Insurance from the
people next door.
Direct coverage from Bay of Quinte Mutual, no broker, no middleman. Just neighbours protecting homes, farms, and businesses across eastern Ontario for more than 150 years.
The difference is who picks up the phone.
When you call us, you reach a person who knows the rules, knows the area, and can act on your file. No queues. No transfers. No middle layer.
Local & personal service
Your file lives with our team in Picton. Quotes, changes, and questions go to people you can drop in on.
Comprehensive coverage
Home, farm, and commercial, packaged and tailored. From cottages to wineries to working farms.
150+ years of trust
A mutual since 1874. We answer to policyholders, not shareholders. Service first, always.
What we cover.
Home
Houses, cottages, condos, tenants, and everything you keep inside them.
- Homeowners & seasonal
- Tenants & condos
- Sewer backup, lock replacement
Farm
Working farms across eastern Ontario, buildings, livestock, machinery, and income.
- Farm buildings & Agri-Pak
- Livestock, produce, equipment
- Loss of income & farm liability
Commercial
Office, retail, contractors, B&Bs, wineries, packaged or tailored to your operation.
- Building, contents, business income
- Crime, equipment breakdown
- Custom packages available
Meet the people who’ll know your file.
The Policy Service Department is a small, dedicated team based on the Loyalist Parkway. We sell BOQM products direct to customers, quotes, renewals, policy changes, and claims support, all from one office.
Stop in for a coffee. We’re open Monday to Friday and we know the area you live in.
More about usFrom first call to coverage in four steps.
Call or write
Tell us what you need to protect. We'll ask the right questions.
We build the quote
Tailored to your home, farm, or business. Plain English, no surprises.
Review together
Walk through your coverage with us. Adjust what doesn't fit.
You're covered
Same team handles renewals, changes, and claims. Forever.
Ready to get protected?
Two ways to start: pick up the phone, or send us a few details and we'll come back to you.