Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
Moving Company Insurance in Canada: What Coverage Do You Need?
Late summer and fall are peak season for Canadian moving companies – university turnovers, families relocating between school years, and summer real estate closings all land in the same few weeks. Protecting customers' belongings in transit and in storage takes a commercial policy built for movers, not a generic business package. Here's what yours should include.
Snow Removal Insurance: What You Need to Know (Winter 2026-27 Guide)
Snow removal insurance is hard to get and easy to leave too late. Here's what coverage you need, what it costs, and why Canadian contractors should lock in a policy before insurers hit capacity this fall.
14 Reasons Why You Need Home-Based Business Insurance in Canada
Home-based businesses face the same liability risks every other small business does – and your home insurance policy won't cover them. Here are 14 reasons home-based business insurance is essential, plus how to reduce the risks you face.
What Is Care, Custody, and Control in Insurance?
A care, custody, and control exclusion means your insurance won't pay for someone else's property when it's damaged in your hands. Here's how it works, and how to cover the gap.
Renting to Students: A Canadian Landlord’s Guide
Thousands of students are hunting for off-campus housing right now – and that makes late summer the busiest stretch of the year for landlords. Here's how to prepare your rental property, screen student tenants, set lease terms that hold up, and protect yourself from the liability risks that come with the territory.
9 Insurance Risks Gyms and Fitness Centres in Canada Face
Gyms and fitness centres face injury claims, equipment breakdowns, harassment allegations, and cyberattacks. Here are the nine most common risks – and the gym and fitness centre insurance coverages that protect your finances when something goes wrong.
Small Business Tips
Renting to Students: A Canadian Landlord’s Guide
Thousands of students are hunting for off-campus housing right now – and that makes late summer the busiest stretch of the year for landlords. Here's how to prepare your rental property, screen student tenants, set lease terms that hold up, and protect yourself from the liability risks that come with the territory.
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.
Insurance
Moving Company Insurance in Canada: What Coverage Do You Need?
Late summer and fall are peak season for Canadian moving companies – university turnovers, families relocating between school years, and summer real estate closings all land in the same few weeks. Protecting customers' belongings in transit and in storage takes a commercial policy built for movers, not a generic business package. Here's what yours should include.
Snow Removal Insurance: What You Need to Know (Winter 2026-27 Guide)
Snow removal insurance is hard to get and easy to leave too late. Here's what coverage you need, what it costs, and why Canadian contractors should lock in a policy before insurers hit capacity this fall.
14 Reasons Why You Need Home-Based Business Insurance in Canada
Home-based businesses face the same liability risks every other small business does – and your home insurance policy won't cover them. Here are 14 reasons home-based business insurance is essential, plus how to reduce the risks you face.
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 Small Businesses Need to Know About Cyber Insurance
Data shows that 48% of Canadian small businesses have implemented any form of cyber defence, and only 22% have cyber insurance. Here's why it's time to get serious about protecting your business from cyber threats.
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.
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.