Norfolk and Dedham Group Insurance Review & Complaints: Car, Commercial & Homeowners Insurance (2024)

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Financial Strength

Norfolk and Dedham Group Summary

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? There can be many options on the market, so the average rates may seem a little confusing without comparing them at first.

Before jumping into this Norfolk and Dedham Group review, enter your ZIP code above to get FREE quotes from multiple insurers.

What is the financial security rating of The N&D Group?

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% 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 your car insurance payment. 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 40-75%, 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 rates The Norfolk and Dedham Group as an A.

Glassdoor lists a 4.7-out-of-5-star rating from employees of The Norfolk and Dedham Group. 86% would recommend working there to a friend, and 100% 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.

History of The 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 offer some coverage in Missouri and Arkansas. Although they previously operated in a wider area, the company withdrew from several states due to a 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 insurance agents in the states where N&D operates.

What types of insurance does The N&D Group offer?

An agent can go to their N&D 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.

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 auto insurance 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.

What about commercial auto insurance?

N&D offers a range of commercial insurance product 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.

Does the N&D Group offer a homeowners insurance policy and renters insurance?

N&D writes both standard homeowners and dwelling fire policies for 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.

What other personal insurance options are offered?

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.

Claims Process at Norfolk and Dedham Group Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

When it comes to filing a claim with Norfolk and Dedham Group Insurance, policyholders have several options. While the company does not offer online claim filing, they provide a 24/7 toll-free claims line at 1-800-688-1825. Additionally, claims can be reported directly to the agent of record on the policy.

For those who prefer in-person assistance, Norfolk and Dedham Group Insurance has a fleet of claims vehicles that can be dispatched for on-site appraisals, and they have drive-in claims centers located across Massachusetts for auto claims. Policyholders also have the flexibility to choose their preferred auto repair shop for repairs.

Average Claim Processing Time

Norfolk and Dedham Group Insurance does not provide specific information about their average claim processing time on their website. To get accurate information about claim processing times, policyholders are encouraged to contact the claims department directly or consult their insurance agent.

Customer Feedback on Claim Resolutions and Payouts

While Norfolk and Dedham Group Insurance has received a relatively low volume of complaints, it’s essential to consider customer feedback on claim resolutions and payouts. On platforms like Yelp, there are mixed reviews, with some policyholders expressing satisfaction with their claims experience, while others have highlighted concerns, particularly regarding a poor claims experience.

It’s advisable for potential policyholders to research and read customer reviews to get a sense of how the company handles claims.

Explore Norfolk and Dedham Group’s Digital and Technological Features

Mobile App Features and Functionality

Norfolk and Dedham Group Insurance offers a mobile app that allows policyholders to access their insurance information and perform various tasks conveniently. The app provides features such as policy management, bill payment, and access to important documents.

Policyholders can easily report claims through the app and track the progress of their claims. Additionally, the mobile app may offer features like digital ID cards for easy access to insurance information on the go.

Online Account Management Capabilities

Policyholders of Norfolk and Dedham Group Insurance can take advantage of robust online account management capabilities. Through the company’s website, policyholders can log in to their accounts to view and manage their policies, make payments, and access policy documents.

The online portal offers a user-friendly interface, making it easy for customers to navigate and find the information they need.

Digital Tools and Resources

Norfolk and Dedham Group Insurance provides a range of digital tools and resources to assist policyholders in understanding their insurance coverage and making informed decisions. These resources may include educational articles, FAQs, and tools like premium calculators.

The company aims to empower customers with the information they need to make the right coverage choices and navigate the insurance process efficiently.

What’s 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 insurance agency and a smaller company with peace of mind, N&D might be worth adding to your list.

Make sure you have the right car insurance company for your particular needs. A great way to ensure you’ve found the best insurance rates for your budget is to compare insurance carriers. A vehicle is definitely personal property worth protecting.

Now that you’ve finished this Norfolk and Dedham Group review, enter your ZIP code to get free quotes from multiple insurers and find affordable car insurance.

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