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 publishes product-facing appetite information on its public site rather than a detailed broker-only underwriting manual. Current published guidance shows a regional personal/commercial carrier writing through independent agents, with personal Homeowners available in Massachusetts and New Jersey and commercial package/BOP business also shown as available in Massachusetts and New Jersey. Homeowners appetite appears oriented to owner-occupied personal risks including homes, apartments, condos, and also broader personal lines exposures such as vacation/secondary homes, home businesses, and rental income properties through the personal product suite. Published home coverages/highlights include dwelling, personal belongings, worldwide liability, home computer, home systems protection, host liquor liability, identity theft, personal cyber, and discounts for account rounding, loss-free, protective devices, smart-home devices, and automatic water shut-off devices. Commercial appetite published on the ComPak side is clearly small-to-midmarket, property/liability-focused businessowners risks, with named specialties including 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. The broader business page also references contractors such as landscapers, plumbers, and electricians, plus availability of commercial package for larger/more complex ventures, commercial auto, umbrella, cyber, EPLI, environmental liability, and commercial flood as an endorsement to Massachusetts ComPak policies. For Workers Comp specifically, no standalone, verified public appetite or class guide was found on the carrier site during this refresh; the public business pages list Workers Compensation as a product/menu item but did not provide a usable dedicated underwriting page, so class targeting and declination details for WC are not publicly verified here. No explicit public declined-class list, hazard restrictions, occupancy age/construction restrictions, protection-class rules, or coastal/CAT restrictions were found on the verified pages reviewed. Geographic note: the site states the company distributes through independent agents and is not offering business in states where not licensed; published product availability specifically names Massachusetts and New Jersey for Homeowners and ComPak, while the company also maintains operations in Massachusetts and Virginia. Submission/broker notes: business and personal quotes are directed through the Agency Locator / local independent agent channel, and the site includes an Agent Login for AgentPak, indicating producer-facing workflows are handled via appointed agents rather than open direct submission. If seeking WC appetite, class acceptability, or underwriting rules, broker should obtain current guidance from an appointed N&D agent/AgentPak because no verified public underwriting bulletin or appetite guide was located.