Personal Cyber Insurance

More and more of our daily activities take place online, making us more vulnerable to cyber-attacks. Not surprisingly, cyber-based crimes and identity theft are also on the rise.

Personal cyber insurance in Canada is a type of coverage designed to protect individuals from the financial impact of cybercrime.

CMR is proud to partner with Boxx Insurance to offer their comprehensive Cyberbox Home Edition Insurance product which offers financial protection to you and your family against the effects of hacking, malware and cyber crime.

If you own a computer or any internet connected device or make any purchases or bank online you can benefit from this coverage.

Coverage Includes:

Breach Response with the Hackbusters: Breach response experts will contain the cyber incident and re-secure your network if necessary. No claim necessary.

Online Fraud: Pays for losses from phishing schemes, illegal bank transfers, cryptocurrency theft, etc.

Cyber Attack: Pays for expenses to remove malware and restore software on computers, tablets, Wi-Fi routers, etc.

Home Title Recovery Expenses: Pays expenses resulting from an identity theft, including lawyer and court filing fees for the recovery of the title.

IoT Devices: Cost to repair, replace or restore IoT devices as a result of a cyber attack.

Systems Recovery: Cost to repair, replace or restore personal systems as a result of a cyber attack.

Cyber Bullying: Covers losses resulting from cyberbullying, including professional cybersecurity consultation and cyber trauma costs resulting from cyberbullying.

Cyber Deception: Loss of money wrongly transmitted or paid to a third party from an online scam, also known as social engineering.

Identity Theft: Direct financial loss to an insured caused by identity theft.

Cyber Extortion: Professional assistance to respond to a ransomware attack and payment of ransom when approved up to the sublimit.

Forensic Review: Forensic costs associated with data breach involving personally identifiable information.

Legal Review: Legal review costs due to a data breach involving personally identifiable information.

Services to Data Breach Victims: Cost of services to affected individuals including I.D. restoration management and additional services.

Equifax Credit & Identity Monitoring included with all Cyberboxx Home policies including:

Webscan searches of the dark web for your personal data. Whenever they find the information you provide — such as credit card numbers, email addresses, bank account numbers, passport number, or Social Insurance Number — you will be notified.
Credit alerts to help you detect fraud faster. Receive email alerts about new credit inquiries and credit accounts on your Equifax credit report to help spot signs of fraud. You can also be alerted to changes to your Equifax credit score.
Access to your Equifax Credit Report and Credit Score updated daily.

Did you know?

Identity Recovery

Driving the news: Your social security number and other personal information were leaked in a data breach a few years ago. A cybercriminal has bought your data on the DarkWeb and started to establish online bank accounts and takes out loans under your name.

Now what?: You realize these fraudulent activities and reach out to the banks to close the accounts.

State of play: Cyberboxx Home provides identity restoration management services and covers the expenses to recover control over your personal identity.

Computer Theft

What happened: You click on a harmless looking link in an email and accidentally download a malicious program that records every keystroke on your computer, including your passwords, and relays it to a cybercriminal.

Now what?: Equipped with your password, the cybercriminal logs into your accounts and steals sensitive information, such as your credit card number, and then makes unauthorized purchases.

Why it matters: A Cyberboxx Home cyber insurance policy covers the costs to remove the malware and restore the software on your computer. It also covers losses resulting from illicit credit card transactions.

Ransomware Attack

Error!: You get a Microsoft pop up on your screen: Your computer is infected! Click on this website and scan your computer immediately. You click on the link and follow the instructions… That’s when the cybercriminal takes control of your computer. To get back control, he asks you to pay $500 via money transfer.

Why it matters: You have many personal files, financial records, tax information and family photos on your computer, with no backup.

What’s next: A Cyberboxx Home Complete cyber insurance policy provides professional assistance on how to respond to a ransomware attack. Cyberboxx covers extortion response costs including the ransom payment.

Cyber Bullying

Online bullying: Your high schooler complains that her classmates posted lies and unflattering pictures of her on social media. The classmates also sent disturbing text messages. This has been going on for months.

Reality check: You made several attempts to delete the photos and tweets, but more posts keep appearing. Your high schooler drops out, asks to change school and needs psychological counseling.

Take action: Cyberboxx Home Complete reimburses the costs of recovering from cyberbullying, including mental counseling, temporary relocation expenses, temporary private tutoring or legal expenses.

Computer Attack

What happened: You open an email from “UPS” about a package awaiting delivery. The email prompts you to click on an attachment. When you click, malware is unleashed, corrupting all the files and software on your computer.

Now what?: Your computer becomes unusable. The recovery process involves reformatting your hard disk (erasing everything), reinstalling the operating system and software, and restoring data from a backup. Additionally, you learn from a BOXX privacy lawyer that affected individuals must be notified about their compromised personal information.

What’s Next: Cyberboxx Home provides coverage for the entire recovery process ensuring you’re back on track with minimal disruption.

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