On January 1, 2016, Heartland Farm Mutual Inc. became a legal entity, formed from the merger of North Waterloo Farmers Mutual and Oxford Mutual. These two parent companies brought together long-standing experience in serving Ontario’s insurance needs. In August 2021, Heartland Farm Mutual amalgamated with The Kings Mutual Insurance Company of Berwick, Nova Scotia. The Kings Mutual Insurance Company has been fulfilling the needs of residential, commercial, and agricultural policyholders in Nova Scotia since 1904. Heartland Farm Mutual is in your community. Whether you're in agriculture, a business owner or a homeowner, more than ever, people like you appreciate the value of the mutual insurance alternative. Our Vision To be the leading Mutual dedicated to fulfilling our promise with a personal approach. Our Mission Providing tailored insurance solutions through exemplary customer experience-building on our legacy of protecting agribusiness and communities. Our Values • Integrity – Our strong moral principles are demonstrated by our commitment to honesty and fairness in all our interactions. • Diversity and Inclusion – We recognize and appreciate diversity and value the contributions of all by fostering an inclusive environment. • Accountability – We deliver on our promises and assume ownership of our actions. • Community & Environment – We contribute positively to improve the quality of life and the sustainability of our communities. • Progressive – We seize value opportunities and embrace change. • Customer Focus – We focus on providing the best customer experience and create outcomes that deliver long term value.