Your business insurance and your life insurance are usually two separate conversations, with two people who never talk to each other. I hold the licences for both. So I can look at the whole picture at once, and close the gaps that live in between.
Two halves of your protection usually sit in separate silos, with separate advisors, because the rules keep them apart. I am licensed on both sides, so I can coordinate them as one picture.
“The most expensive gap is the one between the coverage you think you have and the coverage you actually need.”J.R. Genua, CCIS
The expensive risks almost always hide in the gaps between the two. A buy-sell with no funding behind it. A cyber policy that stops where your tech errors begin. Coverage set for a smaller version of the company years ago. One advisor who sees both sides finds those before they find you.
In Canada, general insurance and life insurance are two separate licences, with two separate regulators. Most advisors hold one. I hold both.
Most people come in through one specific worry. That is the door. Behind it is the rest of the portfolio.
Canada’s dedicated cyber specialist brand. Industry-by-industry coverage in plain English, from ransomware and business interruption to the gaps most policies quietly leave open.
CyberInsuranceBroker.ca →Protect the family and the business. Life and living-benefits coverage, group benefits and group RRSPs, and cash-flow planning that makes the money you already earn work harder.
CentreSquareSolutions.com →Property, liability, fleet, bonds, and the cross-border and multinational exposure most policies miss, for businesses expanding beyond Canada. Placed and serviced through St. Andrews Insurance Brokers. The fastest way in is a short call.
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On stage · cyber & fraudI am J.R. Genua, CCIS. I have advised Canadian businesses on risk since 1998, and I hold licences across both general insurance and life insurance. That pairing is rare, and it is the whole point of this.
Instead of a cyber broker here and a life advisor there, you get one person who sees your entire portfolio as a single picture. Cyber is usually where we start. The whole program is where it goes. I work with owners, in person around the GTA and by phone or video conference anywhere in Canada.
One advisor does not mean one person doing everything. You get me as your single point of contact, backed by a full bench: the brokers and specialists at St. Andrews Insurance Brokers on the commercial side, the insurers behind each line, and the accountants and lawyers we coordinate with on structure. One relationship. A whole team behind it.
How I work →Most owners carry insurance they have never had properly reviewed, spread across policies and brokers who never see the whole thing. The Coverage Blueprint™ maps your real exposure, names your gaps in plain language, and leaves you with a written recommendation you can act on. It is a review, not a quote.
A structured advisory that maps your digital footprint, reviews what you carry now, and names the sublimits and exclusions that quietly gut a policy. Cyber is the gap most owners miss, and the door to the rest.
Your entire commercial program under one advisor: property, liability, auto and fleet, bonds, cross-border and more. One review, one broker who sees the whole risk, so nothing falls between the cracks.
Because I am licensed on the life side too, the Blueprint does not stop at your business policies. Key-person, buy-sell funding, benefits and continuity, reviewed as part of the same picture. The part no single-licence broker can give you.
Cyber is the door. Your whole portfolio is the picture.
The moment your business, your people, or your product crosses into the US, or any border, the risk changes shape. Same coverage on paper, very different reality once you operate outside Canada. Mapping it before you bid, ship, expand, or get hit is the whole game.
Every game on this board is real. The pieces follow the rules, move for move, through nine of the most celebrated games ever played, from Morphy at the Paris opera to Carlsen defending the world title. Pick one and watch it unfold. Control the centre, see the whole board, and plan for the move your opponent has not made yet.
That is how I approach a portfolio. The gap that hurts is rarely the one in front of you. It is the one three moves out, where a business policy and a life policy were supposed to meet and never did.
Interactive case-study panelist at MDD Forensic Accountants’ summit on business interruption and cyber risk, alongside leaders from across the claims, legal and underwriting world.
A recurring seminar for the York Small Business Enterprise Centre (YSBEC), helping York Region small business owners and entrepreneurs understand the risks they carry and how to cover them.
A plain-English briefing on cyber, commercial, and cross-border risk for Canadian business. One sharp idea per issue, the kind of gap that only shows up at the worst possible moment.
Short, blunt, and useful. The same way I talk about this on a call.
The Principal Broker and multi-province licensing side of this work is exacting and compliance-heavy, and unforgiving of shortcuts. That is exactly why it belongs here. It is the clearest proof of how your own file gets handled: precise, thorough, and by the rules.
A structured review of your whole picture, not a quote. We map your real exposure, name the gaps in plain language, and you leave with a written recommendation you can act on.
Book your Coverage Blueprint →