Caradoc Townsend Mutual Insurance

Caradoc Townsend Mutual Insurance (CTM) has been protecting Ontario’s South Coast since 1879. As a policyholder-owned mutual, we put our members first - offering reliable coverage for farms, homes, businesses, and vehicles.

Rooted in community, we support local agriculture, small businesses, and organizations that make our region thrive. With offices in Waterford and Komoka, we’re your local insurance partner - built to serve, here to stay.