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Policy Wordings

Lawyers Financial Office Insurance Program is underwritten by Unica InsuranceĀ® rated A+ (Superior) by A.M. Best and is licensed in all Canadian provinces and territories. The company is backed by the financial strength of the world's largest reinsurers and offers property, casualty and specialty lines insurance products.

PROPERTY and CGL (Commercial General Liability) with coverages summary and wordings are available below as a combined PDF document.

Declaration Pages provide the summary of your coverages.

PROPERTY wordings are for the damage or loss of physical property.

CGL (Commercial General Liability) wordings are for bodily injury and property damage to a 3rd Party caused by the Named Insured's negligence as a result of the operations for which they are insured.

Current Policy Wordings

Policies with an effective date on or after January 1, 2021

Unica Policy Declaration Pages (Summary) 

The declaration pages provide a detailed overview of your coverages and related policy wordings. This document applies to all policies with an effective date on or after Jaanuary 1, 2021. You can download the coverages summary below.

Click Here to Download

Coverages Summary (Declaration Pages), Property and CGL Wordings Package 2020-03-20 (Policies with an effective date on or after January 6, 2020)


This Document Contains:
Click Here to Download the Document

Coverages Summary (Declaration Pages), Property and CGL Wordings Package 2019-10-29 (Policies with an effective date prior to January 6, 2020)

This Document Contains:
Click Here to Download the Document

You may also download the coverages summary (Declaration Pages) below, if you would like to view or print them on their own

Declaration Pages (Coverages Summary) Package 2020-01-06 (Policies with an effective date on or after January 6, 2020)

This Document Contains:
Click Here to Download the Document

Declaration Pages (Coverages Summary) Package 2019-10-29 (Policies with an effective date prior to January 6, 2020)

This Document Contains:
Click Here to Download the Document

Optional coverage wordings if applicable to you

Umbrella Wording Package 2017-02-10

This Document Contains:
Click Here to Download the Document

Excess Auto Wording Package 2017-02-10

This Document Contains:
Click Here to Download the Document

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