The Norfolk & Dedham Group

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The N&D Group
FoundedDedham, Massachusetts, U.S. (1825)
FounderJohn Endicott
Number of locations
Area served
New England, Mid Atlantic, Arkansas, Missouri
Key people
Joel Murray (President & CEO), Victor Pepin (COO), Erin Cummings (CIO)
ProductsPersonal insurance, Commercial insurance
Total assets~$700 million (2018)
Number of employees
DivisionsNorfolk & Dedham Mutual Fire Insurance Company, Dorchester Mutual Insurance Company, Fitchburg Mutual Insurance Company

The N&D Group is a mutual insurance carrier based in Dedham, Massachusetts, comprising three regional property and casualty insurance companies which market personal and commercial insurance product lines through independent insurance agents. The group conducts business in New England, New Jersey, Arkansas, and Missouri, and wrote about $245 million in annual insurance premium in 2018.[1] Founded as The Norfolk Mutual Fire Insurance Company in 1825, The N&D Group is one of the oldest mutual insurance companies in the United States.[2] With its tagline, "Locally Grown Insurance," the company sells exclusively through local, independent insurance agents and maintains operations in each of its writing territories, informing a high level of understanding of the needs of people and businesses in the areas which it services. The published mission of The N&D Group is, "To provide financial security to its policyholders through an exceptional client experience, affording them peace of mind."


Headquarters building in December

As early Dedham, Massachusetts residents were establishing new farms and businesses, it quickly became apparent that the community needed financial protection against various risks, especially the peril of fire. As a result, The Norfolk Mutual Fire Insurance Company was established by a group of prominent citizens, electing John Endicott as the company's first president.[3] The company quickly grew and evolved with the industry and expanded to various states in the Northeast. The growing complexity of American property and casualty insurance brought new coverages, new protocol for storms, and new product enhancements. Some of these enhancements included the first comprehensive insurance packages, the forerunners of today's common Homeowners and Businessowners Policies. In the 1950s, doing business in 26 states, the group constructed its current headquarters building along the Charles River. N&D eventually retrenched on its core business and now focuses on general P&C insurance in Massachusetts, New Jersey, and farmowners policies in Arkansas. About 400 independent agencies sell Norfolk & Dedham insurance products. The company employs about 150 people and manages roughly $700 million in assets.[4]


Alternate Logo

The N&D Group consists of three separate mutual companies:

  • The Norfolk & Dedham Mutual Fire Insurance Company
  • The Dorchester Mutual Insurance Company
  • The Fitchburg Mutual Insurance Company

Charity and local service[edit]

The group is a primary sponsor of the annual James Joyce Ramble, a USATF certified 10K road race, and the largest literary road race in the country.[5] The race takes place in the center of Dedham, and the route runs by the headquarters building near the fifth mile mark.

The insurance carrier participates in the Cristo Rey Network by hiring high school students as part of their work study program.

Twice a year, the company conducts volunteer days in support of charitable organizations working locally to the areas the company services.


  1. ^ Company information on AM Best "Consumer Insurance Center". AM Best. AM Best. Retrieved 2013-11-19.
  2. ^ The Norfolk & Dedham Group website "The Norfolk & Dedham Group". The Norfolk & Dedham Group. The Norfolk & Dedham Group. Retrieved 2013-11-19.
  3. ^ The Dedham Historical Register. Dedham Historical Society. 1896. Retrieved August 13, 2019.
  4. ^ Hegarty, Tim (2016). 2016 Annual Statement. Dedham, MA: The Norfolk & Dedham Group. p. 4.
  5. ^ "National Running Championship hosted once again by the James Joyce Ramble". James Joyce Ramble. James Joyce Ramble. Retrieved 6 July 2017.

About The Norfolk & Dedham Group