Unico American helps protect California businesses from a variety of afflictions. Its Crusader Insurance subsidiary provides commercial multiperil property/casualty insurance, including liability, property, and workers' compensation. Sister company Unifax Insurance services Crusader's policies. Unico American subsidiaries also act as agents for nonaffiliated insurers, provide claims-adjusting services and premium financing, and market individual and group medical, dental, life, and accidental death coverage. All of its policies are marketed by independent insurance agencies and brokers. Former CEO Erwin Cheldin owns a controlling stake in the firm.