Contractor Insurance

Unica understands the many specific needs of the Canadian contractor, which is why we developed the Contractors Connection®.

Combining protection for you, your employees, your building materials and your equipment, Unica’s contractor insurance offers best-in-class protection bundled together at a competitive price.

Contractors around a table discussing the layout of a home.

Unica's Contractors Connection is the perfect fit for those working in the following fields:

General Contractor, Electrical, Plastering/Drywall
Flooring, Masonry/Bricklaying, Roadwork/Paving
Carpentry, Sheet Metal
HVAC, Refrigeration
Tile Work, Grading of Land
Excavation, Swimming Pools

In addition to Unica’s standard policy benefits, our contractor insurance offers additional unique protection with:

Crane and Hoist Operators (Riggers) Liability
Covers you for accidental loss or damage to the property of others while being lifted, lowered, or moved by you.
Unscheduled Tools
Covers loss or damage to small equipment and tools, anywhere in Canada.
Rental Reimbursement Extension
Covers the rental of replacement tools and equipment in the event that covered items are damaged, lost, or stolen.
Installation Floater
Covers materials involved in installation including property temporarily stored at another location.
Design Errors & Omissions
Covers you for monetary loss for bodily injury or property damage which are a result of design errors and omissions committed in the ordinary course of running your business.
Faulty Work
Covers you against the labour costs for the removal and replacement of work materials installed by you or on your behalf that have been rejected by the client.

Transparent.
Trustworthy.
Reliable.

At Unica, we’ve built our reputation by putting people first. We’ll handle your claim as quickly and as worry-free as possible.

From Partner to Policyholder

Because we value the way they work and we like the way their system is, we actually became a policyholder. And that speaks a lot–especially when I’ve been in the insurance industry for over thirty years.
Matt Molson | Owner of Leda Restoration
Contractors around a table discussing the layout of a home.

SPARK™—contractors

Small Business. Big Protection. If you’re a contracting business with less than five people, Unica Insurance also offers protection under our SPARK™ Small Business line. We provide coverage and Claims service you expect from Unica specifically tailored to entrepreneurs of Canada.

Find a broker in your neighbourhood.

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Businessman asking for certificate of insurance

Hiring a third-party contractor to work on your company’s behalf? Ask for a Certificate of Insurance!

Table of Contents What is a Certificate of Insurance? When Should You Request a COI from a Third-party? What Should You Look for on a Certificate of Insurance? Action Steps   When you’re a small business owner entrusting tasks to...
Read article - Hiring a third-party contractor to work on your company’s behalf? Ask for a Certificate of Insurance!