About us

With over 97 years of experience, we've learnt a thing or two about risk and the value of a local insurance company.

Who we are

We have extensive knowledge of the local insurance market and offer a range of products for individual customers and commercial businesses on the Isle of Man. Proud to be a customer-focused, agile and resilient business, with an emphasis on operational and performance improvement, our ambition is to be the best-in-class general insurer on the island. We're also a constant and strong supporter of local organisations and charities, sponsoring events and raising thousands of pounds for worthwhile causes serving the island's community.

Intact Insurance is committed to serving the needs of private individuals and businesses on Isle of Man.

Emmet McQuillan - Managing Director, Intact Insurance Isle of Man

Providing insurance to the Isle of Man since 1928

On 25th January 1928, a group of Manx businessmen incorporated Tower Insurance Company Limited, and the Island's first truly Manx insurance company opened it's doors for business.

The Directors of Tower met for the first time on 21st February 1928, and the carefully hand-written Minutes of that meeting are maintained to this day.

In 1948, following the Second World War, Tower was bought by the Liverpool & London & Globe Insurance Ltd (who subsequently became Royal & Sun Alliance and then RSA many years later) for £25,000. Tower remained part of the RSA Group of Companies. In 2021, RSA Group was bought by Intact Financial Corporation, headquartered in Canada.

Our leadership

There have only been seven Managing Directors of the business. Arthur Skinner was the first MD in 1928, followed by Ken Owen in 1948, Tom Osborne in 1968, Dennis Mahoney in 1988 and David Stacey in 1991. David Stacey held the position of MD for 19 years before handing over to Peter Gallagher in 2010, who in turn handed over to Emmet McQuillan who became the latest MD in 2018.

Board of directors

Becoming Intact Insurance

On the 6th October 2025, Tower Insurance Company Limited changed its name to Intact Insurance Isle of Man Limited, to join together as one brand with the UK and European businesses.

Intact Insurance Isle of Man's premium income steadily expanded over the years as the Island's economy grew. Today, Intact Isle of Man has a gross premium income of over £25 million and has become firmly established as the leading insurance company on the Island.

Over the years, Intact Isle of Man has generously supported many local charities and organisations, contributing extensively to the local community. Intact Isle of Man is proud of the work it has undertaken in the local community, and our work continues strongly to this day.

With a proven track record in serving the Island, as Intact Insurance Isle of Man approaches 100 years in business on the Isle of Man, we remain as committed as ever to the Island and to the community.

Our values

We're now part of a company of 30,000 people united under one brand and one set of values. Together, we aim to deliver second-to-none service and help brokers and businesses thrive in a fast-moving world.

Integrity

We believe in doing the right thing and being open, honest and fair. We set high standards in everything we do and strive to do our best every day.

Respect

We work together to ensure everyone is treated with respect. We see diversity as a strength and have an inclusive and collaborative culture.

Customer-driven

We use our specialist expertise to listen to our customers and find solutions to make their lives easier.

Excellence

The quality of our work is very important to us. Our number one priority is delivering the best outcomes for brokers and customers.

Generosity

We believe in going the extra mile with brokers, customers and one another. This helps us support others, protect the environment and build resilient communities.