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
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Financial Strength Ratings Table
|
A. M. Best |
DBRS |
FITCH |
Moody’s
|
S&P |
| Intact Insurance Company |
A+
(Superior)
|
AA (low)
|
AA-
|
A1 |
Not Rated |
| Novex Insurance Company |
A+
(Superior)
|
AA (low)
|
AA-
|
A1 |
Not Rated |
| The Nordic Insurance Company of Canada |
A+
(Superior)
|
AA (low)
|
AA-
|
A1 |
Not Rated |
| Trafalgar Insurance Company of Canada |
A+
(Superior)
|
AA (low)
|
AA-
|
A1 |
Not Rated |
| Belair Insurance Company Inc. |
A+
(Superior)
|
AA (low)
|
AA-
|
A1 |
Not Rated |
| Jevco Insurance Company |
A+
(Superior)
|
AA (low)
|
AA-
|
A1 |
Not Rated |
| Royal & Sun Alliance Insurance Company of Canada |
Not Rated |
Not
Rated
|
Not
Rated
|
Not rated
|
A |
| Canadian Northern Shield Insurance Company |
Not Rated |
Not
Rated
|
Not
Rated
|
Not rated
|
A |
| Unifund Assurance Company |
Not Rated |
Not
Rated
|
Not
Rated
|
Not rated
|
A |
| Western Assurance Company |
Not Rated |
Not
Rated
|
Not
Rated
|
Not rated
|
A |
| Quebec Assurance Company |
Not Rated |
Not
Rated
|
Not
Rated
|
Not rated
|
A |
| Atlantic Specialty Insurance Company |
A+
(Superior)
|
AA (low)
|
AA-
|
A2
|
Not Rated |
| Homeland Insurance Company of New York |
A+
(Superior)
|
AA (low)
|
AA-
|
A2
|
Not Rated |
| Homeland Insurance Company of Delaware |
A+
(Superior)
|
AA (low)
|
AA-
|
A2
|
Not Rated |
| OBI National Insurance Company |
A+
(Superior)
|
AA (low)
|
AA-
|
A2
|
Not Rated |
| OBI America Insurance Company |
A+
(Superior)
|
AA (low)
|
AA-
|
A2
|
Not Rated |
| The Guarantee Company of North America US |
A+
(Superior)
|
AA (low)
|
AA-
|
Not Rated
|
Not Rated |
| Split Rock Insurance, Ltd. |
A+
(Superior)
|
Not Rated
|
Not Rated
|
Not Rated
|
Not Rated |
| Royal & Sun Alliance Insurance (RSAI) |
Not Rated |
Not
Rated
|
AA- |
A2
|
A |
| Royal & Sun Alliance Reinsurance Ltd |
Not Rated
|
Not
Rated
|
Not
Rated
|
A2
|
A |
| The Marine Insurance Company Ltd. |
Not Rated
|
Not
Rated
|
Not
Rated
|
A2
|
A |
| RSA Luxembourg |
Not Rated
|
Not
Rated
|
Not
Rated
|
A2
|
A |
| RSA Insurance Ireland |
Not Rated
|
Not
Rated
|
Not
Rated
|
A2
|
A |
| Codan Forsikring A/S |
Not Rated
|
Not
Rated
|
Not
Rated
|
A2
|
Not Rated |
Senior Unsecured Debt Ratings
Senior Unsecured Debt Ratings Table
|
A. M. Best |
DBRS |
FITCH |
MOODY'S
|
S&P |
| Intact Financial Corporation |
a- |
A
|
A-
|
Baa1 |
Not Rated |
| Intact Insurance Group USA Holdings inc.1 |
a- |
A
|
A-
|
Baa2 |
Not Rated |
| RSA Insurance Group limited |
Not
Rated
|
Not
Rated
|
A-
|
Baa1 |
BBB+ |
| Royal & Sun Alliance Insurance limited |
Not
Rated
|
Not
Rated
|
A
|
Not
Rated |
Not Rated |
Preferred Share Ratings
Preferred Share Ratings Table
|
A. M. Best |
DBRS |
Fitch |
MOODY'S |
S&P |
| Intact Financial Corporation |
bbb |
Pfd-2 |
BBB |
Not Rated |
Not Rated |
Outlook
Outlook Table
|
A. M. Best |
DBRS |
FITCH |
MOODY'S
|
S&P |
| Intact Financial Corporation |
Stable |
Stable
|
Stable |
Stable |
Not Rated |
| Intact Insurance Group USA Holdings inc.1 |
Stable |
Stable
|
Stable |
Stable |
Not Rated |
| RSA Insurance Group limited (Holding) |
Not Rated |
Not Rated
|
Stable |
Stable |
Stable |
1Effective February 18, 2020, OneBeacon Insurance Group Holdings, Ltd. was renamed
Intact Insurance Group USA 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.