Lambton Mutual Over 140 years of heritage

Lambton Mutual Insurance Company is a property and casualty insurance company operating in Southwestern Ontario. We write approximately $32.5 million in gross premium consisting of residential, automobile, farm and commercial premium. We are a member of the Ontario Mutual Insurance Association and Farm Mutual Re based in Cambridge, Ontario. We are one of 38 purely mutual insurance companies operating in the Province of Ontario.

Many of the farm mutuals operating in Ontario have been around for generations. In fact, Lambton Mutual Insurance Company was formed in 1875. The organizers of the company were all leaders in their respective fields – agriculture, manufacturing and municipal politics. Many of our early directors and staff were involved in provincial and federal politics. They recognized a need in their emerging communities for many things, including an insurance company that could supply basic protection at reasonable cost, and where their community would be the benefactor of any surplus, or profit, from doing business.

As a policyholder with our company, you have voting rights on important decisions that will direct the successful operation of the company. Our directors are elected from among our policyholders and they live and work in your community. We continue to operate on a not-for-profit basis, which means that we pour our resources into service and long-term value for the policyholder – not returns for shareholders.