Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
Does Your Canadian SaaS Company Need Tech Errors and Omissions Insurance?
Tech E&O insurance protects Canadian SaaS companies when a bug or bad data costs a client money. What it covers, what it costs and how to get a free quote.
9 Reasons Why Massage Therapists Need Insurance
Your premium depends on how you practise. Here’s what Canadian RMTs typically pay for coverage, what your provincial college requires, and how to pay less without leaving gaps.
8 Things That Are Scarier Than Halloween (For Business Owners)
Ghost stories and haunted houses are all in good fun. What should genuinely frighten Canadian small business owners? Lawsuits, cyberattacks, and running a business with no coverage at all. Here are eight real-life scares – and how the right business insurance makes each one less scary.
What Insurance Do Real Estate Property Managers in Canada Need?
You run the building. You don't own it. That gap is exactly where the owner's insurance stops and your liability starts. Here’s what residential and commercial property managers need to know about protecting their livelihoods.
Franchise Insurance Requirements in Canada: What Your Franchise Agreement Requires
Your franchise agreement spells out the coverage you must carry before opening day. Here’s what each clause means, what it costs in Canada, and how to get your certificate in hand fast.
What Is Commercial General Liability (CGL) Insurance? A Guide for Canadian Small Businesses
A customer trips at your front door. A job goes sideways and floods a client's basement. Here's how commercial general liability (CGL) insurance protects your business from claims like these, what it costs, and how to get covered in minutes.
Small Business Tips
6 Real Cyber Insurance Claims Canadian Small Businesses Filed in 2026
Phishing, ransomware, and DDoS attacks keep evolving, and Canadian small businesses are squarely in cybercriminals' crosshairs. Here are six real claims we helped clients recover from – payouts from $25,000 to more than $250,000 – and what they mean for your business, whatever industry you're in.
Winter-Proofing Your Commercial Property: 10 Steps to Take Before the First Freeze
Don't let winter put your business property at risk. A few hours of prep in the fall can save you a five-figure repair bill in January. Here are 10 ways Canadian small business owners can safeguard their commercial property this season, and how commercial property insurance covers what prevention can't.
How to Write a Snow Removal Contract in Canada
Snow removal contracts do more than lock in the work. They define your scope, spell out who's liable, and get you paid on time. Here's what to include in your commercial and residential snow removal contracts before the first flake falls.
Insurance
Does Your Canadian SaaS Company Need Tech Errors and Omissions Insurance?
Tech E&O insurance protects Canadian SaaS companies when a bug or bad data costs a client money. What it covers, what it costs and how to get a free quote.
9 Reasons Why Massage Therapists Need Insurance
Your premium depends on how you practise. Here’s what Canadian RMTs typically pay for coverage, what your provincial college requires, and how to pay less without leaving gaps.
8 Things That Are Scarier Than Halloween (For Business Owners)
Ghost stories and haunted houses are all in good fun. What should genuinely frighten Canadian small business owners? Lawsuits, cyberattacks, and running a business with no coverage at all. Here are eight real-life scares – and how the right business insurance makes each one less scary.
Financial Business Tips
Small Business Grants Ontario 2026: 20 Grants and Funding Programs for Small Businesses
Securing funding is essential for the innovation and growth of all small businesses and startups. This guide outlines 20 small business grants available in Ontario and Canada, along with other resources to help business owners accelerate their growth.
Zensurance $10,000 Business Grant Recipient: Next Level Property Management
Meet the recipients of our $10,000 grant and five $1,000 grants! We chatted with these business owners to get their best advice for other entrepreneurs, plus why they think insurance is a must-have for keeping a business’s finances secure.
Why Do Insurers Ask for Your Small Business Revenue?
When you apply for business insurance in Canada, insurers often ask about your company’s annual and projected revenue. Here’s why they need this information, how to figure out your numbers, and why it’s important to be accurate.
Cybersecurity
Zensurance $10,000 Small Business Grant: Meet Our Six Finalists
Canadians voted, and one Ontario food business takes home $10,000. Five more finalists each receive $1,000. Here's their advice for other owners, why they say insurance is a vital investment in their future, and how to enter our next $10,000 grant.
AI Cyberattacks Are Hitting Canadian Small Businesses. Here’s What Cyber Insurance Covers
AI has made phishing emails grammatically perfect and fraudulent phone calls sound like your boss or colleague. Here's how Canadian small businesses are being targeted in 2026, what an attack actually costs, and what cyber insurance covers when your defences fail.
How to Do a Business Name Search in Canada
A memorable business name builds brand awareness, drives loyalty and sales, and helps you hire. Here's how to search Canada's business registries and trademark database, order a NUANS report, and register your name step-by-step.
Startup Tips
12 Tips for Buying the Right Business Insurance in Canada
61% of Canadian small business owners surveyed have no coverage at all. That's a gamble few can afford to take if something goes wrong. Here's how to buy the right business insurance, and avoid paying for what you don't need.
How to Do a Business Name Search in Canada
A memorable business name builds brand awareness, drives loyalty and sales, and helps you hire. Here's how to search Canada's business registries and trademark database, order a NUANS report, and register your name step-by-step.
How to Become a First-Time Landlord in Canada (2026 Guide)
A step-by-step guide to becoming a landlord in Canada. Learn landlord responsibilities, tenant screening tips, and how landlord insurance protects rental properties.