The continued spread of Coronavirus (COVID-19) locally, nationally and around the world has understandably raised concerns for all of us. Trillium Mutual is here to help you navigate these uncertain times by continuing to protect you, while keeping everyone safe. Effective immediately and until further notice, we are making the following changes to our day to day operations as we continue to monitor the situation closely. We will continue provide our members and brokers assistance during these difficult times as we look to the future.



We are all adjusting to fast changing circumstances due to the impact of COVID-19. In order to be able to continue to be open for business, Trillium made the decision to transition our team to work remotely, keeping our staff accessible to provide the highest level of customer care directly and through our Brokers.

  • Our office is currently closed to the public and all visitors. Even though our doors are closed we are completely remote enabled which means 98% of our staff are working from home ready to keep you protected
  • Trillium’s Risk Inspectors have postponed all risk inspections until further notice and all Claims Adjusters have suspended non-critical face-to-face meetings with members



We recognize that this time has created many financial challenges for people across Ontario. We want to make sure that we are working with you, our members, and our broker partners to alleviate some of that stress. Please contact your broker if you need to look into our payment options if you have been financially impacted by COVID-19.

Payments are available over the phone and on our website here.



We are proud to announce that we have launched a new online tool with Crawford & Company’s WeGoLook for contactless or ‘virtual’ claims submission and processing. We are committed to being there for you during the toughest of times and this new technology will allow us, if you need to make a claim, to get you safely back on track.

Claims payments can be made using EFT (Electronic Fund Transfers) and at this time we are recommending this method of payment



Your renewal premium may have increased and we would like to be transparent and outline the facts, including how we are responding during these challenging times.

Although your renewal premium may show an increase in 2020, we assure you that this is not, in any way, related to the COVID-19 situation. Increasing rates is a difficult decision no matter the circumstance and we understand that your personal circumstances may have changed dramatically. As a mutual insurance company, we are responsible to you, our Owners and Members, and not to external shareholders. Our aim is to consistently provide a level of coverage that is stable and sustainable; not to maximize profits.

The property insurance industry has seen major changes over the course of the last few years and as a mutual insurance company, we are no exception. Unfortunately, over the past years, we have experienced higher average claims costs and an increase in the frequency of losses leading to year over year net losses. Our financials are available here.



Property damage caused by water escape and/or flooding is an increasing concern for many Canadian homeowners. Climate change, aging infrastructure, less green space in urban areas, and a lack of household mitigation measures results in millions of dollars of insurance losses each year. The average repair cost of a flooded basement is $43,000 (IBC, 2018).

As we get more data including flood mapping, the risk associated with most policies changes. Many insurance providers have moved from the traditional philosophy (the premiums of the many pay for the losses of the few) to a risk based pricing model.

In 2017, Trillium introduced Water Protection Coverage by adding sudden and accidental flooding. In order for us to continue to offer this product, the rating on our overland flood coverage has changed.

Your policy renewal documents will contain full details. The Water Protection Coverage is an optional coverage. Please speak to your Broker regarding your options.

Reviewing your coverage with your Broker is a great practice and may reduce your insurance premiums to better reflect your current circumstance.



Should you have any questions or concerns regarding your insurance coverage we would encourage you to reach out to your broker directly. They will be able to help you navigate and understand your policy to determine the right level of coverage for you. If for any reason you can not get in touch with your broker our staff are ready to take your calls and help you with any requests and answer your questions during these difficult times.



Your Broker and our Team at Trillium are here to support you. We are available to respond to your requests including providing personalized guidance on changing risk dynamics and coverages as well as payment deferrals in order to relieve some of the stress of the current environment.

For over 135 years Trillium Mutual has been dedicated to protecting you, our Members, through the most difficult of times. Our incredible team of broker partners and staff are working non-stop to keep you protected as we move forward into the future. As the current pandemic continues to change our current environment we will update this page with more information as needed.

Stay Safe and Take Care.