OM News August 2019 : simplebooklet.com

4My rst four months as your OMIA chair seem to have own by! I have thoroughly enjoyed my role, and the opportunities it has provided me. I got to experience Maritime hospitality rsthand at the MAMIC Convention in Digby, Nova Scotia. We all had opportunities to learn, spend time with our eastern counterparts and listen to the banter about who has the best lobster (mine looked as if it had been on steroids.) My education continued at the NAMIC Managers Conference in Ashville, North Carolina. The quality of speakers was exceptional. One of my take home quotes is, “Leadership has nothing to do with your position or title.” This past spring was one of the most challenging for crop planting that most people can remember. For some insurance companies, the excess water resulted in substantial claims. It seems ironic that now our area could use some rain! One of my 3 “P’s” this year is for Policyholders. As it turns out, there seems to be an inux of people wanting to be policyholders of mutual companies. How we as individual companies respond to this demand is a choice for each company to make. You may see this as an opportunity or a concern but, as always. communication with your sales force, staff and board is so important!I hope everyone is having a great summer.Yours in Mutuality,Bob BurleyHTM Insurance CompanyPolicyholders,People, Proﬁt.A Message from OMIA’s ChairBob Burley

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August 20195Canada’s Outdoor Farm Show September 10-12 Woodstock, ON.Canada’s Outdoor Farm Show is the country’s largest outdoor agricultural trade show. COFS offers “one-stop shopping” for farmers and highlights the most innovative and technologically advanced agricultural products and services available, including mutual insurance!The Ontario Mutuals booth is located in the FCC Industry Pavillion (FCC-5), participants at our booth will meet and greet visitors and share the Ontario Mutuals story.International Plowing Match & Rural Expo September 17-21 Verner, ON.Ontario Mutuals are a proud presenting partner of the IPM. This year we will have two tents! One for the Ontario Mutuals Entertainment Stage and the other to showcase the Ontario Mutuals (and maybe hand out a treat or two). Participants, including company directors, managers and staff (including agents) are still needed and help to make this event a success!For more information or to sign-up to participate please visit: omiaevents.caIBAO ConventionOctober 23-24 Toronto, ON.This Convention has set the standard for providing the most powerful networking opportunity available to Insurance Brokers.OMIA will be supporting this important event again on behalf of Member Companies. This includes activity at the trade show booth and hospitality night. Visit omiaevents.ca/ibao if you would like to participate.President’s & Managers MeetingOctober 27-29 Ottawa, ON.As always, the President’s and Managers meeting will feature thought provoking speakers and the opportunity to network with other Mutuals. This year’s meeting is taking place in Ottawa. More information to follow.Questions? Concerns? Please e-mail: marketing@omia.comUPCOMING EVENTSOMIA is pleased to facilitate the Ontario Mutuals presence at signicant community and industry events. This fall, we will be in Woodstock at the Outdoor Farm Show, in Verner at the IPM, in Toronto at the IBAO Convention and in Ottawa at our own Presidents & Managers Conference. Please see below for more details. We look forward to seeing your company represented. Policyholders • People • Profit

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6BCM INSURANCE We’re thrilled to welcome Andrew Madill to the family as our rst Customer Service Professional. Andrew joined the team in May with over 5 years of broker insurance experience. Andrew is a life-long Niagara resident and he brings his passion for insurance and delivering superior customer service to BCM. Welcome! HEARTLAND FARM MUTUAL Angela Smith has joined our team in the new role of Business Development & Marketing Manager. Angela brings 17 years of insurance experience, on the broker side, and in underwriting and business development. She has her CIP and is working on obtaining her CRM. We are excited to expand on Angela’s passion for insurance and building relationships with our industry partners. Angela and her family reside in Monkton, Ont.PEI MUTUAL We recently welcomed Karen Cameron to our mutual team as Sales and Distribution Manager. Karen holds a Masters of Business Administration degree from Wilfrid Laurier University in Waterloo and has held positions as Manager of Customer Product, Business Process Project Ofcer, Head of Financial Planning and Change Management, National Director of a Humanitarian Agency, Management Consultant, Operations Manager and Executive Director at various companies. Karen resides in Summerside with her family. We look forward to working with Ms. Cameron in her new role.HTM INSURANCE We would like to welcome Tifanny Gibbs to our team. She will be taking on the role of Personal Lines Underwriter. She joined the HTM team in May, and has been a great addition to our company. With her knowledge and educational background, she will have a bright future at HTM.NEW TEAM MEMBERSWelcoming New Faces to the Mutual System

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August 20197ERIE MUTUAL We’re thrilled to announce that Brittani Powell joined Team Erie in April as our Customer Experience Assistant. Brittani is a graduate of the Mohawk College Insurance program and has also completed three credits toward her CIP designation. Brittani also successfully completed her OTL examination. Brittani will aid in assisting Erie members with their insurance needs and welcoming those visiting our ofce with a warm and friendly greeting. Brittany shows condence in her work efforts and is eager to learn and contribute to the Erie Mutual customer experience. Welcome to Team Erie, Brittani.MCKILLOP MUTUAL We’re excited to welcome Danielle Dale to our team. Danielle joined us on May 14th as an Agri/Commerical Underwriter, bringing with her a wealth of knowledge and experience. She has previously held her RIBO licence and holds CIP and CAIB designations. Danielle has had a diverse insurance career, with past experience in a large brokerage, with farm mutuals, and with a large Canadian insurer where she was a Commercial Underwriter, trainer and subject matter expert. Danielle has been a great t and addition to our McKillop Team.WEST ELGIN MUTUAL We’re happy to announce that Matt Bailey joined our Claims Department as a Property Adjuster on May 6th. He earned his Bachelor’s Degree in Kinesiology from Western University. For the last two years, Matt has been a Property Loss Specialist for Belfor Property Restoration. Matt has roots in Wallaceburg and Ridgetown where his community involvement included coaching for the Ontario Minor Hockey Association and Ontario Baseball. He also volunteers as a community meal facilitator involved in preparing and delivering free meals to the Wallaceburg community and is a certied First Aid Instructor with the Lifesaving Society of Ontario.WEST ELGIN MUTUAL Mikayla Myers has been with us on a part-time basis since August 2018 and we’re happy to report that she recently accepted a full-time role as Administrative Assistant in our Aylmer ofce.She is a graduate of West Elgin Secondary School and she received an advanced diploma from Sheridan College and previously worked as a Customer Service Representative at Great-West Life in London.HTM INSURANCE We would like to welcome Allison Noronha to our team. She will be taking on the role of Personal Lines Underwriter. With her educational and professional background, we believe she will be an excellent addition to our company.NOVA MUTUAL has welcomed six new team members this spring. CEO Gary Anderson is dedicated to building Nova Mutual Culture - by design. “Nova Mutual Insurance is strategically focused on creating an environment which empowers our people to embrace high performance in their careers.”Myranda Eechaute Intermediate UnderwriterLyndsey Verkindt Underwriting SupportManie Walker People & Culture LeaderMark Jasek Network EngineerShawn Morton Chief Information OfcerLiane Varga ControllerNEW TEAM MEMBERS

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8HALWELL MUTUAL Jessa De Castro has started with us in a Junior Claims role. For the past three years, Jessa has worked as a Commercial Lines CSR and has prior experience in claims. Jessa has been searching for a position to allow her to get back into claims in order to help people. We look forward to her strong work ethic and professional attitude at Halwell. We’re excited to welcome her aboard!HALWELL MUTUAL is happy to welcome Sarah Agley to our team as a Junior Accounting Assistant. Sarah is starting her journey in insurance with various accounting and marketing courses under her belt, and experience working in group benets at Sunlife Financial. Most recently, she explored her career opportunities while working at a daycare in the toddler classroom, but has been searching for a role where she can grow and return to accounting with intentions of upgrading her education in the eld. She looks forward to enhancing her skills, and we look forward to having her!NORTH BLENHEIM MUTUAL We’re pleased to announce that we welcomed three new people to our team at North Blenheim Mutual. Andrew Mount joined us as a Commercial Property Underwriter with his CIP and CRM and 18 years of industry experience as a Broker, Agent, Underwriter and Business Development manager. Amanda Johnson joined us as a licensed Agent Care Representative. She has 20 years of experience in the customer service industry and 3 years of experience as a Broker. Sara Fulton joined our team in Accounting and Policy Administration with 5 years of customer service experience, and an education background in business and human resources. Andrew MountAmanda JohnsonSara FultonHOWICK MUTUAL Jeff Bowen joined our management team as IT Manager on May 29th. Jeff has 20 years of IT experience and for the past 13 years has been the Information Systems Manager at Quality Homes in Mount Forest. Jeff is a graduate of Humber College of Applied Arts and Technology and has also achieved many IT related certications and accreditations. Jeff’s leadership skills and technical expertise make him a great addition to our management team. HOWICK MUTUAL Brett Martin joined our Loss Prevention team on May 27th. Brett has nine years of experience as a Risk Assessment Specialist within the farm mutual industry. He has completed his CIP designation, has his Level 1 Thermal/Infrared certication and a Construction Supervisor diploma. Along with his knowledge of farming, he brings a wealth of skills and experience, making him a great t for Howick. HOWICK MUTUAL We are also pleased to announce that Jason Goll joined us as our new Claims Manager on June 24th. Jason has more than 24 years of experience in the insurance industry, starting his career in underwriting within the farm mutual family. He has spent the majority of his career in claims with both Crawford & Company (12 years) and most recently with Intact Insurance (11 years) as a Senior P&C Adjuster. Jason is a graduate of the Fanshawe Business of Insurance program and has obtained his CIP designation. Jason’s knowledge and expertise in claims, along with his leadership skills make him a great t for Howick.SE MUTUAL Emily Boss has taken on a new role as a Personal Lines Underwriter/Digital Marketing Specialist.NEW TEAM MEMBERS

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August 20199OMIA is pleased to welcome Jackie Roy to our team as our Compliance Resource Ofcer. Jackie is coming to us from the Workplace Safety and Insurance Board after a distinguished career at Crawford & Company.Jackie is a certied Privacy Ofcer and Risk Manager with over 25 years of experience in both private and public insurance, focusing on claims and risk management solutions and specializing in privacy/compliance and ethics and corporate services. She has extensive experience in insurance, privacy, risk management, complaints handling, compliance and management. Jackie will collaborate with our member companies in developing and implementing regulatory compliance policies and risk management frameworks.HOWARD MUTUAL Yvonne Miller joined Howard Mutual Insurance Company in May as a Multi-Line Underwriter. She acquired her CIP designation in 2012 and brings with her over 20 years of insurance knowledge and experience in an Underwriting department to Howard. Yvonne is an asset to our busy Underwriting Department and we’re happy to welcome her to our team.Cassandra Hamelin has joined our team as Property Underwriter. Cassandra brings to her role over 11 of years of experience in the insurance industry.Dan Martin is our newest member of the Insurance Services Department. Dan recently joined the K&E team in the role of Information Technologist Specialist and brings over 20 years of experience in the IT industry. Greg Balan is a new member of the Claims Department as a Claims Adjuster. Greg brings over 21 years of claims experience in all lines of insurance specializing most recently in commercial property damage and liability claims. Bree Antunes has joined the K&E team as Loss Control Manager. Bree will be responsible for the overall management of all loss control functions. She brings over 12 years of loss control experience and holds a Masters in Business Administration, Bachelor of Science degree, CIP designation and has her Level II Thermography Certicate. KENT & ESSEX MUTUAL We’re pleased to announce that we welcomed ve new people to our team at Kent & Essex Mutual. Please join us in welcoming:Emily Goncalo has accepted a contract position as an Underwriting Assistant. She has recently obtained her diploma in Ofce Administration. Welcome, Emily, to the Auto Insurance Department. Remember to send your news to marketing@omia.com so we can recognize your Mutual’s story! The next issue is out in November and submissions are due October 11th!Specializing in Subrogation focusMaximizeyour subrogation recoveries and free time for your sta to on more critical adjusting work.We oer aordable contingency & ﬂat fee options. Please contact us to discuss your subrogation needs. Suite 216 - 762 Upper James St., Hamilton, ON 905-389-4522 | christine@sageclaims.ca | sageclaims.ca

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10FARM MUTUAL RE Tara MacArthur rejoined the Loss Control Department in the role of Risk Assessor in June. She joins us again after working at The Commonwell Mutual Insurance Company for the past year and a half where she held a leadership role and supervised their inspection team. Previously, Tara worked for Farm Mutual Re from 2008 – 2018 in the role of Risk Assessor. One of her major accomplishments while working with The Commonwell was leading the Property Loss Control program and implementing new processes to enhance and streamline the program. Tara has earned her CIP and CRM designations, and has her Level I Thermography certicate.FARM MUTUAL RE Bill Caley joined the Loss Control Department in the role of Risk Assessor in May. In his new role, Bill will be completing loss control risk assessments for large and complex policyholder properties. Bill comes to Farm Mutual Re from Vari-Form Inc. where he worked for 17 years as their Maintenance Leader and Technician. Bill’s main responsibilities were to complete repairs and large installations in manufacturing facilities. Bill brings years of experience mentoring and training electricians, millwrights and apprentices and is always seeking new opportunities to implement continuous improvement initiatives. Bill is a certied Electrician and Millwright.FARM MUTUAL RE Josh Van Rootselaar joined the Loss Control Department in the role of Risk Assessor in June. In his new role, Josh will be completing loss control risk assessments for large and complex policyholder properties. Josh comes to Farm Mutual Re from New Electric where he worked for seven years, installing and maintaining electrical equipment in industrial establishments. Josh is passionate about electrical safety and is looking forward to applying his knowledge and skills to our Loss Control team. Josh is a certied Electrician and also holds his Bachelor of Arts Degree in Sociology and Philosophy.FARM MUTUAL RE Ryan Jones joined the Loss Control Services Department as AVP, Loss Control Services in June. Ryan will have overall responsibility for leading the Loss Control team and managing the risk assessment aspect of the loss control function. This includes overseeing ongoing development and maintenance of the RCT program and providing risk assessment reports and support to the member companies, focused mostly on high total insured value and facultative risks. Ryan comes with nearly 15 years of diverse industry experience in Canada and the United States. Ryan has held positions of increasing responsibilities at Zurich North America, Zurich Canada and most recently Royal and Sun Alliance Insurance Company of Canada (RSA). Ryan earned a Technologist Diploma in Fire Protection Engineering at Seneca College and has continued on to the University of Cincinnati for a Bachelor of Science in Fire and Safety Engineering Technology. Ryan holds his Applied Science Technologist and Canadian Risk Management designations. He is a Commissioned Boiler and Pressure Vessel Inspector through the National Board of Boiler and Pressure Vessel Inspectors with a Certicate of Competency in Ontario.Currently, Ryan serves on the Technical Standards and Safety Authority Advisory Council, the Canadian Standards Association B51 and B52 committees as well as the Engineering Insurance Sub-Committee.NEW TEAM MEMBERS

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August 201911FARM MUTUAL RE Emily Neeb joined the Communications Team in June as a Communications Coordinator. In her role, Emily will provide communications expertise and tactical support to all departments ensuring messages are on point and deliver value to our stakeholders.Emily comes to us from FBC, an accounting company, where she was a Marketing Specialist and previously a Social Media Specialist. She earned her Bachelor of Arts in Communication Studies from Wilfrid Laurier University, graduating with distinction.FARM MUTUAL RE Miranda Doan joined the Loss Control Department in the role of Risk Assessor in May. In her new role, Miranda will be completing loss control risk assessments for large and complex policyholder properties. Previously, Miranda worked for Trillium Mutual Insurance Company in the role of Thermal Imaging Technician and comes to Farm Mutual Re with 12 years of experience performing the risk assessor function. One of her major accomplishments while working with Trillium was her work in implementing their Thermal Imaging Program and successfully mentoring her peers in their roles as Thermographers. Miranda has earned her ACIP and CRM designations, and also has her Level III Thermography certicate.CAYUGA MUTUAL Paul Tiller started his insurance career working for a national independent adjusting rm. He has handled all lines, but began to focus on commercial liability and property claims. He has handled many large complex claims to structures as well as liability claims involving amusement rides. He remained as an independent adjuster for 31 years and held positions including General Adjuster, Manager, VP of Operations for Ontario and National Technical Director. He holds his FCIP with a Claims Management major, is a Fellow Chartered Loss Adjuster and a Fellow of the International Federation of Adjusters Associations. Paul has also worked for the Insurance Institute of Canada as a night school instructor for the past seven years and was recognized as the top instructor at the Hamilton Chapter in 2017. He is also a contributor to two revised CIP textbooks, C110 – Essentials of Loss Adjustment and C112 – Advanced Claims. As the new Claims Manager at Cayuga Mutual he is looking forward to helping policyholders when a claim occurs. Welcome to the team Paul!HTM INSURANCE We are pleased to announce the appointment of Warren Ting as HTM’s new Vice-President of Underwriting. Warren has been hired to ll the role of Joanne Winter, who will be retiring at the end of next year. Warren has extensive experience in the insurance industry in both underwriting, at the insurer level, and in the operation of a brokerage at a management level. His experience with a major stock insurance company will add to our organization’s strong mutual experience. His role in the brokerage world will provide us with an even better understanding of our current broker partners and the challenges they face while operating their businesses. Warren has a degree from the University of Western Ontario in London, the Certied Risk Management (CRM) designation, and the coveted Fellow Chartered Insurance Professional (FCIP) designation. Warren has a passion for education, not only for himself but also in helping others obtain their insurance designation by teaching at Seneca College. “I am excited and delighted to join such a forward-thinking and customer-centric company” says Warren. “HTM puts our fellow team members, our families and most importantly, our customers rst!” We look forward to Warren’s contribution to our organization. NEW TEAM MEMBERS

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12OMIA welcomed Camryn Ferguson as a Marketing and Communications Assistant for the summer. Camryn is working towards an Honours Bachelor of Arts in Sociology while also completing certicates in both Leadership and Business at the University of Guelph. During the academic year, Camryn works as a Media Studio Consultant at the University of Guelph’s Media Studio in addition to being involved with DECA where she represents the University of Guelph in business case competitions.Kevin Hu joined the Reinsurance Department in May in the role of Reinsurance Assistant Intern for a 3-month term. Kevin just completed his rst year at Concordia University in Montreal, where he is pursuing his Bachelor of Commerce, Finance. He previously completed an internship with IDC Worldsource in Vancouver where he performed the role of Administrative Assistant. Jackson Smith returned to the Claims Department in May in the role of Claims Intern for a 4-month term. Jackson has been pursuing his degree in Kinesiology from Wilfrid Laurier University. Laura Boost joined Farm Mutual Re in the role of Communications & Governance Intern for a 4-month term. She has completed her second year at the University of Guelph, where she is pursuing a Political Science degree. Laura is assisting both Communications and Governance departments with administrative duties. Shirley Zhou joined the Analytic Services Department in the role of Actuarial Analyst Intern in May for an eight-month term. She mainly focuses on empowering our members through the property rate review program. Shirley just nished completing a Bachelor of Science, with a Major in Actuarial Science and Statistics, at the University of Toronto. Previously, she completed an internship with HuaXia Insurance in China, working as an Investment Advisor Assistant with GF Securities in Toronto. She has completed three SOA exams to date and is sitting for her fourth. Thien (Tim) Le Quang joined the Analytic Services Department in May in the role of Actuarial Analyst Co-op for an eight-month term. He primarily focuses on assisting in delivering sophisticated automobile rating strategies to our members. Tim joined us through the University of Waterloo Co-op program, where he is pursuing a Bachelor of Mathematics in the Actuarial Science and Finance Option. Previously, Tim completed work terms as a Math Coordinator at George Brown College in Toronto, Finance Assistance with McCarthy Tetrault LLP in Toronto, and most recently as an Actuarial Intern at Crum & Forster in New Jersey. Tim has completed four SOA exams to date. Cole Ennett will be assisting in the Underwriting Department. Cole is currently in the Computer Systems Technology program at Fanshawe College.Victoria Taylor will be assisting in the Underwriting Department. Victoria will be taking Ofce Administration at St. Clair College.ENCOURAGING TOMORROW’S YOUNG LEADERSOntario Mutuals Co-op StudentsNORTH KENT MUTUALFARM MUTUAL REOMIANEW TEAM MEMBERS

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14L&A MUTUAL L&A Mutual has struck a deal to purchase over 30,000 bricks from the Gibbard Furniture demolition project in Napanee. L&A Mutual President, Mike Salmon conrms that approximately 30% of the proceeds from the sale of the bricks will go to the L&A County Hospital Foundation. L&A Mutual has bought the co-op building on East Street in Napanee and the Gibbard bricks will be used in the building’s restoration and renovations. Pictured above (centre), Mike poses atop the bricks at the Gibbard site alongside Doornekamp Construction’s Nate Doornekamp and former Gibbard owner, Bruce McPherson Junior. Individual bricks are still being sold for a minimum donation of $10 dollars at the Gibbard District sales centre. 100% of the proceeds will go to the L&A County General Hospital Foundation to purchase IV pumps. Photo and article courtesy of 88.7 myFM, May 17thNORTH KENT MUTUAL We were pleased to support a lawn bowling event, Lawn Summer Nights for Cystic Fibrosis Canada on July 26th. Pictured above are Brock McGregor, Event Organizer (left) and North Kent Mutual Sales and Marketing Manager, Dean Muharrem.For more information about these ongoing events, visit www.lawnsummernights.comTRILLIUM MUTUAL The ROOTS Community Fund is pleased to support the Listowel Kin Station in the amount of $5,000. The project is well on its way and will improve the infrastructure while also maintaining the historical signicance of this heritage building. Renovations include a new deck and upgrades that will meet accessibility compliance, creating a community friendly space for users. This will also increase the overall functionality of the building and enhance outdoor community events as well as private events.WESTMINSTER/NOVA MUTUAL Julie Farquhar & Kelly Jackson from Westminster Mutual, and Chris Hibbs from Nova Mutual participated in Hamilton Ward & Cathers Insurance Broker’s Big Bike Ride in St. Thomas, Ontario. Their bike raised $1,785 for Heart & Stroke Research.GIVING BACK

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August 201915Visit www.umbrellaproject.co/omia to sponsor a school in your community!The Umbrella Project is a teacher-led curriculum and school based program created to help teachers, students and parents reframe their perception of challenges and strengthen the skills of well-being to positively cope with the everyday stresses of life.Ontario Mutuals has proudly sponsored ve schools to receive this excellent program. Four out of ve schools have already implemented the program with the remaining school will start the program in the fall.Member companies have also taken initiative to sponsor schools in their local communities, ensuring that students have the building blocks required to become resilient to the challenges that life can bring.HINES INVESTMENTS844 887-4995Email: hinesinvestments@cibc.cawww.hinesinvestments.caCIBC Private Wealth Management consists of services provided by CIBC and certain of its subsidiaries, including CIBC Wood Gundy, a division of CIBC World Markets Inc. “CIBC Private Wealth Management” is a registered trademark of CIBC, used under license. “Wood Gundy” is a registered trademark of CIBC World Markets Inc. If you are currently a CIBC Wood Gundy client, please contact your Investment Advisor.Hines Investments Ranked Top 10% in PerformanceAchieved top 10% in Performance for the 1, 3 and 5 year returns based on independent Morningstar Fund rankingsDisciplined, Conservative, Blue Chip InvestingHines Investments Composite Annualized Performance Returns (as at December 31, 2018)Mandate1 YR 3 YR 5 YR 10 YRReturn Quartile Return Quartile Return Quartile Return QuartileHines Global Balanced 0.31% 1st 7.36% 1st 6.90% 1st 7.99% 2ndHines Global Dividend (0.76)% 1st 8.31% 1st 7.71% 1st 9.41% 2ndHines Global Growth 8.83% 1st9.87% 1st Sheldon Hines Investment AdvisorGerald Hines First Vice-President, Senior Portfolio Manager CIBC WOOD GUNDY

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16GIVING BACKBAY OF QUINTE MUTUAL We hosted our 26th annual charity golf tournament on June 19th at Timber Ridge Golf Course in Brighton. Bay of Quinte Mutual’s directors, staff, mutual friends, brokers and business partners participated in fundraising activities and generously donated to this year’s charity.Proceeds were donated to Almost Home in Kingston. Executive Director, Laurie Morgan was thrilled to accept a cheque in the amount of $13,100. Laurie thanked the group, noting that a cheque of this amount is “HUGE” to Almost Home, as it receives no government funding and relies completely on donations. Almost Home provides a comfortable place to stay for the parents and siblings of children receiving care in any of the three Kingston hospitals.BCM INSURANCE Congratulations to the BCM team who participated in the Muddy Grape Endurance Run where BCM Insurance was a sponsor supporting Special Olympics Ontario. Participants included: Rob & Sheri Dejon, Caleb Morneau, Sarah Moore, Kerry Morneau and Amy Beckett-Woodrow.LAMBTON MUTUAL Our Loss Prevention team, Dennis Kremer and Paul Van Lieshout teamed up with the Warwick Fire Chief, Brad Goodhill to spend the morning of April 4th sharing information with farmers on farm re loss prevention and safety. Farmers were able to learn about potential harmful gases in livestock barns and other re prevention best practices on a farm.Pictured: (L-R) Paul Van Lieshout, Brad Goodhill and Dennis Kremer.TRILLIUM MUTUAL The ROOTS Community Fund is pleased to support the Owen Sound Regional Hospital Foundation in the amount of $20,000. This funding will be put towards a replacement MRI system for Grey Bruce Health Services which will propel the hospital system into the future with leading-edge imaging technology. Fundraising continues for this capital project; see details via www.gbhsmri.ca. “We are thankful to the ROOTS Community Fund for their investment in the next generation of MRI technology for patients,” says Amy McKinnon, Executive Director, Owen Sound Regional Hospital Foundation. “The support of our community ensures quality care where we need it.”

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August 201917GIVING BACKBCM INSURANCE Pam Skidmore Hepburn, Laurie Doan and Ruth Stranges of BCM Insurance attended Sophie's Purse Fundraiser in support of Halwell Mutual’s Marg Torrance and her granddaughter, Sophie Grace. Another great example of how the insurance industry comes together to support each other! Thanks to Dawn Cant Elliott of the Hamilton-Niagara Insurance Institute for organizing the event along with the General Insurance Risky Ladies' Society (G.I.R.L.S.).HEARTLAND FARM MUTUAL ACT Now received a donation of $2,000 from our iHeart fund. This money will go towards helping those with Cancer who are not able to afford the cost of their medication required as a result of their treatment.NORTH KENT MUTUAL And the winner of our recent Facebook competition is… Michelle Seller Rumble of Chatham. Michelle is pictured above collecting four tickets to the Harlem Globetrotters, from North Kent Mutual Sales Manager, Dean Muharrem. Thanks to everyone who participated.TRILLIUM MUTUAL Along with co-sponsor, Waterloo Brewing, we held a very successful charity golf tournament in support of Crime Stoppers of Grey-Bruce. The playing eld enjoyed a spectacular day at Saugeen Golf Club in Saugeen Shores. As usual, there was no shortage of celebrity guests including two former Toronto Maple Leafs, Steve Thomas and Mike Krushelnyski. Between hole sponsors, rafe items, and silent and live auctions the event raised $25,000 for a very worthy cause. Thank you to all supporters of this great event.

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18GIVING BACKKENT & ESSEX MUTUAL The Kent & Essex Krusaders were the Corporate Challenge winners at the annual C-K Hike for Hospice event raising over $7,300. Way to go team!KENT & ESSEX MUTUAL We recently donated 20 re extinguishers to the Colchester Guardian Rescue which is a non-prot organization that provides marine rescue service dedicated to saving lives and safe boating.LAMBTON MUTUAL Our wonderful colleagues spent a rewarding evening in May, using their Annual Volunteer Day to make dinner for the families staying at the Ronald McDonald House in London. Pictured Above: (L–R): Paul Van Lieshout, Missy Bosch, Charlene De Mello, Barb McKellar, Rhonda Straatman, Natalie Knight, Leonie Finch and Nicole Hackney.TRILLIUM MUTUAL Trillium staff had an amazing night out at the Robert’s Farm Equipment Ladies Night. This incredible event celebrated the importance of women in agriculture with the proceeds going to support the Canadian Mental Health Association of Grey Bruce.HEARTLAND FARM MUTUAL The Optimist Club of Mitchell received $2,000 from our iHeart fund. This will help them make their playground accessible to all children, regardless of their physical abilities.

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August 201919GIVING BACKTHE COMMONWELL MUTUAL Our C.A.R.E. (Create A Ripple Effect) philanthropy program recently donated $50,000 to local healthcare organizations as part of our annual “We C.A.R.E.” donation, in which the team does a surprise donation without local charities needing to apply to the program. On May 23rd, The Commonwell donated the use of our board room in Perth, and some of our team, to help with a local rst ever Radiothon through local radio station, Lake 88, for seven different charities. The team helped with technology assistance, guiding people, doing in-person donations, and even hosted a community BBQ.Towards the end of the day, with the donations from the community nearing $50,000, Tim Shauf, President and CEO of The Commonwell Mutual, made an exciting announcement live on-the-air that The Commonwell would make a surprise offering to match up to $30,000 in donations, to be split between the hospitals and CHCs. With that incentive, the phones lit up with personal donations ranging from $10 to hundreds of dollars. One Carleton Place caller donated $9,000 in honour of his 90th birthday! As this was such a great initiative and all of our ofces were engaged in the event, we decided to add another $20,000 to the total and donate to an additional four health care organizations in the other regions outside of the radiothon.The following organizations received funds through this donation: • Almonte General Hospital/Fairview Manor Foundation• The Carleton Place and District Memorial Hospital Foundation• The Great War Memorial Hospital Foundation• Smiths Falls Community Hospital Foundation • Country Roads Community Health Centre• North Lanark Community Health Centre • Rideau Community Health Services• Peterborough Regional Health Centre• Ross Memorial Hospital Foundation• Hawkesbury and District General Hospital Foundation• Alexandria Hospital FoundationJessy Hawley CPA, CGA, CFF, CIP Gary Phelps CPA, CMA, CFF, CFEadvisoryservices@davismar�ndale.com1.800.668.2167SABS Claims Commercial ClaimsLi�ga�on Economic Loss ClaimsINDEPENDENT MEMBER FIRM

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20GIVING BACKNORTH KENT MUTUAL We happily participated in Tampon Tuesday, a new program launched by United Way of Chatham-Kent and Women’s Leadership Council.Tampon Tuesday was created because menstrual hygiene products are one of the most requested, yet least donated, items at food banks. Women living in poverty face the added challenge of acquiring monthly menstrual hygiene products and it’s an even bigger challenge for women experiencing homelessness. Donations of hygiene products were dropped in the Pink Box at the lobby of our main ofce in Dresden. Donations were also accepted at our Chatham, Tilbury and Sarnia ofces. All products were delivered June 18th and the total amount raised was $30,000 in value.TRADITION MUTUAL In addition to sponsoring the 5th Annual Hike for Hospice in Stratford on June 5th, Tradition Mutual also put in a team of hikers for the event. We’ve been supporting the hospice through actions like this, and in 2018 we made a signicant donation to the hospice to help in the completion of their construction. Paul Burns, President and CEO, recently attended their Grand Opening Ceremony.We’re so proud to be able to support community driven initiatives that impact the lives of those who live here. TRILLIUM MUTUAL Staff volunteered and participated at the Community of Character Run in Listowel. The run aims to promote health and tness within the community.FARM MUTUAL RE / OMIA Another successful Adopt-A-Road event was held on May 24th. Farm Mutual Re and OMIA members of the Green Team collected about twelve bags of garbage on the stretch of Pinebush between the Franklin roundabout and Townline roundabout. The Green Team would like to thank all employees who came out to participate. OMIA and Farm Mutual Re will participate in the program again in the Fall.

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August 201921GIVING BACKAYR FARMERS MUTUAL On May 2nd, Ayr Farmers Mutual held our annual Wine & Cheese Volunteer Appreciation Night. For the past several years, we’ve held two separate events, one in the spring which honours volunteers of local fairs, festivals and youth focused organizations and one in the fall which celebrates volunteers of youth and sport-based organizations. This year’s event saw the amalgamation of both and the result was a fun-lled evening of celebration, fellowship and donations. Volunteer representatives from over 30 organizations were in attendance to share stories from their experiences and collectively receive close to $25,000 in donations. We’re pleased to nancially support community organizations whose focus is on youth, agricultural and sport initiatives.NOVA MUTUAL We’re proud to be a long-standing supporter of Crime Stoppers of Haldimand & Norfolk. We believe in taking care of people and creating safe communities. By supporting Crime Stoppers, we can help ensure that community members are empowered to help take care of one another through the anonymous reporting system. Members of staff and our Board of Directors had a blast attending Crime Stopper’s Annual Murder Mystery Dinner Fundraiser in May. Here we are (above) with Crime Stoppers of Haldimand & Norfolk Chair, Neil Unwin (3rd from right).BCM MUTUAL Row, Row, Row. BCM Insurance took part in the Welland Dragon Boat Festival raising funds for the Welland Heritage Council and Multicultural Centre. Lots of fun was had by all, despite a few sore muscles the next day. Way to go team BCM!

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22Learn more about FFCO at www.farmfoodcareon.orgOne year ago, OMIA pledged support to Farm & Food Care Ontario (FFCO) in their application for CAP funding through the Agricultural Adaptation Council (AAC) for the project: Livestock Emergency Preparedness - Farm Fire Prevention and Livestock Emergency Training. We’re pleased to report that the application was approved by the AAC review panel.Two other projects related to livestock emergency training or preparation championed by Equine Guelph and Beef Farmers of Ontario were also successful in receiving funding and FFCO will be working with these two groups to avoid duplication and build a cohesive response to livestock emergency preparation across all organizations. The project will have two main components:Training for First Responders and Livestock Truckers This project will offer one day training workshops for Emergency First Responders. Participants will better understand the unique situational needs of livestock truck rollover accidents and farm re incidents. A separate workshop for Ontario Livestock Trucking Association members will address responding to media, dealing with bystanders and other topics in a specialized session. Barn Fire Education and Prevention Information Barn res are devastating for Ontario’s farming families and represent a signicant animal welfare concern. Barn re prevention requires not only a practical understanding of barns and res, but also a sociological understanding of farmers’ attitudes and behaviors, along with an awareness of how the risks of farm res are perceived by farmers. This funding will be used to launch a multi-pronged information campaign that brings new and existing resources to life, using social media, print advertising and video testimonials. The goal is to move farmers from awareness of the issue to a desire to take preventative actions on their own farms. The time-frame will allow a presence at several farm trade shows as well.From FFCO: We look forward to working with Ontario Mutuals and plan to form a steering committee that can guide our resource development and act as subject matter experts in specic areas.GIVING BACK

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August 201923WEST ELGIN MUTUAL What a great day! After all the rain during the previous week, the day turned out warm and sunny for our annual Longest Day of Golf. Our “marathoners” (Kelli-An DeCook, Matt Ross, Andrew Pearson, John McWilliam and Andy McTaggart) teed off at 6:30am and played golf for 12 hours (in the case of Kelli-An and Matt: 13 ½ hours). They were encouraged throughout the day by West Elgin Mutual staff, a team of eager golfers from Howard Mutual, local community members and some of our business partners who came out to play a round or two of golf in support of our cause. The day was a great success with the total raised “Fore the Kids” in excess of $10,000.Thank you to our fellow mutuals for helping us to help the kids!FARM MUTUAL RE / OMIA The Farm Mutual Re and OMIA 2019 Relay for Life Team proudly raised $4,135 in support of the Canadian Cancer Society. Thanks to all who supported the team’s fundraising efforts. Under clear skies, surrounded by music of performing artists, participants walked throughout the evening of June 7th at the beautiful Shade’s Mills Conservation Area. During a moving ceremony at sunset, each luminary lining the path was lit in memory or in honour of a person impacted by cancer. Pictured: (L–R): Mark Carew (Rachel’s father, a survivor), Lindsay Johnson, Chris Serran, Cynthia White (Event Volunteer), Rob Scott, Toby Little, Christine Senior, Tavia Tobey, Paula Georgei, and Rachel CarewTRILLIUM MUTUAL Several Trillium Mutual employees spent their recent volunteer day at the following events: Fireghters Without Borders, Perth & Bruce County Adopt a Highway and the Juvenile Diabetes Walk.GIVING BACK

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24DUMFRIES MUTUAL We held our seventh annual charity golf tournament on June 20th at Savannah Golf Links. It was a great opportunity to thank our brokers and business partners while “golng against local hunger.” The weather held up for our 136 golfers most of the day and spirits weren’t dampened when it started raining! The day included a BBQ lunch, live and silent auctions and a steak dinner. We were thrilled to raise over $20,000 for this year’s charity, Flamborough Food Bank. This not-for-prot organization supplements food and personal care items for those in need. As we’re now based in Flamborough, we’re pleased to extend support to our local community.HOWARD MUTUAL We were the proud Corporate Sponsor of Pet and Wildlife Rescue (PAWR) - Chatham. In May, Howard Mutual helped PAWR change locations, a mere 100 steps away but still a massive undertaking for the organization. Howard staff carried boxes, cages and totes, dismantlement cages and doors, and cleaned up the old building over the course of two days. With Howard’s help PAWR was able to greatly reduce the downtime of their facility. PAWR thanked Howard on their website saying:“All good relationships start somewhere. Being a part of a great community helps, but what makes communities great are the people in it. The staff at Howard Mutual Insurance denitely make our community a better place to live.” To read the full article visit: pawr.org/howard-insurance-to-the-rescueGIVING BACK

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26Drop It And Drive® (DIAD) is a Trafc Injury Research Foundation education program focused on preventing distraction-related road user fatalities and injuries. DIAD delivers both corporate and public school seminars. Each program is customized to the environment, features and context of the organization. Seminars are structured to be thought-provoking and interactive to maximize learning. Science and real-life stories are shared to motivate safer behaviours by providing participants with practical strategies and tools to minimize distractions behind the wheel.Since 2010, DIAD has delivered seminars to more than 60,000 workers and youth across North America. One such presentation was at the 2018 CAMIC Convention in Victoria BC. Inspired by the powerful and helpful messaging from DIAD, a group of eight mutuals decided to sponsor the program so that sessions could be held in their local communities. Through the support of the Mutuals the program was held in seven secondary schools reaching over 2,000 students!

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August 201927SE MUTUAL June was a busy month for the team at SE Mutual! We volunteered alongside many local businesses and community members to help build the Rebecca Schoeld All World Super Play Park in Riverview, NB. We also sponsored and participated in the Ronald McDonald House PJ Walk in Moncton; and the Downtown Wishmaker Mini Putt, in support of the Children’s Wish Foundation. TRADITION MUTUAL The St. Marys Healthcare Foundation and the Huron Perth Healthcare Alliance had their Grand Opening of the Tradition Mutual Centre for Wellness on June 21st.The expansion, which Tradition Mutual generously supported, was also supported by their Someone I Know capital campaign, and will provide space for more examination rooms, medical learners from UWO and more family doctors. There will also be room for Allied Health Services on the second oor of the expansion. COGNITION+ For the third year in a row, Cognition+ has participated in the Heart & Stroke Foundation’s Big Bike Ride Fundraising Campaign. On June 10th, 25 staff and family members of Cognition+ rode around downtown London despite the rain! What fun!As a result of our fundraising efforts, we raised $6,125.25 for the Heart & Stroke Foundation. What a success! Thanks to all of you who contributed to our team efforts. Your generosity is greatly appreciated.GIVING BACK

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28TRADITION MUTUAL Tradition Staff along with Fire Prevention Ofcer, Tanya Bettridge were in attendance of the 2019 Ontario Pork Congress in Stratford this year. The show seemed a little slow this year, given that the weather was so great and lots of farmers were on the elds. The weather was important however, as it made an impact on the Tradition Team, who also participated in the Annual “Hog Jog” which is held during the Pork Congress each year. The Hog Jog is a 3.5km or 10km Run (walk, stroll or jog too if you like) which contributes its net receipts each year to a charity in the area. This year, the charity was L’Arche, which is a facility that supports independent living for people with disabilities in Stratford. They have recently purchased an additional building that they hope to use for day programs and activity space. TOWN & COUNTRY MUTUAL We’re a proud sponsor of the Strathroy-Caradoc Cancer Golf Tournament (SCCGT). Our volunteers and participants included Jennifer Timmermans, Tina McKeen, Eric Gagne, Chris Hodgins, Lee Jensen, Dennis Sinclair and Jeff Williams, as well as Pat Greenway and Curtis Goodhand from Goodhand Insurance. This year’s tournament was the most successfull one to date, raising over $85,000. The funds raised from the tournament have allowed SCCGT to purchase mammogram, ultrasound and biopsy equipment used for the detection of breast cancer at its earliest stage resulting in shorter wait times, better treatment options and improved outcomes.GIVING BACKStrathroy-Caradoc Cancer Golf Tournament Volunteers

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August 201929OMIA GOLF TOURNAMENT Member companies and mutual supporters enjoyed a sunny day of golf at Dalewood Golf Club in Cobourg on June 12th. Hosted by OMIA and Chair, Bob Burley’s home company, HTM Insurance, the event raised funds for the Farm Mutual Foundation and Hospice Cobourg.The Farm Mutual Foundation provides educational assistance to sons and daughters of staff, directors and agents in the Mutual family. Hospice Cobourg works collaboratively to provide clinical and nonclinical care in the community to patients with a life limiting illness and to their caregivers.Thank you to everyone who came out for a great day of mutual fellowship! Thanks to your support, we were able to raise over $10,000.THE EVENT WINNERS:Putting Contest Errol Butler, Town & Country MutualLadies Closest to the Pin Patty Hodges, West Wawanosh MutualLadies Closest to the Line Terrye Calnan, HTMMens Closest to the Pin Brian Leach, The CommonwellMens Closest to the Line Bill Embree, HTMWinning Foursome! North Kent Mutual: John Podolinsky, Brian Ennett, Matthew Armstrong and Gregg TuckwellGIVING BACKMost Honest Foursome Robert Yorke (SEH), Curtis Goodhand (Town & Country) and Paul Henderson (Grenville) not pictured

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304H GOLF The Ontario 4-H Foundation Golf-West and Golf-East Tournaments are the major fundraisers for the 4-H Foundation each year. 4-H Ontario extends its thanks to Ontario Mutuals for their Signature Sponsorship of both tournaments for the 4th consecutive year. The tournaments are fun days of fellowship and golf. Golfers enjoy lunch, 18 holes of golf peppered with fun contests such as Beat the Pro, Hole in One, Closest to the Pin and a Putting Contest too. This great day of golf is followed by a delicious banquet as well as live and silent auctions.Auctions are always a highlight of 4-H Ontario events, and the Golf-East and Golf-West Tournaments are no exception. Raising in excess of $15,000, bidders found items as varied as Senators Hockey tickets, a hand-made toy chest and a delicious homemade pie.4-H Youth are an important part of every tournament. They participate as 4-H Ambassadors on-site and bake cookies to share with every golfer as part of their goody bag. They are so happy to contribute!4-H Ontario and our youth are so grateful to Ontario Mutuals for their continued support. Thank you!CONFIRMED 2020 TOURNAMENT DATES:West (20th Anniversary): Thursday, May 28, 2020 Victoria Park East Golf Club, GuelphEast:Thursday, June 11, 2020 Anderson Links Golf Club, OttawaOntario Mutuals Foursome at 4-H Golf West Rob Pearson (Town & Country), Christine Van Daele (Westminster), Terry Knight (North Blenheim) and John Taylor (OMIA)Ontario Mutuals Representatives at 4-H East Greg Beach and Hubert Ferguson from Grenville Mutual attended and brought greetings on behalf of Ontario Mutuals.

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August 201931RETIREMENTSHow does your department help Ontario Mutuals succeed? SZ: The stats department ensures superior data quality for our member companies in order to create analytics.CS: We listen to questions and concerns and assist in nding the best solutions to implement. We’re also able to run analysis on data, often by request, and provide helpful results.What is your favourite part about your job? SZ: Working with numbers and making sense of them.CS: Analyzing, troubleshooting and nding solutions within our edits and data, but also addressing any concerns from IBC or CGI. Also mentoring new staff, both in-house and at Member Companies.What is one thing you wished member companies knew about your department? SZ: Often we hear, “Stats is a pain!” Members forget that stats submissions consist of two parts: the actual data submission, and the data quality check. The pain comes from the cycles and cycles of edit-check. If data quality is kept clean at the entry level, stats submissions take no more than 3 minutes a day!CS: The data requested to be reported is necessary. We begin with the outcome that analysts need and lter down to nd the best/easiest way for Mutual’s to report. Also, many members will say, “I have a silly question.” But, to me, no question is silly!What has surprised you most about working at OMIA? SZ: The people are friendly and kind.CS: The excellent working relationship established with Users and Vendors within the Member Companies.What is one interesting fact about you that you would like to share? SZ: I have traveled a lot within Canada. (Editor’s note: Shawn has even been up north to see the polar bears.)CS: I retain a lot of information and data facts within my historical brain! Is there anything else you would like Mutual companies to know? CS: I love my Mutual Family. It’s a home away from home.Statistics DepartmentShawn Zhang Statistics SupervisorChris Smith Statistics CoordinatorHow long have you worked at OMIA?SZ: 4 yearsCS: 39.5 years (Editor’s note: Chris is our longest-standing employee!) MEET SOME OF YOUR OMIA

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32LAMBTON MUTUAL Recently, we took the opportunity to honour, Jim DeJeu, for 25 years of service with the company! Jim is the Chief Financial Ofcer and he has been at Lambton Mutual since December 1993. To thank him for his hard work and dedication, Jim was presented with a watch by Board Chair, Scott Elliott.Pictured: (L-R) Board Chair, Scott Elliott and Jim DeJeu, CFOPEI MUTUAL Vicky Waite reached her 40th year with PEI Mutual On February 12th! Ms. Waite has made PEI Mutual history as the rst person in the 134 year old company to achieve this unbelievable milestone. Vicky began her mutual career on February 12th 1979 and has seen many changes over the past 40 years. She has worked in many departments within the company, currently holding an Underwriting/Accounting Technician position. Congratulations, Vicky, on 40 Years!ONTARIO MUTUALSMILESTONESCelebrating Achievements in the Mutual System

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August 201933MILESTONESMILESTONESLAMBTON MUTUAL In May we recognised and acknowledged another one of our hardworking and loyal Lambton Mutual underwriters, Bridget Hart, who is celebrating her 25th Anniversary at Lambton Mutual Insurance Company! Bridget has been at Lambton Mutual since May 1994. To thank her for her hard work and dedication, Bridget was presented with a watch by Board Chair, Ross Smith and owers by CEO, Debbie Van Eyk. Congratulations Bridget!Pictured: (L-R) Underwriter, Bridget Hart and CEO, Debbie Van Eyk.SE MUTUAL South Eastern Mutual unveiled a new look on April 29th!The company adopted a bright, multi-coloured circular logo with an icon of a house in the middle.“The new logo symbolizes our company vision and core values. Each colour has its own meaning and the house represents our commitment to helping clients put their lives back together when they need us the most.” - Shaun MacPhee, CEO.

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34WEST ELGIN MUTUAL We have three team members and a director celebrating milestones this year.Laurie Sura (our Admin Assistant in Rodney) celebrated 25 years with the company on July 1st.Ken McCallum. has served as Director (three terms as Chair) for 25 years.Two of our agents also recently reached milestones. John McWilliam celebrated 10 years with us on June 1st and Matt Ross celebrated 5 years with us on August 11th. Laurie Sura Ken McCallumJohn McWilliam Matt RossMIDDLESEX MUTUAL We celebrated the rst anniversary in our beautiful new ofce building on April 9th. Staff and agents have fully settled into the new workspace. In celebration, the staff were asked to write down what they absolutely love about our new ofce building. The key features highlighted are the open concept, abundant natural light, large workstations and modern design. Pictured: Brett, Rob, Bronwen, Melisa, Penny, Nancy, Tara, and EmillyHEARTLAND FARM MUTUAL We happily celebrated the grand opening of our Advisory Center in Thamesford, Ontario. This was formally the Oxford Mutual ofce.Pictured: Agents: Carly Collins, Derek Stead, Mary Ellen Garner, Matt Garner, Mike Ridell, Tim Howard, Tom Garner, along with CEO Louis Durocher, Mayor, Twp of Zorra Marcus Ryan, Thamesford Ward Councillor Katie Davies. MILESTONES

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August 201935GRENVILLE MUTUAL We are very pleased to announce that Gordon Smith, past OMIA Board Member and retired Grenville Mutual Director, has recently been inducted into the Dundas Agricultural Hall of Fame.This year’s inductees were announced at the Dundas Farmer’s Charity Gala on April 6th.Gordon has been involved in agriculture for more than 35 years. He and his wife Margaret moved to their farm in Chesterville in 1974. Operating their dairy farm until 2001, they then transitioned to cash crop while expanding their land base. Gordon’s contribution to the agricultural community within his various roles on committees is exemplary. He’s passionate about safety around the farm or any workplace and readily educates on the fact, “Awareness is Safety.” His volunteer work has contributed to the overall betterment of the agricultural community in Dundas.Congratulations Gordon for all your achievements over the years. You are outstandingly deserving of this honour.MCKILLOP MUTUAL We’re proud to recognize Keirstin Ulch for receiving her Advanced Chartered Insurance Professional designation. Great job, Keirstin!TRILLIUM MUTUAL We are proud to announce that we are the recipient of the Culture of Excellence Award! Awarded through Human Synergistics Canada, a company specializing in the measurement of individual and organizational effectiveness, this award is presented to a company with a strong constructive culture that places a great emphasis on the development of their people. Congratulations to all of our staff who have worked hard to help achieve this notable accomplishment.HTM INSURANCE Matthew Flagler completed his CIP courses in December of 2017 and received his certicate in the February 2019 convocation. Congratulations, Matthew!Congratulating Mutual Members on Their Professional DevelopmentsACCOMPLISHMENTS

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August 201937HOWICK MUTUAL We were happy to host a public open house to showcase our new ofce building on May 31st.DOMM Construction of Ayton, along with many local tradesmen and companies are responsible for the success and outstanding quality of the project.We are incredibly fortunate to be surrounded by such a supportive network of brokers, policyholders, industry partners and municipal ofcials. An estimated 350-400 people came through our doors.Thank you to everyone for making our open house an overwhelming success!NORTH KENT MUTUAL We recently held an open house for our new location in Chatham. Seen here are North Kent Mutual staff with the Chatham Kent Mayor, Chatham Councilor, Economic Development staff and guests. The event was well attended and a good time was had by all.OTHER NEWSOTHER NEWSOTHER NEWS AND EVENTS

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38GERMANIA MUTUAL Construction work has started on the expansion of our ofce in Ayton. In 2007, Germania Mutual had 12 employees, and at that time an ofce building was constructed in Ayton Ontario, designed and built to house 25 staff members. Fast-forward 12 years, and Germania has grown to a staff complement of 28. We are now in a position that requires us to expand our building to accommodate everyone comfortably. It’s going to get noisy but we’re excited!DUMFRIES MUTUAL We were thrilled to host nearly 300 people at our open house on May 21st. This grand opening comes 36 years after our last one in Cambridge in 1983. Our new ofce is highly visible from Hwy 8 (enter off Old Hwy 8) and only ve minutes south of Cambridge. The team has been settled in our 10,000 square foot building since August of last year. The Board, staff and agents want to thank all who joined in the celebration of our new ofce building! We’re excited about the bright future ahead with their policyholders.Pictured L to R: Lloyd Ferguson, Councillor (Ward 12), Glen Nixon, Agent, Alf Geerlinks, Project Manager - Schiedel Construction, Scott Roung, Board Chair, Donna Skelly, MPP (Flambrough-Glanbrook), Robert Pasuta, former Councillor, and Douglas Patton, Board Vice-Chair.OTHER NEWS

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August 201939EDGE MUTUAL In May, Edge Mutual observed Mental Health Awareness Week (May 6-10). The Edge Staff Association facilitated mental health activities around the ofce for all staff to participate in, learn from and enjoy. Each day of the week was assigned a mental health theme: Stress Buster Day, Gratitude Day, Green Day (ofcial colour for mental health), Self-Care Day and Mindfulness Day. The message for the week was that everyone can feel well and have good mental health. The week-long event was a huge success and received positive reviews from staff.FARM MUTUAL RE / OMIA The Farm Mutual Re and OMIA Green Team inspired staff members to decrease their carbon footprints for Earth Week. The Team held an ofce wide challenge that encouraged staff to participate in eco-friendly activities including: bringing a litter free lunch, planting a tree, donating unwanted clothing, carpooling and more! Each activity earned staff members a certain number of points. Sahith Tummala earned the most points by the end of the week. Congratulations Sahith and thanks to everyone who participated!Pictured: (L to R) Green Team Rep, Boris Rajic and challenge winner, Sahith Tummala.MIDDLESEX MUTUAL Agent, Greg Schneider teamed up with West Elgin Mutual Agents at the London Farm Show. The largest indoor Farm Show in Eastern Canada was held at the Agriplex in London’s Western Fair District from March 6th to 8th. They had a great time connecting with the farming community!OTHER NEWS Your Outsourced Investment Governance Expert For investment related projects such as: • Governance documents – review/creation • Portfolio assessments – review/advise • Money Managers – review/compare/advise • Complete Quarterly Monitoring Services Contact Jeffrey Hand at 905-336-1879 or info@bonnycastle.ca

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40MIDDLESEX MUTUAL On June 6th, Middlesex Mutual hosted a session with representatives from Antigonish Farmers Mutual Insurance Company and Cognition+ (formerly MCCG) to review our insurance software processes and procedures. We were proud to put the spirit of the Ontario Mutuals motto, “We’re in this together,” into action by supporting our insurance software provider, Cognition+, as well as our mutual neighbours from Nova Scotia. Pictured: Lisa Boylan, Statistics & Systems Supervisor, Penny Melhado, Marketing & Product Manager, with Brian Morgan, General Manager & Corporate Secretary and his team of Antigonish Farmers Mutual representatives.LAMBTON MUTUAL Our Loss Prevention Team was at the annual Emergency Response Day on May 1st in Strathroy teaching students about preparedness and re safety using a laser-driven re extinguisher simulator! Pictured: (L to R) Paul Van Lieshout, Charlene De Mello and Dennis Kremer.BCM INSURANCE We enjoyed our annual employee BBQ in June, happily celebrating our work family and team!OTHER NEWS

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August 201941OMIA is pleased to announce a partnership with the Institute for Catastrophic Loss Reduction (ICLR). The ICLR has extended full membership to OMIA member companies through an umbrella arrangement with the Ontario Mutual Insurance Association. ICLR was established in Toronto in 1998 and is a unique Canadian world-class institution dedicated to proactively addressing the impact of climate change on Canadians and their property. Operating as an independent not-for-prot research institute, ICLR has formed an extensive network nationally and globally to provide industry leading insight into how to build catastrophe and weather resiliency. Many mutual staff members will have seen ICLR’s Paul Kovacs and Glenn McGillivray at various mutual events. They’ve presented educational sessions and participated in forums at group meetings, the P&M and at OMIA and CAMIC conventions. With membership in ICLR, member companies will be eligible to take part in their web conference sessions and access their reference material, much of which has an excellent consumer-focused perspective. You can search for valuable information, by hazard or by role, on ICLR’s comprehensive website: www.iclr.org. We also encourage you to connect with them on Twitter @ICLRCanada. OMIA welcomes the opportunity to align ourselves and work with this unique Canadian leader in climate research and loss prevention.NEW PARTNERSHIP!

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42NOVA MUTUAL For the 22nd year in a row, Nova Mutual hosted a Broker Appreciation Golf Day. The weather was perfect and everyone enjoyed spending the day at the beautiful Greens at Renton. In addition to a great excuse to hit the links, Nova Mutual’s Chief Marketing and Distribution Ofcer, Chris Hibbs said, “This annual event is one of our favourite ways to share a business update with Broker Partners and thank them for providing exceptional insurance experiences to Nova Mutual Members. It’s important that Brokers know we appreciate them.” Nova Mutual’s Chief Executive Ofcer, Gary Anderson says, “Nova Mutual is so very fortunate to partner with top quality brokers. It is our honour to continue our partnership to mutually serve our growing membership.”Unearth Expert InsightsWhether you’re handling a kitchen ﬁre, or a loss at a multimillion-dollar agricultural facility, you can rest assured that you have our skilled and experienced investigative team at your service. CEP Forensic’s team of engineers and investigators particularly prides itself on the cultivation of client relationships and unparalleled investigative expertise.cep-experts.caYOUR FORENSIC ENGINEERING ALLIESClear. Eective. Partners.OTHER NEWS

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August 201943As Canada’s ﬁfth-largest professional services ﬁrm, with dedicated ﬁnancial services professionals in both rural and urban communities across Ontario, MNP has you covered. We work and live where you do, know your members and what drives them – and help you support them with accounting and investigative expertise, plus strategies that get results.Contact Jas Chahal, CPA, CA, at 289.293.2371 or jas.chahal@mnp.caDifferent by DesignOTHER NEWSEXPERIENCEKNOWLEDGESTRENGTHWE’VE CHANGED!Our new name Cognition+ embodies who we are – experienced, knowledgeable, strong, intelligent, and insightful. With Cognition+, you still get 23+ years of mutual experience and knowledge, but our name now reflects who we are.We’re pleased to confirm that Kent & Essex Mutual and Lambton Mutual have gone live with our new product, Cognition+. We are excited to bring Cognition+ to the rest of the Mutual Community!

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August 201945BCM INSURANCE Congratulations to Bert Nieuwold on his retirement from BCM Insurance. Bert has been a part of the Loss Control Team since 2002. We wish Bert a very happy retirement full of fun and happiness! Aaron Reeves and Paul Bantten presented Bert with a gift from the BCM Family.FARM MUTUAL RE Jane Burnside ofcially retired from her position on the accounting team in April after seven years in her role. Jane began her career with Farm Mutual Re in 2012. Since 2016, Jane has worked on a part-time basis. She and her husband, Don intend to spend more time together and travel. Congratulations Jane, and on behalf of the board, our staff and the entire mutual family, we wish you health, happiness and joy.HOWICK MUTUAL After a very accomplished 46 year career in the insurance industry, Elaine Brown, Claims Manager, retired from Howick Mutual Insurance on July 9th. Elaine has been a valued member of the Howick Mutual Team for the past 30 years. Although Elaine will be missed, we are thrilled for her as she begins the next exciting chapter. We wish Elaine all the best in her much deserved retirement!HOWICK MUTUAL Dennis Knox, Marketing Manager, retired on July 1st. Dennis began his career at Howick in 2009 as the Marketing Manager and later gained responsibility for the Loss Prevention team. During his tenure, Dennis was instrumental in increasing the company prole in the community and was a very strong advocate with our distribution partners. We appreciate Dennis’ contributions to Howick over the past 10 years and wish him all the best in his retirement. RETIREMENTSCelebrating Those Who Have Helped Ontario Mutuals Thrive

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46HEARTLAND FARM MUTUAL Ron Hare was elected to the former North Waterloo Farmers Mutual board (now Heartland Farm Mutual) in 1999 following his retirement from a major Canadian nancial institution after 35 years of service. He served as Chair of the Heartland Farm Mutual board from 2003 to 2011. Ron was also a member and chaired committees such as the Corporate Governance Committee, Building Committee and the Conduct Review Committee. He is currently on the Finance & Audit Committee. Ron is President of the Georgian Bay Charolais Calf Association. Today he operates a cow/calf beef and cash crop farm operation in Grey County. Ron retired on May 2nd. We wish him well in his retirement!HEARTLAND FARM MUTUAL Joe Facey joined the Oxford Mutual (now Heartland Farm Mutual) board in 1990. Joe has participated in all of the committees that were part of the organization. Joe also served three terms and went through various Chair roles at Farm Mutual Re. Now retired from dairy farming, Joe and his wife Elizabeth grow crops on the family farm. Joe and Elizabeth are both active in their community and enjoy their grandchildren. Joe retired on May 2nd. We wish him well in his retirement!HTM INSURANCE Ron Pearson has retired after 30+ years of working at Pearson Insurance. He founded the company back in 1986. He started off as an agent for HTM Insurance, selling residential, automobile, commercial and farm insurance. The company grew and within a year welcomed Tim Pearson (Ron’s son), as an agent. We will miss working with Ron, but wish him all the best in his retirement.HEARTLAND FARM MUTUAL Bruce Pearson was elected to the North Waterloo Farmers Mutual (now Heartland Farm Mutual) board in 2010. He is a retired independent insurance broker and President, Co-Founder of Pearson Dunn Insurance Brokers. Bruce has been very active in the Property & Casualty Insurance industry holding positions such as the Chair of the Insurance Institute of Ontario, President, Registered Insurance Brokers of Ontario, and Director of Insurance Brokers Association of Ontario. In addition to his past service with many other community associations, Bruce is currently a member of the Canadian Limousin Association. He and his wife Laurie live in Ancaster with their two sons. Bruce retired on May 2nd. We wish him well in his retirement!RETIREMENTS

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August 201947ERIE MUTUAL is pleased to share fantastic news that Diane McCarten is our newest Account Executive on our sales team and will be responsible for the servicing and growth of her own portfolio of Erie Mutual members. Diane had originally joined our team in March, 2016 in the role of Account Representative to service our members, and subsequently in June, 2017 was the successful candidate to become our rst Customer Experience Coordinator and lead our service department in a supervisory role. We are condent that Diane will excel in this role given her experience in customer service and insurance knowledge. Congratulations, Diane! ERIE MUTUAL We are delighted to have welcomed Rebecca Flatt as a full-time member of Team Erie in May. Rebecca completed a twelve-month co-op term in our ofce last year through the Mohawk College Insurance Program. She worked full-time hours until December and successfully obtained her OTL last August. Rebecca accepted part-time hourly employment at Erie Mutual while she focused on her nal semester of studies and her CIP courses until April. In addition to completing her Insurance Diploma from the Mohawk College Insurance Program, Rebecca also graduated with a General Business Diploma from Niagara College in 2018. Rebecca’s new position in our Customer Experience Department is that of Account Representative where she will be an assist to our sales team as required and continue to provide Erie Mutual members with service of their existing policies and insurance needs. Rebecca is hard-working, enthusiastic and energetic, and we’re excited to have on our team!FARM MUTUAL RE In April 2019, Zili Lai transitioned into the role of Senior Business Data Analyst with Analytic Services. In 2015, after achieving his Master of Science degree in Food, Agricultural and Resource Economics from the University of Guelph, Zili started with Farm Mutual Re in the role of Business Quality Analyst in the Business Development Department. His rst key project was to introduce large scale reporting on data quality. In June of 2016, Zili transitioned into the role of Business Intelligence Analyst. Since that time, Zili has been a prime example of commitment and dedication to life-long learning. He has taken it upon himself to develop his technical skills through self-study and has shown himself to be an integral member of the Analytic Services team. His unique skills have shaped the design-thinking approach taken in building prototype solutions, before moving them into web services. As Senior Business Data Analyst, Zili will be a key contributor as we further develop analytical and digital solutions for our member companies. OTHER NEWSAPPOINTMENTS& POSITION CHANGESTransforming the Mutuals

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48FARM MUTUAL RE Sonny D’Agostino was promoted to Operations Risk Manager in April. In his new role, Sonny will be primarily responsible for designing, implementing and monitoring a risk management process for the Operations team. This promotion recognizes Sonny’s dedication to Farm Mutual Re and will allow him to further develop and implement his knowledge and skills in risk management. Sonny began with Farm Mutual Re in May of 2009 in the role of Senior Claims Examiner. In August 2010, Sonny was promoted to the role of Claims Supervisor. During his tenure in the Claims Department, Sonny was instrumental in the creation of our comprehensive accident benet and tort reserving forms, played a key role in updating the best practices Residential Fuel Spill document and served as a lead contributor in the development and delivery of several tactical objectives. His leadership during the AVP Claims transition period was a great asset in creating a smooth and seamless change amongst leaders and positioning the Claims Department for ongoing success.FARM MUTUAL RE Elaine Reaume was promoted to Communications Specialist in April. This promotion recognizes Elaine’s capabilities in strengthening the Farm Mutual Re brand and her commitment to delivering clear and consistent messages to internal and external audiences. Elaine joined the company in 2004 as an Administrative Assistant to Reinsurance and the Senior Vice President. In 2007, she moved into the role of Communications Liaison/Administrative Assistant. Three years later she transitioned into the Communications Coordinator role and has since taken on more senior communications responsibilities. She has continued to hone her skills by completing several writing and graphic design courses and recently joined the International Association of Business Communicators. In her new role she will play a signicant part in managing digital communications as well as continuing to uphold visual standards on all company messaging.FARM MUTUAL RE Christine Tan transitioned into the role of Senior Actuarial Analyst in the Actuarial Department in April. Christine started with Farm Mutual Re as an Actuarial Analyst in our Actuarial Department in 2016. Since that time, Christine has been a great asset to the team. She’s been leading the member company reinsurance pricing for three years where she made numerous improvements to increase the rate adequacy and process efciency. When she worked on the risk management, Christine independently developed the reserving risk model that has been used in the company ORSA report. Christine has been diligent in her pursuit of her actuarial designation and we are proud to announce that as of March 2019, Christine has achieved the designation of Associate, Casualty Actuarial Society (ACAS)! In her pursuit of the ACAS designation Christine has shown a commitment to life-long learning and will no doubt bring her new level of expertise to her new role. FARM MUTUAL RE Laura Ni transitioned into the role of Senior Actuarial Analyst in the Analytic Services Department in April. Laura started as an Actuarial Analyst working with OMIA in 2014. During that time, she worked closely with employees at Farm Mutual Re. In June of 2015, Laura transitioned into an Actuarial Analyst position with Farm Mutual Re in our Business Development Department. Laura has been integral to establishing the Analytic Services Department, working with stakeholders such as our member companies and vendors on a variety of projects to help introduce key analytic concepts into the mutual community. Laura has been instrumental in enhancing our automobile rating with the introduction of Generalized Linear Modelling. In June of 2018, Laura received her Associate, Casualty Actuarial Society (ACAS) designation, showing her commitment to life-long learning. APPOINTMENTS

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August 201949SEH COMPUTER SYSTEMS INC. The Board of Directors of SEH Computer Systems Inc. is elated to announce that Mark Ross will be joining the company effective July 17th 2019 as President and Chief Executive Ofcer. Mark is a graduate of Computer Engineering from the University of Waterloo and has an M.Ed from D’Youville College. He most recently spent seven years with Sun Life as Director of Business Process Automation where he built a team of over 35 people to deliver value to business partners by automating manual processes, using both traditional software tools as well as robotic desktop automation. Prior to that, he spent 19 years building custom software as an entrepreneur and partner at Competitive Edge Information Systems. He also teaches degree courses at Conestoga College and has volunteered as a reading coach for the Strong Start program.Mark is an agile advocate and is certied as both a Scrum Master and Product Owner. With clearly demonstrated strengths in transformation management, performance development, and delivering results, we believe the addition of Mark Ross to the SEH team invites a new era of exciting new product features, under the direction of a skilled leader that thrives in a change environment. Please join us in welcoming Mark Ross to the mutual community.SE MUTUAL We welcomed Justin Harris to our team in January, as the company’s rst Chief Financial Ofcer.HTM INSURANCE Rose Clarke will be moving into a new position at HTM insurance, as Farm Underwriter. She has spent the last 29 years at HTM, with 10 years as the Receptionist and 19 years as a Personal Lines Underwriter. We know she will be a great addition to our Farm department. HALWELL MUTUAL We would like to congratulate the following team members on their recent promotions: • Dale Stuart promoted to Claims Technical Specialist • Tom Seaman promoted to Vice- President, Operations• Stephen Matusiak promoted to Vice-President, Business Innovation• Maria Scott promoted to Vice- President, FinanceDale StuartPictured L to R: Tom Seaman, Maria Scott, Marg Torrance Halwell President & CEO, and Stephen MatusiakAPPOINTMENTS380 Wellington St. Suite 1600 London, ON N6A 5B5 bboinfo@bbo.on.ca 519.679.0400 ph 519.679.6350 fax Get over 100 years of experience in Insurance Defense working for you! www.bbo.on.ca

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50TRILLIUM MUTUAL The Trillium Mutual Board of Directors is pleased to announce that Tracy MacDonald, BA, FCIP has been selected to be the President and Chief Executive Ofcer, replacing retiring President & CEO, Joe Dietrich. This appointment will be effective November 1st, 2019.Beginning July 1st, Tracy will assume the responsibilities of Chief Operating Ofcer, a temporary position, and will work directly with Joe until November 1st, when she will assume the full responsibilities of the President & CEO. Joe will be retained as a Special Advisor to the President & CEO until his formal retirement on January 20th, 2020.Tracy is currently the Vice President of Corporate Services with Trillium Mutual, a position she has held for four years. Tracy has over 25 years experience in the P&C Insurance business and has held positions in all aspects of the business. Tracy began her career at Formosa Mutual, one of Trillium Mutual’s founding companies, completing part-time administrative duties as a high school student. Tracy also serves as a Director on the Board of Directors of the Canadian Association of Mutual Insurance Companies (CAMIC). Tracy holds a B.A. in Economics from the University of Guelph, an Advanced Executive Certicate in General Management from Queen’s School of Business and a Fellow Chartered Insurance Professional designation. Tracy’s commitment to learning and innovation, her unique mix of skills, leadership qualities and passion for mutuality, positions her for continued success in leading the organization forward.“Tracy is a proven leader who is ready to take on the responsibilities of the President & CEO for Trillium Mutual Insurance. Under her leadership, Trillium Mutual will continue to provide innovative insurance solutions for its policy holders across Ontario” said Ross Lamont, Chair of the Board of Directors. Lamont added that, “Although there was tremendous interest in this position, Tracy was the clear choice as the next CEO. Our appreciation goes out to all of the candidates who had also expressed an interest in this role.”Joe Dietrich added, “I applaud our Board of Directors for investing in a robust process that has resulted in the appointment of this quality and qualied individual. Tracy will guide this great organization to new levels of success and stewardship as a member owned mutual.”APPOINTMENTS

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August 201951Ontario Mutuals is proud to be the presenting partner of the Ontario Queen of the Furrow competition. The competition allows young women to promote and increase their involvement in agriculture throughout their communities. During the competition, the Queens enhance their leadership and public speaking skills and act as role models for young girls to inspire them to get involved in agriculture. Annually, there are hundreds of young women across the province who compete in Queen of the Furrow competitions. The competitions are rst held at a regional level. Regional Queens become ambassadors of their communities and their local Plowmen’s Association. Throughout the year the Queens attend many local events, farm shows, fairs, and the Ontario Plowmen’s Association Annual Convention.In September, the Queens head to the International Plowing Match where they compete for the Ontario Queen of the Furrow title. They are judged on their plowing ability, appearance and deportment, an interview, a prepared speech and an impromptu speech. Last year’s winner was Derika Nauta of Oxford County. OM News had the opportunity to catch up with Derika to ask her about her reign as Queen and what the Queen of the Furrow competition means to her.Where did you grow up?I grew up just outside of Tavistock, Ontario.Have you (and your family) always been involved in Agriculture? In what capacity?Yes, we own a family dairy farm. I was also an active member in 4-H.What does the Ag community mean to you?I believe that agriculture is more than just farming - it’s a vital, complex industry that unites us all together to help support the world’s needs. As a proud member of the agricultural community, I know that we are never alone and that we will always be stronger together. I believe that growing up in this environment has shaped me into the tenacious, caring person I am today.Where did you get your post-secondary education? What did you study and why?I studied Health Science and Biology at the University of Western Ontario (2018) and am now in my second year of studying medicine at the Canadian College of Naturopathic Medicine where I hope

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52to one day open an integrative health clinic near my hometown. Growing up as a competitive gure skater, I have always had a passion for health and wellness. However, it wasn’t until during my undergrad where I really developed an interest in physiology and realized that an individual’s overall health is actually inuenced by a combination of factors that can be managed through education and proper lifestyle changes. The opportunity to thus educate, guide, and empower patients while developing meaningful relationships solidied my goal in pursuing a career as a naturopathic doctor.How did you get started in the Queen of the Furrow Competition? Why was it important to you to get involved?Although I have grown to love living in London (and now Toronto), there was always a part of me that missed living on the farm and being a part of the agricultural community. I decided to compete for the Oxford County Queen of the Furrow title to not only connect back with my rural roots, but to also use the title as an opportunity to educate and inspire my peers back at school, and of course in the community, who may not have been as familiar with agriculture.What did you like best about the Queen of the Furrow competition?Competing for the Ontario title at the International Plowing Match in 2018 was such a great experience. During the competition, we were judged on our plowing abilities, our interview and our speech. The top ve nalists were also judged on their answer to an impromptu question. Although competitions can sometimes bring out the worst in people, I was happily surprised at how professional and kind all the competitors were and left the competition with friendships that I will cherish for a lifetime. Getting to experience all the International Plowing Match & Rural Expo had to offer during the couple days was also fascinating. I was blown away with how big tented city was. There was great food, lots of talented music acts, awesome vendors and spectacular entertainment and live demonstrations. My favourite performances were the Canadian Cow Girls, the rodeo, and the Dancing Tractors. There was just so much to see and do that I almost forgot it was a competition.What do you think you’ve learned through this process?Winning the title of Ontario Queen of the Furrow has been a remarkable experience thus far. Over the year, I have been given the opportunity to connect with people from a variety of different agricultural backgrounds and as a result, I have been able to develop a deeper understanding about the different industries within agriculture. I have found it very fascinating to see how farming styles can differ within Ontario and am always excited to hear about each family’s agricultural history. Not only has learning more about my agricultural community increased my competence and appreciation for the industry, but the opportunity to represent such an amazing organization has also helped me develop valuable life skills such as public speaking, communication and interpersonal skills, relationship building, leadership, time management, and condence.How has your year been as the Queen so far?I feel as if the quote, “Time ies when you’re having fun” perfectly reects my experience so far. It is hard to believe

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August 201953that in a few short months my reign will be over. I am so grateful to have the opportunity to travel all across Ontario promoting the Ontario Plowmen’s Association and the International Plowing Match and Rural Expo, which is held in Verner this year. Some of the events I have participated in so far include farm shows, school visits, parades, fairs, agricultural conventions and meetings, local business visits, and of course, plowing matches.Do you see yourself staying in the Ag Community in some capacity?Yes, participating in an integrative health practice near my hometown, which has such a strong agricultural presence already, is very important to me because I believe that those that live in rural areas can sometimes face several challenges when trying to access health care, and since farming can be a 24/7 job, a healthcare appointment that is hours away isn’t always feasible. Another important health issue that I believe is not often talked about in the agricultural community is mental health. Farming, although rewarding and enjoyable most days, is not free from stress. Farmers are constantly faced with situations in which they often have little to no control. This prolonged stress can lead to many health issues in the future. And so, by practicing in my rural community, I am able to provide support to those who may need it.What are your thoughts on the importance of women in Agriculture?I believe that women can and are doing extraordinary things for our industry when given the opportunity. It is not uncommon to see shared or fully female-run farms now which I believe is an amazing step in the right direction. I was very fortunate to grow up in an environment where I had the same expectations and responsibilities on the farm as my brother, and so, I have always believed that no matter the challenges, we, as women in agriculture, can do anything that we desire to do. The Queen of the Furrow program was also designed to give women a voice in this male dominated industry. I am proud to be a women in agriculture and look forward to continuing to break stereotypes within the industry.TRUST THROUGH EXPERENCE QUALITY .TRUST. EXPERIENCE SERVICING SOUTHERN ONTARIO FOR OVER 25 YEARS. RECOVERY AND STORAGE SOLUTIONS THAT ARE COST EFFECTIVE! WE PICKUP, PAYOUT, TRANSPORT & HOLDSALVAGE, LATE-MODEL, VEHICLES, EQUIPMENT, ETC.SECURED COMPOUNDS. QUALITY SERVICE. CONVENIENCE

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54UPCOMING TRAINING EVENTSDAT E COURSE NAME COURSE DESCRIPTIONSept 12Underwriting Managers Roundtable Underwriting Managers spend the day focusing on both technical and managerial issues that impact them. Sept 18 & 19Sales Accelerator (Modules 1 & 2) This 3 -module program is designed to be delivered for the members of staff who have the responsibility for mentoring, coaching &/or managing agents of member companies to grow your business (& theirs) protably and in the direction that matches your Strategic Plan. Module 3 will be delivered on November 4. Sept 24Loss of Income Coverage(at West Elgin Mutual)The program will be suitable for agents, underwriters and adjusters who are interestedin learning and/or continuing to learn about Loss of Income Coverage. Held in the West Elgin Mutual meeting rooms in Dutton.Sept 25Automobile Physical DamageClaims FormsThis one-day session will look at how physical damage claims are handled underOntario’s automobile insurance legislation. In addition, the driving force of new technology will be explored with a look at the implications of collision avoidance systems, self-driving vehicles and black box technology on the ever-increasing cost of direct physical damage repairs. Sept 26 & 27(moved fromJune 4 & 5)Commercial AutomobileUnderwriting (in person session)This two-day session provides a comprehensive training program for underwriters new to working with Individually Rated Commercial Automobile (IRCA) risks. It is designed based on participants having either attended the Personal Lines Automobile Course(Level 1) or possessing personal/commercial lines automobile underwriting experience.Oct 2 Personal Liability Coverage ReviewAn in-depth look at the personal liability coverage wording. Intended for anyone needinga review of the coverage with an emphasis on claims. This session is part of the OMIACertication program for Insurance Practitioners and is RIBO accredited.Oct 2 Commercial Liability CoverageReviewAn in-depth look at the commercial liability coverage wording. Intended for anyone needing a review of the coverage with an emphasis on claims. This session is part of the OMIA Certication program for Insurance Practitioners and is RIBO accredited.Oct 3 Farm Liability Coverage ReviewAn in-depth look at the farm liability coverage wording. Intended for anyone needing areview of the coverage with an emphasis on claims. This session is part of the OMIACertication program for Insurance Practitioners and is RIBO accredited.Oct 7,8,9 Garage Program - Live OnlineThe Garage Program consists of the Garage Auto exposure and the Garage Property & Liability exposures delivered in three Modules. The program is suitable for staff working with the Garage Auto Program, including Sales, Service, Underwriting, Claims and Loss Prevention who would like a deeper understanding of the types of risks and coverages involved in this unique program.Oct 9,10 Young Leaders ProgramNEW! In the spirit of mutual co-operation, OMIA is pleased to host the inaugural session of our Young Mutual Leaders Program. This two-day session is aimed at individuals under the age of 35 who are near the outset of their mutual leadership journey. The focus of the program is personal and leadership development and instilling mutual values.Through the Young Mutual Leaders Program, we also aim to create a peer network for young leaders to draw support and insight throughout their mutual career. This is your chance to proactively invest in our next generation of leadership.Subject to change. Please refer to www.omia.com to review a current calendar of courses offered by OMIA. Click on “Education” and then “Education Calendar.”MANAGERS CONFERENCE The Annual OMIA Managers Conference was held at Kingbridge Conference Centre from May 27th to 29th. Mutual attendees heard from Ralph Kikkert from STRIVE!, speaking on Managing the Board Relationship Life Cycle. Other topics on Day 1 included, Hard Market - Hard Choices; Credit Scoring Implementation; Commercial Strategy Framework Project; and Data Lake Concept. Day 2 allowed for a CEO Roundtable with participants switching groups to share their perspectives on pertinent discussion questions.

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August 201955AYR FARMERS MUTUAL The Board of Directors, Staff and Agents are saddened to announce the sudden passing of Donald Carey on June 11th. Don was a CPA, owning several businesses during his career, but his passion was farming. He planted his last eld with a big smile on his face on June 8th.Don’s involvement with Ayr Farmers Mutual spanned 30+ years. He was a dedicated and valued Board Member serving as Board Chair in 1991, 1995 and 2001 and was a long term member of the Ayr Farmers Mutual Investment Committee until stepping down in 2017. Don was instrumental in creating many investment policies and standards for the company.A 1939 John Deere Model L tractor located in the lobby of Ayr Farmers Mutual was donated by Don and his late wife, Marilyn. The accompanying plaque reads, “It is placed here to remind those passing by, of the agricultural roots that formed this Company.” Don’s thoughtfulness and insights were always appreciated and will be greatly missed.AYR FARMERS MUTUAL The Board of Directors, Staff and Agents are saddened to announce the peaceful passing of Jean Kathleen “Kay” McRae at her home in Ayr on June 3rd in her 88th year. Kay was a valued member of Ayr Farmers Mutual, beginning in 1962. She served as Treasurer from 1979 until her retirement in 1991. Along with being a lifetime resident of Ayr, Kay was an active and valued member of her community, including Townline Community, Paris Agriculture Society, Knox Church, Ayr Horticulture, Canadian Shorthorn Association, Women’s Institute, Board of Ayr and District Citizens Association, Bridge and Euchre clubs. Kay will be dearly missed by her family, friends and the entire community.WEST WAWANOSH MUTUAL It is with great sadness that we announce the passing of Brian Donald MacKay, on June 7th. Brian was a director at the West Wawanosh Mutual Insurance Corporation for the past 11 years. Remembered for his commitment to the company and to Ontario Mutuals, Brian served the West Wawanosh Mutual Insurance Company as a Director and Chair, with integrity, honesty and compassion. Brian and his long term partner, Deb, enjoyed attending OMIA and local events with the extended team. Brian understood the need to be active in the community and participated with enthusiasm, without fanfare. We miss Brian’s participation and assiduity. Whatever Brian did, it was always delivered with a sly smile and bright eyes.IN MEMORIAMRemembering our Mutual Family Members

OM News August 2019

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