Your GL, D&O, and E&O policies probably don't cover cyber losses. Standalone cyber insurance fills the gaps — ransomware, data breaches, AI liability, and PIPEDA fines included. Free 5-minute risk assessment.
Quick answer
Canadian small businesses usually need standalone cyber insurance because GL, D&O, E&O, crime, and package policies often leave gaps for ransomware, breach response, privacy liability, cyber business interruption, social engineering, and AI-related losses. CyberAgency Essential is the entry standalone cyber product for Canadian SMBs that use technology in daily operations.
CyberAgency Essential is a standalone cyber policy for Canadian businesses that use technology in their operations — ransomware, data breach, business interruption, privacy events, and cyber liability that traditional policies leave behind.
Essential is designed for businesses that USE technology — retail, construction, manufacturing, hospitality, transportation — not businesses whose customers rely on their technology services or professional deliverables. For that, see CyberAgency Professional.
Most Canadian SMBs still rely on GL, D&O, E&O, or packaged business policies that were never designed to fully respond to ransomware, breach response, privacy liability, and cyber business interruption.
When systems are encrypted or operations freeze, most businesses learn the hard way that cyber business interruption, restoration, and response costs need dedicated coverage.
A compromised mailbox, misdirected funds transfer, or exposed customer records can trigger forensic work, legal costs, notifications, and regulatory headaches that GL policies do not cleanly absorb.
Your MSP, cloud provider, payroll system, or email platform can become the point of failure. Essential is designed for a world where your cyber risk extends beyond your own office walls.
Many businesses assume GL, E&O, or packaged business coverage will respond to cyber events. Often it will not — or only partially, after an ugly fight over wording.
Essential fills the standalone cyber gap for businesses that rely on technology to operate. If your business also provides technology or professional services to clients, CyberAgency Professional extends this foundation with tech E&O and professional liability.
Essential exists because most Canadian SMBs are still under-protected. It is the foundation product — the clean standalone cyber layer that sits where traditional business policies fall short.
We would rather show you where the cyber gap is than pretend a packaged business policy covers everything. That bullshit helps no one.
If your business has meaningful AI-specific exposure on top of the core cyber need, Essential becomes the base and AI Shield becomes the follow-on overlay. If clients rely on your technology services or professional advice, start with Professional.
Use the analyzer and calculator to understand where your current policies stop, what your likely cyber gap looks like, and what level of standalone coverage makes sense.
24/7 access to incident responders for ransomware, breach response, legal coordination, customer notification, forensic investigation, and recovery.
We focus on the real cyber events that hit Canadian SMBs: ransomware, phishing, wire fraud, privacy breaches, vendor incidents, and operational disruption.
Complete protection in one policy—no add-ons required
Traditional cyber threats covered
Ransomware and social engineering
Third-party and legal exposure
Canadian privacy protection
24/7 emergency response
Proactive risk management
Coverage Limit: Flexible limits based on business need
Starting Point: Use the calculator for an estimate
Accounting shops, law practices, brokerages, and advisory firms that primarily use technology to run the business rather than deliver technology services to clients.
Real estate teams and service businesses handling client information, payments, cloud workflows, and operational downtime risk.
Clinics, health practices, and service providers handling regulated personal information and facing high breach response costs.
Retailers and ecommerce businesses exposed to payment fraud, credential compromise, customer-data incidents, and digital downtime.
Manufacturers and suppliers dependent on email, ERP, shipping, and vendor systems that can all become cyber choke points.
Any business with customer data, funds transfer exposure, cloud dependency, or a serious operational cost if systems go dark.
We are not going to fake bindable pricing from a marketing page. Essential is a real standalone cyber product, and the right premium depends on your revenue, controls, industry, claims posture, and exposure profile.
Standalone cyber for Canadian SMBs
Canadian businesses that need a standalone cyber policy because their existing GL, D&O, E&O, or packaged business coverage leaves meaningful cyber gaps. Essential is designed for businesses that use technology — not businesses providing technology or professional services to clients (see CyberAgency Professional).
Because many existing business policies either exclude cyber outright or respond inconsistently. Essential exists to provide the clean standalone cyber layer most businesses actually need.
An entry-point standalone cyber product built for Canadian SMBs, plus a clearer sense of what your remaining coverage and operational gaps look like.
If your customers rely on your technology services, software deliverables, or professional advice, you need CyberAgency Professional which includes tech E&O and professional liability alongside the cyber foundation.
Essential is the base standalone cyber product. AI Shield is the follow-on overlay for AI-specific exposure. Both Essential and Professional support AI Shield stacking. For businesses providing tech or professional services, CyberAgency Professional adds tech E&O and professional liability.
Because cyber underwriting should not be fake theatre. The right premium depends on your controls, revenue, industry, claims posture, and exposure footprint — not three vanity fields on a landing page.
Use the analyzer and calculator to see where your current coverage may fall short and whether a standalone cyber policy is the right next move.