Caradoc Townsend Mutual Insurance

Caradoc Townsend Mutual (CTM) has served the counties of Ontarios South Coast for more than a century. With offices in Waterford & Mt. Brydges, Ontario the company was started in 1879 by farmers who found that insurance through the existing foreign-owned companies was either unavailable or unaffordable. CTM is organized somewhat similar to a co-operative: each customer is also a member, and the members actually own the company! Year after year, the company has successfully met its goal to provide reliable insurance to its members at as low a cost as possible. The Board of Directors is elected by the members, and each Director is also a policyholder. They dont report to some far away speculative shareholders. Instead, they govern the company with the long term needs of the member-customers in mind. Take a look at the names of the past Directors going back to 1879. Is one of your ancestors on the list? In co-operation with other farm mutual insurance companies, CTM is part of a fin...