Welcome!


The Mutual System was founded on the principle of “neighbour helping neighbour”. At HTM Insurance Company, helping our policyholders prevent loss is something that we take seriously. That responsibility extends to providing services to help you identify potential losses before they occur.

As a value-added service, we offer our policyholders complimentary Loss Prevention inspections. When at your property, a member of our professional team will be looking at heating and electrical installations, and for environmental exposures, or possible hazards. During our visit, we will also be gathering general information such as building measurements and taking photos to create or update your file. Click here to see the inspection questionnaire.

Whichever member of our personable, knowledgeable and friendly team is assigned to help you, count on them to provide suggestions, advice, and recommendations on how to minimize your risk of loss. Our team has a combined 53 years’ experience in Loss Prevention. All of our representatives are WETT-Certified as well as possess additional related industry certifications. Click here to meet the team.

Our inspectors come equipped with state-of-the-art tools, including a tablet, thermal-imaging camera, and laser measuring device. All of this technology, along with our wealth of knowledge, is distilled into our unique program, a completely free service to our policyholders.

When was the last time your insurer cared enough about you to send someone to visit you at your home or business?



If you would like to make an appointment to have one of our Loss Prevention team members come to your home, farm, or business to complete an inspection, please click here.

Please note that the results of our inspection do not warrant that no other hazards exist on your property.