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An MSP holds the keys to every client it serves. That makes you a force-multiplier target: breach you once, and the attacker reaches everyone downstream. Your cyber and Tech E&O have to be built for that reality, not bolted on as an afterthought.
The exposure
You are both a target and a gateway. Attackers go after MSPs precisely because one compromise cascades to every client you manage.
Compromise your tools or credentials and the attacker moves into every client at once. One incident becomes many claims.
A mistake, an outage, or a missed patch on a client system can trigger a professional liability claim, separate from your own breach.
You hold and access client systems and data. When something goes wrong, the liability and notification duties often land on you.
Your RMM, backups, and management tools are the crown jewels. Losing them takes you and your clients down together.
Clients increasingly require you to carry cyber and Tech E&O at set limits. The wrong wording loses you the contract.
Does your current policy actually cover this, at a limit that matters? Let's find out →
A composite Canadian case
Composite cases drawn from Canadian SME claims patterns. Each had insurance. Each found the gap too late.
Attackers reached the MSP's remote-management tool and pushed ransomware to several clients in one night. Each client came back with a claim.
A configuration error during a migration took a client offline for two days. The client sued for lost revenue, a professional-liability exposure, not a breach.
A client demanded proof of cyber and Tech E&O at limits the reseller didn't carry. The account went to a competitor who did.
Built around your real exposure
No filler, no lines you don't need. We build the cyber and Tech E&O around your real exposure, first-party, third-party, and the professional risk that comes with touching client systems, then take it to specialist underwriters who understand MSPs.
Ransomware, business interruption, breach response, and restoration of your own stack.
Client data, privacy, and the claims that cascade when your breach reaches them.
Errors, outages, and missed work on client systems, the professional exposure unique to IT.
No pressure, no obligation
Already carry cyber and Tech E&O? I'll review the wording and flag the gaps for an MSP. Don't have it, or need to meet a client's contract? I'll walk you through your options with no obligation.
Book a free 20-minute call, or use the form below:
Insurance services are provided by St. Andrews Insurance Brokers Ltd., a licensed Ontario insurance brokerage. J.R. Genua is a Registered Insurance Broker with St. Andrews. CyberInsuranceBroker.ca is an independent educational resource; no coverage is bound here.