Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
Snow Removal Insurance: What You Need to Know (Winter 2026-27 Guide)
Snow removal insurance is hard to get and easy to leave too late. Here's what coverage you need, what it costs, and why Canadian contractors should lock in a policy before insurers hit capacity this fall.
14 Reasons Why You Need Home-Based Business Insurance in Canada
Home-based businesses face the same liability risks every other small business does – and your home insurance policy won't cover them. Here are 14 reasons home-based business insurance is essential, plus how to reduce the risks you face.
What Is Care, Custody, and Control in Insurance?
A care, custody, and control exclusion means your insurance won't pay for someone else's property when it's damaged in your hands. Here's how it works, and how to cover the gap.
Renting to Students: A Canadian Landlord’s Guide
Thousands of students are hunting for off-campus housing right now – and that makes late summer the busiest stretch of the year for landlords. Here's how to prepare your rental property, screen student tenants, set lease terms that hold up, and protect yourself from the liability risks that come with the territory.
9 Insurance Risks Gyms and Fitness Centres in Canada Face
Gyms and fitness centres face injury claims, equipment breakdowns, harassment allegations, and cyberattacks. Here are the nine most common risks – and the gym and fitness centre insurance coverages that protect your finances when something goes wrong.
Survey: 61% of Canadian Small Businesses Are Uninsured. Most Say They Don’t Need It
We surveyed 1,000 business owners across the country to take the temperature of Canadian small businesses in 2026. What came back is a portrait of people who are tougher than the economy gives them credit for, and far more exposed than they realize. Here's what the data says.
Small Business Tips
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.
Zensurance $10,000 Business Grant Recipient: Next Level Property Management
Meet the recipients of our $10,000 grant and five $1,000 grants! We chatted with these business owners to get their best advice for other entrepreneurs, plus why they think insurance is a must-have for keeping a business’s finances secure.
Zensurance $25,000 Business Grant Recipient: Sol & Sage Yoga
We are thrilled to announce the recipient of our $25,000 grant and recipients of our five $1,000 grants! Read on to learn valuable advice from these business owners for other entrepreneurs, and to discover why they consider insurance a crucial element of their financial stability.
Insurance
10 Insurance Gaps Most Small Businesses Miss (And How to Fix Them)
Ensuring your business is fully covered can be a challenge. Here are 10 common insurance gaps small business owners might miss and what to do to address them to ensure you’re adequately protected.
Moving Company Insurance in Canada: What Coverage Do You Need?
Late summer and fall are peak season for Canadian moving companies – university turnovers, families relocating between school years, and summer real estate closings all land in the same few weeks. Protecting customers' belongings in transit and in storage takes a commercial policy built for movers, not a generic business package. Here's what yours should include.
Snow Removal Insurance: What You Need to Know (Winter 2026-27 Guide)
Snow removal insurance is hard to get and easy to leave too late. Here's what coverage you need, what it costs, and why Canadian contractors should lock in a policy before insurers hit capacity this fall.
Financial Business Tips
8 Tax-Filing Tips for Sole Proprietors in Canada (2026 Tax Year Guide)
Tax season is approaching for sole proprietors and self-employed Canadians. This 2026 guide explains key deadlines, required forms, and practical tips to help you file correctly.
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.
Zensurance $25,000 Business Grant Recipient: Sol & Sage Yoga
We are thrilled to announce the recipient of our $25,000 grant and recipients of our five $1,000 grants! Read on to learn valuable advice from these business owners for other entrepreneurs, and to discover why they consider insurance a crucial element of their financial stability.
Cybersecurity
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 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.
Startup Tips
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.
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.