Contractors Connection®
Coverage

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

Combining protection for you, your employees, your building materials and your equipment, Contractors Connection® offers best-in-class protection bundled together at a competitive price.

Contractors Connection is perfectly tailored for your clients in these markets:

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

Key Coverage Benefits

Crane and Hoist Operators (Riggers) Liability

Covers your client 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 your client 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 their business.

Faulty Work

Covers your client for the labour costs associated with the removal and replacement of work materials installed by them or on their behalf, that have been rejected by the end client.

Select Sections of Contractors Coverage

  • Property Damage
  • General Liability
  • Employee Dishonesty
  • Land and Water Pollution Cleanup
  • Debris Removal
  • Seizure of Property
  • Lock and Key Replacement
  • Building Inflation Protection
  • Personal Property of Officers and Employees
  • Building Damage by Theft
  • Computer Systems Breakdown
  • Equipment Breakdown
  • Contractors Equipment Loss of Earnings
Optional Coverages Available:
  • Building Coverage
  • Equipment and Tool Floater
  • Business Income
  • Umbrella Liability
  • Privacy Breach

What Contractor successes have we written with our Broker Partners?

Market
 
How Our Broker Partners Won
 
Excavation

Premium: $19,376
Our Underwriting team quickly assessed the risk and worked with our Broker Partner to deliver a customized quote, helping them secure the account despite intense competition.

Renovation

Premium: $13,583
By providing a tailored package with competitive pricing, we enabled our Broker Partner to successfully win the contractor business and develop a long-term client relationship.

Masonry

Premium: $14,975
Faced with a tight deadline, our Underwriter delivered a quick quote, bundling comprehensive coverage to meet the needs of the Broker's client.

 

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.

As equipment theft becomes a common reality for contractors, Unica’s best-in-class Claims service provides the protection needed to keep businesses running smoothly.

Early one morning, a concrete contractor woke up to a major setback: his work vehicle, packed with essential tools and equipment, had been stolen from his driveway. This unexpected blow threatened to bring his projects to a grinding halt and disrupt his entire business. In distress, he reached out to Unica, who understood the gravity of the situation. Unica’s Claims team sprang into action and met with the contractor in person to discuss the loss. The Adjuster efficiently processed the claim and issued a cheque, allowing the contractor to replace his stolen equipment and get back to work with minimal downtime.

With Unica’s commitment to Claims excellence and deep understanding of the unique challenges contractors face, the contractor overcame this hurdle and kept his business on track, proving once again why so many professionals trust Unica to protect their businesses.

Why should you trust your best business clients to 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.

Contractors Connection Marketing Resources

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

Contractor prevention blogs to share with clients

For additional prevention blogs visit unicainsurance.com/blogs

To find out if Contractors 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.
Copyright © 2025 Unica Insurance Inc., All rights reserved.

Our mailing address is:
Unica Insurance Inc.
7150 Derrycrest Drive
Mississauga, Ontario L5W 0E5
Canada