Insights

Cyber risk, in plain English

Practical articles for Canadian SME owners — no fear tactics, no jargon. By J.R. Genua, CCIS.

Myths

"We're too small to be a target" — why that's exactly backwards

Automated attacks don't pick companies off a list. They scan for weakness. Here's why smaller businesses are often the easiest — and most valuable — prey.

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Coverage

The $1M policy that only pays $50K: how sublimits work

Why the headline limit on your cyber policy may be far less than what you'd actually collect — and the buckets to ask your broker about.

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Claims

5 reasons cyber claims get denied (and how to avoid them)

MFA requirements, unpatched systems, voluntary transfers — the fine print that turns a covered loss into a cheque you write yourself.

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Coverage

Closing the cyber protection gap

The space between what traditional insurance covers and what your business actually needs is widening. Here's how cyber insurance closes it.

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Coverage

Cyber insurance: what you need to know

A plain-language primer for SMEs — what cyber insurance covers, first- vs. third-party, and the features that make a policy worth having.

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Trends

Cyber risk tops the threat list for 2025

Cyber risk, supply chain, economic uncertainty, regulation, cash flow — the five threats facing Canadian businesses, and why cyber leads.

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Premiums

Strengthen your security to lower your premiums

Just like locks and alarms cut property premiums, the right cyber controls cut your cyber premium — and protect the business either way.

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Guide

10 things SMEs should know about cyber insurance

From rising premiums and incident response to emerging AI and IoT risks — the ten essentials every Canadian SME should have on its radar.

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