Expanding our Specialty Lines portfolio: Surety Insurance

We’re pleased to announce the launch of Surety Insurance into our Specialty Lines portfolio — a significant milestone as we continue to broaden our capabilities and invest in specialist solutions that support brokers and their clients with increasingly complex risk and contract requirements.

This new UK offering has been carefully adapted for local market needs, regulatory considerations and broker expectations. The result is a confident, well‑grounded proposition built on international expertise, financial strength and a relationship‑led approach.

A proven product, re‑engineered for the UK market

Surety is a cornerstone of our Specialty Lines business in North America. Bringing this proposition to the UK allows us to support our brokers that are seeing increased demand for alternative forms of financial security. This spans across infrastructure investment, large‑scale contracting and regulated commercial activity.

Our UK Surety proposition has been shaped in close collaboration with our North American underwriting teams, drawing on their deep expertise — while being fully aligned to UK market expectations.

This approach enables brokers to access a new source of surety capacity from a carrier with a strong track record, without compromise on responsiveness, clarity or service.

Who Surety is designed for

Our initial focus is on contract and commercial Surety risks for established mid‑to‑large businesses, specifically:

• Organisations with annual revenues in excess of £30 million
• Minimum £5 million Surety facilities
• Clients operating across a broad mix of sectors, including:
• Construction
• Manufacturing
• Energy (including renewables, and oil and gas)
• Rail and infrastructure
• Retail and logistics 
• Chemicals and pharmaceuticals
• Telecommunications
• Automotive

This targeted approach allows us to manage capacity responsibly, develop strong broker partnerships, and ensure a consistent underwriting and service experience.

Product scope: Surety solutions

At launch, our Surety Insurance covers:

We also offer bespoke Surety solutions for approved underlying contractual obligations, enabling us to support more complex or non‑standard structures where required.

What you can expect

Our Surety proposition is underpinned by a set of principles designed to make placement and ongoing management straightforward for our brokers:

• Strong capacity and a broad, balanced risk appetite
• A flexible and pragmatic underwriting approach
• Clear wording guidance, terms and conditions
• Seamless onboarding and efficient service delivery
• Proactive risk monitoring and renewal philosophy
• Ability to act as primary lead or supportive line

All underwriting is supported by a dedicated in-house team, working closely with our wider global Specialty Lines network.

Financial strength you can rely on

Surety is ultimately about financial assurance, and Intact Insurance brings a compelling strength profile to the market:

• AM Best: A (Excellent)
• Fitch: AA-
• Moody’s: A1
• DBRS: AA

This financial backing gives brokers and their clients confidence that obligations will be supported over the long term, even where contracts span many years or jurisdictions.