Annual Information Form (for the year ended December 31, 2022)
Make it
Intact
ANNUAL INFORMATION FORM 2022
Table of Contents and list of information incorporated by reference
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Page reference |
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Annual |
MD&A for the year ended |
Statements for the year |
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Information |
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ended |
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Form |
(Incorporated by Reference) |
(Incorporated by Reference) |
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Cautionary Note Regarding Forward-Looking Statements |
3 |
3 |
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Corporate Structure |
4 |
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4 |
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Intercorporate Relationships |
4 |
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5 |
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Three-Year History |
5 |
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Reorganizations |
7 |
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Description of our Business |
8 |
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8 |
5, 10-22 |
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Distribution Methods |
8 |
10-22 |
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Pricing and Underwriting |
8 |
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Claims Management |
8 |
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Innovation |
9 |
46, 47 |
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Risk-Sharing Industry Pools |
9 |
45 |
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Regulatory Matters |
9 |
63-72, 88, 89 |
62, 63 |
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Competitive Conditions |
10 |
6, 37-40, 84 |
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Cycles and Seasonality |
10 |
28 |
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Group Reinsurance, Corporate and Other |
11 |
23, 55-60,63-72 |
48-50 |
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Environmental, Social and Governance Activities |
12 |
46, 47, 51-53 |
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Risk Factors |
13 |
74-98 |
34-42,45-47 |
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Description of Capital Structure |
14 |
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Common Shares |
14 |
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Class A Shares |
14 |
58-61 |
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Restrictions on Ownership and Transfers of Shares |
15 |
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16 |
55-58 |
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Shareholder Rights Plan |
17 |
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Ratings |
17 |
69, 96 |
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Dividends |
19 |
96 |
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Common Share Dividend Increases |
19 |
69 |
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Market for Securities |
20 |
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Trading Price and Volume |
20 |
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Directors and Executive Officers |
22 |
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Directors of the Company |
22 |
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Executive Officers of the Company |
23 |
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Committees of the Board of Directors |
24 |
75 |
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Shareholdings of Directors and Executive Officers |
25 |
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Cease |
25 |
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Conflicts of Interest |
25 |
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Legal Proceedings and Regulatory Actions |
26 |
94 |
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Interest of Management and Others in Material Transactions |
27 |
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Transfer Agent and Registrar |
28 |
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Material Contracts |
29 |
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Interests of Experts |
31 |
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Additional Information |
32 |
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Glossary of Terms |
33 |
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Schedule A - Intercorporate Relationships |
35 |
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Schedule B - Summary of Amended and Restated Rights Plan |
36 |
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Schedule C - Education and Experience of the Members of the |
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Audit Committee |
39 |
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Schedule D - Mandate of the Audit Committee |
41 |
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2 INTACT FINANCIAL CORPORATION ANNUAL INFORMATION FORM 2022
Table of contents
Cautionary Note Regarding Forward-Looking Statements
Cautionary Note Regarding Forward-Looking Statements
Certain of the statements included or incorporated by reference in this AIF about the Company's current and future plans, expectations and intentions, results, levels of activity, performance, goals or achievements or any other future events or developments constitute forward-looking statements. The words "may", "will", "would", "should", "could", "expects", "plans", "intends", "trends", "indications", "anticipates", "believes", "estimates", "predicts", "likely", "potential" or the negative or other variations of these words, or other similar or comparable words or phrases, are intended to identify forward-looking statements. Unless otherwise indicated, all forward-looking statements directly included in this AIF are made as at
of the Sale of RSA Middle East and with respect to the impact of COVID-19 and related economic conditions on the Company's operations and financial performance.
Forward-looking statements are based on estimates and assumptions made by management based on management's experience and perception of historical trends, current conditions and expected future developments, as well as other factors that management believes are appropriate in the circumstances. In addition to other estimates and assumptions which may be identified herein, estimates and assumptions have been made regarding, among other things, economic and political environments and industry conditions. Many factors could cause the Company's actual results, performance or achievements or future events or developments to differ materially from those expressed or implied by the forward- looking statements, including, without limitation, credit, market, liquidity, operational, strategic and legal risks and the risks presented in the Company's MD&A for the year ended
All of the forward-looking statements included or incorporated by reference in this AIF are qualified by these cautionary statements and those made in the section entitled Risk Management on pages 74 to 98 of our 2022 MD&A, in Notes 10 and 13 of our 2022 Consolidated Financial Statements and those made in our other filings with the securities commissions or similar authorities in
- Unless otherwise specified, this AIF presents information as at
December 31, 2022 and all amounts are in Canadian dollars. - Capitalized terms used in this AIF are defined in the glossary provided onpage 33of this AIF.
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INTACT FINANCIAL CORPORATION ANNUAL INFORMATION FORM 2022 |
3 |
Table of contents
Corporate Structure
Corporate Structure
In
In the
Our registered and principal business office is located at
Intercorporate Relationships
Information about the intercorporate relationships among the Company and its principal subsidiaries as at
4 INTACT FINANCIAL CORPORATION ANNUAL INFORMATION FORM 2022
Table of contents
Our business was founded in 1809, with the formation of
The Company is the largest provider of P&C insurance in
Three-Year History
On
On
On
On
On
On
co-led by
On
On
On
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INTACT FINANCIAL CORPORATION ANNUAL INFORMATION FORM 2022 |
5 |
Attachments
Disclaimer



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