An insurance company with a difference.
Serving Oxford County and the surrounding area for over 160 years, we are more than just an insurance provider – we are a part of your community. Our deep roots and extensive knowledge allow us to understand and meet all your needs, whether it's home, auto, commercial, or farm insurance.
We are dedicated to offering you prompt and competitive insurance quotes, ensuring you get the best coverage at the best price. Our sales team, made up of experienced Agents and Brokers, brings a wealth of expertise to the table, ready to assist you with any insurance-related questions or concerns.
Our commitment to continuing education ensures that we stay up-to-date with the latest insurance products and changing laws, so you can rest assured that your coverage is always current and comprehensive.
At the heart of our service is a genuine care for our community. We are here to support you, protect you, and help you thrive.
What is Mutuality?
At the heart of our company lies the principle of mutuality. This means that we are not just an insurance provider; we are a community. Our company is owned entirely by our policyholders, who are both our customers and our owners. This unique structure ensures that every decision we make is in the best interest of those we serve.
Our governance is democratic, with a board of directors elected by our policyholders. This allows you to have a voice in how we operate, fostering a sense of belonging and shared purpose.
Any profits we make are reinvested into the company or returned to you, our valued members, through dividends or reduced premiums. This approach ensures that our success directly benefits you.
We are deeply committed to our community, striving to provide long-term stability and competitive pricing. Our focus is on building lasting relationships and offering the best possible coverage to protect what matters most to you.
In essence, mutuality means that we are here for you, with you, and because of you. Together, we create a stronger, more supportive community.
We're People Centered.
We believe in the power of personal connections. Meeting face to face allows us to understand your needs and provide the right coverage. In times of crisis, you deserve to speak with someone who knows you and your situation.
Personal Meetings: We prefer in-person policy writing.
In-House Claims: Quick, seamless, hassle-free processing.
Personalized Communication: Real people answer your calls, and we respond promptly to emails and voicemails.
We're Community Driven.
For over a century, we have been an integral part of the community in Bright, ON. Our roots run deep, and our commitment to this community is unwavering. We believe that local businesses have a responsibility to help their communities thrive, and we back our words with meaningful actions.
We actively support local initiatives, sponsor community events, and contribute to various charitable causes. Our employees volunteer their time and skills to make a positive impact. Whether it's through financial support, hands-on involvement, or simply being a reliable neighbor, we are dedicated to fostering a vibrant and resilient community.
We Give Back.
We strive to charge only what we need to, ensuring that our policyholders receive fair and transparent pricing. If our Board of Directors determines that we have collected more than necessary for the claims presented to us, we give back to our community.
In the past decade, we have mailed refund cheques to our policyholders four times. This practice reflects our commitment to fairness and our dedication to supporting our members. By returning surplus funds, we help reduce the financial burden on our policyholders and reinforce our non-profit philosophy.
We're Canadian Owned.
We are proud to be a Canadian company, owned and operated by our policyholders.
Our board of directors, elected by you at our annual meeting, are not just leaders but also your neighbors and community members.
They meet monthly to ensure that our company remains guided by the values and needs of the people we serve.
Together, we are building a stronger, more connected community..
We Have a Non-Profit Philosophy.
We proudly operate on a non-profit philosophy. Our income comes from policy premiums and investment returns, while our expenses cover claims and administrative costs. Any surplus we generate stays within the company, directly benefiting our policyholders by reducing premiums and ensuring our financial stability.
This approach means that every dollar you spend on insurance is working hard for you, reinforcing our commitment to your well-being and peace of mind.
We Have Strength in Numbers.
We are proud to be affiliated with a large group of mutual insurance companies, many of which have been serving communities for over 150 years.
Together, we form one of the most financially secure insurance groups in the world and stand as one of the largest property insurers in Ontario.
Each mutual supports the others through the Fire Mutuals Guarantee Fund and the Farm Mutual Reinsurance Plan Inc., guaranteeing that we will always be there for you when you need us most.
Land Acknowledgement
We acknowledge that the land on which we operate is the traditional territory of the Neutral, Anishinaabe, Mississauga's and Haudenosaunee peoples. We recognize the enduring presence and contributions of Indigenous peoples to this land. We are committed to building respectful relationships and supporting the well-being of Indigenous communities.