We’re excited to share highlights from a standout third quarter at Intact Insurance Specialty Solutions. From impressive financial results to meaningful industry engagement, our performance and activities this quarter reflect the strength of our platform and our commitment to supporting you—our valued distribution partners. 

In this edition, you will find:

• Key financial highlights from Q3
• Recent industry events and thought leadership from Intact executives
• Recognition of our investment in future talent

Here's what's happening across Intact Insurance Specialty Solutions:

Intact Financial Corporation’s (IFC) Q3 results are more than just numbers—they’re a reflection of our strength, stability, and momentum. With solid growth, smart risk selection, and a strong capital position, we’re not just meeting expectations, we’re exceeding them. Operating ROE reached 19.6%, Book Value per Share rose 14% year-over-year to $103.16, and a total capital margin of $3.3B.

Here’s a snapshot of our U.S. results - what’s driving our success and how it translates into confidence and capability for you and your clients.

• U.S. Specialty Growth: Operating Direct Premiums Written (DPW) improved significantly to 8%, driven by continued momentum in both new business and retention.
• Strong combined ratio of 86%, a 2-point improvement from prior year, driven by our continued focus on profitability.

These results reflect our ongoing commitment to strategic growth in specialty and our ambition to outperform.  This means you can rely on our capacity, stability, and ability to be a long-term partner. Whether you’re placing complex risks or expanding to new markets, Intact Specialty Solutions is here to deliver tailored coverage and responsive service.

Explore the full Q3 2025 results.

Over the past few months, we’ve been actively engaging with brokers and industry peers, reinforcing our commitment to collaboration and innovation in the specialty insurance space. Here are some of the events we’ve seen you at:

CIAB Insurance Leadership Forum Highlights
Intact executives attended the CIAB Insurance Leadership Forum, connecting with distribution partners and industry leaders. In attendance were:

• Charles Brindamour, CEO Intact Financial Corporation
• Emmanuel Clarke, CEO, Global Specialty Lines
• Lynn O’Leary, COO, Global Specialty Lines
• Tony Beal, Chief Distribution Officer, U.S.
• Melissa Goto, DSVP, Specialty Lines, North America

The energy at the event was high and the interest in our global specialty capabilities was clear. We value these opportunities to connect directly with you and hear how we can deepen our partnerships.  We hope to see you again next year!

If you haven’t had the opportunity to meet our new Chief Distribution Officer, Tony Beal, or you want to hear more about our presence at CIAB - check out his Spotlight feature in this issue of Intact Partner.

Spotlight on Thought Leadership
Our leaders continue to shape industry conversations:

• Melissa Goto, Deputy SVP, Specialty Lines, was a featured panelist at the “Off the Record” session during Insurance Business America's Women in Insurance Summit in Los Angeles, where she shared insights on leadership and innovation in specialty lines.
• Cynthia Kolb, VP of U.S. Specialty Claims, spoke at the Connected Claims Conference hosted by Reuters in Orlando, highlighting Intact’s approach to claims innovation and enhancing the customer experience.

These engagements reflect our growing influence and commitment to thought leadership in the market.

We’re honored to share that our internship program has been recognized by RISE Professionals as one of the 2025 Elite 50 Internships!

This recognition reflects our commitment to investing in the next generation of insurance professionals through meaningful, inclusive, and growth-focused experiences. We’re excited to keep building the future of insurance, one intern at a time.

Do you know an aspiring insurance professional? Check out our career site for open internships.