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About Gore Mutual Insurance

Gore Mutual Insurance started in 1839 as the Gore District Mutual Fire Insurance Company in Upper Canada (Ontario). It is Canada's oldest property and casualty insurer, with more than $670 million in gross written premiums. Head office is located in Cambridge, Ontario, with offices in Toronto and Vancouver.

By the time Canadian Confederation occurred, Gore had more than 6,000 policies, having expanded to other parts of Ontario. The value of its insured properties around that time rose from $4,000,000 in 1880 to $15,670,000 in 1899.

By the mid-1930s, Gore Mutual Insurance moved west to Vancouver. In 1937, the company became federally incorporated, offering insurance for burglary, aviation, earthquake and tornado, and at its 100th birthday in 1939, started selling auto insurance.

By the late 1960s and early 1970s, Gore Mutual Insurance introduced computers to handle policy claims and grew to 300 employees. Today, that number is more than 500. In 2019, the company launched a ‘next horizon’ strategy, with the goal of transforming into a national insurer, and moved to incorporate more technology into its processes. It also refreshed its brand to better reflect this new direction.

If you’re curious to see how Gore Mutual stacks up against 50+ other insurers in the country, compare auto insurance quotes on InsuranceHotline.com.

Types of insurance offered by Gore Mutual

Gore Mutual offers a variety of personal and business insurance products. Here’s what they are:


Personal auto insurance

In addition to third-party liability, accident benefits, direct compensation property damage and uninsured motorist coverages, Gore Mutal offers a selection of auto insurance add-ons, including the following:


  • Specified perils. Coverage for specified perils such as hail, fire, lightening and theft.
  • Optional accident benefits. An increase in accident benefits beyond the standard policy.
  • Increased third-party legal liability. An increase in third-party liability coverage – up to $5 million.
  • Driving record protection. Maintains your driving record after your first at-fault claim.
  • Rental vehicle. This helps you pay for a rental car should you need one after an accident – up to a specified limit.
  • Depreciation deduction removal. If you have a brand-new vehicle, this coverage will remove its depreciation in the event of a total loss, within a defined period of time. That way, you can replace your vehicle with a like make and model without taking a loss.

Personal property insurance

Gore Mutual’s property insurance typically covers the following:


  • Buildings. Covers all your buildings, including your home, detached garage or gazebos.
  • Contents. Covers all contents the contents of your home, including furniture, clothing and housewares.
  • Additional living expenses. Covers additional expenses for temporary accommodations if you need to leave your home after a covered claim for safety reasons, or if you are under a mandatory evacuation order.
  • Personal liability. Covers legal liability should someone get harmed on your property, or if you damage someone else’s property.
  • Identity theft. If your documents or passports are stolen, and you become a victim of identity theft, Gore Mutual Insurance will cover the legal costs of restoring your rightful identity.
  • Condo. Protects condo owners. Things like personal belongings, identity theft, personal liability and additional expenses in case of evacuation are all be covered.
  • Tenants. Covers the cost of replacing the contents of a rental property, along with additional living expenses, identity theft and personal liability. This does not cover the cost of the property itself, as it is the responsibility of the landlord, not the tenant.
  • Seasonal. This is comprehensive coverage for recreational homes or cottages. It covers most of the same issues as the homeowner's insurance.
  • Water coverage. Like most property insurance policies, Gore Mutual Insurance includes some protection against accidental water damage. However, other types of water damage, such as those caused by sewer back-up or overland water are covered only if you purchased additional coverage. Additional coverage under the Water Escape or Water Escape Plus policies protect against service line and sewer back-up, as well as overland water issues.
  • Earthquake. This is extra protection not covered by standard home insurance. It covers property contents, additional living expenses and loss assessment, which is coverage for your portion of the condo corporation’s insurance deductible in the event of a covered claim (if applicable).
  • High-value home. This is added protection or so-called VIP protection for high-value homes and expensive possessions. You can upgrade and receive coverage like: scam protection for up to $5,000 if you are a victim of fraud, payment for a security system or alarm upgrade after a covered claim occurs, coverage of up to $50,000 for eco-friendly materials or appliances after a covered claim, and installation of a loss prevention system after a covered claim, such as a security system or water shut-off device.


Gore Mutual also provides insurance to businesses, mainly in the following categories:


  • Auto. Covers a fleet of vehicles as well as business vehicles.
  • Property and casualty. Covers business properties, legal liability, breach response services, common cyber risks, legal expenses, equipment breakdown, among other things.

The ‘next horizon’ and Gore Mutual’s refreshed brand

Gore Mutual Insurance has recently rebranded itself as part of its 'next horizon' strategy – to transform itself into a national insurer. Visually, its brand identity has taken the shape of a ‘virtuous circle,’ with no beginning or end, symbolizing the company’s continuity and constant renewal.

Its new motto is ‘Insurance that does good.’ It achieves that using the following methods:


Mutual benefit

Gore Mutual aims to take care of it all – its people, customers, broker partners and communities. That way, it asserts, its bottom line will take care of itself.



Gore Mutual is committed to continuously reinvesting its profits ‘toward a better tomorrow for all.’


Long-term vision

Gore Mutual wants to devote as many of its resources as possible toward collective, long-term rewards and sustainability over short-term gratification.

Gore Mutual Insurance contact info

General inquiries

Need to contact Gore Mutual Insurance with questions or concerns about your auto insurance? Here’s how to reach them:

Gore Mutual Insurance Company
252 Dundas St. N
P.O. Box 70
Cambridge, ON N1R 5T3
1-844-974-GORE (4673)

320 Bay St, Toronto, ON M5H 4A6

505 Burrard St, Vancouver, BC V7X 1M6

About the Author - Taras Trofimov

Taras Trofimov, Content Manager

As a content manager at InsuranceHotline.com, Taras specializes in home insurance, having collaborated with experts to fully familiarize himself with the industry. 

He has more than nine years of experience in content marketing across a variety of industries in B2C and B2B spaces. Has created thought leadership content for organizations like Constellation Software, Yellow Pages and Facebook and outlets such as Huffington Post and MSN Canada

He graduated from York University with a Bachelor of Arts degree in Film Studies and also studied Technical Communication at Seneca College — the co-op program that introduced him to the world of content marketing. 

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