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Norfolk Mutual Fire Insurance Company
The N&D Group is a mutual insurance carrier based in Dedham, Massachusetts, comprising three regional property and casualty insurance companies which market personal and commercial insurance product lines through independent insurance agents. The group conducts business in Massachusetts, New Hampshire, and New Jersey, and wrote about $267 million in annual insurance premium in 2021. Founded as The Norfolk Mutual Fire Insurance Company in 1825, The N&D Group is one of the oldest mutual insurance companies in the United States. History As early Dedham, Massachusetts residents were establishing new farms and businesses, it became apparent that the community needed financial protection against various risks such as fire. As a result, The Norfolk Mutual Fire Insurance Company was established by a group of prominent citizens, electing John Endicott as the company's first president. In 1847, Norfolk built an office building at 4 Pearl Street in Dedham Square. For the next 40 years, the ...
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2015 N&D Logo
Fifteen or 15 may refer to: *15 (number), the natural number following 14 and preceding 16 *one of the years 15 BC, AD 15, 1915, 2015 Music *Fifteen (band), a punk rock band Albums * ''15'' (Buckcherry album), 2005 * ''15'' (Ani Lorak album), 2007 * ''15'' (Phatfish album), 2008 * ''15'' (mixtape), a 2018 mixtape by Bhad Bhabie * ''Fifteen'' (Green River Ordinance album), 2016 * ''Fifteen'' (The Wailin' Jennys album), 2017 * ''Fifteen'', a 2012 album by Colin James Songs * "Fifteen" (song), a 2008 song by Taylor Swift *"Fifteen", a song by Harry Belafonte from the album '' Love Is a Gentle Thing'' *"15", a song by Rilo Kiley from the album ''Under the Blacklight'' *"15", a song by Marilyn Manson from the album ''The High End of Low'' *"The 15th", a 1979 song by Wire Other uses *Fifteen, Ohio, a community in the United States * ''15'' (film), a 2003 Singaporean film * ''Fifteen'' (TV series), international release name of ''Hillside'', a Canadian-American teen drama *Fif ...
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New Jersey
New Jersey is a U.S. state, state in the Mid-Atlantic States, Mid-Atlantic and Northeastern United States, Northeastern regions of the United States. It is bordered on the north and east by the state of New York (state), New York; on the east, southeast, and south by the Atlantic Ocean; on the west by the Delaware River and Pennsylvania; and on the southwest by Delaware Bay and the state of Delaware. At , New Jersey is the List of U.S. states and territories by area, fifth-smallest state in land area; but with close to 9.3 million residents, it ranks List of U.S. states and territories by population, 11th in population and List of U.S. states and territories by population density, first in population density. The state capital is Trenton, New Jersey, Trenton, and the most populous city is Newark, New Jersey, Newark. With the exception of Warren County, New Jersey, Warren County, all of the state's 21 counties lie within the combined statistical areas of New York City or Delaw ...
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Financial Services Companies Established In 1825
Finance is the study and discipline of money, currency and capital assets. It is related to, but not synonymous with economics, the study of production, distribution, and consumption of money, assets, goods and services (the discipline of financial economics bridges the two). Finance activities take place in financial systems at various scopes, thus the field can be roughly divided into personal, corporate, and public finance. In a financial system, assets are bought, sold, or traded as financial instruments, such as currencies, loans, bonds, shares, stocks, options, futures, etc. Assets can also be banked, invested, and insured to maximize value and minimize loss. In practice, risks are always present in any financial action and entities. A broad range of subfields within finance exist due to its wide scope. Asset, money, risk and investment management aim to maximize value and minimize volatility. Financial analysis is viability, stability, and profitability assessment ...
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Dedham Historical Society
The Dedham Museum and Archive (formerly known as the Dedham Historical Society and Museum and the Dedham Historical Society), is an historical society dedicated to preserve and establish a greater sense of appreciation for the history of Dedham, Massachusetts. It consists of a museum and an archive. , it had nearly 1,000 members. History As early as 1853, Henry Orin Hildreth was calling for the creation of a historical society dedicated to the history of Dedham. On February 1, 1859, Hildreth, along with Calvin Guild, Danforth Phipps Wight, Jonathan Holmes Cobb, Francis Marsh, and William Bulliard met in the office of the Dedham Institution for Savings to form an organization dedicated to "preserving and transmitting to posterity all possible memorials of past and present times." At the first meeting Wight was chosen chairman and Guild secretary. A committee was then appointed consisting of Bullard, Hildreth, and Guild to draft the Constitution and by laws. These were adopted ...
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Cristo Rey Network
The Cristo Rey Network is a not-for-profit organization founded in 2000 to increase the number of schools modeled after Cristo Rey Jesuit High School in Chicago, which was founded in 1996 to prepare youth from low-income families for post-secondary educational opportunities. Schools within the Network integrate four years of college preparatory academics with continuous professional work experience that pays most of the cost of a student's education. The Network is compiled of 38 high schools delivering a career focused, college preparatory education in the Catholic tradition for students with limited economic resources, uniquely integrating rigorous academic curricula with four years of professional work experience and support to and through college. Cristo Rey partners with educators, businesses and communities to enable students to fulfill their aspirations for a lifetime of success: students are three times more likely to complete a bachelor's degree by age 24, compared to th ...
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Hurricane Andrew
Hurricane Andrew was a very powerful and destructive Category 5 Atlantic hurricane that struck the Bahamas, Florida, and Louisiana in August 1992. It is the most destructive hurricane to ever hit Florida in terms of structures damaged or destroyed, and remained the costliest in financial terms until Hurricane Irma surpassed it 25 years later. Andrew was also the strongest landfalling hurricane in the United States in decades and the costliest hurricane to strike anywhere in the country, until it was surpassed by Katrina in 2005. In addition, Andrew is one of only four tropical cyclones to make landfall in the continental United States as a Category 5, alongside the 1935 Labor Day hurricane, 1969's Camille, and 2018's Michael. While the storm also caused major damage in the Bahamas and Louisiana, the greatest impact was felt in South Florida, where the storm made landfall as a Category 5 hurricane, with 1-minute sustained wind speeds as high as 165  ...
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Charles River
The Charles River ( Massachusett: ''Quinobequin)'' (sometimes called the River Charles or simply the Charles) is an river in eastern Massachusetts. It flows northeast from Hopkinton to Boston along a highly meandering route, that doubles back on itself several times and travels through 23 cities and towns before reaching the Atlantic Ocean. The indigenous Massachusett named it ''Quinobequin'', meaning "meandering". Hydrography The Charles River is fed by approximately 80 streams and several major aquifers as it flows , starting at Teresa Road just north of Echo Lake () in Hopkinton, passing through 23 cities and towns in eastern Massachusetts before emptying into Boston Harbor. Thirty-three lakes and ponds and 35 municipalities are entirely or partially part of the Charles River drainage basin. Despite the river's length and relatively large drainage area (), its source is only from its mouth, and the river drops only from source to sea. The Charles River watershed co ...
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Norfolk County Courthouse
The Norfolk County Courthouse, also known as the William D. Delahunt courthouse, is a National Historic Landmark at 650 High Street in Dedham, Massachusetts. It currently houses the Norfolk County Superior Court. It is significant as a well-preserved Greek Revival courthouse of the 1820s, and as the site a century later of the famous Sacco-Vanzetti trial. The building was declared a National Historic Landmark in 1972, and is listed on the National Register of Historic Places. It replaced an earlier courthouse, built in 1795. Building Original construction When it became apparent that the old County Courthouse was out of date, the Norfolk County Commissioners ordered a new one to be built. They originally were seeking a utilitarian building that would be fireproof and safe to store important documents. Local boosters, however, wanted a building that aligned with the town's rapidly improving self-image. The commissioners were persuaded that something more was required... t ...
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Dedham Bank
The Dedham Bank was a bank in Dedham, Massachusetts. It was located on the corner of High and Pearl Streets. Those involved with the establishment of the bank in 1814 include Elijah Crane, Willard Gay, Samuel Haven, John Guild, Jabez Chickering, Horatio Townsend, Jeremiah Baker, and Martin Marsh. Early meetings of the bank were held at the Norfolk House. The founders asked Nathaniel Ames to be a director, but he declined, citing the large number of lawyers involved with its creation. Ten months after creation, however, the bank had 66 shareholders in Dedham, Boston, Bellingham, Medway, Dover, Walpole, Franklin, Needham, Woburn, Roxbury, Medfield, Sharon, Wrentham, Hopkington, Bridgewater, Canton, and Sherburne. Its first president was Willard Gay who lived and carried on the business of packing beef and pork at West Dedham. He resigned his office May 20, 1829 and was succeeded by John Worthington Ames. Upon the decease of Ames in 1833, Dr. Jeremy Stimson was elected on Febru ...
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Dedham Institution For Savings
Dedham Savings is one of the oldest American banks still in operation and one of the oldest banks in the state of Massachusetts still doing business under its original charter. Deposits at Dedham Savings are insured up to current limits of the Federal Deposit Insurance Corporation, which defines the institution as a community bank. The Depositors Insurance Fund insures all additional balances, up to any amount. History Originally founded as Dedham Institution for Savings on March 19, 1831, the bank has a rich history that includes connections to many prominent individuals, both locally and nationally, including Horace Mann. Sophia Foord, an acquaintance of Henry David Thoreau, was the bank's first depositor. * In 1832, one year after opening, the Bank's assets totaled nearly $30,000. * Over 100 years later, in 1942, assets were nearly $14 million. * In 2020, almost 200 years since the bank's founding, assets totaled over $1.6 billion. On May 4, 1832, The Society in D ...
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John Endicott (Dedham)
John Endicott (February 14, 1764 – January 31, 1857) was an American politician from Dedham, Massachusetts. Endicott was born in Canton, Massachusetts on February 14, 1764, and lived on East Street in Dedham. Endicott held many public offices and was an active and influential citizen of Dedham. He was a Representative to the Great and General Court from 1805 to 1814, and again in 1816, 1830, and 1834. He became a Senator from 1817 to 1819 and from 1831 to 1833. Endicott was also a member of the Massachusetts Constitutional Convention of 1820–1821 and a Presidential Elector in 1824, as well as being a member of the Executive Council from 1827 to 1830. Endicott was chosen deacon of the First Church and Parish in Dedham in 1833 and held that office for many years. He was the first President of the Norfolk Mutual Fire Insurance Company The N&D Group is a mutual insurance carrier based in Dedham, Massachusetts, comprising three regional property and casualty insurance companies ...
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Insurance Premium
Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss. An entity which provides insurance is known as an insurer, insurance company, insurance carrier, or underwriter. A person or entity who buys insurance is known as a policyholder, while a person or entity covered under the policy is called an insured. The insurance transaction involves the policyholder assuming a guaranteed, known, and relatively small loss in the form of a payment to the insurer (a premium) in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms. Furthermore, it usually involves something in which the insured has an insurable interest established by ...
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