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OMIA NEWS Ontario Mutual Insurance Association November 2017

O N TA R I O M U T U A L S N E W S L E T T E R 2 M U T U A L N E WS NOVEMBER 2017 CH AIR S MESSAGE A Message From Our Chair Happy Autumn 2017 This year I have attended many meetings and conferences on behalf of Ontario Mutuals and have travelled to some beautiful locations The trip to our Presidents and Managers Meeting in Collingwood Ontario was on a warm autumn day with stunning Fall colours While attending the Group E Annual Meeting in Kemptville Ontario the Group participated in determining what their Annual Meetings should include I know all the Groups struggle with this especially the Annual Meetings that occur shortly after the OMIA P M Attending the Farm Mutual Re Summer Board Meeting offered a glimpse into the reinsurance climate of today Having had the opportunity to speak to their international reinsurance partners it became apparent that Farm Mutual Re really have fostered unique and positive relationships with their partners abroad The NAMIC Annual Convention held in Denver Colorado provided timely education on the legalization of cannabis and the insurance implications of similar changes coming to Ontario Many Mutuals see this as an opportunity to expand Ag offerings However we may also expect that automobile collisions will increase upon legalization as was the case in Denver We were pleased to host this year s Presidents and Managers Convention in Collingwood The keynote speakers were engaging and entertaining while teaching us how to create loyalty from our clients and how to be more efficient with our time in the midst of information overload Along with the various governance sessions we were reminded that the time line for our strategic planning should be for the longer term and should be strategy focused not operationally focused A one year strategic plan will not prepare us to remain relevant in future years with the many changes coming our way The IBAO Convention also focused on remaining relevant in future years including the advancement of technology The CEO Panel included comments from Heidi Sevcik CEO of Gore Mutual who spoke of the advantages and bright future of the mutual model I learned from my discussions with various brokers that they realize that the Mutuals are a long term strategic partner who provide stability to their operations As this is the last edition of the OMIA News before the holiday season and since I grew up on a turkey farm I wish to share my mom s best ever turkey gravy secret You will find it hidden within this issue I wish you and your loved ones a very Merry Christmas with a big juicy turkey and all the Best in 2018 The Van Daele Family Christine Ken Emily Laura and Julia

O N TA R I O M U T U A L S N E W S L E T T E R NOVEMBER 2017 MUT UA L NE W S New Management Team CHRISTOPHER SCHULTZ has joined Bertie Clinton Mutual as the Claims Manager Christopher has a strong background in claims working for various large insurance companies in the GTA He will bring additional skills to our claims department and we look forward to working with him PAM SKIDMORE has joined Bertie Clinton Mutual as the Underwriting Manager Pam has a strong background in both Personal and Commercial lines underwriting and experience as a Business Development Manager She has worked for several large insurance companies and brings additional skills to our underwriting department to enhance our operational abilities RHONDA THOMSON has joined Bertie Clinton Mutual as the Finance Manager Rhonda has a strong background in general accounting including experience in facility management and human resources administration Rhonda has worked in both the corporate and non profit charity sectors in various accounting roles We welcome Rhonda s expertise and look forward to working with her RUTH STRANGES has joined Bertie Clinton Mutual as the Business Development Manager Ruth has a strong background in sales development and strategy In addition she brings experience in personalcommercial underwriting and marketing Ruth has worked for insurance companies and insurance brokerages and brings competitive knowledge of the Niagara Region 30 Years of Service Mary Domm came to the then Germania Farmers Mutual in 1987 shortly after Larry Bieman was named Manager Mary s hire increased the number of employees working at Germania by 50 Mary s responsibilities at the time included assisting Larry and his wife Carol with both Underwriting and Claims roles Over the years Mary has witnessed many changes and held many positions within the company which also included working at four different head office locations Congratulations Mary on 30 Years of Service to Germania 3

O N TA R I O M U T U A L S N E W S L E T T E R 4 NOVEMBER 2017 M U T U A L N E WS Annual Charity Golf Tournament Erie Mutual hosted their annual golf food drive on behalf of the Salvation Army Dunnville Food Bank on September 7th Bertie Clinton Cayuga Townsend and Wabisa Mutuals once again participated There was approximately 250 lb of non perishable food goods donated by golfing directors and employees of the Mutual Companies CAMA Finalist Heartland Farm Mutual is very excited to announce that our iHeartCommunity Fund has been selected as a finalist for the Canadian Agri Marketing Association s Best of CAMA Award for 2017 The Best of CAMA is the Academy Awards of agri marketing and is the industry s annual showcase of creativity marketing and communications expertise Seeing the impact the iHeartCommunity Fund has made to local communities across Ontario has been extremely rewarding and we are now very honoured to be receiving this national recognition for its branding and promotional elements A big thank you to our community advocates for helping raise awareness both for the program and for the local projects and causes that are close to your heart Heartland was proud to win a Best of CAMA award last year in another category and we will keep our fingers crossed when the winners are announced on November 9th in Regina Hospital Groundbreaking Retirement Dawn Vaskor retired from the Lambton Mutual Accounting Department at the end of August Dawn was a valued and loyal staff member of Lambton Mutual for 27 years We thank her for her dedication and wish her all the best with her new retiree status Halwell Mutual was invited to attend the ground breaking of the new Groves Hospital in Fergus in recognition of our recent donations The future hospital will even have a waiting area named after Halwell Mutual

O N TA R I O M U T U A L S N E W S L E T T E R NOVEMBER 2017 MUT UA L NE W S 125th Anniversary Ayr Farmers Mutual is celebrating its 125th anniversary in 2018 To mark this significant milestone a number of events are being planned throughout the year including a magazine featuring profiles of policyholders planting 125 oak trees in our surrounding communities donating 125 000 to local organizations and community initiatives and a carnival style family fun day in June everyone is invited Ayr Farmers was established in 1893 out of a desire to provide the residents of Ayr and surrounding communities with protection from devastating losses caused by fire At the first Annual Meeting on February 24th 1894 it was reported that the volume of insurance to date mounted to an aggregate of 805 060 representing 238 policies Ayr Farmers Mutual has continued to grow over the years but our principles remain true to the mutual tradition rooted in the pioneer spirit Ayr Farmers Mutual is proud to be an Ontario Mutual President CEO Completes DEP Program We are very proud to announce that Joe Dietrich has successfully completed the Directors Education Program ICD D through the Institute of Corporate Directors Rotman School of Management University of Toronto In the current evolving business and governance landscape the ICD D designation helps leaders be better at what they do This will ultimately create better boards and better businesses The ICD D designation represents a lifelong commitment to excellence in the boardroom a desire to stay current and to be a more effective leader Congratulations Joe 5

O N TA R I O M U T U A L S N E W S L E T T E R 6 NOVEMBER 2017 M U T U A L N E WS Brant Mutual Wins Prestigious Award Brant Mutual Insurance Company was the winner of the Brant Brantford Chamber of Commerce s Bell Community Builder award for 2017 The award given at the annual Brant Brantford Chamber of Commerce Excellence Awards banquet recognizes companies that show outstanding and ongoing public service within the community Presented by Melisa Djebbari of Bell Canada the award recognizes companies in the community that have created and enact initiatives that encourage sustained and long term commitments to improving the quality of life for members of the Brantford Brant community Through staff volunteer incentive plans ambassador encouragement incentives acting as lead sponsor of the annual Brant United Way Day of Caring not to mention the in kind offerings of both permanent and occasional office space and meeting rooms for local non profit and charitable organizations the community work Brant Mutual does can be measured on a daily basis Brant Mutual takes great pride in supporting the community building efforts of other organizations as well Through creating mentorship roles sharing resources issuing corporate fundraising challenges and many other opportunities open to staff as well as the community at large Brant Mutual encourages community engagement whenever and wherever possible Not willing to rest on its laurels Brant Mutual is already looking toward 2018 by designing and hosting community building workshops to further solidify that connection between the area s oldest company and the community that continues to support it in return Jason Cybulski President of Brant Mutual and Melisa Djebbari of Bell Canada Certification Congratulations to Howick Mutual Director Brian Laporte who received his Farm Mutual Director Certificate FMDC at the NAMIC Convention in Denver The Directors and Staff of Howick Mutual Insurance are very proud of you Brian All of your hard work has paid off Pictured Kevin Inglis CEO Brain Laporte Director and Mark Hamel Board Chair P C Mutual Insurance I n ve s t m e n t Tr e n d s R e p o r t UNDERWRITING REVENUE 10 5 BILLION 0 5 decrease compared to 2016 INVESTMENT INCOME 667 MILLION 1 Increase compared to 2016 How did your firm s financial and investment results compare to the industry Request your FREE Investment Trends Report email us info gmr ca

O N TA R I O M U T U A L S N E W S L E T T E R NOVEMBER 2017 MUT UAL NE W S Groundbreaking Dumfries Mutual staff agents and board were thrilled to participate in a groundbreaking event on September 12th Shelley Sutton General Manager and Holly Huehn Board Chair proudly held shovels at the future site of their new office building located just south east of the City of Cambridge Also present at the groundbreaking were Alf Geerlinks Site Supervisor left and Phil Schiedel Project Manager right of Schiedel Construction Incorporated There is great excitement about the additional working space the building will offer and the bright future of Dumfries Mutual for policyholders The team plans to move into their new office next summer IBAO Convention This year s IBAO Convention was held at the Westin Ottawa Hotel and Shaw Convention Centre in Ottawa on October 25th and 26th The Ontario Mutuals trade show booth was well staffed by Mutual Company participants who had the opportunity to meet and greet attendees of the sold out event over one and a half days The hospitality suite funded by nine participating Mutuals drew crowds all night in fact while many of the suites were packing up we were still engaged in conversations with our broker partners our fresh popped popcorn certainly didn t hurt Kathy Cass and Patti Henderson Halwell Mutual Tammy Hickling Howick Mutual Fran Hibbert Edge Mutual and Rhonda Ryan Trillium Mutual OMIA Chair Christine Van Daele Westminster Mutual and Kevin Prong Edge Mutual Next year s event will take place October 17th and 18th at Fallsview Casino Hilton Hotel Niagara Falls Morna Foan and Ben Mullin Grenville Mutual A packed house at the Ontario Mutuals hospitality suite 7

O N TA R I O M U T U A L S N E W S L E T T E R 8 NOVEMBER 2017 M U T U A L N E WS Appointment Gerard McDonald joined the Board of Directors of The Commonwell Mutual Insurance Group on September 6th Gerard is currently the Registrar of Professional Engineers Ontario PEO the organization charged with the oversight of Ontario s 83 000 professional engineers Gerard received his MBA from the University of Ottawa and his Bachelor of Applied Science Civil Engineering from the University of Waterloo Prior to joining PEO Gerard spent over 31 years in the Public Service of Canada working primarily in the transportation sector where he held various positions including ssistant Deputy Minister of Safety and Security at A Transport Canada Executive Director of the Transportation Safety Board Director General of Marine Safety at Transport Canada and Director of Regulatory Affairs at the Privy Council Office Gerard and his wife Norma have five children and spend most of their spare time at their country home in North Glengarry When not working Gerard enjoys struggling at golf trying to keep up with his children skiing cycling and the great outdoors Welcome Gerard Giving Back In August Lambton Mutual Director Randy Gilliard and Lambton Mutual Agent Chris Ravell presented a cheque for 1 000 to the Western Ontario Steam Threshers Association Promotion Farm Mutual Re is very pleased to announce that Emily McHugh has been promoted to Analytic Services Manager within our new Analytic Services Department Emily joined Farm Mutual Re in April 2011 in a Claims Support role and was promoted to the role of Statistics Analyst in April 2012 Most recently Emily has been performing the role of Supervisor of Analytics within the Business Development Department Throughout her employment with Farm Mutual Re Emily has exemplified our core values She has shown commitment to the organization through her continuous learning efforts courage through innovative strategic efforts and integrity as a leader in the Business Development Department Through these and many other endeavours Emily will be integral to the future success of the Analytical Services Department Congratulations on your new role Emily we wish you great success

O N TA R I O M U T U A L S N E W S L E T T E R NOVEMBER 2017 MUT UA L NE W S New Office After years of continuous growth Bertie Clinton Mutual has decided to expand and move from our location in Thorold Ontario We have officially opened our new office in North Welland With the help of the City of Welland and Timbro Construction we erected a state of the art building on the former site of Tallman Transport We welcome visits to our new office to see what BCM is all about Community Garden Thanks to staff volunteers and the Green Team Farm Mutual Re and OMIA were able to donate 264 pounds of produce from their community garden to the Cambridge and North Dumfries SelfHelp Food Bank New Employee North Blenheim would like to welcome Stacy Beattie to our team Stacy brings with her many years of insurance experience and is helping us to develop a new role as Agent Care Representative DISCRETIONARY WEALTH MANAGEMENT ALL OF OUR FARM MUTUAL CLIENTS PORTFOLIOS ARE SEPARATELY HELD AND MANAGED ACCORDINGLY TO THEIR SPECIFIC GOALS WE UNDERSTAND THE NEEDS OF MUTUAL INSURANCE COMPANIES WE CAN HELP FOR MORE INFORMATION PLEASE CONTACT Brendan T N Caldwell B Sc M A CFA President CEO 150 King Street West Suite 1702 P O Box 47 Toronto ON M5H 1J9 1 800 256 2441 416 593 1798 bcaldwell caldwellinvestment com www caldwellinvestment ca 9

O N TA R I O M U T U A L S N E W S L E T T E R 10 UP C O M I N G NOVEMBER 2017 TR AINING EVENT S Please refer to www omia com to review a current calendar of courses offered by OMIA Click on Education and then Education Calendar DATE COURSE NAME COURSE DESCRIPTION November 9 Claims Managers Conference An affiliate group of mutual company claims adjusters discuss topics of interest to them November 9 Managing Sales Teams for Agent Driven Companies Of interest to company managers and other company staff who are responsible for managing the sales team for the company November 14 Commercial Including Farm Underwriting Roundtable An affiliate group of mutual company underwriters responsible for underwriting commercial including farm business discuss topics of interest to them November 14 Commercial Automobile Classes Webinar Best suited to seasoned automobile Underwriters Agents or Brokers this session is an in depth study of the commercial automobile classifications and eligibility rating rules as found in the Ontario Mutual Automobile Manual November 15 Business Continuity Session and This 1 day program will be of interest to the person in the office who is responsible for the maintenance of Workshop your Business Continuity Plan and any person who has a role in that process November 21 Commercial Automobile CVOR Webinar Best suited to automobile Underwriters Agents or Brokers new to the CVOR requirements located in the Ontario Mutual Automobile Manual Eligibility Rules for Commercial Automobile Risks This session may also be of interest to Commercial Property Liability Underwriters Agents or Brokers as the CVOR reports provide risk management information pertaining to the entire commercial operation November 22 and 23 Ontario Mutual Loss Prevention League OMLPL An affiliate group of mutual company loss prevention officers attend sessions and discuss topics of interest to them November 28 and 29 Accident Benefits and Module III Program In Person Sessions This Program combines the October AB Workshop with Module III of the Statutory Accident Benefits Certification program It is in response to feedback received from OMIA s Training Needs assessment and will facilitate compliance with your company s obligation to ensure your accident benefits staff is fully trained We have developed a training program which combines live and interactive sessions with on line learning and the content is based on an updated version of Module III incorporating the June 2016 changes to the Statutory Accident Benefits Schedule November 29 Board Self Evaluation and CEO Evaluation This one day program will focus on three important aspects of Governance the Board member evaluation of their own contribution the Board s effectiveness as a group and the Board s evaluation of their CEO December 5 Board Chairpersons Roundtable Of interest to Board Chairs and Vice Chairs this session focuses on governance and meeting topics of interest to them December 7 Managers Roundtable Mutual company managers meet to discuss issues of interest to them December 12 Accident Benefits and Module III Program Housing Assessments Plus Capacity Guardianship and Minors Webinar This Program combines the October AB Workshop with Module III of the Statutory Accident Benefits Certification program It is in response to feedback received from OMIA s Training Needs assessment and will facilitate compliance with your company s obligation to ensure your accident benefits staff is fully trained We have developed a training program which combines live and interactive sessions with on line learning and the content is based on an updated version of Module III incorporating the June 2016 changes to the Statutory Accident Benefits Schedule December 12 An Exploration of the Business of Reinsurance We are pleased to offer this opportunity for staff and directors to participate in this program An Exploration of the Business of Reinsurance This is the third offering of this session for 2017 a session was held at Cayuga Mutual in January as well as a Live On Line session in February Please be reminded that this course is a mandatory unit in the Business of Insurance Section of the Directors Certification Program December 14 Accident Benefits and Module III Program Exam Review Webinar This Program combines the October AB Workshop with Module III of the Statutory Accident Benefits Certification program It is in response to feedback received from OMIA s Training Needs assessment and will facilitate compliance with your company s obligation to ensure your accident benefits staff is fully trained We have developed a training program which combines live and interactive sessions with on line learning and the content is based on an updated version of Module III incorporating the June 2016 changes to the Statutory Accident Benefits Schedule December 14 Agents Roundtable An affiliate group of point of sale personnel meet to discuss topics of interest to them

O N TA R I O M U T U A L S N E W S L E T T E R NOVEMBER 2017 MUT UA L NE W S Open House Meet the Underwriter Night Halwell Mutual s open house was held on September 6th They welcomed members of the community brokers Mutuals OMIA Farm Mutual Re Mayor Cam Guthrie MPP Ted Arnott and more Everyone went home with a Halwell Canada 150 mug and a jar of local honey from one of Halwell s policyholders Dutchman s Gold Underwriting Manager Heather Straatman and Underwriters Deborah Molloy and Rhonda Straatman recently attended the Meet the Underwriter Night in London to network with brokers and representatives from the London Field Reps Association London Insurance Brokers Association 11

O N TA R I O M U T U A L S N E W S L E T T E R 12 NOVEMBER 2017 M U T U A L N E WS In Memoriam The mutual community was saddened by the recent loss of our friend and colleague Stuart Warner Stu Howlett Stu was born on May 23rd 1924 in Delaware township and passed away at the age of 91 in London on August 13th 2017 Stu is survived by his wife of 63 years Marion and his daughter Linda McNeil and her family as well as a large extended family Stu began his mutual career in 1969 when following in the footsteps of his father and grandfather he joined the board of the Caradoc Delaware Mutual Fire Insurance Company in Mount Brydges In the 1980 s Stu stepped forward and was elected to the Ontario Mutual Board of Directors representing Group 4 In his time on the OMIA Board Stu chaired the Political Action Committee and the Financial Services Committee OMIA has long prided itself on its legislative affairs program and Stu was the driving force behind getting that started in the 1980 s He travelled thousands of miles of Ontario roads attending political events of all types to raise the profile of the Ontario Farm Mutuals In the 1990 s when the Political Action Committee became the Legislative Affairs Committee and the Roundtable program was created Stu was the founding chair In 1992 and 1993 Stu served as Chair of the OMIA Board Selecting the theme Facing Tomorrow Together Stu truly believed that the Mutuals ability to work together would determine our future success Following his service on the OMIA board Stu served two terms on the board of the Canadian Association of Mutual Insurance Companies CAMIC Stu had a great belief in people and in the value of hard work His generosity of spirit was a great connector At any gathering no one was standing on their own very long before Stu brought them into the larger group with his warm smile and innate ability to draw people in with a few kind words A modest man Stu combined his understanding of what makes people tick with his own knowledge and practical approach to the job at hand Although retired for many years from the mutual system Stu and Marion continued to keep in touch and were always welcome guests at mutual events Community Donation Habitat for Humanity Royal Canadian Legion Watford Branch President Robert Alcock received a cheque for 1000 from Lambton Mutual in August The donation will go towards murals to be painted on the fa ade of the Watford Legion building On Aug 23 2017 Kent Essex staff had the privilege of assisting in another Habitat for Humanity house project in Blenheim Cheque presentation with Lambton President Deb Van Eyk

O N TA R I O M U T U A L S N E W S L E T T E R NOVEMBER 2017 MUT UA L NE W S Community Donation Once again Brant Mutual was the lead sponsor for the 2017 Brant United Way Day of Caring Brant Mutual staff started the day by hosting a breakfast for over 100 volunteers and then spent their day working for Habitat for Humanity Brant by providing labour for the organization s highly successful fundraiser an 80 s themed dance party In one morning Brant Mutual was able to set up tables chairs the bar and even the stage for the grateful Habitat crew Then it was off to the Habitat for Humanity Re Store to clean tidy restock and move a metric tonne of discarded shingles for resale The Brant Mutual staff was able to see the amount of effort and care that goes into the Habitat community and its volunteers It was an eye opening and educational experience for all Tina McDonald Jason Cybulski Jenna Leigh Brooke Cybulski Cathy Cooper Breagh Lengyell Adrianna Beal Natachia Fenton Retirement Linda Klages retired from Germania Mutual in May after 20 Years of service to the company Linda was initially hired on a six week contract to assist with the computer conversion to the Slocki System in 1997 Needless to say the contract was extended to full time Congratulations Linda on a well deserved retirement Superior Insurance Solutions TITAN WEB ATLAS INSPECT Contact us for your free on site demonstration www sehcomp ca MINDER PRO 1 800 575 9974 13

O N TA R I O M U T U A L S N E W S L E T T E R 14 NOVEMBER 2017 M U T U A L N E WS Golf Tournament Lambton Mutual held our annual Agent Broker Appreciation Golf Tournament on September 7th We enjoyed spending a relaxing day playing golf and socializing with our fellow colleagues agents and brokers at Sawmill Creek Golf Resort and Spa Parades As always the summer months bring homecomings and fairs Our staff and some helpful family members were eager to participate Ron Dennis Kyle and Michele with help from family took part in the Clifford Homecoming parade with the legendary fire truck on August 5th Amanda Sherry and Jason with their young ones had a great day at the Belmore Homecoming on June 24th April Tracy Larry Mat Christa Barb and family participated in the Listowel Agricultural Fair parade on July 13th New Employee North Kent Mutual Insurance is pleased to announce that Aaron Sagriff has joined the company as Information Systems Technician Aaron has a Bachelor s degree in computer science from the University of Windsor In addition to his IT skills Aaron manages the family farm near Tupperville and does some custom farm work SABS Claims Personal Injury Business Interruption Farm Loss 1 800 668 2167 Jessy Hawley CPA CGA CFF jhawley davismarrndale com x1218 Gary Phelps CPA CMA CFF CFE gphelps davismarrndale com x1229 davismartindale com

O N TA R I O M U T U A L S N E W S L E T T E R NOVEMBER 2017 MUT UA L NE W S 5th Annual Charity Golf Tournament Dumfries Mutual held its 5th Annual Charity Golf Tournament on June 15th raising 19 565 for the Cambridge Shelter Corporation The annual tournament serves two main purposes by raising money for a deserving local charity and thanking the partnering organizations Dumfries Mutual works with 139 golfers participated in a great day of golf at the Savannah Golf Links under favourable weather conditions Donations were raised through hole sponsorships a sponsored BBQ lunch player cards for mulligans a beat the pro contest and a putting competition and live and silent auctions A delicious steak dinner prepared by the golf course was enjoyed by all On an annual basis Dumfries Mutual selects a local charity who they feel is doing good work in the community and would make effective use of financial support Cambridge Shelter Corporation is a United Way partner agency who provides safe shelter as well as programs and services for people dealing with challenging life situations This nonprofit organization was developed from the Out of the Cold program in Cambridge which operated out of seven local churches during the winters of 1998 to 2005 Dumfries Mutual would like to thank all the sponsors and supporters of this year s deserving cause The staff agents and board of directors are already looking forward to the 2018 tournament 1 James Street South 4th Floor Hamilton ON L8P 4R5 www agrozaffiro com p 905 527 6877 f 905 527 4736 15

O N TA R I O M U T U A L S N E W S L E T T E R 16 NOVEMBER 2017 M U T U A L N E WS Positivity Days in CK Kent Essex Mutual was a sponsor of CK Positivity Days which involved 12 themed days in September with a focus on celebrating the many great aspects of the Chatham Kent community such as agriculture local business first responders educators and the not forprofit sector The staff also held a BBQ on Not For Profit Day to raise money for local organizations Team Building Workshop As part of a team building day held in the summer Ayr Farmers Mutual put on an Experience Economy Workshop facilitated by Dennis Mosley Williams Dennis examined what inspires AFM and what makes them inspiring He engaged the group with creative insights on how to develop experience driven solutions that deliver results increase revenues and build enthusiastic referrals Dennis is no stranger to the Mutuals having spoken at a recent P M and NAMIC conference He is an internationally known speaker specializing in the areas of business development and the creation and staging of client experiences It was a fun educational and enlightening day Ayr Farmers Mutual President Jeff Whiting left and Dennis Mosley Williams K E staff also donated supplies to Pet Wildlife Rescue and CK Animal Rescue in Chatham from the money they raised from their BBQ in support of CK Positivity Day s Celebrate Your Pet Day North Kent Mutual Insurance also hosted a charity BBQ as part of the Twelve Days of Positivity in Chatham Kent Proceeds from the day were directed toward Team North Kent as they participated in the Dresden Terry Fox Run

O N TA R I O M U T U A L S N E W S L E T T E R NOVEMBER 2017 MUT UA L NE W S Save the Date Golf Day There were plenty of smiles at the Annual Distributor Appreciation Golf Day on September 8th held at the Listowel Golf Country Club 2018 ONTARIO 4 H FOUNDATION GOLF TOURNAMENTS Golf West Thursday May 31 Victoria Park East Guelph ON Golf East Thursday June 14 Anderson Links Ottawa ON SHOW YOUR SUPPORT Register a Farm Mutual Foursome Donate an Auction Item Come for Dinner Only It turned out to be a beautiful day where 111 staff and broker agent partners enjoyed 9 holes of golf games and a great meal This year s event also featured a pig roast on the evening of September 7th Please Visit 4 HOntario ca golf Different by Design As Canada s fifth largest firm with dedicated financial services professionals in both rural and urban communities across Ontario MNP has your needs covered Whether your need is accounting consulting tax or technology solutions we are here to support you all the way Contact Jas Chahal CPA CA at 226 772 5242 or jas chahal mnp ca 17

O N TA R I O M U T U A L S N E W S L E T T E R 18 NOVEMBER 2017 M U T U A L N E WS Parade Agriculture Tour Westminster Mutual took part in the Harvestfest Parade in Lambeth a suburb of London The theme of the parade was Canada 150 It was a great day full of sunshine and fun The kids loved the moose Norfolk Mutual Business Development Manager Chris Hibbs and Agribusiness Underwriter Brent Roloson recently attended the Norfolk County Agriculture tour with industry business partners and the Norfolk County Mayor and Councillors They learned that the key parts to the future of the agriindustry are Product diversification Consumer centricity Automation Succession Management This undoubtedly sounds familiar to our Mutual community Get 140 years of experience in Insurance Defense working for you 380 Wellington St Suite 1600 London ON N6A 5B5 www bbo on ca bboinfo bbo on ca 519 679 0400 ph 519 679 6350 fax Norfolk County is lucky to have such a rich history and bright future in the agriculture business Thank you to the farms that allowed us to gain insight into their outstanding operations Chris Hibbs Left and Brent Roloson

O N TA R I O M U T U A L S N E W S L E T T E R NOVEMBER 2017 MUT UA L NE W S New Employees JORDAN CALDWELL is Halwell s newest Underwriting Assistant He completed the Business Insurance program at Fanshawe College and after that joined West Wawanosh Mutual as a Junior Underwriter for Personal Lines After working at West Wawanosh for just over a year Jordon decided to make a change and Halwell and the city of Guelph felt like the perfect fit JENNIFER HOLMAN is excited to join the Halwell team as a Personal Lines Farm Underwriter After sixteen years in the industry she brings experience with many different insurance products including auto property and farm Jennifer enjoys the challenges that insurance can bring as it allows her to use her problem solving skills to find solutions As a Guelph resident Jennifer is proud to be working for a local company that has a rich history in the Guelph community JACOB YACOUB HUSSEINI is excited to join Halwell Mutual as an IT Systems Administrator with a strong passion for Information Technology and Customer Service New residents to Guelph Jacob and his wife Rachael are proud look forward to exploring Halwell Mutual s home city Celebrating 30 Years Agent Doug Murphy received his own reserved parking space in recognition of 30 years with Cayuga Mutual Congratulations Doug Community Donation On August 23rd Middlesex Mutual presented the Women s Rural Resource Centre WRRC with a 10 000 donation to support their Community Garden Project in Middlesex County The Community Garden Project will address the sustainability of their Community Food Cupboard while providing cooking programs with fresh produce This funding will expand their resources through the purchase of tools and a greenhouse This year marks the 12th anniversary of the Middlesex Mutual Community Spirit Pledge which continues to support our community 19

O N TA R I O M U T U A L S N E W S L E T T E R 20 NOVEMBER 2017 M U T U A L N E WS Community Donation The Commonwell celebrated Canada 150 by supporting heritage causes in the Ontario communities that we serve As a community based business celebrating our own legacy of 122 years we recognized Canada 150 as the perfect opportunity to support heritage organizations and the important work they do to remember recount and re enact Canada s history for future generations Tim Shauf CEO of The Commonwell stated We have a long history of supporting community efforts and our existing CARE program is emblematic of that We re pleased to be able to participate in this extraordinary opportunity to help community organizations that would otherwise not fall under our CARE criteria Each cause received a donation of 25 000 These organizations curate history within the communities that The Commonwell serves with a focus on their farm mutual roots This donation was a surprise to these organizations and a great way to wish everyone a Happy Canada Day and take a moment to reflect on the history of our great country and the communities that built it THE RECIPIENTS WERE Kawartha Settlers Village Bobcaygeon Kawartha Lakes Lanark County Archives Perth The Hastings County Historical Society Belleville Hastings Rural Ottawa Museums Ottawa shared between Glengarry Pioneer Museum Dunvegan Lang Pioneer Museum Peterborough

O N TA R I O M U T U A L S N E W S L E T T E R NOVEMBER 2017 MUT UA L NE W S Community Pride North Kent Mutual is proud to have had two hometown girls at the IPM this Fall Chatham Kent Queen of the Furrow is Emma Richards a client and granddaughter of NKMi Director Phil Richards Chatham Kent Princess of the Furrow is Brynn Depencier client and student employee at North Kent Mutual Insurance Congratulations A professional shout out to CFO Jatinder Bassi who recently completed his Risk Management Certification with the Insurance Institute of Canada as well as his Canadian Risk Management CRM designation with the Global Risk Management Institute GRMI Well done Jatinder we re proud of you at Cayuga Mutual New Employees Jessica Knight joined OMIA on September 5th as an Office Assistant working in the Administrative Services Department Jessica lives in Paris and most recently worked at Sobeys and also at North Blenheim Mutual She is a welcome addition to the OMIA team Welcome Jessica On September 13th OMIA welcomed Tavia Tobey to the role of Marketing and Communications Assistant Tavia has a Bachelor of Arts degree from the University of Guelph where she studied psychology and sociology More recently Tavia graduated from the Public Relations and Corporate Communications post graduate program at Fanshawe College Welcome to OMIA Tavia and best of luck in your new role Canada s Insurance Replacement Specialists Preferred rates for insurance partners DIAL user friendly reservation system for varied accounts 24 7 live agent QuickCarTM rental kiosks Free customer pick up and return Direct billing to insurance carrier Canada s largest combined fleet of cars and trucks Interested to learn more We d love to hear from you Contact Courtney Thompson at cthompson discountcar com 21

O N TA R I O M U T U A L S N E W S L E T T E R 22 NOVEMBER 2017 M U T U A L N E WS New Employees Fall Fair NICK VUKAILOVIC joined us June 10th as our IT Another successful Fair is behind us This is an annual event that provides us with an opportunity to support our local community connect with current policyholders and meet potential clients Each year Middlesex Mutual is pleased to sponsor a booth at the Ilderton Fall Fair This year the booth focused on the Company s commitment to our community the dedication of our staff and agents and our innovative policies and practices Each day of the Fair featured a different Agent who came out and represented the Company Over the weekend Middlesex Mutual staff also volunteered their time and handed out hundreds of fresh apples from a local orchard Administrator Nick s responsibilities include IBS system administration Nick s prior experience was in IT for healthcare Nick is an employee of Tradition Mutual but also works two days a week at Westminster Mutual TATIANA BRISKIN joined our office in the underwriting department on August 28th She will assist in all areas of underwriting with a concentration on personal lines accounts She is a recent graduate of the insurance program PAUL BURNS joined Tradition on August 1st as our new Business Development Manager He will be working closely with our agents and brokers to help grow our book of business Paul comes to Tradition with 28 years in the insurance industry having worked in both the company and broker sides of the business His background includes sales and underwriting in all lines of business Volunteers Danielle and Sandy with President CEO Nancy Preston Nick Vukailovic Left Tatiana Briskin and Paul Burns Agent Fran Dow with co worker Sandy and a friend visiting the booth

O N TA R I O M U T U A L S N E W S L E T T E R NOVEMBER 2017 MUT UA L NE W S A Part of Canada s History Members of Erie Mutual were present at the dedication and unveiling of a commemorative marker on September 24th in the tiny hamlet of Canfield Ontario Haldimand County The granite marker recognized the Underground Railroad of the 1830s which provided a safe haven to people escaping slavery in the United States Erie Mutual was one of several generous financial contributors to this significant historical marker recognizing Canadian Black History in Haldimand County and Canada The official ceremony welcomed direct descendants of the approximately 127 black families who settled in the Canfield area by the 1850s Allan Hedley Director with Cayuga Mutual and Past Chair of OMIA was raised on the family farm just on the east edge of Canfield Hwy 3 and was also in attendance with his wife Renee at the dedication ceremony Among the first settlers were Stepney Street and his wife Lucy Canada who escaped from West Virginia in 1844 He eventually built a wooden Baptist Church at the intersection of Hwy 3 and Hwy 56 It was rebuilt as a brick structure after a fire and still stands today in the same location serving as a private residence Standing next to the ten tonne granite marker which holds the bronze inscription denoting the Underground Railroad are Erie Mutual Chair Warren Burger Mrs Sylvia Weaver Volunteer Member of Heritage Haldimand and Erie Mutual Director Mark Moesker George Phillips born into slavery near Baltimore Maryland escaped by crossing the Niagara River clinging to a log and eventually settled in Canfield via the assistance of the Underground Railroad He left behind his wife and nine children whom he never saw again He eventually remarried in Canfield had twelve more children and died at the age of 108 These are just two of the important stories that form part of Canada s history Mrs Sylvia Weaver Heritage Haldimand was the driving force in getting Haldimand County to erect this permanent marker with the assistance of the Canfield Community Center Committee The marker is situated close to the Canfield Cemetery where many family members of the early settlers are buried Descendants of the early settlers of Canfield Ontario 23

O N TA R I O M U T U A L S N E W S L E T T E R 24 NOVEMBER 2017 M U T U A L N E WS Appreciation BBQ and Employee Milestones Howick Mutual hosted our annual Broker Appreciation BBQ on September 14th We were thrilled to have a record number of brokers in attendance with the majority dressed to the theme Canada 150 During the event Howick Mutual recognized staff members who had reached employment milestones CAROL MURRAY 35 years DONNA ROWLEY 25 years RAY CARMOUNT 20 years JENNIFER ELSTON 10 years MAUREEN SCOTT 10 years STEVE BRADLEY 10 years We re very grateful and fortunate to have so many long term employees within our organization Congratulations to this group of valued employees Clothing Drive 5 Star Rating by Carrier Brokers Heartland Farm Mutual is proud to have scored top marks with insurance brokers according to a recent survey by Insurance Business Canada magazine We received gold stars for our claims processing range of products underwriting expertise competitive rates reputation financial stability and for our commitment to the broker distribution channel We are thankful to our brokers for this honour and appreciate all of our business partners for their support The Farm Mutual Re OMIA summer 2017 clothing drive was a huge success A total of 241 lbs of clothing items including hats belts jewellery jackets shoes and business attire were donated OMIA s Rachel Carew

O N TA R I O M U T U A L S N E W S L E T T E R New Employees Farm Mutual Re would like to congratulate KELI JENNINGS as she began her full time position as Administrative Assistant on July 24 Keli joined Farm Mutual Re in February 2016 as a Claims Intern She is a Licensed Paralegal and holds a diploma from Sheridan College Congratulations Keli On September 5th Farm Mutual Re welcomed RYLIE SWANSON in the role of Communications Assistant Coop Rylie will be joining the Operations Department for eight months She is currently pursuing her Honours Bachelor of Business Administration with a concentration in Marketing at Brock University Best of luck in your new role Rylie On September 5th Farm Mutual Re and the Actuarial department welcomed TJUN TUEN to the role of Actuarial Analyst Intern for four months Tjun is a recent graduate from the University of Waterloo with a Joint Honours Bachelor of Mathematics He majored in Actuarial Science and Statistics and achieved Distinction on the Dean s Honours List Welcome Tjun Holstein Show Peel Mutual had a booth at the Autumn Holstein Show in Orangeville on October 18th Pictured are two of our brokers from Hambly Insurance Melodie Beckett left and Jane Hambly right APRIL 2017

O N TA R I O M U T U A L S N E W S L E T T E R 26 NOVEMBER 2017 M U T U A L N E WS Volunteer Day A handful of Trillium staff were put to work on their volunteer day at the J Steckle Heritage Homestead in Kitchener They kept busy cleaning up the goat paddock sweeping the barn floor feeding the pigs and painting signs On September 16th Christa Pam Bernice Heather and Barb used their Volunteer Day to help out at Breakfast on the Farm at Maplevue Farms in Listowel Left to Right Mike Kendra Rhonda Scott and Jeff IPM Sponsorship Usborne Hibbert Mutual Fire Insurance Company Usborne Hibbert Mutual Fire Insurance Company IPM attendees were treated to hours of entertainment on the 2017 Main Stage proudly sponsored by the five Huron County Mutuals Hay Mutual Howick Mutual McKillop Mutual Usborne Hibbert Mutual and West Wawanosh Mutual Two prominent appearances on the Main Stage were Prime Minister Justin Trudeau and his family and George Canyon To learn more contact BizXcel today www BizXcel com Qlik Toll free 866 905 2228

O N TA R I O M U T U A L S N E W S L E T T E R NOVEMBER 2017 MUT UA L NE W S Supporting Mutual Communities Farm Mutual Re is lending financial and technical support to government agencies and not for profit organizations serving the agricultural community Loss prevention services contributed to the publication of OMAFRA s Reducing the Risk of Fire On Your Farm Farm Mutual Re is also supporting research sponsored by Farm and Food Care Ontario a non profit coalition representing Ontario farmers and associated businesses The research will determine whether thermal devices permanently installed in farm buildings are effective at identifying heat signatures and thereby reducing the risk of loss caused by fire We proudly support the applied research network Partners for Action P4A to advance flood resiliency in Canada in the face of a changing climate and extreme weather The Partners for Action vision is A risk aware Canada where homeowners take responsibility for protecting themselves and recovering from flood and decision makers consider flood risk in planning and preparing our communities We encourage members to take advantage of the valuable resources and best practices made available by P4A on their website uwaterloo ca partners for action to assist in internal business decisions and to increase policyholder awareness Dragon Boats The Tradition Mutual Wave Makers participated in the Stratford Dragon Boat Festival on September 16th competing in the Community Event Division Our team consisted of 16 members of our staff and a few family members It was a wonderful day of team building on a bright sunny day We were happy to support the Stratford Rotary Respite House Our all rookie team was up for the challenge and thanks to our coaches for the day we turned in a great showing We ended up in second place in our division only a half second behind the winning entry Hopefully this becomes a new Tradition for us 27

O N TA R I O M U T U A L S N E W S L E T T E R 28 NOVEMBER 2017 M U T U A L N E WS International Plowing Match The 2017 International Plowing Match was one for the ages This year marked Canada s 150th as well as the 100th year of the Match As Presenting Partners of the IPM Ontario Mutuals have a lot to be proud of Our tent boasted the Mutuals stage with all day entertainment and awards ceremonies we gave away our incredibly popular yardsticks nine Mutuals participated with their own displays inside the tent Trillium s own Rhonda Ryan is a member of the IPM host farm family the Ryans and one of our Mutual Directors Jacquie Bishop Howick Mutual had the honour of being the first woman to Chair the IPM Committee in all of its 100 years This year also marked our first of three years as Presenting Partner of the Ontario Queen of the Furrow Competition This is a valuable program that supports young women in agriculture and on a broader scale it supports the future leaders in our communities Ontario Mutuals couldn t be more aligned with or supportive of this valuable program Congratulations to the 2017 2018 Queen Kailey Donaldson of Halton County Also exciting was our neighbouring tent which held the five Huron County Mutuals Hay Howick McKillop Usborne Hibbert and West Wawanosh They hosted the Hockey Hall of Fame which came with trophies former NHL stars

O N TA R I O M U T U A L S N E W S L E T T E R NOVEMBER 2017 MUT UA L NE W S signing autographs a mini rink and a top shot game The free mini sticks and numerous displays were a huge hit as well All told we had about 10 800 square feet of Mutual representation on Mutual Avenue Although the event had to close for one day due to unsafe wet conditions the weather couldn t dampen the spirits of the Mutual participants or the IPM visitors Justin Trudeau and his family even made it out to the plowing fields for a day Rubber boots on and mulch on the tent floor we continued forward and handed out every last one of our 5 500 yardsticks and 4 000 Ontario Mutuals bags by 3pm on Saturday the 23rd This event provides a wonderful opportunity for Mutual Members to connect with their agricultural community current policyholders and potential policyholders alike Next year s match takes place in PainCourt Chatham Kent from September 18th to 22nd 2018 We look forward to seeing your company represented there 29

O N TA R I O M U T U A L S N E W S L E T T E R 30 NOVEMBER 2017 M U T U A L N E WS Terry Fox Run Volunteers Kayla and her mom Jan Barnwell helping with registration Agent and run organizer Tara McKenzie with her son Charlie This year s Annual Terry Fox Run was coordinated by our dedicated Agent Tara McKenzie who has been a run organizer for many years Fundraising efforts took place on September 17th and were hosted by Middlesex Mutual The office facility was used to organize and register over one hundred participants Ilderton Ontario was able to raise almost 11 000 and all of the proceeds were donated to the Terry Fox Foundation Board Director Gary Goertz with his family participating in the Terry Fox Run Volunteers Cindy Bishop Brooks An Historic IPM Chair Howick Mutual Board Vice Chair Jacquie Bishop will go down in history as the IPM s first ever female Chair Since being appointed IPM Chair in June 2013 Jacquie has been instrumental in leading and overseeing the four years of planning Jacquie is quick to give credit to the incredible volunteers that assembled for IPM 2017 who in turn commend her on her leadership and dedication No matter the task she takes on Jacquie is known for her passion and commitment Howick Mutual is very proud of Jacquie and would like to thank her for being a tireless ambassador of not only community and agriculture but of Howick Mutual Insurance as well

O N TA R I O M U T U A L S N E W S L E T T E R NOVEMBER 2017 MUT UA L NE W S Rebranding Fundraising The uniqueness of the mutual model and MMFI s reputation for stellar customer service has created a culture where our policyholders truly feel we are their company This feeling has led us to rebrand reflecting our biggest asset our customers This new identity moves us forward in so many ways It is unique inclusive flexible marketable and reflective of current and future policy holders We anticipate that this move will bring greater awareness to our brand and our products while adding a fresh and friendly face to the insurance product choice landscape West Wawanosh Mutual and the Alexandra Marine and General Hospital Foundation were together at the 2017 International Plowing Match September 19th to 23rd giving away five Apple iPads to lucky supporters of the Alexandra Marine and General Hospital With the roll out of our new brand many changes were implemented one being the release of our new our website While we are still fine tuning we love the clean userfriendly layout and the positive feedback from our brokers You can visit us at www mymutualinsurance ca These are exciting times for us at My Mutual Insurance and as 2018 draws nearer we wish our mutual friends all the best in the coming year Recognizing the Alexandra and Marine General Hospital AMGH as a significant provider of hospital services in Huron County and an integral health care provider to their community West Wawanosh decided to join the Foundation in their fundraising efforts Over the summer months and throughout the IPM the AMGH Foundation sold raffle tickets for a chance to win one of five iPads purchased by WWMIC All proceeds from ticket sales over 3 000 were donated by West Wawanosh Mutual to the AMGH Foundation to enhance the care and services at the hospital West Wawanosh and the Foundation selected one winning ticket each day of the IPM Congratulations to the lucky winners Bob Orr Jeff Boyce Jean Imanse Brad VanBakel and Bob Wright Chris Harms Administrator enjoys her new workspace The Foundation is so grateful to West Wawanosh and to all those who purchased tickets We count on the spirit and generosity of our community to help us support quality health care close to home shared Shannon Cathie Simpson President CEO West LaHay Foundation Wawanosh Mutual presents winners Jean Coordinator Imanse left and Bob Orr right with their new iPads 31

O N TA R I O M U T U A L S N E W S L E T T E R 32 NOVEMBER 2017 M U T U A L N E WS Website Launch Wabisa Mutual is excited to announce that our new and refreshed website is now live It was essential that our website be updated to reflect our brand following our recent branding project Our website has been redesigned to enhance user friendliness and appeal Improvements have been made to the structure of our content navigation and our website is now mobile and desktop friendly Explore our new and improved website at www wabisamutual com Staff Anniversaries Everyone at West Elgin Mutual would like to congratulate Paul McWilliam Agent and Sandra Ley Underwriting Manager on their 30th anniversaries with the company Pssst The secret ingredient in the Van Daele family turkey gravy maple syrup Specializing in Subrogation Maximize your subrogation recoveries and free time for your staff to focus on more critical adjusting work Around the World Outsource all of your subrogation needs for one low yearly fee We can handle individual subrogation files on a contingency or flat fee basis depending on your preference Please contact us to discuss your subrogation needs request a price list or to book a FREE file review Suite 216 762 Upper James St Hamilton ON 905 389 4522 christine sageclaims ca sageclaims ca This time our Ontario Mutuals gear got to visit Granada Spain thanks to OMIA s Rachel Carew

O N TA R I O M U T U A L S N E W S L E T T E R NOVEMBER 2017 MUT UA L NE W S Appointment edgemutual Board Chair Arnold Rumph on behalf of the Board of Directors of Edge Mutual Insurance Company is pleased to announce the appointment of Carlos Rodrigues to the position of President and Chief Executive Officer CEO effective November 20th I N S U R A N C E C O M PA N Y Mr Rodrigues succeeds incumbent CEO Ruth Donkersgoed who retires shortly after the new CEO takes over the role Ruth will act as a resource for Carlos during the transition period prior to her retirement Carlos has been the President and CEO for Heartland Farm Mutual Insurance Company since 2005 and helped that organization introduce significant and responsible growth during his tenure there He has worked his entire career within the Property and Casualty insurance industry including Vice President positions with CUMIS General Insurance who serve credit unions and Economical Mutual Insurance where he was responsible for the underwriting personal and commercial lines division Mr Rodrigues is a Certified Accountant with a CPA designation from Wilfrid Laurier University and an MBA from Queen s University He has attained his FCIP designation and completed many professional development courses including Wilfrid Laurier s Master Manager Program He is currently a member of the Insurance Bureau of Canada s Governing Council and PACCIC Board Carlos has served on the Boards of the Insurance Institute of Ontario and National Association of Mutual Insurance Companies Mr Rumph said We are quite excited to have someone joining our company with the professional insurance credentials and successes Carlos has accomplished throughout his career He will bring outstanding leadership and a demonstrated track record for fostering strong working relationships with staff and broker partners We know he will work well with our team in continuing to move Edge Mutual forward and capitalize on the excellent results they have generated to date Carlos and his wife Lana have three grown children and two granddaughters He enjoys spending time with family and likes to follow his favourite sports teams 33

O N TA R I O M U T U A L S N E W S L E T T E R NOVEMBER 2017 M U T U A L N E WS 34 Ontario Mutuals at a glance Year over year comparison measures the growth activity of a business Many executives and underwriting and claims Managers rely on this information to determine trends within their book of business Many notable findings were discovered in the 2017 report as of September 2017 including Among the top ten kinds of losses fire wind and water have remained the largest causes of loss among all Mutuals Since introducing water coverages in 2017 the Mutuals have experienced approximately 58M in loss Fire other has reduced by 14M compared to 2016 despite this reduction fire other should still be a major concern for the Mutuals Wind related losses have increased by fourfold year to date 2017 This data was provided by OMIA s Shawn Zhang Business Intelligence Analyst 90 Kinds of Loss in Millions 80 80 70 66 60 61 50 40 30 30 25 20 10 25 14 12 8 0 27 0701 Wind 3 4 4 9999 Other 4 4 4 7 4 5 0 0199 Fire Other 0801 Theft incl 0101 FireBuglary and Wood Solid Fuel Robbery Heating 2015 1 2016 Note Data collection for 0622 Sump 0611 Rupture and 0632 Sump began in 2016 2017 8 5 0603 Flood 13 12 0102 FireElectrical 0622 Sump 13 6 0611 Rupture 0632Sump 0632Sump

O N TA R I O M U T U A L S N E W S L E T T E R NOVEMBER 2017 MUT UA L NE W S Business Development Restructuring Martina Kipouros As Farm Mutual Re continues to evolve and grow to support the sustainability and independence of the mutual community we maintain a strong focus on the knowledge skills and capabilities of our workforce to successfully meet our service promises to you Farm Mutual Re is committed to providing our members with agricultural product solutions consistent with the size scale and complexity of today s agricultural risks Farm Mutual Re also assists mutual insurers with targeting underwriting and pricing of commercial risks located Sharon Turnbull in their low density rural market areas We recognize mutual insurance companies must adapt to changes in farming operations and commercial activities in rural communities and maintain and possibly expand market share to increase premiums written The need to adapt is becoming increasingly important as agricultural operations move down the food value chain to processing distribution and the consumer To increase the value to our members in addressing these risks we have taken steps to divide our business development area into two main streams of service product services and analytics To support this change we have Halloween Spirit Westminster Mutual s Jeff Wettlaufer and Middlesex Mutual s Nancy Preston showed their Halloween Spirit on October 31st strengthened the team with the addition of a senior leader with expertise in commercial underwriting Matina Kipouros joined our team on September 27th accepting the newly created position of AVP Commercial Opportunities and Services Matina is an insurance executive with a Master s Degree in Administration and Planning and over 30 years of experience in the insurance industry with a focus on commercial underwriting Matina s most recent role was as Vice President of Underwriting and Marketing with Saskatchewan Mutual Insurance Matina will lead the Product Services Department at Farm Mutual Re Sharon Turnbull will take on a new leadership role within the organization in the capacity of AVP Integrated Analytic Services Sharon will be able to dedicate the required time to focus on development and delivery of analytical and digital information services that a mutual insurance company can integrate into its insurance operations to improve the efficiency and or effectiveness of its underwriting risk selection and premium rating With this organizational structure and leadership our business development discipline will be well positioned to deliver products and analytical services to empower and advance the mutual community 35

O N TA R I O M U T U A L S N E W S L E T T E R 36 NOVEMBER 2017 M U T U A L N E WS Community Room New Employee HTM Insurance is happy to report that the large community room in our new building is being put to use It s intended to provide non profit groups with a location for their meetings at no charge and we ve had a tremendous amount of response from the public in the use of this fully accessible room Organizations such as support groups a quartet and several committees have already booked the area It is open seven days a week and organizations will have full access to the 1 000 square foot space chairs tables the attached kitchenette a projector sound system coat closet and more On October 2nd Cayuga Mutual welcomed Brooke McGale to the role of Adjuster in the Claims Department Brooke has seven years experience as an adjuster and holds a Bachelor of Arts Degree from McMaster University Welcome Brooke Staff Training HTM hosted 4 H Ontario Staff during their Conference from October 3rd to 5th 4 H Staff enjoyed the new community room and the weather was so warm that eating lunch on the patio was a delight Terrye Calnan Secretary Treasurer spoke about HTM s accomplishments and their new building This is an example of the 4 H and Ontario Mutuals partnership in action Functional Rehabilitation Inc is one of the only privately Canadian owned and operated assessment and rehabilitation companies in Ontario We re proud to offer personalized boutique style service 24 7 rapid response creative problem solving streamlined and modern reports with a unique and easy to read structure a medical resource team always available for consultation thoughtful holistic based assessment and treatment Give us a call we welcome the opportunity to discuss how beneficial a partnership with Functional Rehab can be Mutual Insurers get a 10 discount 115 King Street West Suite 200 Dundas ON L9H 1V1 Phone 905 628 5902 Toll Free 1 800 265 1359 Fax 905 628 3715 referrals functionalrehab ca www functionalrehab ca

O N TA R I O M U T U A L S N E W S L E T T E R NOVEMBER 2017 MUT UA L NE W S Trillium Gives Back The Trillium Mutual ROOTS Community Fund has made some major contributions this year A total of 680 132 has been distributed Some of the highlights are A 15 000 Pledge was made to the Walkerton District Hospital Foundation on its CT Scanner Campaign While Trillium Mutual is located in Listowel the ROOTS Council was quick to see the far reaching benefits of improvements to Walkerton s South Bruce Grey Health Centre The CT Scanner Campaign is hoping to raise 1 2 million towards this capital project A new CT scanner will benefit the municipalities of Brockton Huron West Grey Arran Elderslie Kincardine and Hanover by allowing residents to receive medical care close to home Trillium pledged 15 000 to the Temiskaming Hospital Foundation s Care Close to Home campaign The ROOTS Council sees the far reaching benefits of improvements to this hospital and its entire surrounding rural community In order to continue to deliver high standards of medical care the Care Close to Home campaign is hoping to raise 6 5 million to fund necessary improvements for the hospital Improvements are planned for Radiology Obstetrics the Laboratory and Operating Room Left to Right Denis Lacroix Major Gifts Fundraising Committee Pam Murray Trillium Mutual Insurance and Georgette Saxton Foundation Chair We are also pleased to announce financial support in the amount of 10 000 to the Chesley Area Fire Department The funding provided will be used to assist with the purchase of Public Fire Life Safety Education equipment Left to Right Andy Dales and Maureen Schular both on the CT Scan Committee Joe Dietrich President CEO Trillium Mutual Brittany Buehlow WDHF Admin Assistant Karen Schmalz Trillium ROOTS Council member Ken Schaus Director Trillium Mutual Debbie Brick Trillium Staff and Tim Mancell CT Scan Committee Left to Right Scott Cumming Trillium Mutual Board member John Winkels Larry Walpole Scott Thomson members of the Chesley Fire Department and Jenn Isber Legge ROOTS Council Member 37

O N TA R I O M U T U A L S N E W S L E T T E R 38 M U T U A L N E WS NOVEMBER 2017 20 17 P M BLUE MOUNTA INS Presidents and Managers Meeting in Pictures The Presidents Managers Meeting took place from October 22nd to 24th at Blue Mountain Resort and Village Conference Centre Our keynote speaker was renowned loyalty expert Dr James Kane who shared his research and theory on how humans are wired to make loyalty decisions Our education sessions featured Craig Christie and Brent Joyce on how different asset classes add investment value in a changing environment and Lyn McDonell highlighted Key Qualities for a Board Chair On our second day we hosted Harvest Robotics Farm and Food Care Ontario who provided insight on using technology to reduce barn fire risk and Cheryl Byrne discussed mutual board skills models The closing Keynote speaker was Dr Nick Bontis and his presentation Think Ahead Take the Knowledge Journey Keynote speaker James Kane opened the event with an eye opening presentation about loyalty We were also happy to present the Distinguished Service Award to Jack Taylor of The Commonwell Mutual Insurance Group Next year s meeting takes place at Fallsview Casino Hilton Hotel Niagara Falls Ontario from October 21st to 23rd 2018 A group from The Commonwell Mutual attended the awards luncheon to support Distinguished Service Award recipient Jack Taylor pictured right with OMIA Chair Christine Van Daele

O N TA R I O M U T U A L S N E W S L E T T E R EVENT S NOVEMBER 2017 MUT UA L NE W S Canada s Outdoor Farm Show Ontario Mutuals once again had a booth at Canada s Outdoor Farm Show in Woodstock from September 12th to 14th It s Canada s largest outdoor agricultural trade show and has many unique offerings for visitors from the farming community Mutual participants engaged with visitors via the prize wheel and the Loss Prevention fire extinguisher display which is always a hit Brandon Mina OMIA Left and Ryan Dufton Dumfries Mutual Maja Marosevic Left and Sharon Jenne Farm Mutual Re Future Events 2018 London Farm Show March 7th to 9th Western Fair Grounds London 2018 Ottawa Valley Farm Show March 13th to 15th EY Centre Ottawa 2018 Annual Convention March 21st to 23rd Sheraton Centre Toronto 2018 OMIA Golf Tournament June 6th Seaforth Golf Country Club 2018 Canadian Outdoor Farm Show September 11th to 13th Canada s Outdoor Park Woodstock 2018 International Plowing Match September 18th to 22nd Pain Court Chatham Kent 2018 IBAO Convention October 17th and 18th Fallsview Casino Hilton Hotel Niagara Falls 2018 P M Meeting October 21st to 23rd Fallsview Casino Hilton Hotel Niagara Falls 39

Please send your news photos updates and more to marketing omia com OMIA News can be read online at OMIA com and sign in is not necessary Just visit www omia com and pick OMIA NEWS from the menu on the left of the page READY TO GO GREEN Please drop us an email if you d prefer to read your OMIA News online and help us save paper and ink Email marketing omia com and we ll be sure that your name is included on the email notification that goes out when a new issue is available And keep that news coming Address 350 Pinebush Road Cambridge Ontario N1T 1Z6 519 622 9220 Fax 519 622 9227 Mail P O Box 3187 Cambridge ON N3H 4S6 www omia com