Todd Steele, Agent - L&A Mutual Insurance Company

Todd Steele, Agent - L&A Mutual Insurance Company Licensed Insurance Agent specializing in Property, Auto, Farm and Small Commercial policies.

Life changes fast — and your insurance coverage should keep up.Whether you’ve renovated your home, purchased a new vehic...
05/27/2026

Life changes fast — and your insurance coverage should keep up.

Whether you’ve renovated your home, purchased a new vehicle, added drivers to your policy, or simply haven’t reviewed your coverage in a few years, now is a great time to make sure your home and auto insurance still meets your needs.

A policy review can help identify gaps in coverage, ensure your limits are up to date, and potentially uncover savings opportunities.

If you’d like to review your current policies or have questions about your coverage, I’d be happy to help.

Do you own a farm or utility tractor? Did you make your insurance company aware? There are liability exposures with th...
05/07/2026

Do you own a farm or utility tractor? Did you make your insurance company aware? There are liability exposures with the ownership of tractors that you may be open to. And you may want physical damage coverage on this asset. It's always a good time to review your policy with your agent or broker.

Is it that time of year? Let's hope so.
05/04/2026

Is it that time of year? Let's hope so.

Getting insurance locally offers a level of personalized service and community connection that is often overlooked in to...
04/06/2026

Getting insurance locally offers a level of personalized service and community connection that is often overlooked in today’s digital-first world. When you work with a local insurance provider, you’re not just purchasing a policy—you’re building a relationship with someone who understands the specific risks, needs, and lifestyle of your area.

Another major advantage is accessibility. When questions arise or you need to make a claim, having a local contact makes the process faster and more straightforward. You can speak directly with someone who knows you, rather than navigating call centers or automated systems. In times of stress—like after an accident or property damage—this personal support can make a significant difference.

2026 marks 150 years of insuring our neighbours. Stay tuned for news about our celebration event coming this summer!
03/24/2026

2026 marks 150 years of insuring our neighbours. Stay tuned for news about our celebration event coming this summer!

Have you experienced the Mutual difference? Local people, looking after neighbours.
03/16/2026

Have you experienced the Mutual difference? Local people, looking after neighbours.

All members of the company are invited.
03/02/2026

All members of the company are invited.

Many consumers think the most important numbers on an insurance policy are the monthly payments. Respectfully, I disagr...
02/24/2026

Many consumers think the most important numbers on an insurance policy are the monthly payments. Respectfully, I disagree. While your annual premium should be a factor, the most important numbers on your policy are limits. How much is your home insured for? What is the limit for business interruption insurance on your commercial policy? What is the maximum amount available for a rental vehicle should your vehicle be in an accident? These limits form part of your policy, and it is vitally important for you to be aware of and satisfied with. When your insurance documents arrive in your inbox or mail, REVIEW them in detail, and ask questions. In the spirit of customer service, I am happy to review your policies anytime over a coffee with zero obligation.

As always, I'm available for anything urgent. If you can stay home, please do so. If you have to be out, drive safe. ...
01/26/2026

As always, I'm available for anything urgent. If you can stay home, please do so. If you have to be out, drive safe. Today is a great day to pay it forward - check in on your neighbour.

With Christmas just around the corner, I wanted to take a moment to offer my sincere thanks to my clients and friends fo...
12/19/2025

With Christmas just around the corner, I wanted to take a moment to offer my sincere thanks to my clients and friends for their support this past year. It is indeed an honour to work with you all and I appreciate the phone calls and emails and one on one conversations we have throughout the year. It is not lost on me that there are other options out there for purchasing insurance. I'm humbled, and equally as honoured you choose L&A Mutual Insurance Co. It is truly a great privilege to provide you with timely and honest customer service. From my household to yours, Merry Christmas and best wishes for a safe holiday season.

Address

76 East Street
Napanee, ON
K733M3

Opening Hours

Monday 8:30am - 4pm
Tuesday 8:30am - 4pm
Wednesday 8:30am - 4pm
Thursday 8:30am - 4pm
Friday 8am - 4pm

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