Usborne & Hibbert Mutual Insurance Company

What Usborne & Hibbert Mutual Insurance Company does

Usborne & Hibbert Mutual Fire Insurance Company is a Canadian mutual property and casualty insurer founded in 1876 and headquartered at 507 Main Street S., Exeter, Ontario. The company operates under a mutual ownership structure in which every policyholder is automatically a shareholder, the board of directors is elected from the policyholder base, and surplus profits are returned to policyholders via an annual Refund from Surplus distribution. It serves rural Ontario communities, originally the Usborne and Hibbert townships and now the surrounding Exeter-area market, with four core product lines: Agribusiness Insurance for farms and agricultural operations, Auto Insurance including statutory accident benefits, Commercial Insurance for businesses and commercial properties, and Residential Insurance for homeowners and cottages. Distribution is conducted through a combination of direct sales at the Exeter office, a network of licensed insurance agents and brokers (whose compensation is publicly disclosed on the company website), and a self-service digital channel comprising online quote request forms, an online payment portal, and the UH App for policyholders.

The underlying technology stack is modest and operationally focused: a digital insurance platform with web-based quote intake, payment processing, and a policyholder mobile application. There are no disclosed AI/ML capabilities, proprietary underwriting algorithms, or data flywheel mechanisms, and technology investments appear oriented toward digitizing historically manual policyholder interactions rather than automating core insurance functions. Revenue mechanics are straightforward recurring insurance premiums billed on an annual cadence with pricing determined through individual risk assessment and a quote process; no public pricing tiers or premium amounts are disclosed, consistent with the opaque pricing norm in the mutual P&C segment.

The company's go-to-market is community-led and sales-assisted: it relies on deep local relationships, mutual ownership as a trust anchor, education-driven content marketing (blog, seasonal insurance tips), and community involvement programs including the 2026 150th Anniversary campaign. Industry affiliations with Ontario Mutuals, the Canadian Association of Mutual Insurance Companies (CAMIC/CAMI), and the Fire Mutuals Guarantee Fund provide regulatory standing, peer support, and policyholder protections. The company is led by President and CEO Shelagh Cleary, employs 11-50 staff, and holds BBB accreditation. Financial information is not publicly disclosed.

Name

Usborne & Hibbert Mutual Insurance Company

Legal name

Usborne and Hibbert Mutual Fire Insurance Company

Website

https://usborneandhibbert.ca

Company type

Private

Founded year

1876

Operating status

Operating

Headcount range

11–50 employees

Short description

Usborne & Hibbert is a 150-year-old mutual property and casualty insurer headquartered in Exeter, Ontario, serving rural Ontario communities with agribusiness, auto, commercial, and residential insurance through direct, agent, broker, and digital channels under a policyholder-owned mutual model.

Ownership category

akta.pro rank

Product category

Mutual Fire and Property & Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Agencies and Brokerages (524210)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industry

Habitational / Residential Property Managers BOP (FSAJAFAN)

Keywords

• Mutual fire insurance
• Agribusiness insurance
• Commercial insurance
• Residential insurance
• Auto insurance

Headquarters

HQ city

Exeter

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Infrastructure, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Insurance Premiums: Recurring insurance premium revenue collected from policyholders. As a mutual insurance company, every policyholder is also a shareholder entitled to a share of the company's profits through refund from surplus distributions.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

Usborne & Hibbert provides property and casualty insurance to rural Ontario consumers and businesses across four core product lines: Agribusiness, Auto, Commercial, and Residential insurance, plus a Loss Prevention risk-assessment service. As a mutual insurance company, every policyholder is also a shareholder, with the board of directors elected from policyholders, and profits shared via refund from surplus distributions.

Product overview

Usborne & Hibbert Mutual Fire Insurance Company operates as a mutual insurance model where every policyholder is also a shareholder in the company. The company offers four core insurance products: Agribusiness Insurance for agricultural operations, Auto Insurance for vehicles including statutory accident benefits, Commercial Insurance for businesses, and Residential Insurance for homeowners. Additionally, the company provides Loss Prevention Services as part of its customer support offerings. The company was founded in 1876 and celebrates its 150th anniversary in 2026, serving policyholders in rural Ontario communities.

Differentiator

Problem solved

Functional benefit

Products and services

• Agribusiness Insurance Insurance coverage tailored for agricultural businesses, protecting farms and agribusiness operations in rural Ontario, including farm property, barns, livestock, and farm equipment.
• Auto Insurance Vehicle insurance coverage including statutory accident benefits for personal and commercial auto policies in rural Ontario.
• Commercial Insurance Business insurance coverage protecting commercial establishments and operations in rural Ontario, including commercial property and business liability.
• Residential Insurance Home insurance coverage protecting personal residences and homeowner properties, including personal property coverage and residential liability.
• Loss Prevention Services Risk assessment and loss prevention guidance to help policyholders minimize potential damages and claims.

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• Ontario MutualscoreOthersMember of Ontario Mutuals network, a provincial association of mutual insurance companies operating in Ontario. The partnership provides access to shared resources, industry advocacy, and the collective strength of the mutual insurance sector in Ontario. Usborne & Hibbert participates in Ontario Mutuals programs including the AALP spotlight initiative.
• Canadian Association of Mutual Insurance Companies (CAMI/CAMIC)coreOthersMember of the national Canadian Association of Mutual Insurance Companies (CAMI/CAMIC). This association represents mutual insurance companies across Canada and provides advocacy, standards, and networking for member companies like Usborne & Hibbert.
• Fire Mutuals Guarantee FundcoreOthersUsborne & Hibbert participates in the Fire Mutuals Guarantee Fund, a regulatory protection mechanism for policyholders of Ontario mutual fire insurance companies. This provides an additional layer of security and regulatory oversight for policyholders.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Market position

Competitive moat5 records

Key highlights6 records

Customer concentration

• Xx.com/usbornehibbert
• Facebookfacebook.com/UandHMutual
• LinkedInlinkedin.com/company/usborne-hibbert-mutual-insurance-company

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Usborne & Hibbert Mutual Insurance Company