Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
Workers’ Compensation vs Employers’ Liability Insurance: What’s the Difference?
Workers' comp and employers' liability insurance both deal with workplace injuries, but they're not interchangeable. Here's how each one works, who needs it, and why many Canadian small businesses carry both.
What Is Small Business Insurance (And Do You Need It?)
From liability lawsuits to fire damage, here's what small business insurance covers, what it costs in Canada, and how to tell if your business needs it.
What Insurance Does a Cybersecurity Consultant Need?
Cybersecurity consultants in Canada typically need four coverages: professional liability (errors and omissions), cyber liability, commercial general liability, and business contents insurance. The reason is simple. Clients blame the person who told them they were secure.
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.
What Type of Insurance Do Software Developers Need?
Software developers build the systems everything else runs on, and carry the liability when something breaks. Here's the coverage Canadian devs, freelancers, and dev shops actually need, and what each policy does when a claim lands.
How Much Is Commercial Vehicle Insurance in Canada?
The cost of commercial vehicle insurance in Canada varies by insurer. Here's what drives your rate, why business vehicles cost more to insure than personal ones, and how to keep your premium down.
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
Workers’ Compensation vs Employers’ Liability Insurance: What’s the Difference?
Workers' comp and employers' liability insurance both deal with workplace injuries, but they're not interchangeable. Here's how each one works, who needs it, and why many Canadian small businesses carry both.
What Is Small Business Insurance (And Do You Need It?)
From liability lawsuits to fire damage, here's what small business insurance covers, what it costs in Canada, and how to tell if your business needs it.
What Insurance Does a Cybersecurity Consultant Need?
Cybersecurity consultants in Canada typically need four coverages: professional liability (errors and omissions), cyber liability, commercial general liability, and business contents insurance. The reason is simple. Clients blame the person who told them they were secure.
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.