Business Details
Emergency
services
Trusted Commercial Insurance Solutions in London
Intact Insurance has established itself as a leading provider of commercial insurance solutions, combining over 125 years of underwriting expertise with a collaborative approach to risk management. Our dedicated teams specialise in crafting tailored insurance products for businesses across the UK, Ireland, and Europe, supported by regional offices that empower local decision-making. As an A-rated insurer (A2 Moody's), we prioritise transparency through statement-of-fact underwriting, instant documentation, and a streamlined claims process managed by dedicated account managers.Our commitment to innovation is demonstrated through digital tools like TheHub portal and NIG RiskAssist, while our in-house risk control experts provide proactive advice to mitigate business exposures. With regulatory oversight from the Financial Conduct Authority and Prudential Regulation Authority, we maintain rigorous compliance standards while delivering comprehensive coverage options for diverse industries including construction, manufacturing, hospitality, and technology sectors.
Services
Commercial Combined Insurance
Construction Insurance
Cyber Risk Coverage
Motor Fleet Policies
Liability Protection
Retailers Insurance
Manufacturers Coverage
Hotel & Leisure Insurance
Highlights and features
- We offer regional underwriting expertise with local decision-making authority
- Our A2 Moody's credit rating ensures financial stability and claims reliability
- Dedicated Claims Account Managers provide efficient resolution support
- Instant policy documentation available through digital portals
- In-house Risk Control Team delivers proactive loss prevention advice
Associations and certifications
- Financial Conduct Authority
- Prudential Regulation Authority
What people say
Excellent claims support
Comprehensive coverage options
Responsive underwriting teams
Strong financial rating
Services
Commercial Combined Insurance
Our Commercial Combined policies provide comprehensive coverage for single-site and multi-site businesses. This flexible solution includes material damage protection, business interruption coverage, and liability safeguards with optional extensions for goods in transit, cyber risks, and engineering equipment. Clients benefit from standard limits up to 50,000 for stock protection and 250,000 financial loss coverage, with higher limits available upon request. The policy operates on a statement-of-fact basis without requiring traditional proposal forms.
Cyber Risk Coverage
Designed for technology-dependent businesses, our Cyber Cover protects against digital threats including data breaches, malware attacks, and cyber crime. The policy covers up to 1 million for data-breach expenses and cyber liability, with additional benefits like IT forensic support, legal advice, and customer notification services. Optional covers include business income protection during cyber events and hardware replacement up to 5 million, ensuring comprehensive digital risk management for modern enterprises.
Motor Fleet Insurance
Tailored motor fleet solutions cater to businesses with multiple vehicles, offering flexible coverage options from third-party to comprehensive protection. Features include unlimited third-party injury coverage, up to 20 million property damage limits, and included benefits like new vehicle replacement for 12-month-old vehicles damaged beyond 50% value. The policy supports foreign use in EU/EEA countries and provides emergency treatment coverage, with dedicated claims management for fleet operators.
Construction Insurance
Specialist construction insurance covers premises and contracting operations under one policy. This includes contract works coverage up to 125% of sum insured, 50,000 expediting expenses, and 25,000 immobilised plant protection. The policy addresses unique construction risks with sections for negligent breakdown, continuing hire charges, and contract price increases, supported by regional underwriters with industry-specific expertise for both new developments and renovation projects.
Liability Combined Insurance
Our Liability Combined policies provide essential protection against employee and third-party claims. Coverage includes 250,000 financial loss protection, 250,000 environmental pollution clean-up costs, and 1 million corporate manslaughter coverage. The policy combines employers liability, public liability, and products liability sections with additional legal expense coverage up to 150,000, ensuring comprehensive protection for businesses facing complex liability exposures.
Questions
What commercial insurance products do you offer?
We provide Commercial Combined, Construction, Cyber, Motor Fleet, Liability, Retailers, Manufacturers, and Hotel & Leisure insurance policies tailored to specific business needs.
How can I access policy documents?
Policy documents are available through our broker portal TheHub, with instant documentation emailed upon request for active policies.
Do you offer 24/7 claims support?
Yes, our emergency helpline provides 24/7 assistance for claims-related queries and incident reporting.
What risk management resources are available?
NIG RiskAssist offers health and safety eLearning, leak detection services, and expert risk control advice for policyholders.
How are policy limits structured?
Standard limits vary by policy type, with options to increase coverage upon request through our underwriting teams.
Are you regulated by UK authorities?
Yes, we're authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority.
