Gore Mutual seeks continuation under Quebec law

Summary#

The Canada Gazette published a notice on March 15, 2025 that Gore Mutual Insurance Company, a mutual insurer incorporated under the Insurance Companies Act, intends to ask Parliament of Canada for a private Act to let it continue as a corporation under the laws of the Province of Quebec. The notice says the company will apply in the current session of Parliament or in one of the next two sessions.

What it does#

• States that Gore Mutual Insurance Company will apply to Parliament of Canada for a private Act to continue under the laws of the Province of Quebec.
• Notes the company is currently incorporated under the Insurance Companies Act and has its principal place of business in the City of Cambridge, Province of Ontario.
• Says the application may be made in the present parliamentary session or in either of the next two sessions.

Who's affected#

• Customers and policyholders of Gore Mutual Insurance Company.
• Employees, managers and local agents or brokers who work with the company.
• Regulators and government bodies at the federal level and in the Province of Quebec.
• Businesses and communities that rely on the company’s insurance services.
  If and how each group is affected is not spelled out in the notice.

Why it matters#

• If approved, the company would shift from being governed by the federal Insurance Companies Act to Quebec provincial law. That can change which rules and regulators apply to the company.
• For customers, the change could matter if corporate or regulatory differences lead to changes in how policies are handled, sold, or resolved — but the notice does not describe any immediate changes to policies or services.
• This is a notice of intent, not a final decision. The actual legal effect depends on the outcome of the private Act process in Parliament.