Intact Financial Corporation (IFC) is the leading provider of property and casualty insurance in Canada. As the largest competitor, we combine the advantages inherent in our scale with critical strengths in pricing, underwriting, claims and distribution. This allows us to offer competitively priced products and outstanding service to our customers and brokers and, in turn, achieve superior financial results. IFC's high financial strength rating is reflective of our excellent capitalization, strong market position and risk management discipline that consistently generate above average profitability.

Financial Strength Ratings

A. M. BESTDBRSFITCHMOODY’S
Intact Insurance CompanyA+
(Superior)
AAAA-A1
Novex Insurance CompanyA+
(Superior)
AAAA-A1
The Nordic Insurance Company of CanadaA+
(Superior)
AAAA-A1
Trafalgar Insurance Company of CanadaA+
(Superior)
AAAA-A1
Belair Insurance Company Inc.A+
(Superior)
AAAA-A1
Jevco Insurance CompanyA+
(Superior)
AAAA-A1
Royal & Sun Alliance Insurance Company of CanadaNot RatedAAAA-A1
Canadian Northern Shield Insurance CompanyNot RatedAAAA-A1
Unifund Assurance CompanyNot RatedAAAA-A1
Western Assurance CompanyNot RatedAAAA-A1
Quebec Assurance CompanyNot RatedAAAA-A1
Atlantic Specialty Insurance CompanyA+
(Superior)
AAAA-A2
Homeland Insurance Company of New YorkA+
(Superior)
AAAA-A2
Homeland Insurance Company of DelawareA+
(Superior)
AAAA-A2
OBI National Insurance CompanyA+
(Superior)
AAAA-A2
OBI America Insurance CompanyA+
(Superior)
AAAA-A2
The Guarantee Company of North America USA+
(Superior)
AAAA-A2
Split Rock Insurance, Ltd.A+
(Superior)
Not RatedNot RatedNot Rated
Royal & Sun Alliance Insurance (RSAI)A
(Excellent)
AA AA-A2
Royal & Sun Alliance Reinsurance LtdA
(Excellent)
AAAA-A2
The Marine Insurance Company Ltd.A
(Excellent)
AA AA-A2
RSA LuxembourgA
(Excellent)
AA AA-A2
RSA Insurance IrelandA
(Excellent)
AAAA-A2

Senior Unsecured Debt Ratings

A. M. BESTDBRSFITCHMOODY'S
Intact Financial Corporationa-A (high)A-Baa1
Intact U.S. Holdings Inc.1a-A (high)A-Baa2
RSA Insurance Group Limiteda+A (high)
A-
Baa1

Preferred Share Ratings

A. M. BESTDBRSFITCHMOODY'S
Intact Financial CorporationbbbPfd-2 (high)BBBNot Rated

Outlook

A. M. BESTDBRSFITCHMOODY'S
Intact Financial CorporationStableStable StablePositive
Intact U.S. Holdings Inc.1StableStableStablePositive
RSA Insurance Group Limited StableStableStablePositive

1Effective February 18, 2020, OneBeacon Insurance Group Holdings, Ltd. was renamed Intact U.S. Holdings Inc.

Financial strength ratings information is provided via independent third party resources. Intact Financial Corporation or its affiliates do not guarantee the accuracy, adequacy, completeness or availability of ratings information. Additional information and the latest ratings are available on each respective web site of the rating agencies. A security rating or a stability rating is not a recommendation to buy, sell or hold securities and may be subject to revision or withdrawal at any time by the rating organization.