In 1972, The Commerce Group, Inc. was founded in the town of Webster, Massachusetts by a group of independent agents and investors. This group of people recognized the need to provide the independent agents of Massachusetts with a badly needed marketplace to insure their customers private passenger automobiles. From its modest beginnings, the company has grown to become the largest provider of private passenger automobile insurance in Massachusetts, insuring nearly one out of every four registered automobiles in the state. In addition, The Commerce Group, Inc. is the second leading provider of Homeowners insurance and fourth leading writer of Commercial Automobile insurance in Massachusetts. Today, Commerce Group, Inc. has more than $1.8 billion in assets, insures more than 750,000 people throughout Massachusetts and employs over 1,500 people. The company is conservatively managed to protect its financial stability and solvency. The net premium written to statutory surplus, a measure of financial solvency of an insurer, is extremely strong, another indication that Commerce will be there when you need us most.

Fireman's Fund works to provide business and personal insurance and to bring customers the highest caliber of claims service. We offer state-of-the-art insurance products and continuously explore new products and possibilities. We are pioneers in the development of special events coverage and have insured high-profile events and dozens of sports franchises. Along with standard insurance coverages, Fireman's Fund has developed unique specialized products like wedding cancellation and hole-in-one coverage, while remaining highly competitive in other areas such as upscale homeowners insurance and commercial insurance.

The Quincy Mutual Fire Insurance Company has proudly provided consumers with insurance protection for more than 150 years. We continue to build on that tradition by using the knowledge and expertise of our employees and independent agents to meet your needs.

Holyoke Mutual Insurance Company markets property and casualty insurance and related services to individuals, independent businesses, and public and private institutions at a price commensurate with the cost of providing high quality protection and service while maintaining the financial integrity of the company through prudent management of its affairs. This is our continuing corporate mission as reflected by over a century and a half of Holyoke tradition.

Congress enacted the Urban Property Protection and Reinsurance Act of 1968, which authorized the establishment of FAIR Plans and made available federal riot reinsurance to the companies. The Massachusetts Legislature responded with the enactment of chapter 731 of the Acts of 1968 which formed the Massachusetts Property Insurance Underwriting Association under regulatory supervision of the Massachusetts Insurance Department. The Commissioner of Insurance further designated the entire commonwealth an "Urban Area," with the result that FAIR Plan coverage is available on a statewide basis.