Steeped in Tradition. Committed to the Future.

We Are Always Looking Forward

Our simple goal for the future is to just keep doing a great job for you.

Every day at The Andover Companies, we work with a strong sense of accountability to each of our policyholders and do our very best to meet their ever-changing individual property insurance requirements.

We understand that as a property or business owner, you require a broad range of insurance products to protect all your diverse assets and investments. From a private home or condo you own to an apartment complex or small mixed-use property you’ve invested in, The Andover Companies is built to effectively meet your wide-ranging insurance needs.

Our company is made up of three subsidiaries—Merrimack Mutual, Cambridge Mutual, and Bay State Insurance—which means we can provide our policyholders and their independent insurance agents with access to numerous insurance solutions for almost every type of property and budget.

However, there’s much more you can count on from us.

We commit to providing you with outstanding coverage solutions at consistent and competitive rates.
We are dedicated to maintaining a company that is financially stable and dependable, and have consistently been rated "A" (Excellent) or higher by A.M. Best, an independent insurance rating firm.
We promise to pursue innovative ways to make the insurance process easier for you, including our modern and streamlined online technology that allows you to view and print policy documents, make payments, and file and review claims.
We believe in being a responsible corporate citizen and will continue to engage in numerous green initiatives, such as installing a smart roof to reduce our energy load year-round and building a solar field to generate supplemental power for our headquarters.

As an Andover Companies policyholder, you truly get the best of both worlds. While we strive to be a company that is continually evolving and modernizing, our team will also always be here to offer you old-fashioned, personal, hands-on help and support.

It Takes a Village to Protect a Property

We couldn’t do what we do without our community of expert independent agent partners.

Whether you’re looking for property coverage solutions for a primary or vacation residence, a multi-family rental unit, a small restaurant or main street hair salon, or a mixed-use condo/retail development, The Andover Companies offers a range of insurance solutions to protect your investment.

Homeowners Insurance
Condo Insurance
Renters Insurance
Umbrella Insurance
Boat Insurance
Home Systems Protection
Identity Theft Coverage
Scheduled Personal Property
Home Cyber Protection
Businessowners Policy (BOP)
Dwelling Fire Insurance
Commercial Umbrella Insurance
General Liability Insurance
Loss of Business Income & Expense Coverage
Equipment Breakdown Coverage
Businessowners Cyber Protection
Water Backup Coverage

Gaining access to the entire portfolio of Andover Companies personal and business insurance solutions is easy. They are available through our network of several hundred independent insurance agent partners who operate across Massachusetts, Maine, New Hampshire, Rhode Island, Connecticut, New York, New Jersey, and Illinois.

At The Andover Companies, we are extremely proud of the relationships we have built with many of the top local agents in your area. This exceptional network has helped us become one of the largest and longest-standing mutual insurance groups in the United States.

To become one of our agent partners and part of The Andover Companies family is a very selective process. The agents we work with have all demonstrated the highest level of character, professionalism, and customer service. In turn, The Andover Companies team provides these agents with the support, consistency, and reliability that they need to effectively meet the needs of customers like you.