Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
How Does Product Liability Insurance Protect Business Owners in Canada?
Product liability insurance protects business owners against claims alleging their products caused third-party bodily injuries or property damage. Here's what manufacturers, distributors, retailers, sole proprietors, and e-commerce sellers in Canada need to know.
What Insurance Do Personal Trainers and Fitness Instructors in Canada Need?
Personal fitness trainers and instructors working with individuals to help improve their physical health and achieve their fitness goals face the possibility of injuries to clients and other liability risks. Here’s what every personal fitness trainer should know.
Self-Employed Insurance in Canada: Coverage Every Freelancer and Solopreneur Needs
70% of self-employed Canadians have no business insurance, leaving them one lawsuit away from financial ruin. Getting covered is easier and more affordable than most self-employed professionals realize. Here's what you need to know.
What Is a Certificate of Insurance (COI)?
A certificate of insurance (COI) is a one-page document issued by your insurer or broker that proves your business is insured. It summarizes your active coverages, policy limits, expiry date, and other key details, so clients, landlords, and partners can confirm you're covered before they agree to work with you.
10-Step Checklist for Starting a Small Business in Canada
Ready to launch your business? Follow this 10-step checklist for starting a small business in Canada – from legal registration to getting insured.
Do Consultants in Canada Need Liability Insurance?
One misread recommendation or a project that falls short of a client's expectations can trigger a negligence claim or an expensive lawsuit. Here's how the right insurance protects your consulting business, your finances, and your reputation.
Small Business Tips
Emergency Preparedness Week 2026: 10 Tips for Small Businesses in Canada
Emergency Preparedness Week 2026 runs from May 3 to 9. Is your small business ready for a flood, wildfire, or earthquake? Grab our free emergency supply kit checklist and use these 10 tips to protect your business before disaster strikes.
Is Your Small Business Ready for Wildfire Season?
Wildfire season in Canada now starts earlier and hits harder. Here's what small business owners need to know and do to protect their properties before the next fire breaks out.
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.
Insurance
How Does Product Liability Insurance Protect Business Owners in Canada?
Product liability insurance protects business owners against claims alleging their products caused third-party bodily injuries or property damage. Here's what manufacturers, distributors, retailers, sole proprietors, and e-commerce sellers in Canada need to know.
What Insurance Do Personal Trainers and Fitness Instructors in Canada Need?
Personal fitness trainers and instructors working with individuals to help improve their physical health and achieve their fitness goals face the possibility of injuries to clients and other liability risks. Here’s what every personal fitness trainer should know.
Self-Employed Insurance in Canada: Coverage Every Freelancer and Solopreneur Needs
70% of self-employed Canadians have no business insurance, leaving them one lawsuit away from financial ruin. Getting covered is easier and more affordable than most self-employed professionals realize. Here's what you need to know.
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
What Should You Do If Your Small Business Has a Data Breach?
Small businesses in Canada are prime targets for cyberattacks and data breaches. Here's exactly what to do in the first 24 hours if your business is hit by a data breach, and how cyber liability insurance can help you recover quickly.
Why E-Commerce Insurance Matters for Online Sellers in Canada
If you sell products online in Canada, e-commerce insurance – also known as online business insurance – is essential to protect your finances, inventory, and reputation. Here’s what online sellers, dropshippers, and small e-commerce businesses in Canada need to know.
What Is Smishing? How Text Scam Attacks Work & How to Stop Them
Smishing is growing due to artificial intelligence (AI) tools that create realistic text scams. Learn how to recognize smishing messages, protect your small business from attacks, and how cyber liability insurance can help your company after an attack.
Startup Tips
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.
How to Start a Landscaping Business in Canada (Step-by-Step Guide for 2026)
Learn how to start a landscaping business in Canada, including startup costs, licensing requirements, equipment, pricing, and the insurance coverage most contractors need before booking their first job.
How to Start a Business in Ontario: A Step-by-Step Guide for New Entrepreneurs
Thinking about starting a business in Ontario? This beginner-friendly guide walks you through the key steps – from planning and registration to taxes, funding, and insurance – so you can start confidently and grow as you go.