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We Are More Than Insurance

Rooted in the community since 1856, generations of families and businesses in the regions of Waterloo, Hamilton, Brant, Oxford, Halton and Wellington have trusted Dumfries Mutual Insurance Company for exceptional service, fair claims, and generous community support.

You’re More Than “A Client”

Dumfries is a mutual insurer, which means that we do things differently from the large corporate insurers. As a Dumfries Mutual policyholder, you are both a member and an owner of the company. When you need to make a claim, your agent is your advocate, your voice matters, and you will never feel alone. From questions to claims, we do it all in-house.

Hear From Our Policyholders

“An amazingly honest and easy to deal with company.”

— Steve L

“The rates are great, the services are amazing and, even when my agent is away, getting a backup agent is just as fast!! I have had a wonderful insurance journey. I would recommend them 100%.”

— Rosetta M

“I have been with this company for many years as have my children. I have my home and automobile insurance with them. Any claims we have had were dealt with promptly, and efficiently. The agents and staff are excellent, as is their customer service.”

— Linda P.

Get Coverage

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From homes and condos to cottages and trailers, Dumfries offers a range of residential insurance coverages.

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Grow your business with the confidence that your assets and income are properly protected.

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From hobby farms to large farming operations, Dumfries has comprehensive coverage options for your farm.

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Ensure your assets, equipment, tools, stock, sources of income, and liability are protected.

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Bundled Policies

Enjoy the peace of mind and savings that come from bundling your insurance products under one roof.

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No matter where the road takes you, protect your car, truck, motorcycles, and more with automotive insurance.

Why Choose Dumfries Mutual?

You have a voice.

You support your local community.

You speak directly with your agent.

You have coverage you can count on.

Insurance at Your Fingertips


Manage your insurance on the go with the Dumfries Connect app. Get convenient access on your computer, tablet, or mobile phone.

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