To be the leading mutual dedicated to fulfilling our promise with a personal approach.
Providing tailored insurance solutions through exemplary customer experience—building on our legacy of protecting agribusiness and communities
Our strong moral principles are demonstrated by our commitment to honesty and fairness in all our interactions.
Diversity & Inclusion
We recognize and appreciate diversity and value the contributions of all by fostering an inclusive environment.
We deliver on our promises and assume ownership of our actions.
Community & Environment
We contribute positively to improve the quality of life and the sustainability of our communities.
We seize value and opportunities and embrace change.
We focus on providing the best customer experience and create outcomes that deliver long-term value.
The Legacy of Heartland
North Waterloo Farmers Mutual was established on June 9, 1874, when a small group of farmers from three northern townships of Waterloo, Ontario formed an independent farm mutual. The directors—being farmers themselves—personally applied their knowledge and experience whenever possible. By 2014, North Waterloo Farmers Mutual Insurance Company was one of the largest insurers of farm property in Ontario, offering a wide variety of insurance products.
The Kings Mutual Insurance Company was established in Nova Scotia in 1904 by a small group of farmers, rooting the company in agriculture and committed to fulfilling the needs of residential, commercial, and agricultural policyholders.
OXFORD MUTUAL INSURANCE was formed as a result of an amalgamation of two farm mutual insurers in 1973. The roots of these two companies dated back to 1878, and were based in the rural Ontario communities of Oxford, Middlesex, Elgin, and Perth Counties.
Following an approval vote by their mutual policyholders, North Waterloo Farmers Mutual Insurance Company merged with Oxford Mutual.
Stronger together, the Pictou County Farmers Mutual Fire Insurance Company amalgamated with The Kings Mutual Insurance Company in 2016, providing the combined policyholders with greater value and a wider range of affordable options.
On January 1, 2016, Heartland Farm Mutual Inc. became a legal entity, formed from the merger of North Waterloo Farmers Mutual and Oxford Mutual.
In 2021 Heartland Farm Mutual amalgamated with The Kings Mutual Insurance Company of Berwick, Nova Scotia.
Celebrated the first anniversary of the amalgamation of Heartland Farm Mutual Inc. & The Kings Mutual Insurance Company.