Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
Contractor vs Subcontractor: Understanding Liability and Insurance
It can be confusing to understand the specific risks contractors and subcontractors face during construction projects. Get a straightforward understanding of what's at stake and the types of insurance these professionals require.
10 Common Summertime Business Insurance Claims in Canada
Summer can bring a surge in unexpected risks for small businesses – from property damage to equipment breakdowns. See how we helped real clients tackle 10 common seasonal claims and stay open for business.
Under the Table = Underinsured: The Moral Hazard Every Contractor Should Know
Doing work “under the table” – unreported, off-the-books work done in cash to avoid taxes and legal obligations – poses significant risks to contractors, including rejected insurance claims.
Smash-and-Grab Thefts: How to Safeguard Your Retail Business
How can Canadian retailers defend their properties and inventories and enhance security when robberies and theft are rising? See our recommendations for upping retail store security and having the right insurance to recover from such events.
6 Ways Maintenance Helps Reduce Liability Risks for Landlords
Smart landlords know that risk management hinges on regular maintenance. A well-maintained property is safer, more valuable, and less likely to trigger costly liability claims. Here are six ways for landlords to prevent problems and protect their properties.
What You Need to Know About Self-Employed Insurance
Many self-employed Canadians (70% according to our poll) lack business insurance, leaving their finances vulnerable to work-related risks and liabilities. Discover how business insurance can offer essential protection for independent professionals.
Small Business Tips
5 Reasons Why Summer Is the Perfect Time to Review Your Business Insurance
The midpoint of the year is ideal to review your insurance coverage and consider if it’s adequate to cover how your business has changed or will change in the months ahead. Here are five reasons to review your policy (and how Zensurance can help).
14 Safety Tips for Commercial Roofers
Roofing companies are obligated to ensure the risk of accidents or injuries to workers and third parties is minimized to the greatest extent possible. See our safety tips for roofers to prevent injuries and property damage.
Survey: A Shocking Majority of Canadians Would Sue a Small Business
A new survey of Canadian consumers finds the legal risks confronting small business owners are on the rise, potentially threatening self-employed professionals' and business owners’ financial well-being. Here’s how you can protect your business.
Insurance
Workers’ Compensation vs Employers’ Liability Insurance: What’s the Difference?
You may wonder if employers’ liability insurance is the same as workers’ compensation insurance. Technically, the answer is ‘no’. However, these two insurance types are designed to complement each other. Here’s what you need to know.
Back to School: 7 Reasons Why Tutors and Teachers Need Insurance
As a new school year begins, it’s not just lesson plans that need reviewing – your protection does, too. From liability claims to unexpected accidents, educators face real risks. Here’s what tutors and educators need to know to stay focused on what they do best: teaching.
Survey: Small Businesses Feel the Squeeze as Economic Pressures Mount
Tariffs, inflation, and shifting economic winds are hitting small businesses hard. According to the fourth annual Zensurance Small Business Confidence Index, 62% of owners say today’s economic climate is hurting their operations. Here’s what else is keeping them up at night.