Frequently Asked Questions

The following questions provide an overview of Intact Canada and its products. For more detailed information about our business and the Canadian property and casualty (P&C) insurance industry, please refer to our financial reports.

1. Who is Intact Financial Corporation?

We are the largest provider of property and casualty (P&C) insurance in Canada and a leading provider of specialty insurance in North America, with over $11 billion in total annual premiums and an estimated market share of 17% in Canada.

The Company has approximately 16,000 full- and part-time employees who serve more than five million personal, business and public sector clients through offices in Canada and the U.S.

In Canada, Intact distributes insurance under the Intact Insurance brand as well as The Guarantee Company of North America brand, through a wide network of brokers, including its wholly-owned subsidiary BrokerLink, and directly to consumers through belairdirect. Intact also provides specialized insurance programs to public entities through its wholly-owned subsidiary, Frank Cowan Company.

In the U.S., OneBeacon Insurance Group, a wholly-owned subsidiary, provides specialty insurance products through independent agencies, brokers, wholesalers and managing general agencies.

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2. What insurance products do you offer?

Our business is organized into two product lines: personal and commercial insurance. Our personal insurance business, representing approximately 58% of our direct premiums written in 2019, consists of automobile and property insurance sold to individuals. Our commercial insurance business consists of automobile, property, liability, surety and specialty coverage sold mainly to small and medium-sized commercial clients in Canada and the US.

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3. How do you distribute your insurance products?

We have a multi-channel distribution strategy including broker and direct-to-consumer brands. This strategy maximizes growth in the market and enables us to appeal to different customer preferences and to be more responsive to consumer trends. The broker channel represents approximately 86% of annual DPW. We have more than 2,000 broker relationships across Canada for customers that prefer the highly-personalized, community-based service that insurance brokers provide. We also distribute insurance products directly through belairdirect, which is responsible for most of the $1.1 billion in premiums written through our direct-to-consumer distribution channel in 2015.

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4. Where is Intact Financial Corporation's stock listed?

Our shares are listed on the Toronto Stock Exchange under the symbol "IFC".

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5. Are the shares of Intact Financial Corporation included in the TSX index?

Yes. Effective March 17, 2006 Intact Financial Corporation shares (formerly ING Canada Inc.) were added to the S&P/TSX Composite Index.

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6. What is the CUSIP for Intact Financial Corporation common shares?

The company CUSIP number for its common shares is 45823T106 and its ISIN is CA45823T1066.

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7. Who is Intact Financial Corporation's transfer agent?

Computershare Investor Services Inc. (Address: 100 University Avenue, 9th floor, Toronto, Ontario M5J 2Y1, Phone: 1 800 564-6253) serves as our transfer agent. Shareholders should, however, contact their broker directly if they have questions about the administration of their holdings (e.g., address changes, tax receipts).

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8. Does Intact Financial Corporation pay a dividend?

Yes, all dividends (and deemed dividends) paid by Intact Financial Corporation to Canadian residents on our common and preferred shares after December 31, 2005 are designated as eligible dividends. Unless stated otherwise, all dividends (and deemed dividends) paid by the Company are designated as eligible dividends.

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9. Do you have a dividend reinvestment plan, or DRIP?

Yes, we do. Shareholders have the option of either participating through their existing broker, if eligible, or otherwise through the Co-Operative Investing Service operated by Canadian ShareOwner Investments Inc.

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10. Are dividends paid by Intact Financial Corporation considered eligible dividends for Canadian tax purposes?

Yes, all dividends (and deemed dividends) paid to Canadian residents on our common shares after December 31, 2005 are designated as eligible dividends. Unless stated otherwise, all future dividends (and deemed dividends) paid by the company are designated as eligible dividends.

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