Our customers are our ADVOCATES
Our purpose is to help people, businesses and society prosper in good times and be resilient in bad times.
*
2025 Social Impact and ESG Report: Highlights
-
out of 4 customers are our advocates
76%
of our Personal lines customers who had a transaction
with us are our advocates.2
- out of 5 brokers value our specialized expertise
of brokers in Canada, US and the UK value our
specialized expertise.3
What we aim to achieve3 out of 4 customers
We are a best employer
Personal Lines: Our customers are digitally engaged3 million customers with a digital account.
Nearly 75% of direct distribution quotes completed online.
845,000 digital self-service transactions completed in 2025.
1 in 4 auto policy changes were completed online and 1 in 5
claims filed digitally.
1 in 2 new customers chose to enroll in UBI, resulting in 450,000 active UBI customers in 2025.
Commercial Lines: Leading broker and customer experienceNearly 3 out of 4 of Commercial lines quotes in Canada
go through our AI quoting tool, increasing speed for brokers.
Intact Insurance was voted the No. 1 insurer in the UK for Commercial Claims by brokers.4
In 2025, 87% of brokers told us that they find Contact CL, our Commercial lines platform, easy to use and intuitive.
Our deep claims expertise and strongare our advocates
4 out of 5 brokers value our specialized expertise
Our customers are our ADVOCATES
Our people are
ENGAGEDOur employees and leaders are representative of the communities we serve
Building prevention into the Personal Lines experience486,000 visits to the KeepItIntact.ca prevention hub - accessing practical actions to help people protect their homes from the impacts of extreme weather.
Through the Home Helper feature in the Intact app, customers have taken over 110,000 actions.
supply chain networkMore than 80% of our calls in Canada are answered within 20 seconds.
On Side Restoration supported 30,000 Intact Personal property customers to get back on track.
In 2025, we repaired 34,000 vehicles through our Service Centres.
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
Jiffy, Canada's leading home maintenance app, expanded it's footprint to reach half of Canada's population.
Wildfire Defense Systems personnel responded to 10 wildfires, performing more than 200 visits to Intact customers.
Supporting brokers with specialized expertiseSince launching in 2023, 19,000 brokers have completed at least one or more course in the Pathways learning program.
*All data as at 31 December 2025.
For more information, see the 2025 Social Impact and ESG Report available at intactfc.com/investors/annual-reports.
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" page 3 of the 2025 Social Impact and ESG Report, available at intactfc.com/investors/annual-reports.
2 We track transactional advocacy scores among Personal lines customers only. Our Commercial and Specialty lines customers are not included in these scores.
3 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.
4 'Brokers vote our commercial claims service as number 1', Results of our Broker Voice Survey - Intact Insurance UK, 1 December 2025.
Our people are ENGAGED
Our people are at the heart of everything we do-they are integral to how we achieve our Purpose.
Being a most respected company means delivering strong financial performance while creating positive social outcomes.
Our company is one of the MOST RESPECTED
We are a Best Employer1 Representative of the communities we serve Grow NOIPS 10% yearly over time Exceed industry ROE by 5 pts 3 out of 4 stakeholders recognize us as leaders in building resilient Achieve Net Zero by 2050, and halve 10th39%
of VP+ positions at
17%
of VP+ positions
communities our operations
emissions by 2030
12% 6.7pts 68% 63% 33%
Intact are held by
at Intact2 are held
women globally.
by employees who
CAGR over the last
of industry ROE
of stakeholders in Can-
of stakeholders globally
reduction in our
identify as a Black
decade, with an
outperformance,3, 4
ada believe Intact is a
believe Intact is a leader
operations emissions
person or a person
annual NOIPS3 of
over the last 10 years.
leader in helping build
in helping build resilient
since 2019.6
of colour (BPOC).
$19.21 for 2025.
resilient communities.5
communities.5
year in a row in Canada.
7thyear in a row in the US.
1styear in the UK and Ireland.
Be a best employer
Our global engagement score was 79%, a +4% increase from 2024.
In Canada, engagement increased by 2 points to 82% and the US remained solid at 83%.
In the UK&I, we achieved a 15-point increase in engagement to 68%.
Be a destination for top talent and experts49% of eligible students became full time employees at Intact in Canada, and over 65% of interns returned as graduates in the UK.
Filled 79% of our leadership vacancies internally.
Retained 97% of our Global Specialty lines experts and onboarded 500 new recruits globally into this growing business unit.
In Canada, we launched our New Grad Tech Development Program, consisting of 30 participants chosen from
3,600 applicants.
Enable our people to thrive7,600 employees changed roles globally (25% of total), expanding their careers and advancing their development.
In Canada, we launched the Mental Health Leadership Program, emphasizing the key role leaders play in supporting employee mental health.
Our employees and leaders are representative of the communities we serveEmployees feel positively about our diversity efforts, with scores of 89% in Canada, 88% in the US, and 88% in the UK&I.
In Canada, we received the Women in Governance Platinum level certification for the 4th consecutive year in 2025.
Building resilient communities$19 million invested by Intact globally across climate adaption and resilience, economic resilience and community wellbeing.
$41 million committed globally to more than 150 climate adaptation projects since 2010.
On its 10th anniversary, Intact renewed its support for the Intact Centre on Climate Adaptation for 5 years with $8.5 million.
$4.1 million committed to our Municipal Climate Resiliency Grants since 2023.
Our 5-year, $8 million partnership with the Nature Conservancy of Canada has helped protect 13,000 hectares of important natural areas.
Climate strategy44% reduction in investment emissions7 intensity from a 2019 baseline.
37% reduction in building emissions across our 300 locations.
$1.2 billion of our investment portfolio is aligned with the Climate Bonds Initiative Taxonomy.
We have achieved our target of engaging our top 20
high-emitting investees by 2025.8
13GW amount of renewable power generation insured in the US (13GW is enough to power over 2.5 million homes).
Through our municipal resilience engagement program, we engaged one-to-one with mayors, fire chiefs and emergency managers from high-risk municipalities across Canada, to discuss preparedness and resilience to wildfire and flood.
Measured by Mercer, a global HR consulting firm.
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.
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.
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 for more details, available at intactfc.com/investors/quarterly-reports.
Results based on our 2025 Resilience Barometer. Note that there was a methodology change in 2025. For more information, see page 38 of our Social Impact and ESG Report, available at intactfc.com/investors/annual-reports.
Includes Scope 1, Scope 2 (market-based), and Scope 3 (business travel, waste, water and paper). Starting in 2024, On Side Restoration emissions are reported separately and not included. For more information on GHG emissions, see the Our company is one of the most respected chapter of the 2025 Social Impact and ESG Report available at intactfc.com/investors/annual-reports.
Common shares, preferred shares and corporate bonds portfolio. Long strategies only of common shares held within Intact's investment portfolio were considered (i.e. excludes short positions or mixed long and short positions held in common shares).
Across our common shares, preferred shares, and corporate bonds portfolio.