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For manufacturing & distribution · Canada-wide

Ten days down. Half a million gone.

For a manufacturer, downtime is the loss. Ransomware that stops the line costs far more than any ransom, and manufacturing is now one of the most-targeted sectors in the country. I help you find the gaps in your cyber coverage, then bring the whole program under one roof.

The Cyber Coverage Blueprint™, J.R. Genua, CCIS, Certified Cyber Insurance Specialist

The exposure

How a cyber loss hits a manufacturer

Attackers know a plant can't afford to stop. That leverage, plus valuable IP and long supplier chains, puts manufacturing near the top of the target list.

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Ransomware & line downtime

Production systems and scheduling frozen. Every hour down is lost output, missed deliveries, and penalty clauses, far beyond the ransom.

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Supplier & payment fraud

Spoofed emails redirect supplier payments or payroll. High-value transfers are common, and the sublimit rarely matches.

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IP & design theft

Drawings, formulas, and process data are worth stealing, by criminals and competitors alike.

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Supply-chain exposure

You connect to suppliers, logistics, and customers. A breach anywhere in the chain can flow to you, or make you the entry point.

Customer & product data

Order data and customer information trigger notification duties and contractual liability when exposed.

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The real question

Does your current policy actually cover this, at a limit that matters? Let's find out →

A composite Canadian case

It happens to firms just like yours

Composite cases drawn from Canadian SME claims patterns. Each had insurance. Each found the gap too late.

Alberta · Manufacturer
$500,000+ lost output

Ransomware shut production for 10 days. The firm paid a $150K ransom, then lost half a million in output and a major contract for good.

What would have prevented it: Tested offline backups, MFA, and business-interruption cover at the full limit, not a sublimit.
Ontario · Metal fabricator
$240,000 diverted

A finance clerk paid a spoofed supplier invoice with updated banking. The cyber policy's funds-transfer cap was $50K.

What would have prevented it: A funds-transfer sublimit sized to real invoices and a callback rule on any banking change.
Quebec · Food processor
Contract lost

A breach exposed a customer's specs and data. The customer imposed cyber requirements the processor couldn't meet, and moved the work.

What would have prevented it: Coverage that satisfied the customer's contractual cyber clause, plus vendor controls.

The whole tower, one broker

Cyber is one floor of your coverage. Let's look at the whole building.

Cyber is where we start, because downtime is the exposure most plants underinsure. But your property, your equipment breakdown, your liability, and your fleet shouldn't run through brokers who never compare notes. I place the full commercial program so it lines up.

One review. One broker who sees the whole operation. Fewer gaps, and usually a cleaner price.

Review my whole program
CYBER · the entry floor
Wire-fraud, ransomware, breach response, business interruption
Property & Business Interruption
Buildings, stock, and the income you lose when the line stops
General & Product Liability
Third-party injury and product-related claims
Equipment Breakdown
Machinery, boilers, and critical production hardware
Commercial Auto & Fleet
Delivery vehicles and transport
Cargo / Goods in Transit
Product moving to customers

No pressure, no obligation

Get a free cyber coverage review

Already carry cyber? I'll review it and flag the gaps for your operation. Don't have it, or want the whole program looked at? I'll walk you through your options with no obligation.

Book a free 20-minute call, or use the form below:

I have cyber insurance, review my policyNew to cyber insurance, learn more

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.

I'll personally reply within one business day to set up your review, no call centre, no obligation.