Unifund is wholly owned by The Johnson Corporation, a Canadian holding company controlled by the UK based Royal & SunAlliance Insurance Group. The various provincial government insurance departments and applicable rate review boards regulate Unifund’s market conduct and rates, and the Office of the Superintendent of Financial Institutions Canada (OSFI) regulates its solvency. Unifund is a member of the Insurance Bureau of Canada and participates in the General Insurance Ombudservice and the Ontario Automobile Insurance Ombudsman system.

Unifund is managed by its affiliated company, Johnson Inc., under a Managing Agency Agreement (MAA). Johnson Inc. is paid on a commission basis for managing, underwriting, processing and other necessary services, as well as through fees for certain claims services. All policies of Unifund are sold through representatives licensed by the various provincial licensing authorities. Johnson Inc. is the primary intermediary and employs licensed representatives across Canada. Unifund Assurance Company is the primary underwriter of personal lines property and casualty insurance policies distributed by Johnson Inc. Johnson Inc. is compensated for selling policies by commissions included within the overall rates set out in the MAA.

The MAA is reviewed to ensure fair market terms and conditions under the provisions of the Federal Insurance Company Act. Those procedures are supervised by the Conduct Review Committee of Unifund's Board of Directors. All members of that committee are independent and unaffiliated directors.

Unifund does not provide any loans or financing to any agent, broker or other licensed intermediary or representative. Effective 2005, Unifund does not pay any form of contingency or profit commission.

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