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Article content The year 2020 witnessed Canadians helping their neighbours cope with COVID-19 pandemic difficulties. Similarly, 136 years ago, Caradoc Township farmers helped each other with the high cost of fire insurance in rural Ontario. In the spring of 1884, 100 Caradoc farmers became the founding subscribing members of Caradoc Farmers’ Mutual Fire Insurance Company. The company was organized and managed by local farmers for the sole purpose of joining with their farming neighbours to provide fire insurance protection at cost, with no company shareholders. The local insurance company is still operating successfully today. But the early years were challenging. The company could only insure farm buildings, country churches and school houses in Caradoc and Delaware townships. ....