Insurance carrier
N&D Union Mutual Insurance Group
Currently ranked #228 by filing activity. Activity below is based on admitted P&C product filings from Nov 4, 2025 to Nov 4, 2026.
Rank
#228
Top 500 carrier
Filings
93
11/04/25 to 11/04/26
Companies
6
States
8
State footprint
Latest
Nov 3, 2026
Avg rate increase +4.2%
flow
Tracked Filing Volume
where filings move
State Activity
rate impact
Reported Rate Impact
Filings
18
Companies
3
Avg Impact
+4.2%
Max Increase
+8.9%
Max Decrease
-2.7%
Reported rate impact by state
-2.7% to -2.7%-2.7% to +2.7%+2.7% to +5.0%+5.0% to +8.9%
Rate impact filingsShowing up to 18 filings
04/15/26Norfolk and Dedham Mutual Fire Insurance CompanyMACommercial AutoForm/Rate/Rule+8.9%-
05/15/26Fitchburg Mutual Insurance CompanyNJNJ Legacy UmbrellaRate/Rule+6.9%+15.4%
05/12/26Norfolk and Dedham Mutual Fire Insurance CompanyNJNJ NP UmbrellaRate/Rule+6.9%+10.1%
04/23/26Fitchburg Mutual Insurance CompanyNJCommercial AutoForm/Rate/Rule+6.5%+8.7%
05/07/26Norfolk and Dedham Mutual Fire Insurance CompanyNJNJ NextPak HomeRate/Rule+6.0%+24.2%
05/11/26Fitchburg Mutual Insurance CompanyNJNJ Legacy HomeRate/Rule+5.0%+9.1%
01/20/26Union Mutual Fire Insurance CompanyMADWP Rate - LCMRate/Rule+5.0%+6.3%
01/15/26Union Mutual Fire Insurance CompanyMADWP Rate - LCMRate/Rule+5.0%+6.3%
02/03/26Norfolk and Dedham Mutual Fire Insurance CompanyMACommercial PropertyRate/Rule+4.7%-
02/03/26Norfolk and Dedham Mutual Fire Insurance CompanyMACommercial PackageRate/Rule+3.9%-
11/18/25Union Mutual Fire Insurance CompanyMAHOP Rate - Loss Cost MultiplierRate/Rule+3.7%+10.6%
11/17/25Union Mutual Fire Insurance CompanyMAHOP RateRule - LCM and Superior HomeRate/Rule+3.7%+10.6%
11/13/25Norfolk and Dedham Mutual Fire Insurance CompanyMABusinessownersForm/Rate/Rule+3.4%-
03/19/26Norfolk and Dedham Mutual Fire Insurance CompanyMAPrivate Passenger AutomobileForm/Rate/Rule+2.9%+18.2%
02/03/26Norfolk and Dedham Mutual Fire Insurance CompanyMACommercial GLRate/Rule+2.7%-
11/13/25Fitchburg Mutual Insurance CompanyNJBusinessownersForm/Rate/Rule+2.5%+16.3%
02/03/26Fitchburg Mutual Insurance CompanyNJCommercial PackageRate/Rule+1.4%-
11/03/26Union Mutual Fire Insurance CompanyVTVT HOP RateRuleForm - Credit ChangesForm/Rate/Rule-2.7%+24.6%
product mix by company
Top 5 companies
Union Mutual Fire Insurance Company41 filings
Updated Policy Jacket with Language and Signature5
BOP FormRule - EnviroPak4
BOP RateRule - LCM and Loyalty3
HOP Guidelines Update3
PUP Guidelines Update3
Norfolk and Dedham Mutual Fire Insurance Company27 filings
Businessowners3
Commercial Package2
Commercial Property2
Commercial Umbrella2
MA NextPak HO2
Fitchburg Mutual Insurance Company15 filings
Businessowners4
Commercial Package3
Commercial Auto2
MA NextPak HO2
MA Homeowners1
Dorchester Mutual Insurance Company5 filings
MA NextPak HO2
MA DF1
MA Homeowners1
PL Interline1
New England Guaranty Insurance Company, Inc.4 filings
DWP Rate - LCM2
BOP FormRule - EnviroPak1
BOP Rule - EnviroPak1
live tape
Recent Documents
Forms
45 docs11/03/26Union Mutual Fire Insurance CompanyVTHO 86 79 02 27 Elite Endorsement.pdfVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTHO24040922.pdfVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTHO 90 06 02 27 Blanket Jewelry.pdfVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTHO 90 00 02 27 Clean copy.pdfVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTH04115U.pdfVT HOP RateRuleForm - Credit Changes
11/02/26Fitchburg Mutual Insurance CompanyNJBP_02_55_04_27_Asbestos_Exclusion_CLEAN.pdfBusinessowners
09/23/26Union Mutual Fire Insurance CompanyMERenewal-Letter-2027.pdfME FORM - Policy Jacket and Letters
09/23/26Union Mutual Fire Insurance CompanyMENew-Business-Welcome-Letter-2027.pdfME FORM - Policy Jacket and Letters
09/23/26Union Mutual Fire Insurance CompanyMEPOLJAC-2027.pdfME FORM - Policy Jacket and Letters
09/23/26Union Mutual Fire Insurance CompanyCTPOLJAC-2027.pdfCT FORM - Policy Jacket and Letters
09/23/26Union Mutual Fire Insurance CompanyMARenewal-Letter-2027.pdfMA PL FORM - Policy Jacket and Letters
09/23/26Union Mutual Fire Insurance CompanyMANew-Business-Welcome-Letter-2027.pdfMA PL FORM - Policy Jacket and Letters
08/17/26Norfolk and Dedham Mutual Fire Insurance CompanyMAND06591226_LimitedLossSettlementForWindstormOrHailLossesToRoofSurfacing-MA_20260522_v2.pdfMA NextPak HO
08/17/26Norfolk and Dedham Mutual Fire Insurance CompanyMAHO 00 06 05 11 Homeowners 6 - Unit Owners Form.pdfMA NextPak HO
08/17/26Norfolk and Dedham Mutual Fire Insurance CompanyMAHO 00 05 05 11 Homeownes 5 - Comprehensive Form.pdfMA NextPak HO
08/17/26Norfolk and Dedham Mutual Fire Insurance CompanyMAHO 00 04 05 11 Homeowners 4 - Contents Broad Form.pdfMA NextPak HO
08/17/26Norfolk and Dedham Mutual Fire Insurance CompanyMAHO 00 03 05 11 Homeowners 3 - Special Form.pdfMA NextPak HO
08/17/26Norfolk and Dedham Mutual Fire Insurance CompanyNJND06461226_LimitedLossSettlementForWindstormOrHailLossesToRoofSurfacing-NJ.pdfNextPak HO
07/28/26Union Mutual Fire Insurance CompanyMAPOLJAC-2026.pdfCL Interline Form - Policy Jacket
04/23/26Fitchburg Mutual Insurance CompanyNJCA ND 01 09 26.pdfCommercial Auto
04/23/26Fitchburg Mutual Insurance CompanyNJIL P 001 01 25.pdfCommercial Auto
03/19/26Norfolk and Dedham Mutual Fire Insurance CompanyMAND-0001-S 10 26 v7.pdfPrivate Passenger Automobile
02/27/26Norfolk and Dedham Mutual Fire Insurance CompanyMAND-0099-S 07 26 Proposed.pdfMA PPA
02/27/26Norfolk and Dedham Mutual Fire Insurance CompanyMAND-0100-S 07 26 Proposed v2a.pdfMA PPA
01/22/26Union Mutual Fire Insurance CompanyCTCT Flood Notice.pdfHOP DWP Form - Flood Disclosure
01/13/26Union Mutual Fire Insurance CompanyMABP 80 80 04 26 EnviroPak Endorsement.pdfBOP FormRule - EnviroPak
01/12/26Union Mutual Fire Insurance CompanyCTBP 80 83 04 26 EnviroPak Amendatory Endorsement - CT - Amended.pdfBOP Form - EnviroPak
01/12/26Union Mutual Fire Insurance CompanyMEBP 80 81 04 26 EnviroPak Endorsement.pdfBOP FormRule - EnviroPak
01/08/26Union Mutual Fire Insurance CompanyVTBP 80 85 04 26 EnviroPak Endorsement.pdfBOP FormRule - EnviroPak
01/08/26Union Mutual Fire Insurance CompanyRIRI Acknowledgment Enviro_FINAL_2026.02.02.pdfBOP FormRule - EnviroPak
12/18/25Fitchburg Mutual Insurance CompanyNJCGND 001 04 26.pdfCommercial Package
12/05/25Union Mutual Fire Insurance CompanyMAMA Renewal Negative Option Notice.pdfMA Form - PL Negative Option Notice
12/05/25Union Mutual Fire Insurance CompanyMAPUP Application with 940 CMR 38 blank.pdfMA Form - PL Negative Option Notice
12/05/25Union Mutual Fire Insurance CompanyMAHOP Application with 940 CMR 38 blank.pdfMA Form - PL Negative Option Notice
12/05/25Union Mutual Fire Insurance CompanyMADWP Application with 940 CMR 38 blank.pdfMA Form - PL Negative Option Notice
12/05/25Union Mutual Fire Insurance CompanyMAMA Renewal Negative Option Notice.pdfMA Form - CL Negative Option Notice
12/05/25Union Mutual Fire Insurance CompanyMACUP Application with 940 CMR 38.pdfMA Form - CL Negative Option Notice
12/05/25Union Mutual Fire Insurance CompanyMABOP Application with 940 CMR 38.pdfMA Form - CL Negative Option Notice
12/01/25Norfolk and Dedham Mutual Fire Insurance CompanyMACUND 001 Exclusion - Human Trafficking v3.pdfCommercial Umbrella
11/25/25Norfolk and Dedham Mutual Fire Insurance CompanyMAPPA PrintApp Proposed 2026 v5a.pdfMA PPA
11/25/25Norfolk and Dedham Mutual Fire Insurance CompanyMAILND 001 03 26 v6a.pdfMA PPA
11/25/25Norfolk and Dedham Mutual Fire Insurance CompanyMAMA DF PrintApp Template v4.pdfMA DF
11/25/25Norfolk and Dedham Mutual Fire Insurance CompanyMAMA Homeowners Application 03-26 v6.pdfMA NextPak HO
11/13/25Fitchburg Mutual Insurance CompanyNJBP 02 59 04 26.pdfBusinessowners
11/13/25Fitchburg Mutual Insurance CompanyNJBPND 003 Exclusion - Human Trafficking v5.pdfBusinessowners
Rate/Rule
73 docs11/03/26Union Mutual Fire Insurance CompanyVTException to the ISO Homeowners Policy Program Manual - Maximum Premium Change Based On CreditsVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTException to the ISO Homeowners Policy Program Manual - Waiver of TheftVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTException to the ISO Homeowners Policy Program Manual - Mortgage Free CreditVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTException to the ISO Homeowners Policy Program Manual - Account CreditVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTException to the ISO Homeowners Policy Program Manual - Electrical Monitoring CreditVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTException to the ISO Homeowners Policy Program Manual - Water Shut-off CreditVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTException to the ISO Homeowners Policy Program Manual - Temperature Monitoring CreditVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTException to the ISO Homeowners Policy Program Manual - Elite EndorsementVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTException to the ISO Homeowners Policy Program Manual - Home Improvement CreditsVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTException to the ISO Homeowners Policy Program Manual - Superior Home CreditVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTException to the ISO Homeowners Policy Program Manual - In-Line Generator CreditVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTException to the ISO Homeowners Policy Program Manual - Premier Home CreditVT HOP RateRuleForm - Credit Changes
11/02/26Fitchburg Mutual Insurance CompanyNJNJ Exc PgsBusinessowners
11/02/26Fitchburg Mutual Insurance CompanyNJCompany Classification TableBusinessowners
08/21/26Union Mutual Fire Insurance CompanyNHUnderwriting Guidelines - HomeownersHOP Guidelines Update
08/21/26Union Mutual Fire Insurance CompanyMEUnderwriting Guidelines - HomeownersHOP Guidelines Update
08/17/26Norfolk and Dedham Mutual Fire Insurance CompanyMAMA Nextpak HO Exception PagesMA NextPak HO
08/17/26Norfolk and Dedham Mutual Fire Insurance CompanyNJNJ HO Rate & Rule Exception PagesNextPak HO
07/16/26Union Mutual Fire Insurance CompanyNHLoss Cost MultiplierBOP RateRule - LCM and Loyalty
07/16/26Union Mutual Fire Insurance CompanyNHException to the ISO Businessowners Manual - Loyalty CreditBOP RateRule - LCM and Loyalty
07/15/26Union Mutual Fire Insurance CompanyMELoss Cost MultiplierBOP RateRule - LCM and Loyalty
07/15/26Union Mutual Fire Insurance CompanyMEException to the ISO Businessowners Manual - Loyalty CreditBOP RateRule - LCM and Loyalty
06/16/26Fitchburg Mutual Insurance CompanyNJNJ Exc PgsBusinessowners
06/16/26Norfolk and Dedham Mutual Fire Insurance CompanyMAException PagesBusinessowners
06/11/26Union Mutual Fire Insurance CompanyNHPersonal Umbrella Guidelines 2026PUP Guidelines Update
06/11/26Union Mutual Fire Insurance CompanyMEPersonal Umbrella Guidelines 2026PUP Guidelines Update
05/12/26Norfolk and Dedham Mutual Fire Insurance CompanyNJPersonal Umbrella Liability Coverage Program ManualNJ NP Umbrella
05/11/26Fitchburg Mutual Insurance CompanyNJRate PagesNJ Legacy Home
05/07/26Norfolk and Dedham Mutual Fire Insurance CompanyNJNJ HO Rate & Rule Exception PagesNJ NextPak Home
05/07/26Norfolk and Dedham Mutual Fire Insurance CompanyNJNJ HO Rate & Rule Exception PagesNJ NextPak Home
05/07/26Norfolk and Dedham Mutual Fire Insurance CompanyNJNJ HO Rate & Rule Exception PagesNJ NextPak Home
04/23/26Fitchburg Mutual Insurance CompanyNJAdditional RulesCommercial Auto
04/15/26Norfolk and Dedham Mutual Fire Insurance CompanyMAMA Commercial Auto Exception PagesCommercial Auto
03/19/26Norfolk and Dedham Mutual Fire Insurance CompanyMARule ManualPrivate Passenger Automobile
03/19/26Norfolk and Dedham Mutual Fire Insurance CompanyMARule ManualPrivate Passenger Automobile
03/19/26Norfolk and Dedham Mutual Fire Insurance CompanyMARate PagesPrivate Passenger Automobile
03/19/26Norfolk and Dedham Mutual Fire Insurance CompanyMARate PagesPrivate Passenger Automobile
03/19/26Norfolk and Dedham Mutual Fire Insurance CompanyMARate PagesPrivate Passenger Automobile
03/19/26Norfolk and Dedham Mutual Fire Insurance CompanyMARule ManualPrivate Passenger Automobile
03/19/26Norfolk and Dedham Mutual Fire Insurance CompanyMARate PagesPrivate Passenger Automobile
03/19/26Norfolk and Dedham Mutual Fire Insurance CompanyMARule ManualPrivate Passenger Automobile
03/17/26Union Mutual Fire Insurance CompanyMAEnviroPak EndorsementBOP Rule - EnviroPak
03/05/26Union Mutual Fire Insurance CompanyNHLoss Free CreditHOP Rate Rule - LCM and Loss Free
03/05/26Union Mutual Fire Insurance CompanyNHLoss Cost MultiplierHOP Rate Rule - LCM and Loss Free
03/05/26Union Mutual Fire Insurance CompanyNHLoyalty CreditHOP Rate Rule - LCM and Loss Free
03/05/26Union Mutual Fire Insurance CompanyMELoss Cost MultiplierHOP Rate Rule - LCM and Loss Free
03/05/26Union Mutual Fire Insurance CompanyMELoss Free CreditHOP Rate Rule - LCM and Loss Free
03/05/26Union Mutual Fire Insurance CompanyMELoyalty CreditHOP Rate Rule - LCM and Loss Free
03/05/26Union Mutual Fire Insurance CompanyVTLoss Free CreditHOP RateRule - LCM and Loss Free
03/05/26Union Mutual Fire Insurance CompanyVTLoss Cost MultiplierHOP RateRule - LCM and Loss Free
Supporting Documentation
323 docs11/03/26Union Mutual Fire Insurance CompanyVTFiling MemorandumVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTSide-By-Side ComparisonsVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTSide-By-Side ComparisonsVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTSide-By-Side ComparisonsVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTSide-By-Side ComparisonsVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTSide-By-Side ComparisonsVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTSide-By-Side ComparisonsVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTSide-By-Side ComparisonsVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTSide-By-Side ComparisonsVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTSide-By-Side ComparisonsVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTSide-By-Side ComparisonsVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTPolicy Forms and EndorsementsVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTPolicy Forms and EndorsementsVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTHistogramsVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTCertification – Rate or Premium Stability RulesVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTActuarial Memorandum - HomeownersVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTActuarial Memorandum - HomeownersVT HOP RateRuleForm - Credit Changes
11/03/26Union Mutual Fire Insurance CompanyVTActuarial Indication ChecklistVT HOP RateRuleForm - Credit Changes
11/02/26Fitchburg Mutual Insurance CompanyNJExpense ExhibitBusinessowners
11/02/26Fitchburg Mutual Insurance CompanyNJUncapped Rate Change HistogramBusinessowners
11/02/26Fitchburg Mutual Insurance CompanyNJLoss Cost Adoption Forms (Liability and Non-Liability)Businessowners
11/02/26Fitchburg Mutual Insurance CompanyNJSide by Side ComparisonBusinessowners
11/02/26Fitchburg Mutual Insurance CompanyNJLoss Cost Adoption Forms (Liability and Non-Liability)Businessowners
11/02/26Fitchburg Mutual Insurance CompanyNJSide by Side ComparisonBusinessowners
11/02/26Fitchburg Mutual Insurance CompanyNJSide by Side ComparisonBusinessowners
11/02/26Fitchburg Mutual Insurance CompanyNJExplanatory MemorandumBusinessowners
09/23/26Union Mutual Fire Insurance CompanyMEExplanatory MemorandumME FORM - Policy Jacket and Letters
09/23/26Union Mutual Fire Insurance CompanyMEAnnotated ComparisonME FORM - Policy Jacket and Letters
09/23/26Union Mutual Fire Insurance CompanyVTExplanatory MemorandumVT FORM - Policy Jacket and Letters
09/23/26Union Mutual Fire Insurance CompanyCTActuarial MemorandumCT FORM - Policy Jacket and Letters
09/23/26Union Mutual Fire Insurance CompanyRIExplanatory MemorandumRI FORM - Policy Jacket and Letters
09/23/26Union Mutual Fire Insurance CompanyMAExplanatory MemorandumMA CL FORM - Policy Jacket and Letters
09/23/26Union Mutual Fire Insurance CompanyMACertification of ComplianceMA CL FORM - Policy Jacket and Letters
09/23/26Union Mutual Fire Insurance CompanyMAForm Utilization ListMA CL FORM - Policy Jacket and Letters
09/23/26Union Mutual Fire Insurance CompanyMAForm Utilization ListMA CL FORM - Policy Jacket and Letters
09/23/26Union Mutual Fire Insurance CompanyMAFiling MemorandumMA PL FORM - Policy Jacket and Letters
09/23/26Union Mutual Fire Insurance CompanyMACertification of ComplianceMA PL FORM - Policy Jacket and Letters
09/23/26Union Mutual Fire Insurance CompanyMAForm Utilization ListMA PL FORM - Policy Jacket and Letters
09/23/26Union Mutual Fire Insurance CompanyMAForm Utilization ListMA PL FORM - Policy Jacket and Letters
09/18/26Fitchburg Mutual Insurance CompanyNJExplanatory MemorandumCommercial Package
09/18/26Norfolk and Dedham Mutual Fire Insurance CompanyMAForm Utilization ListCommercial Package
09/18/26Norfolk and Dedham Mutual Fire Insurance CompanyMAPolicy Endorsement ListCommercial Package
09/18/26Norfolk and Dedham Mutual Fire Insurance CompanyMACertification of ComplianceCommercial Package
09/18/26Norfolk and Dedham Mutual Fire Insurance CompanyMAPolicy Endorsement ListCommercial Property
09/18/26Norfolk and Dedham Mutual Fire Insurance CompanyMAForm Utilization ListCommercial Property
09/18/26Norfolk and Dedham Mutual Fire Insurance CompanyMACertification of ComplianceCommercial Property
09/18/26Norfolk and Dedham Mutual Fire Insurance CompanyMAPolicy Endorsement ListCommercial Umbrella
09/18/26Norfolk and Dedham Mutual Fire Insurance CompanyMAForm Utilization ListCommercial Umbrella
09/18/26Norfolk and Dedham Mutual Fire Insurance CompanyMACertification of ComplianceCommercial Umbrella
09/18/26Norfolk and Dedham Mutual Fire Insurance CompanyMAPolicy Endorsement ListCommercial Inland Marine