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