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Monday 8:30am - 4:30pm Tuesday 8:30am - 4:30pm Wednesday 8:30am - 4:30pm Thursday 8:30am - 4:30pm Friday 8:30am - 4:30pm

Heartland Mutual Insurance

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Waterloo, ON
Heartland Mutual Insurance

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In Ontario & Nova Scotia, offering Auto, Home, Farm, Commercial insurance solutions tailored for you. Heartland Farm Mutual Inc.

formed in January 2016 from the merger of North Waterloo Farmers Mutual and Oxford Mutual. These two parent companies bring together a combined total of more than 250 years of experience serving rural Ontario’s insurance needs. OXFORD MUTUAL INSURANCE was formed as a result of an amalgamation of two farm mutual insurers in 1973. The roots of these two companies dated back to 1878 and were based in the rural Ontario communities of Oxford, Middlesex, Elgin and Perth Counties. Originally, policies were written focusing exclusively on fire insurance but over the years, the needs of the policyholder/owners changed substantially. Broader and different coverage was requested. Oxford Mutual continued to meet those needs with the assistance of the mutually owned Farm Mutual Reinsurance Plan Inc., and their mutual insurance trade association, Ontario Mutual Insurance Association. In 2015, following an approval vote by their mutual policy holders, Oxford Mutual merged with North Waterloo Farmers Mutual Insurance Company. For more information about the Legacy of Oxford read: “Rooted in the Community”

NORTH WATERLOO FARMERS MUTUAL was established on June 9, 1874 when a number of farmers from the 3 northern townships of Waterloo, Ontario held a public meeting to form an independent farm mutual. The Company issued 200 policies in its first year and eventually expanded its operations into other counties. The philosophy of meeting the needs of the policyholders, understanding exposures and limiting potential for loss through prevention, had proven to be a simple and effective growth strategy. The directors, being farmers themselves, personally applied their knowledge and experience whenever possible. By 2014 North Waterloo Farmers Mutual Insurance Company was one of the largest insurers of farm property in Ontario, offering a variety of innovative insurance products with a continued emphasis on loss prevention. In 2015, following an approval vote by their mutual policy holders, North Waterloo Farmers Mutual Insurance Company merged with Oxford Mutual

10/22/2026

October 18-24 is

Invisible (or non-apparent) disabilities are physical, mental, or neurological conditions which significantly limit daily activities but are not immediately apparent to an observer. They can include:

🧡 Mental Health Conditions: Depression, Anxiety, Bipolar, PTSD / CPTSD, OCD

🧡 Chronic Pain and Musculoskeletal Conditions (pain & fatigue): Fibromyalgia, Chronic Fatigue Syndrome, Arthritis, Lupus, Endometriosis, Bodily Injuries

🧡 Neurodivergence and Cognitive Impairments (information processing, communication, sensory input): Autism, ADHD, Dyslexia, Dyspraxia, Brain Injuries

🧡 Chronic Medical and Autoimmune Diseases: Diabetes, Crohn's, Colitis, Multiple Sclerosis, Long Covid, MCAS

🧡 Sensory Impairments: Hearing loss / deafness, low vision / blindness, sensory processing disorders

Symptoms are as unique as each individual suffering with them, and the severity is often downplayed when facing pressure to fit in. Lack of understanding increases the stigma and the suffering, as individuals attempt to manage others' perceptions of them, on top of dealing with the realities of their condition.

In Canada, backed by the Human Rights Act and various provincial laws, individuals with non-apparent disabilities have as much legal right to accommodations as do those with visible disabilities. It is estimated that over one fifth of people aged 15 and up live with a non-apparent disability.

To learn more, visit: invisibledisabilitiesweek.org

10/12/2026

Thanksgiving is a time to reflect on what matters most.

At Heartland Mutual Insurance, we're thankful for the people, businesses, and communities we have the privilege to serve every day.

From our team to yours, we wish you an abundant Thanksgiving, full of the things you're thankful for.

10/10/2026

FIRE PREVENTION WEEK - OCT 4-10

Keep portable devices on the tray table if you're charging them while on a plane.

Do not charge devices in overhead compartments and never charge e-cigarettes or vapes on a plane.

If a battery overheats or fails, it is important for the flight crew to be able to respond quickly.

For more info, visit www.fpw.org

10/09/2026

FIRE PREVENTION WEEK - OCT 4-10

Stop using your device right away if the battery smells strange, is warm to the touch, makes popping noises, changes in shape or colour, or if you see smoke. A damaged battery can overheat and start a fire.

If it is safe, move the device away from anything that can catch fire.

For more info, visit www.fpw.org

10/08/2026

FIRE PREVENTION WEEK - OCT 4-10

Charge large items like e-bikes, scooters, and power tools outside when possible.
Do not block exits when charging.
These batteries store more energy and fires can grow quickly if they fail.

For more info, visit www.fpw.org

10/07/2026

FIRE PREVENTION WEEK - OCT 4-10

Unplug your device when it is fully charged. Leaving it plugged in longer than needed can increase heat and stress on the battery.

For more info, visit www.fpw.org

10/06/2026

FIRE PREVENTION WEEK - OCT 4-10

Always charge your devices on a hard, flat surface like a table, desk, or floor.

Beds, couches, and pillows can trap heat and block airflow, which can cause a battery to overheat and increase the risk of a fire.

For more info, visit www.fpw.org

10/05/2026

FIRE PREVENTION WEEK - OCT 4-10

Only use the cord and charger that came with your device, or ones approved by the manufacturer. Using the wrong charger can damage the battery and increase the risk of fire.

For more info, visit www.fpw.org

10/05/2026

In the insurance business, we know prevention is the first step to avoiding harmful and costly losses. That’s why it’s important to us to recognize National Fire Prevention Week here in Canada.

This year’s theme is: Safe Charging is a Superpower. Use your charging superpower by making smart choices every time you plug in.

Each day this week, we will share a different safety tip to help you prevent lithium-ion battery fires. Share these with your family and friends to keep them safe too!

For more info, visit www.fpw.org

09/30/2026

To honour the Indigenous Peoples of Canada, we wear our orange shirts today, gather to raise a flag, read the land acknowledgement, and take a moment of silence to remember survivors of the residential schools, as well as the children never returned home.

We acknowledge the lasting systemic harm caused by residential schools. By learning more about Indigenous traditions, we can better honour this land and help rebuild relationships between cultures.

How You Can Participate:

🧡 Wear your orange shirt (you can order them at orangeshirtstore.ca)

🧡 Attend a community gathering

🧡 Support Indigenous artists and businesses

🧡 Read stories and perspectives written by Indigenous authors

🧡 Watch and listen to radio and TV programming about reconciliation

🧡 Donate to organizations that support survivors

🧡 Help raise awareness by sharing educational resources

🧡 Discuss the topic with family, friends, and coworkers

Learn more online at canada.ca/en/canadian-heritage/campaigns/national-day-truth-reconciliation

Address

590 Riverbend Drive
Waterloo, ON
N2K3S2

Opening Hours

Monday	8:30am - 4:30pm
Tuesday	8:30am - 4:30pm
Wednesday	8:30am - 4:30pm
Thursday	8:30am - 4:30pm
Friday	8:30am - 4:30pm

Telephone

+18002658813

Website

http://www.heartlandmutualinsurance.com/

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