Cyber Insurance
Protect your family and home from digital threats.
You protect your home and vehicle, but what about your digital properties? As our online activities increase for work, play and study, cybercrime is also becoming a threat for most Canadian households.
Your guide to cyber insurance.
Many online attacks target individuals and families. Cyber insurance is designed to help you prevent, mitigate and recover from cybercrime. It helps protect against financial loss by covering related expenses, fraudulent charges, stolen funds, extortion fees and more.
Personal cyber insurance can protect you from the long-lasting impacts of:
- Identity theft
- Fraud
- Hacking
- Cybercrime
- Cyberstalking or harassment
Coverage across Canada.
Get cyber insurance by phone or in person at your nearest location.
Our most common cyber coverage types.
Cyber insurance helps protect you financially if you’re the victim of cybercrimes such as online fraud, cyberattacks, cyberbullying and more. Find peace of mind with these different types of coverages.
Cyberattack Coverage
In the event of unauthorized access or use of your computer or other home devices, this coverage may help with the cost of restoring systems or data.
Cyber Extortion Coverage
This coverage helps with extortion expenses incurred and money paid resulting from a credible cyber threat.
Cyber Fraud Coverage
This assists with financial losses resulting from the unauthorized use of your credit card and accounts or identity theft.
Cyberbullying Coverage
This assists with the cost of counselling and/or professional cybersecurity, plus legal expenses for removing online content and monitoring software to prevent further occurrences.
Data Breach Coverage
This coverage helps with the loss, theft, accidental release, or accidental publication of personal and identifiable information for one or more affected individuals.
Why choose Acera insurance for
cyber insurance?
If you need to make a claim, our experienced advisors work with you to help mitigate the damage, recover, and protect yourself financially.
Specialty Coverage
As an independent brokerage, Acera Insurance has access to top insurers specializing in cyber insurance who are well-informed on ever-evolving cybercriminal activities.
Personalized Customer Service
Our dedicated insurance advisors will take the time to get to know your distinct needs and work with you to create a customized cyber insurance solution for you.
Commitment to Excellence
At Acera Insurance, everything we do revolves around giving our clients the best service experience and the utmost certainty in our solutions.
Helpful tips from our advisors.
Our team is here to help find the right cyber insurance for you. We want to ensure you’re finding the peace of mind you need to live, work, and play online
Answering your most common questions.
How does cyber insurance work?
Cyber insurance can be purchased as an add-on coverage to property insurance or as a separate standalone policy. If you have a claim, the insurer works with you to help mitigate the damage so you can recover and protect yourself financially.
This may include:
- Access to specialists who can help you protect or recover your identity, data, and money
- Repairing or replacing lost data, documents and electronic equipment
- Paying extortion or ransom fees
- Financial loss coverage for fraudulent charges, stolen funds, and lost salary
- Legal expenses
Exactly what’s covered will depend on your individual policy. Our brokers can help explain your coverage and the difference between cyber insurance products offered by different insurers.
Why do I need personal cyber insurance?
If you ever use the internet, social media, email, or connect to public wifi, you could be at risk for a cybersecurity incident. Cyber Insurance will not eliminate the risk but it will give you peace of mind that there is a group of experts that can assist you with your problem and help you recover from financial losses that are covered under your policy.
What devices does cyber insurance cover?
Cyber insurance provides coverage for breaches that may occur on your computing and/or smart devices that connect to the internet, including but not limited to:
- Computers
- Tablets
- Wifi routers
- Smart phones
- Thermostats
- Appliances
- Home security systems
- Entertainment systems
Does homeowner insurance provide cyber insurance coverage?
The cyber coverage offered in standard homeowner policies varies by insurers and typically doesn’t provide adequate protection against today’s fast moving cybercriminals.
To truly be protected from diverse and sophisticated cybercrime, your best bet is to either add additional cyber coverage to your property insurance or choose a standalone cyber insurance policy.
An Acera Insurance advisor can help you determine what the best option is for you and your family.
How can I reduce my risk of a cyberattack?
There are some steps you can take to stay cyber safe and reduce your risk of a cyberattack, including:
- Update your software and devices regularly
- Use strong passwords that are unique to each platform
- Check the send address of any emails or messages before replying or opening any links or attachments
- Be wary of unsolicited emails, unknown senders, links and files
- Use multifactor authentication
- Refrain from using public Wi-Fi networks
- Avoid sharing personal information on social media or while using artificial intelligence chatbots
- Ensure you have protections in place for children using devices, such as utilizing parental controls to block inappropriate content
- Educate children about the potential dangers they could encounter online
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