We have designed our SPARK—contractors product for specific segments of the Canadian small contractors business market.

This product provides comprehensive best-in-class insurance protection for the things you’ve worked so hard to build. From property to equipment and tools, from business interruption to liability to vehicle insurance and more, we’ve got you covered. The result? Worry-free protection at a competitive price—so that you can focus on what you do best—running your business!

A roofer replacing shingles on a brick home.

Small Business. Big Protection.
SPARK—contractors is the perfect fit for:

Masonry, Bricklayer, Driveway Sealing & Sidewalk Construction
Window Cleaning (Maximum 3 storeys)
Electrician (Excluding alarm systems)
Carpet, Floor Tile & Floor Covering
Painting & Wallpapering, Drywall & Plastering
Sign installation (Maximum 3 storeys)

Key Features and Benefits

Spark Logo
$500,000 Basket of Coverages
For extra expense, accounts receivable, professional fees, signs, lock and key replacement, antennae, fire department service charges, fire equipment recharge and expediting expense.
$100,000 Installation Floater
Covers personal property installed, fabricated or erected by a contractor. It also covers the property until the installation work is accepted by the purchaser or when the insured’s interest in the property installed ceases.
$100,000 Crane and Hoist Operator’s Liability
Covers your liability arising out of the moving of property and equipment that belongs to others, such as lifting air-conditioning units onto a roof with a crane.
$25,000 coverage for Tools
Covers you for up to $2,500 per any one item. Also includes tools of employees up to $2,500 per employee.
Replacement Cost on Tools
Covers you for the loss to replace lost, stolen or damaged tools at replacement cost—not at the Actual Cash Value cost (depreciated value), (some restrictions apply on age of equipment).
$50,000 Employee Dishonesty
Also covering third party losses which extends coverage to include loss of a third party’s property due to dishonesty of the insured’s employee(s).
Multi-line Discount
10% discount on commercial property policy if insuring both home and commercial business


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

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A backhoe sitting idle at a construction site

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