Most Canadian SMBs have GL, D&O, or E&O — but no standalone cyber policy. CyberAgency Essential fills the gap. Ransomware, data breaches, privacy violations, and AI risks that your current policies exclude.
You carry GL, D&O, E&O — but your digital exposure has outpaced your coverage. CyberAgency Essential is a standalone cyber policy built for businesses that need real cyber protection. And when you're ready, AI Shield extends that protection to cover the AI risks everyone else excludes.
Most Canadian SMBs have GL and professional liability coverage but no standalone cyber policy. A data breach, ransomware attack, or privacy violation can cost hundreds of thousands — and your existing policies won't cover it.
Ransomware attacks target Canadian SMBs daily. Without a cyber policy, recovery costs, business interruption, and extortion payments come out of pocket.
A single data breach triggers notification obligations, regulatory fines, and legal defense costs. GL and E&O don't cover privacy violations.
Business email compromise and fraud schemes cost Canadian businesses millions annually. Traditional policies exclude or severely limit this coverage.
When systems go down from a cyber incident, your revenue stops. Without cyber coverage, there's no safety net for lost income during recovery.
Major carriers are adding AI exclusions to GL, E&O, and cyber policies. If your team uses ChatGPT, Copilot, or agentic AI, you may have less coverage than you think.
Your GL covers bodily injury and property damage.
Your cyber exposure needs its own policy.
Our standalone cyber insurance helps Canadian businesses comply with PIPEDA and provincial privacy regulations by providing coverage for data breaches, notification costs, and regulatory defense. When a breach happens, you're protected.
Consulting, marketing, legal — handling client data with digital tools but no cyber policy
Digital-first businesses with significant data exposure and platform risk
Design, content, media — managing client assets and digital workflows
Healthcare, financial services, logistics — PIPEDA obligations and sensitive data
Digital operations, online payments, cloud tools — growing exposure, no cyber coverage
PIPEDA obligations, privacy compliance, and regulatory exposure from digital data processing
If your business handles client data, processes payments, or relies on digital systems, you need standalone cyber coverage.
Standalone cyber for businesses that need real coverage, not just GL and E&O
Best for: Canadian SMBs with digital exposure — online payments, client data, cloud operations — that carry GL, D&O, or E&O but have no standalone cyber policy.
Coverage: Up to $500,000 per incident
AI coverage for businesses whose policies don't cover — or outright exclude — AI use
Best for: Any Canadian business using AI tools — ChatGPT, Copilot, Claude, agentic workflows — whose existing policies (traditional or cyber) have AI gaps or exclusions.
This is our differentiator. Major carriers are adding AI exclusions. We cover what they exclude.
For AI builders and vendors with product-side liability
Roadmap: Specialist coverage for AI builders, SaaS providers, and companies whose core risk lives inside the technology they create.
We understand the Canadian market — PIPEDA, provincial regulations, and the unique cyber exposure facing small and mid-size businesses.
We're the only Canadian MGA building AI-specific coverage alongside traditional cyber. When your team uses AI tools like ChatGPT or Copilot, AI Shield is ready.
We track which risks actually materialize into claims and refine our coverage quarterly so you're always ahead.
Essential fills the cyber gap your GL and E&O leave open. AI Shield extends it to cover AI risks. 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.
We understand small business operations. Our policies are tailored for your scale and budget.
Try our services before you buy. Get personalized insights into your cyber coverage gaps.
Real cyber incidents affecting Canadian businesses — and why traditional insurance didn't cover them
Scenario: A 25-person accounting firm in Calgary had GL and E&O policies but no standalone cyber coverage. An employee clicked a phishing link that encrypted their entire client database.
Impact: 2,400 client tax records encrypted, 3 weeks of business interruption, $180K ransom demand, $200K in forensics and legal fees.
Why Insurance Didn't Cover It: Their E&O policy covered "professional errors" and their GL policy covered "bodily injury and property damage." Neither covered ransomware, data recovery, or cyber extortion. Claim denied.
Solution: CyberAgency Essential covers ransomware, data recovery, business interruption, and cyber extortion — the gaps GL and E&O leave open.
Scenario: A Toronto law firm suffered a data breach when an attacker compromised an employee's email credentials via spear phishing. The attacker accessed 6 months of client communications.
Impact: 800 client files exposed, mandatory PIPEDA breach notification to all affected parties, $320K in legal defense and regulatory fines, $200K in credit monitoring and client compensation.
Why Insurance Didn't Cover It: Their GL policy excluded "electronic data" and their crime policy required "direct theft" — not credential-based access. Claim denied.
Solution: CyberAgency Essential covers data breach notification costs, regulatory defense, and privacy liability.
Scenario: A Vancouver consulting firm received a fraudulent email appearing to be from a major client, requesting an urgent wire transfer to "updated banking details." The email looked legitimate.
Impact: $150K wire transfer completed before detection, client relationship damaged, 6-month investigation by RCMP, no recovery of funds.
Why Insurance Didn't Cover It: Their crime policy had a "voluntary transfer" exclusion — the money was sent willingly, even though under false pretenses. Claim denied.
Solution: CyberAgency Essential covers social engineering fraud and business email compromise with proper endorsements.
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.
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