Terms of use

When you access the web site property of Intact Financial Corporation, you accept and agree to be bound by and comply with these Terms and Conditions of Use regarding the use of this web site (the “Agreement”) the terms and conditions of which are described below as well as at other locations on the web site (hereinafter called the “Site). Please take a moment to become familiar with the terms and conditions. If you do not accept the terms and conditions, you should immediately discontinue the use of this Site.

Intact Financial Corporation has no obligation to update information presented on this Site, however these terms and conditions may be changed at any time without notice. You agree to review the terms and conditions regularly and your continued access or use of the Site will mean that you agree to be bound by any such changes.

When you access this Site you agree to surrender any legal recourse whatsoever resulting from the use of this Site or from any information thereon.

The terms and conditions are of general application and shall be read together with and as supplementary to any disclaimer, term, or condition posted on the Site.

If any term or condition is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of the terms and conditions and shall not affect the validity and enforceability of any remaining provisions of the Agreement.

Your will use this Site in compliance with all applicable laws. You will not use this Site to (a) engage in denial of service attacks, transmit disabling mechanisms or take actions designed to impair network access; (b) infringe any third party’s property or proprietary rights (including any third party intellectual property rights); (c) transmit or disseminate content that you do not have the right to transmit or disseminate; (d) transmit or disseminate content that contains personally identifiable information not belonging to you; or (e) in any manner that Intact Financial Corporation reasonably deems to be harmful to any person or organization (in its sole discretion).

Interpretation and Jurisdiction

When it is appropriate for the interpretation of the text, a word used in the masculine gender includes the feminine gender and vice versa.

Access and use of this Site are subject to all laws and regulations applicable in your province or territory of residence. Please be aware that some financial products and services described in the Site may not be available in your province or territory of residence. This communication does not constitute an offer or solicitation by anyone in any jurisdiction in which the distribution and selling of financial products and services by subsidiaries and affiliated companies of Intact Financial Corporation is prohibited. Persons accessing this Site are required to obtain information about and observe any relevant restrictions.

The terms, exclusions and conditions of the contracts relating to financial products and services mentioned on this Site are not fully described. Their interpretation is governed by the terms and conditions of the contract applicable to the insurance or financial product purchased, or to the financial service offered, and by any applicable laws and regulations. In case of any discrepancy between the contract and the Site , the contract will apply.

Only Canadian residents who can validly be bound by an agreement under applicable laws can use this Site. Individuals residing in an area where the access to or use of the Site or any part of is illegal or prohibited are not permitted to use the Site. It is your responsibility to determine if you can legally use the site in compliance with all applicable laws.

The investor information contained on this Site relates to securities only in those jurisdictions where they may be lawfully available for sale or purchase and only by persons permitted to sell or purchase such securities.


Intact Financial Corporation does not warrant that any information, software or other material accessible through this Site or through links to other Web sites is free of viruses, worms, Trojan horses or other harmful components. Without the use of encryption, communication through the Internet or electronic communication is not secure and privacy cannot be ensured.


When you contact a subsidiary or affiliated company of Intact Financial Corporation to purchase a financial product or obtain advice or financial services, it must occasionally collect certain information part of which may be personal.

Intact Financial Corporation, and its affiliated companies respect the applicable laws with regard to the use of your confidential personal information.

Intact Financial Corporation, its subsidiaries and affiliated companies protect personal information that have been transmitted to them using various means: physical, organizational, and technological in accordance with the level of protection required.

Intact Financial Corporation may use small data files (cookies) that are used for your convenience and save you from identifying yourself at each visit. They do not contain or transmit any personal data.

Certain sections of the Site may permit the communication of personal information to take advantage of electronic services. Any information submitted to the Site is used solely for the purpose(s) identified in its collection and consistent with Intact Financial Corporation’s Privacy Policy.


Cookies are small data files sent to your Internet browser that allow us and our third-party service providers to recognize you when you visit the Site. If you set your browser to disable cookies, you may not be able to access certain parts of the Site or certain parts of the Site may not work properly.

We use cookies for your convenience in order to allow us to recognize you when you return to the Site, to gather information about your use of the Site, to enable the functionality of certain services available through the Site, to maintain, monitor, protect, and improve the Site, and to integrate third party services into the Site.

Any website traffic data we collect may be shared with our parent company, Intact Financial Corporation, and our affiliates in the Intact Financial Corporation group of companies consistent with the purposes set out in our Privacy Promise.

We use the following cookies to integrate the following services into this Site:

Essential and functional cookies

Essential cookies are fundamental to the running of this website and cannot be switched off. Functional cookies ensure that the website works correctly and in a secure manner. Without these cookies, services you’ve asked for such as getting an insurance quote, using online discounts, logging into your account, or paying for and renewing your policy cannot be provided. These cookies allow our website to remember choices you make (such as your username, language, or the region you're in).

Cookies we use on this site

  • Adobe Experience Cloud (Adobe Analytics | Tag Manager)
  • Cloudflare
  • Google Fonts
  • Google Static Content
  • JQuery
  • JsDelivr
  • SalesForce Live Agent
  • Youtube Embedded Player
  • Website Cookies

Analytics Cookies

Analytics cookies allow us to improve the experience and performance of our website. They help us identify digital and behavioural issues experienced by visitors. The information we collect uses anonymous identifiers.

Cookies we use on this site

Marketing cookies

We use cookies, web beacons, pixel tags, and other technologies on our Site and other sites provided by the Intact Financial Corporation group of companies. These technologies let us deliver suitable advertisements about our products and services to you on various internet websites.

For example, cookies may be placed on your device when you visit our Site. These cookies can inform our advertising agencies and advertising networks that you have visited our Site. As you visit the websites of other companies in the advertising network, these cookies help our advertising agencies use Interest-Based Advertising techniques to predict which advertisements are likely to interest you based on your browsing patterns.

You can learn more about Interest Based Advertising and opt-out of Interest-Based Advertising on our sites by visiting the AdChoices Canada opt-out page.

Cookies we use on this site

Copyrights and Trademarks


The Site is protected by Copyright laws and International Agreements on such matters, and its content cannot be altered without infringing on the author's rights and his/her moral rights.

The texts, illustrations, graphics, and images displayed on the Site are and will remain at all times the property of the author, unless stipulated otherwise herein. They cannot, under any circumstances, be sold, reproduced, copied, modified, published, or distributed, in whole or in part, as the case may be, without express permission from the author.

No content from the Site may be cited on or transmitted to newsgroups, mail lists, or electronic bulletin boards, or incorporated into any other Internet Web site nor may links be created to this Site without indicating the source and address of the site and without the prior written consent of Intact Financial Corporation, its subsidiaries, or affiliated companies.


Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of the Site are, as the case may be, trade names or trademarks of Intact Financial Corporation, its affiliated companies, or its subsidiaries, registered and/or used in Canada (marks) or in other countries, as the case may be, and represent only part of their intellectual property.

Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of the Site can constitute trademarks or trade names, registered or not, property of third parties and may be used under licence. The display of trademarks and trade names on pages on the Site does not imply that a license of any kind has been granted to anyone else. The users are not permitted to use these marks or names without express written consent from Intact Financial Corporation or from the third party proprietor of these marks or names.

The following list is a non-exhaustive list of the trademarks that are used on this site:

  • ®Intact Small Straight Lines Design, Intact Design, Intact Insurance Design, Intact Centre on Climate Adaptation, and Intact Ventures are registered trademarks of Intact Financial Corporation.
  • ®belairdirect. & Design is a registered trademark of Belair Insurance Company Inc. used under license.
  • ®Brokerlink & Design is a registered trademark of Brokerlink Inc. used under license.
  • ™OneBeacon is a trademark of Intact Insurance Group USA Holdings Inc. used under license.
  • ®On Side Restoration & Design is a registered trademark of On Side Restoration Services Ltd. used under license.

This list is subject to change at any time without prior notice.

Any unauthorised downloading, re-transmission, or other copying or modification of any trade-marks and/or any content of the Site is expressly prohibited.

Liability & Indemnity

Intact Financial Corporation, its subsidiaries and affiliated companies completely disclaims all liability arising from the use of the information contained on this Site by any user. Further, and without limiting the generality of the foregoing, in no event shall Intact Financial Corporation, its subsidiaries and affiliated companies be liable for any direct, indirect, incidental, consequential, or special damages, losses, claims or expenses arising out of the use of the information herein, or in any way connected with access to or use of the Site.

The materials and information on this Site are provided as is, and without warranties of any kind, either expressed or implied.

Without limiting the above, Intact Financial Corporation does not represent or warrant that the Site or its content will be available or will function without interruption or that it will be free of errors or that any errors will be corrected. In addition, it does not represent or warrant that the use of the Site and, including the browsing and downloading of any content, will be free of viruses, Trojan horses, worms or other destructive or disruptive components or that your use of the Site and its content will not infringe the intellectual property or other rights of any third party.

When using the Site, you have to take reasonable precautions to scan for computer viruses, worms, Trojan horses, and other items of a destructive nature. It is also up to you to ensure that you have a complete and current backup of the information contained on your computer system prior to using the Site.

Investing in any security (such as a stock or mutual fund) may give rise to the payment of commissions, trailing commissions, brokerage fees, management fees and other expenses. Please read the prospectus before investing. Securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that any of the securities advertised on this Site will be able to maintain their net asset values per security at a constant amount or that the full amount of your investment in any securities will be returned to you. Securities are not guaranteed, their values change frequently and past performance may not be repeated. Investors who do not reside in Canada should communicate with their advisor to obtain additional information regarding the availability in their country of residence of the financial products and services described in this Site.

You agree to indemnify and hold harmless Intact Financial Corporation, its affiliated companies and their respective directors, officers, employees, agents or other representatives from and against all claims, liability and expenses, including all legal fees and costs arising from or relating to (a) your breach of these terms and conditions of use; and (b) your use of this Site.

This section shall survive the termination of your right to use this Site.


The information provided by Intact Financial Corporation is believed to have been accurate and reliable when posted on the Site, but it cannot guarantee that it is accurate or complete or current at all times. The information on this Site is for information purposes only and is not intended to provide investment, insurance, financial, legal, accounting or tax advice and should not be relied upon in that regard. For advice please consult the appropriate specialist. As a result, Intact Financial Corporation, its subsidiaries, and affiliated companies cannot be held responsible, in all or in part, of the accuracy of the information provided in the Site and cannot be held responsible for investment decisions based thereon.

Forward Looking Statements

Certain of the statements made on the Site are forward-looking statements. Unless otherwise indicated, all forward-looking statements on this Site are made as at the date indicated on the appropriate document (or the date of first publication, if no such date is present), and are subject to change after that date. This Site may contain forward-looking statements with respect to objectives regarding return on equity, net operating income per share, combined ratio, underwriting performance, achievement of net-zero greenhouse gas emissions, our market position in the areas in which we operate, our specialty solutions business, the realization of the expected strategic, financial and other benefits of acquisitions and integrations, and with respect to the impact of other economic conditions related to Intact Financial Corporation’s operations and financial performance.

Forward-looking statements are based on estimates and assumptions made by management based on management’s experience and perception of historical trends, current conditions and expected future developments, as well as other factors that management believes are appropriate in the circumstances. In addition to other estimates and assumptions which may be identified herein, estimates and assumptions have been made regarding, among other things, the realization of the expected strategic, financial, and other benefits of the acquisitions and integrations and economic and political environments and industry conditions. As a result, we cannot guarantee that any forward-looking statement will materialize, and we caution you against unduly relying on any of these forward-looking statements. Except as may be required by Canadian securities laws, we do not undertake any obligation to update or revise any forward-looking statements contained on this Site. , whether as a result of new information, future events or otherwise. Please read all cautionary notes included with any information provided to you as part of this Site.

This section shall survive the termination of your right to use this Site.

Links to other sites

Links from or to other sites outside of this Site are meant for convenience only and you access them at your own risk. The publishers of the outside sites manage their content which are not reviewed, nor approved by Intact Financial Corporation. These links should not construed as an endorsement, a guarantee or a recommendation of the products or services offered on those sites. Intact Financial Corporation cannot guarantee that these links are functional or secure.

You access these other sites at your own risk. Intact Financial Corporation cannot be held responsible for damages or prejudice of any nature resulting from the use or the content of the site or of other sites connected to this Site by hyperlink.

General Terms

Intact Financial Corporation may at any time (and at its sole discretion) terminate your right to use this Site. These terms and conditions of use shall be governed by, construed, and enforced in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein. You irrevocably attorn to the jurisdiction of the courts of the Province of Ontario. This provision shall survive the termination of your right to use this Site. These Terms and Conditions of Use together with Intact Financial Corporation’s Privacy Policy constitute the entire agreement between you and Intact Financial Corporation with respect to your use of this Site and supersede all previous agreements, understandings and representations relating thereto. No failure by Intact Financial Corporation to exercise any rights, powers, or remedies hereunder, or any delay in such exercise, shall constitute a waiver of these rights, powers, or remedies by Intact Financial Corporation. This section shall survive the termination of your right to use this Site.