Bertie and Clinton Mutual Insurance Company

Welcome to the Bertie and Clinton family!
Bertie and Clinton Mutual Insurance Company will work as a team to provide quality insurance and service to all policyholders while striving to keep our products priced as competitive as possible.
We are a purely "Mutual" company owned by the Policyholders who receive an invitation to each annual meeting.
The board of directors are elected at these meetings and implement company policy throughout the year.

Bertie and Clinton

In 1880 as the Bertie and Willoughby Mutual. In 1898 The Clinton Mutual Insurance Company was formed. These two companies operated independently until 1970 when they amalgamated to form our Bertie and Clinton Mutual There are still 44 other Farm Mutuals throughout Ontario that operate like Bertie and Clinton Mutual does. They are part of the same financial network that our company operates under.
For years our company was known for its expertise in providing Farm Insurance to the Niagara Region. However, we are now able to provide many other coverages at very competitive prices while still giving you the benefits of ownership and local service.
These coverages include:

Homeowners Packages
Automobile Insurance
Boatowners Packages
Commercial Insurance
Tenants and Condominium Packages
Church Packages
Directors and Officers Liability for Non-Profit Organizations

In most cases your Bertie and Clinton sales representative will come out to rewrite
your property policy on a three year rotating cycle basis. This is the kind of traditional
service that you can expect when insuring with our company. Whether you deal with an agent or a broker your sales representative is part of your community and is always there
to give you the best advice possible.

Part of the service we provide to our members is our Loss Prevention Program. We provide rebuilding cost recommendations on buildings as well as information on upgrades to Woodstoves and Home Heating Installations. When a new property is insured with Bertie and Clinton Mutual we will have our Loss Prevention Officer
contact the policyholder to arrange for a visit.

We feel we are adding value to our community by providing recommendations on these and other important safety issues. We still sell fire extinguishers at cost and we will refill
your fire extinguisher in most cases.

By the mid-50's, the amount of time and money involved in the transaction of insurance and the request by our members for higher limits and most complicated coverages led the farm mutuals to form the Farm Mutual Reinsurance Plan Inc. It commenced operations in 1959 - the first Canadian-owned reinsurance company.
In the subsequent years, the FMRP, a mutual company itself that is wholly owned by the pure mutuals within its membership and guided by directors elected from those mutuals, has developed into a highly sophisticated financial institution. Since 1959, through the protection provided by the FMRP, the policyholder-owned mutuals have been able to expand their product base to virtually any line of insurance required by mutual policyholders.

Farm Mutual Guarantee Fund
Again, through the theories of "strength in unity" and "neighbour helping neighbour" the mutuals entered an agreement whereby an open-ended fund was set up for the purpose of guaranteeing that all policyholders' outstanding claims and unearned premiums would be honoured in the event that any one of the mutuals could not honour its claims or outstanding policies. This fund is backed by each of the mutuals and the Farm Mutual Reinsurance Plan Inc., thereby placing the surplus of all member mutuals behind any one.

Bertie and Clinton
1789 Merrittville Hwy., R.R. #2
Welland, Ontario Canada L3B 5N5
Tel: (905) 892-0606 Toll Free: (800) 263-0494 Fax: (905) 892-0365
E-mail: info@bertieandclinton.com