March 6, 2018

Appliance Meltdowns and How You Can Stay Covered

Appliance Meltdowns and How You Can Stay Covered

By | Home Insurance | No Comments

Modern homes have many appliances such as dishwashers, fridges, and computers which boost our comfort and make our lives easier. These devices are susceptible to electronic surges and other breakdowns. Learn more about how even new appliances can break down.


Appliance Equipment Breakdown meltdown dishwasher fridge washing machine dryer


With this in mind, ask your insurance broker about homeowner’s equipment breakdown coverage.

Plus, if you become a member of Mutual Fire Insurance, you may qualify to receive FREE homeowner’s equipment breakdown coverage.*


*For qualifying homes

February 28, 2018

Mutual Fire Insurance Declares Premium Refund for Qualifying 2017 Member Policyholders

Mutual Fire Insurance Declares Premium Refund for Qualifying 2017 Member Policyholders

By | Membership | No Comments

At the beginning of every year, Mutual Fire Insurance reviews all our financial statements and investments to ensure we exceed the set financial conditions of our company charter and maintain a healthy company surplus. This year, when our Board met to review the financials, they declared a refund of premiums for qualifying member policyholders.

Don Hooge, Chairman of the Board said, “We achieved an underwriting income this year through our commitment to solid underwriting, prompt claims handling, and improved operational efficiencies in all departments. We are proud of the remarkable efforts of our staff and broker partners serving the policyholders of Mutual Fire Insurance” he added, “The Board always plans for the long-term goals of the company and keeps the best interests of our policyholders top of mind.”

2017 is the second year in a row that Mutual Fire Insurance has declared a premium refund for policyholders. Moreover, we have declared six premium refunds totaling over $2 million from 2007 to 2017.

President and Chief Executive Officer, Darin Lord Nessel added, “Our strategic plan has provided Mutual Fire Insurance with opportunities to transform our operations and build a better customer experience – a living representation of our Vision to embrace change, and our Mission to create innovative solutions and respond with unparalleled service. We look ahead to 2018 and the initiatives established by Mutual Fire Insurance are unfolding exactly as planned.”

Qualifying policyholders can contact their insurance broker with any questions about the refund of premiums. Mutual Fire Insurance looks forward to another successful year of serving you, our policyholders.

The 2017 Annual Report is also available for more details.

Visit the Mutual Advantage page to read frequently asked questions and learn more about membership.

February 7, 2018

Mutual Fire Insurance Gives Notice for the 116th Annual General Meeting

Mutual Fire Insurance Gives Notice for the 116th Annual General Meeting

By | Membership | No Comments

Take notice that an Annual General meeting of the members of The Mutual Fire Insurance Company of British Columbia will be held on Wednesday, February 28, 2018 at 10:00am at the Sandman Signature Hotel located at 8828 201 Street, Langley, BC V2Y 0C8.

Attendance at the AGM is by invitation to members only.

The purpose of this meeting will be to receive reports and the financial statements for 2017, appointment of the auditors, and transacting other such business as can be dealt with at the AGM.

The annual report will be made available at the AGM and on the Mutual Fire Insurance website after February 28, 2018.

December 11, 2017

Preparing Your Business for Winter’s Worst


Preparing Your Business for Winter’s Worst

By | Commercial Insurance | No Comments

Unpredictable winter weather can wreak havoc on your property. Winter storms can result in an assortment of business challenges caused by frozen pipes, blackouts as well as snow and ice storms. The fall is an ideal time to prepare your property and protect it against serious damage and business disruption caused by the cold.

Frozen Pipes

Thousands of people experience frozen and burst pipes every year and even a small crack leaking for one day can release over 250 gallons of water. Pipe insulation can protect your pipes for as little as 50 cents per foot, while a single burst pipe averages $5,000 in damages.

Prevent frozen and burst pipes with these simple steps.

  • Visually inspect the exterior of your building, and seal any air leaks close to the pipes with insulation or caulk.
  • Maintain 65°F (18°C) or higher in the building during the winter.
  • Disconnect outdoor hoses and shut off the indoor water valve.
  • During unusually cold snaps, allow one faucet to drip warm water slowly. Even a small trickle can aid in preventing pipes from freezing.
  • Install pipe insulation for as little as 50 cents per foot.
  • Wrap high-risk pipes (i.e. those in an unheated areas) with heat cables or heat tape. Make sure these products are approved by testing organizations, and follow the installation instructions carefully.
  • When leaving the building for an extended period of time, have someone check on it daily when temperatures drop significantly.


Blackouts are traditionally associated with spring storms, but the winter has the potential to cause blackouts as well. The weight of ice and snow on wires, combined with downed tree limbs are the primary causes. Unlike springtime, a blackout during cold months presents additional challenges and potential for loss. Consider these steps to protect your business from disruptions caused by unwelcome winter weather.

  • Develop a communication plan for all critical employees.
  • Arrange for alternate supplies of critical materials.
  • Implement a procedure to maintain your building’s protective features such as alarm systems and sprinkler systems.
  • Plan to maintain heat to avoid pipes from freezing through the use of supplemental heat or back up power.
  • Research vendor agreements to service customers in the event your company is unable to.
  • Plan to deal with product spoilage, which can include transfer of product, accelerated delivery to customers and/or delayed deliveries from suppliers, etc.
  • Consider a retainer contract with a power rental dealer if the business power requirements are very high. Ultimately, supplemental power for businesses require more planning due to larger electrical load requirements.

Snow or Ice Build-Up

Most roofs are designed to withstand 30lbs of weight per sq. ft. Winter storms with significant snow or ice build-up create especially difficult challenges that can jeopardize your building if it’s not equipped to handle the weight. Consider the suggestions below to protect your property.

  • Inspect gutters, downspouts and scuppers for damage, blockages, vegetation and any other fault that would prevent their proper operation. Examine the fasteners, hangers and supports as well.
  • Survey the condition of your roof and have all required repairs made to the roof surface, including all flashing and fasteners.
  • Check for heat leaking into attics and concealed spaces under the roof to minimize the potential for ice dams.
  • Create a snow removal plan or contract for snow removal and ice treatment.

Find a Broker to chat more about our Commercial Insurance product.

November 28, 2017

Winterizing Your Home Before a Vacation


Winterizing Your Home Before a Vacation

By | Home Insurance | No Comments

Are you a snowbird heading out of town for months at a time? Maybe you’re just taking your family on vacation for a couple weeks to beat the winter blues. In either case, your entire household will leave, and your home will be left behind.

A home with no lights and no activity is a target for thieves.

Damage to empty homes from a leak or power surge can go unnoticed for weeks.

Keep your home safe while you’re away this winter by preparing ahead of time. So, before you lock the door, give your home a WASH! Look at Water, check Appliances, make it Secure, and Heat it correctly.


  • Turn off water at the meter
  • Open all faucets and drain all water lines. If your area is prone to freezing temperatures, drain the toilet and water heater too.
  • If your area allows, pour RV type antifreeze in drain traps.
  • Remove/empty whole hose water filters.
  • Use an air compressor to remove any residual water in pipes.
  • Follow manufacturers instructions to winterize refrigerator/ice maker/water dispenser.
  • Consult a plumber for winterizing well pressure tanks, water softeners, acid neutralizers, etc.
  • If you will be gone for an extended time, cover toilet bowl with plastic wrap to prevent evaporation of toilet trap and entrance of sewer gases.


  • Unplug appliances to prevent damage from power surges.
  • Empty and clean refrigerator, leave door ajar.
  • Disconnect and drain hoses for washing machine.


  • Lock all doors and windows, use storm shutters if equipped.
  • Leave contact information with your neighbours or a friend.
  • Consider maintaining exterior security lighting on timers.


  • If you heat your home while away, adjust to maintain the temperature above 50°F (10°C) to prevent mold and mildew on furnishings from condensation. Consider purchasing a temperature-monitoring system.
  • Have heating contractor winterize the system, if turned off.
  • Lower temperature setting on gas water heater or switch to vacation mode.
  • Drain whole house humidifier.

Leaving your home unattended for an extended period of time increases the chances of property damage or theft. Take proactive steps to winterizing your home when your household is out of town and you can vacation peacefully knowing your home is as safe as can be.



fireplace-wood-heat-stove-comfortable Looking for more?

Here are three safety tips for your wood heat stove or fireplace.

November 17, 2017

3 Wood Heat Safety Tips


3 Wood Heat Safety Tips

By | Home Insurance | No Comments

Fired up for the warm crackle of a wood heat stove or fireplace this winter?

Before you light the kindling, ensure your stove or fireplace is ready for the season by following these tips!

Inspect and Clean

Ash and creosote naturally build up inside a wood heat stove and fireplace when you burn wood. Follow the manufacturer’s recommendation for your device maintenance and cleaning; scheduling an annual inspection is also a fairly common best practice. To keep your stove or fireplace in tip top shape, we suggest hiring a professional chimney sweep to complete the maintenance and cleaning.

Use a Screen

If your wood burning fireplace is designed without a cover, consider purchasing a good quality screen. A screen provides protection for the floor and carpets and moves easily so you can tend to the fire. It also prevents children from getting too close to the flames.

Install Safety Features

Purchase an ABC-type fire extinguisher and store it near your wood heat stove or fireplace. If a fire catches outside of its intended spot, you are prepared to put it out. Another essential safety feature for your home is a carbon monoxide detector. If the ventilation or flue of your stove or fireplace is blocked, carbon monoxide will build up in your home. A detector will alert you if a build up occurs, so you and your family can safely exit the home.


Did you know that dry, well-aged wood burns the best? You will be able to start the fire easily, see less smoke and ash, and a enjoy a better burn. You can identify seasoned wood by checking the ends of the log to see if they are darkened and have cracks or splits. It should be, relatively, light weight and make a “clunk” when two pieces are beat together. You can also purchase a moisture meter to know exactly how much moisture is in the logs.

November 1, 2017

Power Outage at MFI

Power Outage at MFI

By | Uncategorized | No Comments

UPDATE 11:09am

The power has been restored in our office and we are available to assist you.


The power at Mutual Fire Insurance is out due to a fault on the transmission line serving the areas of Port Kells, Walnut Grove and Fort Langley. We are unsure of when our power will be reconnected. This means both our phones and our computers are disconnected and we are unable to review our files to help our broker partners and policyholders.

We will update you soon when the power is restored.

We apologize for any inconvenience this may caused you.

If you need to make a claim please contact our 24-hour claims lines

British Columbia: 1.855.535.0554

Alberta, Saskatchewan, Manitoba, Ontario: 1.877.896.0113


October 17, 2017

Breaking Down Equipment Breakdown for Farm Insurance Policies


Breaking Down Equipment Breakdown for Farm Insurance Policies

By | Farm Insurance, Insurance Explained | No Comments

Operating a modern, commercial agricultural business means investing in the necessary equipment to operate. From 10 acres to 1,000 acres, there’s an exhaustive list of equipment and technology you use to operate your farm. Minimize downtime and save yourself the hassle of hiring to repair mechanical, electrical, and pressure systems by choosing to add farm equipment breakdown coverage to your insurance policy.

Many insurance policies limit or exclude equipment breakdown so adding this enhancement to your farm policy is a good way to protect your investment in farm equipment.

You can check the limit of coverage (the amount you are insured up to in the event of an equipment breakdown) by checking your policy coverage summary and wordings. In the event that you have a claim, you will need to pay your deductible. However, if the only coverage being used is the Farm Equipment Breakdown coverage, there is no loss of claims-free discount.

Just what exactly is an equipment breakdown? It is defined as physical loss or damage originating within mechanical, electrical, electronic, or boilers and other vessels normally subject to vacuum or internal pressure.

We’ll break down each type below.

Note, examples are just an illustration to show different types of claims. Each claim received by Mutual Fire Insurance is adjusted individually with coverage to be determined based on your unique claim.

Mechanical Equipment Breakdown

When equipment has moving parts that fail to operate, it is considered a mechanical breakdown.


The exhaust fan in the poultry house mechanically seized due to lack of lubrication. An alarm system alerted the operator to the problem and a temporary fan was brought in before losing fowl. Total property damage covered was $3,500 plus an extra expense of $800.

Electrical or Electronic Equipment Breakdown

Electrical Farm Equipment Room

Wiring and fibre optics running through farm equipment can break down due to a power surge or a single phasing event (that’s when the lights flicker or only some lights go out). Another cause for electrical breakdown is an arcing occurrence between wires.


A severe voltage spike damaged the windings in a 50hp feed water pump motor. The motor could not be repaired due to the extensive electrical damage and was replaced. Total property damage covered was $5,575.

Pressure System Equipment Breakdown

Any equipment under pressure that fails to operate due to a rupture, bursting, bulging, implosion, or steam explosion.


The 300hp irrigation pump seized due to low water conditions. Repair parts were obtained and shipped overnight. The costs to the property were $15,025 and an expediting expense of $1,200 was included.

Types of Farm Equipment

Poultry Barn Farm Equipment Chickens

Additional examples of property covered include:

  • Air Conditioning Units
  • Automatic waterers
  • Boiler and Pressure Vessels
  • Circuit breaker panels
  • Compressors
  • Computer Controlled Equipment
  • Computerized feeding systems
  • Computers
  • Conveyors
  • Electrical Systems
  • Generators
  • GPS Equipment
  • Heating and cooling systems
  • Heating Units
  • Irrigation Systems
  • Milking parlors and collection equipment
  • Motors
  • Pumps
  • Refrigeration compressors
  • Refrigeration Units
  • Transformers
  • Well/Water pumps


Ultimately, farm equipment is meant to be used. With use comes natural wear and tear to the equipment and all devices have a life expectancy. This wear and tear is not covered through farm equipment breakdown.

Talk with your insurance broker to see if farm equipment breakdown is the right coverage for you.

October 10, 2017

Great BC ShakeOut 2017

Great BC ShakeOut 2017

By | Community | No Comments

3 Things You Didn’t Know About Earthquakes

  1. About 90% of the world’s earthquakes occur in the “Ring of Fire” —  a horseshoe-shaped zone of the Pacific Ocean from the southern tip of South America up to Alaska over to Russia and back down to New Zealand. MFI’s head office sits in Langley, BC near the pacific coast and within the Ring of Fire. 
  2. About 500,000 detectable earthquakes occur in the world each year. 100,000 of those are felt by people and about 100 cause damage.
  3. There is no such thing as “earthquake weather”. Whether it is cold, hot, rainy, or dry, statistics show an equal distribution of earthquakes. If weather does affect earthquakes, we do not yet understand how it works.

Earthquakes happen fairly often in the world but we don’t do enough to prepare for them. It is important to be prepared for what to do in an earthquake and the best way to be prepared is to practice!

Great BC ShakeOut 2017

Every year since 2014, MFI participates in the Great BC Shakeout. This year we’ll be practicing on Thursday October 19 at 10:19am PST. We encourage you to participate too!

Learn more about earthquake preparedness and register your school, work, or home to participate at


Do you need to pack a 72-hour emergency kit?

Here’s a big list of 72 items you need for your emergency kit.


October 1, 2017

Introducing New Membership Benefits

Introducing New Membership Benefits

By | Home Insurance, Membership | No Comments

Mutual Fire Insurance Celebrates its 115th Year of Business

Hobby Farm Family

Our history begins with 44 farmers and business owners in the Fraser Valley region. Determined to create a local insurance company, MFI became the first mutual insurance company with its main office in the province and today, we provide solutions for farm, commercial, and home insurance needs from British Columbia to Ontario.

Navigating the economic ups and downs of the last century, MFI persisted to grow into a stable and profitable dual-structured mutual company. Our structure allows you to become a member and enjoy special perks!

Introducing MemberPROTECT™

On October 1, we introduced our enhanced membership program, MemberPROTECT™, with two new benefits for qualifying homes:

All members still enjoy the following benefits:

  • Receive a premium refund (after the first full year of membership), if so declared by the Board of Directors
  • Attend our annual general meetings and any special meetings
  • Vote on resolutions that affect the company
  • Nominate or accept a nomination to become a Board Director

Our success is due to the strong relationships we have with our broker partners. We cater to the needs of our broker family across the country and support them with innovative products. Our company is flexible and we take pride in helping our clients by providing peace of mind solutions.

Contact a broker today and ask about insuring with Mutual Fire Insurance.