Operating through its subsidiaries, Intact Financial Corporation offers a comprehensive suite of property and casualty insurance products to both individual customers and businesses across Canada, the United States, the United Kingdom, Ireland, continental Europe, and the Middle East. For personal clients, the company provides coverage for automobiles, including specialized policies for motorhomes, recreational vehicles, motorcycles, snowmobiles, and ATVs. Its personal property offerings protect homes and their contents against risks such as fire, theft, vandalism, and water damage, in addition to personal liability coverage, with options for tenants, condominium owners, non-owner occupied residences, and seasonal properties. In the commercial sphere, Intact delivers insurance solutions tailored for small and medium-sized enterprises, encompassing commercial property protection for physical assets, and a range of liability coverages including general commercial, product, professional, and cyber liability endorsements. Furthermore, it supplies commercial vehicle insurance for business autos, fleets, garage operations, light trucks, public vehicles, and the specific demands of the sharing economy. Beyond these, the company provides various personal coverage levels for home, motor, and pet insurance, along with general insurance, specialty lines, and risk management solutions. Its extensive specialty insurance portfolio serves diverse product and customer segments, such as accident and health, technology, ocean and inland marine, public entities, entertainment, and financial services and institutions. Additionally, Intact offers products for specialty property, surety, tuition reimbursement, management liability, cyber, and environmental institutions. Established in 1809 and headquartered in Toronto, Canada, the company was previously known as ING Canada Inc. until its rebranding to Intact Financial Corporation in 2009.