premiums written in 2018, according to the National Association of Insurance Commissioners.

The N&D Group has a loss ratio of 64.36 percent. Loss ratios show the financial strength of a company. If this number is too low, the company is not paying out enough in claims compared to how much they collect in car insurance rates. If it’s too high, they’re paying out too much and that usually means a rate increase is coming.

They should typically be between 40 and 75 percent, and the N&D Group is right there in that range which is good.

N&D has an A+ rating with the Better Business Bureau (BBB), and there is one complaint on file in the past three years. This complaint was closed in the past 12 months.

A.M. Best ratesthe Norfolk and Dedham Group as an A. This video goes over A.M. Best Ratings.

Glassdoor lists a 4.7-out-of-5-star rating from employees of the Norfolk and Dedham Group. 86 percent would recommend working there to a friend, and 100 percent approve of the CEO. There are 16 reviews on Yelp, with an overall one-star rating. The most recent review is a positive review, but the rest are negative and mostly focus on a poor claims experience.

Overall the complaint volume is low and there are no major red flags regarding this company.

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About Norfolk & Dedham Group Insurance Company

Norfolk & Dedham (N&D) Mutual Fire Insurance Company was founded in 1825 in Dedham, Massachusetts to provide fire coverage for local residents and businesses as the Norfolk & Dedham Mutual Fire Insurance Company.

The company expanded into neighboring states over the next few decades, and they brought Fitchburg Mutual Insurance Company and Dorchester Mutual Insurance Company reviewed under the N&D banner.

N&D operates mainly in New England, and the mid-Atlantic, offering a range of property & casualty products. They also offers some coverage in Missouri and Arkansas. Although they previously operated in a wider area, the company withdrew from several states due to lack of profitability. We were unable to find a solid list of states that are served by the company on their website.

Policies are sold through a network of 450 independent agents in the states where N&D operates.

What types of insurance does Norfolk and Dedham Group offer?

An agent can go to their Norfolk and Dedham agent login and access multiple insurance policy types. The Norfolk Group writes car insurance and home insurance as well as a few other personal policies, and also offers business insurance both in packages and a la carte.

Auto Insurance

N&D Group offers a basic personal auto insurance policy with several options for adding on and enhancing coverage. Policies can include all of the legally required liability as well as comprehensive coverage, collision coverage, and other common options.

Regardless of where you live, most states are going to require that you keep at least a mandated minimum set of liability requirements. The Insurance Information Institute (III) lists them here, but you may want more than just the minimum as liability doesn’t cover your own damages. The state minimum car insurance won’t protect your own vehicle.

The N&D Group also offers add-ons for your car insurance. Their PersonalPak endorsement is a package add-on that provides a list of additional coverage options in one. This endorsement adds:

  • Accidental discharge of airbags
  • Excellent driver deductible credit
  • Pet injury protection
  • Auto loan/lease gap coverage
  • New car protection

N&D also has an accident forgiveness endorsement available and offers a list of common discounts such as advance purchase, good student, driver training, and the less common hybrid car discount.

All of the auto insurance information on the site appears to be focused on Massachusetts; while it does not state so directly, we got the impression that is the only state in which they offer this coverage.

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Commercial Auto Insurance

N&D offers a range of commercial insurance options for businesses. Commercial auto policies are available for both private passenger vehicles as well as light to medium duty trucks, with a maximum cap of 20,000 lbs gross vehicle weight.

Two package policies are available for various types of businesses. The ComPak Business Owner’s package combines many of the common coverage options in one, while the commercial package is a bit more flexible and allows more customization.

N&D also writes employment practices liability and worker’s compensation business insurance.

Home Insurance

N&D writes both standard homeowners and dwelling fire policies to different types of homes.

Like the auto policy, they offer a base coverage and a list of options that can be added on to customize the policy. Endorsements include the Home Systems package, identity theft, and home computer coverage.

There is a PersonalPak package endorsement for home insurance as well, but we did not find any information on what is included in that package on the company website.

Home insurance policies are available for single-family homes and condos, as well as a renter’s insurance option as well. The dwelling fire program is designed to provide coverage for rental homes, but the site gives little information on this product.

Other Personal Insurance

N&D also writes personal umbrella insurance, which can increase your liability coverage above and beyond your auto and home limits by up to $5 million.

Inland Marine coverage is available to provide coverage for specific high-value items that are not properly protected under your homeowner’s policy alone. This includes items like art, jewelry, and musical instruments. Online quoting is not an option from N&D. This is common practice for a regional insurance company that relies on an independent agent system.

Does Norfolk and Dedham Group offer online claims?

Online claim filing is not offered by N&D. The company does offer a 24/7 toll-free claims line at 1-800-688-1825, or claims can be reported directly to the agent of record on the policy.

N&D does have a fleet of claims vehicles that can be dispatched to do on-site appraisals, as well as drive-in claims centers located across Massachusetts for auto claims. Auto repairs can be handled through the company’s preferred repair shops, or the policyholder can choose their own shop. The website does not offer much claims information, and there is no detail on the claims process available.

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Norfolk & Dedham Group Review: The Bottom Line

Without rate information, it’s difficult to compare N&D to other companies. Normally, however, we expect to see higher rates from small, agent-driven insurers. Most drivers will likely get a better rate elsewhere, but if you prefer to work with an agent and a smaller company, N&D might be worth adding to your list.

Make sure you have the right car insurance company for your particular needs. Now that you’ve finished this Norfolk and Dedham Group review, enter your ZIP code to get free quotes from multiple insurers.

Frequently Asked Questions: Norfolk & Dedham Group Review

We’ve added a few more common FAQs below about the Norfolk and Dedham Group.

#1 – Who is on the Norfolk and Dedham Group board of directors?

The CEO of the Norfolk and Dedham Group is Joel Murray who replaces F. Timothy Hegarty who is now the head of the board.

#2 – What is the Norfolk and Dedham phone number?

If you’re looking to contact the Norfolk and Dedham Group, their phone number is listed as: (800) 688-1825. The Norfolk and Dedham insurance fax number is listed as (781) 329-1818.

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Norfolk and Dedham Group
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

1 Comment

  1. I have been with Arbella for 50 yrs, I am concerned about this change. I’ve heard this co. raises prices a lot. I also never really heard of this co. I have a commercial van to drive 4 special needs kids to school and I am a senior citizen. Can I get a discount if instead my van with you? Also I wasn’t offered the personal pack… I am interested in that. I just started asking people about the company and looking at reviews. I’m not sure weather to go with a more well know company. I love my house and take pride in it…I grew up in this house and some of the contents are from my parents. I need a company I feel secure with. Do you honestly recommend them for me?

    Thank you for any advice or tips.

    Kathleen Jones


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