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About Trillium Mutual

About Trillium Mutual

Trillium Mutual Insurance Company has three anniversaries: January 1, February 29, and May 22.

“How could this be?” you may ask. These three dates are equal in importance and in each case represent the formation of an Ontario Corporation. On January 1, 2004, Trillium Mutual was created with the amalgamation of Formosa Mutual Insurance Company (founded May 22, 1880) and Elma Mutual Insurance Company (founded February 29, 1884).

The dynamic of this evolution is an organization that recognizes the value of balance between the past, the present, and the future. The Board of Directors is dedicated to visionary leadership and sound corporate governance. Our employees are dedicated to professional and personal development; they support the corporate appetite to always be compliant with regulations and the best practices.

The past is storied and sound; the present is about planning for the future; the future will be better because Trillium turns threats and challenges into opportunities.


Trillium Mutual Insurance Company is currently governed by a Board of Directors of six. The Board meets monthly or more often as required. Each year two Board members are elected for a three year term at the company’s Annual Meeting.

The company’s Annual Meeting is held in March and a Chair and Vice-Chair are selected from the Board of Directors. These offices are filled by election each year. The Board of Directors reviews the company’s operation on a monthly basis. They employ the President & CEO who is responsible for the day-to-day operations of the company and putting the actions given by the Board of Directors into place.  The full duties of the Directors are described here.


Ross Lamont

Ross Lamont joined the Trillium Mutual Board in 2013. He was raised on a mixed farm in Saugeen Township.  Lamont retired from Bruce Power after a 33 year career  including the last 10 years as the Manager of Community and Government Relations.  Ross received a B.A. in Economics and an M.A. in Leadership from the University of Guelph and has also completed the Institute of Corporate Directors Designation (ICD.D) through the Rotman School of Management.  Ross has been an active member in his community and has served on various local, provincial and national boards and associations. He and his wife Nancy reside in Port Elgin. They have two adult children and three grandchildren.

Ross Stone
Vice Chair

Ross joined the Board of Directors in 2007. He is a graduate of the University of Guelph, Ontario Agricultural College. He has broad knowledge and experience in agriculture and agri-business, in the specific areas of supply and service. He is the Managing Partner of Perth Ag Partners located in East Perth. Ross and his family reside on the Stone homestead in East Perth.

Ben Rier

Ben joined the Board of Directors in 2009.  Ben was born and raised on a farm in the Elmwood area and currently resides with his wife and family in the town of Tara.  Ben received his Bachelor of Commerce from McMaster University in 1986.  He spent 10 years with Elanco Animal Health in Sales and Marketing assignments in both Canada and the United States.  In 1997, Ben purchased an agricultural sales and service business in Tara. Currently, Ben is part owner of Partner Ag Services who provide equipment and services to dairy, pork and beef producers.  He is a Past President and currently an active member of the Tara Rotary Club.  Ben is also a past member of Canada East Equipment Dealers Board of Directors. His interests include agriculture, harness racing and business management.

Ken Schaus

Ken joined the Board of Directors in early 2010. He is a partner in the Schaus Group of Companies which farms and raises beef cattle, and is a family run business.   Ken has been in the business for 25 years. Ken and his wife reside in South Bruce and is a lifelong resident of Bruce County.

Julie Garner

Julie joined the Board of Directors in 2016.  She is a graduate from Wilfrid Laurier University (B.A. in Political Science and M.A. in Arts).  For the majority of her early career, Julie worked for the Government of Ontario in various senior positions in the Ministries of Agriculture and Food, Labour, Energy and Infrastructure.  Currently Julie is a Principal with Earnscliffe Strategy Group in Toronto.  In this role she provides strategic advice and government advocacy support to a broad range of clients.  Julie is active in her home community of Waterloo where she lives with her husband and three daughters.

Cong-Rong Xie

Cong-Rong joined the Board of Directors in 2017. She earned a Master of Applied Science degree from Systems Design Engineering at the University of Waterloo. Cong-Rong spent 23 years working in the P&C industry and held various leadership positions of program and technology management supporting new product development, new distribution channels and improving IT delivery agility. She now holds the position of Vice President of Technology with the Great West Life Assurance Company. Cong-Rong lives in Waterloo with her husband and two adult daughters. She actively supports local community and is a Board member of the Kitchener-Waterloo Counselling Services.

Joe Dietrich

Joe Dietrich C.I.P.
President & CEO

Joe joined one of Trillium Mutual’s legacy companies, Formosa Mutual Insurance Company in 1982.

In his present position, President and CEO, he is responsible for the overall organizational performance and is accountable to the Board of Directors.  His primary responsibilities include the oversight of strategic planning; corporate governance; political advocacy and community and industry relations.

Joe graduated from Centralia College of Agricultural Technology in 1979 and after a brief career in the banking industry; he joined the company in 1982.  He earned his Chartered Insurance Professional designation with the Insurance Institute of Canada in 1987. During his tenure with the company he has served in a number of underwriting and leadership positions.  Joe became CEO of Formosa Mutual in 1996 and was appointed the inaugural President and CEO of Trillium Mutual Insurance Company in 2004.

Joe has served on a number of industry committees within the industry.  He has also served on the Board of Directors of the Canadian Association of Mutual Insurance Companies and was the Chair of the Board in 2007-2008.  He is currently a Board member of The Fire Mutuals Guarantee Fund and the National Association of Mutual Insurance Companies, the largest property and casualty insurance trade association in North America.

Joe and his wife Monica reside in Walkerton, Ontario.

Mike Virley

Mike Virley F.C.I.P., C.L.A.
Vice President of Member Services

Mike joined Trillium Mutual Insurance in December 2011.  In his present position as Vice President of Member Services, Mike is accountable for service delivery to Trillium Members through Underwriting, Claims, Risk, Legal, Branding and Broker Partnerships.

Mike graduated from Conestoga College with a Diploma in Law and Security Administration in 1985 having begun his insurance career with Gore Mutual Insurance as a loss adjuster in 1984.

In 1986 Mike moved to North Waterloo Farmers’ Mutual as a loss adjuster and attained his Chartered Insurance Professional designation in 1987.  In 1988 Mike joined a boutique independent adjusting firm eventually becoming a partner/proprietor of Gray, McHugh, Virley Insurance Adjusters Inc.  In 1991 Mike attained his Fellow Charted Insurance Professional designation as well as earned a Diploma in Business Administration from Wilfrid Laurier University.

In 1994 Gray, McHugh, Virley Insurance Adjusters Inc. was purchased by what is now Crawford and Company (Canada) Inc.  In 2004 Mike earned his Chartered Loss Adjuster designation with the Canadian Independent Adjusters Association.

Previously in his career Mike has held the Certified Fire and Explosion Investigator, Certified Fire and Explosion Investigator Instructor and Certified Fraud Examiner designations.

Mike’s most recent position with Crawford prior to joining Trillium Mutual Insurance Company was as Manager of four Branch Claims Services offices in South Western Ontario as well as an Executive General Adjuster with Crawford’s Global Technical Services Division.

Mike and his wife live in a rural setting outside Moorefield, Ontario.

Tracy MacDonald

Tracy MacDonald, B.A., F.C.I.P.
Vice President of Corporate Services

Tracy joined Trillium Mutual Insurance in January 2015 as Vice President of Corporate Services.  In this capacity, Tracy is accountable for the financial strategy, overall planning, coordination and continuous development of Trillium Mutual Insurance.  This includes the Finance, Enterprise Risk, Central Administration, Business Information Technology, Big Data, Reporting and Innovation activities.

Tracy graduated from the University of Guelph with a Bachelor of Arts degree in Economics in 1993.  Following graduation, she started her insurance career at Formosa Mutual Insurance as a multi lines claims adjuster.  While a claims adjuster, she attained her Chartered Insurance Professional designation in 1994 and her Fellow Chartered Insurance Professional designation in 1996.  From 1997-1999 she served as Claims Manager at Formosa Mutual.

In 1999, Tracy joined Economical Insurance and held a number of leadership and management positions in claims between 1999 and 2012.  Tracy held the position of regional claims manager for all lines of claims across five Economical branch locations in Ontario.  From 2012-2013, Tracy led operations for the national commercial property Express team.  During this period, Tracy attended Queens School of Business obtaining an Advanced Executive Certificate in General Management.

From 2013-2015, prior to joining Trillium, Tracy worked in the Economical Insurance legal department as part of a multi-functional team responsible for the strategic planning of major corporate initiatives.

Tracy and her husband live in Waterloo with their two daughters.

Pam Murray, C.H.R.L., G.I.E.
Director Of Human Resources

Pam joined Trillium Mutual Insurance Company in 2008.   In her present position of Director of Human Resources, Pam’s responsibilities include the overall leadership of the Human Resources strategy including areas of: employee relations, recruitment/selection, salary/benefit administration, education and training, organizational development performance review, legislated employment issues, and occupational health and safety.  Pam is a seasoned HR Professional with 20+ years of experience. Prior to joining Trillium, Pam held leadership positions both in the private and public sectors.  Pam earned her Human Resources Certificate from Conestoga College in 1998. In 2005, she attained her designation as a Certified Human Resources Leader and has completed the General Insurance Essential Program through the Insurance Institute of Canada.

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