We Are Unica Insurance Brokers

Unica Insurance Brokers

Unica Insurance has been providing best-in-class insurance protection and exceptional customer service to Canadians since 1955 through a network of Unica Insurance brokers, which now includes the team of experts at Morison Insurance. Unica Insurance delivers specialized, customer-centric VIP personal insurance and business insurance with a focus on hassle-free service and a commitment to integrity, transparency, company sustainability, social involvement and responsibility.

Why is a Unica Insurance Broker the Right Choice?

There are some key advantages to choosing a Unica insurance broker for your insurance needs. If you've ever had to suffer through a painful insurance claims experience, you know precisely how important it is to have coverage with an insurance company that is responsive and processes your claim quickly and accurately. Unica Insurance boasts a high customer review rating on Google and other online review sites, which is not always the case in the insurance industry; those ratings are due to the outstanding claims experiences that Unica Insurance customers are reporting. Here are a few benefits of choosing a Unica insurance broker for your home, auto and business insurance.

• • Focused on Customer Satisfaction: The top priority at Unica Insurance is customer satisfaction. Unica is an active insurance partner that strives to put their customers first and ensure they are able to move through a prompt, professional claims process quickly to receive the funds they are entitled to by their insurance policy. In fact, 98.6% of new claims are contacted within the first two hours after filing, and an impressive 97.4% of surveyed Unica Insurance policyholders reported that they were satisfied with their claims experience.
  • Lifetime Guarantee for Your Home Properties and Vehicle: With Unica Insurance, repairs or damage restoration work on your home, condo or seasonal property are covered by a lifetime written guarantee. In addition, repairs to your insured automobile are guaranteed for as long as you own the vehicle and continue to get auto insurance coverage through Unica.
  • LIVEasy for Homeowners: LIVEasy is an innovative insurance program designed to offer VIP policyholders reliable insurance protection for their house or condo. LIVEasy has major benefits, including higher limits, significant enhancements and new types of coverage that cater to the insurance needs of busy professionals who need the reassurance of knowing their important assets are completely protected.

What Types of Coverage Are Available Through a Unica Insurance Broker?

There is a robust slate of insurance coverage available through our Unica insurance brokers at Morison Insurance. Whether you need a single insurance product that will give you financial protection against damage to a critical asset, or you are looking for a comprehensive, all-around insurance package that gives you coverage for your home, vehicle and other important belongings such as recreational assets and collectors' items, your Unica insurance broker can make it happen.

Property Insurance

It's a great feeling to own your own property, but it can be nerve-wracking as well. From fires and floods to burglary and vandalism, there are a lot of ways your investment and assets could suffer severe damage, be taken from you, or be destroyed completely. Not only is the loss itself financially devastating, but attempting to recover from it and get back on your feet could be a long, arduous process that is never totally finished if you can't get financial recovery assistance from your insurance provider. If you want the peace of mind that comes with knowing you are protected against major financial setbacks in the event that your home or other types of property are damaged or destroyed, it's time to talk to a Unica insurance broker about property insurance.

Property insurance protects against financial loss related to a wide range of unfortunate or damaging situations, including fire, theft and some natural disasters. It also provides personal liability coverage for expenses incurred should you be sued by a third party alleging you are liable for causing bodily injury or damage to their property. Unica's property insurance offerings include home insurance, condo insurance and tenant insurance under LIVEasy, a specialized insurance program that offers advantages such as higher limits, significant enhancements and new coverages. You can also speak to a Unica insurance broker about cottage insurance protection and additional coverage for water-related damage.

WATERtight Protection

While most types of insurance are relatively straightforward, water damage coverage is typically another story entirely. Water damage is a huge problem for homeowners as one of the single biggest reasons for property insurance claims. But when your home is hit by moisture incursion, it can be a real challenge to figure out what is and is not covered by your property insurance and additional coverages. Unica Insurance simplifies water damage coverage with a single endorsement called WATERtight Protection. With WATERtight protection on your Unica Insurance policy, you are covered in the event of:

• Sewer backups
• Overland flooding
• Groundwater
• Surface water
• Septic system malfunctions

While other insurance companies force you to add individual endorsements for each of the above, WATERtight Protection from your Unica insurance broker is a one-stop solution that is easy to understand and easy to claim.

Auto Insurance

It's legally mandatory in Canada to have auto insurance on the vehicles you drive, and with good reason—there is plenty of room for error out there on the roads, and even if you're the most careful and conscientious driver in Ontario, you can't avoid every possible situation that could result in an automobile accident. Auto insurance from a Unica insurance broker gives you financial protection against losses related to a traffic incident that causes bodily harm or property damage. That includes comprehensive insurance solutions for luxury automobiles, as well as additional coverage options such as a waiver of depreciation endorsement and accident protection endorsement.

Leisure and Lifestyle Insurance

Whether you daydream about getting out on the lake with your watercraft or you pour your passion into a breath-taking wine collection, you want the freedom to pursue your hobbies, interests and lifestyle without worrying about losing it all and taking a major financial blow as a result. When you speak with a Unica insurance broker to invest in financial protection for your recreational and lifestyle amenities, you give yourself the space you need to truly enjoy your hobbies without fear that you'll be subjected to a devastating financial setback if the worst happens and your collection or recreational equipment is damaged, stolen or destroyed. Your Unica insurance broker can assist  you with coverage for assets such as:

• Collector cars
• All-terrain vehicles (ATVs)
• Snowmobiles
• Watercrafts such as motorboats, sailboats, jet skis and more
• Fine art
• Wine collections
• Jewellery
• Other types of valuables and collections

Umbrella Insurance Coverage

Many people don't completely understand umbrella insurance and what it can do to enhance your home and auto coverage, but it can be a significant part of a complete policy that offers adequate financial protection for your specific needs. Unica insurance brokers recommend umbrella coverage because it provides an additional layer of liability protection that covers expenses after the limits of your standard home and auto policies are reached. You may wonder why this would be necessary when your home and auto insurance already have hefty liability limits built in. If you are sued for causing personal harm to a third party and found liable, settlement costs could far exceed the limits of your standard insurance, and you'll be responsible for paying overages out of your own pocket. But with help from a Unica insurance broker, your umbrella coverage will kick in once the limits on your home or auto insurance are reached and pay the rest of the overage up to your umbrella policy limit.

Commercial Property, Auto and Liability

As a business owner, service provider, manufacturer, wholesaler or builder, you are exposed to some unique risks that could result in you losing a considerable amount of money without the protection of commercial insurance options from Unica Insurance. Every business person needs the right insurance coverage so they can bounce back after a disaster and keep their career on track without suffering financial hardship. Your Unica Insurance broker can provide you with robust commercial insurance coverage, including:

• Commercial Property Insurance
• Commercial General Liability (CGL)
• Commercial Auto Insurance
• SPARK Comprehensive Coverage for Small Business

Do Customers Like Having Coverage With Unica Insurance?

Yes, they do. Our customers tell our Unica insurance brokers that they love how responsive Unica is when dealing with claims, and they appreciate the hassle-free, customer-focused results of the claims process. That's a reverse of the typical complaints we hear about other insurance carriers, so we can confidently say that an outstanding claims process is a big deal for our customers, and they found the service they want and deserve by going through a qualified Unica Insurance broker. That's especially true of VIP home insurance policyholders who appreciate the extra coverages, enhancements and higher limits they receive from Unica's LIVEasy home insurance program.

Can I Get a Bundle Discount From a Unica Insurance Broker?

Yes, your Unica insurance broker can bundle your home, auto and recreational or lifestyle insurance together to net you a discount on your premium. In addition, Unica Insurance will bundle some types of personal and commercial insurance together into a convenient package so you have more opportunities to save. For example, if you have a work vehicle that needs commercial auto insurance, it may be possible for your Unica insurance broker to bundle it with your home insurance.

Can My Unica Insurance Broker Find Other Discounts?

Unica Insurance offers a number of discounts that you may be eligible to receive, and you can count on your Unica insurance broker at Morison Insurance to ensure you get each and every discount you are entitled to on your insurance policy. Some of the discounts available from Unica Insurance are:

• Anti-Theft
• Conviction Free
• Driver's Training
• Graduated Licensing
• Loyalty
• Multi Line
• Multi Vehicle
• New Business Stability
• Retiree
• Private Parking
• Student Away at School

Not sure what some of these mean, or how they may apply to your insurance premium? Consult with the experienced Unica insurance brokers at Morison to find out more about the discounts you are eligible for and how you may be able to access other discounts on your insurance coverage.

Who Owns Unica Insurance?

Unica Insurance Inc. is a subsidiary of La Capitale General Insurance, one of Canada's largest property and casualty insurance providers. Unica has been in business since 1955 and works with a network of Unica insurance brokers in Ontario, including the experienced brokers at Morison Insurance, to deliver exceptional, customer-centric insurance services.

How Can I Get a Quote From a Unica Insurance Broker?

You can get a quote for the right property, auto, lifestyle, umbrella and business insurance through Unica Insurance by calling the dedicated team at Morison Insurance. At Morison Insurance, we work for you—not for the insurance companies. We'll track down the best options for your insurance coverage and provide you with expert recommendations and advice so you can make an informed decision about the financial protection choices that are right for you. Call us today at 1-800-463-8074 or fill out our online form to contact us and get started on a quote.

This content is written by our Morison Insurance team. All information posted is merely for educational and informational purposes. It is not intended as a substitute for professional advice. Should you decide to act upon any information in this article, you do so at your own risk. While the information on this website has been verified to the best of our abilities, we cannot guarantee that there are no mistakes or errors.