HTM Insurance Company - formerly known as the Hamilton Township Farmers Mutual Fire Insurance Company, and later, the Hamilton Township Mutual Insurance Company - was formed in 1898 in the spirit of neighbours helping neighbours, as many farmers were unable to find companies to insure their properties and livestock. In that first year 147 policies were written. Today, our insurance coverage has grown to include a wide range of policies including farm, auto, residential and commercial.

HTM Insurance Company is a Mutual Insurance Company, meaning that we are community based and owned and operated by our Policyholders. We are lead by a Board of Directors which is elected from among our Policyholders, and the Board appoints the Officers of the Company. Our Mission Statement speaks quite clearly to our values.

Over time our company name was amended to remove the word "Farmers", and further amended in 2007 to HTM Insurance Company, at which time a new logo and identity was launched to support the name change.

A lot has changed over the last hundred-plus years since our company was founded, but the way we approach taking care of the needs of our Policyholders has never wavered: at HTM Insurance Company, "you're with family".

Mission Statement

To Protect your Future as if it’s our own.


Striving to provide you with peace of mind by protecting your tomorrows today.

Core Values

The following represents the company’s core values: 


What the value means

“We treat our customers like family.”

We look out for the best interests of our customers in the same way we do with our families. We want only the best for them. When you are with us, you’re with family.

“We act with heart.”

We care about what you care about. We are thoughtful and considerate of your needs and well-being.

“We make a difference in our communities.”

We are proud of the communities we are part of.  We go out of our way to support them and make a lasting difference.

“We do the right thing – with integrity.”

We treat one another with respect and loyalty.  We build trust in our organization by doing what we say we will.

“We strive to be remarkable.”

By continuously working to be our best, we provide great service to our clients. We focus on constant improvements and finding ways to be better.