UPDATED: Nov 30, 2018
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About Norfolk & Dedham Group
Norfolk & Dedham (N&D) Mutual Fire Insurance Company was founded in 1825 in Dedham, Massachusetts to provide fire coverage for local residents and businesses. The company expanded into neighboring states over the next few decades, and they brought Fitchburg Mutual Insurance Company and Dorchester Mutual Insurance Company 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.
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.
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.
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.
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 insurance.
Online quoting is not an option from N&D and all visitors are directed to contact an agent for rates and further policy information. This is common practice for a regional insurance company that relies on an independent agent system.
The website has an agent locator that will find the nearest local agent for you.
Online claim filing is not offered by N&D. The company does offer a 24/7 toll-free claims line, 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.
Ratings and Consumer Reviews
N&D has an A rating with the Better Business Bureau (BBB), and there are five complaints on file in the past three years. One of those was closed in the past 12 months. The BBB does not state why the company does not merit an A+ rating, but the complaint volume is not at a concerning level.
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.
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.
For a list of companies that we recommend, visit our Best Insurance Companies page.