Intact embeds Risk Assist across commercial lines to boost broker advice

Intact Insurance has stopped treating Risk Assist as a side tool and folded it into its entire commercial lines portfolio, making the platform a built-in part of the policy rather than an optional extra. The move is aimed squarely at small and medium-sized businesses, but it also gives brokers a fuller set of risk-management tools to take into account when the market is leaning on price alone.

The rollout, announced on May 21, 2026, puts Risk Assist with all commercial policies and centres it on four areas: Health & Safety, HR, Business Continuity and Driving Risk. Intact is pairing that with self-assessment tools, practical templates, policy documentation, accredited e-learning modules and Ask the Expert access to HR and Health & Safety specialists. In practice, that turns the platform into a service layer inside the product, not a separate consulting add-on bolted on after the sale.

That distinction matters. Intact is explicitly positioning Risk Assist as a way for brokers to move conversations away from rate and toward resilience, exposure reduction and continuity planning. The risk-consulting page says customers and brokers can request HR or health and safety advice and that Intact aims to respond within 24 hours on weekdays. For a broker trying to stay relevant in a soft market, that kind of response time and practical support is the sort of thing that can change the tone of a renewal meeting.

The platform also goes beyond generic guidance. Intact says Risk Assist includes business continuity advice, a business continuity planner, supplier-disruption prioritization tools, an interruption cost calculator and postcode and business-type risk insights drawn from RISCAuthority and the Fire Protection Association. That combination makes the service feel less like a brochure feature and more like a working toolkit for day-to-day decision-making inside an SME.

The scale behind the rollout is substantial. In Intact Financial Corporation’s 2025 Annual Report, commercial and specialty direct premiums written had tripled over the past decade to $25 billion, and the company said its network spans more than 150 countries. In October 2025, when RSA was rebranded to Intact Insurance across the UK, Ireland and Europe, the company tied the change to a plan to grow UK business from £2.7 billion to £5 billion by 2030. Intact also says it works with more than 6,000 independent broker offices across Canada and describes itself as Canada’s largest property and casualty insurer.

Taken together, Risk Assist looks like a clear sign of where commercial insurance is heading: more embedded software, more broker enablement and more prevention pushed upstream into the policy itself. That is where Intact is trying to create value now, long before a claim ever lands on the desk.