Intact Insurance has launched three upgraded commercial lines products, marking its first product release under the Intact Insurance UK brand.
The insurer said the rollout is designed to give brokers more flexible cover options and support business customers with broader protection.
The new products - property owners', shops, and commercial combined - form part of Intact’s broader strategy to strengthen its footprint in the commercial lines space following its transition from RSA branding. Property owners' and shops will be available for brokers on Acturis, while commercial combined will be accessed through the insurer’s regional teams.
The launch follows research into broker requirements, competitor offerings, and usage trends in the commercial market. Intact stated that the feedback pointed to demand for simpler, more adaptable policies and digital access for smaller and mid-sized businesses.
Product enhancements at a glance
The revised property owners' product now supports portfolios of up to 25 properties, with optional add-ons such as contents, loss of rent, terrorism, and legal expenses.
The underwriting footprint has widened significantly, with cover now available for mixed-use properties up to £5 million, residential risks up to £1.5 million, and commercial up to £10 million. Equipment breakdown is now included as standard, offering additional protection without added cost, the company said.
Meanwhile, the shops product now includes protection for property damage, stock deterioration, goods in transit and business interruption. Brokers can extend cover with optional extras including terrorism and legal expenses, allowing tailoring for clients with higher-risk environments or specialist demands.
Finally, the commercial combined product offers a more flexible underwriting model with no set limit on premises, supporting businesses with varied operations or multi-site exposure.
Property damage remains core to the policy, the company said, adding that while optional extensions such as business interruption, terrorism, and money provide a configurable package approach suited to more complex risk profiles.
Inflationary pressures
The update comes at a time when commercial insurance buyers face inflationary pressures, supply chain disruption, and heightened business interruption exposures.
For brokers, simplified placement routes and broader eligibility can reduce referral friction - a key advantage in SME and mid-market segments where speed and pricing clarity influence buying decisions.
The move also signals Intact Insurance UK’s intent to compete more aggressively in digital distribution, particularly through Acturis-driven offerings where ease of transacting is often a differentiator. The insurer noted that these products are a milestone in its development roadmap and reflect ongoing investment into underwriting and digital capability.
