Intact Insurance

Intact Insurance UK Limited operates as a commercial and specialty insurer, registered in England and Wales under company number 00093792. The firm's registered office is located at 22 Bishopsgate, London, EC2N 4BQ. Intact Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by both the Financial Conduct Authority and the Prudential Regulation Authority, with Financial Services Register No. 202323. The company is an integral part of Intact Financial Corporation, a global entity in the insurance sector. In 2025, RSA officially rebranded to Intact Insurance across the UK, Ireland, and Europe, marking a new chapter for the business following its acquisition by Intact Financial Corporation in 2021.

The company's heritage in the UK insurance market extends over 300 years, tracing its origins back to 1710 with the establishment of the Sun Fire Office by British entrepreneur Charles Povey. This pioneering venture was among the world's first fire insurance companies. Over the centuries, the business evolved through a series of mergers and acquisitions, incorporating significant names such as London Assurance, Phoenix Assurance, Alliance Assurance, Liverpool & London & Globe, and Royal Insurance. These historical developments ultimately led to the formation of Royal & Sun Alliance Insurance Group plc (RSA) in 1996, which subsequently became RSA Insurance Group plc in 2008, before its acquisition and rebranding to Intact Insurance.

Intact Insurance UK Limited is supported by the extensive global footprint of its parent company, Intact Financial Corporation. This Canadian general insurance holding company stands as a prominent provider of Property & Casualty insurance in Canada, a leading Specialty Lines insurer with international expertise, and a significant player in Commercial Lines across the UK and Ireland. Intact Financial Corporation employs a global team of 31,000 individuals and manages approximately CAD$24 billion in total annual direct premiums written. The UK operation benefits from this broader corporate structure, leveraging global insights and resources to serve its market.

The firm offers a comprehensive suite of commercial and specialty insurance products designed to address the diverse needs of businesses across various industries. Its offerings include construction, engineering, and renewable energy insurance, general insurance packages, liability insurance, marine insurance, motor insurance, professional and financial insurance, and property insurance. Additionally, Intact Insurance provides specialty lines such as super yacht insurance, real estate insurance, and specialty rail insurance. The company's approach involves providing practical insights to assist businesses in managing risk and planning for the future, supported by a global network and risk consulting services.

Intact Insurance recognises purpose-built student accommodation (PBSA) as a distinct sector within the property market. The company acknowledges that standard property insurance coverage often does not adequately address the specific risks faced by PBSA operators, landlords, and their brokers. The firm approaches student accommodation as a sector requiring tailored solutions, understanding the dual expectations for high standards of living for students and reliable yields for investors. This specialised focus reflects an understanding of the complex risk landscape inherent in the student accommodation sector, which saw substantial investment in 2024.

The company's operational philosophy centres on supporting people, businesses, and society through both prosperous and challenging times. Intact Insurance aims to simplify the insurance experience by offering expert solutions that enable brokers and businesses to operate with confidence. The firm maintains dedicated in-house claims teams, whose expertise is directed towards assisting businesses in recovering and getting back on track following incidents. This commitment to claims handling is presented as a core aspect of the company's service to its customers.