Covid-19 Information Hub

Keeping you informed

We continue to monitor the recommendations from the Provincial and Federal Government and the Public Health of Ontario. We will continue to keep you informed of any developments regarding the coronavirus as it relates to our ability to respond to your insurance requests.

We appreciate your understanding and support as we work hard to provide you with the positive experience we want each Middlesex Mutual member to have in these extraordinary times.

You can also keep updated with the latest Covid-19 advice and guidance via these official sources:



The values of fairness, integrity and understanding are central to every decision we make. As a Mutual, our policyholders are at the heart of everything we do.

The economic turmoil caused by measures the government has had to take to try and prevent the spread of the coronavirus is causing financial difficulty for many. We fully appreciate the importance of providing clarity and flexibility at a time when you need us most. You may wonder what relief measures Middlesex Mutual has put in place to support our members dealing with these financial challenges. On this page you will find information about support and guidance for Middlesex Mutual clients during this period.

Policyholders are encouraged to contact their agent or broker to take advantage of the appropriate relief measures.

 How we are supporting our members during the coronavirus:
Flexible Payment Options

The disruption to our daily lives continues due to the pandemic and we appreciate you may be experiencing financial hardship as a result. Early on, we recognized our policyholders might need more time to pay their premiums and instituted relief plans that included waiving NSF fees and suspending cancellation for non-payment of policies until September 30, 2020.

Our efforts to support our policyholders do not end here. To make is easier for those members behind in payments we continue to offer flexible options including payment grace periods and waiving NSF fees. If this is your situation, we encourage you to call. We are here to help.

Auto Insurance - Premium Relief Explained

We recognize that by participating in physical distancing there are less vehicles on the road as many of you stay at home. Drivers who are no longer commuting to work or not driving at all should contact their agent or broker. Amending coverage to reflect your current driving habits can result in significant savings.

Please note: when physical distancing measures are lifted and you return to your normal routine, you will need to notify your agent and broker again to return coverages.

Commercial (Business) Insurance - Midterm Adjustments

Vacant/Unoccupied – Our Commercial policy wordings all refer to vacant/unoccupied periods of 30 days. If premises are left unoccupied in excess of these periods then insurance cover is usually restricted. However, to ensure our Members are not penalized for temporary closures, solely due to the COVID-19 outbreak, we will not consider your commercial buildings as vacant or unoccupied for coverage purposes during the emergency on the basis that reasonable measures are taken. Please visit our website for steps you can take to mitigate possible losses.

Reduction in business revenues - If your revenues are down because of the COVID-19 crisis, please call your agent or broker and they can help you update your policy. We will review the request with you and provide guidance on an option that is best suited to your situation.

Temporary Home Office

If you are working from home more often due to COVID-19, we will not consider this as business use and will not impact your home insurance. There is no action required on your part.

You may also want to read our FAQs below, which cover the most common questions from our Members. Please do not hesitate to contact us with any questions or concerns. We are here to support you through this challenging time.
 How will this affect our service?

Middlesex Mutual’s workforce is equipped to minimize service disruptions caused by localized outbreaks.

We take pride in the excellent service we deliver and will work hard to mitigate any inconvenience this may cause you. While you will not be meeting our agents, broker partners, claims adjusters and other staff in our normal places of business, we will continue to be just a phone call or email away from responding to your policy enquiries and claims needs.

 How will we respond to a claims incident?

Education is key, and we are keeping our staff updated regarding COVID-19, including what actions to take to stay well and ensure the wellness of those around them.

During office hours you can continue to contact your agent or broker or call us directly to report your claim at 519-666-0075. For after-hours claims, our Claims Adjuster, Emilly Girodat is available by cell phone at 519-860-0750.

If one of our claims adjusters needs to attend your home they will determine through discussion with you what steps to take to ensure the safety and well-being of all concerned is considered.

What is Middlesex Mutual doing to support our communities during this time?

Since the beginning of the pandemic, Middlesex Mutual has donated $112,500 to various local initiatives in support of mental health, food banks, homelessness, seniors, and youth. Please visit our Community Spirit Pledge page for full details.

Take care and stay healthy,

Christina Gummerson
Interim President & CEO