# Mutual Fire Insurance

> Mutual Fire Insurance is a Langley-based, member-owned property and casualty insurer founded by 44 Fraser Valley farmers and business owners in 1902. It sells farm, hobby-farm, and home coverage through independent brokers from British Columbia to Ontario, while its wholly owned Four Points Insurance subsidiary handles commercial and optional auto products. Its practical edge is specialization: plain-language policies, coverage for odd but real agricultural exposures, and a membership option that gives policyholders voting rights and potential premium refunds or discounts.

- **Founded:** 1902
- **Headquarters:** Langley, Canada
- **Founders:** 44 Fraser Valley farmers and business owners (Founding members)
- **Team size:** 86 employees listed in supplied company data; the 2023 annual report said more than 80 employees
- **Products:** Mutual FarmPROTECT, Hobby FarmPROTECT, Farm Equipment Breakdown, Home Insurance, MemberPROTECT
- **Notable:** First mutual insurance company headquartered in British Columbia., AM Best financial strength rating of A- (Excellent) with a positive outlook as of July 2026., Grew gross written premiums from C$96.4 million in 2018 to C$127.3 million in 2019 after launching FarmPROTECT.

## Products & services

- **Mutual FarmPROTECT** — Customizable farm property and liability coverage for buildings, contents, livestock, machinery, produce, and specialized agricultural exposures, written with clearer definitions and conditions.
- **Hobby FarmPROTECT** — Combined home and small-farm protection for part-time agricultural operations, livestock, produce, stock, machinery, fencing, tools, and optional enhancements.
- **Farm Equipment Breakdown** — Protection for mechanical, electrical, and pressure-system failures affecting items such as refrigeration, pumps, motors, generators, computers, and controlled equipment.
- **Home Insurance** — Coverage for homeowners, tenants, and landlords, including dwellings, contents, living expenses, liability, home businesses, boats, and optional cyber and systems protection.
- **MemberPROTECT** — Optional mutual membership benefits including voting rights, governance participation, qualifying claims forgiveness, and possible board-declared premium refunds or discounts.
- **Commercial and optional auto insurance through Four Points Insurance** — Commercially focused products offered through Mutual Fire's wholly owned subsidiary, which began operating in 2022.

## Achievements

- First mutual insurance company headquartered in British Columbia.
- AM Best financial strength rating of A- (Excellent) with a positive outlook as of July 2026.
- Grew gross written premiums from C$96.4 million in 2018 to C$127.3 million in 2019 after launching FarmPROTECT.
- Reported C$15.1 million in net income and C$260.2 million in assets for 2023.
- Reached 2,431 mutual members by the end of 2023.
- Named a Five-Star Carrier by Insurance Business Canada in 2021.
- Named a Top Insurance Workplace in the fewer-than-99-employees category in 2020.
- Donated more than C$200,000 to Canadian charitable organizations in 2023.
- Formed the commercially focused Four Points Insurance subsidiary in 2022.
- Made Hobby Farm insurance available for digital quote and bind through Quotey in 2025.

## Latest updates

- **2026-07** — Published a Hobby Farm Insurance Assessment Checklist for brokers.
- **2026-07** — AM Best's credit rating monitor listed Mutual Fire and Four Points at A- (Excellent) with positive outlooks.
- **2025-09** — Launched real-time digital quote-to-bind access for Hobby Farm insurance through Quotey.
- **2025-06** — Appointed Christine Young as Chief Marketing Officer, effective June 30, 2025.
- **2025-01** — Publicly described its internal upskilling, succession-planning, and emerging-leaders program.
- **2024-09** — Announced an AM Best A- rating with an improved positive outlook for Mutual Fire and Four Points.

## Links

- Website: https://mutualfirebc.com
- LinkedIn: https://www.linkedin.com/company/mutualfireinsurance
- Twitter/X: https://twitter.com/mutualfirebc

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Profile page: https://yespress.io/mutual-fire-insurance
Published by YesPress — https://yespress.io
Last updated: 2026-08-23