Skip to main content

Our Team

At V&T Insurance Inc., our experienced team simplifies insurance complexities, working closely with you to personalize the best insurance protection for what matters most in your life. Let’s connect and get acquainted.


Mikayla Verberne CIP, CRM


Meet Mikayla Verberne, one of the visionary founders of V&T Insurance. Mikayla’s roots run deep in the Watford/Alvinston area, where she grew up as a proud farm girl and continues to call home. Alongside her husband, Chad, and their four lively children, she actively participates in the community. Whether it’s cheering for her kids at the arena or coaching their sports teams, Mikayla is deeply engaged in local activities.

Mikayla’s journey into the insurance industry is a testament to her adaptability and determination. While Mikayla has been in the insurance industry since 2008, her association with Lambton Mutual commenced in 2010 during the IBS conversion, initially working in Underwriting before transitioning to Loss Prevention and then the Claims department.

Recognizing the importance of ongoing education, Mikayla has obtained her CIP (Chartered Insurance Professional) and CRM (Canadian Risk Management) designations and is currently pursuing her ACIP (Advanced Chartered Insurance Professional) designation. Her enthusiasm for education mirrors her unwavering commitment to delivering exceptional insurance services and impeccable customer service to clients in the surrounding communities. As a proud owner of V&T Insurance, she is dedicated to the vision of treating clients like good neighbours, exemplifying a strong commitment to the local community through community-focused and involved practices.

Jennifer Timmermans CIP


Meet Jennifer Timmermans, one of the visionary founders of V&T Insurance. She has spent her entire life in North Middlesex, currently residing near the Lambton County border with her husband, Darryl, and their two boys outside of Parkhill. In addition to cherishing family time, Jennifer is a devoted community volunteer. Since 2012, she has served on the TVCC board and actively contributes to the Client Advisory and Diversity, Equity, and Inclusion committees. Jennifer’s commitment extends to her role as an Owner Representative on the Lambton Kent Middlesex East committee for Libro Credit Union, highlighting her dedication to community engagement in the area she calls home.

Jennifer’s journey in the insurance industry is deeply rooted in her family’s legacy. With her mother and father-in-law both possessing extensive experience in rural insurance communities, Jennifer is following in their footsteps. She ventured into the insurance world back in 2015 and has been a part of the Ontario Mutuals since 2016. Now, she’s seizing the opportunity to forge her path alongside partner Mikayla by establishing V&T Insurance.

Jennifer proudly holds her CIP (Chartered Insurance Professional) designation, demonstrating her commitment to excellence in the field. She maintains a proactive approach to staying updated with industry advancements and insights by participating in webinars from organizations such as OMIA, Lambton Mutual, and the Insurance Institute. Jennifer’s passion lies in cultivating enduring relationships with her clients, always focusing on their unique insurance needs. Her dedication ensures that the service and coverage provided are not only personalized but also highly effective, reflecting her unwavering commitment to customer satisfaction.


Stronger Together.

In 2024, Jennifer and Mikayla embarked on a courageous journey, solidifying their business partnership and establishing V&T Insurance Inc., proudly representing Lambton Mutual Insurance. With over 22 years of combined knowledge in the insurance industry, we are excited to offer insurance solutions to clients in the Sarnia-Lambton and Middlesex counties. Our primary objective is to deliver the utmost value in coverage and service to all our customers, providing comprehensive solutions for automobile, residential, commercial, and agribusiness insurance needs. Our approach is built on trust, fostering enduring relationships as we provide personalized service and insurance solutions that grow with our policyholders through every stage of life.

As members of your community, we share the same roads, live as neighbours, shop in the same stores, and face similar driving conditions. We are not just insurance agents but also local families who secure insurance within the Sarnia-Lambton and Middlesex communities. We understand the pivotal moments in life, from buying your first car to owning a new home, as well as the challenges that come with downsizing for retirement or safeguarding your livelihood. Our commitment is to offer our customers the guidance, protection, and support necessary to navigate life’s uncertainties confidently. We firmly believe in neighbours helping neighbours, prioritizing people over profits. Our mission is to support our community, and we take pride in serving our neighbours with dedication and care.


Bonnie Ross


Bonnie has lived in the Watford/Warwick community her entire life. Her greatest joys are her two daughters, Andrea and Emma, with whom she enjoys spending time with. In 2004, she embarked on her insurance journey at Bebingh Insurance, where she swiftly rose to the role of Agent. Bonnie takes immense pride in providing exceptional, personalized service, whether it’s warmly welcoming customers by name at the office or offering expert assistance over the phone. She is committed to extending that same personal touch to the valued insured clients of V&T Insurance Inc.

Bonnie’s community spirit extends beyond her professional life; she is an active member of the Watford Legion Branch 172 and passionately volunteers, including serving as the co-chair of the Poppy Campaign. When she’s not busy with her community and work, Bonnie finds solace in the company of her dogs, indulging in the great outdoors, immersing herself in books, and going on leisurely walks.


Mary Jane Heater

Office Administrator

Mary Jane grew up in the Watford community, and still calls it home. She shares her life with her husband, Ian, and their two children, Darryl and Nikki, who have settled in Sarnia. Mary Jane’s journey in the insurance industry began in 1992 when she joined her father’s team at Bebingh Insurance. She continued her dedicated service when her brother, Rick, assumed ownership in 1999. Now, with 32 years of valuable experience in office administration within the insurance sector, Mary Jane is excited to contribute her expertise to V&T Insurance Inc.

Outside of her professional life, Mary Jane has a passion for travel and enjoys exploring new destinations. She finds tranquillity in leisurely walks and embracing the outdoors. Her love for family is evident in the time she spends with her children and her cherished dog, Aspyn.


To be a valued partner with our policyholders offering personalized service and tailored insurance solutions that grow with them. We dedicate ourselves to fostering lasting relationships and promoting prosperity for our policyholders and communities.


To be the most trusted and sought-after insurance agency in Lambton and Middlesex Counties.

Not sure where to start?

Reach out today, and our dedicated team will provide you with the guidance, assistance, and answers you need to make informed decisions about your insurance coverage.