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What is Ayr Mutual Insurance?

Farmers across Ontario started a mutual insurance movement  over 130 years ago that Tradition Mutual Insurance is proud to be the product of servicing Ayr Ontario and the Township of North Dumfries. Tradition Mutual Insurance Company is proud to service a good portion of Ontario. We are part of a secure financial insurance network of 38 member insurance companies in OMIA (Ontario Mutual Insurance Association  Canada) that are independently owned. Backed by Farm Mutual Re (Reinsurance for Ontario mutuals) The Ontario mutuals provide peace of mind for thousands of home, farm and business owners alike. As an Ayr resident, let us do the same for you! Whether you are an Ayr homeowner, vehicle owner, farmer, landlord, tenant, condo owner, contractor or retail business, Ayr and North Dumfries residents face a variety of personal and commercial liability risks. In addition to lawsuits for third party injury or property damage, Ontario residents need physical damage for their homes, automobiles and business property. Give Kyle Wijnands at Tradition Mutual Insurance Company a call or click the icon to get a quote now and have him reach out to you later. 

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Common Ayr Insurance Packages

Young Family

Ayr Home Insurance Package

  • $2,00,000 personal liability on and off the premises

  • Guaranteed home rebuild 

  • Content insurance 

  • Flood, sewer and water line protection

  • Detached structure coverage 

  • Additional living expense insurance 

Farm 2

Ayr Farmers

Insurance Package

  • Farm liability 

  • Home insurance

  • Barn and farm building Insurance

  • Non-own auto liability 

  • Produce Coverage

  • Farm income insurance 

  • Farm Vehicle Insurance

  • Farm machinery and tractor insurance

  • Livestock Insurance

Car Keys

Ayr Auto

 Insurance Package

  • Auto $2,00,000 liability 

  • Accident benefits

  • Direct Compensation Property Damage 

  • Family protection coverage 

  • Own vehicle physical damage 

  • Accident forgiveness coverage 

  • Roadside assistance and rental vehicle coverage after accident

renovation contractor insurance at tradi

Ayr Contractor

Insurance Package

  • Contractor liability 

  • Non-own auto liability 

  • Contractor Tool floater Coverage

  • Contractor Income Coverage  

  • Contractor Crime Coverage 

  • Contractor Additional Agreements 

Moving In

Ayr Tenant

Insurance Package

  • Tenant $2,00,000 liability 

  • Personal Property Insurance 

  • Additional living expense protection

  • Flood and water backup coverage. 

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Other Ayr Mutual

Insurance Packages

Common Ayr Mutual  

Insurance Questions


Sarnia residents are concerned that their personal actions or business activities are covered by a liability insurance in the event of lawsuit. In addition to liability, a policy can provide physical damage coverage in the event of an insured peril damaging a building, personal property or vehicle. 

Tradition Mutual Insurance 

Company offers competitive insurance packages to fit your needs. 

Packages start at $220/year. Reach out to Kyle today to set up your Ayr Insurance policy. 


If you are an individual or business in the province of Ontario, you should get a comprehensive insurance policy that covers your personal and commercial risks against lawsuits arising from bodily injury or property damages arising from your negligence. An insurance policy also protects you from financial devastation if you personal or commercial property is affected by flooding, fire, wind, theft, vandalism and various other perils. 

Why Should Kyle Wijnands Service your ayr Insurance Policy? 

Same Day Service

 In most cases, people setting up a Ayr Insurance policy through Kyle can have coverage bound within 24 hours. 

Save up to 40% 

Many people in Ayr have been thrilled to have Kyle save them up to 40% on their Ayr insurance policies with Tradition Mutual Insurance.  s!

Expert Advice

As a valued client in Ayr, you won't be reaching a a call-centre. When you call Kyle at 519-393-3246, you are guaranteed to take advantage of years of industry experience and get personal service! 

Cheap ayr insurance is great but professional service from someone who drives and deal with clients where you live- That's the mutual difference. 

Kyle get’s it. As someone living in Ayr, you want cheap Ayr insurance. Prices everywhere are going up and why get gouged on your Ayr insurance policy as well? Tradition Mutual Insurance Company understands that it’s more than just getting cheap Sarnia insurance, it’s about getting someone servicing your Ayr insurance file that knows who you are each time you call and lives in your area or has connections near you. Kyle and his team at Tradition Mutual Insurance will be sure to be standing by when you call or email about policy questions or a commercial or personal insurance claim.

We get it- shopping for insurance in Ayr can be a pain. Our turnaround time is quick and thorough. Kyle and his team will review your existing Ayr insurance needs and make sure you have the right coverage that fits your unique situation. A one size fit's all approach doesn't work when setting up your Ayr insurance. Get a quick property or auto insurance quote today and let Kyle place you into an insurance policy that best suits your needs. 

Insurance Agent

ayr Liability Insurance 

Ayr Liability Insurance- This portion of a Ayr insurance policy protects you as a Ayr homeowner, farmer or business owner if you cause property damage or bodily injury to a third party. If a claim is triggered, your Ayr insurance policy will provide liability protection to cover your legal costs and monies owing in the event of a settlement. 


Crashed Car

The provincial government of Ontario requires that private passenger vehicles and commercial/business vehicles have mandatory automobile coverage. A breakdown of the automobile insurance coverage offered by Tradition Mutual Insurance is as follows:  

Third Party Vehicle Liability - This mandatory auto coverage protects you if you are responsible for a third party's injuries or property damage. Typical limits for this coverage are 1 million 2 million or 5 million. 

Direct Compensation Property Damage (DCPD) - This mandatory auto coverage protects your vehicle when you are partially at fault or 100% not at fault. This particular auto coverage allows you to deal with Tradition Mutual Insurance directly instead of suing the driver or going after the 3rd party insurance company to recover your damages.

Accident Benefits - In the event you or the occupants of your vehicle are injured this mandatory auto coverage protects you regardless of fault.  

Collision or Upset - This optional coverage provides you the coverage for your vehicle caused by impact with an object such as a tree or a third party vehicle. This coverage also applies if your vehicle flips over for any reason. 

Comprehensive - This optional coverage provides you the coverage for your vehicle caused by a loss other than collision or upset. Losses such as hail, vandalism, fire, theft, flood or even being dumped off a ferry to lighten the load in the event of a storm would be provided under this coverage.

All Perils - This optional coverage combines collision/upset and comprehensive and offers added protection for theft of your vehicle for any person in your household who has access to the vehicle.

Tradition's Added Protection - Tradition Mutual Insurance offers optional vehicle coverage such as vehicle replacement coverage called the OPCF20 which gives you commercial rental vehicle after an insured loss of your vehicle while it is being replaced or repaired. We also offer accident forgiveness coverage which guarantees that your commercial auto insurance premiums will not increase to your renewal as a result of your first chargeable at fault loss involving your business vehicle. This coverage can be added for each vehicle in your commercial fleet for each primary operator of each business vehicle. 


ayr Property Insurance 


As a Ayr resident whether you own, rent, or lease a building in Ayr, an insurance coverage is very important. The following is a brief overview of the types of physical damage coverage you should consider having a business owner. 

Building Insurance- If you own a building, our policies are designed to provide coverage for a variety of perils such as fire, smoke, wind, vandalism, etc. 


Content Insurance - This portion of a Ayr insurance policy protects your personal or commercial physical assets from perils such as fire, smoke, water damage, vandalism or theft. 

Commercial Insurance - This portion of a Ayr insurance policy protects you for actual money loss due to theft such as employee dishonesty under a commercial insurance policy. Coverage for business interruption coverage is available if you need to temporarily shut down your business or farm due to a claim, Tradition's business interruption insurance covers the income you have lost as a business during the time it takes to restore your operations back to what they would normally be. Commercial interruption insurance is essential to ensure that the bottom line of your business doesn't take a hit in the event of a insured loss. Furthermore, equipment breakdown insurance is part of a commercial insurance policy to provide coverage to repair or fix equipment that breaks down to mechanical or electrical malfunction.

Water Protection InsuranceSewer back-up and drain backup coverage is available under your Ayr insurance policy for your building and contents in the event of damage caused by the backing up or overflow of water from within sewers, sumps, septic tanks or drains. The coverage can also be extended for damage that fall into the peril of catastrophic flooding. 

Tradition Mutual Insurance offers Ayr farm insurance coverage for agriculture operations such as dairy farms, poultry farms, horse farms, hobby farms, hog farms, or cash crop operations that will cover your farm machinery, farm buildings, livestock, agriculture and computer hardware etc in the case of a loss. Farm insurance also offers business interruption insurance, coverage for spoilage of harvested crops caused by breakdown or power interruption, coverage for boiler and equipment breakdown, milk contamination and more. Farm liability insurance coverage protects farmers from lawsuits filed against them by a third party relating to negligence. What if someone was seriously injured or killed on your farm premises? Even though you may not be directly at fault, you would most likely face a huge lawsuit. Farm liability insurance provides coverage and peace of mind so that you know that you will be properly defended in the case of a lawsuit. What if an accidental fuel or chemical spill happened? Pollution liability insurance covers bodily injury, property damage and clean-up costs caused by pollution. Don't let an unexpected accident or lawsuit put the success of your farm in jeopardy. Get a free farm insurance quote today to ensure that you and your farm in Ayr is adequately covered!

Ayr is home to many businesses, such as shopkeepers, restaurants, office owners, plumbers, landlordselectricians, painters, cleaners, carpenters, HVAC contractors and  roofers who face risk of a lawsuit if even a small mistake or accident happens.

Ayr business insurance is a type of general liability, which offers business owners protection in the event that they get sued by a third party. If you are a business owner renting a building, working from home or going from worksite to worksite, you face a multitude of risks every day. It is not uncommon for a client to turn their back and sue a business owner. A small amount of negligence could cause serious bodily injury or property damage. In the event of a lawsuit or loss, having business insurance could mean the difference between bankruptcy or remaining in business. What if a customer tripped over a piece of your equipment while you were completing a job on their business or home premises and broke a hip or arm? They would probably file a lawsuit against your company. Even if you weren't necessarily at fault, their lawyer could still try to hold you negligent for job site accidents. With that being said, ensure that your Ayr business is properly covered and get a fast, easy quote from Tradition Mutual Insurance Company for business insurance today!

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Dairy Farmer

ayr Business Insurance 

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Google Verified Insurance Reviews

John Brookshaw

"We have been with Tradition Mutual Insurance for 60 plus years Kyle is one of the BEST agents we have ever had Full marks on everything!"

Corey H.

"Kyle was very professional and easy to talk to. He explained everything in full detail taking the time to go the extra mile and find me an even better deal. Definitely recommend!"

Jeff Moore

"Kyle is one of the nicest guys I have ever dealt with. Kind, courteous and willing to go that extra mile. If I could, I would give him a 6 out of 5 stars. Kyle is worth changing your insurance company."

COMMON ayr insurance Questions

How Long Will it Take to Get Ayr Insurance?

Before you’re able to get Ayr insurance for your Ayr home, vehicle, farm or business, I will first need to qualify that you fit into our underwriting criteria. After you complete your request for a quote, I will call you to collect details concerning your insurance history, policy risk details and if your insurance needs falls into one of our extensive Ayr insurance packages, I could have coverage bound for you in as quickly as 30 minutes. 



Why Do I Need Ayr Insurance?

There are a variety of practical reasons why a Ayr resident needs an insurance policy. First of all, a commercial general policy covers the costs that can arise from property damage, liability lawsuits and defense costs in the event of an insured loss. Here are some additional reasons why Tradition Mutual Insurance often provides insurance for Ontario residents. 

  • Ayr Insurance and a mortgage- If you home is financed, your bank will require that you have proof of insurance to satisfy their legal request to prove that their financial interest in your asset is secured.

  • Ayr Insurance and a leinholder or lessor- If you personal or commercial vehicle is financed, the financing company will require that you have proof of insurance to satisfy their legal request to prove that physical damage on your automobile is secured.

  • Ayr Insurance and a Landlord- If you rent from a residential landlord, the landlord may require that you have proof of tenant insurance to ensure you have personal liability to ensure that any physical damage you cause to the building would be covered.

  • Ayr Insurance and a commercial lease- Many business owners rent or lease an office, showroom, shop or store. In such cases, the commercial landlord offering the lease typically will require that you have commercial general liability insurance (CGL.) This type of coverage protects your business against allegations of personal injury or property damage to a third party for which your business is found legally responsible. The business offering the lease wants to ensure you have coverage to ensure they are not drawn into a lawsuit.  

  • Ayr Insurance and Tradeshows - Insurance is an important factor in networking and advertising your services or products. Many tradeshows, convention centres, farmer’s markets, job fairs and company gathering venues will request that a business provide proof of insurance for a certain minimum amount of coverage (typically a 2 million CGL policy limit or proof of tenant legal liability) before being permitted to have access to the event or location.

  • Ayr Insurance and an automobile- The Ontario government that all owners of a vehicle that is operated on a public road must have minimum auto insurance requirements. 

  • Ayr Insurance and financed equipment- If commercial or farm equipment is being rented or leased, the financing company will likely require proof of insurance to cover their financial interest in the equipment. 

  • Ontario Customers Requesting Proof of Ayr Contractor Insurance- Ontario customers are becoming more and more savvy. Customers hear the horror stories through social media of a commercial business or contractor that offers a service or product that didn’t have commercial insurance and the consumer was left footing the cost for physical damage or bodily injury. A certificate of liability insurance can make your business much more credible to Ontario consumers and includes coverage/liability limits, insurance company name, policy number, effective/expiry dates. 



Can I Do without Ayr Insurance?

If you are not required by a landlord, bank, financing company municipality, city, consumer or another business to have a Ayr insurance policy, there are a few other questions that you should consider to make sure you are 100% confident that you don’t need insurance coverage.


  • Do I  have enough money or assets available to rebuild my home, farm or business if it should experience a catastrophic water, wind, fire or smoke claim.


  • Do I have enough money or assets available to defend and settle a liability lawsuit?


  • In the event of an insured loss, how many months can my farm or business go without business income while still meeting my financial obligations.




What is the Cost of Ayr Insurance?

As a Ayr resident, you want to make sure you can find the cheapest and best Ayr insurance option. Prioritizing costs is normal in this uncertain economic climate. There is now easy answer to this question. The type of policy will cause these costs to vary significantly.  Some of the following factors determine the cost of your Ayr insurance such as:

  • Risk details for a home or automobile such as age condition, updates etc. 

  • Specific water flood, water line and sewer/drain backup coverage options that are necessary 

  • Prior insurance history 

  • If you are claims free

  • Other policies bundled with Tradition Mutual Insurance Company 

  • Whether you are mortgage free

  • The deductible you chose



To get a free, no-obligation quote to determine the cost of your Ayr insurance, give Kyle Wijnands at Tradition Mutual Insurance a call at 519-393-3246 today.


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