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Cyber Insurance 101: What Manitoban Business Owners and Family Households Need To Know

A man and woman with two daughters in a kitchen. One of daughters and father are using laptop while mother and other daughter are colouring on the paper.
A middle-aged male is working on a laptop in his kitchen with his wife and two young daughters at the table.
July 25, 2025

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A single hacked email. A malware-laced invoice. That’s all it takes to cost a small or medium-sized business thousands of dollars or bring your operations to a standstill.

As more entrepreneurs and businesses shift to using digital tools, online storefronts, and cloud-based systems to up efficiencies and growth, cyber insurance is becoming less of a luxury and more of an essential.

And it’s not just business owners at risk. Individuals and families are increasingly targeted by phishing scams, data thefts, and ransomware attacks. So, whether you’re running a start-up or managing your household, being protected in the digital world is no longer optional.

So, what is cyber insurance?

Think of cyber insurance as a digital safety net.

Whether you need to protect your payroll records, customer data, or simply keep family photos safe from ransomware, the right policies cover the financial fallout of cyber incidents.

Traditional business policies often leave gaps when it comes to digital risk because technology is evolving too quickly. Individual cyber insurance policies are built purposefully to step in where those gaps appear to provide fast access to breach coaches, incident-response IT teams, legal counsel, and support so you can recover quickly and keep your business (and life) moving.

It’s important to know that not every attack can be stopped, but there are tools and experienced experts that can help you recover a lot faster should you ever fall victim to a cybercrime.

What's covered by cyber insurance?

A strong cyber insurance policy for businesses and family households could include:

  • Online fraud
  • Computer attacks
  • Identity recovery
  • Cyber extortion
  • Cyberbullying response
  • Threat and breach protection
  • Virtual CISO support
  • 24/7 cyber emergency assistance, and more

At Winnipeg Insurance Brokers Ltd., we’re proud to offer cyber insurance solutions that are designed with today’s realities in mind, for business and personal needs through our partnership with BOXX InsuranceTM.

  • For businesses: Whether you’re protecting client records and payroll systems, shielding sensitive IP, or worry that an unintentional employee error may trigger a cyber threat, having the right coverage can give you confidence to run your business as usual. Traditional business insurance policies often have gaps when it comes to covering cyber risks, but that’s where we come in. Explore our cyber insurance options for businesses here.

  • For individuals and families: Our CyberBoxx® Home coverage helps to protect everyone in your household against online fraud, malware, identity theft, and even helps with cyberbullying. With this option, expert response teams are ready when you need them, giving you the peace of mind to live your life fully in a digital world. Explore our cyber insurance options for individuals and families here

How do you find the right cyber insurance protection?

The best place to start when thinking about cyber insurance is with a clear understanding of your digital exposure, both at work and at home, to cover all your bases. Whether you’re a solo contractor, a small business owner, or a parent managing smart devices and family accounts, the chances are your actual digital footprint is bigger than you realize. So, it’s worth taking a closer look at your existing business or personal insurance to identify any cyber-related gaps in your coverage.

Once you’ve assessed your risk and know what matters most to protect, then it’s time to connect with someone who can help put it all together.

Get in contact with a local insurance expert — like us! — who understands Manitoba-specific threats and can walk you through personalized coverage options.

That said, if you want to talk to someone off the hop, we’re happy to help you get started.

Ready to protect what matters most?

If you’re ready to safeguard your business, gives us a shout and we’ll get a personalized quote going — asking the questions we need to give you the answers you need.

Get a business cyber insurance quote.

If it’s yourself or your family that you’re looking to protect, buying personal cyber insurance is just as simple, if not more so. You can do it online in minutes!

Buy personal cyber insurance online. 

Still have questions? We’re always here to help.