Notes on Ontario tech risk.
Regulatory shifts, claims trends, and the coverage that actually holds up when it matters. Written by the Truly Insurance brokerage team - no sales pressure.
Why standard business insurance falls short for Ontario SaaS
A CGL and property package is built for a shop, not a platform. When a client blames your software for a loss, the policy that covers slip-and-fall will not answer. Here is the SaaS stack that does.
Tech startup insurance in Ontario: what you need, when, and what it costs
The complete Ontario map of tech startup insurance - the policies that matter, the triggers that force them, RIBO and PHIPA, and rough cost by stage.
Every tech startup insurance policy, ranked by when you need it
D&O at the term sheet, Tech E&O at first customer, Cyber the day you touch data - and the policies that come after. A trigger-by-trigger buying order.
What tech startup insurance costs in Ontario (2026)
Premium ranges by policy and by stage, what moves the number up or down, and why the cheapest quote is rarely the cheapest claim.
Beyond Cyber, E&O and D&O: the policies Ontario tech founders forget
CGL, property and BOP, IP, business interruption, key person, commercial auto and workers' comp - the coverages that quietly matter once you scale.
AIDA is coming: what Ontario AI shops should draft now
Canada's Artificial Intelligence and Data Act will make automated-decision liability real. Here's the three policies and one endorsement to put in place before it lands.
Ransomware is changing in 2026 - and Ontario underwriters know it
Encryption is the old playbook. Extortion - the threat of leaking data, not locking it - is the new one. Here's what that means for your cyber limit.
When your AI hallucinates, who pays?
The Air Canada chatbot case is now precedent Ontario tribunals cite. If you ship an LLM feature, your Tech E&O needs an AI endorsement - not a hope.
Side-A: the limit that protects directors when the company can't
When everything goes wrong at once, the company often can't indemnify its directors. Side-A is the limit that pays them directly. Most towers under-buy it.
PHIPA breach windows: what actually counts as 'prompt'
Ontario's IPC has tightened what 'prompt notification' means under PHIPA. The window is shorter than most healthtech founders think - and the fines are personal.
Fintech D&O: why investor suits land on directors personally
Regulated funds, down rounds, and mismanaged capital create the highest D&O severity in tech. Here's how a fintech tower is built differently.
SLA gaps your Tech E&O won't close
The uptime promise in your MSA is a contract. Your Tech E&O is insurance. They are not the same thing, and founders confuse them at their peril.
MOVEit, one year on: what the tower actually paid
A zero-day in a file-transfer product became a $12B aggregate loss. We worked downstream of it. Here's what each layer of the tower actually responded to.