Toronto, Ontario — Beneva, headquartered in Quebec City, and Gore Mutual, headquartered in Cambridge, Ontario, have completed a merger first announced at the beginning of 2025.
Under the integration plan, Gore Mutual’s operations will be combined with Unica, Beneva’s Ontario-based subsidiary. Gore will ultimately operate as a standalone subsidiary under the Beneva brand. Until that process is complete, Gore and Unica will continue to operate as separate businesses.
The combined organization will continue to offer personal and commercial insurance products through broker partners, including auto insurance. Beneva offers personal auto insurance that includes mandatory civil liability coverage and optional collision and comprehensive coverage, roadside assistance, replacement vehicle benefits and legal assistance, as well as options such as accident forgiveness, decreasing deductibles and rental or travel cost coverage. Gore Mutual offers personal auto insurance with required liability coverage and optional collision, comprehensive and all-perils protection. The company also provides commercial auto insurance, including fleet coverage, garage liability and coverage for customer vehicles while in care, custody or control.
In a press release, Jean-François Chalifoux (left), president and chief executive officer of Beneva, said the merger expands the company’s operations across Canada. “We are pleased to welcome Andy Taylor to our executive management committee and to bring Gore’s employees into Beneva,” he said. “This work involved teams across Beneva, Gore and Unica.”
Effective January 1, Andy Taylor assumed the role of executive vice-president and leader, property and casualty Ontario and West at Beneva, with responsibility for Gore and Unica.
Unica’s leadership team will continue to oversee operations during the transition. “We look forward to working with the Unica team and colleagues across Beneva,” Taylor said. “By combining resources, we will continue to develop property and casualty products and services for members and brokers.”
The integration will proceed in two phases. The first phase, beginning in January 2026, focuses on planning and implementing operating models, including systems, workflows and organizational responsibilities. A second phase will involve further integration of Gore and Unica into Beneva where applicable.
With the completion of the merger, Gore Mutual’s members have become members of Beneva Mutual. Gore Mutual Insurance Company has changed its legal name to Gore Insurance Company. There are no changes to customer policies or broker relationships as a result of the legal name change. The Gore brand will remain in place through 2026. A full transition to the Beneva brand is expected within 1 year.
Beneva serves approximately 3.5 million members and was formed through the merger of La Capitale and SSQ Insurance in 2020. The company employs more than 5,500 people and offers group, property and casualty, individual insurance and financial services.
Founded in 1839, Gore Mutual is one of Canada’s oldest property and casualty mutual insurers and operates through a broker network with offices in Cambridge, Toronto and Vancouver.
