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Don't see your industry above? It doesn't matter. Automated attacks don't sort businesses by sector, they scan for weakness and take what they find. If your business moves money, holds data, or depends on being online, the exposure is real. Let's find your gaps before an attacker does.
The exposure
Whatever you do, the core exposures are the same. Attackers follow weakness, not industry.
One convincing email and an employee wires funds or hands over credentials. The most common entry point, by far.
Files encrypted, operations frozen, a ransom demand. Downtime alone can cost more than the ransom itself.
Your data is only as secure as your weakest vendor, and you can be held responsible for their breach.
No malice required. A misdirected email or a reused password is all it takes to trigger a costly incident.
PIPEDA and provincial laws force breach notification. Fines, legal costs, and lost trust follow.
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.
Wired $80K on a fake vendor invoice. The cyber endorsement sublimit was just $10K, and the claim was denied for having no MFA.
Ransomware froze production for 10 days. Paid a $150K ransom, then lost half a million in output and a major contract.
Unauthorized access to patient records triggered mandatory notification, credit monitoring, and lost patients.
The whole tower, one broker
Cyber is how we start the conversation, because it's the gap most businesses miss. But your liability, your property, your vehicles, and your professional exposure shouldn't run through brokers who never talk to each other. I place the full commercial program so it lines up.
One review. One broker who sees the whole risk. Fewer gaps, and usually a cleaner price.
Review my whole programNo pressure, no obligation
Already carry cyber? I'll review it and flag the gaps for your business. Don't have it, or want the whole program looked at? I'll walk you through your options. Either way, you'll leave knowing exactly where you stand.
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.