SPARK™—offices

We have designed our SPARK—offices product for specific segments of the Canadian small business office 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!

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Two office workers sitting at their desktop computers in a modern office with a brick interior.

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

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Lawyers, Barristers & Solicitors
Business & Professional Associations
Dentists, Doctors & Optometrists
Engineers
Insurance Agents & Brokers
Accountants

Key Features and Benefits

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Identity Theft Expense
Covers you for compensation paid to your customers for expenses incurred to re-establish their name, credit and accounts following a theft of their personal information from your premises.
Employment Practices
Covers wrongful employment practices that you are liable for by law such as violation of human rights laws (discrimination, harassment, humiliation), regulations relating to employment (recruitment, evaluation, compensation, allocation of work, promotion, demoting, disciplining) and improper termination of employment.
Abuse
Covers defense and compensatory claims for you if it is alleged you have been negligent in your responsibility for an employee who is purported to have committed the abuse of a third party.
Functional Replacement Cost
Covers replacement with new property which may have technological advantages representing an improvement in function and used for the same purposes in the event that new property of like kind and quality is not obtainable.
Loss of Business Income is Actual Loss Sustained
Reimburses you for the total amount of any insured Business Income loss.
Leasehold Interest (Rents)
Covers you for loss suffered due to termination of a favourable lease because of damage to the leased premises by a covered cause. This policy will pay the difference between the current rental value and the rent actually paid prior to the loss for the balance of the lease term, or twelve months, whichever occurs first.
Multi-line Discount
10% discount on commercial property policy if insuring both home and commercial business.

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

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A phoropter inside of an optometrist's office.
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Small business coverage for contractors
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