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Welcome to HD Mutual

As of January 1, 2024, HD Mutual emerges as a dynamic force in the insurance landscape, born from the union of Halwell Mutual Insurance Company and Dumfries Mutual Insurance Company. Our roots run deep, with a shared commitment to excellence and over 160 years of industry expertise. 

A Seamless Transition

As we embark on this exciting journey, rest assured that your insurance experience remains seamless. During the harmonization of our operating systems, policyholders will be directed to the legacy websites of Halwell (Guelph) and Dumfries (Sheffield). Your continuity and convenience are at the forefront of our strategy. If you are unsure which branch services your policy, refer to your policy documents.  

Head Office in Guelph,

Presence in Sheffield

Our headquarters proudly stand in Guelph, a city synonymous with innovation and community spirit. Additionally, we maintain a vital presence in Sheffield, ensuring accessibility and personalized service for our valued policyholders. 

Meet Our Team

HD Mutual is powered by a team of over 75 talented insurance professionals. Our collective expertise forms the backbone of our commitment to delivering unparalleled service and support to our clients. Your peace of mind is our priority, and we look forward to serving you. 

Why Amalgamation?

The decision to amalgamate was made in 2023 and was driven by a vision for a stronger future. The benefits are clear: 

  1. Greater Spread of Risk: By combining forces, we enhance our capacity to manage risk effectively, providing enhanced stability for our policyholders. 
  1. Investing in Technology and Innovation: HD Mutual is poised to lead with cutting-edge technology and innovative solutions, ensuring that we stay ahead in an ever-evolving industry. 
  1. Meeting Regulatory Requirements: Amalgamation allows us to meet and exceed regulatory requirements, demonstrating our commitment to compliance and accountability. 
  1. A Unified Vision: By coming together, we forge a path toward a unified vision – one that emphasizes growth, efficiency, and a steadfast commitment to our community. 

At HD Mutual

We are not just an insurance company; we are your partners in protection.

As we merge legacies, we invite you to be a part of this exciting chapter. Trust us to safeguard what matters most to you. 

Contact us

Monday to Friday 
8:30am to 4:30pm 

Guelph Branch 
Tel: 519-836-2860 
Toll-Free: 1-800-267-5706 

Sheffield Branch 
Tel: 519-621-4660 
Toll-Free: 1-800-265-3573