Welcome, Middlesex Banner readers, to Caradoc Townsend Mutual! Founded in 1879, CTM has always been about serving our communities with personalized coverage.

CTM was built on the belief that insurance should be accessible, reliable, and personalized. Unlike large international companies, we are deeply rooted in the communities we serve. Our founders, a group of farmers, recognized the importance of local knowledge and trust, and those values remain at the heart of our business today.

Our agents are more than insurance professionals; they are members of the community, living and working alongside you. They pride themselves on taking the time to connect with clients, understand their unique circumstances, and provide tailored advice.