Most mid-market companies carry cyber insurance. Very few have tested whether it would actually cover a 30-day operational shutdown.
I help CFOs and risk leaders stress-test their cyber coverage against real loss scenarios. The gap between what businesses think they are covered for and what the policy will actually pay is where the real risk lives.
For Canadian mid-market businesses that want more than a standard quote exercise.
Strategic cyber risk advisory. Not just insurance placement.
The Real Problem
The biggest cyber loss may not be the breach itself.
Most businesses think of cyber insurance as breach protection: forensics, notification, legal defense. Those costs matter. But business interruption losses can outpace them by 3-5x. Lost revenue, stalled operations, contractual penalties, and customer churn accumulate faster than most policies anticipate.
The question is not whether you have cyber insurance. It is whether the program fits the business you run today and whether the limits will hold up when you need them most.
Downtime losses exceed breach response costs by 3-5x in most mid-market claims. Lost revenue accumulates daily while recovery drags on, often longer than expected.
Many cyber policies are purchased without modeling actual downtime exposure against limits, waiting periods, and sublimits. The gaps only become visible at claim time.
Revenue increases and technology dependencies multiply, but cyber limits often stay flat. What was adequate three years ago may leave significant exposure today.
Your 60-Second Exposure Check
Find Out If Your Cyber Limits Would Survive a Real Disruption
Enter your business details below. The results may challenge what you thought your policy could handle.
No email required. Results appear instantly.
Enter your current limit to see how BI compares (defaults to $1M if blank)
$--
Complete all parameters to calculate your estimated financial exposure.
What a Real Ransomware Claim Looks Like
$25M Manufacturer. $2M Cyber Policy. One Ransomware Event.
A Western Canadian manufacturer with $25M in annual revenue was hit with ransomware. Within 24 hours, $221,000 was committed to incident response, breach counsel, and forensic investigation. Operations came to a full stop.
The ransom negotiation:
The threat actors demanded $1,000,000 USD and offered a tiered menu of services: the full package at $900,000 USD included a decryption key, a promise to delete stolen data and not publish it, a security report detailing the exploit used, and a promise not to re-attack. They also offered breakout pricing: $700,000 USD for the decryptor only, or $650,000 USD for data deletion and a promise not to re-attack.
The company chose the decryptor only at $700,000 USD (~$966,000 CAD). The stolen data will be published and sold regardless. That single decision consumed 48% of the entire $2M policy.
Policy Limit Consumption: $2,000,000
87% of the $2M limit was consumed by ransom and response costs. The remaining $252,000 covers roughly 2.5 weeks of business interruption at $100,000+ per week, on a company that was entering its third week of disruption with no confirmed recovery date.
The total projected claim exceeded $2,000,000. At the 35% benchmark, this company needed a minimum $2.64M policy. Most mid-market businesses carry $1M to $2M. Most have never seen these numbers until a claim forces the math.
The calculator above estimates your BI exposure. This case shows what happens when BI has to compete with every other cost in a real event. Our full advisory process includes enterprise-grade risk quantification that models your complete exposure, so you see the full picture before a claim reveals it for you.
What We Cover
What a Confidential Risk Conversation Looks Like
A strategic review of your cyber insurance program against actual business exposure. Not a generic quote exercise.
Understand how quickly downtime losses accumulate based on your actual revenue, margins, and operational dependencies. See the real financial exposure, not a theoretical estimate.
Find out whether your current policy limits, sublimits, waiting periods, and exclusions are aligned to your actual exposure. Identify the gaps before a claim reveals them.
See how third-party dependencies (cloud providers, payment processors, key vendors) could trigger business interruption and whether your policy responds to those scenarios.
Walk away with clear findings designed for CFOs, risk managers, and board reporting. No technical jargon. Informed insurance decisions made with confidence.
Best fit for Canadian commercial businesses, $5M-$100M revenue, with material technology dependencies or upcoming cyber insurance renewals.
The Process
How It Works
Book a 30-Minute Conversation
We discuss your business, your current cyber coverage, and what's keeping you up at night. No preparation needed on your end.
Receive a Tailored Exposure Assessment
I analyze your coverage structure against your actual business exposure, including BI risk, policy limits, sublimits, and gap areas.
Make Informed Decisions
You receive clear, actionable findings designed for executive decision-making. Not a 50-page report. Not a sales pitch. Just the information you need to act with confidence.
Why Work With Cameron
Professional headshot
Cameron Baker
CIP, CC
I help leadership teams understand what their cyber insurance will, and will not, actually cover before a claim forces the conversation.
I specialize in the intersection of cybersecurity risk and insurance structure. I hold both the CIP (Chartered Insurance Professional) designation and the CC (Certified in Cybersecurity) credential from ISC2, the same organization behind the CISSP. That combination lets me speak the language of your IT team and your boardroom, and translate between the two so your leadership team understands what they are buying and where the gaps are.
I work with leadership teams to benchmark their exposures, stress-test their limits against realistic loss scenarios, and identify the gaps between what they think they are covered for and what their policy will actually respond to.
Before You Book
Common Questions
No. This is not technical cybersecurity implementation, managed security services, or employee training. I focus specifically on whether your insurance structure aligns with your actual financial exposure, particularly business interruption risk. I work alongside your IT and security teams. I do not replace them.
No. This is a strategic review of your cyber insurance program, not a transactional quote comparison. The goal is to help you understand whether your current coverage actually fits your business. Not to push you into a new policy. If changes make sense after the conversation, I can help. But that is your decision.
Most businesses work with a generalist broker who handles cyber as one of many lines. This is a specialist second opinion on whether your program is structured correctly for your specific exposure. Think of it as a strategic review, not a competitive pitch. You keep your existing relationships.
Most businesses have cyber insurance. The question is whether the program was structured based on actual exposure analysis or simply purchased as a checkbox. Business interruption losses often exceed breach costs by 3-5x, yet many programs have inadequate limits, restrictive waiting periods, or coverage gaps that only become visible at claim time.
The financial impact of downtime scales with your revenue, not with how interesting you are to attackers. Cyber incidents do not discriminate by size. Mid-market businesses are often more attractive targets because they hold valuable data but have fewer security resources than enterprise organizations. The question is not whether you will be targeted. It is whether your insurance program is structured to respond when it happens.
No. This conversation is valuable whether you have an existing policy to evaluate or you are considering cyber insurance for the first time. For existing policies, I assess alignment with actual exposure. For new programs, I help you understand what coverage structure would actually fit your business before you buy.
Nothing. In this 30-minute strategic discussion, we review your business, your current coverage, and where potential gaps are. You'll walk away with a clearer picture of your exposure, whether or not we work together.
The initial conversation is 30 minutes. If a full risk review makes sense, the timeline depends on the complexity of your program, but most reviews are completed within 2-3 weeks. You will receive clear, actionable findings. Not a 50-page report that collects dust.
Know whether your cyber insurance fits the business you run today. Before a claim proves it does not.
Book a confidential risk conversation to discuss business interruption exposure, current limits, and where your coverage may leave gaps.
Call directly for an immediate conversation.
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Responses within one business day.