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Farm Mutual Infrastructure

Trillium Mutual is proud to be a member of a truly remarkable network of purely mutual insurance companies operating in Ontario. These companies are commonly referred to as "the farm mutuals" and operate with the same basic principle of policyholder ownership (purely mutual insurance). This group of companies share many common features such as being community based organizations with over 100 years of strong and stable service to rural Ontario.

These mutual companies cooperate with each other and are members of the Ontario Mutual Insurance Association. This association acts as a trade organization for the mutuals, providing training and education for member companies as well as marketing and promotional functions. Along with membership in this provincial association, Trillium Mutual is also a member of the Canadian Association of Mutual Insurance Companies and the National Association of Mutual Insurance Companies.

Trillium Mutual, along with the other farm mutuals, are also very unique in the fact that they own their own reinsurance company. The Farm Mutual Reinsurance Plan Inc. was the first Canadian-owned reinsurance company and is one of a very few Canadian-owned reinsurers in existence today.

In yet another example of cooperation and financial security within the farm mutual industry, Ontario's mutual insurance companies, including Trillium Mutual, participate in what is called the Fire Mutuals Guarantee Fund. This "Fund" places the surplus of all member companies behind any one of the mutual companies. In the very unlikely event of the insolvency of one of the mutual companies, all other member mutuals would respond to 100% of current insurance claims, and policyholders would not lose any unused premiums already paid.