Insurance Products

We’ve got you covered, with insurance for just about everything you've got.



Talk to your insurance broker or the Mutual Company convenient to you today.

It's simple. If you have a claim, we'll be there for you.

Mutual insurance began in Ontario in 1856 with a simple idea: people coming together to protect themselves in a common need. That principle still stands today.

Today, Ontario Mutuals are made up of a network of 40 independent insurance companies in hometowns across Ontario.

When you buy insurance at one of these companies, you're more than a policyholder — you're also an owner. You're insured with an independent, 100% Canadian company. A company that is deeply rooted in your community. A company with generations of experience.

Ways to Save

You could be eligible to save more if you insure other vehicles or your home, farm or business with your Mutual.

Seniors, retirees, new drivers, students living away from home, drivers with a short commute and drivers with theft deterrent devices could also qualify for added discounts.

Based on specific circumstances, Mutuals policyholders can receive discounts on a wide variety of situations:

  • Farm Vehicle Rates
  • Multi Vehicle
  • Multi Policy
  • Long Term Policyholder
  • Retiree
  • Elite Driver Rates - for drivers over 50 years of age
  • Short Commute to Work - if less than 5km
  • Driver Training
  • Student Away at School
  • New Driver

Be sure to ask your Mutuals sales professional for more information.

*Highlights only. Actual policy wordings govern. Coverage availability subject to underwriting eligibility and guidelines.

We're people centred, not call centred.

You don't buy Ontario Mutuals insurance online. You don't buy it through a call centre.

Instead you talk to a real live person right in your community. Someone who wants to get to know you and what you need.  Someone you may already know because we work where you live.

Are you a believer in Shop Local or the 100 Mile Diet?

Then Ontario Mutuals are for you. Talk to your insurance broker or the Mutual Company convenient to you today.