Intact Insurance Company Review

Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.


Intact Insurance Company at a Glance

  • Founded in 2001
  • Formerly known as OneBeacon Insurance
  • Offers a wide variety of coverages
  • Offers coverage for many commercial lines
  • “A+” (superior) rating by A.M. Best
  • “B+” (excellent) rating by Better Business Bureau (BBB)
  • Offers comprehensive insurance packages
  • Strong financial strength
  • Online bill pay and claims reporting
  • 24/7 claims reporting

Intact Insurance Pros: Nearly two decades’ worth of experience in the insurance industry. Offers a wide range of coverages for commercial lines, including construction insurance, cybercrime insurance, inland marine insurance, commercial general liability insurance, and more. High ratings through A.M. Best and the BBB. Strong financial stability. Offers 24/7 claims reporting.

Intact Insurance Cons: No claims process or claims response time frame detailed on the official website. Not BBB accredited. Several complaints filed against the carrier through the BBB in recent years. Customers report increasing premium rates over time. No discount information available. Many reports of terrible customer service encounters. High volume of dismal customer reviews across the web.

What Type of Insurance Does Intact Insurance Offer?

Intact Insurance offers an extensive catalogue of insurance products for businesses. Their coverages include:

  • Cybercrime liability insurance
  • Employment practices liability insurance
  • Fiduciary liability insurance
  • Commercial auto insurance
  • Commercial umbrella insurance
  • Data privacy and communications insurance
  • Commercial general liability insurance
  • Property insurance
  • Inland marine insurance
  • Workers’ compensation insurance
  • Products liability insurance
  • Business income insurance
  • Marina operators liability insurance
  • Crime insurance
  • Management liability insurance

This list of insurance products offered by Intact Insurance is far from exhaustive. Your independent insurance agent can help you find even more coverages offered by this insurance company.

What to Know about Intact Insurance

Intact Insurance Specialty Solutions was founded in 2001, giving the carrier nearly two decades’ worth of experience in the insurance industry. The insurance company was formerly known as OneBeacon Insurance Group, Ltd. Today, the carrier offers its products across the US and Canada. The insurance company’s catalogue of coverage solutions is quite extensive, including a wide variety of specialty property and casualty products for many different commercial lines.

Intact Insurance offers products such as commercial general liability insurance, cybercrime insurance, property insurance, products liability insurance, and much more. The insurance company works with a wide network of independent insurance agents all over the country. Independent insurance agents provide a more personalized and complete experience for customers while shopping for the right coverage. Intact Insurance’s LinkedIn profile states that the company currently has between 1,001 and  5,000 employees, with just under 1,400 of them found on the social media platform.

Thanks to its history, wide network of independent insurance agents, and variety of insurance products offered, Intact Insurance has earned a reputation as a financially stable insurance company with a strong outlook for the future. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives Intact Insurance an “A+” rating, indicating the carrier is a superior choice for insurance customers. High ratings from A.M. Best assure customers that Intact Insurance is capable of offering guaranteed, secure coverage from a financially sound carrier.

Established in 1899, A.M. Best is one of the oldest rating companies in the world. Reviews from A.M. Best indicate an insurance company’s financial strength and creditworthiness, and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. For customers who aren’t as familiar with insurance companies’ respective reputations, A.M. Best’s ratings system allows them to make an informed decision about who they can trust to meet their needs in the short term, and also who remains a strong, financially sound company in the long term.

What Discounts Does Intact Insurance Offer?

Intact Insurance does not make information about its discounts readily available, however many modern carriers offer common discounts on comparable coverages. These discounts include:

  • Employer safety plan discount: Offered to workers’ compensation customers who enforce a formal safety plan at their business to help protect employees. 
  • Low mileage discount: Offered to commercial auto customers whose employees drive fewer than a dictated amount of miles annually.
  • Sprinklers systems discount: Offered to insurance customers who install sprinklers systems in their insured properties to help prevent fire risk. 
  • Track record of product success discount: Offered to commercial general liability and products liability insurance customers who provide a positive track record of success with their company’s products. 
  • Paid-in-full discount: Offered to insurance customers who pay their entire year’s premium up front, rather than in monthly increments. 

Your independent insurance agent can help you find more information about exact discounts offered by Intact Insurance and other ways to save money through the insurance company, helping you to find the coverage you need at the rate you deserve.

Intact Insurance Customer Service

Intact Insurance allows customers to report claims over the phone or online at any time. The carrier also provides the following customer service options:

  • Email claims reporting
  • Fax claims reporting
  • Phone claims reporting
  • Snail mail contact option
  • Online bill pay
  • Customer service hotline has the following hours restrictions:

Hours (ET)

Monday-Friday 8 am - 5 pm

The best way to ensure a smooth customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.


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Intact Insurance FAQ

What is Intact Insurance's average claim response time frame?

Intact Insurance allows customers to file claims at any time through over the phone or online, but does not list a specific claims response time frame promise on their official website.

What is Intact Insurance's customer service availability?

Intact Insurance allows customers to file claims at any time online, through email, or over the phone. Their hotline for customer service inquiries has restricted hours, Monday through Friday. Customers can pay their bills through the official website as well. The carrier also has a social media presence on Facebook, Twitter, and LinkedIn, which makes them more accessible to customers.

What is Intact Insurance's claims process?

Intact Insurance allows its customers to file claims anytime through multiple mediums. However, they do not provide information about their specific claims process beyond how to file. To check on the status of a claim after filing or to ask questions about the claims process, customers can get in touch with their independent insurance agent, call the carrier, or log in to their online account.

Does Intact Insurance create a user-friendly experience for customers?

Intact Insurance’s official website is laid out in a fairly intuitive way, however the carrier does not provide important information such as an official claims process or claims response time frame promise for its customers. Prospective customers may be put off by the insurance company due to this missing information. The carrier does provide 24/7 claims reporting through multiple mediums, which is a huge attraction, though. Overall, Intact Insurance does provide a user-friendly experience for its customers.

Does Intact Insurance have good construction insurance?

Intact Insurance offers a wide variety of coverages for many different commercial lines. Their insurance package for the construction industry includes the following coverages:

  • Contractors equipment coverage
  • Builders risk insurance
  • Equipment dealers and equipment rental operations coverage
  • Installation floaters and riggers liability insurance
  • Property insurance
  • Crime insurance
  • Cyber liability insurance
  • Employed lawyers professional liability insurance
  • Employment practices liability insurance
  • Fiduciary liability insurance
  • Management liability insurance

Intact Insurance provides comprehensive coverage solutions for construction insurance customers, especially from a liability standpoint. Your independent insurance agent can help you find out even more about the insurance company’s construction coverage, as well as their many other products offered.

Is Intact Insurance a good insurance company?

Intact Insurance has nearly a couple of decades’ worth of experience under its belt today. The carrier has received high ratings through A.M. Best and the BBB, however they are not accredited through the latter organization, and have had some complaints filed against them in recent years. Also, the dismal customer reviews spotted across the web are quite concerning. With such a high volume of customer dissatisfaction, we’re hesitant to call Intact Insurance a good insurance company.

Intact Insurance Customer Reviews

“Terrible company. Terrible customer service. Terrible response times. Terrible prices. Been with this company for many years cause money wasn’t an issue and the agent that signed me up was good at the time. One no fault accident later I received the WORST experience ever. I would go more in depth but just read the rest of the reviews from others. It shows how incompetent this company truly is.   You deserve to lose your money if you go with this company after all of the warnings people have posted. Go to Allstate, GEICO, I don’t care.  Just anywhere but this place.  0 out of 100 stars.”

“Very unprofessional and disorganized. Don’t recommend this company.”

“I enjoyed the price offered but the fact that the customer service was so bad made it such a turn off. It was hard to like a place that was so bad. I got into a car crash a few months ago, and it was pretty bad. A lot of work was needed to fix this. I went to my company and they said they could not help with this because it was not covered. I would not like to go back to them if I had to. I would suggest going to a different place.”

Better Business Bureau
“These ******** charged me $80K in premiums over the past 14 years without a single claim. Now they have sent their collection agency after us to collect a $179 cancellation fee that is currently being adjudicated by their ombudsman. They're still trying to debit money from our account, even though we cancelled our policy in June.”

5 Stars
“Best insurance company I’ve dealt with. I had a hail claim and Jill London took my report. No one could have done a better job. Very thorough and they are lucky to have her. Made my life so easy!”'s Final Review

We award Intact Insurance a final rating of 2 out of 5 stars. The insurance company has just about 20 years’ worth of experience in the industry today, however, sadly it does not appear they have used this time to perfect their craft. While the carrier does have high ratings through both A.M. Best and the BBB, they’ve also had several complaints filed against them through the latter organization in recent years. More concerning, however, is the large volume of truly dismal customer reviews spotted across multiple platforms on the web today. Customers report that Intact Insurance does not deliver on their customer service promises and are overall frustrated by their coverage. Many customers also report increasing premium rates over time, even with no claims history.

Bottom line: Though 24/7 claims reporting and strong financial ratings are certainly pros for any carrier in the insurance industry, it’s not enough. What we’re most concerned about is whether or not an insurance company delivers on its promises to the customers entrusting them to meet their coverage needs, and unfortunately it seems that Intact Insurance falls quite short in this department. So, next time you’re working with your independent insurance agent to select a new carrier, we recommend avoiding Intact Insurance and surveying your other options, especially if quality, dependable customer service is important to you.

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