# Intact Financial Corporation

> Intact Financial Corporation is Canada's largest property and casualty insurer and an increasingly international commercial and specialty carrier. Its real product is a tightly connected operating system: price risk with data and AI, sell through brokers and direct brands, manage claims through an integrated repair and restoration network, invest the premiums, and use the resulting capital to acquire new platforms. The model produced C$25.1 billion in 2025 operating direct premiums written, but its biggest acquisition also forced a hard choice - exit underperforming UK personal lines and concentrate on businesses where its underwriting playbook travels well.

- **Founded:** 1809
- **Headquarters:** Toronto, Canada
- **Team size:** Approximately 32,000 employees worldwide in 2026.
- **Products:** Personal insurance, Commercial insurance, Global specialty insurance, BrokerLink and distribution, Claims, restoration and prevention
- **Notable:** Became Canada's largest property and casualty insurer and grew annual operating direct premiums written to C$25.1 billion in 2025., Tripled operating direct premiums written over the decade ending in 2025., Completed the joint £7.2 billion acquisition of RSA Insurance Group with Tryg in 2021, Intact's largest transaction.

## Products & services

- **Personal insurance** — Home, auto, travel, affinity and high-net-worth coverage in Canada, plus direct personal insurance in Ireland through 123.ie.
- **Commercial insurance** — Property, liability, fleet and other coverage for small businesses through large companies, distributed mainly through brokers and agencies.
- **Global specialty insurance** — More than 20 specialist verticals, including marine, technology, accident and health and complex property, supported by a network spanning more than 150 countries.
- **BrokerLink and distribution** — Wholly owned brokerage distribution in Canada, complemented by direct brands, agencies and affinity partnerships.
- **Claims, restoration and prevention** — Claims handling, repair and restoration through an integrated supply chain, On Side Restoration, wildfire response services and home maintenance through Jiffy.
- **Digital and AI services** — Telematics, online self-service, automated purchase, pricing models, underwriting analytics and claims workflow tools developed with Intact Lab.
- **Investment management** — Management of the invested assets created by insurance premiums and capital, supporting investment income and financial strength.

## Achievements

- Became Canada's largest property and casualty insurer and grew annual operating direct premiums written to C$25.1 billion in 2025.
- Tripled operating direct premiums written over the decade ending in 2025.
- Completed the joint £7.2 billion acquisition of RSA Insurance Group with Tryg in 2021, Intact's largest transaction.
- Raised the common-share dividend for 21 consecutive years through 2026.
- Reported record annual net operating income per share of C$19.21 and a 19.5% operating ROE for 2025.
- United RSA and NIG under the Intact Insurance brand across the UK, Ireland and Europe in 2025.
- Built a commercial and specialty network spanning more than 150 countries.
- Was recognized as a Best Employer in Canada, the US, the UK and Ireland for 2025, according to the company.

## Latest updates

- **2026-08** — Launched a handcrafted miniature-house campaign designed to make extreme-weather risks tangible to Canadian homeowners.
- **2026-07** — Reported Q2 operating direct premium growth of 4%, a 94.9% combined ratio and C$3.8 billion of total capital margin; catastrophe and large losses weighed on underwriting income.
- **2026-05** — Expanded Canadian women's sports partnerships, including presenting the Montréal Roses and supporting the PWHL.
- **2026-04** — Published the 2025 Social Impact and ESG Report and renewed its long-standing Speed Skating Canada partnership.
- **2026-03** — Published its 2025 annual report, highlighting 32,000 employees and C$25 billion in annual operating direct premiums written.
- **2026-02** — Reported record 2025 annual NOIPS of C$19.21, 19.5% operating ROE and the 21st consecutive annual dividend increase.
- **2025-10** — Rebranded RSA and NIG as Intact Insurance across the UK, Ireland and Europe and became a national partner of the Canadian Olympic Committee.

## Links

- Website: https://www.intactfc.com/
- LinkedIn: https://www.linkedin.com/company/intact
- Twitter/X: https://x.com/IntactInsurance
- YouTube: https://www.youtube.com/@IntactFinancialCorporation
- Instagram: https://www.instagram.com/intactfinancial/
- Facebook: https://www.facebook.com/intact
- TikTok: https://www.tiktok.com/@intactassurance

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Profile page: https://yespress.io/intact
Published by YesPress — https://yespress.io
Last updated: 2026-08-23