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 read more