About N&D®

The mission of Norfolk & Dedham is to provide financial security to our policyholders through an exceptional client experience, affording them peace of mind.

Our Roots Make Us Locally Grown

  • Norfolk & Dedham Mutual Fire Insurance Company – Est. 1825
  • Fitchburg Mutual Insurance Company – Est. 1847
  • Dorchester Mutual Insurance Company – Est. 1855
Agency Partners
Vehicles Insured
Homes & Businesses Protected

Who We Are

At N&D, we have been covering local homeowners, drivers, and businesses with personalized insurance policies since 1825. As a locally grown insurance company, we know the region, know the risks, and know the right coverage. Our clients rely on the stability of our financially secure mutual insurance companies while benefiting from local employees and agents providing the highest level of personal service.

Leadership Team    Careers


Our Core Values

Accountability      Agility      Collaboration      Continual Improvement      Integrity      Responsiveness

At N&D, we are passionate about building and nurturing a culture that encourages, supports, and respects the differences in all of us.

Embracing our differences allows for diversity of thought in our decision making, drives innovation, and allows us to truly connect to one another, our clients, and the communities where we live and work.

We are committed to advancing the diversity of our company and nurturing the most supportive, respectful, and accepting organizational culture possible.

What Our Clients Say

“I heartily compliment your Claims Service Representative. She not only handled my claim in a friendly and expeditious manner, but assisted me with the payment negotiations with the body shop, as well. I’m relatively new to Massachusetts, so I was unfamiliar with Massachusetts insurance regulations. This unfamiliarity resulted in several clarification calls to her. Never once did I feel that I was taking up too much of her time and in every case she had a complete and accurate response to my inquiries immediately.”

– Fred, Truro MA

“As an elderly woman who has never had to file an insurance claim in sixty years, I was most appreciative of the help and direction given me by your telephone staff; the young man was very courteous and patient with me. The adjuster was prompt and quite accurate in his estimate of what the repairs would cost.

Everyone involved made a difficult situation much easier and less stressful for me. I’m grateful to all who helped me.”

– Patty, Waltham MA

What Our Agency Partners Say

“The Swan Boats of Boston, established over 140 years ago, are a Boston family institution. The Swan Boats are a regional, and perhaps national treasure. Originally from Brighton, the Swan Boats have been insured by the John J. Ryan Insurance Agency and Norfolk & Dedham for decades. Like many small businesses, the Swan Boats were adversely affected by the COVID-19 pandemic. To keep the business and the boats properly protected in challenging times, Norfolk & Dedham worked hard with its agent and its insured to come up with a creative and fiscally responsible solution. Insured, agent and N&D were all pleased with the result and all three look forward to a new beginning.”

– Jack Ryan, Principal – John J. Ryan Insurance Agency, Brighton MA

“As one of our longest lasting continuous company partnerships, we have always enjoyed a strong relationship with N&D.

We feel like that N&D truly values and cares about our Agency and our mission.”

– Geoffrey Stanton, President – Stanton Insurance Agency, Waltham MA

Our Photography

Our site includes custom images from local photographer, Mike Casey, from Wellesley, MA.

He can be found at caseyphotography.net.

All N&D systems are back online.  Thank you for your patience.