A commercial office building in a business park.

Commercial Building Owners Connection™ Coverage

Dedicated protection backed by Unica’s best-in-class claims service and expertise.

Unica’s Commercial Building Owners Connection™ is designed to meet your best building owner clients' unique needs. This tailored solution offers comprehensive protection for physical assets, business income, liability, and employees. It allows building owners to focus on running their operations, confident their investment is backed by Unica’s best-in-class coverage and Claims service.

Commercial Building Owners Connection
is perfectly tailored for your clients in these markets:

  • Office Buildings
  • Commercial Plazas
  • Retail Plazas
  • Industrial Plazas

Key Coverage Benefits

Land and Water Pollution Clean Up

Covers your client for expenses to clean up pollutants from land or water at their insured premises resulting from an accidental spill, discharge, emission, dispersal, seepage, leakage, release, migration or escape of pollutants.

Rental Income Actual Loss Sustained

Covers your client for the total amount of any insured Rental Income loss.

Underground Utilities Extension

Extends the building coverage to cover sewers, drains or watermains underground within the property lines.

Mortgage Rate Guarantee

Covers your client for the difference of an increase in mortgage interest costs resulting from a total loss to the “building” when they are required to close the existing mortgage and arrange a new mortgage at a higher interest rate.

Select Sections of Commercial Building Owners Coverage

  • Property Damage
  • Debris Removal
  • Inflation Protection
  • Building By-laws
  • Building Definition Extension
  • Equipment Breakdown
  • New Construction
  • Employee Dishonesty
  • General Liability

Optional Coverage Available:

  • Sewer Back-up
  • Flood
  • Earthquake
  • Umbrella Liability
  • Condominium Directors & Officers Liability

What building owner successes have we written with our Broker Partners?

Market
 
How Our Broker Partners Won
 
Industrial Condo

Premium: $9,489
Unica worked with the Broker Partner to meet their target premium and offered competitive rates that also provided Directors & Officers Coverage.

Commercial Plaza

Premium: $121,495
With over two dozen locations, underwriting expertise from Unica was key to understanding the risk and providing quick turnaround to a trusted Broker Partner.

Office Building

Premium: $14,420
The Broker Partner knew Unica well and came directly to Unica with a rush quote that our Underwriter was able to bind the same day.

Retail Plaza Premium: $37,810
Thanks to our strong relationship with the Broker Partner, we fully understood tenant exposures and delivered pricing and coverage that met expectations.

 

Claims Service –
Prompt. Professional. Personal.

Unica’s Connection coverage is backed by our Guaranteed Repair Program—a commitment by our Claims team and service partners to safeguard your client's business when losses happen, and minimize any disruptions.

96.3
of new claims are contacted within the first two hours.

98%
of Unica Insureds are satisfied with their Claims experience.

Trust Unica to respond swiftly with the expertise you need to protect your client's commercial investment, no matter when a claim arises.

A vehicle lost control while speeding into the drive-through of a gas station car wash and crashed into a building in a mid-size commercial plaza, which is insured by Unica.

Unica’s Claims team arrived on-site with a contractor and a structural engineer within 24 hours of the incident being reported and quickly assessed the building, reviewing structural drawings to ensure that the integrity of the building had not been compromised.

Thanks to the prompt response and extensive restoration expertise of Unica’s adjuster, the office located in the building was able to continue operations with little interruption. This also meant, to the relief of our insured, that there were negligible losses to the business’s income, including emergency and repair costs.

Why should you trust your best business clients with Unica?

Financial Strength

Unica maintains an A (Excellent) rating from A.M. Best, demonstrating our financial strength and creditworthiness.

Niche Commercial Focus

By focusing on dedicated business segments, Unica delivers specialized coverage tailored by our team of commercial experts.

Best-in-Class Claims Service

During the claims process, Unica prioritizes fast response times, consumer choice, and policy coverage, leading to a high level of satisfaction in post-claim surveys.

In-House Loss Control Experts

Unica’s Loss Control team works directly with Broker Partners to provide risk prevention and mitigation solutions to their clients.

Disaster Services Network's
Stephanie Beattie on Unica's Best-in-Class Claims Service

Share the Direct Link

Follow #WithUnica on social media for additional prevention tips, claims stories and coverage highlights. 

@unicainsurance

Commercial Building Owners prevention blogs to share with clients

For additional prevention blogs visit unicainsurance.com/blogs

To find out if Commercial Building Owners Connection is right for your commercial clients, speak to your Dedicated Unica Underwriter today.

Are you interested in joining Unica's network of Broker Partners?

Information provided here serves as a general guideline only.
Please refer to the policy wordings for full coverage details or speak with your Underwriter.
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