The Andover Companies and its subsidiaries Baystate Insurance, Cambridge Mutual Fire Insurance, Merrimack Mutual Fire Insurance, are among the largest and longest-standing mutual insurance groups in the Northeast. Consistently rated "Excellent" or higher by the A.M. Best Co. for over eight decades, we provide insurance products that shield personal and commercial properties and their owners from risk. As our company approaches its 200th year, we are steadfast in our commitment to protecting our policyholders and building the most reliable network of independent agents across New England, Connecticut, New York, New Jersey, and Illinois.