Concord Group Insurance

Concord Group Insurance: Guide for American Policyholders

Concord Group Insurance is a regional property and casualty carrier founded in 1928 and headquartered in Bedford, New Hampshire. For nearly a century it has focused on personal and commercial insurance across the Northeast — primarily Maine, Massachusetts, New Hampshire, and Vermont.

Concord Group is affiliated with Auto-Owners Insurance Group and holds an A+ (Superior) financial strength rating from AM Best. That combination matters for policyholders: local underwriting and claims handling, supported by a larger capital base and a long record of claim-paying ability.

The company distributes exclusively through independent agents — more than 600 across its operating states — rather than a pure direct-to-consumer model.

Company Profile and Market Position

Regional Carrier With Group Backing

Concord Group’s identity is straightforward:

• Northeast footprint and local risk knowledge
• independent-agent distribution
• affiliation with Auto-Owners Insurance Group
• A+ AM Best rating
• mix of personal lines, commercial lines, and selected specialty covers

Recent group reporting has pointed to continued premium growth and strong surplus levels, with commercial lines becoming a larger share of the book and Massachusetts an important growth state. For buyers, the practical signal is stability plus regional focus — not a national brand chasing every state.

Personal Insurance Products

Coverage for Homes, Vehicles, and Families

Concord Group’s personal lines typically include:

Homeowners insurance
Protection for the dwelling and personal property against covered perils such as fire, theft, and certain weather losses, plus liability coverage and additional living expenses if the home becomes uninhabitable.

Auto insurance
Liability, collision, comprehensive, uninsured/underinsured motorist, and related options with flexible limits and deductibles.

Renters and condo insurance
Personal property and liability protection for tenants and unit owners.

Recreational vehicle insurance
Coverage options for boats, motorcycles, ATVs, and other specialty vehicles.

Life insurance
Term and whole life options for families who want longer-term financial protection through the same regional agency relationship.

Exact forms, endorsements, and availability depend on state and agency appointment.

Commercial Insurance Products

Protection Built for Small and Mid-Size Businesses

Concord Group is especially relevant for Main Street and regional employers that want an agent-led commercial program.

Common commercial offerings include:

• Commercial property — buildings, equipment, inventory
• General liability — bodily injury, property damage, and related claims from operations
• Commercial auto — trucks, vans, and company vehicles
• Workers’ compensation — medical and wage benefits for workplace injuries, subject to state law
• Umbrella liability — higher limits above primary policies
• Specialty lines — professional liability, cyber liability, employment practices liability (EPLI), builders risk, and environmental coverages where available

Concord Group also emphasizes loss control and risk-management support — safety guidance, claims advocacy, and practical help that can improve results over time.

Why Policyholders Choose Concord Group

Strengths That Matter in the Northeast

• A+ AM Best rating for claim-paying ability
• New England risk familiarity, including regional weather and property exposures
• Broad product menu across personal, commercial, and specialty lines
• Independent agents who can tailor and service accounts locally
• Risk-management resources aimed at preventing losses, not only paying them
• Claims handling supported by local agency relationships and carrier claims teams

Concord Group is not positioned as a 50-state direct writer. Its value is concentrated where it actually operates and where independent agents can actively manage the account.

Real-World Coverage Examples

How the Policies Work in Practice

Manufacturing fire
A regional manufacturer suffered major equipment damage and downtime after a fire. Commercial property and business-interruption coverage helped fund repairs and offset lost income during the recovery period.

Ransomware event
A technology firm hit by ransomware used cyber liability coverage for response costs, recovery work, and related expenses, with risk specialists supporting the process.

Professional liability claim
An engineering firm faced allegations of design error. Professional liability coverage helped fund defense and resolve the matter without turning legal costs into an existential business threat.

These examples illustrate the point of a multi-line regional program: property, liability, and specialty covers working together when a single event crosses categories.

Frequently Asked Questions

What makes Concord Group different?
It pairs Auto-Owners Group financial strength with Northeast regional underwriting and service through independent agents.

Does Concord Group insure small businesses?
Yes. Small and mid-size commercial accounts are a core part of the franchise.

How do I file a claim?
Start with your independent agent. Concord Group claims teams support investigation and settlement; the agent relationship is part of the service model.

Can I bundle personal and business policies?
Often yes. Bundling can improve coordination and may create pricing advantages, depending on eligibility and state rules.

How do I get a quote?
Contact a local independent agent appointed with Concord Group through the company’s agent locator or by phone.

Where does Concord Group operate?
Primarily Maine, Massachusetts, New Hampshire, and Vermont.

Policyholder Checklist

1. Review limits every year against current home values, inventories, and business assets.
2. Ask about multi-policy packaging for home, auto, and commercial lines.
3. Tell your agent promptly about renovations, new vehicles, location changes, or business expansions.
4. Choose deductibles you can actually fund after a loss.
5. Use available loss-control guidance for property and workplace safety.
6. Keep photos, receipts, and police reports ready before you need them.
7. Evaluate cyber liability if you store customer data or depend on systems daily.
8. Save your agent’s direct contact information for claims and service.
9. Use digital tools where offered for ID cards, billing, and policy documents.
10. Consider umbrella coverage if your liability exposure exceeds primary limits.

Contact Information

Website: www.concordgroupinsurance.com
Phone: (603) 224-4086
Headquarters: Bedford, New Hampshire
Distribution: Independent agent locator on the company website

Quotes, policy changes, and most service issues are handled through appointed local agents rather than a pure direct call-center model.

Strategic Takeaways

Concord Group Insurance is a Northeast regional carrier with nearly 100 years of operating history, an A+ AM Best rating, and affiliation with Auto-Owners Insurance Group. Its practical advantages for American policyholders in Maine, Massachusetts, New Hampshire, and Vermont are local agency access, a full personal-and-commercial product set, and the financial strength to support claims.

It is a strong fit for households and small to mid-size businesses that want personalized service through an independent agent — and less of a fit for buyers seeking a fully digital, nationwide direct writer.

For people in its operating states, the next step is straightforward: compare a Concord Group quote through a local appointed agent, review deductibles and specialty gaps such as cyber or umbrella, and align limits with real property values and liability exposure.

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