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Your Trusted Insurance Partner in Ontario
Erie Mutual Insurance has been a trusted provider of personalized insurance solutions since 1871, serving communities across Ontario with integrity and dedication. As a member-owned mutual insurance company, we prioritize the needs of our policyholders, offering tailored coverage for home, auto, farm, and business insurance. Our team of experienced professionals is committed to delivering exceptional service, transparent communication, and proactive risk management to protect what matters most to our clients.With a focus on local expertise and community involvement, we combine over 150 years of experience with innovative solutions like DriveMutual telematics and cyber incident response planning. Our financial stability, demonstrated through annual transparency reports and member-driven governance, ensures long-term reliability for every client we serve.
Services
Home Insurance
Auto Insurance
Farm Insurance
Business Insurance
Condo Insurance
Rental Property Insurance
Tractor Insurance
Cyber Insurance
Umbrella Coverage
DriveMutual Telematics Program
Highlights and features
- We've served Ontario communities with personalized insurance solutions since 1871
- Our member-owned structure prioritizes client needs over corporate profits
- Local agents provide personalized service with deep community knowledge
- Annual financial transparency reports demonstrate our long-term stability
- Proactive loss prevention visits included with every property policy
What people say
Prompt claims resolution
Knowledgeable staff
Personalized attention
Local expertise
Financial stability
Services
Home Insurance
Comprehensive home insurance protects your primary residence, rental properties, condos, and seasonal cottages. Coverage includes building structures, personal property, liability protection, and specialized options like sewer backup and flood coverage. Our policies offer replacement cost coverage for contents and guaranteed replacement cost for buildings, ensuring full recovery after losses. Local agents help customize limits to match property values and risk assessments.
Auto Insurance
Personal and commercial auto insurance covers cars, motorcycles, motorhomes, ATVs, and specialty vehicles. Policies include liability, collision, comprehensive coverage, and optional endorsements like accident forgiveness and rental reimbursement. The DriveMutual telematics program rewards safe driving behaviors with potential premium reductions. Commercial auto policies address business-specific needs for trucks and equipment.
Farm Insurance
Customized farm insurance protects agricultural operations with coverage for buildings, equipment, livestock, and crops. Policies include loss of income protection, equipment breakdown coverage, and liability for farming activities. Specialized options address unique risks like farmers' accidents and non-owned livestock. Our agents understand agri-business operations and provide on-site risk assessments.
Business Insurance
Tailored commercial insurance packages cover liability, property damage, business interruption, and specialized risks. Solutions available for contractors, restaurants, home-based businesses, and professional services. Coverage includes general liability, product liability, cyber insurance, and equipment protection. Policies can be bundled with personal insurance for combined benefits and increased limits.
Loss Prevention
Proactive loss prevention services include free property inspections and safety assessments. Our team identifies risks for homes and businesses, providing recommendations to improve safety and potentially reduce insurance costs. Regular visits ensure ongoing protection and updated coverage as needs change, demonstrating our commitment to preventing losses before they occur.
People
Don McEvoy
President & CEO
Certified Chartered Accountant with extensive insurance industry leadership experience, overseeing Erie Mutual's strategic direction and financial stewardship since joining the company.
George Nikolaidis
Chief Operating Officer
Insurance professional with designations in underwriting and risk management, responsible for day-to-day operations and service delivery excellence across all business lines.
Chris McIntosh
Claims Manager
Experienced insurance claims professional leading the team that ensures prompt, fair, and efficient resolution of all claims while maintaining compassionate client support during difficult times.
Darcy A. Johnson
Marketing & Business Development Manager
Marketing leader developing strategic initiatives to enhance member experience and community engagement while promoting Erie Mutual's unique mutual insurance value proposition.
Brent Viles
Farm Insurance Specialist
Agricultural insurance expert providing tailored risk management solutions for farming operations, with deep understanding of both traditional and modern agri-business needs.
Questions
What makes Erie Mutual different from other insurance companies?
As a member-owned mutual company since 1871, we prioritize client needs over profits. Our local agents provide personalized service with community expertise, combined with financial transparency and proactive loss prevention programs.
Do you offer discounts for first-time home buyers?
Yes, we offer a 25% discount for first-time home buyers in Ontario who meet eligibility criteria, with continued savings as long as you own and occupy the home.
How does the DriveMutual telematics program work?
DriveMutual uses smartphone GPS to assess safe driving behaviors, potentially reducing renewal premiums for policyholders who demonstrate responsible driving habits.
What areas do you serve?
We serve Haldimand, Hamilton, Grimsby, St. Catharines, Fort Erie, Welland, and surrounding regions in Ontario with personalized insurance solutions.
How quickly are claims processed?
Claims are prioritized with immediate response available 24/7. Most claims progress begins promptly after damage assessment, with rental vehicle options and cash settlement choices available.
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