Governance

Help guide our vision

Learn how you can become a member of our board of directors and make a lasting impact.

Board of Directors

CTM believes that sound corporate governance is essential to the well-being of the mutual, and its policyholders. As a result, our members elect the CTM Board of Directors, who ensure that governance decisions align with the needs of our policyholders, as they are policyholders themselves.

In contrast to traditional corporations focused on shareholders, our Board prioritizes personalized, member-focused governance with a strong emphasis on the long-term success of our members.

Current Directors

Robin Opersko (Chair)


Location: Townsend Centre Term: 2025 - 2028 First Elected: 2014 Email: ropersko@ctmins.ca


“I committed to the position of a Director on the Board of a mutual insurance company to promote integrity and honesty based on the history of its formation and community involvement. I hope to play a leadership role in the company’s success.”

Robin is currently Chair of the Board. He was first elected to the Townsend Mutual Insurance Board in 2014 and was subsequently elected to the Caradoc Townsend Mutual Insurance Board in 2018.

Now retired, Robin spent nearly 35 years in management roles with two industrial gas corporations. Throughout his career, he served as a voting member on three CSA Transportation of Dangerous Goods Technical Committees and as Chair of the Canadian Compressed Gas Association Transportation Committee. In recognition of his outstanding long-term contribution and leadership in the compressed gas industry, Robin received the Canadian Compressed Gas Association's Morris Gold Award.

Robin holds a Bachelor of Science in Agriculture with a major in Resource Management. He also possesses a commercial driver's licence, pilot's licence, and motorcycle licence. He has lived in the Waterford area with his wife and two children for most of his life.

Jill Chuli (Vice Chair)


Location: Waterford Term: 2024-2027 First Elected: 2010 Email: jchuli@ctmins.ca


“I am honoured to represent the policyholders, work strategically with the Management team, be effective in governance and oversight and create long-term sustainability at CTM.”

Jill was elected to the Caradoc Townsend Mutual Board of Directors in 2010 and currently serves as Vice Chair. In 2018, she was elected to the Farm Mutual Re Insurance Board in Cambridge.

Born, raised, and still residing in Waterford, Jill has enjoyed the benefits of small-town community life for many years. She and her husband, Rick, have been married for 38 years and are proud parents of two adult daughters, Elaine and Ericka.

Jill's career spanned more than 34 years and was dedicated to the successful operation of small businesses in the agriculture and automotive industries. She retired in 2018 as Secretary-Treasurer of Robert H. Laning & Sons Limited, a family-owned farm equipment distribution company that operated throughout Eastern Canada for more than 50 years. Throughout her career, Jill also played a key role in the operation of Waterford Auto Centre Inc. (formerly Chuli's Chevrolet Oldsmobile Limited), a family-owned dealership that served the Waterford community for over 50 years.

Jill graduated from the Ryerson University Business Administration Program in 1984 and earned her OMIA Director Certification in 2018. She has also been a member of the Institute of Corporate Directors since 2018, further supporting her commitment to ongoing professional development and effective governance.

In her spare time, Jill enjoys spending time with her family, walking her dogs, and golfing. She is an active member of Villa Nova Baptist Church and Norfolk 100 Women Who Care.

Brian deJeu (Past Chair)


Location: Mt. Brydges Term: 2025 - 2027 First Elected: 2003 Email: bdeJeu@ctmins.ca


“I value clear and concise communication, which leads to strong relationships and trust. I enjoy problem-solving and effectively managing tasks through to their final product.”

Brian was first elected by members to the Board of Caradoc Delaware Mutual in 2003 and subsequently elected to the Caradoc Townsend Mutual Board in 2018 following amalgamation. He currently serves as Past Chair and contributes to several Board committees, including as Chair of the Conduct Review Committee. Brian also serves as CTM's Group B Representative, a position he has held since 2019. During his tenure with the predecessor company, he also served as both Vice Chair and Chair.

Born and raised in Delaware, Ontario, Brian spent a brief period living in London while his wife completed her Master's degree in Social Work. He and his wife later settled in Mount Brydges, where they raised their two children, who are currently attending University at King's College and the University of Waterloo. Brian values spending time with his family and enjoys the outdoors, particularly hiking, walking his two dogs, and relaxing at the family cottage.

Brian has been employed with Steelway Building Systems in Aylmer, Ontario, since 1995. Over the course of his career, he has held a variety of positions, including roles in structural steel drafting and detailing, ISO auditing, product development, and contract review. He currently serves as MBS Technical Specialist, applying his extensive technical knowledge and attention to detail to support the organization.

A graduate of Fanshawe College's Architectural Technology program, Brian has also pursued continuing education in Organizational Behaviour and Organizing Project Teams. In 2019, he earned his OMIA Director's Certificate and continues to expand his governance knowledge through annual training opportunities provided by OMIA.

Marv Schupp


Location: Mt. Brydges  Term: 2023 - 2026  First Elected: 2015 Email: mschupp@ctmins.ca

“I am a strong believer in the Mutual System. I bring to the table more than thirty years of entrepreneurial experience and common sense thinking and problem-solving required for business success.”

Marv joined the Board of Caradoc Delaware Mutual Insurance Company in 2015 and was subsequently elected to the Caradoc Townsend Mutual Insurance Board in 2018 following the amalgamation. During his tenure, he served as Vice Chair for three years and Chair for two years, contributing to the organization's governance and long-term success.

Originally from Germany, Marv immigrated to Canada as a young boy and spent his formative years in London, Ontario. He is the father of four grown children and a proud grandfather of three. Marv lives on a rural property near Mount Brydges, where he enjoys gardening and maintaining his property in his spare time. He is an avid motorcyclist with a passion for classic cars, Toronto Maple Leafs hockey, Toronto Blue Jays baseball, music, and travel.

Marv is a licensed General Carpenter who earned his Certificate of Qualification in 1983. Since 1991, he has operated his own contracting business, specializing in custom residential millwork and renovations, serving clients throughout London and the surrounding area.

Marv holds a high school diploma and completed the required basic and advanced carpentry courses through George Brown College and Conestoga College as part of his trade certification. In January 1983, he received his Ontario Ministry of Colleges and Universities Certificate of Qualification as a General Carpenter. In March 2023, he earned his OMIA Director's Certificate, achieving the designation of OMIA Accredited Director.


Susan Clarke


Location: Mt. Brydges Term: 2025 - 2028 First Elected: 2016 Email: sclarke@ctmins.ca


“Strong relationships are the foundation for success and long-term viability of the Mutual system”.

Susan was first elected to the Caradoc Delaware Mutual Insurance Board in 1993, where she served as both a Director and President until 2003. She returned to the Board in 2016 and was subsequently elected to the Caradoc Townsend Mutual Insurance Board in 2018 following the amalgamation. Susan earned her OMIA Director Certification in 2018 and currently serves on the Audit and Investment Committees. She also serves as CTM's Legislative Affairs Representative.

A lifelong resident of London and Middlesex County, Susan and her husband, David, operate a cash crop farm in Adelaide Metcalfe Township, where they raised their four children. Susan attended Western University, where she earned degrees in Economics and Business.

Throughout her career, Susan was registered with the Ontario Securities Commission and licensed to trade stocks, bonds, commodities, options, and derivatives. She was also registered with the Mutual Fund Dealers Association. A retired banker with more than 32 years of experience, Susan held a variety of positions, including Regional Manager, Investor Services, and Account Manager roles specializing in Commercial Credit, Small Business, and Agriculture. She was also a recipient of TD Bank's Vision in Action Award.

Susan has served on numerous boards and committees, including Middlesex Community Living, Participation House London, and the Middlesex County Community Futures Development Corporation. She currently serves on Western University's Board of Governors and its Audit, Property, and Finance Committees.

In 2018, Susan was elected as a Councillor for the Township of Adelaide Metcalfe and was acclaimed in 2022. She currently serves as Mayor. Susan also serves as a Middlesex County Councillor and sits on the Budget, Intergovernmental Relations, and Building Committees. In addition, she is a member of the Middlesex County Police Services Board, representing the municipalities of Southwest Middlesex, Newbury, and Adelaide Metcalfe.

In her spare time, Susan enjoys skiing, golfing, and reading. She is also an enthusiastic supporter of the CFL's Hamilton Tiger-Cats and the OHL's London Knights.

Mary Bacher


Location: Haldimand County Term: 2025 - 2026 First Elected: 2025 Email: mbacher@ctmins.ca


Having retired on June 30, 2025, Mary viewed the opportunity to join the Caradoc Townsend Mutual Insurance Company Board of Directors as the perfect way to stay connected to the mutual insurance community. The role also allows her to apply her experience and knowledge for the benefit of CTM policyholders while supporting the long-term sustainability of the company.

Mary brings a broad perspective to the CTM Board. Her insurance career began in 1983 and includes experience in a variety of roles, including Customer Service Representative, Sales Agent, Sales Manager, and Chief Operating Officer.

Mary began her insurance career with a State Farm agent before joining the mutual insurance industry in 2009. Throughout her career, her knowledge of insurance operations, strategic planning, and human resources contributed to successfully leading highly productive teams.

Mary currently resides in Haldimand County with her husband, Howie. They have two grown daughters and seven grandchildren, who are the centre of their world. In their spare time, Mary and Howie enjoy touring on their Harley-Davidson motorcycle and camping.

What does a Director do?

Help to Guide & Shape Strategy

Provide leadership in guiding and supporting the company’s long-term goals and strategic direction.

Champion Policyholder Interests

Ensure effective oversight that represents the needs and interests of all policyholders at CTM.

Engage in Board Committees

Serve on various Board committees that support the company’s mission and objectives.

Election Process

We elect Directors during our Annual General Meeting (AGM), typically held in late March. Each year, three of our nine Directors retire, and members elect three new Directors. Retiring Directors can choose to run for re-election and serve another term. Occasionally, members elect more than three Directors when additional retirements occur. The term of service for a Director is three years.

To qualify as a Director at CTM, candidates must:

  • Be a policyholder in good standing for at least one year.
  • Meet additional qualifications as outlined in the by-laws and Corporations Act.

If you wish to run for election, you must submit a written intent to stand for election to the Secretary of the Company no later than 20 days before the AGM. This ensures your candidacy is considered in the election process. Any names submitted after that time will not be accepted.

How Do I Apply to Be a Director?

If you’re interested in becoming a Director, send a letter of intent along with your CV to HR@ctmins.ca with the subject line “Director Position. For more details on the Director role, qualifications, or the application process, contact us directly at contact@ctmins.ca or call 1-888-302-6052.

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