Intact Financial

Ledger Investing Inc. operates an online marketplace that connects insurers with institutional investors seeking to invest in various classes of insurance risk. Founded in 2016 and based in Washington, D.C., the platform allows asset managers, pension funds, hedge funds, and family offices to access a new asset class that offers the potential for returns uncorrelated with broader capital markets. The company capitalizes on recent trends where significant capital influx from long-term institutional investors is directed towards direct insurance investments. Additionally, Ledger Investing leverages technology to transform business models and create efficient marketplaces, enhancing the connection between buyers and sellers in the insurance sector. The firm is supported by Y Combinator.

Urban Jungle Services Ltd. is an insurance technology company based in London, United Kingdom, founded in 2016. The company specializes in providing insurance solutions tailored for individuals who rent and share housing in urban environments. Its platform enables housemates to easily split insurance costs and adjust coverage names when residents change. The policies offered cover a range of items, including home contents, smartphones, valuables, multiple bikes, and security deposits, while also addressing emergency expenses related to incidents such as floods, fires, storm damage, theft, and accidental damage. By leveraging technology, Urban Jungle aims to offer accessible and affordable home insurance specifically designed for young professionals.

Acko General Insurance Limited is a digital insurance company based in Mumbai, India, founded in 2016 by Varun Dua and Ruchi Deepak. The company specializes in providing micro-insurance products through an entirely online platform. Its offerings include various types of motor insurance, such as car and two-wheeler insurance, as well as specialized policies like Ola Trip Insurance for cab passengers. Acko focuses on personalized insurance solutions tailored to users' consumption behaviors and has expanded its product range to include healthcare-related insurance. By leveraging data and analytics, Acko aims to deliver a seamless and transparent insurance purchasing experience, making it easier for consumers to access a wide array of insurance products.

Coterie Applications Inc. is a digital managing general underwriter based in Cincinnati, Ohio, specializing in commercial insurance solutions tailored for various workforce needs. Founded in 2018 by David McFarland, Kevin Mackey, and Tim Metzner, Coterie utilizes an API-based approach that seamlessly integrates insurance into the existing tools and processes used by businesses. This technology-driven platform employs data-driven automation to deliver accurate coverage, streamline the quoting process, and issue policies efficiently. By simplifying the complexities of insurance management, Coterie aims to help businesses mitigate unwanted risks and save time, ultimately enhancing the overall experience of obtaining commercial insurance.

RSA is a leading multinational insurance group with a heritage spanning 300 years. Employing approximately 23,000 people, the company serves 17 million customers across more than 140 countries. With its origins in London, RSA has established a strong presence in both mature and emerging markets, particularly in the UK, Ireland, Scandinavia, Central and Eastern Europe, Canada, Asia, the Middle East, and Latin America. The company specializes in general insurance, consistently delivering profitable performance even in challenging market conditions. In the Middle East, RSA is a prominent provider of property and casualty insurance, offering a range of solutions for both commercial and retail clients. Its product lines include motor, property, medical, and small and medium-sized enterprises (SME) insurance, alongside tailored solutions for large corporations, with operations in Bahrain, the United Arab Emirates, Oman, and Saudi Arabia.

Snapsheet is a leader in virtual appraisals and cloud-native claims management software, focusing on transforming the end-to-end claims process through digitization and intelligent automation. The company's software facilitates various stages of claims management, including electronic intake of first notice of loss (FNOL), data investigation, technology-assisted investigation, claims assessment, and digital payment processing for settlements. By offering unmatched technology and processes, Snapsheet enhances customer experience and promotes organizational agility. It has established itself as an industry innovator, deploying one of the fastest digital auto insurance claims processes in the United States. Serving over 100 clients, including major insurance carriers and insurtech firms, Snapsheet is recognized as a trusted partner in claims innovation.

Snapsheet is a leader in virtual appraisals and cloud-native claims management software, focusing on transforming the end-to-end claims process through digitization and intelligent automation. The company's software facilitates various stages of claims management, including electronic intake of first notice of loss (FNOL), data investigation, technology-assisted investigation, claims assessment, and digital payment processing for settlements. By offering unmatched technology and processes, Snapsheet enhances customer experience and promotes organizational agility. It has established itself as an industry innovator, deploying one of the fastest digital auto insurance claims processes in the United States. Serving over 100 clients, including major insurance carriers and insurtech firms, Snapsheet is recognized as a trusted partner in claims innovation.

Coterie Applications Inc. is a digital managing general underwriter based in Cincinnati, Ohio, specializing in commercial insurance solutions tailored for various workforce needs. Founded in 2018 by David McFarland, Kevin Mackey, and Tim Metzner, Coterie utilizes an API-based approach that seamlessly integrates insurance into the existing tools and processes used by businesses. This technology-driven platform employs data-driven automation to deliver accurate coverage, streamline the quoting process, and issue policies efficiently. By simplifying the complexities of insurance management, Coterie aims to help businesses mitigate unwanted risks and save time, ultimately enhancing the overall experience of obtaining commercial insurance.

Acko General Insurance Limited is a digital insurance company based in Mumbai, India, founded in 2016 by Varun Dua and Ruchi Deepak. The company specializes in providing micro-insurance products through an entirely online platform. Its offerings include various types of motor insurance, such as car and two-wheeler insurance, as well as specialized policies like Ola Trip Insurance for cab passengers. Acko focuses on personalized insurance solutions tailored to users' consumption behaviors and has expanded its product range to include healthcare-related insurance. By leveraging data and analytics, Acko aims to deliver a seamless and transparent insurance purchasing experience, making it easier for consumers to access a wide array of insurance products.

The Guarantee Company of North America is a Canadian-owned insurance company with customers in Canada and the U.S. Two-thirds of its business is specialty lines and surety and one-third personal lines including a high net worth home and auto insurance portfolio in Canada.

Frank Cowan Company is a leader in providing specialized insurance programs, including risk management and claims services to municipalities, healthcare, education, community, children’s and social service organizations across Canada. Proven industry knowledge, gained through over nine decades of partnering with insurance companies and independent brokers, gives Frank Cowan Company the ability to effectively manage the necessary risk, advisory and claims services for both standard and complex issues.

Minuto Seguros is an insurance brokerage company based in São Paulo, Brazil, established in 1993. The firm specializes in providing a wide range of insurance products for individuals and families, including auto, personal accident, home, life, and travel insurance. Additionally, Minuto Seguros offers business insurance to protect corporate assets against risks such as fires, thefts, and natural disasters, along with health, life, and dental insurance for employee benefits. The company operates through multiple channels, including telephone, email, SMS, and online chat, ensuring accessible support and guidance from specialized consultants. Minuto Seguros emphasizes a user-friendly online platform, allowing clients to easily search for and purchase personalized insurance policies, providing them with the freedom to research options and make informed decisions.

Acko General Insurance Limited is a digital insurance company based in Mumbai, India, founded in 2016 by Varun Dua and Ruchi Deepak. The company specializes in providing micro-insurance products through an entirely online platform. Its offerings include various types of motor insurance, such as car and two-wheeler insurance, as well as specialized policies like Ola Trip Insurance for cab passengers. Acko focuses on personalized insurance solutions tailored to users' consumption behaviors and has expanded its product range to include healthcare-related insurance. By leveraging data and analytics, Acko aims to deliver a seamless and transparent insurance purchasing experience, making it easier for consumers to access a wide array of insurance products.

Metromile is the provider of pay-per-mile car insurance company in the U.S. Powered by data science and machine learning, the company is disrupting a $250 billion auto insurance category. Metromile is building a loyal community of drivers who come for the savings and stay for the experience. AVA, Metromile's AI-driven claims system, is designed to speed up the process of verifying and paying out insurance claims. Using Metromile Pulse sensor data, AVA can reconstruct the scene of an accident to instantly determine if claim details are accurate. When the claim is verified, Metromile is able to automatically approve payments within seconds.

OneBeacon Insurance Group, Ltd. provides specialty property and casualty insurance products and services through its subsidiaries. The company operates two main segments: Specialty Products and Specialty Industries. The Specialty Products segment offers a diverse range of coverages, including provider excess insurance, multi-line package solutions, various liability insurances, and environmental risk solutions. In contrast, the Specialty Industries segment focuses on property and casualty insurance tailored for specific sectors such as technology, life sciences, telecommunications, and entertainment. This segment also provides accident coverages and identity theft management services. OneBeacon's products are distributed through independent agencies, regional and national brokers, wholesalers, and managing general agencies across the United States. Headquartered in Hamilton, Bermuda, OneBeacon Insurance Group operates as a subsidiary of Intact Financial Corporation as of September 2017.

Snapsheet is a leader in virtual appraisals and cloud-native claims management software, focusing on transforming the end-to-end claims process through digitization and intelligent automation. The company's software facilitates various stages of claims management, including electronic intake of first notice of loss (FNOL), data investigation, technology-assisted investigation, claims assessment, and digital payment processing for settlements. By offering unmatched technology and processes, Snapsheet enhances customer experience and promotes organizational agility. It has established itself as an industry innovator, deploying one of the fastest digital auto insurance claims processes in the United States. Serving over 100 clients, including major insurance carriers and insurtech firms, Snapsheet is recognized as a trusted partner in claims innovation.

Metromile is the provider of pay-per-mile car insurance company in the U.S. Powered by data science and machine learning, the company is disrupting a $250 billion auto insurance category. Metromile is building a loyal community of drivers who come for the savings and stay for the experience. AVA, Metromile's AI-driven claims system, is designed to speed up the process of verifying and paying out insurance claims. Using Metromile Pulse sensor data, AVA can reconstruct the scene of an accident to instantly determine if claim details are accurate. When the claim is verified, Metromile is able to automatically approve payments within seconds.

Canadian Direct Insurance (Canadian Direct) is a Canadian federally chartered property and casualty insurance company that provides personal insurance solutions for its customers in British Columbia and Alberta. As a competitive alternative to the Insurance Corporation of British Columbia (ICBC) Canadian Direct began by selling ‘optional’ auto insurance in BC in 1996. Our pioneering over-the-phone distribution model was the first of its kind in the province. It enables us to pass on significant cost-savings, and gives us the ability to provide sales, service, and claims functions directly to customers. Canadian Direct offers customers a range of personal auto, home and travel insurance options. Our advanced quoting system helps us offer our customers competitive discounts and coverages to meet their home and automobile insurance needs. Canadian Direct is committed to providing competitively priced insurance products, a fair and timely response to claims, and quality customer service. In 2015 Canadian Direct joined forces with belairdirect! In Alberta, the Canadian Direct operations will be integrated with belairdirect, Intact Financial Corporation’s existing direct-to-consumer brand. The Canadian Direct brand will be maintained and will continue to offer its products directly to customers.

Metro General Insurance Corporation Limited is a privately owned property and casualty insurance company domiciled in St. John's, Newfoundland. Metro General was incorporated in 1972. Its 23 employees offer home, auto and liability insurance to consumers through a network of brokers located throughout Newfoundland and Labrador and in rural Nova Scotia.

Jevco Insurance Company is a prominent provider of specialty and niche insurance products based in Mississauga, Canada. The company specializes in offering a range of automobile insurance services, catering to both personal and commercial needs. By focusing on unique insurance solutions, Jevco addresses the diverse requirements of individuals and businesses, establishing itself as a key player in the Canadian insurance market.

AXA Canada (www.axa.ca) and its 2,300 employees offer home, auto and business insurance as well as life insurance products through a network of 1,300 brokerages and 2,700 independent insurance advisors. In 2010, AXA Canada direct premiums written amounted to $2.0 billion making the company the 6th largest P&C insurer in the country. Over the last five years, the company has grown annually by more than 7% and has outperformed the industry with an average combined ratio of 92.2%.