About Us

Our History

Caradoc Townsend Mutual (CTM) has served the counties of Ontario’s South Coast for more than a century. CTM began in 1879 by a group of farmers looking for affordable insurance not available through larger, international companies. In the years since, CTM has thrived and continued to provide insurance solutions to people across Southern Ontario. With offices in Waterford and Komoka, we are well placed to serve our clients, and we remain committed to our communities.

Our Structure

CTM is organized like a co-operative so each customer is also a member, and the members actually own the company. Year after year, the company successfully meets 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 don’t report to some far away speculative shareholders, but instead, they govern the company, its members and our community in mind.

We are proud members of:

In Our Community

As a longstanding corporate citizen, CTM proudly supports local agriculture and community organizations; sponsoring: local fairs, youth sports, soil and crop improvement societies, service clubs, and senior support organizations. In addition, we made significant contributions to the Waterford Arena “Raise the Roof” campaign, Norfolk General Hospital Foundation, and The Waterford Heritage Trail, just to name a few.

Discover the Caradoc Townsend Mutual difference.

Call us today for more information about our services.

Insurance Quote