Cybersecurity consultants in Canada typically need four coverages: professional liability (errors and omissions), cyber liability, commercial general liability, and business contents insurance. The reason is simple. Clients blame the person who told them they were secure.
Software developers build the systems everything else runs on, and carry the liability when something breaks. Here's the coverage Canadian devs, freelancers, and dev shops actually need, and what each policy does when a claim lands.
AI has made phishing emails grammatically perfect and fraudulent phone calls sound like your boss or colleague. Here's how Canadian small businesses are being targeted in 2026, what an attack actually costs, and what cyber insurance covers when your defences fail.
Small business owners know many business-related expenses can help lower taxable income. But what about insurance premiums? The short answer is yes, but it doesn't apply to all types of coverage. Here's exactly what Canadian owners can write off.
A care, custody, and control exclusion means your insurance won't pay for someone else's property when it's damaged in your hands. Here's how it works, and how to cover the gap.
Gyms and fitness centres face injury claims, equipment breakdowns, harassment allegations, and cyberattacks. Here are the nine most common risks – and the gym and fitness centre insurance coverages that protect your finances when something goes wrong.
As a new school year begins, it’s not just lesson plans that need reviewing – your protection does, too. From liability claims to unexpected accidents, educators in Canada face real risks. Here’s what tutors and educators need to know to stay focused on what they do best: teaching.
Data shows that 48% of Canadian small businesses have implemented any form of cyber defence, and only 22% have cyber insurance. Here's why it's time to get serious about protecting your business from cyber threats.
Business insurance policies are full of jargon – binders, perils, riders, exclusions. When buying or renewing a policy, use this quick, plain-language rundown of the 21 commercial insurance terms every Canadian business owner should understand.
IT consultants require comprehensive insurance to minimize financial, legal, and operational risks and avoid financial turmoil. Most IT consultants in Canada need professional liability (errors and omissions) insurance, cyber liability, and general liability insurance at a minimum. Here’s what you should know.