Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
Why Directors and Officers (D&O) Insurance in Canada Is Vital in 2026
As business insolvencies and bankruptcies rise, if your organization has a board of directors or senior officers, D&O insurance is critical coverage to protect decision-makers in today’s high-liability environment.
Is Your Small Biz Underinsured? How to Tell and What to Do If It Is
Discovering your business is underinsured often happens after a loss, lawsuit, or cyber incident – when it’s already too late. This guide helps Canadian small business owners identify coverage gaps before they become financially devastating.
8 Reasons Why Your Small Business Needs Legal Services Insurance
Legal services insurance may not be top-of-mind for small business owners, but it's vital coverage for a wide range of issues. Here's why you should think about adding it to your policy.
What Happens If Your Small Biz Doesn’t Have Workers’ Comp?
Failing to register your company with your province’s workers’ compensation board and going without workers’ comp insurance can lead to significant financial and legal consequences. Here’s what every Canadian small business owner or sole proprietor needs to know.
10 Questions to Ask Before Renewing Your Small Business Insurance
Reviewing your business insurance coverage annually – especially at the start of a new year – is one of the best ways to protect your small business. Before you renew a policy, ask an insurance broker a few key questions to confirm you’ve got the right coverage for your Canadian business. Here are 10 questions to ask.
5 Trends for 2026 Every Small Business Owner Should Know
See what’s hot for the year ahead with these five trends that Canadian small business owners and independent professionals should have on their radar in 2026, and how they can work them into their strategies.
Small Business Tips
5 Trends for 2026 Every Small Business Owner Should Know
See what’s hot for the year ahead with these five trends that Canadian small business owners and independent professionals should have on their radar in 2026, and how they can work them into their strategies.
Canadian Small Business Tax Filing Tips for 2026
Tax season is fast approaching, and small business owners and self-employed professionals should start preparing now rather than later. Get a rundown of important dates and how to reduce your chances of being audited.
10 Ways to Safeguard Your Small Business During the Winter
Winter's icy wrath can damage your business property or cause accidents that lead to liability claims. See our recommendations for protecting your property and finances throughout the winter and reducing the chances of suffering costly losses.
Insurance
Why Directors and Officers (D&O) Insurance in Canada Is Vital in 2026
As business insolvencies and bankruptcies rise, if your organization has a board of directors or senior officers, D&O insurance is critical coverage to protect decision-makers in today’s high-liability environment.
Is Your Small Biz Underinsured? How to Tell and What to Do If It Is
Discovering your business is underinsured often happens after a loss, lawsuit, or cyber incident – when it’s already too late. This guide helps Canadian small business owners identify coverage gaps before they become financially devastating.
8 Reasons Why Your Small Business Needs Legal Services Insurance
Legal services insurance may not be top-of-mind for small business owners, but it's vital coverage for a wide range of issues. Here's why you should think about adding it to your policy.
Financial Business Tips
Canadian Small Business Tax Filing Tips for 2026
Tax season is fast approaching, and small business owners and self-employed professionals should start preparing now rather than later. Get a rundown of important dates and how to reduce your chances of being audited.
Federal Budget 2025: How Does It Impact Small Businesses in Canada?
Although there are no tax cuts for small businesses, the 2025 federal budget is designed to foster business growth, encourage innovation, and simplify small business owners' access to government initiatives. Here’s what business owners need to know.
Small Business Grants Ontario
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 financing opportunities to help business owners accelerate their growth.
Cybersecurity
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.
7 Cyber Insurance Claims We Saw in 2025
Only 7.6% of Canadian business owners regard a cybersecurity incident as their most significant liability risk, despite more than 53% of businesses having experienced a cyber-attack in 2025. Here are 7 real-life cyber claims our clients’ cyber insurance policies covered to keep them in business.
What Small Businesses Need to Know About Cyber Insurance
Data shows that 62% of Canadian small businesses don’t consider cybersecurity a financial priority, and only 18% have cyber insurance. Here’s why those small businesses need to get serious about cybersecurity.
Startup Tips
How to Become a CrossFit Instructor
A CrossFit coach or instructor is a fitness professional trained to teach, motivate, and supervise individuals or groups performing high-intensity CrossFit workouts. See our guide on how to establish your career as a CrossFit trainer in Canada, and how to protect your finances with liability insurance.
How to Start a Business in British Columbia (B.C.)
Thinking of venturing out on your own and starting a small business in Canada’s westernmost province? This brief guide aims to simplify the process of starting a business in British Columbia (B.C.). Learn what the essential legal requirements are, how to structure your company, and the steps you should take to bring your ambitions to life.
How to Do a Business Name Search in Canada
A memorable business name can create brand awareness, drive customer loyalty and sales, and eventually help you attract the talent you need when it’s time to hire employees. Here are the steps you need to take to register and protect your company’s name.