Norfolk and Dedham Group Insurance Review & Complaints: Car, Commercial & Homeowners Insurance (2024)
The Norfolk and Dedham Group has been around since 1825. They offer both personal and commercial insurance policies. This includes home and auto insurance, as well as business insurance policies.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Dec 29, 2023
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 29, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Norfolk and Dedham Group Summary
Summary | Norfolk and Dedham Group Details |
---|---|
Direct Premiums Written | $5,839,000 |
Loss Ratio | 64.36% |
Better Business Bureau | A+ |
AM Best | A |
Glassdoor | 4.7 out of 5 |
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.
Table of Contents
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.
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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.
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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.
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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.
Frequently Asked Questions
What is the financial security rating of The Norfolk and Dedham Group?
The Norfolk and Dedham Group has an A+ rating with the Better Business Bureau (BBB) and is rated as an A by A.M. Best.
What is the loss ratio of The Norfolk and Dedham Group?
The loss ratio of The Norfolk and Dedham Group is 64.36%, which indicates a good financial strength.
What is the employee rating of The Norfolk and Dedham Group?
The Norfolk and Dedham Group has a 4.7-out-of-5-star rating on Glassdoor, with 86% of employees recommending it to a friend.
When was The Norfolk & Dedham Group Insurance Company founded?
The Norfolk & Dedham Group Insurance Company was founded in 1825 in Dedham, Massachusetts.
What types of insurance does The Norfolk and Dedham Group offer?
The Norfolk and Dedham Group offers personal insurance policies such as car insurance, home insurance, renters insurance, personal umbrella insurance, and inland marine coverage. They also provide commercial insurance policies.
What does the basic personal auto insurance policy from The Norfolk and Dedham Group include?
The basic personal auto insurance policy includes legally required liability coverage, as well as options for comprehensive coverage, collision coverage, and additional add-ons.
What are the additional coverage options available for car insurance from The Norfolk and Dedham Group?
The Norfolk and Dedham Group offers add-ons such as the PersonalPak endorsement, accident forgiveness endorsement, and various auto insurance discounts.
Does The Norfolk and Dedham Group offer homeowners insurance?
Yes, The Norfolk and Dedham Group offers homeowners insurance with base coverage and options to customize the policy with endorsements like the Home Systems package and identity theft coverage.
Can policyholders file claims online with The Norfolk and Dedham Group?
No, online claim filing is not available. Policyholders can report claims through a toll-free claims line or directly to the agent of record on the policy.
What is the contact information for The Norfolk and Dedham Group?
The phone number for The Norfolk and Dedham Group is (800) 688-1825, and the fax number is (781) 329-1818.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.