The N&D® Group has been protecting homes, autos, and businesses since 1825. Rated "A Excellent" for financial strength by A.M. Best, we provide personal, knowledgeable, local service when and where you need it, through a proven network of independent agents in your neighborhood. The N&D Group consists of three mutual insurance companies: • Norfolk & Dedham Mutual Fire Insurance Company • Dorchester Mutual Insurance Company • Fitchburg Mutual Insurance Company