ABISOL.COM
01 / 11

For Canadian P&C insurance brokerages · independent & MGA

Fractional CTO & CISO
for insurance brokerages

Board-level technology and cyber leadership — the security your carriers, RIBO, and clients now expect, without a full-time executive salary.

Protect your clients’ data, your carrier appointments, and your E&O standing — so your brokerage keeps writing business.

Client trustRIBO-readyCarrier requirementsCyber-insurable
ABISOL.comMohammad Elmallah · Founder & Principal Consultant · Fractional CTO & CISO
ABISOL.COM
02 / 11

Before the pitch — one question

Your brokerage is covered against every risk but one: a single unguarded click.

Client PII, premium funds, and your carrier appointments all run on technology no one senior is watching. In the next few minutes: what that gap actually costs — and how little it takes to close it.

1What one breach really costs a brokerage 2What RIBO & your carriers now expect 3The 90-day fix — without a full-time hire
ABISOL.comWhy this matters now
ABISOL.COM
03 / 11

Bank-grade data on a small-business budget.

What you hold

Data a bank would encrypt twice.

  • Client PII, SIN & dates of birth
  • Banking & payment details
  • Policy & claims history
  • Carrier portal credentials

What you can staff

A small team wearing every hat.

  • Producers & CSRs wearing every hat
  • Staff on personal phones & laptops
  • One BMS/CRM and email tenant
  • One MSP ticket queue
A full-time CTO/CISO runs $250K+ fully loaded — out of reach for a brokerage. Yet RIBO now asks about your cyber posture, and carriers and cyber-insurers expect real controls.
ABISOL.comThe brokerage paradox
ABISOL.COM
04 / 11

The exposure is real. The resources are not.

86%
of Ontario brokerages already have a cybersecurity policy — RIBO, 2024–25
82%
of cyber claims involved organizations with no MFA in place — Coalition
$6.98M
average Canadian breach cost, CAD — IBM, 2025
94%
of brokerages bought or are considering cyber insurance — RIBO, 2024–25
RIBO’s renewal now asks about your cyber controls, and carriers and cyber-insurers demand proof of MFA, EDR, and tested backups. A control that wasn’t in place before an incident can void the claim — and cost you the appointment.
ABISOL.comSources: RIBO (2024–25); Coalition (2024); IBM (2025)
ABISOL.COM
05 / 11

Who you’re trusting with it

Every engagement led personally — never handed off.

Mohammad Elmallah
Founder & Principal Consultant · Fractional CTO & CISO
MBACISSPCISMPMPCSMITILAzure

25+ years across hands-on architecture and C-suite leadership — cloud, software delivery, and security programs aligned to OSFI B-13, ISO 27001, and NIST CSF 2.0 — spanning healthcare, insurance, finance, the public sector, and nonprofits. At ABISOL, that senior expertise is who you work with from day one.

25+years leading IT & security
50+organizations served
$5M+budgets delivered on time
7certifications & designations

Certified across the lifecycle

MBA, CISSP, CISM, PMP, CSM, ITIL & Azure — security, delivery, and leadership in one advisor.

Led personally, start to finish

No junior consultants, no subcontracting, no hand-off after the discovery call.

Platform-first, no lock-in

Maximizes the Microsoft 365, Power Platform & Azure you already own — pilot in 30 days, prove ROI, then scale.

Bank- & regulator-grade

OSFI B-13, ISO 27001, NIST CSF 2.0 & SOC 2 experience, brought to a brokerage’s budget.

ABISOL.comMeet your principal consultant
ABISOL.COM
06 / 11

Depth behind the fractional model

Credentials that map to every control your carriers and underwriter ask about.

Board-ready cyber governance, incident-response plans & vCISO oversight.
Fractional CISO
Automation built on the Microsoft 365, Power Platform & Azure you already own.
AI & workflow automation
Cloud, microservices & hybrid designs sized to your organization — no over-build.
Enterprise architecture
PIPEDA, SOC 2, ISO 27001 & NIST CSF 2.0 turned into audit-ready programs.
Compliance architecture
PMP-certified delivery, vendor negotiation, risk & stakeholder governance.
IT project leadership
Classification, retention, DSAR & ROPA workflows, and privacy impact assessments.
Data governance & privacy

Certifications & frameworks

CISSPCISMMBAPMPCSMITIL v4AzureNIST CSF 2.0ISO 27001:2022SOC 2 Type IIOSFI B-13PIPEDAHIPAAPCI-DSS v4.0CIS v8.1COBIT 2019
ABISOL.comPrincipal consultant · credentials
ABISOL.COM
07 / 11

The good news

The controls that win cyber-insurance discounts, you can turn on now.

Microsoft 365 Business Premium already includes the MFA, EDR, and email security carriers now require. The problem isn’t buying more tools — it’s that no one senior configures and hardens the ones you already pay for, or documents them for your underwriter. That’s exactly what ABISOL does.

M365 Business Premium security you already pay forMFA & EDR you may already ownData residency in CanadaNo rip-and-replace
We start with the controls you already own — so most brokerages add little to no new software spend, with data kept resident in Canada.
ABISOL.comControls you already own
ABISOL.COM
08 / 11

We own the tech & security piece — you focus on your clients.

CTO

  • Integrate BMS/CRM, Microsoft 365 & finance
  • Harden what you own; one system of record
  • Cut wasted SaaS spend
  • Practical AI rules for producers & staff

CISO

  • RIBO & privacy compliance, breach playbooks
  • Least-privilege (RBAC) & MFA
  • Phishing & wire-fraud dual approval
  • Secure remote & producer work
Sales & service
YOU
Client relationships
YOU
Carrier markets
YOU
Tech & security
ABISOL
Here is exactly what “the tech & security piece” means — in plain terms, across the five areas on the next slides.
ABISOL.comCore CTO & CISO capabilities
ABISOL.COM
09 / 11

Proof, not promises

Every engagement leaves you with artifacts you can file.

The value isn’t the retainer — it’s the documents your owners, carriers, and underwriter can hold in their hands. These are yours to keep, whether or not you continue.

For your owners & carriers

  • Cyber risk register — ranked and owner-ready
  • Policy pack: privacy, acceptable-use & AI
  • Cyber-insurance & RIBO evidence file
  • A one-page cyber dashboard your PB can read

For your day-to-day operations

  • 12-month technology roadmap
  • RIBO & carrier readiness plan
  • Incident-response playbook, ready to run
  • MSP & vendor scorecard with renewal dates
A board can approve proof far more easily than a promise — so you leave the first engagement with something to show for it.
ABISOL.comWhat you walk away with
ABISOL.COM
10 / 11

Straight answers

The questions every board asks — answered up front.

“We already pay an MSP — do we replace them?”

No. Different jobs. Keep a good MSP for the ticket queue — we govern above it, set the strategy, and hold them accountable to it.

“Aren’t we too small to be a target?”

Small brokerages get hit precisely because defenses are thin and the funds — premiums, commissions — and client data are real. Attacks are automated; size is no shield.

“Can we trust an outsider with our data?”

We configure and govern with least-privilege access, work without holding your sensitive data, and sign an NDA. You keep ownership and control throughout.

“Why fractional instead of a hire or a project?”

The continuity of an employee without a $250K salary — and unlike a one-off project, we stay until the controls and habits actually stick.

Still unsure it fits the budget? The free assessment quantifies your specific gaps and savings first — so you decide with numbers, not a leap of faith.
ABISOL.comQuestions we hear from boards
ABISOL.COM
11 / 11

Free · no commitment · nothing to lose

Start with a free Tech & Cyber Health Assessment

What it costs you

  • $0 — completely complimentary
  • No retainer, no commitment, no lock-in
  • 45–60 minutes with your Principal Broker & Ops
  • A board-ready one-pager you keep

What waiting costs you

  • A RIBO or carrier question you can’t answer
  • A cyber-insurance renewal you can’t pass
  • A control gap that voids a claim
  • An E&O-triggering breach you didn’t see coming
ABISOL.comABISOL · Mohammad Elmallah · Founder & Principal Consultant
ABISOL.COM
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01/11