The basic tenets of mutual insurance in Ontario have not changed much since the beginning.
Community based, mutual companies are directed and operated by their Policyholders. The mutuals are governed by a Board of Directors elected from among the Policyholders. The Board appoints the Officers of the Company.
In return for agreeing to secure Policyholders against loss, the Company collects premiums. This fund, together with income from investments, is used to pay losses sustained by the Policyholders as well as the expenses of running the Company. Any surplus either remains in the Company’s surplus account or may be refunded to Policyholders at the discretion of the Policyholder Directors.
The concept is of community, protected.
BOARD OF DIRECTORS
Mark Comley was appointed to the Board of Directors in 2007 and served as Chairman in 2014.
Mark and his family reside on their farm in Ancaster.
Allan was appointed to the Board of Directors in 1985 and served as Chairman in 2004-2005 and 2012.
Allan resides with his family in Canfield.
Harold was appointed to the Board of Directors in 2006 and served as Chairman in 2013.
Harold resides with his family in Cayuga.
Charlie was appointed to the Board of Directors in 1980 and served as Chairman in 1989-1990, 2000-2001 and 2010.
Charlie has been farming for over forty years, during which time he has operated dairy and cash crop farms. He remains active in the prayer ministry of the Gateway Church in Caledonia.
Charlie resides in Oneida.
Walter was appointed to the Board of Directors in 1986 and served as Chairman in 1993-1994, 2006-2007 and 2015.
Walter and his wife reside in Caledonia.
Tim was appointed to the Board of Directors in 2016.
Tim is employed in the agribusiness sector and is actively involved with the family farm. He resides with his family east of Jarvis.
Jeff was appointed to the Board of Directors in 2016.
Jeff works in the real estate industry as a sales representative. Jeff and his wife Trish currently reside on the outskirts of Cayuga and have two sons.
Wendy was appointed to the board in October of 2018 to replace the retiring board member, Jerry Keunen.
Wendy retired from a 40 year career in Diagnostic Imaging at Hamilton Health Sciences. She is an active member of the Paramount Drive Alliance church and lives on a small farm in Binbrook with her husband.
Michael was appointed to the Board of Directors in 2020. Michael owns Digital Envy, a digital marketing agency that helps local businesses grow their business online. Michael, his wife Lori and two daughters reside in Ancaster.
President & CEO
Stephen joined the company in 2002 and was appointed Chief Executive Officer in 2014.
Stephen holds both a Bachelor of Arts Degree with Honors from Wilfred Laurier University and a Diploma in Business Administration. He holds his Chartered Insurance Professional (CIP) and Canadian Risk Management (CRM) designations.
Stephen and his wife reside in Caledonia.
Irene joined the company in 1996 and was appointed Underwriting Manager in 2014.
Irene and her family reside in Cayuga.
Assistant General Manager
Rosanne joined the company in 2004, was appointed Human Resources manager in 2014 and subsequently appointed as Assistant General Manager in 2017.
Rosanne and her family reside in Cayuga.
Anthony joined the company in 2007 and was appointed Systems Administrator in 2013.
Anthony holds a Bachelor of Mathematics with Honours from the University of Waterloo.
Anthony and his family reside in Hamilton.
Chief Financial Officer
Melissa joined the company in 1999 as a co-op student, and after several years in the mutual insurance community, she returned to Cayuga Mutual in 2020 as Chief Financial Officer.
Melissa holds an Honours Bachelor of Commerce Degree from Laurentian University, and is a life-long Haldimand County resident who resides in Cayuga with her family.
Paul commenced his insurance career working for a national independent adjusting firm. He has handled all lines, but over time began to focus on Commercial liability and property claims.
Losses handled include many large complex claims to structures as well as liability claims involving amusement rides. He remained as an independent adjuster for 31 years and held positions including General Adjuster, Manager, VP of Operations for Ontario and National Technical Director.
He holds his FCIP with a Claims Management major, is a Fellow Chartered Loss Adjuster and a Fellow of the International Federation of Adjusters Associations.
Mike joined Cayuga Mutual in 2007 after having spent some 20 years in the farm machinery industry.
Mike is a lifelong resident of Haldimand County. He has served on the Environmental Farm Planning Committee and the Haldimand Soil and Crop Board.
Mike and his family reside in the Dunnville area.
Barb was born and raised in Haldimand and now lives in Cayuga. She joined Cayuga Mutual in 2010 after working as an insurance broker for 14 years.
Education has played a key role in her development in the insurance industry, obtaining the CAIB designation.
She is active in different local minor sports organizations such as Cayuga Minor Hockey & Six Nations Minor Lacrosse.
Dale joined Cayuga Mutual in 2003. Dale was born and raised on a beef and hog farm in the Smithville area and continues to operate a cash crop farm and volunteers with the West Lincoln Fire Department.
Dale and his family reside just outside of Smithville.
Doug was born and raised in the Haldimand County and received his Bachelor of Science in Agricultural from the University of Guelph.
Doug joined Cayuga Mutual in 1987. Doug is involved within the community as a member of the Caledonia Agricultural Board, the Haldimand Curling Club and Haldimand 4H.
Doug and his family reside just east of Cayuga.
Krista joined Cayuga Mutual in 2010 with a background working in Insurance and Financial Services since 1995.
She has completed a Business Administration Diploma through Mohawk College, a Bachelor of Business Administration Degree through The Open University of British Columbia, and holds a Chartered Insurance Professional (CIP) Designation.
Krista enjoys spending time with her family and friends, volunteering at her children’s school and living an active lifestyle.
Originally from Prince Edward Island, she loves the small town feel of Caledonia, where she resides with her family.
Jake joined Cayuga Mutual in 2015, bringing with him previous insurance experience.
He grew up in Haldimand County and now resides in Hamilton.
Phil started with Cayuga Mutual in 2015, bringing with him previous insurance experience.
When he is not at the office or visiting clients you’ll find him spending time with family, playing different recreational sports or working on projects at home.
Phil was born & raised in Caledonia and now resides in Jarvis with his family.
Bo Chausse brings 22 years of sales experience to Cayuga Mutual. His hard work for the Knights of Columbus since 1996 and true passion for his clients has helped his reputation as a qualified Insurances Sales Representative rise.
Bo has lived in Caledonia with his wife and 2 children for the past 22 years. He is a well known community member through his involvement in hockey, baseball and the Caledonia Chilly Cook-off.
Mittu joined Cayuga Mutual in 2018 bringing with him 7 years of experience in insurance and financial services. He enjoys working closely with policyholder members whether that be visiting them at their home or at the office.
Mittu loves spending time with his financè and two dogs and is involved in many hobby groups; if it is motorized, you can find him involved. Born in India and raised in Guelph, Mittu now resides in Stoney Creek.
Starr joined Cayuga Mutual in 2013 after spending more than 20 years in the automotive aftermarket industry.
She graduated from the Mohawk College Insurance Program with an Honours Diploma and holds a Chartered Insurance Professional (CIP) designation.
When not spending time with family and friends, including her five Grandchildren, Starr loves helping out local charities including planning and organizing craft shows for fundraising.