The Mutual Way

What is Mutual Insurance?

In these days of corporate big business, the human touch is often lost. That’s why people across the province turn to Ontario Mutuals. Dumfries Mutual Insurance Company is one of the 40 mutuals in Ontario. When people need insurance protection, they often prefer to deal with a neighbour, not a stranger.

What does it mean to be an owner?

Here’s the difference between Ontario Mutuals and the large multi-national companies: Ontario Mutuals operate on a member value basis.

That means we pour our resources into service and long-term value for the policyholder – not returns for shareholders. As a policyholder, you have voting rights within the company on important decisions that will direct the successful operation of the company.

Why choose Dumfries Mutual?

Great rates that work for you

Ontario Mutuals operate on a not-for-profit basis, unlike stock companies that have to provide shareholders with dividends from profits.

Innovative products designed to fit your life

Our innovative insurance products keep pace with changing needs. We can help you with your specific personal, business, farm and auto insurance needs.

An insurance policy that makes you a company owner

Every mutual company is 100% Canadian and owned solely by its policyholders. As a policyholder, you have voting rights on important decisions.

Your voice and vote heard as an owner

All company directors are policyholders elected by policyholders. This is your guarantee that the company is committed to the best interests of all policyholders.

The protection of a financially secure insurance network

Your local mutual company may seem relatively small, yet it is backed by one of the world’s most financially secure insurance networks, 40 mutual companies known as Ontario Mutuals, providing: strength, stability and expertise.

Great service from your own neighbours

You will receive swift, courteous and knowledgeable help from people who raise their families alongside you. They’re aware of the changes happening in your community.

Are you a new Dumfries Mutual policyholder?

We would love to hear your feedback! What are we doing well and how can we improve? Please complete our new policyholder survey.