Our value system emanates from the legacy of our three companies, providing the qualities and values you as agents and policyholders expect from us today. These qualities include good value to the insured, fair dealing, fiscal responsibility, strong reserves, excellence in underwriting, debt-free operation, prompt payment of losses and excellence in customer service. The Andover Companies has been providing quality insurance protection since 1828. For over a century, we have been offering our policies exclusively through independent agents. We are committed to providing competitive, affordable products tailored to meet the needs of homeowners, landlords and business owners. 


  • Incorporated in 1828
  • Financial Strength Rating – Rated A+ “Superior” by A.M. Best


  • Homeowners Insurance
  • Dwelling Fire
  • Condominium & Co-op
  • Business Owners


Merrimack Mutual
Incorporated in 1828, the Merrimack Mutual Fire Insurance Company was the founding company of The Andover Companies. Policies were sold in Massachusetts, in the towns of Andover, Newbury, Beverly, Methuen, Newburyport, and other surrounding communities. The Company enjoyed modest prosperity in its early years. Today, Merrimack Mutual represents over half of the asset base of The Andover Companies.

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

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.

Coastal Insurance is an Agent for The Andover Companies