• Business Interruption: Covers income loss and increased operating costs when your systems are taken offline by a cyber event, including outages at third-party technology providers your business depends on.
  • Cybercrime: Responds to financial losses caused by funds transfer fraud, social engineering, theft of funds, unauthorized use of accounts, and cyber extortion demands.
  • Privacy Liability: Covers third-party claims and regulatory investigations arising from a network security or privacy event — including OPC inquiries, provincial privacy commissioner proceedings, fines to the extent insurable, and PCI DSS assessments for businesses that accept payment cards.
  • Incident Response: Covers the real-time cost of responding to a cyber incident — IT forensics, legal advice, mandatory breach reporting to the Office of the Privacy Commissioner of Canada, and notification and credit monitoring for affected individuals.