Every driver needs auto insurance, but not every insurer provides the needed level of service. At Howard Mutual, personal service is what sets us apart. We pride ourselves on knowing our policyholders and their needs.
Whether you are retired, use your vehicle for commuting to work, drive for business purposes, or simply drive for recreational fun, Howard Mutual has the automobile insurance packages to meet your needs. Not only do we cover your car, SUV, or pickup we also offer insurance coverage for all types of recreational vehicles.
At Howard Mutual, we recognize that life is not all work, sometimes you need to just get out and play. Even though you are playing, you still need appropriate insurance. We offer coverage for the following types of recreational vehicles:
Howard Mutual has been insuring farm use vehicles for well over 40 years. If you have a farm use pickup, stake truck, or highway tractor, we can provide you with the coverage you need at affordable rates.
Insuring small and mid-sized businesses in Southwestern Ontario has become a core part of what we do at Howard Mutual. Whether your business has light or heavy commercial vehicles, we have a solution to meet your needs.
Howard Mutual’s insurance history is rooted in the communities we serve. These communities are not fueled by large corporations employing hundreds, but rather by small and mid-size businesses that employ a handful of workers. That is why we tailor our commercial auto insurance programs to meet the needs of small businesses.
Fleet insurance is for businesses that own and operate several commercial vehicles.
There are two distinct advantages to fleet insurance programs:
Our fleet insurance program is one of the most flexible in Ontario. Most fleet insurance programs require you to have at least five or ten commercial power units in order to receive the benefits of the program. The Howard Mutual program is much more flexible and allows us to offer your business the advantage of a large fleet rated program for your much smaller fleet.
Our garage insurance program is tailored to meet the needs of small, local garage operators.
Garage insurance is a type of auto insurance policy designed to meet the needs of garage owners who have a unique and additional risk in terms of their legal liability for the care, custody, or control of customer automobiles. These unique risks are not covered under a standard automobile insurance policy. Anyone in the business of selling, repairing, servicing, detailing, storing, maintaining, towing, or parking others’ automobiles needs a garage insurance policy. Our program is designed for small businesses that are not in the primary business of selling cars.