About Us – Usborne & Hibbert Mutual Fire Insurance Company

Beginnings

Neighbours helping neighbours, since 1876.

In the late 19th century, a time when fire insurance was both expensive and difficult to find in rural Ontario, two farmers from Usborne and Hibbert townships created a mutual insurance company to help their neighbours find stability and peace of mind.

Alex Duncan from Usborne and Robert Gardiner, who lived on the Hibbert boundary, launched Usborne & Hibbert Mutual Fire Insurance Company in 1876 with a simple idea that continues to guide the company 145 years later. Neighbours helping neighbours.

Every policy holder is also a shareholder in the company, and the board of directors is elected from the policy holders. This not only creates an exceptional level of local accountability; it also entitles every policy holder to a share of the company’s profits.

Mission

To provide competitive insurance solutions that protect our policyholders and gives them peace of mind.

Vision

A better future for our Community today.

Values

Communication

is the heart and soul of our community focused business.

Cooperation

working together to provide quality service.

Fairness

is our commitment to you.

Honesty and Trust

the foundation of our relationships.

Integrity

we focus on doing the right thing. Always.

Respect

is earned by trustworthy actions.

A Century and a Half Later

Policyholder stories

Usborne & Hibbert celebrates our 150th Anniversary in 2026. These are a series of videos from some of our long-term policyholders and their family’s history and ties to our community.

The Feeney Family

150th Anniversary series · May 1, 2026