Howick Mutual Insurance Company

Published On October 1, 2017 | By Blackburn Radio | Business of the Month

Rooted in the Community

The Howick Mutual Insurance Company is one of the 41 independent, 100% Canadian, property and casualty insurance companies across the province. Community based, Howick Mutual is owned and operated for the benefit of policyholders. There are no shareholders. The nine Board of Directors are elected from among the policyholders.

Premiums, together with income from investments are used to pay losses sustained by our policyholders as well as the expenses of running the company. Any excess surplus generated on a year to year basis remains within the Company to ensure it can continue to grow and expand products to new and existing policyholders.

Our employees live in the rural communities and understand the needs of the rural people who require diverse coverage’s for their valued possessions and business pursuits. The company is also proud to be able to invest some of their profits by supporting local communities, including health care, agricultural events and societies, volunteer groups, educational bursaries and various minor sports.

A rich history

Howick Mutual was formed in 1873 and has remained strong, stable and reliable throughout the years. Although our roots are agricultural, today we off a full range of home, auto, business and farm insurance. We are part of the fabric of communities across the province, and have been for generations.

A strong & highly sophisticated financial model 

Howick Mutual participates in what is called the Fire Mutual Guarantee Fund. The fund places surplus of all member companies behind any one of the members of the Mutual system.

The Mutual’s also have their own reinsurance company. FMRP was the first Canadian-owned reinsurance company when formed in 1959 and is one of only two Canadian-owned reinsurers in existence today.


Phone: (800) 265-3033

Local: (519) 335-3561

Fax: (519) 335-6416


Email: [email protected]

Office Hours:

Monday – Friday 8:00AM to 5:00PM

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