ABOUT US 
Your Mutual
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
Allan Hedley
Director
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.
Tim Montague
Past Chair
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.
Harold Meadows
Director
Harold was appointed to the Board of Directors in 2006 and served as Chairman in 2013.
Harold resides with his family in Cayuga.
Mike Falk
Director
Michael was appointed to the Board of Directors in 2020.
Michael is the Director of International Sales at Battlefield International, a manufacturer of innovative hardware solutions for aerospace and defense applications.
Michael, his wife Paula and their four children currently reside in Hagersville.
Jeff Potter
Director
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 Brohman
Vice Chair
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.
Mike Horvath
Board Chair
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.
Jennifer Peart
Director
Jennifer was appointed to the board in 2023, bringing with her 15 years of experience with Farm Credit Canada as a Senior Relationship Manager. A Guelph Agricultural Business and Advanced Agricultural Leadership program graduate, Jennifer is passionate about volunteering with the Ontario Spring Discover Dairy Show. Jennifer and her husband run a robotic dairy farm in Jerseyville, Ontario, where they reside with their daughter.
MANAGEMENT TEAM
Stephen Quinn
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.
Paul Tiller
COO & Claims Manager
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.
Jenny Menard
Chief Financial Officer
Jenny joined the company in 2026 bringing 23 years of experience working within the mutual insurance community. She has 8 years experience as an auditor in charge of auditing up to 7 mutual insurance companies annually.
Jenny holds an Honours Bachelor of Mathematics Degree from the University of Waterloo and is a Chartered Professional Accountant, Chartered Accountant.
Jenny currently lives in Strathroy with her family.
Myles Tonnies
Chief Information Officer
Myles joined our Cayuga Mutual team in 2021 as our Systems Administrator.
Born in Niagara, Myles has settled in Haldimand, calling it his home.
Myles and his family reside in Caledonia.
Stacey Aitchison
Underwriting Manager
Stacey joined the company in 2020 as our Property & Commercial Underwriting Manager bringing with her many years of insurance experience.
She is a Business Insurance Graduate and holds her Chartered Insurance Professional (CIP) designation.
Stacey grew up in Haldimand County, and now resides with her family in Hagersville.
Marey Martin
Business Analyst
Marey joined the company in 2024 and was appointed Business Analyst in 2025. Marey holds the Chartered Insurance Professional (CIP) designation and the General (OTL) Insurance Agent License. Marey and her family reside in Niagara.
Stephen Coons
Sales Team Manager
Stephen joined the company in 2025 as our Sales Team Manager, bringing with him director-level leadership experience across brokerage firms and direct writing organizations.
Stephen holds his HLLQP Insurance Licence and an Advanced Diploma from Niagara College in Business Administration – Operations Management.
Stephen currently resides in Hannon.
Greg Perkins
Human Resources Manager
Greg joined Cayuga Mutual in 2025, bringing extensive expertise in Human Resources. He holds an Honors Certificate in Human Resources Management from Conestoga College, a Diploma in Business Administration Management from Mohawk College, and a Conflict Management and Mediation Certificate from Conrad Grebel University College.
Residing in Brantford with his family, Greg is actively involved in his community. He has volunteered for several years as a coach with Brantford Minor Hockey, demonstrating his commitment to leadership and teamwork beyond the workplace.
AGENTS
Calum Gray
Agent
Cal joined Cayuga Mutual in 2026 bringing extensive knowledge in Business Insurance, Sales and the Culinary Arts. He grew up in Jordan Station, now residing in Beamsville with his family and graduated from Niagara College. Cal enjoys attending his local church, playing sports and is an active Outdoorsmen.
Email Charlene Croft:
Charlene Croft
Agent
Charlene Joined Cayuga Mutual in 2023, bringing 30 years of insurance sales experience with her. A lifelong resident- born and raised in Haldimand, Charlene and her family currently live in Fisherville.
Email Charlene Croft:
Dale Killins
Agent
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.
Email Dale:
Jake Smith
Agent
Joining Cayuga Mutual in 2015 with a few years of insurance experience, Jake believes in getting to know and building relationships with his clients while keeping their best interest at heart.
Growing up in Haldimand, Jake now resides in Fisherville. When not at work, Jake can be found spending time with family and friends or on the golf course.
Email Jake:
Jaden Brownell
Agent
Jaden entered the insurance industry shortly after graduating from the Fanshawe College, Business insurance program and he hasn’t looked back since. Jaden joined Cayuga Mutual in 2021 as a Customer Service Rep and has recently moved to an agent’s role. While actively pursuing his CIP designation, Jaden resides in Cayuga and volunteers with the Caledonia Athletic Softball Association, and the Caledonia Lions.
Email Jaden:
Krista Neill
Agent
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 volunteering for Senior Support Services through the Community Support Centre Haldimand-Norfolk and is also part of 100 women Who Care Haldimand.
Originally from Prince Edward Island, she loves the small town feel of Caledonia, where she resides with her family.
Email Krista:
Michelle Hamilton
Agent
Michelle joined Cayuga Mutual in 2023. With her roots in Haldimand, Michelle brings 8 years of insurance experience to her agent role. She is currently working toward obtaining her Charter Insurance Professional Designation (CIP). When she’s not busy providing insurance solutions, Michelle loves spending time with her family and volunteering for youth sports. She’s an avid supporter of minor baseball and can often be found cheering on the Norfolk Hammerheads. Michelle is also passionate about education and volunteers with school programs.
Email Michelle:
Starr Doleman
Agent
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.
Email Starr:
Trent Byleveld
Agent
Trent was born and raised in Cayuga and currently resides in York. He graduated from the Insurance Coop Program at Mohawk College and just recently completed the Chartered Insurance Professional (CIP) designation.
Email Trent:
Account Mangers, Customer Service Representatives and Front Desk
Kim Kaspersetz
Account Manager
Kim joined Cayuga Mutual Insurance in 2026 as an Account Manager, bringing with her more than 15 years of comprehensive experience in the insurance industry, including sales and service, underwriting, and audit and compliance. Her extensive background equips her with the knowledge and skills to provide outstanding client support and contribute meaningfully to the company’s operations and strategic initiatives.
Originally from Canfield, Kim now resides in Welland with her family. Outside of her professional responsibilities, she enjoys glamping along the Grand River and traveling to destinations that require air travel, reflecting her passion for exploration and new experiences
Nathan Travis
Account Manager
Nathan joined Cayuga Mutual in 2025, bringing a lifelong connection to agriculture and a passion for farm insurance. Born and raised on his grandfather’s farm in Caistor Centre, he continues to call the area home. When he’s not at work, Nathan enjoys the outdoors and staying active through weightlifting.
Nicole Bain
Customer Service Representative
Nicole joined Cayuga Mutual in 2024. A graduate of Saint Mary’s University, Nicole brings over 11 years of experience in financial services and insurance. She holds her OTL licence and is known for her attention to detail, problem-solving skills, and collaborative approach. When she’s not helping customers, Nicole enjoys playing recreational softball and volleyball, and making lasting memories with her family.