: Mon-Thur 9:00am – 5:00pm, Fri 9:00am – 4:30pm : (519) 235-0350 Download Our App

Strength, Stability and Peace of Mind

To provide competitive insurance solutions that protect your home, farm or business and your peace of mind


In the late 19th century, a time when fire insurance was both expensive and difficult to find in rural Ontario, two farmers from Usborne and Hibbert townships created a mutual insurance company to help their neighbours find stability and peace of mind.

Alex Duncan from Usborne and Robert Gardiner, who lived on the Hibbert boundary, launched Usborne & Hibbert Mutual Fire Insurance Company in 1876 with a simple idea that continues to guide the company 145 years later. Neighbours helping neighbours.

Every policy holder is also a shareholder in the company, and the board of directors is elected from the policy holders. This not only creates an exceptional level of local accountability; it also entitles every policy holder to a share of the company’s profits.


To provide competitive insurance solutions that protect our policyholders and gives them peace of mind.


A better future for our Community today.


  • Communication – is the heart and soul of our community focused business.
  • Cooperation – working together to provide quality service.
  • Fairness – is our commitment to you.
  • Honesty and Trust - the foundation of our relationships.
  • Integrity – we focus on doing the right thing. Always.
  • Respect – is earned by trustworthy actions.

A Century Later

More than 145 years later Usborne & Hibbert Mutual Fire Insurance Company has not lost its connection with the rural community. We offer protection to our policyholders through Auto, Agribusiness, Commercial and Residential insurance products. We have grown into a financially strong organization with the means to provide peace of mind to our policyholders far into the future. As part of the Ontario Mutual Insurance Association and the Farm Mutual Reinsurance Plan, we are backed by one of the world’s most financially secure insurance networks, providing strength, stability and expertise.

Ontario Mutuals

The Mututal Difference

Investing in Community


Personal Touch

Customer Service

Promoting Mutuality