Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
What Liability Insurance Does a SaaS Business in Canada Need?
Software-as-a-Service (SaaS) companies in Canada face unique risks from outages and customer claims to cyber incidents and contract disputes. Here’s what liability insurance may help protect your software business.
Why Contractors in Canada Need Year-Round Business Insurance (And Why Seasonal Coverage Costs More)
Thinking about cancelling or pausing your contractor insurance after your busy season? It could cost you more than you save. Here are 6 reasons why annual business insurance is the smarter, more affordable choice for contractors and tradespeople in Canada.
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.
Is My Business Too Small to Need Liability Insurance? (Why Size Doesn’t Eliminate Risk)
Think your business is too small for liability insurance? Sole proprietors, freelancers, and micro-businesses in Canada can still face lawsuits, accidental damage claims, and costly legal bills. Here’s when small business liability insurance makes sense, what it covers, and why size doesn’t eliminate risk.
What Is Course of Construction (COC) Insurance in Canada? Coverage, Cost, and Builders’ Risk Explained
Course of Construction (COC) insurance, also known as builders' risk insurance, protects a building, its materials, and certain project property during construction, installation, or renovation. This guide explains what it covers, what it excludes, how it compares to other policies, and what affects its cost.
Life Sciences Business Insurance in Canada: What Coverage Do Startups and Small Businesses Need?
A practical guide to the types of insurance coverage life sciences startups and research companies in Canada may need, including liability protection for biotech, medtech, and laboratory businesses.
Small Business Tips
15 Tips to Get Your Vacation Rental Property Ready for the Summer
Vacation rental property owners across Canada are eager to attract vacationers to their properties. Before summer gets underway, see our tips for sprucing up your property and ensuring you’ve got the right insurance to cover unexpected damages that may crop up.
Zensurance Business Grant Winner 2025: SnuggleTooth Smile Mobile
We're excited to introduce the winners of our $10,000 and $1,000 small business grants! Learn from their valuable advice for fellow business owners and entrepreneurs, and discover why they consider insurance a cornerstone of their financial well-being.
7 Unusual Business Insurance Claims
Running a business comes with its fair share of surprises – some stranger than others. The good news? Insurance covers incidents and accidents even when the unexpected really gets weird. Check out these seven unusual claims we’ve covered.
Insurance
Will Home Insurance Cover Your Airbnb or VRBO Rental?
Renting your home on Airbnb or VRBO? Your home insurance probably won't cover you. Here's what Canadian short-term rental hosts need to know, and what insurance actually will.
9 Real Summertime Business Insurance Claims in Canada (And How They Were Covered)
Summer brings more customers, more activity – and more risk. Here are 9 real insurance claims our Canadian small business clients made last summer, and exactly how their coverage protected them.
What Is Tools and Equipment Insurance?
Tools and equipment insurance covers portable tools, machinery, and equipment your business owns, rents, leases, or borrows, protecting them if they're lost, stolen, or damaged. Here's what's covered, what's not, what it costs, and who needs it.
Financial Business Tips
10 Accounting Tips for Small Business Owners
Save time and money, keep your books balanced, and avoid run-ins with the Canada Revenue Agency with these 10 tips to manage your business’s finances.
Cybersecurity
4 Critical Steps to Reducing Your Business Cybersecurity Risk
A good business insurance provider will give you a competitive cyber liability insurance quote. A great insurance
How To Keep Your Business Safe As You Digitize It
More Canadian business owners embrace “brick-and-mortar PLUS digital” allowing them to deliver a more attractive shopping experience, offering convenience,
Startup Tips
Guide: Risk Analysis and Management for Startups
Statistically, most startups will fail. Don’t be one of them. Doing a comprehensive risk assessment is a crucial step in de-risking a startup. Here’s what you should do.
How to Sell Anything at a Farmers’ Market
Farmers’ markets offer several benefits to both communities and consumers. As a vendor, being profitable means understanding the business expenses. Get an overview of what you need to consider if you fancy selling goods at a farmers’ market.
How to Start an Electrician Business in Canada
It’s estimated Canada will need thousands of new electricians within 10 years. That makes pursuing a career as an electrician or starting your own business in the trade ideal.