Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
When Does a Holiday Gift Become a Tool of Your Trade?
It’s wise to talk to your broker and ask for an annual review of your policy as your business grows. Regardless of your profession, don’t forget to protect any new items you receive this holiday season you will use to do your job.
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.
How to Protect Your Business on Black Friday and Cyber Monday 2024
The opportunity Black Friday, Cyber Monday, and the holiday season present also poses considerable liability risks for any small business or independent seller angling to get in on the action. Here’s what to watch for and how to protect your company and finances.
Holiday Readiness: Essential Insurance Tips for Retailers
Retailers are ramping up for the most wonderful time of the year: the holiday shopping season. Now’s the time to check your liability insurance to ensure you’re adequately covered for accidents or incidents that could devastate your bottom line. Here’s what to know.
How Does Business Interruption Insurance Help Restaurants?
Business interruption insurance helps restaurant owners deal with forced closures following an insurable loss, like a fire that destroys their properties. Here’s why your eatery needs it and what it covers and doesn’t.
8 Things That Are Scarier Than Halloween
Halloween and ghost stories that send shivers down your spine are fun, but many things are far more frightening for small business owners. See our list of things that can spook business owners way more and how the right insurance can put those fears to rest.
Small Business Tips
Shipping on the Cheap: 7 Ways to Reduce Your Shipping Costs
There’s no such thing as ‘free shipping’. You either pass on the cost to the consumer and your profits take a hit or absorb them and it takes a big bite out of your earnings. Here’s how to find a better balance.
Understanding AI Hallucinations and 8 Ways to Mitigate Them
When artificial intelligence (AI) chatbots don’t have the information they need to answer a question correctly, they make it up. Called ‘hallucinations’, here are ways to try to mitigate that from happening.
How to Write a Small Business Plan
If you want to start your own business, your first step is drafting a comprehensive business plan. Read our in-depth guide on what you need to do to get started.
Insurance
Named, Specified, or All-Risk Perils: Which One Is Right for Your Business Insurance?
When exploring options to protect your business with insurance, it’s vital to know the details of a policy. Understanding the differences between the types of perils a policy covers is critical. Get a breakdown of what named, specific, and all-risk perils-based insurance is.
10 Reasons Why You Need a Builder’s Risk Insurance Policy
Also known as course of construction insurance, a builder’s risk policy is a form of property insurance that protects contractors from the beginning to the end of their projects.
21 Business Insurance Terms to Know
A business insurance policy – its coverages, limits, and exclusions – can be difficult to understand. When buying or renewing a policy, get a quick and straightforward rundown of the commercial insurance terms you need to understand.
