Insurance carrier
Andover Group
Currently ranked #199 by filing activity. Activity below is based on admitted P&C product filings from Aug 19, 2025 to Aug 19, 2026.
Rank
#199
Top 500 carrier
Filings
108
08/19/25 to 08/19/26
Companies
3
States
8
State footprint
Latest
Jul 31, 2026
Avg rate increase +1.9%
flow
Tracked Filing Volume
where filings move
State Activity
rate impact
Reported Rate Impact
Filings
33
Companies
3
Avg Impact
+1.9%
Max Increase
+7.5%
Max Decrease
-0.4%
Reported rate impact by state
-0.4% to -0.1%-0.1% to +0.5%+0.5% to +3.7%+3.7% to +7.5%
Rate impact filingsShowing up to 33 filings
05/27/26Merrimack Mutual Fire Insurance CompanyMEME HO RateRate/Rule+7.5%+10.4%
09/24/25Cambridge Mutual Fire Insurance CompanyCTCT HO RateRate/Rule+7.5%+28.6%
05/28/26Merrimack Mutual Fire Insurance CompanyNJNJ Personal UmbrellaRate/Rule+6.9%+12.5%
05/28/26Cambridge Mutual Fire Insurance CompanyNJNJ Personal UmbrellaRate/Rule+6.8%+12.6%
05/28/26Bay State Insurance CompanyNJNJ Personal UmbrellaRate/Rule+6.4%+12.7%
03/09/26Merrimack Mutual Fire Insurance CompanyCTCT HO RateRate/Rule+5.7%+15.3%
03/09/26Cambridge Mutual Fire Insurance CompanyCTCT HO RateRate/Rule+5.2%+14.4%
10/24/25Merrimack Mutual Fire Insurance CompanyMAMA Dwelling 2026Rate/Rule+4.9%+12.2%
10/24/25Merrimack Mutual Fire Insurance CompanyMEME Dwelling Rate 26Rate/Rule+4.0%+10.5%
02/25/26Merrimack Mutual Fire Insurance CompanyCTCT Dwelling RateRate/Rule+3.3%+6.3%
10/08/25Bay State Insurance CompanyMAMA BOP RateRate/Rule+1.2%+37.8%
10/08/25Merrimack Mutual Fire Insurance CompanyMAMA BOP RateRate/Rule+1.1%+37.4%
08/20/25Bay State Insurance CompanyMAMA Personal Umbrella RateRate/Rule+0.8%n/a
09/03/25Merrimack Mutual Fire Insurance CompanyNYNY PUMB Rate 2025Rate/Rule+0.7%+11.0%
09/03/25Cambridge Mutual Fire Insurance CompanyNYNY PUMB Rate 2025Rate/Rule+0.6%+8.9%
11/14/25Merrimack Mutual Fire Insurance CompanyCTCT DF HSP Rate UpdateRate/Rule+0.5%+5.4%
08/20/25Merrimack Mutual Fire Insurance CompanyMAMA Personal Umbrella RateRate/Rule+0.5%n/a
08/20/25Cambridge Mutual Fire Insurance CompanyMAMA Personal Umbrella RateRate/Rule+0.5%n/a
11/14/25Cambridge Mutual Fire Insurance CompanyCTCT HO HSP Rate UpdateRate/Rule+0.4%+7.2%
11/14/25Merrimack Mutual Fire Insurance CompanyCTCT HO HSP Rate UpdateRate/Rule+0.4%+4.7%
10/08/25Cambridge Mutual Fire Insurance CompanyILIL HO HSP Form and Rate UpdateRate/Rule+0.2%+6.8%
10/08/25Merrimack Mutual Fire Insurance CompanyILIL HO HSP Form and Rate UpdateRate/Rule+0.1%+6.4%
10/08/25Merrimack Mutual Fire Insurance CompanyILIL Dwelling HSP Form and Rate UpdateRate/Rule+0.1%+5.6%
10/08/25Cambridge Mutual Fire Insurance CompanyILIL Dwelling HSP Form and Rate UpdateRate/Rule+0.1%+3.3%
09/03/25Bay State Insurance CompanyNYNY PUMB Rate 2025Rate/Rule+0.1%+9.6%
04/06/26Merrimack Mutual Fire Insurance CompanyRIRI BOP RateRate/Rule-0.1%+49.2%
01/23/26Cambridge Mutual Fire Insurance CompanyCTCT HO Hurricane Deductible ChangesRate/Rule-0.1%0.0%
09/18/25Merrimack Mutual Fire Insurance CompanyNJNJ BOP RateRate/Rule-0.1%+30.0%
01/23/26Merrimack Mutual Fire Insurance CompanyCTCT HO Hurricane Deductible ChangesRate/Rule-0.2%0.0%
09/24/25Merrimack Mutual Fire Insurance CompanyCTCT HO RateRate/Rule-0.2%+15.9%
03/19/26Merrimack Mutual Fire Insurance CompanyMEME BOP RateRate/Rule-0.3%+14.3%
10/24/25Merrimack Mutual Fire Insurance CompanyCTCT BOP 2025Rate/Rule-0.3%+12.8%
09/10/25Cambridge Mutual Fire Insurance CompanyILIL DF 2025Rate/Rule-0.4%+10.9%
product mix by company
Top 5 companies
Merrimack Mutual Fire Insurance Company55 filings
Professional Services Coverage7
Name Change endorsement for Merrimack and Cambridge5
MA Negative Option Feature Compliance Filing3
CT HO Hurricane Deductible Changes2
CT HO Rate2
Cambridge Mutual Fire Insurance Company41 filings
Name Change endorsement for Merrimack and Cambridge5
Professional Services Coverage5
CT HO Hurricane Deductible Changes2
CT HO Rate2
IL Dwelling HSP Form and Rate Update2
Bay State Insurance Company12 filings
MA Negative Option Feature Compliance Filing2
Professional Services Coverage2
Builder's Risk1
Insurance Supplier Diversity Reports1
MA BOP Rate1
live tape
Recent Documents
Forms
45 docs07/31/26Merrimack Mutual Fire Insurance CompanyILH7130116.pdfPersonal Injury coverage on Rented Dwellings
03/31/26Merrimack Mutual Fire Insurance CompanyME5067 Superior Enhancement.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyME4094 Limitation of Coverage Real Estate Operations.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyME5011 EmployeeRedefined.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMEBP1724A Directors and Officers.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyME5038 BOP Extension Endo.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyME5017 All In Condo endorsement.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyME5065 Agreed Amount.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMEBP14040713_BP-MU-2025-FO-001.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyME4071A Additional Interest Endorsement.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyME6042 LLS for Wind Hail Losses to Roof Surfacing.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyME6045 Aggregate Deductible.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyME5043 Enhancement Plus Endorsement.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMEBP1481A Limitations on Coverage for Roof Surfacing.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyME5020 Extended Building Coverage.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyME4076 D&O Liability.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyME5069 Modified Superior Enhancement.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyME6001ME Equipment Breakdown.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyME5068 Superior Enhancement Complexes.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMEBP1703A Condo Unit Owners Optional Coverage.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyME5072 Loss Settlement Blanket Limits.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMEBP0710A Bed and Breakfasts.pdfBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyME6002 Computer System Coverage.pdfBOP Upgrade
01/15/26Merrimack Mutual Fire Insurance CompanyNJName Change Endorsement.pdfName Change endorsement for Merrimack and Cambridge- BOP and Commercial Excess
12/02/25Cambridge Mutual Fire Insurance CompanyCTIL P 011A 12 25.pdfFlood Notice
11/19/25Merrimack Mutual Fire Insurance CompanyMAIL NO 03 26.pdfMA Negative Option Feature Compliance Filing
11/19/25Merrimack Mutual Fire Insurance CompanyMAMA Umbrella app.pdfMA Negative Option Feature Compliance Filing
11/18/25Merrimack Mutual Fire Insurance CompanyMAHO APP.pdfMA Negative Option Feature Compliance Filing
11/18/25Merrimack Mutual Fire Insurance CompanyMAHO APP updated.pdfMA Negative Option Feature Compliance Filing
11/18/25Merrimack Mutual Fire Insurance CompanyMAIL NO 03 26.pdfMA Negative Option Feature Compliance Filing
11/18/25Merrimack Mutual Fire Insurance CompanyMANegative Option PHN revised.pdfMA Negative Option Feature Compliance Filing
11/18/25Merrimack Mutual Fire Insurance CompanyMADF APP.pdfMA Negative Option Feature Compliance Filing
11/17/25Bay State Insurance CompanyNJH228 1023.pdfBuilder's Risk
11/17/25Bay State Insurance CompanyNJH-228 (Tracked).pdfBuilder's Risk
11/14/25Merrimack Mutual Fire Insurance CompanyCTD 700 (Tracked).pdfCT DF HSP Form Update
11/14/25Merrimack Mutual Fire Insurance CompanyCTD 700 06 25.pdfCT DF HSP Form Update
11/14/25Merrimack Mutual Fire Insurance CompanyCTH 700 (Tracked).pdfCT HO HSP Form Update
11/14/25Merrimack Mutual Fire Insurance CompanyCTH 700 06 25.pdfCT HO HSP Form Update
10/22/25Merrimack Mutual Fire Insurance CompanyRIHO0411A0126.pdfHO form and rule updates
10/22/25Merrimack Mutual Fire Insurance CompanyRIHO 04 11A tracked from HO 04 11.pdfHO form and rule updates
10/22/25Merrimack Mutual Fire Insurance CompanyRIHO 06 44 04 16 Roof Surfacing Cosmetic Damage Exclusion - Windstorm or Hail.pdfHO form and rule updates
10/08/25Merrimack Mutual Fire Insurance CompanyILH-700 06 25.pdfIL HO HSP Form and Rate Update
10/08/25Merrimack Mutual Fire Insurance CompanyILHome Systems Protection - Illinois Dwelling.pdfIL Dwelling HSP Form and Rate Update
10/08/25Merrimack Mutual Fire Insurance CompanyILHome Systems Protection - Illinois.pdfIL HO HSP Form and Rate Update
10/07/25Merrimack Mutual Fire Insurance CompanyCTCX 21 20 Exclusion - Professional Services.pdfProfessional Services Coverage
Rate/Rule
51 docs07/31/26Merrimack Mutual Fire Insurance CompanyILIL HO Rule 721Personal Injury coverage on Rented Dwellings
05/28/26Merrimack Mutual Fire Insurance CompanyNJNJ Manual PagesNJ Personal Umbrella
05/27/26Merrimack Mutual Fire Insurance CompanyMEME HO ManualME HO Rate
05/27/26Merrimack Mutual Fire Insurance CompanyMEME RateME HO Rate
04/06/26Merrimack Mutual Fire Insurance CompanyRIRI Rate PagesRI BOP Rate
03/31/26Merrimack Mutual Fire Insurance CompanyMEBOP Multi-State manualBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMEBOP Maine Exception manualBOP Upgrade
03/19/26Merrimack Mutual Fire Insurance CompanyMEME BOP RatesME BOP Rate
03/09/26Merrimack Mutual Fire Insurance CompanyCTCT HO Rule ManualCT HO Rate
03/09/26Merrimack Mutual Fire Insurance CompanyCTCT HO Rate WorkbookCT HO Rate
02/25/26Merrimack Mutual Fire Insurance CompanyCTCT DF RatesCT Dwelling Rate
02/12/26Merrimack Mutual Fire Insurance CompanyILSupplier Diversity Filing 2026Insurance Supplier Diversity Reports
02/12/26Merrimack Mutual Fire Insurance CompanyMAMA Rate ManualRemove AQUA Credit for New Business
02/12/26Merrimack Mutual Fire Insurance CompanyMAMA Rule ManualRemove AQUA Credit for New Business
01/23/26Merrimack Mutual Fire Insurance CompanyCTCT Rate PageCT HO Hurricane Deductible Changes
01/23/26Merrimack Mutual Fire Insurance CompanyCTCT Rate PageCT HO Hurricane Deductible Changes
01/23/26Merrimack Mutual Fire Insurance CompanyCTCT Underwriting GuidelineCT HO Hurricane Deductible Changes
01/23/26Merrimack Mutual Fire Insurance CompanyCTCT Underwriting GuidelineCT HO Hurricane Deductible Changes
01/15/26Merrimack Mutual Fire Insurance CompanyNJCompany Name ChangeName Change endorsement for Merrimack and Cambridge- BOP and Commercial Excess
12/03/25Merrimack Mutual Fire Insurance CompanyMAMA Rule PagesMA HO Clerical Filing
11/17/25Bay State Insurance CompanyNJCambridge ManualBuilder's Risk
11/17/25Bay State Insurance CompanyNJBay State ManualBuilder's Risk
11/14/25Merrimack Mutual Fire Insurance CompanyCTCT ManualCT DF HSP Rate Update
11/14/25Cambridge Mutual Fire Insurance CompanyCTCT ManualCT HO HSP Rate Update
11/03/25Merrimack Mutual Fire Insurance CompanyRIRI Rate PagesRI HO Rate
11/03/25Merrimack Mutual Fire Insurance CompanyRIRI Rate PagesRI HO Rate
10/24/25Cambridge Mutual Fire Insurance CompanyNHNH BOP Base RatesNH BOP 26
10/24/25Cambridge Mutual Fire Insurance CompanyNHNH Exception pageNH BOP 26
10/24/25Merrimack Mutual Fire Insurance CompanyMARate BookMA Dwelling 2026
10/24/25Merrimack Mutual Fire Insurance CompanyMEME RatesME Dwelling Rate 26
10/24/25Merrimack Mutual Fire Insurance CompanyCTCT Exception PageCT BOP 2025
10/22/25Merrimack Mutual Fire Insurance CompanyRIAdditional Amount of InsuranceHO form and rule updates
10/22/25Merrimack Mutual Fire Insurance CompanyRIAdditional Amount of InsuranceHO form and rule updates
10/22/25Merrimack Mutual Fire Insurance CompanyRICosmetic Damage ExclusionHO form and rule updates
10/08/25Merrimack Mutual Fire Insurance CompanyILIL HO ManualIL HO HSP Form and Rate Update
10/08/25Merrimack Mutual Fire Insurance CompanyILIL DF ExceptionsIL Dwelling HSP Form and Rate Update
10/07/25Merrimack Mutual Fire Insurance CompanyNHNH Rule ManualProfessional Services Coverage
10/07/25Merrimack Mutual Fire Insurance CompanyNHNH Rule ManualProfessional Services Coverage
10/07/25Merrimack Mutual Fire Insurance CompanyCTCT CEL ManualProfessional Services Coverage
10/07/25Merrimack Mutual Fire Insurance CompanyMEME Rule ManualProfessional Services Coverage
10/07/25Merrimack Mutual Fire Insurance CompanyMAMA Rule ManualProfessional Services Coverage
10/07/25Merrimack Mutual Fire Insurance CompanyNYNY Rule ManualProfessional Services Coverage
10/07/25Merrimack Mutual Fire Insurance CompanyNJNj Rule ManualProfessional Services Coverage
09/24/25Merrimack Mutual Fire Insurance CompanyCTCT HO Rate WorkbookCT HO Rate
09/24/25Merrimack Mutual Fire Insurance CompanyCTCT HO Rule ManualCT HO Rate
09/24/25Merrimack Mutual Fire Insurance CompanyMEME Rule ManualME Non-Smoker Credit
09/18/25Merrimack Mutual Fire Insurance CompanyNJNJ Exception PageNJ BOP Rate
09/10/25Merrimack Mutual Fire Insurance CompanyILIL DF ExceptionsIL DF 2025
09/10/25Merrimack Mutual Fire Insurance CompanyILIL DF ExceptionsIL DF 2025
09/03/25Merrimack Mutual Fire Insurance CompanyNYManualNY PUMB Rate 2025
Supporting Documentation
148 docs07/31/26Merrimack Mutual Fire Insurance CompanyILExplanatory MemorandumPersonal Injury coverage on Rented Dwellings
07/31/26Merrimack Mutual Fire Insurance CompanyILManualPersonal Injury coverage on Rented Dwellings
05/28/26Merrimack Mutual Fire Insurance CompanyNJ05/29/26 Objection SupportsNJ Personal Umbrella
05/28/26Merrimack Mutual Fire Insurance CompanyNJExplanatory MemorandumNJ Personal Umbrella
05/27/26Merrimack Mutual Fire Insurance CompanyMERevised Rate PagesME HO Rate
05/27/26Merrimack Mutual Fire Insurance CompanyMEActuarial Justification for RateME HO Rate
05/27/26Merrimack Mutual Fire Insurance CompanyMEActuarial Justification for RateME HO Rate
05/27/26Merrimack Mutual Fire Insurance CompanyMERevised Rule(s)ME HO Rate
04/06/26Merrimack Mutual Fire Insurance CompanyRIActuarial Support- RI Rate Procedural Informational Summary Form required for all New (including startups) and revisions to existing ratesRI BOP Rate
04/06/26Merrimack Mutual Fire Insurance CompanyRIActuarial Support- RI Rate Procedural Informational Summary Form required for all New (including startups) and revisions to existing ratesRI BOP Rate
04/06/26Merrimack Mutual Fire Insurance CompanyRIActuarial Support- RI Rate Procedural Informational Summary Form required for all New (including startups) and revisions to existing ratesRI BOP Rate
03/31/26Merrimack Mutual Fire Insurance CompanyMERevised FormsBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMERevised FormsBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMERevised FormsBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMERevised FormsBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMERevised FormsBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMERevised FormsBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMERevised FormsBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMERevised FormsBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMERevised FormsBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMERevised FormsBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMERevised FormsBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMERevised FormsBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMERevised FormsBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMERevised FormsBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMERevised FormsBOP Upgrade
03/31/26Merrimack Mutual Fire Insurance CompanyMERevised FormsBOP Upgrade
03/19/26Merrimack Mutual Fire Insurance CompanyMERevised Rate PagesME BOP Rate
03/19/26Merrimack Mutual Fire Insurance CompanyMEActuarial Justification for RateME BOP Rate
03/09/26Merrimack Mutual Fire Insurance CompanyCTActuarial MemorandumCT HO Rate
03/09/26Merrimack Mutual Fire Insurance CompanyCTActuarial MemorandumCT HO Rate
03/09/26Merrimack Mutual Fire Insurance CompanyCTWaterfall exhibitsCT HO Rate
03/09/26Merrimack Mutual Fire Insurance CompanyCTWaterfall exhibitsCT HO Rate
03/09/26Merrimack Mutual Fire Insurance CompanyCTChecklist - ActuarialCT HO Rate
03/09/26Merrimack Mutual Fire Insurance CompanyCTChecklist - HO RulesCT HO Rate
03/09/26Merrimack Mutual Fire Insurance CompanyCTChecklist - HO CoastalCT HO Rate
03/09/26Merrimack Mutual Fire Insurance CompanyCTSide-by-Side ComparisonCT HO Rate
03/09/26Merrimack Mutual Fire Insurance CompanyCTChecklist - HO RatesCT HO Rate
03/09/26Merrimack Mutual Fire Insurance CompanyCTSide-by-Side ComparisonCT HO Rate
02/25/26Merrimack Mutual Fire Insurance CompanyCTActuarial MemorandumCT Dwelling Rate
02/25/26Merrimack Mutual Fire Insurance CompanyCTChecklist - ActuarialCT Dwelling Rate
02/25/26Merrimack Mutual Fire Insurance CompanyCTSide-by-Side ComparisonCT Dwelling Rate
02/12/26Merrimack Mutual Fire Insurance CompanyMAActuarial Memorandum and Abstract Form - Property and Casualty InsuranceRemove AQUA Credit for New Business
02/12/26Merrimack Mutual Fire Insurance CompanyMACertification of ComplianceRemove AQUA Credit for New Business
02/12/26Merrimack Mutual Fire Insurance CompanyMABase Checklist(s) - Property and Casualty InsuranceRemove AQUA Credit for New Business
02/12/26Merrimack Mutual Fire Insurance CompanyMAAnnotated ComparisonRemove AQUA Credit for New Business
02/12/26Merrimack Mutual Fire Insurance CompanyMAAnnotated ComparisonRemove AQUA Credit for New Business
02/12/26Merrimack Mutual Fire Insurance CompanyMAActuarial Memorandum and Abstract Form - Property and Casualty InsuranceRemove AQUA Credit for New Business
02/12/26Merrimack Mutual Fire Insurance CompanyMAActuarial Memorandum and Abstract Form - Property and Casualty InsuranceRemove AQUA Credit for New Business
02/12/26Merrimack Mutual Fire Insurance CompanyMAActuarial Memorandum and Abstract Form - Property and Casualty InsuranceRemove AQUA Credit for New Business