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Cybersecurity – MSW members
Cybersecurity insurance for MSW members in Quebec
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A cyber insurance program designed for MSW network members
Members of this network have access to a cyber insurance program negotiated by La Turquoise with a specialized insurer.
This program is designed for businesses that depend on technology every day. It covers management software, payment terminals, email, and customer data.
Eligible members have access to protections covering, among other things:
- your computer systems and business data,
- your customers’ personal data,
- your general liability in the event of a data leak,
- your loss of income due to a disruption of your business activities,
- your recovery costs after a cyberattack.
Your MSW network membership is the entry point to access this offer. A La Turquoise broker confirms your eligibility before underwriting.
This program also includes a group personal insurance offer, available to you and your employees.
Do you work in an MSW network member establishment? Exclusive discounts on your personal auto and home insurance are available to you as well.
A program distributed in partnership with the Mechanic Web Services network
La Turquoise works with the Mechanic Web Services (MSW) network to support members in their insurance approach. It takes into account the specific reality of auto repair shops and auto parts stores that use the MSW network’s services in Quebec.
You are leaving La turquoise’s website
This link leads to the website of the Mechanic Web Services network, a partner of this page. There you can find more information on the services offered to network members.
Protections included in the MSW cyber insurance program
See what the coverage includes- Your systems and your data: a cyberattack can shut down your operations within minutes. Your management software, payment terminals, and customer data are all targets. This protection covers the cost of recovering your data and restarting your computer systems.
- Your liability to your clients: if your customers’ personal data is exposed following a breach, lawsuits may follow. This protection covers your general liability in this type of situation.
- Your legal and technical costs: managing the aftermath of a cyberattack requires expertise that few businesses have in-house. This protection covers the legal and technical assistance needed for recovery.
- Your reputation and your communications: in the event of a data leak, you must notify the people affected. This is a legal requirement in Quebec.
Why choose the MSW program for your cyber insurance
Discover the benefits for MSW members- Your reality as an MSW member is taken into account from the start: website, social media, online management tools.
- The program is available across Canada, with no extra steps required on your part.
- Several protections are automatically included, with no separate application for each component.
- Members with employees have access to a group personal insurance program as part of this partnership.
- A broker understands the risks tied to your shop’s online presence and supports you in the event of a claim.
Save on your premium
La Turquoise’s insurance brokers will help you find the discounts that apply to your situation. These savings vary depending on your profile and coverage. They make it easy to lower your rates.
Car and home insurance discounts
Bundling auto and home insurance with La Turquoise can lower the premium. The broker explains the possible savings based on the situation.
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Multiple vehicles
Bundling insurance policies with the same provider may qualify the policyholder for a discount. This option often applies when multiple drivers from the same household are insured together.
Safe driver/personalized premium program (based on driving habits)
A claims-free driving record may qualify for a discount. Some insurers also offer a program that analyses driving habits and adjusts the premium accordingly.
Recommended coverages
The plan covers professional liability and general liability. Extra coverage may be available to supplement the policy depending on the situation.
Your liability to your clients and third parties
An incident on your premises or during your business activities can lead to a claim. This protection covers property damage and bodily injury caused to a third party.
- A customer is injured in your parking lot
- A vehicle is damaged while being moved by an employee
- Damage occurs at a third party’s location during work performed outside your shop
Liability for faulty workmanship
A poorly performed repair can cause damage after the vehicle has left your shop. This protection covers claims related to workmanship errors or defects in completed work.
- A customer loses a wheel after a repair performed at your shop
- An undetected mechanical issue causes an accident after the service
- An improperly installed part causes additional damage to the vehicle
Breakdown of your equipment
A sudden equipment failure can interrupt your operations without warning. This protection covers accidental breakdown of your mechanical, electrical, and electronic equipment.
- Your vehicle lift breaks down in the middle of the day
- A short circuit damages your payment system
- Your compressor stops working due to an internal breakdown
Your questions about cyber insurance for auto repair shops
Certain questions come up often about cyber insurance in the automotive repair sector. Here are the answers to the most frequent ones.
Your shop likely uses management software, a payment terminal, email, and a website. These tools handle customer data every day.
A single breach can shut down your operations, expose confidential information, or force a temporary closure. Recovery costs are often higher than expected.
Small and medium businesses are frequently targeted by cyberattacks, precisely because their protection systems are less robust than those of larger companies. A broker can assess your level of exposure and tell you whether coverage is warranted for your situation.
Phishing is one of the leading causes of cyber incidents in auto repair shops and auto parts stores. A fake email from a supplier or customer can look completely legitimate.
A single click can be enough to install ransomware, lock down your systems, or expose your customers’ personal data.
Cyber coverage generally takes care of system recovery costs, specialized technical assistance, and the steps required to notify affected individuals. The consequences of human error are covered, not just external attacks.
In Quebec, Law 25 sets out specific obligations for protecting personal information. If customer data is exposed following a breach, you may be held responsible for the resulting harm.
This includes contact details, payment information, and any other personal information stored in your systems or management software.
Cyber insurance can cover your general liability in this type of situation. It also takes care of mandatory notification costs and credit monitoring for affected individuals. A broker can clarify the extent of this protection for your situation.
Your commercial insurance covers your property, your premises, and your general liability. It doesn’t provide specific protection against cyberattacks, data theft, or crisis communication costs.
Cyber insurance is a separate protection, designed for the digital risks businesses face today. It covers situations that a standard commercial policy doesn’t recognize.
In some cases, partial cyber protection may already be included in your current policy. A broker can check what your existing coverage includes and identify any gaps to fill.
Choosing a coverage limit depends on your operational reality. Several factors come into play, including the volume of customer data you manage, the digital tools you use daily, and the size of your business.
A shop with an active website and online payments doesn’t have the same needs as a business with no digital presence. There’s no universal answer. A broker analyzes your risk profile and guides you toward coverage proportional to your actual exposure.
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