About Us


To be the leading Mutual dedicated to fulfilling our promise with a personal approach.


Providing tailored insurance solutions through exemplary customer experience -building on our legacy of protecting agribusiness and communities.


  • Integrity – Our strong moral principles are demonstrated by our commitment to honesty and fairness in all our interactions.
  • Diversity and Inclusion – We recognize and appreciate diversity and value the contributions of all by fostering an inclusive environment.
  • Accountability – We deliver on our promises and assume ownership of our actions.
  • Community & Environment – We contribute positively to improve the quality of life and the sustainability of our communities.
  • Progressive – We seize value opportunities and embrace change.
  • Customer Focus – We focus on providing the best customer experience and create outcomes that deliver long term value.

Meet the Team

Gordon Murray, FCIP

Vice President & Chief Operating Officer, Maritimes Operations

Gordon joined the company in June of 2021 as Vice-President & Chief Operating Officer, Maritimes Operations. Gordon has an extensive background in the insurance industry dating back 40 years. His experience includes successively senior positions in Underwriting, Business Development and Leadership for Atlantic Canada, with 3 leading Canadian insurance companies. He also has a Fellow Chartered Insurance Professional Designation.

Karen McKay-Harding, CIP

Vice President Claims

Karen joined the Company in 1984 and holds the position of Vice President Claims. She has extensive adjusting and claims settlement experience in Commercial, Agriculture and Personal Insurance. Her role focuses on claims adjusting, service and management. Karen holds a Chartered Insurance Professional Designation and is a graduate of the Nova Scotia Community College with a diploma in Accounting. She served on the Insurance Institute of Nova Scotia Board 2004 - 2014 and served as the Insurance Institute of Nova Scotia President 2010 - 2012.

Heather Beck

New Minas Manager

Heather manages the Kings Mutual Insurance Sales Office located in New Minas, Nova Scotia. She has over 30 years of experience working with the Company. She has extensive personal and professional experience in the farming industry. Heather and her team specialize in Agricultural, Home and Auto insurance. She can be reached at (902) 681-0680.

Kara Whiston, CIP, CRM, MSc

Underwriting Team Leader

Kara is responsible for the leadership and strategic direction of the Underwriting Team while continuing to build upon our strong relationships with agents and brokers. Kara joined the Kings Mutual Underwriting team in April 2015 and was instrumental in the development of commercial products for our policyholders. Kara has her CIP Designation and earned the 2018 Top Graduate in Canada Award when she received her CRM Designation. She is also nearing completion of the Commercial Insurance Certificate and she holds a Master of Science Degree in Earth Sciences from Dalhousie University.

Our History


Est. 1904, The Kings Mutual Insurance Company is one of Canada’s oldest property and casualty insurance companies. Founded by six farmers, our company is rooted in agriculture and committed to fulfilling the needs of residential, commercial, and agricultural policyholders. To this day, a Kings Mutual policy provides its holder with ownership in the company and a say on the Board of Directors, as well as access to policyholder rebates.


Protecting you and your property is not only our top priority, it’s the foundation on which The Kings Mutual Insurance Company developed the Loss Prevention program in 1954. A service that empowers us with the ability to provide you with affordable insurance, while acting as a customized resource centre for helpful ways to keep yourself and your family safe. It’s a philosophy the company has been living ever since.


Stronger together, the Pictou County Farmers Mutual Fire Insurance Company amalgamated with The Kings Mutual Insurance Company in 2016, providing the combined policyholders with greater value and a wider range of affordable options. As both companies had been serving Nova Scotians since their inception, the blended history and community focused mandate made a combined effort both practical and organic.


The Kings Mutual Insurance Company amalgamated with Heartland Farm Mutual Inc. on August 1st, 2021. The merger is providing policyholders with economies of scale, geographical spread of risk, and stronger overall capital base. It will bring information technology improvements, enhanced product offerings and improved customer experiences to policyholders in Nova Scotia.