NATIONAL INSURANCE GUIDE

Concord Group Insurance

Concord Group Insurance: Comprehensive Guide for American Policyholders

Company Foundation

Concord Group Insurance is a respected regional insurer founded in 1928, headquartered in Bedford, New Hampshire. With close to a century of experience, it has grown to serve customers primarily across the Northeastern United States, including Maine, Massachusetts, New Hampshire, and Vermont. As part of the Auto-Owners Insurance Group™, Concord Group benefits from a strong balance sheet and an A+ (Superior) financial strength rating by AM Best — a signal of stability and reliability.

By working exclusively through more than 600 independent insurance agents in its operating states, Concord Group provides personalized, local service backed by national resources. This agent network fosters long-term partnerships and deep community ties, allowing tailored insurance solutions suited to the unique needs of individuals and businesses.

Overview of Concord Group Insurance Products

Concord Group offers a wide array of insurance products designed to cover both personal and commercial risks. The company focuses on protecting homes, autos, businesses, and families with thoughtfully structured policies.

Personal Insurance

Homeowners Insurance: Covers damage to your home and belongings from events such as fire, theft, or natural disasters. Offers liability protection and living expenses coverage if displacement occurs.
Auto Insurance: Provides liability, collision, comprehensive, uninsured motorist, and other coverages with flexible limits and deductibles tailored to policyholder needs.
Renters and Condo Insurance: Protects your personal property and liability in rental or condominium units.
Recreational Vehicle Insurance: For boats, motorcycles, ATVs, and other specialty vehicles.
Life Insurance: Including term and whole life options, helping families plan for long-term financial security.

Commercial Insurance

Commercial Property Insurance: Protects business physical assets, including buildings, equipment, and inventory.
General Liability: Covers bodily injury, property damage, and personal injury claims related to business operations.
Commercial Auto: Insures business vehicles including trucks, vans, and company cars.
Workers’ Compensation: Meets state requirements while providing medical care and wage coverage for workplace injuries.
Umbrella Insurance: Supplements primary liability limits for catastrophic claims.
Specialty Lines: Professional liability, cyber liability, employment practices liability (EPLI), builders risk, and environmental coverages.

Concord Group also emphasizes risk management by offering safety consulting, loss control, and claims advocacy, improving risk profiles and helping to lower costs.

Frequently Asked Questions

What makes Concord Group unique?

Concord Group combines the financial stability of Auto-Owners Insurance with local community expertise. Their independent agents provide personalized service rather than cookie-cutter offerings.

Can I get insurance for a small business?

Yes, Concord Group specializes in small to mid-size business coverage tailored across many industries.

How do I file a claim?

Claims are handled locally through your agent with support from Concord’s experienced claims teams for prompt and fair resolution.

Can I buy personal and business insurance together?

Absolutely. While standalone policies are accepted, bundling multiple lines can provide discounts and better coverage coordination.

How do I get a quote?

Reach out to a local independent agent via Concord Group’s website or by phone for a customized consultation.

Real-World Case Studies

Fire at a Manufacturing Plant

A regional manufacturer suffered a substantial fire damaging equipment and halting production. Concord Group’s commercial property and business interruption coverage enabled fast claims payment, minimizing financial loss and downtime.

Cyberattack on a Tech Company

After a ransomware incident, Concord Group’s cyber liability insurance and risk experts helped cover response costs, data recovery, and regulatory fines, softening the financial impact and protecting the client’s reputation.

Professional Errors Lawsuit

An engineering firm faced litigation for alleged design errors. Concord Group’s professional liability policy provided defense coverage and helped settle favorably, preventing devastating legal costs.

Advantages of Choosing Concord Group Insurance

A+ AM Best Financial Strength: Ensures claims will be paid reliably.
Regional Expertise: Deep understanding of New England’s risks and climate.
Wide Product Selection: Personal lines, commercial, and specialty insurance tailored to you.
Dedicated Independent Agents: Personalized representation and advocacy.
Risk Management Support: Prevent losses and control insurance costs.
Responsive Claims Service: Local adjusters and efficient handling.

How to Contact Concord Group

Website: www.concordgroupinsurance.com
Phone: (603) 224-4086
Headquarters: 4 Bouton Street, Concord, NH 03301
Agent Locator: Find your local independent agent on the website.

Checklist for Concord Group Policyholders: Practical Tips

Review Your Coverage Annually: Ensure limits reflect current home value, business assets, and liability exposures.
Bundle Personal and Commercial Policies: Explore discounts and streamlined claims.
Keep Records Updated: Notify your agent of business changes, vehicle purchases, or home renovations.
Understand Your Deductibles: Balance premium cost vs. out-of-pocket expenses.
Take Advantage of Risk Management Services: Use Concord’s safety resources to reduce loss frequency.
Maintain Documentation for Claims: Photos, receipts, and police reports expedite settlement.
Ask About Cyber Liability Coverage: Protect against ransomware and data breaches.
Verify Agent Contact Information: Have direct agent details handy for questions or emergencies.
Make Use of Concord Mobile App: Access insurance cards, pay bills, and manage policies easily.
Consider Umbrella Insurance: For extra liability protection beyond standard policy limits.

Conclusion

Concord Group Insurance offers a robust combination of financial strength, product diversity, and personalized service tailored to the American Northeast market. Whether securing your home, auto, or business, Concord’s local agents stand ready to help you navigate risks confidently and protect what matters most.

Life Insurance in the U.S. – Life Insurance in the U.S.

Best Life Insurance Policies – Best Life Insurance Policies

Disability Insurance – Disability Insurance

How to Apply for Life Insurance – How to Apply for Life Insurance

Life Insurance for American Foreign Service – Life Insurance for American Foreign Service

Life Insurance for Young Adults – Life Insurance for Young Adults

Life Insurance for Americans Aged 50-59 – Life Insurance for Americans Aged 50–59

Life insurance after 60 – Life insurance after 60

Term Life Insurance in the U.S. – Term Life Insurance in the U.S.

Umbrella Insurance – Umbrella Insurance