Most Canadian SMBs carry GL, D&O, and E&O — but no standalone cyber policy. CyberAgency fills the gap. Ransomware, data breaches, privacy violations, and AI risks that your current policies exclude.
Your GL covers bodily injury and property damage. Your E&O covers professional errors. Neither covers what happens when your business gets hit by a cyberattack.
Recovery costs, business interruption, and extortion payments — all out of pocket without cyber coverage.
Notification obligations, regulatory fines, and legal defense. GL and E&O don't cover privacy violations.
Business email compromise costs Canadian businesses millions. Traditional policies severely limit this.
When systems go down, revenue stops. No cyber coverage means no safety net for lost income.
Major carriers are adding AI exclusions. If your team uses ChatGPT or Copilot, you may have less coverage than you think.
Start where you are. Grow into what you need.
Core cyber for businesses that use technology
Best for: Canadian businesses with GL, D&O, or E&O — but no standalone cyber policy.
Cyber + technology liability for service firms
Best for: MSPs, IT consultants, digital agencies — whose clients rely on their tech deliverables.
AI coverage that stacks on Essential or Professional
Best for: Any Canadian business using ChatGPT, Copilot, Claude, or agentic AI workflows.
From gap analysis to coverage in four steps.
Upload your current policy. Our AI scans for cyber and AI coverage gaps in 10 minutes.
See exactly what's covered and what's exposed. Plain English, no jargon, no pressure.
Essential for businesses that use tech. Professional for service firms. AI Shield on top of either.
Quick bind through our broker network. Coverage starts fast so you're protected.
Built for the Canadian market. Aware of AI risks. Focused on SMBs.
We understand PIPEDA, provincial regulations, and the unique cyber exposure facing small and mid-size businesses across Canada.
The only Canadian MGA building AI-specific coverage alongside traditional cyber. When your team uses AI tools, AI Shield is ready.
We track which risks actually materialize into claims and refine coverage quarterly so you're always ahead of emerging threats.
Essential fills the cyber gap. Professional extends for service firms. AI Shield adds AI coverage. Start where you are, grow into what you need.
No jargon, no confusion. We explain your coverage gaps in plain language so you know exactly what you're protected against.
Try before you buy. Get personalized insights into your cyber coverage gaps with our AI-powered Policy Gap Analyzer.
Real incidents. Real losses. Traditional insurance didn't cover them.
A 25-person Calgary firm had GL and E&O — no cyber policy. Phishing link encrypted 2,400 client records. Ransom: $180K. Forensics: $200K.
Toronto law firm. Spear phishing compromised email credentials. 800 client files exposed. PIPEDA notification required.
Vancouver consulting firm. Fraudulent email from "client" requested wire transfer. $150K gone before detection.
Upload your current policy. Get a detailed report on what's missing. 10 minutes, no obligation.
Complete our 10-minute cyber risk assessment. Find out where your GL, D&O, and E&O policies leave you exposed.
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CyberAgency Essential is a standalone cyber insurance policy for Canadian SMBs. It covers ransomware, data breaches, privacy violations, business interruption, and social engineering fraud — the cyber exposures your GL, D&O, and E&O policies don't cover.
If your business handles client data, processes payments online, or relies on digital systems, you likely need standalone cyber coverage. GL and E&O policies cover bodily injury, property damage, and professional errors — but not ransomware, data breaches, or privacy violations.
CyberAgency Essential starts at competitive monthly rates for comprehensive coverage up to $500,000 per incident. Pricing depends on your industry, revenue, data sensitivity, and security posture. Contact us for a personalized quote.
Yes. CyberAgency Essential covers PIPEDA breach notification costs, regulatory defense, and privacy liability. We understand Canadian federal and provincial privacy requirements and help you meet them.
AI Shield is our core product for businesses using AI tools like ChatGPT, Copilot, or agentic workflows. It covers AI-specific risks like prompt injection, hallucination liability, and model extraction that traditional and even some cyber policies exclude. It sits alongside your existing coverage.
Cyber insurance covers ransomware and extortion payments, data breach notification and forensics, privacy violation defense and regulatory fines, business interruption from cyber incidents, and social engineering fraud. GL policies exclude most of these exposures.
Use our free AI Policy Gap Analyzer to upload your current policy and get a detailed report on what's covered and what's missing. No signup required.
Practical guides, policy comparisons, and free tools from CyberAgency.ca for Canadian businesses evaluating cyber insurance.
Coverage, PIPEDA breach obligations, underwriting controls, policy gaps, and how Canadian businesses should compare cyber policies.
Read Guide →Start here for CyberAgency.ca guides on cyber liability, AI exclusions, ransomware, PIPEDA, policy gaps, and quote preparation.
Open Resources →Most Canadian cyber policies don't cover AI-related risks. Learn what's excluded and how to close the gap.
Read Article →Why your GL and E&O won't cover a ransomware attack — and what Canadian businesses need to know.
Read Article →"We're too small to be targeted." "GL covers cyber." Six dangerous myths debunked for Canadian businesses.
Read Article →Major carriers are adding AI exclusions to GL and cyber policies. Here's what it means for your business.
Read Article →What Canadian businesses need to know about PIPEDA compliance, breach notification, and privacy liability coverage.
Read Article →Many Canadian businesses have incidental cyber coverage hidden in GL or property policies — but it's not enough. Learn how to identify and close the silent cyber gap.
Read Article →Partner with CyberAgency to offer differentiated cyber and AI coverage to your Canadian SME clients. Expand your book with products designed for the AI era.
Learn About PartnershipsAnswers to common questions about cyber insurance for Canadian businesses.
Yes. CyberAgency offers AI Shield, a specialized cyber insurance product for Canadian businesses using AI tools like ChatGPT and Copilot. It covers AI-related data breaches, algorithmic liability, and AI exclusion gaps in your existing policies.
CyberAgency's Gap Analyzer scans your existing policies for free and identifies cyber coverage gaps in minutes. It checks for 56 risk factors across 11 coverage categories, giving you a clear picture of where you're exposed.
CyberAgency's AI Shield covers losses arising from AI tool usage including data leaks, hallucination liability, and algorithmic bias claims. It fills the gaps left by AI exclusions in traditional cyber and liability policies.