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Introducing HD Mutual

On January 1st, 2024 Halwell Mutual and Dumfries Mutual, with over 160 years of dedicated service, united to create a new era in insurance excellence.

With shared legacies deeply rooted in community service and a commitment to protecting what matters most, our combined strength ensures a trusted, reliable, and enhanced experience for our clients.

At Halwell Dumfries Mutual Insurance Company, our trusted brokers and preferred agents in your communities are ready to offer you personalized quotes and services seamlessly.

Notice of Annual and Special General Meeting – Tuesday, March 26, 2024

You’re More Than “A Client”

Halwell Dumfries Mutual Insurance Company is a mutual insurer, which means that we do things differently from the large corporate insurers. As a HD 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


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


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


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


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

Bundled Policies

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


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

Why Choose HD Mutual?


You have a voice.

You support your local community.

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You speak directly with your agent or broker.

You have coverage you can count on.

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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.


Meet the 2023 Dumfries Mutual Scholarship Winners

The team at Dumfries Mutual understands the importance of lending a helping hand, whether it’s assisting our policyholders, supporting our community, or collaborating with our colleagues to achieve our common goals. Throughout the final stretch of the summer season, we were able to celebrate five local students, with $1,000 scholarship cheques. Entrants were asked to […]

Know Before You Tow

Ontario is one of the busiest provinces in Canada. Accordingly its towing industry has experienced significant growth over the years with increased congestion on the roads creating a higher demand for towing services to assist with incidents such as breakdowns, illegal parking, motor collisions and more. As motorists, it is important to be mindful of […]

Mutuality at Work – PART SIX

In our Fall Blog, we had the opportunity to feature our friends at the Rockton World’s Fair who appreciate mutuality – giving back to the community that supports them. In this month’s blog, Mutuality at Work – PART SIX, we feature our policyholders in Paris and Lynden that focus on making a difference in their communities […]

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