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If you’ve invested in cyber insurance, you’re on the right track. It’s a must-have for serious risk management. But like any policy, it comes with limits: exclusions, deductibles, and timelines that often don’t line up with how fast you need help when an incident happens.
Cyber insurance is crucial, but was never meant to do it all. That’s why we’re excited to introduce OnGuard, powered by Cork—a new way to fill the gap between the moment a threat hits and when insurance kicks in.
OnGuard gives businesses instant access to emergency funds, coverage for common attacks that traditional insurance doesn’t always include, and a way to reduce future premium hikes by avoiding unnecessary claims.
What Is OnGuard?
Think of OnGuard as the financial and compliance safety net that complements your cyber insurance policy.
- Monitors your environment for misconfigurations that could void insurance (like MFA being turned off or backups failing quietly).
- Includes a cyber warranty with up to $500,000 in rapid-response payouts—with access to funds in as little as a few hours.
- Covers common attacks that may be excluded from traditional policies, including:
- Wire transfer fraud
- SMS phishing attacks
- Gift card scams
- Business email compromise
- Ransomware response and payments
- Data restoration and recovery
- Incident response labor (even from your own MSP)
- Business interruption costs
And because OnGuard pays out directly, typically without needing a lengthy investigation first, you can often resolve smaller incidents without needing to trigger your insurance policy at all.
Real Results From Canadian Businesses
These aren’t hypotheticals, they’re real cases we’ve seen right here in Ontario.
Construction Company
- Fell victim to a $21,000 wire fraud scam.
- Despite having strong cyber defenses, the bank couldn’t reverse the transaction.
- Insurance didn’t cover the loss.
- OnGuard issued $10,000 in same-day relief, and the full $21,000 was reimbursed within two weeks.
Law Firm
- Hit by a phishing attack that exposed thousands of records.
- Their MSP worked around the clock to clean it up.
- OnGuard reimbursed the full incident response bill, which was over $10,000.
A Smoother Experience—Without the Headaches
OnGuard includes ongoing monitoring of your cybersecurity posture—so instead of filling out endless security questionnaires manually, the data is already there. It validates that:
- Backups are running properly
- MFA is turned on and working
- EDR/AV tools are installed and reporting
- Systems are patched and up-to-date
This means faster approvals, fewer surprises, and peace of mind that you’re covered—no guesswork required.
Even better? Because OnGuard handles the smaller, more frequent events, you’re less likely to make a claim on your cyber insurance, helping reduce the risk of:
- Premium increases after a claim
- Coverage restrictions or non-renewal
- Long approval timelines in a crisis
How It Works: Fast Support When You Need It Most
When an incident occurs, OnGuard helps get you moving again … fast:
- Minor scams (gift card fraud, phishing, etc.): Funds available within 48 hours (usually same day)
- Larger issues (wire fraud, ransomware): $10K available immediately, balance released within 30 days
- Major incidents (multi-million dollar recovery): OnGuard steps in first, with cyber insurance following
Cork is proud to say: every valid claim has been paid out, and no premiums have increased for clients after using the warranty.
What Does It Cost?
OnGuard is available through Onit as part of our Simply The Best™ service platform—so there are no add-ons, markups, or surprises.
And yes, we’ve built it to work in Canada, with real success stories already in place from Ontario firms in construction, legal, and healthcare. (Quebec is the only exception right now due to language compliance rules.)
Why This Matters to You
If you’re the one responsible for keeping your business running, OnGuard gives you:
- Fast access to funds when timelines matter most
- Coverage for the kinds of attacks that don’t usually make the insurance policy
- A better shot at keeping your premiums down by handling the small stuff internally
- Confidence that you’re not left guessing what’s covered—or when help will arrive
Final Thought
Cyber insurance is still a critical part of your risk strategy—but it’s not designed for every scenario.
OnGuard is there to fill the gaps.
If you’re ready to make your business more resilient, protect your cash flow during a crisis, and reduce the stress of dealing with complex claims—let’s talk.
Visit onit.ca or book time with me directly. I’ll walk you through whether your setup qualifies and how it fits into your protection stack.
We built OnGuard to give growing Canadian businesses the breathing room they need when it matters most.