Excess Property insurance is designed for complex or large-scale risks and can help protect your customers’ commercial physical assets in the event of loss or damage. Our experienced team will tailor comprehensive coverage to meet the needs of your customers operating large companies or unique risks that cannot be covered by the standard markets. Solutions can also be tailored for high capacity businesses that cannot be handled by a single carrier.

• A team of dedicated underwriters with the expertise to handle complex and large property risks. • Flexible coverage that can be tailored to meet specific requirements.• Access to industry leading claims and loss prevention services.• Our solutions are backed by the financial strength of Intact Insurance Company (A.M. Best rating of A+ (Superior) and

Moody’s rating of A1*).

Why Intact Insurance?

Specialty Solutions Excess Property

Coverage highlights• Excess property coverage up to $100,000,000.

• Minimum premium of $250 net/million and $10,000 minimum per account.

• Total Insurable Value of commercial risks > $100,000,000.

• Coverage available for risks with Canadian and U.S. exposure.

• Limited international appetite.

• Flexible coverage option available on broker manuscript or on

Insurers’ wordings.

Target classes

Commercial risks including, but not limited to the following occupancies:

» Manufacturing: metal fabrication, food processing, electronics, consumer products

» General commercial: retail stores, casinos, stadiums, wholesale distributors

» Real Estate portfolios (subject to Total Insurable Value (TIV) of minimum $100M for the key location including, but not limited to the following occupancies): office buildings, shopping centres, hotels, non-combustible apartments and condominiums

» Public Entity: municipalities, schools, colleges and universities

Restricted classes• Quota-share or proportional subscription on Primary layers not

offered, but will subscribe on Excess Property layers

• Schedules that are primarily combustible construction, non-sprinkled, unprotected

• High hazard occupancies

» Chemicals » Grain Terminals » Mining » Oil & Gas » Power Generation » Pulp & Paper » Recyclers » Sawmills

Intact Insurance is Canada’s largest home, auto and business insurance company, protecting more than five million customers. Our coast-to-coast presence, combined with our strong relationship with insurance brokers, means we can provide the outstanding service, comfort and continuity that customers deserve.

Contact your Specialty business development manager for more information.

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*Financial strength ratings information is provided via independent third-party resources. Intact Financial Corporation or its affiliates do not guarantee the accuracy, adequacy, completeness or availability of ratings information. Additional information and the latest ratings are available on each respective website of the respective rating agency.

Certain conditions, limitations and exclusions apply. This material is provided to you for information purposes only, the insurance contracts prevail at all times. Coverages and availability vary by product and by province. Please consult the insurance contracts for complete descriptions of coverage and exclusions. ®Intact Insurance Design is a registered trademark of Intact Financial Corporation, used here under license. ©2020 Intact Insurance Company. All rights reserved.