About Us

The Andover Companies provides a superior product at an affordable cost, offered to you through the independent agency system. Based in Andover, MA, we develop top-quality insurance programs to meet the needs of homeowners, landlords and business owners.

Our Companies

The Andover Companies offers insurance programs through three distinct companies. All three are managed by the same home office staff in Andover, MA.

Merrimack Mutual

Merrimack Mutual

Incorporated in 1828, the Merrimack Mutual Fire Insurance Company was the founding firm of The Andover Companies. Policies were sold in the Massachusetts towns of Andover, Newbury, Beverly, Methuen, Newburyport and surrounding communities. Today, Merrimack Mutual represents over half of The Andover Companies’ asset base.

Bell

Cambridge Mutual

Incorporated in 1833, Cambridge Mutual Fire Insurance Company was acquired by Merrimack Mutual in 1913. Cambridge Mutual makes up about one third of the current asset base of The Andover Companies.

Bay State

Bay State

Incorporated in 1955 as a stock company, Bay State expanded The Andover Companies' market and offered an additional sales program to its valued agents.

Consult with an agent for a custom quote

Work with one of our local independent agents to get a personalized quote based on your needs.