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Cyber Insurance

With cyber liability insurance, Calgary business owners can rest easy knowing that they have the proper coverage to take on the full range of risks to their data and IT systems. Cyber liability insurance coverage options include malware insurance, ransomware insurance, virus insurance, privacy liability, privacy breach response coverage, electronic funds transfer fraud protection and social engineering.
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Who Should Buy Cyber Insurance

Also called cybersecurity, privacy and media liability insurance, cyber liability insurance helps protect your company in the event of a cyberattack or data breach. For instance, should your network or computer systems get hacked into or corrupted by a virus, it’s essential to have cyber liability insurance. Calgary business owners can get the peace of mind that comes with knowing they are protected against the costs of a cyber attack when they call the professionals at Krywolt Insurance to add cyber liability coverage to their business insurance package.

Who Needs Cyber Liability Insurance?

While your company may have a bit of cyber liability coverage in your general liability or professional liability policy—depending on your provider—businesses that store personally identifiable information (PII) for customers and/or employees should have enhanced or stand-alone cyber liability insurance in Calgary.

What is PII?

Personally identifiable information is any type of information that can be used to identify a specific person, including the following:

  • Name
  • Date of birth
  • Email address
  • Social security number
  • Credit card number
  • Bank account number

Cyber Insurance Coverage Options

Depending on the insurer you’re purchasing cyber risk coverage from, the protection you receive can vary greatly. Cyber policies are relatively new compared to other types of insurance, so there is no standard form of coverage for cyber liability insurance. Calgary brokers at Krywolt Insurance can break down the different coverage options available to you and help you choose an insurance company that fits your business’s unique needs. Some coverages available to you include the following.

Malware Insurance/Ransomware Insurance

A ransomware attack is when a cybercriminal uses malware to steal confidential information from your server. The information is then held at “ransom.” The perpetrators will demand payment in return for the information. Since there is no standardized cyber liability insurance in Calgary when it comes to these kinds of attacks, it’s important to look for coverage that protects against a wide range of threats, such as:

  • Accessing, selling, disclosing or misusing data and digital assets stored on your network
  • Altering, damaging or destroying software and programs
  • Introducing malicious software such as viruses and self-propagating code
  • Impersonating your company to gather private information about your clients
  • Impairing or restricting access that may impede your business operations
  • Using your network to spread malware
  • Interfering with or defacing your company’s website

Information Security and Privacy Liability

Typically, this section of your cyber liability policy will cover damages and legal costs resulting from a data breach. Usually, these losses are the result of:

  • Loss, theft or unauthorized disclosure of PII in your company’s care, custody or control
  • Damage to data stored in your computer systems that belongs to a third party, like a client
  • Transmission of malicious code to a third-party’s computer
  • Denial of service to a third-party computer
  • Failure to meet timely disclosure of a data breach
  • Failure to administer an identity theft program that is required by governmental regulation to prevent identity theft
  • Failure to take necessary action to prevent identity theft
  • Failure to comply with your own privacy policy prohibiting disclosure or sharing of PII

Privacy Breach Response Coverage

While coverage will depend on your insurer, usually, a privacy breach response policy provides coverage for privacy breach response costs, notification expenses and breach support credit monitoring expenses. This includes reasonable costs and expenses incurred due to a security breach or adverse media report. Some of the covered costs include:

  • Legal expenses
  • Public relations and advertising expenses
  • Information technology expenses
  • Postage
  • Credit monitoring and identity theft assistance

Electronic Funds Transfer Fraud Protection

This type of Calgary cyber liability insurance protects you in the event a cybercriminal sends fraudulent instructions to your financial institution acting as you and asks the institution to transfer funds out of your accounts and into the cybercriminal’s accounts. Usually, criminals will gain access to your banking information by tricking employees into logging into fake banking websites or by installing malware on your computer system.

System Business Interruption Insurance

As a business owner, you likely already have business interruption insurance as part of your business insurance policy. However, if you rely heavily on your computer systems and company server, you should also consider system business interruption coverage. This protects your business from financial losses incurred after a privacy or security breach. It aims to reimburse your business for the difference between your typical income when operations are running normally compared to reduced income due to a shutdown because of a cyber event.

System Damage and Restoration Costs

Once the cyber threat has been dealt with, you need to rebuild—not only your client’s trust, which would be addressed with the help of a PR team but your actual lost data or computer systems. This coverage helps cover the cost of:

  • Restoring data after a security breach
  • Restoring, replacing, rebuilding, replicating or reinstating computer equipment damaged in an attack

Social Engineering Fraud Coverage

Social engineering is when a third party manipulates another person or entity to act in a certain way. In the realm of cyber fraud, this usually takes the form of tricking a company or employee into giving out confidential information that is then used to steal from said company. This could include stealing confidential information or transferring funds. Social engineering fraud coverage helps protect your company in the event this happens.

Frequently Asked Questions

Do you have questions that you’d like to ask a qualified cyber liability insurance broker? Calgary business owners can get their questions answered completely and reliably by calling the professional brokers at Krywolt Insurance. Our experienced commercial insurance brokers know all the ins and outs of cyber liability insurance and can make sure you get the coverage you need, tailored specifically to your unique business.

How Can a Data Break Happen?

There are numerous ways for a cyber breach to potentially happen. It happens when a cybercriminal successfully infiltrates a data source and steals private information. This can occur by:

  • Stealing files through physically accessing a computer or network
  • Bypassing your network’s security remotely
  • Sending phishing emails to customers pretending to be your company
  • Using a virus or ransomware to corrupt your data files

That being said, one of the biggest threats to any company is social engineering. This involves a cyber criminal tricking an employee into handing over access, money or information. Because criminals spend a lot of time thinking up and testing new methods of social engineering, it’s a lot easier to get taken in and accidentally give up important information than you may think. They can be very convincing, and some employees never catch on to the fact that they’ve been tricked.

How Can I Protect My Company From a Data Breach?

The best way to protect your company against cyberattacks is with strong internal safeguards. This means limiting access to PII to a few employees, but it’s also important that all employees have some level of training on what social engineering attacks are like and how to recognize and avoid them. Even employees that don’t have access to sensitive information, such as customers’ banking information, can still provide information like internal contacts in your company that can make it easier to carry out further social engineering attacks.

Naturally, it’s also very important to ensure that you have strong passwords on all electronic devices and install anti-malware protection. Passwords should be changed regularly, and anti-malware software needs to be diligently kept up-to-date. Two ways to help ensure that you have robust protections in place is to contract a third-party IT vendor or consider hiring an in-house information security officer.

Are Cyber Attacks Common Enough to Warrant Cyber Liability Insurance in Calgary?

Business owners sometimes assume there’s no real need for cyber liability insurance because the risk of actually experiencing a cyber attack is low. That’s certainly not the case. In fact, the vast majority of businesses—of all sizes and descriptions—experience multiple cyber attack attempts over the course of a single year. It’s actually much more likely that your company will be targeted by a cyber criminal than not, to the point where it’s basically an eventuality. Going without the protection of cyber liability insurance in Calgary because you think you’re unlikely to be attacked is a huge mistake that has cost business owners big time in the past.

Do I Really Need Cyber Liability Insurance as a Small Business?

There’s a common misconception out there that cyber criminals don’t bother with small businesses because they prefer to focus on larger targets that are potentially more lucrative. Unfortunately, nothing could be further from the truth. While there are some elite hackers out there who choose to spend what often amounts to months or years on cracking major corporations that could provide huge payouts, most cyber criminals are small-time crooks who prefer to target small companies.

The fact is, the larger the company and the more they have to lose, the more they’re likely to invest in ironclad cybersecurity measures that a typical hacker has no hope of breaching. Small businesses, on the other hand, may have less to lose, but they also often have weak cybersecurity measures in place (or none at all). So even an inexperienced criminal can waltz right past. Attacking multiple small businesses with weak security is ultimately a lot more lucrative than spending a lot of time on one large business.

Does Cyber Insurance Cover Major Cybersecurity Events?

Yes, and no. It’s best to talk to your insurance broker to understand what will and will not be covered by cyber liability insurance policies. For instance, if a cybercriminal steals PII from your company and holds it for ransom, this may feel like a major cybersecurity event for your company and would likely be covered by your insurance provider.

However, if a state-sponsored attack or catastrophic event—like another government hacks into your company’s confidential files—it may not be covered by insurance if the event is so severe it’s deemed crippling to the insurer. That said, these events are extremely rare, and many additional factors would be at play.

What Types of Data Breaches and Cyberattacks Are Covered by Cyber Liability Insurance in Calgary?

Examples of cyberattacks that would be covered by your Calgary cyber liability insurance policy include:

  • Malware: When malicious software is installed on a device that is then used to access data.
  • Denial of Service: When users can’t access software, their network and their computer.
  • Ransomware: When personal information or network access is withheld from a user by a cyber-attacker until they pay a fee.
  • Man-in-the-Middle: When communication between two parties (such as an employee and a client or two employees) is infiltrated by a cyber-attacker.
  • Phishing: When an employee is tricked into disclosing information by opening an attachment or clicking a link.
  • Spoofing: When impersonation is used by a cybercriminal to steal or access information.

What is the Difference Between Cyber Liability and Data Breach Insurance?

This depends on the provider. Since there is no standardized insurance policy for cyber liability, the wording surrounding your policy may vary depending on the provider. That’s why it’s integral to talk to your trusted insurance broker at Krywolt Insurance. We’ll shine a light on whether cyber liability and data breach insurance refer to the same coverage or are different policies altogether. Our goal is to ensure you have adequate protection in the event of an emergency, so we’ll be sure to be thorough as we find the right policy for your needs.

Which Factors Impact the Cost of Calgary Cyber Liability Insurance?

There are a number of factors that will affect the cost of cyber liability insurance for your Calgary business, including:

  • Industry
  • Size of business
  • Annual revenue
  • Type and amount of records and data
  • Insurance options like deductibles, policy limits and coverages

What Should I Consider Before Purchasing a Cyber Insurance Policy?

It can be difficult to gauge whether your company needs cyber liability coverage. After all, nearly all businesses these days have confidential client information stored in their databases. Often, small businesses will assume that only large companies and corporations need cyberattack insurance—but this is far from the case. It’s all too easy for cybercriminals to attack local Calgary businesses, as your employees may be more trusting. For instance, if you own a retail store and employ high school students, it’s possible they may feel intimidated by a cybercriminal phishing for information while pretending to be your bank or another employee.

Before investing in a cyber insurance policy, ask the following questions and discuss your options with a qualified broker at Krywolt Insurance:

  • Could you make a claim if you were unable to detect a cyber attack until several months or years had passed?
  • How many sensitive commercial information files does your organization retain or have access to?
  • How many personal information records does your organization retain or have access to?
  • What safeguards have you put in place to reduce the risk of having your system compromised?
  • Do all computing and portable media devices need encryption?
  • What about unencrypted media in the custody, care or control of your third-party service providers?

How Much Does Cyber Insurance Cost?

How much your cyber liability insurance policy costs depends largely on your business’ exposure to cyber risk and your coverage needs. For instance, a small, low-risk business may only need $250,000 in coverage; a large, high-risk company may need $4 million in coverage.

What is Not Covered by Cyber Insurance?

Not every type of claim is covered by cyber insurance, which is why you need to talk to a broker who is able to find you the right coverage for your needs. For instance, the following would not be covered by a cyber liability policy:

  • Property damage or bodily injury claims: Cyber liability insurance coverage won’t give you financial protection against claims of bodily injury or property damage. Rather, you need a general liability policy to cover these risks.
  • Loss of property: Losing property, such as a phone or computer, due to an accident or theft is generally covered by commercial property insurance. However, losing the software on your computer due to a malicious virus could be covered by cyber insurance.
  • Criminal activity: Usually, a cyber liability policy won’t protect against robbery, fraud or other crimes—unless directly related to cyber crime. To have the best coverage possible against these types of risks, you should have a commercial crime insurance policy as well.
  • Employee theft: If your company is impacted by cyber crime from an internal source such as an employee, even if the crime is committed through cyber channels, it is not covered by cyber liability insurance in Calgary.
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You need an insurance expert that understands Cyber Insurance to be able to define all the possible risks associated with your business so you get the best possible coverage to ensure that a single simple accident or oversight doesn’t overcome your business. You know your business, we know the risks and the ways to protect your business from potentially crippling law suits or loss.

We don’t offer instant online quotes for Cyber Insurance because there is no way we can get to know you and your business without speaking to you and coming to understand all the complexities or simple processes that need to be insured.
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• You receive responsive friendly service.
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shane hallissey
February 15, 2024
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Sheryl Ann
February 13, 2024

There are literally no words to express the Customer Service I have received over the past few years from Sarah L. Friendly, Helpful, Efficient, Professional and Patient just does not do her justice!! Yes, I said patient! The amount of times I email her with the exact same questions and requests :-) I can honestly say I have never encountered such stellar customer service in my life. Thank You Krywolt, you hire the best people!

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Paul Heynen
February 3, 2024

Thank you Morgan Anderson for being the best in the insurance business. You have no clue how much I appreciate the customer service you’ve provided me, and my business. Not to mention,the best rates out of everyone I shopped. If anyone out there wants to deal with a stellar human for business insurance, home, vehicle. This is your girl. Much love sista. 🙏🥰

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Terry Beaud
February 1, 2024

Every person I've dealt with at Krywolt have been very professional, resourceful and friendly. I am so very happy having them as my broker. Special hats-off to Sarah and Ryan. I highly recommend them. Thank you !!

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Dennis Tinkler
January 24, 2024

Very professional and responsive team. Highly recommend!

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Daniel Keuning
January 23, 2024

Sarah does good work. We appreciate her.

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Natsumi Sawada, PhD
January 19, 2024

Sarah at Krywolt is knowledgeable, professional, helpful, and kind. Really appreciated Sarah's generous assistance with sorting through an insurance matter. Great experience.

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Jackie Marie
January 10, 2024

Krywolt Insurance is a fantastic group of people doing great work. They found mistakes that the other broker made and got our insurance rate much much lower. Thank you for your care, friendliness and knowledge.

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jill hart
January 9, 2024
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Samantha Mathieson
January 4, 2024

Sarah from Krywolt was so helpful and quick to help when a previous broker had left us in the lurch. She helped me secure the insurance we needed in a matter of days and right before Christmas.

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Chad Archer
December 4, 2023

Darren and the rest of the Krywolt team are true professionals. They provide the options I need as well as the support with prompt answers that are sometimes required.

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Carly Takeda
October 19, 2023

Krywolt offers a high quality insurance service and has exceeded expectations in every way. Every interaction has been met with the upmost level of professionalism and efficiency. As a new business owner they were incredibly helpful in answering any questions we had, and were timely and diligent in having all our needs and requirements met at the time of our annual renewal. I can say with confidence they take care of business. Our account manager Sarah Lefebvre has been an absolute pleasure to work with, is incredibly on the ball with all communications, and has ensured anything we've needed was taken care of!

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Cactus singh
September 14, 2023
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Pierre Lesage
August 25, 2023

They are just incredible

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Connie Choi
August 1, 2023

Thank you Keri Myers for setting up my new auto policy so efficiently. I know summer time is a busy time of year for everyone but you made my experience seamless. It’s a pleasure coming on board with Krywolt Insurance through a reference that said this company is friendly and amazing to work with. Your timely response to emails and friendliness matters to someone like me having the courage to end my old insurance company which I was very loyal to since I started to drive as a teenager and I’m in my 40s now ! Kindest Regards, Connie Choi

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David McKeone
July 27, 2023

Krywolt has been great to work with. Always keep annual insurance up to date, and they've been very responsive to questions!

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James Hall
July 1, 2023

I cannot express enough how helpful this broker firm is. I specifically deal with Dwight Clink for all of my business needs. I have dealt with many brokers, NO ONE has ever stepped up to the plate with such amazing service. Iam a very busy owner and Dwight helps me immensely with many tasks without question. Thoroughly professional in every manner. One time I was out of out of the city on a Saturday and needed documents prossceessed. I emailed them expecting not to hear back until the following week and to my utter disbelief two members of the team reached out to help me!!! Now that is service.

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Loreli Garrett
June 28, 2023

Dwight is always available for my questions and concerns and is quick to reply. The service is exceptional and always friendly. Highly recommended.

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Janice Permann
June 22, 2023

I have been dealing with Dwight Clink from Krywolt Insurance for the past couple of years & have found him to be nothing short amazing He has helped me every time I have had any issues or needed any information. I know I can always count on him to be helpful & efficient with all my questions & needs which he answers in a timely manner. No matter how big or how little, he makes me feel like I am his priority. Thanks Dwight for your awesome customer service.

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N A
January 13, 2023

I have been dealing with Krywolt insurance for the past five years and have always had a great experience whenever I need to make updates or just to get information about policy coverage or to add on riders for specific events. Ask for Morgan if you are looking for rock star service from a commercial account executive with Krywolt. She is super knowledgeable, efficient and a great person to deal with.

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Integrity Tile & Stone
December 16, 2022

Where do I start? Had my company vehicle ins with Brokerlink/Intact, but company CGI with Krywolt where I dealt with Sarah Lefebvre. I received our company auto renewal and it went from $1700 a year to $4900 a year!! I contacted my broker and asked why the insane increase and told him we can't afford this!! After a few hours, he called back and said he tried everything, but there is nothing he could do :-( Even though Sarah only handles our Commercial Ins, I emailed her and said "HELP" To make a long stressful story short, Sarah worked her butt off, trying to find out why the huge increase and see if she could get me a better deal. Of course, as soon as my Brokerlink rep found out I had gone someplace else, all of a sudden he found me a better deal !!?? BUT Sarah found an even better deal! I have never received such incredible personable customer service from an insurance broker in all my years of needing insurance. She has assisted me in other situations before all this as well which is why I reached out to her on this. I don't know about anyone else, but I feel having a broker who you can trust and communicate with is crucial! Thank you Sarah for everything you did for me! and thank you Krywolt for hiring her :-) Give this girl a raise :-)

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Amur Abdulghani
November 25, 2022

We would truly refer Krywolt Insurance to our friends and family. A sincere, friendly and wonderful service only is only the beginning of what you can expect from them. A special mention to our account manager AK. He has been fantastic to say the least.

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Angela Cox
September 26, 2022

Sarah L is amazing. She is so attentive and quick to respond. She is knowledgeable and keeps up to date on our account. Insurance is important and you want to feel like the person you are talking to will make sure you are protected, Sarah definitely does that. I have been with Krywolt for many years and am very happy with the service I receive. Thank-You!

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Doug Haller
September 21, 2022

Krywolt has been a fantastic company to work with. Sarah has taken such good care of all my personal and company accounts. Always same day service when I need it. I can rest knowing that Sarah has my back !!!

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Steve Strube
September 20, 2022

I was referred to Krywolt several years ago by a business associate. I was very happy to enjoy a level of personalized service that my previous broker had forgotten over the years. After many years, I am still enjoying the same personalized service. Thanks Sarah!

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Wendy Wright
September 20, 2022

Sarah is the best !! Always helpful and provides excellent service !

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Alexis Miller
September 19, 2022

Sarah L. provides good service, she is very responsive, i feel like my insurance needs are being met or better yet exceeded, she explained thoroughly my buisness liability insurance. So I feel secure in the insurance I have purchased is right for me.

I chose Krywolt because of the positive reviews and I was not disappointed. Thank you Morgan!

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Sharon Numerow
April 5, 2022

Love dealing with Krywolt and Amit Pandhi. They were great from the outset and after a year of dealing with Amit, I cannot say enough about how responsive he is and how wonderful he is to deal with. We switched from AMA over a year ago as their car insurance rates skyrocketed but as a broker, Amit was able to get me great rates for 2 homes and 3 vehicles. Wouldn't hesitate to recommend Krywolt and Amit. Dealt with Morgan when I first inquired and she is also terrific.

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Ehinomen Iria
November 18, 2021

using Krywolt Insurance Broker has just been the best, They are professional ,highly responsive and the best part is you get the best value out there... there is a great guy there named Amit. He's good at what he does.

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chris
November 2, 2021

Was left frustrated and angry working with other brokers to find the right policy until I found Morgan at Krywolt. Morgan has a can do attitude and is always accessible when needed. Nice work Morgan, keep up the super work and positive attitude!

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Debra Van
September 17, 2021

Morgan Anderson was amazing to deal with. She handled my request with insurance in a timely manner and has exceeded all my expectations. I recommend Morgan Anderson to anyone who needs this service to help grow their commercial business. I will use Morgan to handle all my future insurance expectations. Thank you Morgan!!

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Hazel Robinson
September 16, 2021

Great dealing with AK who is patient, efficient and very helpful. I appreciate the help provided with the insurance on my new house

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Joseph Vinatieri
September 1, 2021

Morgan Anderson has been such a pleasure to work with. We set up our business and auto insurance through her. We came to her with a complicated situation and she was extremely knowledgeable and thorough. I highly recommend going with her for any personal or professional insurance needs! Thanks again Morgan!

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Jordan & Catlin S
August 26, 2021
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Emma Gutsche
July 16, 2021

I went to Krywolt because of the high Google reviews. I was right to do so! Dan made the process easy on me, found great coverage and at an amazing rate. Dan is incredibly knowledgeable and friendly. I am happy to know that my company is well protected and that's thanks to Dan!

Krywolt saved my business and has renewed my faith in the insurance industry. Dan is more kind and knowledgeable than anyone I've dealt with in the decade I've had my business and took the time to give me multiple options for things like ways to sign the paperwork online or in person and payment plans if needed. He also patiently and gladly walked me through anything I didn't fully understand. I can't say enough good things about how wonderful Krywolt has been to deal with. I tried 4 other companies trying to get my business insured after Covid shut us down for 1.5 years, I thought we were done for good as no one was able to help. (My biz doesn't fit in an easy box to insure.. or so other companies told me) Then as a last ditch effort I spent a whole day researching reviews for almost every broker in town and found Krywolt! Dan answered the phone when I called just to see if my online form went through - Instead of talking down to me and telling me to wait for a response he chatted with me for 20 minutes on the spot and within a few hours he had me insured with a company who specializes in my hospitality industry. No other broker I've talked to even knew about them... and they certainly didn't have any answers or keep me in the loop about how it was going after a week or more of waiting. I've been gaslighted, strait up lied to and talked down to by other brokers in the past few weeks, needless to say I was deflated before I found Krywolt. I didn't know a company in this industry could be so welcoming, Krywolt is a breath of fresh air and has inspired me to be better in my own business. Don't hesitate to fill out the form online or give them a shout. You will receive 5 star service and if you've ever dealt with other companies I bet you any money you will wish you had found them earlier.

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Jenness McGrath
June 24, 2021

I have had to deal with a few different insurance companies and I have to say the level of responsiveness and personal care I received was outstanding. I've been working with a lady named Morgan. She seems to have a very good way people. I know she has more clients but she makes it seem like I'm the only person she has to deal with. Keep up the great work.

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Dale Ewashen
May 1, 2021

I recently purchased a 2006 Peterbilt hi-way tractor & was in the process of getting it insured, wow did I get an eye opener. I spent 2 days phoning my insurance company and all others that I could find, 60% wouldn't touch me, the other 40% wanted the most ridiculous amount that it barely warranted putting it on the road to work, with a 40% to 70% deductible if anything happened!! After the Humboldt nightmare no one wants to talk to you. Trucker friend of a trucker told me to get ahold of Krywolt Insurance in Calgary they can help. Phoned & got ahold of Dan Hannaford, got talking & unreal Dan talked to Darren that owns Krywolt Insurance & it turns out that his grandfather and dad owned Krywolt Insurance in the Crowsnest Pass in Coleman. I remember old Al Krywolt when I went to insure my first car a 1964 Ford Galaxy. Al knew we were starving young boys working in the underground coal mine in those day, first time insuring a vehicle, old Al would always cut us a deal to get us on the road, just used to tell us just don't crash eh. However dealing with Dan Hannaford at Krywolt Insurance in Calgary within a day & some paperwork emailed and my Peterbilt hi-way tractor was insured the same day & here's the best part of the whole deal, their rates were 60% to 70% lower than any of the closest competition, did that ever make my day. Dan & his people at Krywolt Insurance were the kindest, most knowledgeable, & helpful people I've dealt with, no such thing as NO, just give me an hour & I'll be back to you. Imagine hooking up with the same people my parents & I dealt with nearly 40 years ago. Thank you very much to Dan & the people at Krywolt Insurance in Calgary for being a super big help for me. Highly Highly 100% recommended Thanks Everyone!!!!,👍😃

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Alex Bendel
March 18, 2021

Great response time, very friendly staff. Only giving four stars because I found a cheaper insurance rate elsewhere

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Shannon Voros
March 17, 2021

Morgan goes above and beyond from a personal level to a business level working with her on both sides. I’m impressed with her knowledge and ability to find insurance solutions for her clients. Service and customer focus is top-Notch! Kudos to Krywolt and Morgan!

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Mohamed Ahmed Ahmed
February 23, 2021

Our business nature requires clients satisfaction with our insurance documents. Morgan always helps us almost instantly every time we request a change to satisfy a client's requirements. I personally used to shop around for better deals but now with Morgan, I can focus on my actual professional work knowing that I will get the best deal and best advices for my insurance needs. Always top notch services, thanks a lot

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C Prins
January 28, 2021

I am very impressed with Krywolt Insurance. They have helped my small-business stay appropriately protected and have even refunded a portion of my fees to help relieve some difficult circumstances in this past year.

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Corey Maetche
January 22, 2021

Morgan is just a gem of a human! Always there to help me whenever I need, no questions asked. One of the most knowledgeable commercial brokers I've come across, plus sh'e a really good friend. Thanks again for everything Morgan!

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Shawn Merkley
January 20, 2021

I have now dealt with Dan on a coupe of occasions for my insurance needs. He's really great to deal with and takes time to answer any questions or concerns. If you're looking for an insurance broker that is not only going to get you insured but will also advise you along the way call Krywolt.

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Jen L
January 19, 2021

Morgan has done a great job taking care of the commercial insurance needs of many of the business owners that I refer to her. I really appreciate her knowledge and attention to detail. She is able to answer all their questions and give them the best options available to suit their insurance needs.

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Janie Delorme
January 12, 2021

I can't say enough positive things about Morgan Anderson at Krywolt Insurance. She went above and beyond for my companies Commercial Insurance. In a time with Covid causing hardship to a small business, Morgan took her time with renewing my policy and found insurance that covered everything I need at a price I could afford. I recommend Morgan to anyone looking for insurance, she goes above and beyond! Thank You for all that you do.

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Roger Foster
November 12, 2020

These folks are the best! They have saved me money, and found ways to get the insurance we need by going the extra mile! :-)

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sarah Lefebvre
November 5, 2020

Kamal did my property and auto insurance and she was a pleasure to deal with, fast response and great price! Highly recommend.

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Helen Ward
October 28, 2020

Ashley Quiring at Krywolt Insurance Brokers, Calgary, AB has been so helpful & professional. She was also courteous & quick to respond to our needs! Thankyou Ashley 👍

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Shwa Norrie
October 21, 2020

I'd absolutely recommend Krywolt, especially Kamal who was fantastic, helpful and responsive throughout. Moving to Canada from the UK meant that some brokers from other companies found it difficult to apply my license from the UK to my Canadian insurance but Kamal went through it brilliantly.. Thank you again.

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Michael Murray
October 16, 2020

I was dealing with Ashley throughout my experience which was second to none! I reached out-to many different companies. I received other quotes which were slightly more competitive, but the customer service was terrible. Ashley was prompt and understanding in which a quote was provided immediately and helped me through my experience. I would certainly recommend.

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Heather Russell
October 7, 2020

I had a great experience with Morgan Anderson with Krywolt. She went above and beyond to get the best insurance deal for my family, Very professional and quick. I highly recommend her and this broker!

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Norm Lacourse
October 5, 2020

I have been dealing with Krywolt Insurance for a few years now. I typically deal with Ashley, who has always been amazing. Recently she had some time off and sadly I did notice a drop off in service. Thankfully she is back to work now and she is hands down the best insurance broker I have ever dealt with. She is knowledgeable, prompt, and professional. This 5 star rating is solely because of how great Ashley is at her job!! Thank you Ashley

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Cliff Elarco
October 3, 2020

I have worked with Morgan for serveral years and with her professionalism and expertise she provided me with exceptional service everytime! From recommendations to further understanding policies I have never felt more comfortable with an insurance broker. Thanks Morgan for all the help you've given me all these years.

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Rizzabeth Dang
September 29, 2020

Sherry has been absolutely amazing!! Professional and best of all very informative. She has helped us understand how insurance works and actually leaves us feeling with more answers than questions. I highly, highly, highly recommend Krywolt insurance over other places. We’ve had insurance with other brokers for 20+ years but, this is the first time we actually feel confident that our brokers are there for us and helps us understand why we pay the premium fees that we do. Thank you so much Sherry!!

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Krista Morrissey
September 29, 2020

I have been working with Ashley for a number of years now , she is extremely professional, sweet and wonderful to do business with! She has always found us the best prices with great coverage ! I absolutely love how knowledgeable and quick to get answers she is ! Highly recommended Ashley at Krywolt insurance!!

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Joanne Bai
September 28, 2020

I had great experience with Krywolt Insurance through Sherry Thompson. She's very knowledgeable with the insurance domain, responsive to emails and questions, and had been super patient with me. She was actually the reason that made me choose Krywolt Insurance over the other two brokers. Thank you very much Sherry for being so helpful.

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Raymond Gill
September 28, 2020

I've been with Krywolt insurance for many years and have had a great experience with them. They have a outstanding team and are always punctual and professional. I highly recommend! Sherry Thompson is my agent and my experience with her is why I gave it a 5 star!

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Brittany McDade
September 28, 2020

Ashley is our broker and she is FANTASTIC! Anytime anything insurance related comes up it is always easy to get in touch with Ashley and she deals with our concerns immediately. She goes above and beyond to make sure her clients get the best customer service from her and the greatest rates from insurance providers. We highly recommend Krywolt Insurance Brokers and Ashley specifically as a great company and person to answer insurance needs 👍

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Speedy Hootsman
September 28, 2020

I've used Krywolt for a few years now for all my insurance needs and I've gotta say they're second to none. Ashley W. is something else when it comes to customer service, anytime I need any information whether it's small or large Ashley is quick to respond and beyond friendly. I highly recommend Krywolt Insurance, especially if you get Ashley as your rep.

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Jon Wright
September 28, 2020

Great staff and wonderful service, Ashley Wright will go above and beyond for you. You’re in good hands when you’re with Krywolt insurance.

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Mike Legin
September 28, 2020

Very professional, easy to deal with and do their utmost to accommodate when possible. I often deal with Ashley as she is quick to take charge of the matter at hand and get back to me asap.

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Kelsey Keys
September 28, 2020

I would like to share my good experiences with Ashley Wright. She is dedicated , polite hard working , makes extra effort to satisfy her customers. She is attentive to details and knows she job well.I would recommend his services to anyone.

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Laureen Kovach
September 27, 2020

Ashley Quiring is great at what she does. She is very knowledgeable and always gets back to me the same day. I would highly recommend using Ashley for all of your insurance needs.

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Tiana Bellingham
September 26, 2020

I have been dealing with Ashley at Krywolt for almost two years and she has been great. Ashley is quick to respond, has always been able to answer my questions, and is incredibly efficient. I never worry about insurance related questions/issues, because I know that Ashley is always there to help.

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Stephenie Raba
September 26, 2020

Ashley Wright has been my broker for a very long time now and she always goes above and beyond, always super helpful and timely with any questions or concerns. I couldnt imagine working with any other company or broker since working with her!

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sexstone86
September 26, 2020

Have never had a complaint about the customer service Ashley Wright provides. Always easy to get a hold of and always very good at explaining things and finding the best policy for my needs. I recommend her to anyone I know and even to those I don't.

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Kathryn
September 25, 2020

Dan and Morgan are 2 of the most competent and pleasant people I've worked with. They are quick to respond, thorough and lovely to deal with. I am fully confident with our insurance in their hands.

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Tyler DeGagne
September 3, 2020

I have worked with Dan for over a decade with my business in Calgary and in Edmonton. Dan is a true professional and really Builder's after my best interests. I can count on him to provide documents very quickly for our bidding and tendering. He can also be counted on to provide general advice. Dan and his team at Krywolt are an invaluable partner to us at Lionsgate Builders. I would highly recommend them for your business or personal needs. Very trustworthy. Thanks Dan!

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Carly & Justin Cote
September 2, 2020

Great service. the staff is very friendly and knowledgeable.

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Linda Reynolds
September 1, 2020

Krywolt Insurance Brokers is the absolute best in the insurance business! I highly recommend them for Business and Personal insurance requirements. Darren Krywolt, Dan Hannaford, and Sherry Thompson work extremely hard to determine the appropriate level of insurance required for the best price. Eagle Engineering Corp has carried comprehensive insurance for Commercial, Vehicle, and Professional Liability with Krywolt since they began. I personally have my home and vehicle insurance policies with Krywolt (arranged through Ashley Wright) so I have a high level of peace-of-mind knowing I'm well looked after.

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Gillian Ellwood
August 25, 2020

Sherry with Krywolt is the best! She is so nice to work with and very professional. With all our dealings with Krywolt as a company, they have always been prompt and patient in every step. Highly recommend!

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Zahid Abdullah
August 21, 2020

Highly recommend Krywolt insurance!, I've worked with Kamal Grewal as my broker and I always get quick, complete and friendly responses , she went above and beyond to find me the lowest rates with all the coverage I needed for my new vehicle. This was my first time having insurance under my own name and she made the process very easy for me. She is very quick to reply and was happy to answer any questions . I highly recommend Kamal to anyone looking for an insurance broker she is great!

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Aaron Dias
August 18, 2020

Fantastic Brokers. They got back to me quickly and Ashley made the whole process as easy as it could be.

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Matt Green
July 31, 2020

I worked with Ashley and Dan on a variety of insurance products. They were fantastic to work with: super knowledgeable, patient, excellent at explaining coverage options and finding the best balance of price versus coverage. They have access to a wide variety of products and markets so this is a one-stop shop. You will not be disappointed with these pros.

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Taryn
July 29, 2020

I worked with Ashley and she went above and beyond to find me the lowest rates with all the coverage I needed for my new vehicle. This was my first time having insurance under my own name and she made the process very stress free and easy for me. She is very quick to reply and was happy to answer any questions I had throughout the process. I highly recommend Ashley to anyone looking for an insurance broker she is great!

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Thomas Bye
July 27, 2020

Great company to deal with providing great advice and policies at good prices. Would recommend to anyone looking for business insurance

Highly recommend Krywolt insurance! After calling numerous insurance brokers they were able to get me the best deal! Great thank you goes out to Kamal for accommodating all my needs and being extremely patient with my particular situation! Very helpful and professional :)

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Alex Calgary
July 7, 2020

Excellent customer service. Last time I've talked with Kamal and today I talked with Ashley. Ashley went above and beyond to help me to find best quotes possible for my car and home insurance. I was impressed with Ashley's patience and knowledge as I had a million questions. Highly recommend this company for all your needs.

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Iftikhar Wainse
June 29, 2020

A friend referred me to them and it was totally worth talking to them. Sherry made it really convenient for me to get business insurance. Very professional and responsive people.

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GORDON FLUG
June 8, 2020

In 2019 i switched my business insurance over to Morgan Anderson at Krywolt and this year in 2020 i have switched both of my vehicle insurance policies over to Morgan again. She is an absolute pleasure to deal with - friendly, very quick to respond, professional. It is great to have one person to deal with instead of having to have multiple people for our various insurance needs.

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Taylor Gudzowaty
June 4, 2020

I've had the pleasure of dealing with Kamel over the last 2 days and her professionalism and kind spirit made my experience a very positive one. i will strongly recommend to her to my close friends and family!

I had a fantastic experience using Krywalt. Kamal was very informative on what I needed to provide on my end, and the process that needed to happen to insure I received the best price for insurance. She was professional and very fast. I would definitely recommend anyone looking for hassle free and great price insurance to go through her and this company.

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Sumir Saini
May 29, 2020

I have had the pleasure of dealing with Dan at Krywolt Insurance on a number of occasions respecting my corporate insurance policy. He has proven to be very knowledgeable, honest and timely with all my concerns. I would highly recommend both Krywolt and Dan if you are looking for a high level of personal service and honest advice.

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Cara Bennett
May 29, 2020

Sherry was amazing. Very patient, gave thorough explanations on the policies, and helped with great savings. Thank you Sherry!

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Bhupinder Mann
May 29, 2020

Sherry is so good whenever I need any document any queries she always helps us , such a amazing work sherry , thanks alot,good quality , professional, response, great value.thanks

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Jim Freer
May 29, 2020

My wife and I were new to Canada from the UK. Therefore we had more difficult situations to setup our car insurance and our camper van insurance and trying to include our driving history. I can only honestly say that all the time Kamal went the extra mile, and was impressively responsive and professional, to help us with our car and house insurance needs. It is not in anyway exaggerating to say that Kamal has saved us thousands of dollars, particularly for our camper van, compared to other Canmore/Calgray broker quotes we were getting. I would not hesitate in recommending Kamal to anyone I know (and indeed I have already done so). We are very grateful to have Kamal as our insurance broker, it's rare to find someone so helpful in my experience (and I am 53 years old!), best wishes Professor Jim Freer

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Jason Szott
May 29, 2020

Morgan was instrumental in helping me get the proper insurance i need on my house and vehicles. I would recommend her in a heartbeat!

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Joel Park
May 28, 2020

Great company and team of people. We have been dealing with Darren for 6 years now and is always a pleasure. Jocelyne and Sherry are professional and responsive and they get things done quick and efficiently. I would definitely recommend them to anyone looking for outstanding service and the best prices.

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Crystal Dyck
May 28, 2020

Wendy was amazing! She helped figure out exactly what I needed and got me the best policy! Who knew getting insurance could be so easy. Thanks Wendy!

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Austin Hannaford
May 28, 2020

After having dealt with two different insurance brokers, Krywolt was my number one pick as they are very responsive and professional. I have worked directly with many of their staff, however I would highly suggest Dan Hannaford if you are looking for someone who knows his stuff and will do his best to get you the client what you require. They are a no joke insurance broker who will tell you upfront the real costs associated with your project. I highly recommend them to anyone who is in need of insurance.

As a new business owner I didn't fully understand the requirements for commercial insurance, however after calling Krywolt and speaking with Dan he was able to guide me through the process. His knowledge and experience was second to none and he made the process so easy. I called around to other firms and no one else was able to provide me with the recommendations I recieved from Dan. This is the place to call if your looking for insurance.

We worked with Dan on setting up commercial vehicle insurance and it was a fantastic experience. Dan was very knowledgeable and made suggestions that improved our coverage and provided better protection for our company all while finding us the best price. Dan was very responsive to our inquiries and always got back to us quickly. Are experience with Dan was very positive and we highly recommend Krywolt insurance.

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Diana B
November 7, 2019

I can’t say enough good things about this company and their representatives - especially a big shout out to Melaine!!! Their efficiency is over and beyond and they made all my insurance requirements big or small the easiest thing to do not to mention they saved me money by combining my coverages. Thank you all at Krywolt!

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