Proving Ownership for Insurance Coverage

If you make an insurance claim, you will need to tell your insurance company what was lost. During the process, after coverage is confirmed in your insurance policy, you will…

Flexible and Convenient: Pay by Card

Mutual Fire Insurance now offers more flexibility for policyholders with a new option to pay your insurance policy online! Beginning August 1, 2023, new and renewing policyholders may choose credit…

2022 Broker and MGA of the Year Award Winners

Mutual Fire Insurance awarded three top performing 2022 broker partners with a $5,000 donation to a charity of their choice. Broker of the Year for British Columbia The 2022 Broker…

2021 Broker and MGA of the Year Award Winners

Mutual Fire Insurance awarded three top performing 2021 broker partners with a $5,000 donation to a charity of their choice. Broker of the Year for British Columbia Hatton Insurance Agency…

Home Insurance: Launching a NEW Product for Policyholders

Launching September 1, 2021, Mutual Fire Insurance offers homeowners and renters in British Columbia a new product to protect their property! Home Insurance at MFI introduces easy to read wordings…

Eight Easy Farm Harvest Safety Tips

It’s always good to talk about farm harvest safety! Harvest is one of the busiest times in the year for farming and, even during the rush to cut a thousand…

MFI Partners with City Dream Centre Charity

What is City Dream Centre? City Dream Centre is a Surrey, British Columbia based non-profit organization that has been serving their community for over a decade. The organization spearheads a…

Protecting the Next Generation: Insuring Semen and Semen Tanks

Breeding and calving are a necessary part of farm life for a dairy or a ranch. In fact, the success of the farm can depend heavily on selecting the right…

Mutual Fire Insurance Ranks as Five-Star Carrier 2021

Mutual Fire Insurance is honoured to be rated a Five-Star Carrier in 2021! Each year, Insurance Business Canada asks hundreds of insurance brokers from across the country how well insurance…

Understanding Farm Drone Insurance

In the last five years, drones, also known as unmanned aerial vehicles (UAVs), have seen exponential advancement and crossed many regulatory hurdles here in Canada. In tandem, the agricultural community…

Learn About Coverage for Harvested Grains and Produce

In Canada, crop insurance may be purchased from the federal-provincial-producer cost-shared program called AgriInsurance. This type of insurance typically protects traditional and horticultural crops from perils like drought, flood, wind,…

Insuring Your Fencing, Corrals, and Paddocks

In the farmyard and stretching over many acres, farmers will put down a lot of fencing, corrals, paddocks, gates, and enclosures. Fencing serves many purposes on the farm such as:…

Emergency Evacuation: Steps to Take to Protect Your Livestock

Weather emergencies like wildfire and overland water flooding events are becoming common in Canada. When they threaten communities, these events receive emergency evacuation orders from local authorities. Although emergencies can…

Antiques and Collectibles and Insurance

Adding antique art and furniture to your home or displaying collected treasures can bring you joy. But have you thought about how to insure antiques and collectibles? It may not…

2020 Broker and MGA of the Year Award Winners

Mutual Fire Insurance awarded three top performing 2020 broker partners with a $2,500 donation to a charity of their choice. Broker of Year for British Columbia The 2020 Broker of…

The Mutual Fire Insurance Company of British Columbia Declares Premium Refund for Qualifying Members

After a thorough audit of the 2020 financial statements, ensuring Mutual Fire Insurance meets all regulatory requirements and exceeds the company’s financial targets, the Board of Directors has declared a…

Mutual Fire Insurance Gives Notice for the 119th Annual General Meeting

Take notice an Annual General Meeting of the members of The Mutual Fire Insurance Company of British Columbia will be held at 10:00am, Wednesday, February 24, 2021 via livestream and…

MFI Named One of the Top Insurance Workplaces for 2020

MFI has been named one of the Top Insurance Workplaces for 2020 by Insurance Business Canada (IBC) in the category for Fewer Than 99 Employees! When it was revealed MFI…

3 Steps to Get Started with Silo Fire Safety: Planning, Prevention, and Responding

With silage carefully stored inside of a silo made of metal or concrete, farmers may not think to plan for the possibility of a fire in these storage units. Needless…

Subrogation 101 for Policyholders

Subrogation. Now that is a big insurance word. Generally, subrogation is a term describing a legal right held by a party (insurance company) who assumes the right to legally pursue…

On the Farm: COVID-19 Risk Management Best Practices

Protecting yourself, family, and communities by creating a COVID-19 farm risk management plan should be a top priority. Listed below are some best practices specifically for farmers to consider. In…

Best Practices for Returning to Work: Small Business and COVID-19

Small businesses owners are adaptable, and with the unpredictable nature of the novel coronavirus, flexibility is so important. To help you with your small business COVID-19 risk management plan, we…

Getting the Right Coverage: Difference Between Home and Hobby Farm Insurance

If you are a hobby farmer who is unsure about the difference between home and hobby farm insurance, you have come to the right place! Below we will break down…

Risk Management on the Farm: Fruit and Berry

Risk management on the farm helps protect everyone. This five-part series introduces various safety challenges on different types of farms, check out Part 1: Poultry; Part 2: Dairy; Part 3:…

Risk Management on the Farm: Grain

Risk management on the farm helps protect everyone. This five-part series introduces various safety challenges on different types of farms, check out Part 1: Poultry; Part 2: Dairy; Part 3:…

Risk Management on the Farm: Ranch

Risk management on the farm helps protect everyone. This five-part series introduces various safety challenges on different types of farms, check out Part 1: Poultry; Part 2: Dairy; Part 4:…

Wildfire Risk: How to Protect Your Home

In Canada, about 45% of wildfires are caused by lightning in remote areas. The remaining 55% of wildfires are human caused, usually in more populated areas. While many of the…

Risk Management on the Farm: Dairy

Risk management on the farm helps protect everyone. This five-part series introduces various safety challenges on different types of farms, check out Part 1: Poultry; Part 3: Ranch; Part 4:…

Risk Management on the Farm: Poultry

Risk management on the farm helps protect everyone. This five-part series introduces various safety challenges on different types of farms, check out Part 2: Dairy; Part 3: Ranch; Part 4:…

Risk Management on the Farm: Series Introduction

Adopting a safety approach to all aspects of the farm can only benefit you as a farmer. In the insurance world, this concept is often called risk management and it…

MFI Announces Donation to Support Local Food Banks

LANGLEY, BC, April 22, 2020—In response to the COVID-19 pandemic, The Mutual Fire Insurance Company of British Columbia (MFI) has donated $12,500 to charity initiatives helping to feed hungry individuals…

Information About COVID-19

Updated 07/19/2021 Now that BC has entered Step 3 effective July 2, 2021, Mutual Fire Insurance has opted to continue the below protocols. Further updates will be provided as we…

2019 Broker of the Year Award Winners

Mutual Fire Insurance is proud to work with our broker partners. As part of our commitment to community initiatives, we grant awards each year to the top performing brokers in two categories: Broker…

Mutual Fire Insurance Gives Notice for the 118th Annual General Meeting

Take notice that an Annual General Meeting of the members of The Mutual Fire Insurance Company of British Columbia will be held at 10:00am, Wednesday, February 26, 2020 at the…

The Big Picture: Why Insurance Rates Increase

From the small, family insurance brokerages serving rural Canada to the large multinational insurance carriers with head offices in Toronto and around the world: the insurance industry is massive—it has…

Property and Casualty Insurance: Understanding the Difference Between Mutual and Stock Insurance Companies

At this moment, you may not know what type of company your current insurer is; however, knowing the difference between mutual and stock insurance companies can help you decide if…

Start Here for Insurance Coverage and Farm Diversification

Farmers may subsidize their operations with a side business to assist with profitability—and reduce the financial fluctuations that can occur when running an agricultural operation. Creating new businesses, or farm…

Protecting Your Farm Machinery

Farmers have been innovators and early adopters of technology for hundreds of years. It makes perfect sense: operating a farm with machines improves germination rates, allows more land to be…

Loss Prevention: Farm and Ranch Wildfire Preparedness

As the summer season heats up, wildfires become a concern because warmer and drier weather across Canada creates ideal fuel conditions for a blaze. Though wildfires are part of nature’s…

Learn How Agricultural Business Interruption Can Support You on the Farm

Understanding the full scope of agricultural business interruption (BI) insurance can be a challenge for folks outside of the insurance industry. Business interruption coverage is complex; however, it is a…

The Poultry Life Cycle on a Farm

Chicken and chicken eggs are two of the most popular protein sources in Canada but that’s not the only kind of poultry produced by farmers. Turkey, duck, quail, silkies, and…

3 Helpful Ways Windbreak Trees Protect Your Farm & How You Can Get Insurance Coverage for Them

Windbreak trees—also known as shelterbelts—are groups of bushes, deciduous, and coniferous trees planted with purpose. The majority of farming operations can benefit from a well-thought-out plan for shelterbelts, plus the…

Insuring Your Farm: Why the Site Diagram is So Important

Have you memorized the layout of your farm? It’s your home and place of business, you could probably rattle off the north, south, east, and west landmarks without missing a…

Defining Replacement Cost Value for Property Insurance

As you begin the process of placing your insurance policy with your broker you may discuss how property will be valued and replaced if you make an insurance claim. Often,…

Defining Actual Cash Value for Property Insurance

As you begin the process of placing your insurance policy with your broker you may discuss how property will be valued and replaced if you make an insurance claim. Often,…

Are My Farm Tools Covered Under My Insurance Policy?

Picture this: a faulty wire in the walls of your workshop arcs causing a fire. The fire spreads quickly finding a pile of greasy rags and triggering flames that engulf…

2018 Broker of the Year Award Winners

Mutual Fire Insurance is proud to work with our broker partners across Canada. As part of our community initiatives, we grant awards each year to the top performing brokers in…

The Growing Need for Cyber Risk Insurance

In the last three years, there has been an exponential increase in the number of data breaches and cyber attacks reported in the news. The events are both local and…

Mutual Fire Insurance Gives Notice for the 117th Annual General Meeting

Take notice that an Annual General Meeting of the members of The Mutual Fire Insurance Company of British Columbia will be held at 10:00am, Wednesday, February 27, 2019 at the…

Mutual Fire Insurance Launches FarmPROTECT™

February 1 marks launch of new farm insurance product Mutual Fire Insurance (MFI) recognized farms are modernizing, and insurance coverage needs to keep pace with technological advancements and government regulations….

Start Your Farm Renewal Discussion with These 3 Things

Insurance renewal time? Great! This is an opportunity to meet with your insurance broker and go over the coverage needs for your operation. The broker may come to visit you…

Understand Your Co-Insurance Clause Like an Insurance Pro

Co-insurance may appear on the declaration page of your farm, hobby, or home insurance policy. If you see this clause, your insurance coverage may be limited. How? Well, let’s dive…

How to Identify a Hobby vs Commercial Farming Operation

If you aren’t sure about the insurance differences between a hobby farm and a commercial farm, you have come to the right place. Below we breakdown a little bit about…

Fired Up for Summer? Remember to Keep These Fire Safety Tips in Mind

As temperatures soar into the twenties and thirties, we Canadians welcome the heat of summer months! While enjoying the weather, homeowners should also consider that hotter temperatures bring drier conditions….

Risky Summer Fun: The Pool and the Trampoline

Summertime brings warmer days, sunshine, and outdoor play. Often, one of the last things on your mind are dangers associated with the season. It might be a surprise, but common…

How much? Premium, Deductible, and Limit of Insurance

Premium, deductible and limit of insurance each have a specific meaning when you refer to your insurance policy— no matter if it’s farm, hobby farm, commercial, or home insurance. At…

2017 Broker of the Year Award Winners

Mutual Fire Insurance is proud to work with our broker partners across Canada. As part of our community initiatives, we grant awards each year to the top performing brokers in…

Mutual Fire Insurance Declares Premium Refund for Qualifying 2017 Member Policyholders

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…

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

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…

Preparing Your Business for Winter’s Worst

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…

Winterizing Your Home Before a Vacation

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….

3 Wood Heat Safety Tips

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…

Breaking Down Equipment Breakdown for Farm Insurance Policies

Updated: October 22, 2019 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…

Introducing New Membership Benefits

Mutual Fire Insurance Celebrates its 115th Year of Business Our history begins with 44 farmers and business owners in the Fraser Valley region. Determined to create a local insurance company, MFI…

Bylaw Coverage Explained Simply: How to Protect Yourself from Out of Pocket Expenses

One of the most frustrating things for a policyholder to experience is unexpected costs that can occur in addition to a direct damage loss. When a loss occurs, you expect…

The Ultimate List of 72 things You Need in your 72-Hour Emergency Kit

From the Fort McMurray wildfires to floods in Saskatchewan to the BC wildfires to wind storms in Manitoba; extreme weather events harm people in communities across Canada during any season…

Coming Home After a Wildfire Evacuation Order is Rescinded

Updated: 07/08/2021 As evacuation orders are rescinded in wildfire areas, and residents are able to return home to their communities, journey safely by checking the Drive BC website to plan…

Partnering with Integris to Support BC’s Interior

Warm weather and high winds continue to fuel the flames of over 120 fires in British Columbia. Many communities are on Evacuation Alert and over 40,000 people have evacuated for…

Mutual Fire Insurance Declares Premium Refund for Qualifying 2016 Policyholders

Mutual Fire Insurance had a healthy and profitable year and we are pleased to announce positive financial results for 2016. After meeting set financial conditions for the company, the Board…

The New MutualFireBC.com

Welcome to the new Mutual Fire Insurance website! Our teams have been hard at work developing a new site with a refreshed design. We have more information about our farm, hobby…