Welcome to Unifund
Who we are
Unifund was founded in 1972 and is a federally incorporated property and casualty insurance company, headquartered in St. John's NL, Canada. It specializes in personal home and automobile insurance and has been a pioneer of many innovations for the benefit of consumers.
Unifund Assurance Company and Unifund Claims Inc are wholly owned by The Johnson Corporation, a Canadian holding company controlled by the UK based Royal & Sun Alliance 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.
- Johnson Insurance
- Morgex Insurance
- Thomson Jemmitt Vogelzang
- Bradley’s Insurance – Home and Auto
- Hunt Insurance
- Flewwelling Insurance
- Batty & Associated Insurance
- Marshall & Woodwark Insurance
- Haber Blain Insurance
- JB Insurance Services
- Servus Insurance Services - Home and Auto (under license from the owner of the name)
What we do
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 insurance representatives licensed by the various provincial licensing authorities. Unifund Assurance Company is the primary underwriter of personal lines property and casualty insurance policies distributed by Johnson Inc. and its subsidiaries, including Assurance Goguen Champlain Inc. and Cummings Cossitt Insurance Ltd.
Johnson Inc. through its subsidiaries and affiliates is compensated for selling policies by commissions included in 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.
Unifund Claims Inc. (UCI) is also wholly owned by The Johnson Corporation. It is licensed as an insurance adjusting company in the jurisdictions where it operates.
UCI offers adjustment services for home and auto claims for policies underwritten by UAC.
How to reach us
Included in your policy benefits, is access to our award-winning 24-hour emergency claims service. You can report your claim any time of the day or night to one of our friendly and professional representatives, simply visit our Contact Us page to find details for your affiliate provider.