Corporate Policies

At Unica, we respect your privacy, because we know how important it is to keep your personal information confidential and secure. That is why we have adopted a Personal Information Protection Policy (the Policy) and implemented safeguards to protect your personal information.

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Code of Consumer Rights & Responsibilities

Commission Disclosure Statement

Blog Disclaimer

Privacy Notice to Our Customers

Personal information protection

At Unica, we respect your privacy, because we know how important it is to keep your personal information confidential and secure. That is why we have adopted a Personal Information Protection Policy (the Policy) and implemented safeguards to protect your personal information. This Policy and the safeguards we have implemented are founded on the following ten (10) principles of privacy:

  1. Accountability
    Unica Insurance is responsible for the protection and the security of personal information that it holds. Unica Insurance shall appoint a Privacy Officer who shall be accountable for Unica Insurance’s compliance with the Policy and all applicable legislation.
  2. Identifying Purposes
    When opening a file, Unica Insurance shall establish the purpose for which personal information is being collected.
  3. Limiting Collection
    Unica Insurance shall only collect personal information that is necessary for the purpose of the file within the limits provided for by Law.
  4. Consent
    The knowledge and consent of the individual are required for the collection, use, or disclosure of personal information concerning that individual, subject to certain exceptions provided for by Law. Consent may be granted in writing, verbally, by electronic mail, through an authorized representative or implicitly.
  5. Limiting Use, Disclosure and Retention
    Personal information shall not be used or disclosed for a purpose other than that for which it was collected, except as required by Law or with the consent of the individual. Unica Insurance, subject to applicable legislation, retains personal information contained in a file for the length of time needed for its purpose.
  6. Accuracy
    Unica Insurance shall make every reasonable effort to ensure that the personal information that it holds is accurate, complete and up-to-date when it is used, subject to your responsibility to inform us of any changes.
  7. Access and Correction
    Upon written request of the individual and subject to certain exceptions provided for by Law, Unica Insurance shall give the individual access to his or her personal information, shall provide an account of how it is being used and an account of any third parties to which it has been disclosed. The individual may challenge the accuracy and completeness of the personal information contained in his or her file and may make a written request for correction.
  8. Safeguards
    Unica Insurance protects the individual’s personal information with security safeguards appropriate to the sensitivity of the information. Unica Insurance shall only provide access to the personal information held in an individual’s file to employees, agents, mandatees and co-contractors who need to access such information in the course of their duties, mandate or contract.
  9. Transparency
    Unica Insurance shall make available to all interested parties information on its policies and procedures concerning privacy. Upon request, Unica Insurance shall provide them with a copy of this Policy.
  10. Information and Complaints
    Individuals can contact Unica Insurance to request information or file a complaint concerning its policies and procedures for protecting personal information.

Code of Consumer Rights & Responsibilities

Unica Insurance (along with the brokers and agents who sell home, auto and business insurance), are committed to safeguarding your rights when you shop for insurance and when you submit a claim following a loss. Your rights include the right to be informed fully, to be treated fairly, to timely complaint resolution, and to privacy. These rights are grounded in the contract between you and your insurer and the insurance laws of your province. With rights, however, come responsibilities including, for example, the expectation that you will provide complete and accurate information to your insurer. Your policy outlines other important responsibilities. Insurers and their distribution networks, and governments also have important roles to play in ensuring that your rights are protected.

Right to be informed

You can expect to access clear information about your policy, your coverage, and the claims settlement process. You have the right to an easy-to-understand explanation of how insurance works and how it will meet your needs. You also have a right to know how insurers calculate price based on relevant facts.

You have the right to ask who is providing compensation to your broker or agent for the sale of your insurance. Your broker or agent will provide information detailing for you how he or she is paid, by whom, and in what ways.

Insurance companies will disclose their compensation arrangements with their distribution networks. Brokers and agents are committed to providing information relating to ownership, financing, and other relevant facts.

Responsibility to ask questions and share information

To safeguard your right to purchase appropriate coverage at a competitive price, you should ask questions about your policy so that you can understand what it covers and what your obligations are under it.

You can access information through brochures and websites, as well as through one-on-one meetings with your broker, agent, or company representative. You have the option to shop the marketplace for the combination of coverages and service levels that best suits your insurance needs. To maintain your protection against loss, you must promptly inform your insurance company or broker or agent of any change in your circumstances.

Responsibility to ask questions and share information

Insurance companies, their brokers and agents are committed to high standards of customer service. If you have a complaint about the service you have received, you have a right to access your insurer’s complaint resolution process. Your insurer, agent or broker can provide you with information about how you can ensure that your complaint is heard and promptly handled. Consumers may also contact the independent General Insurance OmbudService (

Responsibility to resolve disputes

You should always enter into the dispute resolution process in good faith, provide required information in a timely manner, and remain open to recommendations made by independent observers as part of that process.

Right to professional service

You have the right to deal with insurance professionals who exhibit a high ethical standard, which includes acting with honesty, integrity, fairness and skill. Brokers and agents must exhibit extensive knowledge of the product, its coverages and its limitations in order to best serve you. These standards are outlined in A Consumer’s Guide to Property and Casualty Insurance Transactions, supported by members of the Insurance Brokers Association of Canada.

Right to privacy

Because it is important for you to disclose any and all information required by an insurer to provide the insurance coverage that best suits you, you have the right to know that your information will be used for the purpose set out in the privacy statement made available to you by your broker, agent or insurance representative. This information will not be disclosed to anyone except as permitted by law. You should know that insurers are subject to Canada’s privacy laws.

Commission Disclosure Statement

Unica provides standard personal and commercial insurance products through a select group of independent brokers. We ensure that our brokers under contract operate to the highest professional standards, maintained by both ourselves and our independent partners. In return for performing broker services, they earn compensation as part of the insurance premium, paid in the form of a commission.

Brokers have a duty to disclose their commission earnings on a given policy to their client if so requested. The commissions paid by Unica are:

  • Private Passenger Automobile 10-12 ½%
  • Personal Household and Property 20%
  • Personal Umbrella 20%
  • Commercial Property 20%
  • Commercial Casualty 20%
  • Commercial Automobile 10-12 ½%

Profit Share Commissions (PC)

As part of our contracts with brokers, Unica recognizes broker efforts through the potential payment of Profit Share Commissions. Profit Share Commission payments are not guaranteed, and are based on a share of the profitability of business submitted by the broker over an extended period – usually three years.

Profitability is measured by comparing premium revenue against expenses (e.g. claims cost, broker commission, overhead etc).

In recent years, Unica paid profit share commissions of 0.8% of total revenues.

Other Services

A small number of Unica brokers provide additional services on our behalf. These may include data entry and other processing tasks. This additional work is compensated by payment of an agreed fee or commission.

On occasion, as part of normal business practice, we may invite individuals from broker offices to participate in social and educational events.

Blog Disclaimer

The Unica blog is intended to be used for informational purposes only and is not intended to replace legal, technical or other professional advice or to represent actual or potential coverage under any insurance contract. Extent of potential coverage under Unica Insurance’s products are to be determined at all times by the specific issued policy, including all definitions, conditions and exclusions.

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To find out more about our Personal Information Protection Policy, please feel free to contact us at 1 800-676-0967
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