Joe Hines is jointly responsible for leading Gallagher’s cyber risk practice in Canada, overseeing the placement and sale of cyber insurance policies to a diverse range of clients. Recognized by Insurance Business Canada as one of the Best Young Insurance Professionals Under 35 in 2023, Joe combines industry expertise with a client-focused approach. He educates clients on proactive risk management, translating insurer requirements into practical steps that help organizations lower risk costs, stabilize coverage and avoid costly exposures. His areas of expertise span cyber insurance, technology errors and omissions, professional liability, and all major commercial lines. Through active collaboration with international colleagues in Gallagher’s global cyber practice, Joe brings global best practices and cross-border insights to Canadian clients, ensuring access to emerging threat intelligence and proven strategies. He stays engaged in clients’ business operations by participating in risk reviews, internal planning, and post-incident debriefs, allowing him to tailor support and align insurance solutions with each client’s real-world needs. Joe’s contributions have helped expand Gallagher’s cyber portfolio in Canada, positioning the firm as a leader in strategic cyber risk advisory and client education.