Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
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.
What Is a Deductible in Small Business Insurance? (Definition, Examples & How It Works)
A deductible is the amount your small business pays out of pocket when you file an insurance claim. Understanding how deductibles work can help you lower premiums, avoid surprises, and choose the right coverage.
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 Happens If Your Small Business Gets Sued in Canada?
Being sued as a small business owner can be financially and emotionally overwhelming. Legal defence costs can quickly climb into the tens of thousands of dollars. This article explains what happens when your business is sued, how business liability insurance can help cover legal fees, and how to reduce your risk of being sued in the first place.
8 Real Business Insurance Claims Canadian Small Businesses Filed in 2025
Accidents, mistakes, theft, and bad luck don’t discriminate. Here are 8 real business insurance claims small business owners in Canada filed in 2025 – and how the right coverage helped them recover fast and keep moving forward.
15 Business Grants and Loans for Women in Canada (2026 Guide)
The Zensurance Small Business Grant is one of many options for Canadian women entrepreneurs and startups led by women that are available to help them grow their businesses. See our list of grants and loans to pursue.
Small Business Tips
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.
10 Tips for Preparing Your Business Vehicle for Spring and Avoiding Accidents
Springtime gets people moving. They want to be out and about to enjoy the sunshine and mild temperatures. That means more pedestrians, cyclists, and motorcycles on the road. See our tips for preparing your vehicle for warmer weather and avoiding collisions.
Insurance
Working Outside Your Province? Here’s What Your Malpractice Insurance Actually Covers
Working in another province? Your malpractice insurance may not follow you, so don’t assume that it does. Here's what Canadian wellness and beauty pros need to know before crossing provincial borders.
Hot Torch Roofing Insurance: What You Need – and What Could Cost You If You Don’t Have It
Torch-down roofing is one of the riskiest trades in the industry, and one accidental fire can wipe out your business. Here's what your insurance policy needs to cover, and how to get it without overpaying.
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.
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.