Insurance Company Switches from Ontario to Quebec Laws

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At second reading in the Senate

S-1001
June 3, 2025 (a month ago)
Canadian Federal
First reading
0 Votes
Full Title: An Act to authorize Gore Mutual Insurance Company to apply to be continued as a body corporate under the laws of the Province of Quebec

Summary

This bill allows Gore Mutual Insurance Company, originally incorporated under Canadian laws, to become a corporation governed by Quebec laws. Currently, the company is based in Ontario. The bill has received approval from the company's policyholders and is supported by federal law. Once it becomes a Quebec corporation, it will no longer be governed by the federal Insurance Companies Act. Specific earlier laws that incorporated or related to the company will be repealed after the transition.

What it means for you

If you are a policyholder or someone interested in the company, this change might not directly affect your insurance policies immediately. However, if you live in Quebec or do business there, the company's rules and regulations may change to follow Quebec laws. This might influence how claims are handled or how the company operates in Quebec. The change could also impact the company's future decisions, product offerings, or customer service in Quebec. The transition could also affect the company's tax payments and legal obligations within Quebec, but no specific details are provided on these effects. Data unavailable

Expenses

No publicly available information.

Proponents' View

Supporters say that allowing Gore Mutual Insurance Company to change its laws to Quebec standards can help the company better serve customers in Quebec. They argue it can streamline its operations by following a single set of provincial laws. Supporters believe that this change is legally authorized, respects the company's history and voters' approval, and benefits consumers by maintaining or enhancing services. Data unavailable

Opponents' View

Opponents might worry that changing to Quebec law could lead to new rules that are less familiar or less experienced with Ontario/Canadian federal standards. They could be concerned about potential legal or financial uncertainties during the transition. Opponents may also question whether this change benefits policyholders or local consumers or favors the company’s interests. However, no specific opposition statements are provided in the bill. Data unavailable

Original Bill