Canadians live online—banking, shopping, working, and sharing personal information every day. But with this convenience comes growing risk. Personal cyber coverage helps protect individuals and families from the financial and emotional impact of cybercrime.

What Are the Biggest Cyber Risks?

Personal cyber threats include:

• Identity theft and fraud
• Phishing scams and email hacking
• Ransomware and malware attacks
• Online extortion or social engineering scams
• Data breaches exposing personal information

Even tech-savvy users can fall victim.

What Personal Cyber Insurance Covers

A personal cyber policy or home insurance add-on may include:

• Identity Restoration Services – Expert help to recover your identity
• Fraud Expense Reimbursement – Legal fees, lost wages, and credit repair
• Cyber Extortion Coverage – Support during ransomware incidents
• Data Recovery – Restoring files and photos
• Online Harassment Support – Legal and counselling assistance

Who Should Consider It?

Personal cyber coverage is ideal for:

• Online shoppers and digital bankers
• Families with children or seniors
• Remote workers and freelancers
• Anyone storing personal data online

Final Thought

Cybercrime isn’t just a business problem—it’s personal. With personal cyber coverage, Canadians can protect their identity, finances, and peace of mind in an increasingly digital world. 🇨🇦

Brokers can contact Total Risk Managers to discuss a risk.

This article is general information for insurance brokers. It is not advice, and it is not a quote or an offer of coverage. Policy wording decides what is covered. Coverage is arranged through a licensed insurance broker.