Insights
Cyber risk, in plain English
Practical articles for Canadian SME owners, no fear tactics, no jargon. By J.R. Genua, CCIS.
Your best defence is you: a simple cyber checklist for Canadian businesses
October is Cyber Security Awareness Month. Five simple habits that prevent most incidents, and where cyber insurance fits when they are not enough.
Read article → Emerging RiskYour business is using AI. Your insurance might have quietly stopped covering it.
Insurers have started carving AI out of standard policies. Here is what the shift means for Canadian businesses, and the questions to ask before renewal.
Read article → CoverageCyber is your first floor, not your whole house
A closed door is not a locked one. How cyber controls and coverage work together, and how cyber fits into your full protection as you grow.
Read article → Myths"My liability policy covers a hack", why it almost certainly doesn't
Most Canadian SMEs assume their commercial general liability policy responds to a breach or ransomware. The wording is usually written to do the opposite, here's what actually pays.
Read article → 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.
Read article → CoverageThe $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.
Read article → Claims5 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.
Read article → CoverageClosing 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.
Read article → CoverageCyber 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.
Read article → TrendsWhy cyber risk tops the list of threats to Canadian businesses
Cyber risk, supply chain, economic uncertainty, regulation, cash flow, the five threats facing Canadian businesses, and why cyber leads.
Read article → PremiumsStrengthen 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.
Read article → Guide10 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.
Read article →Get the full guide
Everything in these articles, plus real case snapshots and a coverage checklist, in one free e-book.
Download the free e-book