Business Details
Your Trusted Island Insurance Partner
Since 1885, P.E.I. Mutual has been dedicated to protecting Islanders through locally tailored insurance solutions. As a mutual company wholly owned by our policyholders, we prioritize reinvesting profits to enhance service quality, offer competitive rates, and provide annual rebates to our members. Our decision-making remains rooted on Prince Edward Island, ensuring every policy reflects the unique needs of our community. With a network of local agents across the Island, we deliver personalized advice and rapid response times informed by intimate knowledge of regional risks. Our Board of Directors, composed of Islanders from diverse backgrounds, ensures governance remains focused on policyholder interests and community stewardship. Through decades of service, we've built a reputation for combining financial stability with neighborly care, supporting local initiatives from youth sports to cultural festivals.Our commitment extends beyond insurance through educational resources on property safety, disaster preparedness, and risk mitigation tailored to Island living. As both your insurer and fellow community members, we measure success not just through claims handled but through the strength of the communities we serve. This dual focus on protection and partnership has maintained our position as PEI's trusted insurance provider for over 135 years. By remaining locally owned and operated, we ensure every decision made aligns with the best interests of our policyholder-owners and the Island way of life.
Services
Home Insurance
Farm Insurance
Fishing Insurance
Commercial Insurance
Highlights and features
- We're the only locally owned and operated insurance company on PEI
- Our mutual structure returns profits directly to policyholder-owners as rebates
- Island-based agents provide personalized advice with local risk knowledge
- Community investment through sponsorships and local initiatives since 1885
- Board of Directors ensures Island perspectives guide company decisions
Services
Home Insurance
Protect your primary residence or seasonal property with comprehensive home insurance tailored to Island living. Our policies cover property damage, personal belongings, and liability protection while accommodating unique PEI needs like cottage closures and seasonal variations. With local claims processing and Island-specific risk assessment, we ensure coverage that understands coastal conditions, agricultural elements, and community-specific considerations.
Farm Insurance
Safeguard your farming operations with specialized coverage for farm buildings, equipment, livestock, and crop-related risks. Designed for PEI's agricultural landscape, our policies address machinery protection, barn structures, and liability concerns specific to Island farms. We combine industry expertise with local knowledge to create customized solutions that protect both traditional and modern farming enterprises across the province.
Fishing Insurance
Secure comprehensive protection for commercial fishing operations including boat, gear, and onshore facility coverage. Our policies address PEI's unique maritime environment with protection for lobster boats, fishing vessels, processing facilities, and equipment storage. We understand the seasonal nature of Island fishing and provide flexible terms that accommodate fluctuating operational needs while maintaining essential liability protections.
Commercial Insurance
Protect Island businesses with tailored commercial insurance covering property damage, liability, and operational risks. Our policies serve diverse sectors including retail, hospitality, and service industries across PEI. We offer customizable coverage for buildings, inventory, equipment, and business interruption that reflects local economic conditions and regulatory requirements specific to Prince Edward Island.
Questions
What types of insurance does PEI Mutual offer?
We provide home, farm, fishing, and commercial insurance policies specifically designed for Prince Edward Island residents and businesses.
How is PEI Mutual different from other insurers?
As a mutual company owned by policyholders, we reinvest profits locally through rebates, community support, and Island-based decision making.
Do you have agents across Prince Edward Island?
Yes, we maintain a network of local agents throughout PEI who understand regional risks and community-specific insurance needs.
How do I file a claim?
Report claims through our website or contact our Summerside office directly during business hours for prompt local processing.
What community initiatives do you support?
We sponsor Island festivals, youth programs, and cultural events while supporting disaster preparedness and agricultural safety initiatives.
How are policy rates determined?
Rates reflect PEI-specific risks, policyholder rebates, and our mutual structure that prioritizes community benefit over external shareholder returns.
Reviews (4)
David Archibald
Nov 19, 2021
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Very helpful even though I was not a client. Definitely will deal with them when I am in need of insurance.
Karly Krompocker
Jan 11, 2021
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It is next to impossible to get a hold of anyone. I've been waiting to hear back from them since September, and despite leaving a dozen messages, have still not received anything. They tell me "I'll call you back in 10 minutes" but then a week later they still haven't and I'm back on the phone trying to reach them for another month.
AGslimeChanne L.
Sep 25, 2020
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The worst to get ahold of unless they want something. They send contract changes after the yearly renewal is completed.. Controling and most likley the gov has a hand in them.
Ian Smith
Jul 24, 2020
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I had a claim last september, just after annual renewal, from Dorian. I realize they were very busy and as a result extremely difficult to contact. I eventually had a return call From Blair Campbell, the general manager. I complained to him as the manager as to how claims were being handled and suggested he should take responsibility. I ended up offending him and the conversation ended. Now 10 months later my policy is not being renewed , as directed by Blair Campbell. My agent Bruce Simpson was not much help, as could be expected. He said he is an employee and I offended a manager during the claim
