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 Landscaping Business in Canada (Step-by-Step Guide for 2026)
Learn how to start a landscaping business in Canada, including startup costs, licensing requirements, equipment, pricing, and the insurance coverage most contractors need before booking their first job.
What Insurance Do Online Sellers Need to Protect Against Customer Lawsuits in Canada?
Consumer lawsuits against Canadian online sellers and e-commerce businesses are common (and expensive). If you sell online – even part-time – it’s vital to understand how to protect your business and finances from customer lawsuits and other liability risks.
What Is Installation Floater Insurance in Canada?
What happens if materials are damaged or stolen before you install them? If you transport or store materials on a job site before installation, installation floater insurance can protect your job profit from theft, damage, or loss anywhere in Canada.
Why Clients Ask for a Certificate of Insurance (COI) in Canada – and How to Get One Fast
Learn what a certificate of insurance (COI) is, why Canadian clients require it, and how small business owners, contractors, and independent professionals in Canada can get a COI fast – often within 24 hours.
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.
What Type of Insurance Does a House Cleaner in Canada Need? (Coverage Explained)
House cleaners provide an essential service to Canadian households, but even small accidents can lead to costly claims. Here’s the insurance coverage professional house cleaners in Canada need to protect their businesses and income.
Small Business Tips
Canadian Small Business Tax Filing Tips for 2026
Tax season is fast approaching, and small business owners and self-employed professionals should start preparing now rather than later. Get a rundown of important dates and how to reduce your chances of being audited.
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.
5 Businesses You Can Start With Less Than $1,000 in 2026
In the digital economy, launching a business is increasingly accessible. Depending on the venture, you no longer need substantial startup capital or commitments like a commercial property lease. Here are five low-cost ideas to consider to start your business in 2026.
Insurance
Why Do Insurers Ask for Your Small Business Revenue?
When you apply for business insurance in Canada, insurers often ask about your company’s annual and projected revenue. Here’s why they need this information, how to figure out your numbers, and why it’s important to be accurate.
Arborist Liability Insurance in Canada: What Coverage Do Tree Care Businesses Need?
Chainsaws. Heights. Heavy equipment. Tree work isn’t low-risk and neither are the financial consequences. Arborists and tree care professionals do dangerous work. Don’t go out on a limb and offer your services without insurance. Here’s what every tree care business owner should know before stepping onto a job site.
Commercial Auto Insurance vs Personal Auto Insurance: What’s the Difference?
If you use your vehicle for work in Canada, you need commercial auto insurance. Personal auto insurance usually won’t cover accidents that happen during business use. Learn the key differences, legal requirements, and how to get the right commercial vehicle insurance coverage for your business.
Financial Business Tips
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.
Canadian Small Business Tax Filing Tips for 2026
Tax season is fast approaching, and small business owners and self-employed professionals should start preparing now rather than later. Get a rundown of important dates and how to reduce your chances of being audited.
Federal Budget 2025: How Does It Impact Small Businesses in Canada?
Although there are no tax cuts for small businesses, the 2025 federal budget is designed to foster business growth, encourage innovation, and simplify small business owners' access to government initiatives. Here’s what business owners need to know.
Cybersecurity
What Small Businesses Need to Know About Cyber Insurance
Data shows that 62% of Canadian small businesses don’t consider cybersecurity a financial priority, and only 18% have cyber insurance. Here’s why those small businesses need to get serious about cybersecurity.
How to Do a Business Name Search in Canada
A memorable business name can create brand awareness, drive customer loyalty and sales, and eventually help you attract the talent you need when it’s time to hire employees. Here are the steps you need to take to register and protect your company’s name.
Does Cyber Insurance Cover AI-Generated Cybercrime?
Artificial intelligence (AI) is creating faster-paced, more effective, larger-scale cyber-attacks. Explore ways businesses can defend themselves and learn how cyber insurance helps recovery if your business is attacked.
Startup Tips
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.
How to Do a Business Name Search in Canada
A memorable business name can create brand awareness, drive customer loyalty and sales, and eventually help you attract the talent you need when it’s time to hire employees. Here are the steps you need to take to register and protect your company’s name.