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Buckstein discusses the elevated cybersecurity threat which is driving a vital need for people doing business at home. A once-in-a-century global pandemic has dispersed an unprecedented number of Canadians to work out of their homes, prompting more demand among home-based business clients for commercial cyber coverage. Curtis Killen, president of KBD Insurance Inc., an insurance brokerage firm in Montreal, says he is fielding more questions about whether home-based businesses are covered for ransomware. Clients also ask about coverage for electronic theft of funds, as well as coverage for social engineering or phishing incidents.