Intact Financial CorporationTSX: IFC

2025 Social Impact and ESG Report

· Issued by Intact Financial Corporation
Watch Intact Financial explain itIntact Financial Corporation (IFC) Q2 2026 Earnings Call · Replay · Jul 29
Intact Financial Corporation

2025 Social Impact and ESG Report





  1. About us

  2. What we do

  3. What we aim to achieve

  4. 2025 strategic highlights

  5. Our roadmap

  6. How we structure our report

  7. From risk to resilience

12 Our customers are our advocates

13 Personal Lines

14 Our customers are digitally engaged

16 Building prevention into the Personal Lines experience

19 Commercial Lines

21 Risk control support for Commercial and Specialty Lines customers

22 Global Specialty Lines

24 Our deep claims expertise and strong supply chain network

28 Supporting brokers with specialized expertise

30 Our people are engaged

31 Our People Strategy

32 Be a best employer

33 Be a destination for top talent and experts

34 Enable our people to thrive

35 Our employees and leaders are representative of the communities we serve

37 Our company is one of the most respected

38 Our approach to social impact and climate

39 Adapt

43 Enable

48 Commit

52 Collaborate

53 Economic resilience

55 Community wellbeing

56 ESG performance

57 ESG governance

58 Business ethics

64 Human capital management

67 Climate-related financial disclosures

87 Sustainability Accounting Standards Board (SASB)

92 Index of relevant topics found in our other reports

93 Public Accountability Statement

Front cover: Intact employees are seen exploring Marlborough Wetland near Ottawa, Ontario-land that Intact is helping to protect in partnership with the Nature Conservancy of Canada. For more information, see page 42.

2025 Intact Social Impact and ESG Report 2

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Reporting Scope and Boundary

Throughout this report, "IFC", "Intact", "we" or "our" refer to Intact Financial Corporation and, where applicable, its subsidiaries, for example where regional initiatives or particularities are reported. All currency is in Canadian dollars unless otherwise noted. This report covers non-

financial performance across IFC's global operations in the financial year 1 January to 31 December 2025, but does not intend to replace or supplement any mandatory report or disclosure vehicle as may be required in any jurisdiction where certain IFC subsidiaries operate and report in accordance with local legal requirements.

Cautionary note regarding forward-looking statements

Certain of the statements included in this report about our current and future plans, expectations and

intentions, results, levels of activity, performance, goals or achievements or any other future events or developments constitute forward-looking statements. These forward-looking statements include, among others, statements with respect to our beliefs and intentions, our vision,

our strategic goals and priorities regarding our social, economic and governance-related impacts, including our actions related to diversity, equity and inclusion, child poverty, climate change and adaptation and our net zero greenhouse gas ("GHG") emissions reduction goals and targets and our interim emissions reduction targets. We caution readers not to place undue reliance

on these statements, as a number of factors could cause our results and intentions to differ materially from the expectations expressed or implied by the forward-looking statements. These forward-looking statements represent our current expectations, estimates and projections regarding future events, but are not a guarantee of

future performance. The climate-related forward-looking statements involve inherent risks and uncertainties

and are based on various factors and assumptions, all of which are difficult to predict and many of which are

beyond our control, including technological advancement, development of climate-related measurement

methodologies, varying decarbonization efforts across economies, governmental or regulatory action, geopolitical factors impacting global energy needs, challenges of balancing emission reduction targets with an orderly, just and inclusive transition, evolution of customer behaviour, our ability to gather and verify data, the participation of various stakeholders or our ability to implement various initiatives across our global operations within a specified timeframe. We may review our emissions reduction

goals and targets if necessary and as appropriate, as data quality and methodologies improve, as assumed societal progress on emissions reduction progresses, as assumed decarbonization technologies materialize, and as best practices, regulations and climate science continue to evolve. Further, for IFC to meet its target of

achieving net zero GHG emissions by 2050, IFC may need to purchase renewable energy credits for our electricity consumption and carbon offset instruments for residual emissions. The market and methodologies for generating these instruments is developing and their availability

may be limited. These instruments are also subject to invalidation, reversal, or changes to applicable regulations and standards that may impact the possibility to use such instruments. "Carbon neutral" and "net zero" GHG emissions legislation, regulations, taxonomies, standards, and definitions are evolving. As a result, IFC's use of these terms may vary over time.





















All of the forward-looking statements included in this report are qualified by these cautionary statements, those

made in the section entitled Risk Management on pages 53 to 72 of our Management's Discussion and

Analysis for the year ended 31 December 2025 ("MD&A") and the notes on our operations and investment GHG emissions estimates on pages 82 - 85 of this report.

Unless otherwise indicated, all forward-looking statements in this report are made as at 23 April 2026, and are subject to change after that date.

No representation or warranty, express or implied, is or will be made in relation to the accuracy, reliability or

completeness of the information contained in this report.

Disclaimer: Intact Financial Corporation, Belair Insurance Company Inc., Brokerlink Inc., Intact Insurance UK Limited, On Side Restoration Services Ltd. and their respective affiliates own and/ or use a number of trademarks

in connection with their business operations. These trademarks (both registered and unregistered) are the exclusive property of Intact Financial Corporation, Belair Insurance Company Inc., Brokerlink Inc., Intact Insurance UK Limited, On Side Restoration Services Ltd. and/or their respective affiliates.

©2026 Intact Financial Corporation. All rights reserved. Terms "material" and "materiality" as used in this report are not equivalent to similar terms under applicable securities laws and should not be read as rising to the level of materiality of disclosure required in our securities law filings.



















2025 Intact Social Impact and ESG Report 3





‌About us

We're motivated by our Purpose

We are here to help people, businesses and society prosper in good times and be resilient in bad times.

We're driven by our Values

Our Values guide our decision-making, keep us grounded, help us outperform and are key to our success.



Integrity

Be honest, open and fair

Set high standards Stand up for

what is right

Respect

Be kind

See diversity as a strength

Be inclusive and collaborate

Customer-driven

Listen to our customers

Make it easy, find solutions

Deliver second-to-none experiences

Excellence

Act with discipline and drive to outperform

Embrace change, improve every day

Celebrate success, yet remain humble

Generosity

Help others

Protect the environment

Make our communities more resilient

We're guided by our core belief

A belief that insurance is about people, not things.

2025 Intact Social Impact and ESG Report 4





‌What we do

Intact Financial Corporation (TSX: IFC) is a global provider of property and casualty insurance founded on core values and a belief that insurance is about people, not things. Intact's success is fuelled by its

32,000 employees worldwide who embody the company's purpose: to help people, businesses and society prosper in good times and be resilient in bad times. To achieve its ambitions, Intact seeks to ensure customers are its advocates, its people are engaged and the company is one of the most respected.

Intact is the largest provider of property and casualty insurance in Canada and has successfully exported its strengths across North America, the UK and Europe. Its growing commercial and specialty solutions network now spans over 150 countries. With a customer-driven mindset, Intact has expanded its operations to include insurance distribution, restoration and prevention.

Intact solidifies its outperformance by leveraging its competitive advantages: global leadership in data and AI for pricing and risk selection; deep claims expertise and integrated supply chain network; and strong capital and investment management. Intact's total annual operating Direct Premiums Written (DPW) has tripled over the last decade to $25 billion.

2025 Operating Direct Premiums Written1

Our P&C segments Our lines of business2

12%

19%

UK&I

27%

Specialty Lines

$25.1B

29%

Personal Auto

69%

Canada

US

$25.1B

25%

Commercial Lines

19%

Personal Property

  1. See Section 28 - Non-GAAP and other financial measures of Intact's Q4-2025 MD&A for more details, available at intactfc.com/investors/quarterly-reports.

  2. Commercial refers to Commercial lines excluding Specialty lines, as the latter is presented separately. Personal lines in Ireland represent 1% of our IFC business and is included within UK&I Commercial lines.

2025 Intact Social Impact and ESG Report 5



‌What we aim to achieve



3 out of 4 customers

are our advocates

4 out of 5 brokers value our specialized expertise

Our customers are our ADVOCATES

Our people are

ENGAGED

We are a best employer

Our employees and leaders are representative of the communities we serve

3 out of 4 stakeholders recognize us as leaders in building resilient communities

Achieve Net Zero by 2050, and halve our operations emissions by 20301

Our company is one of the MOST RESPECTED

Exceed industry ROE by 5 pts

Grow NOIPS 10% yearly over time

1 There are a variety of factors and assumptions, many of which are beyond our control, that make it difficult to predict future progress. As we move through this transition, it is expected that our commitments, and the policies, guidelines and practices that will help us achieve them, will

also evolve. This is a forward-looking statement. See "Cautionary note regarding forward-looking statements" on page 3.

2025 Intact Social Impact and ESG Report 6



‌2025 strategic highlights

For details of performance against our financial objectives see our Annual Report available at intactfc.com.

Our customers are our ADVOCATES

3 out of 4 customers are our advocates

76%

of our Personal lines customers who had a transaction with us are our advocates.1

4 out of 5 brokers value our specialized expertise

92%

of brokers in Canada, US and the UK value our specialized expertise.2

Our people are ENGAGED

We are a Best Employer3

10th year

in a row in Canada.

7th year

in a row in the US.

1st year

in the UK and Ireland.

Representative of the communities we serve

39%

of VP+ positions at Intact are held by women globally.

17%

of VP+ positions at Intact4 are held by employees who identify as a Black person or a person of colour (BPOC).

Our company is one of

Grow NOIPS 10% yearly over time

Exceed industry ROE by 5 pts

3 out of 4 stakeholders recognize us as leaders in building resilient communities

Achieve Net Zero by 2050,8 and halve our operations emissions by 2030

the MOST RESPECTED

12%

NOIPS CAGR over the last decade, with an annual NOIPS5 of $19.21 for 2025.

6.7 points

of industry ROE outperformance5, 6

over the last 10 years.

68%

of stakeholders in Canada believe Intact is a leader in helping build resilient communities.7

63%

of stakeholders globally believe Intact is a leader in helping to build resilient communities.7

33%

reduction in our operations emissions since 2019.9

  1. We track transactional advocacy scores amongst personal lines customers only. Our commercial and specialty lines customers are not included in these scores.

  2. Voice of the Broker is an annual study that captures brokers' perspectives. It measures broker satisfaction, benchmarks performance against competitors, and reveals actionable insights that inform our strategy to continually enhance broker satisfaction with our products and services.

  3. Measured by Mercer, a global HR consulting firm.

  4. Excludes On Side Restoration and Intact's Hong Kong office. BPOC data only available in Canada and US. This is not collected in the UK&I due to legal restrictions in certain jurisdictions.

  5. See Section 28-Non-GAAP and other financial measures of Intact's Q4-2025 MD&A for more details, available at intactfc.com/investors/quarterly-reports.

  6. The 2025 outperformance figure is an estimate that reflects Q3-2025 industry YTD data. Final 2025 outperformance metrics will be available in the Q2-2026 MD&A. See Section 17.2-Exceed industry ROE by 5 points in the Q4-2025 MD&A for more details, available at intactfc.com/investors/annual-reports.

  7. Results based on our 2025 Resilience Barometer. Note that there was a methodology change in 2025. For more information, see page 38.

  8. There are a variety of factors and assumptions, many of which are beyond our control, that make it difficult to predict future progress. As we move through this transition, it is expected that our commitments, and the policies, guidelines and practices that will help us achieve them, will also evolve. This is a forward-looking statement. See "Cautionary note regarding forward-looking statements" on page 3.

  9. Includes Scope 1, Scope 2 (market-based), and Scope 3 (business travel, waste, water and paper). On Side Restoration emissions are reported separately. For more information on GHG emissions see page 80.

    2025 Intact Social Impact and ESG Report 7



    ‌Our roadmap

    If our objectives are what we are aiming to achieve, our strategic roadmap tells us how we are going to get there. It prioritizes our actions and ensures our company works together to achieve outperformance.

    We shape our strategic direction by looking at what is changing around us and where we can have the most impact in response.

    Key trends we think will shape society and our customers for the coming decade:

    • Social and geopolitical pressures are rising, driving instability.

    • Severe weather is becoming more frequent and intense.

    • The accelerated adoption of new technologies, such

      as artificial intelligence, is reshaping how we work, move, and live.

    • Customers and brokers want simpler, faster, and better value in their interactions with us.

    • As employee expectations evolve and the population ages, workforce dynamics are shifting.

By understanding these external dynamics, we assess how our strengths, expertise, scale, and resources position us to deliver second-to-none experiences for our customers, drive outperformance, and enhance our impact on society.

10%

NOIPS

Transform our competitive advantages & solidify outperformance

Global leader in leveraging data and AI for pricing and risk selection

Deep Claims expertise & strong supply chain network

Strong capital & investment management expertise

growth annually over time

Expand leadership position in Canada

Leading customer 3 out of 4 customers experience digitally engaged

Scale in distribution

Further consolidation in Canada

Outperform industry combined ratio by 5 pts

Strengthen leading position in UK & Ireland

Leading broker & customer experience

Expand broker distribution

Optimize underwriting & claims for outperformance

Responsive and agile technology and operations

Low 90s combined ratio

Build resilient communities

Leverage our strengths to win on climate

Invest in our community

*Based on a weighted-average ROE benchmark of leading P&C insurers in Canada, the US and the UK.

500bps

Build a Specialty Lines leader

Specialized customer value proposition

Expand distribution

Profitable & growing mix of verticals

Consolidate fragmented market

Sub-90s combined ratio

Enable our people to thrive

Be a destination for top talent & experts

Be a best employer

Invest in our people

Annual ROE Outperformance*

2025 Intact Social Impact and ESG Report 8





‌How we structure our report

Our report is divided into two halves:

  1. Performance on our strategic objectives:

    Intact operates with one set of global objectives, blending financial and non-financial goals as we find the

    intersections between helping society and winning in the marketplace.

    Intact's strategy is focused on three objectives-our customers are our advocates; our employees are engaged; and our company is one of the

    most respected.

    The first half of the report highlights areas where we believe our business can create the most meaningful impact and demonstrates how these efforts align with our broader business strategy. It explains how each of our three objectives is guided by our Values and firmly

    rooted in our Purpose: to help people, businesses and society prosper in good times and be resilient in bad times.

  2. ESG performance:

    The second half of the report outlines key areas of environmental, social and governance (ESG) performance

    that are most relevant to our business.

    This half includes data tables and metrics on ESG topics, an overview of the frameworks that guide our reporting, and the standards and policies we adhere to. These elements showcase how we apply our Values throughout

    the entire value chain of our business.

    Our most recent stakeholder engagement exercise completed in 2023 confirmed that focusing on customer service, enabling our people to thrive, and helping society build resilience to climate change, are aligned with stakeholder expectations of Intact.

    2025 Intact Social Impact and ESG Report 9

    ‌2025 has been described as a year of remarkable disruption. What stood out in the global landscape?

    Charles: This past year reshaped many assumptions. Trade tensions escalated, geopolitical alliances evolved, and social unrest increased. We also saw AI accelerate at an extraordinary pace and start to reshape the economy and workforce. And despite meaningful progress on the energy transition, the world passed the 1.5°C threshold sometime between 2023 and 2025,1 with severe weather now affecting communities across the globe.

    Intact's strategy is centred on where long-term trends and our strengths intersect. Building resilience against adversity is critical for long-term success. Our business is set up to withstand risk and a good gameplan is the most effective form of risk management. It's what we do best. In 2025, we navigated market volatility and new trade barriers that put pressure on supply chains. We stress-tested our business against many scenarios so we can continue to deliver in good and bad times. That commitment to resilience helps ensure we can show

    up for customers even during their most challenging moments.

    Bill: Our strategy at Intact is anchored in the long-term implications of the trends we see today. It's about staying laser focused on innovation in a period of uncertainty and change. We can make bold decisions because we plan for tough situations and help our customers do the same, while positioning the organization to make the most of opportunities that come with disruption. Strengthening the supply chain, for instance, was about reinforcing our

    ability to source the products needed to resolve home and auto claims. When we know we can deliver, we can meet expectations and get people back on track faster. That's why we are able to continue to outperform, even when facing into these difficult geopolitical headwinds.

    Climate change remains a central feature of that global landscape. How bad is the situation?

    Charles: Extreme weather is now part of our reality. For the sixth year in a row, insured catastrophe losses reached more than USD$100 billion in 2025. The last 11 years have been the warmest on record.2 Canada's 2025 wildfire season was the second worst in terms of geographical size, with 8.9 million hectares burned.

    At Intact, we see firsthand how customers are living through events that change lives. Our teams were on the front lines of extreme weather, including the devastating wildfires in Atlantic Canada, repeated flooding in the UK, European heatwaves, and severe ice storms in Ontario and Quebec.

    What lessons do you draw from seeing that very real impact of climate change on customers and communities?

    Charles: For Intact it means doubling down on protecting customers from climate disasters. We've transformed our business so that we are there for the long-term. Future-proofing is a core part of our product strategy. We've built the internal capacity to host our own future risk maps.

    We've invested in geospatial and modeling capabilities to continuously refresh climate views, speed up decision-making, and tailor risks at scale. Through acquiring and expanding On Side Restoration-our wholly owned restoration company-we have been able to respond more effectively to the increasing volumes of claims stemming from natural disasters.

    But insurance companies can't tackle this crisis alone.

    We need an all-of-society approach. I think both the public and private sectors have a role to play. Clear principles point the way for successful public-private partnerships when it comes to climate change: focus on the highest risk communities, prioritize support for vulnerable populations,

    1. '1.5°C: what it means and why it matters', United Nations.

    2. 'WMO confirms 2025 was one of warmest years on record', World Meteorological Association, 10 January 2026.

2025 Intact Social Impact and ESG Report 10

From risk to resilience

Intact CEO Charles Brindamour and Chair William (Bill) Young reflect on a year of change for our business, our people, and society.

Charles Brindamour

Chief Executive Officer

William (Bill) Young

Chair, Board of Directors





"Our success in 2025 wasn't a matter of luck. It reflects a disciplined, long-term strategy."

in high-risk areas. We've also invested heavily in applied research that can be scaled nationally through the Intact Centre on Climate Adaptation at the University of Waterloo. Intact is bringing expertise, practical tools, and

public awareness, but we need governments, community leaders, and businesses to help put those solutions into action.

How does your investment in digital tools help to build resilience?

Charles: Customers want real value, delivered simply and quickly, whether they're interacting with us online or in person. One in three people shop online globally, rising

to closer to four in five in developed markets.2 More than 70% expect personalized experiences, and three in four will switch providers if their expectations aren't met. We see that as an opportunity. From the first quote to claim

resolution and everyday value-added features, we invest

with career plans. In return, we ask employees to help drive Intact's success. That mutual commitment builds trust and confidence, especially when the world feels so uncertain.

Charles: Leadership is also a priority. We choose leaders who live our Values and who care for their people. We expect them to create space for open and candid conversations. It requires fearlessness, owning the outcome of decisions no matter the circumstances, and relentlessly challenging the status quo. Setting clear expectations and a strong sense of purpose helps people thrive despite the headwinds. You can see it in the results: high engagement, strong leadership development and retention, and a majority of leadership roles filled internally. Those are meaningful signs of how our people feel about Intact and its purpose.

We are facing big societal challenges,

modernize building codes, identify no build zones, and standardize proven resilience measures, such as flood protections, so we build in the right places with the long-term in mind. Above all, we need to invest more in adaptation. Every dollar invested can prevent two

to ten dollars in losses.1

Are there actions that customers or communities can take to protect themselves?

Charles: Our own research confirmed that people know they need to prepare their homes and communities for extreme weather, but often aren't sure where to begin. That's why in 2025 we launched the Keep it Intact prevention hub in Canada, which offers simple, practical steps to help people protect their most important asset, their home.

Through the Intact app we've tracked more than 110,000 preventive actions people have taken at home. We also invested in the growth of Jiffy, which expanded

  1. 'How capital can be mobilised towards climate adaptation', Standard Chartered, 23 April 2024.

  2. 51 eCommerce Statistics In 2025 (Global and U.S. Data), 19 June 2025.

to Vancouver, Edmonton, and Montreal in 2025, extending its reach to half of Canada's population. Now Canada's leading home maintenance app, Jiffy provides access

to highly-rated home service professionals to complete home maintenance and repairs. This opens avenues for us to help make customer's homes more resilient to severe weather which, in turn, can help prevent claims. Those small, everyday steps individuals take add up to stronger, more resilient communities.

Bill: Intact is committed to backing resilience with real investment and measurable results. Since 2010, we've committed over $40 million to 150 climate adaptation projects globally. We want that to help stimulate additional funding to crowd in those broader societal benefits that Charles spoke to.

Scaling local solutions is critical as municipalities face climate risks directly. Through our Municipal Climate Resiliency Grants, we have committed to supporting 38 communities in Canada with over $3 million for the

period 2025 - 2027, helping implement proven measures

in digital tools that put the customer experience at the heart. That includes expanding tools that reward positive behaviours and help to prevent loss before it happens.

Bill: Putting customer and broker advocacy at the centre of how Intact judges performance shows how

fundamental the experience is to us, whether online or in person. When we anchor our strategy to these enduring commitments, we stay focused on what matters most to customers, to the business, and to our people. That clarity has been a key driver of Intact's outperformance.

Intact's people face the same global challenges while showing up for customers. How do you help them stay grounded?

Bill: Engagement is central to Intact's success, it's people that are the reason we outperform. Being recognized as a Best Employer for the tenth year in a row in Canada, the seventh in the US and for the first time in the UK, reflects an ongoing investment in our teams and their future. Our promise is to provide opportunities to grow and support

Charles. How will Intact achieve its ambitious goals while helping people and communities respond?

Charles: Our success in 2025 wasn't a matter of luck.

It reflects a disciplined, long-term strategy. We tune out the noise and focus on deep trends, such as the impact of climate change and the rapid adoption of AI. Then, we focus on where the deep trends intersect with our

strengths. We combine those principles with a workforce grounded in Values and operational excellence and this gameplan allows us to help and win wherever we operate. With steady execution and clear priorities, it's clear we can continue to turn this age of disruption into opportunity.

2025 Intact Social Impact and ESG Report 11



‌Our customers are our advocates



Our customers are our advocates

Intact has distinguished itself as a leading insurance brand.1 Our reputation extends beyond brand-in Canada our customers have consistently ranked us as the

most trustworthy brand in Auto and Home insurance.2

In challenging times, we stand by our customers, offering vital assistance following life events. Intact blends hands-on support with digital solutions and maintains a strong supply chain and a distribution network that provides the options, insight, and quality our customers expect.

  1. Ipsos Brand Tracking.

  2. BrandSpark Most Trusted Brands 2026. Intact ranked number one in Home insurance, and tied for first place in Auto.

2025 Intact Social Impact and ESG Report 12



‌Our customers are our advocates | Personal Lines

Personal Lines

Leading customer experience

Our Personal lines customers are value-focused individuals or households seeking coverage that protects for everyday risks. They range from renters to established homeowners and increasingly desire digital self-service tools that are complemented by broker or direct support.

Intact's scale in distribution means we can provide coast-to-coast access to products and services that meet

the needs of this diverse customer base. This ranges from those comfortable with the self-service, insurance simplified, model of our belairdirect brand to those on the hunt for more tailored advice and cost-conscious deals with guidance from an informed and engaged broker network.

76%

of customers who had a transaction

with us are our advocates.1

No matter what type of customer they are, we strive to create initiatives that build their resilience and reduce their risk, together with proactive communication, and fast and transparent claims handling processes to help them get back on track when things go wrong. Our strategy of in-sourcing the claims handling experience means we have not only been able to reduce the time it takes to get a customer back on track, but also reduce the cost to them. Combined with our investment in market-leading digital tools, our approach to customer service underpins our strong customer advocacy scores.

Customer Advocacy

Intact aims to have three out of four customers as our advocates, with service at the cornerstone of our value proposition. Intact's customer advocacy is measured through the Net Promoter Score (NPS), a widely adopted standard to measure the strength of the customer's relationship with our brand.2

Advocacy is an important area we monitor closely as it's an engine for both positive word of mouth-a top reason for contacting an insurer-and retention. Referred customers are also more likely to be our advocates. In 2025, our advocacy score among customers who had a transaction with us remained strong at 76%, consistent with the

prior year.1

We continued to improve upon our customer experience and service quality, boosting key advocacy drivers such as:

  • Seamless support

  • Responsive and knowledgeable agents

  • High-quality interactions

  • Fast resolutions

    We strengthened digital tools with better platform stability, billing, automation, and clearer guidance through claims-making interactions simpler and more reliable.

    We are exploring new, positive ways to engage customers and increase advocacy. Through our investment in the home maintenance app Jiffy, we are providing access to prevention measures that will help customers protect their property from the impact of severe weather events. We are also investing in frequent, high-quality touchpoints, giving customers more reasons to recommend us.

    1. We track transactional advocacy scores amongst Personal lines customers only. Our Commercial and Specialty lines customers are not included in these scores. We aim to measure our advocacy score by asking after each transaction: "Based on your overall experience, how likely are you to recommend our brand to family and colleagues?" Our advocacy score represents the percentage of customers who answer "very likely" (i.e., 9 or 10 on a 0-10 scale).

    2. Two out of three Fortune 1000 companies use NPS.

"I dealt with a wonderful claims employee. Her

caring, non-rushed phone conversation with me was honestly a much-needed experience. I was still not feeling well about what had transpired over the previous eight days in

my wildfire evacuation process. She actually cared about what I had to say and was very empathetic towards me."

-Intact customer, Ontario

2025 Intact Social Impact and ESG Report

13





‌Our customers are our advocates | Personal Lines‌

Personal Lines

Our customers are digitally engaged

By leveraging our leading data and AI capabilities and deep claims expertise, we are reimagining the insurance experience to

Empowering customers through digital tools



simplify the customer journey and anticipate evolving risks.

We have an ambitious goal to digitally engage three out of four Canadian customers and deliver the convenience and simplicity that converts customers into advocates.

We are putting the customer experience front and centre. From the first quote to claim resolution, and through everyday added-value features, customers can move through their journey with confidence, supported by digital tools designed to be intuitive, frictionless and enjoyable.

Buying

Buying insurance should be simple. Our digital channels and automated tools in Direct

Distribution make it simple for customers to get a quote, compare options and purchase coverage in minutes. Features like Coverage Advisor offer personalized guidance, helping customers to choose the right protection package for their needs and buy with confidence.

With nearly 75%

of Direct Distribution quotes completed online and with exclusive web discounts, we are breaking down barriers and making protection more accessible to Canadians.

Managing

Customers increasingly choose to manage their insurance online, and we continue to enhance the digital features that matter to our customers. Our Client Centre and mobile app make it easy to manage policies, update billing, and file claims.

845,000

digital self-service transactions completed in 2025.

1 in 4

auto policy changes were completed online in 2025.

Getting support

Our customers also receive reassurance when they need it most, and can count on a simpler, faster claims experience. Submitting a claim online can be done within minutes, with built-in guidance and real-time status updates. Tools such as Crash Assist provide instant help after an accident-from roadside support to claim submission-giving customers confidence

that they are supported and kept informed end-to-end.

1 in 5

claims were filed digitally and more than two in five claims were followed up digitally in 2025.

3 million

clients with a digital account.

35 million

Client Centre or belairdirect / Intact app visits.

App rating of

4.6 out of 5

on Apple Store

4.4 out of 5

on Google Play

2025 Intact Social Impact and ESG Report 14



Our customers are our advocates | Personal Lines

Delivering value in everyday life

Insurance can do more than protect-it should help customers live more safely and confidently

every day. That is why we continue to expand our suite of digital tools that reward positive behaviours and help prevent loss before it happens.



"Call Quality leverages the benefits of AI while maintaining and deepening personal,



Rewarding safer driving

Through Usage-Based Insurance (UBI), customers receive personalized insights on their driving behaviour and can take control of their premium by turning safer driving into tangible rewards.

Prevention and everyday support

Prevention is part of our experience, not an afterthought. Our growing ecosystem of digital prevention tools and partners are helping customers stay safe, informed and prepared.

In 2025,

3 out of 4

UBI users earned a premium reduction, and

1 in 2

new customers chose to enrol in UBI.

450,000

active UBI customers.

For more information, see page 17.



One touch process for total loss auto claims

When a customer opens a claim on a vehicle loss, it's usually an emotional experience

for them. A traumatic event is even more difficult when they find out that their vehicle is unrepairable. Intact's One Touch process for Total Loss auto claims gives our adjusters the ability to quickly manage these claims, often providing a settlement on the first call to help our customers get back on track.

Enhancing call quality

Our Contact Centre agents strive to deliver an efficient and human-centric customer experience during each call. The Intact Lab

saw an opportunity to enhance those important customer interactions and developed Call Quality, a proprietary AI-based tool.

The tool provides an automated assessment of how a call plays out, which allows us to make targeted changes, leading to a positive impact on customer service. Since implementing the tool, we have seen a ten second reduction in overall call duration and enhanced customer satisfaction.

human connections with our customers. It helps us to quickly hone in on

specific elements in a vast quantity of calls, pulling insights and then providing our Contact Centre agents with enhanced, targeted coaching at a greater frequency."

Simon Marchesseault-Groleau, Vice President, Corporate Claims

2025 Intact Social Impact and ESG Report 15



‌Our customers are our advocates

| Personal Lines

Building prevention into the Personal Lines experience

Understanding the challenges

In 2025, Intact commissioned a survey that revealed 57% of Canadians are thinking about or have taken some steps to protect their homes from extreme weather events, but only a small fraction, 9%, have implemented concrete actions.1

Barriers to acting include uncertainty about what steps to take, cost, and perceived lack of necessity. This

perception gap persists despite a record-breaking summer of catastrophic weather events across Canada in 2024, which saw $9.1 billion in insured losses and a 406% spike in insurance claims compared to the 20-year average.2

Personal lines prevention:

A continuous process

With the increasing frequency and severity of climate-related events, such as wildfires, floods, and hailstorms, property damage has become an ever-present risk. Taking preventative action is critical to protecting customers and communities from the worst effects. To that end, we are taking the following steps:

  1. Diagnose: Assess risks and needs to identify customer pain points.

  2. Equip: Provide practical resources and tools that enable proactive prevention.

  3. Connect: Enable access to trusted professionals by linking customers to vetted service providers.

  4. Safeguard: Provide protection when risks are near by deploying early-warning and response support.

  5. Learn and Improve: Close the loop to measure outcomes and assess feedback to refine resources and tools.

    Helping

    Helping you be climate ready.

    Helping you be climate ready.

    Helping you be climate ready.

    Helping you be climate r

    you be climate ready. Helping you be climate ready. Helping you be climate ready. Helping you be climate re

    1. Léger survey commissioned by Intact Financial Corporation and conducted from 20 to 22 June 2025, among 1,580 Canadians aged 18 and over. Results were weighted to ensure representativeness by gender, age, region, language, and household composition. Margin of error ±2.5%, 19 times out of 20.

    2. Insurance Bureau of Canada.

2025 Intact Social Impact and ESG Report 16





‌Our customers are our advocates | Personal Lines

Providing resources to drive action

To help people protect what matters most, we launched Keep it Intact-a national, long-term prevention program specifically designed to help Canadians adapt to the growing reality of extreme weather. Keep it Intact is a platform providing practical actions and recommendations tailored to the unique weather conditions affecting each user's area.

KeepItIntact.ca

In partnership with the Intact Centre on Climate Adaptation at the University of Waterloo, Intact helped to translate academic research into real-world guidance that helps homeowners take meaningful, preventative action to protect their homes and their neighbourhoods from the impacts of extreme weather events. With data-driven insights, the KeepItIntact.ca hub equips Canadians with education and planning tools, including over 70 risk-based tips by complexity and weather type.



Visits to the KeepItIntact.ca prevention hub: 486,000.

Home Helper feature

The Home Helper feature, available through the Intact Insurance app, helps our customers get ahead of risks associated with extreme weather events and protect their home. Canadian customers can:

  • Access easy-to-follow illustrated guidance

  • Keep up with maintenance tips for every season

  • Get reminders for seasonal tasks

  • Plan for repairs before problems occur.



Actions customers have taken at home, tracked via the Home Helper feature in the Intact mobile app: over 110,000.

Examples of tasks completed include unblocking dryer ducts, attic inspection, unblocking storm drains and roof inspections.

Engaging our employees

We know that our own people can act as ambassadors for the value of preventative action. An employee communications campaign has been launched to engage our people in the practical opportunities to improve the resilience of their own home and community and help them act as ambassadors for prevention measures.

Building broker capacity

Brokers are trusted partners in risk management. Alongside insurers they play a crucial role in helping customers understand climate risks and adopt practical adaption strategies. This year, we developed and launched two broker-facing climate education modules focused

on building resilience to a changing climate and the ways brokers can support their clients.



More than 1,000 brokers completed our climate education modules.

"It's not waiting for the next flood, wildfire, or heatwave to force a response. Keep it Intact empowers customers to prepare now and protect themselves against losing the things they value the most."



Frédéric Cotnoir, Executive Vice President and Chief Legal Officer, Intact Financial Corporation

We are also enabling communities and businesses to adapt to climate change. For more information, see pages 39 - 42.

2025 Intact Social Impact and ESG Report

17







Our customers are our advocates

| Personal Lines

Providing a safety net when risks are near

After its pilot in 2024, we have expanded our partnership with Wildfire Defense Systems (WDS) to provide coverage in Alberta and mainland British Columbia. WDS is a preventive service offered to customers by Intact when their property is threatened by a wildfire, at no additional cost. It can include removing materials from around the property that may fuel a fire, like firewood and propane tanks. This can reduce damage caused to customer homes and property and can also help reduce the spread of fire.

In 2025, WDS personnel responded to 10 wildfires, performing more than 200 visits to Intact customers.

Providing access to trusted professionals

The Keep it Intact hub also provides access to trusted professionals via the Jiffy app. Jiffy joined the Intact family in 2024 providing customers access to pre-vetted, highly-rated home service professionals to complete home

maintenance and repairs. This opens avenues for us to help make customers' homes more resilient to severe weather through preventative actions such as cleaning eavestroughs, installing sump pumps, and repairing leaky roofs.

Canada's now leading home maintenance app doubled its market presence in 2025 by expanding its services across Vancouver, Edmonton and Montreal. Its footprint now reaches half of Canada's population.

"Quick and efficient from the initial booking to a job well done."

Wildfire Defense Systems: In late May 2025, the Edith Lake Fire threatened Swan Hills amid extreme heat, low humidity, and erratic winds. WDS mobilized Fire Watch Officers and crews, delivering pre-loss interventions once access was granted. Teams enhanced the properties' resilience by establishing ember-resistant zones. They relocated wood piles, fuel tanks, furnishings, and refuse, trimmed tall grasses, and cleared leaf litter to prevent ember ignition. They also taped exterior vents and secured windows and doors to limit the infiltration of smoke and embers into the structure. Between

27 May and 3 June, WDS visited Intact customer homes, performing loss-prevention actions followed by rehabilitation services as needed.

-Jiffy Customer

2025 Intact Social Impact and ESG Report 18

| Commercial Lines

‌Commercial Lines

Leading broker and customer experience, Canada

Our Commercial lines customers are typically small to medium-sized businesses seeking scalable protection for property, liability, business interruption, commercial auto,

and specialized risks. They rely on the right combination of broker-led advice and digital support, dependable risk management guidance, clear underwriting and responsive, industry-specific claims service. Our aim is to provide them with the stability, expertise, and efficiency of managing their policies through one great provider.

We make it easy to work with us-by phone, email, or self-service-and we leverage people, technology, and innovation to quote and bind faster, with most solutions delivered within 24 hours.

As we continue the transformation of our legacy systems in Commercial lines, we are incorporating more functionality into Contact CL, our Commercial lines platform. The system allows brokers to be more efficient and sell more quotes faster. 87% of brokers find the tool easy to use and intuitive, and 85% of brokers find it easy to enter quotes and use the automated quote entry tool.

Nearly three-quarters of Commercial lines quotes now go through a new AI quoting tool, which parses documents and unstructured data to eliminate duplicate entry for brokers, increasing the speed to quote new business submissions.

"Intact was the only market that could support all three of my customer's operations-excavation, demolition, and snow removal. Their underwriter understood the complexity and brought the right mix of flexibility and expertise to deliver a solution that truly fit."

-Dory Di Fiore Commercial Marketing and Development Manager, Canadian Insurance Brokers Inc.

Our Canadian Commercial lines offering equips brokers with comprehensive, scalable solutions that help their customers thrive and strengthen resilience, delivering both immediate and long-term value. That means a single, integrated product, offering more than 50 coverages for over 1,000 types of small, medium, and large enterprises in Canada. We tailor limits and structures to fit evolving needs, finding solutions for customers that address scale and complexity.

Our commitment to providing trusted, proven expertise shows up where it matters most: more than 100 risk control professionals in Canada helping to prevent losses and build resilience before risks materialize, together with a diverse claims team focused on resolving claims quickly so customers can get back on track.

2025 Intact Social Impact and ESG Report 19

Our customers are our advocates | Commercial Lines

"For complex risks, we stand shoulder-to-

shoulder with brokers, problem-solving every step of the way to design sustainable coverage and risk management strategies that reduce risk, support continuity, and help build resilient businesses."

Natalie Higgins, Senior Vice President

and Chief Operating Officer, Intact Insurance

Mark Heiderich, Manager, Risk Control, and Hiroshi Ariyama, Senior Risk Control Consultant, at a closed Intact insured establishment in Kelowna during the 2025 wildfire campaign.





Our customers are our advocates | Commercial Lines

Commercial Lines

Leading broker and customer experience, UK

Our UK business engages with a diverse customer base reflecting a wide range of sectors including engineering and renewable energy, agriculture, motor fleet and trade, hospitality, property, construction and the public sector. Our ambition is to be the UK's best commercial lines insurer, outperforming the market and leveraging our expertise and service, from risk prevention through risk control to responsive claims support.

In 2025, we invested heavily in agile technology and operations, enabling us to enhance our broker and customer offer. We increased visibility, optimized processes to respond more quickly, and enhanced our e-trading capabilities, all while retaining our regional focus.

Embracing the power of technology, we became the first UK insurer to implement Guidewire Cloud,1 which has transformed our claims handling with real-time analytics, faster payments processing and agility in response to emerging trends.



We have transformed the ease of doing business with us, doubling our quote rate and improving service response times through the deployment of an underwriting workbench. However, new technology and processes alone won't help us to achieve our outperformance goals. That's why we have also invested in our engaged and talented workforce.

Through Intact's acquisition of NIG in 2023, we onboarded 750 employees-enabling us to further strengthen our expertise.

Intact Insurance was voted as the

No. 1 insurer in the UK

for Commercial Claims by brokers.2

They recognized improvements in

communication and speed of service following the launch of online claims portals and the expansion of in-house loss adjusting.

  1. 'RSA becomes first UK insurer to implement cloud solution for claims', RSA Insurance, 7 August 2024.

  2. 'Brokers vote our commercial claims service as number 1', Results of our Broker Voice Survey - Intact Insurance UK, 1 December 2025.

2025 Intact Social Impact and ESG Report 20

Hiroshi Ariyama, Senior Risk Control Consultant, piloting a drone during the 2025 wildfire campaign in Kelowna

to conduct an aerial assessment of a location and area.





‌Our customers are our advocates

| Commercial Lines

Risk control support for Commercial and Specialty Lines customers

Risk control is a key feature of our prevention tool kit for customers. Our risk control teams complete risk assessments for customers, which helps to build resilience and reduce claims severities.

This team now completes approximately 45% of Canada Commercial lines inspections remotely, enabling us to extend our reach to more customers.



Intact's global risk control and engineering team is on the ground in key markets, including the US, UK and Canada, and services customers globally. In Canada, our team is the largest in the market. The team provides proactive, on-the-ground support for commercial, mid-market, and large businesses with specialized know-how across a range of sectors.

In summer 2025, 15 risk control team members hit the ground running in wildfire-prone areas to deliver one of Intact Insurance's most targeted wildfire field and remote initiatives to date.

Equipped with wildfire technical knowledge, robust risk control guidelines, drones and a commitment to helping our customers reduce their wildfire risk

exposure before disaster strikes, the team assessed 225 locations in three high-risk regions in Western Canada: Kamloops and Kelowna in British Columbia and Fort McMurray in Alberta. They conducted tailored analysis, offering practical, site-specific advice to help businesses prepare for the rising threat of wildfires.

Customers were provided with face-to-face and virtual support and specific actionable steps they could take to strengthen their wildfire readiness, such as moving all combustibles at least 10 meters away from buildings and ensuring that roofs and gutters are debris free. Where specific vulnerabilities were identified, customers were given personalized advice to help mitigate their risk of wildfire damage. In an environment where natural disasters often feel out of

one's control, this initiative offered clarity, reassurance, and empowerment.

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‌Our customers are our advocates | Global Specialty Lines

Global Specialty Lines

Putting Ocean Marine insurance at the heart of the transition to a low emissions and climate-resilient future

Our specialized value proposition

The key to success of our Global Specialty lines business lies in its exceptional team. This group is composed of highly-skilled individuals, including underwriters and risk control specialists with a keen understanding of emerging risks, as

well as operations, actuarial, and IT professionals who keep us at the forefront of the industry.

Our team members are more than just experts; they are collaborators, innovators, and trusted partners to both brokers and customers. With many employees possessing decades of industry experience, they combine extensive technical expertise with a strong dedication to tackling complex challenges.

"Today's risk environment is evolving faster than ever, and brokers are expected to lead through it-often with fewer resources and higher expectations. At Intact, we view our role as more than a carrier. We're a partner helping brokers stay ahead-through insight, speed and solutions designed for what's next."

As a leading provider of marine insurance coverage, we have a front row seat on the dramatic shifts unfolding across ports and shipping. Climate change is impacting shipping routes, damaging infrastructure and straining global supply chains.1 If a major port shuts down for 24 hours, the knock-on effect can

be felt across global supply chains for weeks. This is not just about protecting ships and cargo; it's about building business continuity and resilience into global trade. Our priority is understanding how the risks that fuel these disruptions are evolving and how we can respond with solutions that protect and enable our customers to adapt.

As well as shipping, ports are also engaging in the energy transition. Whilst experiments with new fuel sources and new storage and handling infrastructure is welcome, our role is to understand and keep pace with the risks that invariably follow that transition.

Our marine risk consulting teams are developing tools and analytics that go beyond loss histories, to think more broadly about resilience, and rewarding those efforts.

"There is a structural shift happening in ports and shipping around infrastructure resilience and energy.

As an insurer, I no longer think

of our job as just covering losses. We must enable innovation and help our clients navigate the path to resilience. That includes understanding new fuels, building policies around new infrastructure, and shaping products that reward resilience."



Calvin Gray, President of Global Marine, Intact Insurance Specialty Solutions

Lynn O'Leary, Executive Vice President and Chief Operating Officer, Intact Global Specialty Lines



1 '2024 Review of maritime transport: Navigating maritime chokepoints.' United Nations Conference on Trade and Development, 2024.

2025 Intact Social Impact and ESG Report 22





Our customers are our advocates | Global Specialty Lines

Using innovation to manage risk to the rail industry

Rail infrastructure plays an essential role in the economy by facilitating efficient transportation of people, goods, and services. In the UK, the railway network was constructed to endure, but increasingly severe weather events, such

as flash floods and temperature fluctuations, test the resilience of rail infrastructure. Heavy rainfall can lead to ground deformation, while extreme heat can cause

rails to buckle. Rail operators require robust, future-ready insurance programs supported by extensive technical expertise and innovation to tackle these emerging issues.

We are deeply involved in this crucial industry in the UK, employing a creative and informed approach to risk assessment. For example, we are piloting the use of technology, like satellite monitoring, to detect subtle ground movements around rail infrastructure. These

movements may occur gradually, as soil creep that edges towards the tracks, or suddenly, in the form of catastrophic landslides due to heavy rain and debris washout. Early detection in both scenarios is vital.

"Our aim is to proactively assist clients in identifying these changes long before they cause disruptions, by providing near realtime insights which enable better decisions regarding construction and preventive measures."



Steve Medhurst, Global Rail Industry Specialism Leader,

Intact Insurance Specialty Solutions

We remain engaged with the industry's knowledge advancements, understanding the physical environment in which rail operates, and monitoring the supplier landscape for new technologies that can aid in mitigation efforts. These partnerships are crucial for us to offer comprehensive rail solutions, extending beyond traditional insurance options.

Turning the tide for a large telecommunications company

Faced with escalating fleet losses and a looming threat of uninsurability, a major telecommunications company came close to losing critical coverage. As claim frequency and severity skyrocketed, its future cover was at risk. But rather than turning them away, we took decisive action.

Our risk control team engaged collaboratively with their leadership team, pinpointing the root causes of their loss activity. Together, they crafted a structured service plan to fortify their fleet management. This involved creating standardized procedures for driver behaviour

monitoring and accident investigation, backed by persistent follow-up and ongoing risk control support. The results were transformative, including stabilization of the client's business and reduced losses.

Our risk control team's competency stems from deep industry knowledge, enabling them to swiftly identify red flags and propose practical solutions attuned to real-world business

constraints. More than just experts, they prioritize actionable insights, helping clients address key exposures with confidence. By engaging as advisors rather than inspectors, they foster trust and continuous improvement.

Today, the team operates as a regionally focused, cross-trained unit that meets diverse local needs while maintaining deep specialization. Their work is strengthened by global knowledge-sharing, bringing in insights on emerging risks such as cyber threats. For brokers, this means better client retention, robust renewal packages, and year-round value.

"Our goal is simple: be seen, build trust, and deliver service that keeps brokers coming back."



Craig Collins, Head of Portfolio Quality Assessments and Risk Control, Intact Insurance Specialty Solutions

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‌Our customers are our advocates | Our deep claims expertise and strong supply chain network

Our deep claims expertise and strong supply chain network

No two days are the same, but our mission stays constant: to help people, businesses and society prosper in good times and be resilient in bad times.

In critical moments, our team is ready to act, helping customers regain their footing after a difficult, sometimes life-changing, experience.

Intact is proud to boast Canada's largest claims team, part of a global claims network employing 7,100 professionals.



More than 80% of our calls in Canada are answered within 20 seconds.

Our team's diverse expertise, which includes loss adjusters, lawyers, appraisers, and accountants, together with occupational therapists, physio and psychologists as part of our Accident Benefits team, enables us to deliver superior service, while minimizing delays and costs.

Through handling claims in-house we have been able to streamline our processes and eliminate unnecessary communication. Customers can quickly access the information they need via our digital tools, but always with the option to

engage directly with claims adjusters for detailed information on complex matters. This not only improves customer service and reduces the cycle time, but it also reduces the cost of claims.

When customers are facing the most difficult moments, that's where our investment in both our people and the resilience of our digital platform pays off. We witness the immense

collaboration when our claims teams are mobilized at scale-very often supported by many outside

of those teams-to respond to the impact of severe weather events. When combined with our digital tools-leveraging data to optimize file assignment, identify exposure, isolate where emergency response is most needed, and issue mass communication to customers where necessary-that's when Intact really shows the strength of its deep claims expertise and strong supply chain network.



"Being part of the claims team at Intact means supporting people during some of their most challenging moments with care, compassion, and integrity."

Matthew Speight, Senior Property Claims Adjuster

Atlantic wildfire, Canada

At 8.9 million hectares burned, 2025 was the second worst Canadian wildfire season on record.1 In the Atlantic region, uncontrollable fires were burning in places usually threatened by floods and hurricanes. At one point, Intact was monitoring eight out-of-control fires in areas where there were a significant number of customers. The Kingston fire in Newfoundland and Labrador was particularly

devastating, reaching 10,708 hectares and destroying over 200 structures in the area.

Intact received over 400 claims from the Kingston fire, which presented unique challenges due to the remote location. Many properties were difficult to locate as much of the area is served by a general delivery mail service. The Intact Lab guided our claims team to understand potential losses in

the area. Actuaries compared severity of known losses with fire behaviour mapping to extrapolate and estimate the potential damage to the whole community. Mobile telephone service was limited before the fire and worsened after it, which also complicated our response efforts. Our On Side Restoration team secured a trailer with satellite internet to support reliable communications with customers. Given the scale of our claims team, we were able to send adjusters, appraisers and claims experts to be on site in the communities, spending close to a month meeting with customers in-person.

Our response demonstrates the effectiveness of a collaborative approach across provinces and

teams. Intact dispatched adjusters from Nova Scotia and New Brunswick, appraisers from Quebec and Nova Scotia, and project managers from On Side from across the country to join those already on

the ground in Newfoundland. Intact colleagues nationwide were involved in responding to calls and providing remote support for customers. By year end, we had closed just under 53% of claims, and ten home rebuilds were already underway.

Aftermath of the Kingston, Newfoundland, wildfire in August 2025.

"We leaned on the invaluable experience of our Western region colleagues, particularly their insights from the devastating natural catastrophes in 2024 such as the fire in Jasper National Park, Alberta. They shared their full playbook of best practices with us. This really helped us prepare, so when the evacuation orders were lifted, we were able to mobilize immediately for our customers."

Meghan Gardner, Vice President, Claims, Atlantic

1 Canada's top 10 weather stories of 2025, Government of Canada.

2025 Intact Social Impact and ESG Report 24



Our customers are our advocates | Our deep claims expertise and strong supply chain network

Storm Claudia, South Wales, UK

In the UK we are committed to retaining our status as the number one operator in the Commercial claims market.

We will achieve this through a focus on our proposition and service levels, securing efficiencies through the internalization of claims processes, and with the continued roll-out of new digital support to brokers and customers.

In October, Storm Claudia put our approach to the test. With much of the town of Monmouth under water following the storm, a major incident was declared. Prior to the storm hitting the town we anticipated potential flood risks. We prepared ourselves by placing our Emergency Response Team (ERT) on standby, and ready to step in out of normal business hours if necessary. Suppliers were alerted to ensure rapid response options were available.

As flooding reports emerged from the town, we were able to leverage our GeoRisk team capabilities to identify affected customers and access ongoing exposure

mapping as the situation unfolded. Our first notice of loss team began registering claims and the ERT proactively contacted potentially affected customers, offering initial support. Resources were then mobilized to the site with adjusters meeting customers and evaluating damage, accelerating processes in the most urgent cases.

Communication was critical, both to local brokers so that they were aware of the proactive measures we were adopting, but also with end customers, many of whom suffered a potentially devastating loss to their business. Detailed action plans were communicated to customers within five days, outlining immediate steps toward

resolution. The ERT maintained a strong presence on-site throughout, visiting customers and brokers to aid with claims, and even supporting those who hadn't yet filed

a claim.

Through swift action, strategic planning, and solid collaboration, we effectively managed the flooding

crisis, with customers receiving the support they needed to rebuild their businesses.

2025 Intact Social Impact and ESG Report 25





Our customers are our advocates | Our deep claims expertise and strong supply chain network

Helping our property customers get back on track

On Side Restoration is one of the oldest and largest restoration companies in Canada, restoring damaged homes and businesses 24 hours a day, 365 days a year. With over 20,000 pieces of specialty equipment

and tools, and more than 1,000 vehicles supporting emergency restoration work, the team works quickly and efficiently to address urgent repair needs, restoring

damaged homes and businesses to their original condition. Our advanced catastrophe team can be on-site within an hour, handling everything from fire recovery to biohazard cleanup.

In 2025, On Side helped 30,000 Intact customers get back on track.

Leveraging technology

On Side responded to several property damage claims on Mark Street in London, Ontario, Canada after the area experienced heavy winds.



As with all areas of Intact's business, On Side is leveraging technology and using data to make informed decisions. New technology helps us to get a 360-degree view of a job and remotely provide an estimate of the work required. This means we can mobilize project managers from other regions to respond

to the impact of severe weather events, no matter where events occur, reducing cycle time and helping customers return to their property sooner.

We also understand that the emotional impact of property damage often goes beyond the structural. Losing cherished, irreplaceable belongings can be even more devastating. On Side recovers and restores all types of goods ranging from photos, files, clothing and household items. We have successfully recovered countless irreplaceable paper and media items using specialty equipment, from freeze-drying chambers

to a specialist electronics cleaning system.

On Side Restoration in numbers

44 branches

1,900 specialists

1,000 vehicles supporting emergency restoration work

20,000 pieces of specialty equipment and tools



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Our customers are our advocates | Our deep claims expertise and strong supply chain network

Helping our auto customers get back on track

Losing access to a vehicle can have significant impacts on work and home life. That is why our dedicated teams ensure that the customer journey from damage to repaired is as seamless as possible.

At Intact Insurance, we are not just Canada's leading insurer-we also have the largest network of Auto Service Centres in the country. Now proudly operating from

38 locations nationwide, our Intact Service Centres redefine convenience in auto repairs. Our customer-focused approach delivers 20% faster repair times compared to traditional shops. In 2025, our customers celebrated our excellent customer service with an exceptional advocacy score of 84%.1

In 2025, we repaired 34,000 vehicles through our Service Centres.

Our Rely Network

A well-established network designed to deliver outstanding service and quality repairs, Rely handled 71% of auto and 44% of property claims in 2025. With a carefully curated list

of more than 850 auto preferred vendors and 240 property vendors (in addition to On Side), the network is equipped to manage significant claims across Canada while ensuring customers receive second-to-none customer service.

1 The advocacy score for our service centres is defined as number of promoters over number of surveys sent after a claim. A promoter is a client that gave a 9/10 on the survey or higher.

Intact Service Centre, Trois-Rivières, Quebec, Canada.

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‌Our customers are our advocates | Supporting brokers with specialized expertise

Supporting brokers with specialized expertise

Brokers are a trusted source of expertise for our customers. When they face challenges, we know those challenges affect us-and we step in to see how we can help. That's why gathering feedback from brokers and acting on it is so critical.

Voice of the Broker is an annual study that captures brokers' perspectives. It measures broker satisfaction, benchmarks performance against competitors, and reveals actionable insights that inform our strategy to continually enhance broker satisfaction with our products and services.

The strong satisfaction scores we receive from brokers are underpinned by our commitment to listening to their feedback and acting on it. Speaking directly with brokers helps to build trust, understand their needs and helps them to understand our capabilities. We work proactively to address challenges identified in previous surveys,

through enhanced product offerings, streamlining processes, or improving broker service.

In Canada, we took a national approach to better reach the 25,000 brokers we work with across the country.

We enabled brokers as change agents by launching accredited eLearning on climate change, adding a prevention section on the Intact Portal to simplify access to tools, and equipping business development teams with adaptation and resilience messaging for clearer, more relevant conversations.

For more information, see page 17.

The Intact Insurance UK eTrade team exemplifies our commitment to outperformance in broker engagement. This highly skilled team of over 200 people, brings together expert underwriters, product managers, analysts and digital broker managers, all working together to deliver seamless digital solutions and great broker experiences.

By investing in broker relationships and tools the UK team are meeting the needs of small and medium-sized businesses that make a vital contribution to the UK economy. The team has continued to evolve our market-leading position in the UK with new product features that include improved documentation, providing clarity and ease for customers.

These are some of the reasons why between 2023 and 2025 we jumped from a three to five star rating in the Insurance Times annual survey of business placed digitally on eTrade-one of the world's largest online brokerages and electronic trading platforms.

92%

of brokers in Canada, US and the UK value our specialized expertise.1

1 This is done through our Voice of the Broker annual survey, which is sent at random to brokers who sell Intact services. It measures the perception of Intact's expertise in four domains: employee's knowledge of products, product that respond to customer needs, underwriting expertise and claims employee's knowledge.

"By empowering teams to take ownership,

resolve complexity swiftly, and strengthen trust with brokers, we will move the needle. The changes we've implemented, aligned with broker feedback, mark an evolution

in our approach-blending the strengths of technology with the insight of confident

human judgment."

Tovah Grosscurth, Senior Vice President and Managing Director, Commercial Lines, Intact Insurance UK

2025 Intact Social Impact and ESG Report

28





Our customers are our advocates | Supporting brokers with specialized expertise

Supporting broker education in Canada

Brokers are the ones who connect us to customers. Making it easier for brokers to do business with us is essential. One way we invest in those relationships is through providing a comprehensive broker education program.

The Pathways program helps support brokers with recruiting and developing talent. More than 120 courses are available via a total of seven pathways. We have been expanding our pathways by adding new courses every year. In 2025, we introduced a new pathway titled "Adaptation and Awareness" to our curriculum, which covers topics such as climate change, cybersecurity and business ethics.



Since we launched the Pathways program in 2023, 19,000 brokers have completed at least one or more course in a pathway.

In Quebec, Intact offers more than 1,000 activities that support broker success and certification in both personal and commercial lines. Additionally, brokers can take advantage of an onboarding journey that

combines systems and product training, as soon as they achieve their certification. Brokers also have access to a dedicated platform, which includes an education library with a variety of learning resources to help them develop their technical knowledge and provide an exceptional customer experience.

Leadership Essentials is an eight-month leadership training program designed to equip broker participants with the skills they need to lead and inspire their teams. The program enables participants to increase their speed of integration in their role and improve operational

performance and the overall customer experience in their respective brokerages. We have 13 courses in this program.

In Quebec

390 brokers

completed our Broker Licensing program (Académie AMF).

More than

100 brokers

graduated from the Leadership Essentials program in 2025, totalling 1,400 course completions.

2025 Intact Social Impact and ESG Report 29





‌Our people are engaged

IT Program Manager Akshita Khurana and Software Development Manager Iphigénie Ndiaye in Toronto, Ontario.



Our people are engaged

Our people are at the heart of everything we do-they are integral to how we achieve our purpose. Our team of 32,000 people around the world is the driving force behind our outperformance.

Our investment in people enables us to be a best employer, attract exceptional talent and expertise, and cultivate an environment where our people can thrive.

We achieve this by executing on our People Strategy.

2025 Intact Social Impact and ESG Report 30