Optimum General Inc. Auto Insurance Review

Optimum Insurance, which operates in Canada, offers auto insurance and homeowners coverage. A.M. Best has given Optimum General Inc. a B++ rating.

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Company Details


425 de Maisonneuve Blvd. West, Suite 1500

Quebec, Canada
ZIP Code:
H3A 3G5
Phone Number:
Year Founded
AM Best Rating:
Company Rating 0 (0 reviews)

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
Licensed Insurance Agenthttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/aiorg-live/d98a9f52-daniel-walker.png

UPDATED: Apr 16, 2020

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Things to Remember

  • Optimum Insurance offers auto insurance and homeowners coverage
  • There are over 500 brokers who work for Optimum Insurance
  • The company is based in and operates within Canada

Optimum Insurance Company is a subsidiary of the Optimum General Inc., which is a subsidiary of the Optimum Group. This organization provides casualty and property insurance both on the commercial and consumer fronts in Canada.

Individual product lines include types of auto insurance and homeowner coverage. corporate property and liability. Along with Optimum Insurance, other subsidiaries of the Optimum Group underwrite products like Optimum Farm Insurance and Optimum West Insurance.

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These insurance products are sold through a distribution network of about 500 brokers who are independent contractors. Moreover, the Optimum Group also has business leanings in the following markets:

  • financial service
  • life insurance
  • real estate management

Optimum Auto Insurance Locations

The business is broken down in the following manner. All accounting, actuarial, and information technology services are centralized at the head office of Optimum General Inc., in Montreal.

Each regional office is run by a Regional Vice President, which focuses its sights a particular and unique business segment.

The regional offices focus their attention on all issues relating to claims management, underwriting, forming strong relationships with brokers, and processing homeowner and auto insurance claims.

Optimum General Inc. has almost 200 employees working for them in Canada.

With a vast network of 500+ independent brokers and with over 1,000 points of sale to find their products, Optimum has been able to continually build upon their current accomplishments and activities, while still being able to investigate new initiatives.

At the same time, the company continues to strive to offer unwavering customer service to both their brokers and to insurance policyholders.

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Optimum Auto Insurance and Contact Information

The information for the head office is listed below. Contact info for all other regional offices is available on the company website.

425 de Maisonneuve Blvd. West
Suite 1500
Montreal, Quebec Canada
H3A 3G5
(514) 288-8725

Optimum Auto Insurance and the Optimum West Insurance Company

This subsidiary, which has its offices located both in Vancouver and Edmonton, underwrites the following types of policies:

  • Personal residential insurance
  • Commercial liability insurance (for Businesses in Alberta, British Columbia, and the Yukon)
  • Personal automobile insurance (Alberta and the Yukon)
  • Commercial automobile insurance (Alberta and the Yukon)

Optimum Insurance Company

This subsidiary has its offices in Montreal, North Bay, Quebec City, Toronto, and Winnipeg. The types of insurance policies Optimum Insurance Company underwrites are the following:

  • Personal residential insurance (Quebec, Ontario, and Manitoba)
  • Personal automobile insurance (Quebec and Ontario, only)
  • Commercial property insurance (Quebec, Ontario, Manitoba, the Northwest Territories, Nunavut, and Saskatchewan)
  • Commercial automobile insurance (Quebec and Ontario, only)

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Optimum Farm Insurance Inc.

Optimum Farm Insurance Inc. underwrites the following types of policies:

  • Automobile insurance for farm owners
  • Farm/Property insurance for farm owners
  • Liability insurance for farm owners

All these coverages are for the Quebec area only.

Optimum Auto Insurance Ratings

A.M. Best has moved up Optimum General Inc, due to their financial strength from their B rating to a B++ rating.

Also, the Better Business Bureau has different ratings for certain offices:

It would appear that overall Optimum General Inc. is a safe bet for particular insurance needs.

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