Cyber insurance is not standardized. Two policies with the same limit can respond completely differently after a breach. CyberAgency helps Canadian businesses compare cyber liability policies, identify hidden exclusions, and find coverage gaps — starting with a free AI-powered gap analysis.
A cyber insurance broker specializes in navigating the cyber liability market for businesses — from risk assessment and policy comparison to claims advocacy.
A cyber broker evaluates your business's specific digital risk profile — from data handling practices and cloud dependencies to regulatory obligations under PIPEDA and provincial privacy laws like Quebec's Loi 25.
The Canadian cyber insurance market has dozens of carriers with vastly different policy wording. A cyber broker knows which markets write cyber competitively and which policies have silent gaps or aggressive exclusions.
Cyber policies are not standardized. Sublimits on social engineering, dependent business interruption, and regulatory defence vary dramatically. A specialist broker compares the actual contract language — not just the limit number.
When a claim happens, a cyber broker advocates for your business with the carrier — ensuring proper interpretation of coverage, managing the incident response panel, and maximizing your settlement. This matters most when the fine print is tested.
Unlike GL or property policies, cyber insurance wording varies significantly between carriers. Insuring agreements, exclusions, sublimits, and response panels all differ. A general broker may miss critical gaps that a cyber specialist would catch immediately.
AI exclusions, prior knowledge clauses, dependent business interruption sublimits, and silent cyber gaps can leave your business exposed. A cyber insurance broker reads the actual contract language and flags these before you buy.
PIPEDA is federal, but Quebec's Loi 25, Alberta's PIPA, and BC's PIPA impose different breach obligations and penalties. A Canadian cyber broker understands which policies respond to each province's regulatory framework.
A cyber breach happens fast. Your broker connects you with breach coaches, forensic investigators, and legal counsel immediately — and advocates with the insurer to ensure your claim is handled properly and promptly.
Most Canadian businesses now use AI tools — ChatGPT, Copilot, or custom models. Many cyber policies are adding AI exclusions. A cyber broker who tracks these changes can ensure your coverage keeps pace with your actual risk.
Different industries face different cyber threats. Find guidance for your sector.
Patient data, PIPEDA/PHIPA compliance, telehealth vulnerabilities, and medical device risk.
POS attacks, PCI DSS, payment card breaches, and online fraud exposure.
BEC, client data exposure, cloud tool dependencies, and trust account fraud.
Technology E&O, client system access, ransomware liability, and vendor cascade risk.
Privacy regulations and cyber risk profiles vary by province. Find coverage guidance for your region.
Upload your current insurance policy and our AI-powered gap analyzer identifies what's missing — hidden exclusions, silent cyber gaps, AI exposures, and underinsured risks. Get a detailed report in under 2 minutes.
A cyber insurance broker helps businesses navigate the complex cyber insurance market by assessing cyber risk, comparing policies from multiple carriers, identifying coverage gaps and exclusions, and advocating during the claims process. In Canada, a knowledgeable cyber broker also understands PIPEDA breach obligations, provincial privacy regulations like Quebec's Loi 25, and industry-specific cyber exposures.
A general insurance broker handles broad commercial lines like property, GL, and auto. A cyber insurance broker specializes in cyber liability, data breach, ransomware, and technology E&O coverage. Cyber policies are not standardized — two policies with the same limit can respond very differently. A cyber specialist understands sublimits, silent cyber gaps, AI exclusions, incident response panels, and the specific regulatory landscape including PIPEDA and provincial privacy laws.
Yes. General liability policies cover bodily injury and property damage — not data breaches, ransomware, privacy violations, or business interruption from cyber incidents. Most GL policies now include cyber exclusions. A cyber insurance broker can identify these gaps, recommend standalone cyber coverage, and ensure your cyber policy complements your existing commercial insurance program.
Cyber insurance in Canada typically costs $1,500 to $5,000 annually for small and mid-size businesses, depending on industry, revenue, data volume, security controls, and province. Businesses in heavily regulated sectors like healthcare or financial services may pay more. Use our free cost calculator for an instant estimate based on your specific profile.