Guides
What Canadian cyber insurers ask before covering a small business
Canadian cyber insurance requirements start with MFA, backups and privacy duties. IBC guidance shapes quotes, premiums and claims for small firms.
Topic
premiums
Guides
How to read a US commercial insurance policy, declarations to exclusions
This commercial guide explains how to read a US policy from declarations to exclusions, ISO forms, endorsements and the IRS treatment of premiums.
Costs
Commercial auto coverage costs in high-litigation states like California and Florida
Commercial auto coverage costs run higher in high-litigation states like California and Florida, where jury awards and state rules drive premiums.
Industry
Cyber insurance for US companies with Canadian staff: rating factors, quote ranges and privacy duties
Explains how Canadian staff, records and privacy laws affect cyber insurance quotes for a US business, with rating factors, typical premium ranges and sublimits.