Norfolk & Dedham Group
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Norfolk & Dedham Group distributes through independent agents only; insureds are directed to use the agency locator and N&D states these are the only parties that can provide an N&D policy. For commercial business, the clearest published underwriting/appetite guidance is its ComPak BOP/commercial packages material. Current website content shows ComPak Businessowners coverage available in Massachusetts and New Jersey, with a broader commercial product menu including Commercial Package, Commercial Auto, Commercial Umbrella, EPLI, and Commercial Flood endorsement for Massachusetts ComPak policies. Published preferred/target classes include apartment buildings, artisan contractors, bakeries, residential condo associations, dry cleaners, fitness studios, florists, food trucks, law offices, nail salons, pet services, residential cleaning services, restaurants, and self-storage facilities. N&D’s ComPak businessowners brochure also lists accounting offices, barber shops, bed & breakfast inns, funeral homes, office buildings, condos, restaurants, apartments, florists, and law offices as target classes. Its contractor brochure identifies artisan contractor targets such as carpentry, electricians, home builders, HVAC, interior painting, landscapers, masonry, plumbers, and window/door installation. Commercial Auto is published for light and medium trucks, trailers, and private passenger types used by commercial businesses operating within a 200-mile radius; examples listed include office, sales, professionals, artisan contractors, and light retail delivery, with limits up to $1,000,000 and umbrella available when N&D also writes the GL. Explicit online declinations/restricted classes are not clearly published on the public site; however, the appetite appears focused on small-to-mid-sized regional Main Street/property-oriented risks and artisan contractors rather than broad national or heavy-hazard classes. Geographic notes: N&D’s public commercial appetite pages repeatedly state availability in Massachusetts and New Jersey for ComPak and Commercial Auto; commercial flood is specifically described as an endorsement to Massachusetts ComPak policies. The site legal notice also states website content is informational only and does not constitute an offer in states where N&D is not licensed/registered. Submission/producer notes: N&D emphasizes independent-agent distribution only, provides an AgentPak agent login, and directs quote inquiries through local agents rather than direct submission on the public website. Broker/producers should expect to place business through appointed independent agents and use carrier/agent systems rather than consumer-facing channels. No public standalone workers compensation appetite page was verified from the official site during this refresh, despite site navigation referencing workers compensation; therefore, no class-specific WC underwriting guidance was confirmed from a current official underwriting page. Homeowners remains a published personal line, but no detailed public underwriting/appetite guide for Home was verified in this refresh.