Toronto, Ontario Insurance Agency Guide
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Optimum Insurance Co Inc

Updated 2026-07-24 · 1,697 reviewed · 415 listed · Scored from 19 Google reviews · How we rank ›

2.4(19) 46 low data composite score See reviews on Google ✓ Google-verified Publishes prices
Auto InsuranceLife InsuranceBusiness & Commercial Insurance
Optimum Insurance Co Inc
Services
Auto Insurance, Life Insurance, Business & Commercial Insurance
Reviews
19

What recent reviews say

Nearly all recent reviews (63% one or two stars) cite poor communication, difficulty reaching staff, and rigid claim denials. One reviewer was canceled mid-year and lost their premium; another experienced mold damage ignored after a 2-year cutoff. Limited positive evidence to balance the consistent pattern of complaints.

Based on limited recent reviews, so treat this as low-confidence.

Praised for
  • minimal recent evidence of praise
Watch-outs
  • staff evasive and unresponsive to calls and emails
  • policy terms unclear to customers
  • cancellations with retention of premiums
  • slow claims and damage assessments
  • strict 2-year claim windows applied rigidly
  • unexplained rate hikes at renewal
hard-to-reachpoor-communicationslow-claims-processclaim-deniedconfusing-policy
Think twice if: Think twice if you value responsive customer service or need clear explanations of your coverage terms.

Strengths

  • offers farm and commercial liability options
  • operates across multiple provinces

Worth knowing

  • Policy cancellations initiated by company result in forfeiture of paid premiums
  • claims subject to strict 2-year window after which coverage repair obligations end
  • staff unable or unwilling to explain policy details by phone

What reviews say by service

Home & Property Insurance
Claims assessed narrowly; damage not fully inspected, leading to later mold and subflooring issues unaddressed.
Auto Insurance
No specific review text on auto claims; category offered but unclear from evidence.
Business & Commercial Insurance
No specific review text on business claims; category offered but unclear from evidence.

How it compares

  • Rated 2.4 against a 4.08 average across the 263 auto insurance businesses listed here.
  • Has more Google reviews than 60% of the businesses in this directory.

How we scored this

Ranking Method
Star rating 0
Review volume 56
Review recency 91
Review sentiment 36
Profile completeness 100
Verification 30

Rating breakdown

5
6
4
0
3
1
2
1
1
11

Similar insurance agency nearby

Willis Canada Inc
39 low data

Willis Canada Inc

1.8(8)✓ Google-verified

Willis Canada struggles with basic responsiveness. Calls go unanswered for days, cancellation requests stall, and staff avoid helping customers trying to leave. One long-term client praised their rate-finding, but most reviewers report years of errors and excuses.

Auto InsuranceBilingual / Multilingual Service

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Last updated 2026-07-24