A lifetime of coverage
Since 1875, Lambton Mutual has been in the business of providing complete insurance products with a focus on policyholders’ needs and bettering the communities in which we serve. While others claim to be local, we have been your only TRULY local insurance provider since 1875. Part of what makes us special is our commitment to knowing our customers by name, not by number. We believe in giving back – whether that’s through refunds to policyholders, donations to fund critical hospital equipment, or to local service groups and charities.
Our team of Agents are well ingrained in their local communities. This means the service you receive is second to none. We respond to your claims swiftly, and appreciate how time is of the essence in a crisis. Our professional claims team is equipped to ensure a smooth transition from a claim to life back to normal. At every level of engagement with Lambton Mutual, you can feel confident that should the worst-case scenario happen, we are there to help get you back on your feet.
When you choose Lambton Mutual, you are choosing people serving people; that’s our mutual advantage. So whether you’re buying your first home, your first car, or you’re downsizing to an apartment in retirement, you can expect a lifetime of coverage.
Service
We provide exceptional customer service to our clients
Did you know we have over 20 staff and 100 policies created to suit your specific needs.
In Our Community
Community Volunteers
Our community is our heart, so every staff member is allowed one Volunteer Day annually to allow them to “give back”. Employees can volunteer with the charity of their choice or lend a helping hand for a community event. Charlotte (Claims Department) chose to volunteer with the Forest Legion vendor and craft sale. […]
Community Volunteers
Claims Adjuster Leonie Finch used her Volunteer Day to help the Lambton Shores Dragon Boat Club with fundraising.Our community is our heart, so every staff member is allowed one Volunteer Day annually to allow them to “give back”. Employees can volunteer with the charity of their choice or lend a helping hand for a community […]
Community Volunteers
Our community is our heart, so every staff member is allowed one Volunteer Day annually to allow them to “give back”. Employees can volunteer with the charity of their choice or lend a helping hand for a community event. Karen (Claims Department) chose to volunteer at the Kinnwood School track and field day. […]
Community Volunteers
Our community is our heart, so every staff member is allowed one Volunteer Day annually to allow them to “give back”. Employees can volunteer with the charity of their choice or lend a helping hand for a community event. Heather (Administrative Assistant) volunteers with our local Cub Scout pack and used her volunteer day to […]
Community Volunteers
Linda from our claims department spent her day volunteering as a gift wrapper for the Brain Injury Association of Sarnia Lambton. Our community is our heart, so every staff member is allowed one Volunteer Day annually to allow them to “give back”. Employees can volunteer with the charity of their choice or lend a helping […]
Watford Food Bank
Delivering donations to the Watford food bank this holiday season. Many thanks to our staff, agents, brokers, and community members that donated. Neighbours helping neighbours, supporting the community where we live and work. […]
The company showed excellent professionalism in all aspects .. I could not have asked for better service…Fast and efficient. Thank you.
Excellent service. Everyone was amazing.
If you want an insurance company that will take care of you, call Lambton Mutual Insurance Company. Continue working with your high standards – too many companies make cuts that hurt their clients.
Remember that their claims adjuster can only work with the information that you provide and also to remember that you are only one client of many that they are assisting. Finally, remember to thank them.
Please compliment your staff on their patience and kindness. I had never had an accident before and was somewhat confused and distressed when I called to let them know what had happened. They took as much time as I needed to understand what is meant by “no fault” and to understand how I should proceed in getting repairs done.
What one piece of advice would you give to other policyholders based on your claims experience?
Just make the call and Lambton Mutual will make everything fall into place!
We feel from the date of the accident to the closure of the claim we were treated very well. Not sure then what one can improve on….
Do you have any suggestions that might help our company to further improve our service? No suggestions really, the service was timely and friendly!
I was happy with all your help!
We have no suggestions other than to hire more people like Cindy Blythe she did an amazing job we were so happy with her work. She was very reassuring throughout the process and provided us with the information we needed.
Be patient – adjusters will do things as quickly as possible. Very efficient!
The staff at Lambton Mutual was so very helpful, Jennifer at Bebingh and the staff at head office in Watford was so amazing. Thank you!
Do you have any suggestions that might help us to further improve our service? Don’t believe you have to change anything. The service was great and fast and to me also was the friendliness and the personal contact important. Thank you!
My experience was amazing and I would recommend Lambton Mutual to everyone!
Cindy was very quick to contact me to get the claim rolling. Excellent company to do business with!
My claim was handled with the utmost efficiency and professionalism. Cindy contacted me quickly to discuss the claim and always kept in contact, to advise of any new developments regarding my claim. I was very pleased with the great service I received.
Lambton Mutual is very responsive and very accommodating. Appreciated that I knew when to call back as I was provided with the hours when they were at their desk.
If you have questions, ask them! They are fantastic in their answers! Lambton Mutual is exceptionally prompt in dealing with your claim from rental car setup to payout when vehicle is declared a loss.
Do you have any suggestions that might help our company to further improve our service? None – happy with service especially in light of COVID19. Response from your office was quick and all contractors involved did a good job balancing getting the work done vs. the needs for social distancing, PPE, etc.
If you do not already have Lambton Mutual, get them!
I want to say thank you for the kind, courteous, helpful handling of the claim, proving one more time that Lambton Mutual works hard for the benefit of it’s clients!
What one piece of advice would you give to other policyholders based on your claims experience? Staff that is personable and approachable goes a long way!
I love your company and your friendly courteous staff and the only suggestion that I have to further improve your service is don’t change a thing! I truly would endorse your company wholeheartedly.
This claim was handled with the utmost respect and fairness from our broker (Cam-Ron Ins.) to Mikayla Verberne at Lambton Mutual. Thank you. Lambton Mutual can be trusted to work fairly and quickly with you. Let Lambton Mutual do their job and all will be well!
What one piece of advice would you give to other policyholders based on your claims experience? If someone is not happy, I would advise to try Lambton Mutual Insurance! What did you learn that you could share to help others? Take advice from people that are satisfied with the end result!
Lambton Mutual stands behind their policies.
What did you learn that you could share to help others? There is usually more than one deer.
The process was smooth and no complaints.
Lambton Mutual is very efficient.
You give excellent assistance when you have an accident in another country.
Lambton Mutual have an excellent claims division that is both responsive and effective. Well done to all involved!!!!!
Excellent service!
I believe it’s important to be insured by a reputable company like Lambton Mutual. I may (or may not) be able to save a few premium dollars by going with a discount insurance company but the real value comes when you do have a claim.
Great to deal with.
Contact Lambton Mutual immediately – they guide you through the process and answer your questions. Takes the stress out of the issue.
Excellent service!
We were very impressed with Lambton Mutual’s quick response to our problem. We appreciate how well our claim was handled and in a timely manner.
Excellent, friendly and fast service.
Keep up the good work!
We were very satisfied with the way our claim was handled.
Everything was wonderful!
Excellent communication and service when it came to my claim and understanding as it was my first time going through this type of situation.
I always recommend Lambton Mutual to local friends ¦. very professional and care about the area. Thanks again for your help!
Service is good, no waiting. Communication is important and was done with complete understanding.
Everything was done to my satisfaction.
We would share how well we were treated by Lambton Mutual Insurance Company.
Bebingh’s was very helpful from the beginning and Lambton Mutual has great service! Both are a pleasure to have working for you.
Lambton Mutual was totally the best company to deal with!
What one piece of advice would you give to other policyholders based on your claims experience? None – everything was excellent!
Customer Service is Fabulous!
Very helpful with your advice!
Do you have any suggestions that might help our company to further improve our service? No, great service!
I was incredibly impressed with the availability and the prompt responses from Cindy.
Everything was amazing from beginning to end. Cindy was great – friendly and great to deal with. I do not want to have another claim, but if I do, I am glad to know that I am insured with Lambton Mutual.
Great service. Very quick to get me a loaner vehicle and made it very easy for me overall. Thanks so much!
Your service was fantastic! The only glitch we encountered was with GM which could not provide parts in a timely manner.
Keep up the good work!
Excellent customer service from Doug Capes.
Scott Brown was amazing the day of the loss, being extremely polite, courteous and understanding as well as explaining everything I needed to know to put my mind at ease. Since the incident, he has been very approachable and easy to talk to, very business oriented as well as being genuine. I cannot praise him enough! He has gone over and above his duties and I highly recommend him. He has made a bad situation into a good experience. I have recommended Lambton Mutual to many people already.
Someone was here within an hour of calling. Scott was really good.
You guys do a great job and take the stress out of these times.
Testimonial here
Everything was done in a timely & professional matter , but with a small town compassion.
Lambton Mutual was very fair.
Our expectations were absolutely exceeded by both our agent, and the claims adjuster!
Listen to your insurer and work with them not against them. They are on your team!
Cindy is great! So easy to work with!
Cindy was fantastic to deal with from the beginning. She answered all my questions promptly and was very knowledgeable. I have a newborn and she was super accommodating when it came to finding me a rental vehicle that suited my families needs.
No suggestions to improve your service… It was above our expectations, and we thank you again for your generous consideration of our loss .
The Company representative, Cindy Blythe, went beyond our expectations in assisting us. We are very grateful to her and the company! Keep up the positive support you reflected when dealing with us. Thank you very much.
Lambton Mutual has been a fantastic service to our family. I brag about this company often. Thank you for taking care of our family.
Cindy Blythe, claims adjuster, handled this auto claim very professionally, and really helped me when I needed it the most! Thanks for the prompt payment!
Cindy was excellent and went to bat for us on an issue that came up with the rental car. Thank you for a job well done!
I am very pleased and extremely happy with the service. I will be with Lambton for many more years.
Thank you Scott, for your patience, support, promptness and fortitude in guiding us “seniors” throughout our challenging experience. Forever grateful – Thank you again for your team work.
I am well pleased with the prompt service.
Cindy Blythe was extremely patient and helpful in a very difficult situation. We appreciate her professionalism and “going the extra mile”… Cindy and her assistant are a credit to your company… I have in the past and will continue to highly recommend Lambton Mutual as the only company to place your insurance.
Scott was great to work with….timely response and he was proactive getting the damaged head repaired.
I could not have asked for a better outcome or treatment from Cindy. If asked I would not hesitate to recommend Lambton Mutual to friends and acquaintances.
Cindy Blythe was excellent. Everything went very smooth. Thanks.
Thank you, Cindy, for all your help. You’ve no idea how much I needed your positive attitude, patience and kindness.
Everything was super.
I am very happy with the service I received.
Everything was done well.
When we were asked for suggestions to help improve the claims service, we had nothing to say! How can you improve the service provided to us? It was above and beyond, handled with perfection, and overall, just awesome.
Worked like a charm…everyone was polite and professional. No issues what so ever. Thanks again.
We also wanted to say thanks for making the whole experience of “making a claim” very easy and pleasant, it was a pleasure to have you as our claims adjuster.
Your service was excellent, friendly, helpful, and helped me to feel better being so upset with myself. Thank you so much. You made a hard situation easier.
The Lambton Mutual Advantage
One of the items that makes Lambton Mutual different is our insurance-at-cost philosophy. What does that mean?Insurance-at-cost is part of The Mutual Advantage and it means we treat premiums as if they are still the property of the insured. That sounds great, but maybe you’re still wondering what that means for you. That’s okay! When we treat premiums in this manner, any excess capital we’ve collected can be returned to you, our policyholder, or invested into community programs. How does this work? It’s simple. The members that have been elected to our Board of Directors decide how to best use any excess funds. When we make a profit, they can choose to authorize a refund of premiums or to support a local initiative. They are able to make those decisions because Lambton Mutual isn’t accountable to shareholders looking to make money.
Here is a bit of that philosophy in practice: In 2016, we were thrilled to give back $743,000 to our policyholders. In fact, Lambton Mutual has issued a refund of premiums four times since the year 2000, totaling over $2.8 million. That’s money that goes directly back into your pocket as well as into our local communities and economy. Nice, isn’t it?
Not just our sales people are located in your local communities – we are too! We take pride in the contributions we’ve made to the communities of Southwestern Ontario over the past 143 years. These decisions are made based on supporting the values of our policyholders. Every year, we invest thousands of dollars in projects and organizations in Lambton County and surrounding areas – we’re sure that either you or someone you know has directly benefited from it! A strong and vibrant local community helps support local jobs, the local economy and it is a core value for us!
We’ve been around since 1875 and during our long history, we’ve learned a thing or two about protecting properties. In fact, we’ve weathered two world wars, the stock market crash of 1929, the Great Depression and two turns of the century. Our customers know that they can trust us to be there in their time of need – dedicated people who will be there for you!
When you have a claim, we are there promptly providing local customer service and claims assistance – not a voice mail maze that you have to wade through, hoping to reach someone that knows how to help you. We offer claims assistance 24 hours a day, 7 days a week. Our dedicated after hours claims line is 1-877-488-6642.
The trust of our customers has been earned for well over a century. Take a look at the testimonials on our website to see for yourself what other customers are saying about us.
As governments and big business continue to put the squeeze on the ‘little guy’, we want you to know that Lambton Mutual puts money back into your pocket; we put money back into our local communities and our local economies. That’s money that STAYS in the communities we serve.
At Lambton Mutual, we want you to know that we have some ‘skin in the game’. We take great pride in putting peoples’ lives back together when disaster strikes. Our people genuinely care about our customers and what’s happening in their lives. That’s because we live, work and play in the same communities as you. Our kids play on the same teams as yours!
We invest in the development of our future leaders!
Not only does Lambton Mutual support the pursuit of continuing education of our own team members, but it extends outward to our policyholder community. We offer a generous scholarship program whereby Lambton Mutual funds (5) $1,000 post-secondary scholarships annually to graduating sons and daughters of our policyholders to help them offset costs associated with post-secondary education. We continually put customers first in our priorities and in our decision making.
