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Halwell Dumfries Mutual is a policyholder‑owned, financially secure, community‑based Property & Casualty insurer; one of a group of Mutual companies forming a strong partnership across the province. We have been insuring the assets of rural and urban policyholders in Guelph and the Tri‑Cities through a dedicated network of independent brokers and exclusive agents for more than 160 years, with a Gross Written Premium base of over $70 million.