Group Benefits

HRC is proud to understand and provide for home, small and large businesses in Muskoka. Our knowledge and experience in the area allows us to offer flexible services catering to all types of businesses.

The HRC Advantage

HRC gets you the best value when it comes to your group benefits and contingency plans. Advantages include:

  • Unparallel customer service
  • Flexibility towards creating custom policies
  • Group benefits for groups of one or more


Why not take a different approach to group benefits. HRC offers SelectFlex, a new solution to group benefits. Rather than a generic plan that each business must adapt to, SelectFlex allows you to create a plan that suits your unique business structure. Calculate your rates here.

Contact us today to learn more about how HRC can help your business. 


Since the 1900's...

Born under the name George Hutcheson, Hutcheson, Reynolds & Caswell Ltd. began providing insurance policies in Muskoka since the early 1900s. Bernard Reynolds joined the firm in the 1940s and purchased the firm from George Hutcheson in 1967. Finally, in 1980, David Caswell joined the company's ranks to complete Hutcheson, Reynolds and Caswell. We have grown along with our name and provide the same dedication to superior customer service and top-notch insurance coverage that George Hutcheson was famous for over 100 years ago.