Caradoc Townsend Mutual (CTM) has served the counties of Ontario’s South Coast for more than a century. With offices in Waterford & Mt. Brydges, Ontario the company was started in 1879 by farmers who found that insurance through the existing foreign-owned companies was either unavailable or unaffordable. CTM is organized somewhat similar to a co-operative: each customer is also a member, and the members actually own the company! Year after year, the company has successfully met 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. Instead, they govern the company with the long term needs of the member-customers in mind. Take a look at the names of the past Directors going back to 1879. Is one of your ancestors on the list? In co-operation with other farm mutual insurance companies, CTM is part of a financially strong system of re-insurance and the best solvency protection guarantee in the entire insurance industry. As a result, CTM is able to compete with the large insurance companies and insure even the largest operations. As a longstanding corporate citizen, CTM supports local agriculture and community services, sponsoring local fairs, youth sports, soil and crop improvement societies and senior support organizations. CTM has donated $50,000 to both the Norfolk General Hospital Family Fund and the Waterford Arena “Raise the Roof” campaign. Whether your need is automobile, property, commercial, farm, life, or disability insurance, CTM and its affiliates can help you secure your future. Insure with a local company! CTM is not far away and we are here to stay.