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Cayuga Mutual Insurance


The basic tenets of mutual insurance in Ontario have not changed much since the beginning.

Community based, mutual companies are directed and operated by their Policyholders. The mutuals are governed by a Board of Directors elected from among the Policyholders. The Board appoints the Officers of the Company.

In return for agreeing to secure Policyholders against loss, the Company collects premiums. This fund, together with income from investments, is used to pay losses sustained by the Policyholders as well as the expenses of running the Company. Any surplus either remains in the Company’s surplus account or may be refunded to Policyholders at the discretion of the Policyholder Directors.

The concept is of community, protected.


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