Mutual Fire Insurance is owned by our members, not shareholders. People, not profits, are our priority. When you are part of a mutual insurance company, you become part of a community.


We are a dual policyholder structured mutual insurance company meaning, you can choose to become a member for a $15 annual fee.  It’s ownership that makes a difference. Become a member and enjoy the benefits of MemberPROTECT®:

  • Free homeowner’s equipment breakdown coverage for qualifying homes
  • Receive a premium refund, if so declared by the Board of Directors, after the first complete year of your membership
  • Attend the Annual General Meeting and any Special Meetings
  • Receive voting rights on resolutions that affect the company
  • Nominate or accept a nomination to become a Director on the Board


Want to have a real say at your mutual insurance company? It’s ownership that makes a difference.


I have paid $15.00 for my membership fee, but what happens if I have more than one policy?

Any premium refund will be based on the total combined earned premiums of all your Mutual Fire Insurance policies for that year. In the event more than one company is providing your insurance and the policy is issued by Mutual Fire Insurance, any refund will be based on the Mutual Fire Insurance portion of your premiums only.

How do you calculate the amount of premium refund returned to a member?

Each member’s proportionate share (%) of the total amount of member premiums, will equate to their proportionate share (%) of the premium refund pool.

How long do I have to be a member to qualify for a refund?

The member must have a premium note (your membership fee) in place for one year prior to the fiscal year-end to be eligible for a refund. The membership must be continuous and must have been in effect on the last day of the fiscal year.

I am a member, how do I become a Director on the Mutual Fire Insurance Board?

A fellow member must put forward a nomination for you to be a Director, which will then be considered and voted on at the Annual General Meeting (AGM).

I live outside British Columbia, but I am a member, am I still eligible to be a Director on the Board?

Yes, you can be on the Board if you are currently a member and live outside British Columbia. Mutual Fire Insurance can utilize video conference for all Board meetings with Directors who are unable to attend in person. As a Director, you must be able to meet all duties and requirements, such as reviewing company finances and investments, working with regulators, and understanding insurance concepts.

If I have more than one member policy, am I entitled to more than one vote?

The member is allowed one vote no matter how many active Mutual Fire Insurance policies or Member Premium Notes are held.