Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
8 Things That Are Scarier Than Halloween (For Business Owners)
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.
Garage Liability vs. Garage Keepers Insurance: Which Does Your Auto Shop Need?
Protecting your auto shop business, reputation, and financial well-being hinges on having the right insurance coverage. But does your shop need garage liability insurance, garage keepers insurance, or both? We’ve got the answers you need to this common question.
Are Temporary or Seasonal Workers Putting Your Small Biz at Risk?
Hiring temporary or seasonal workers to help your small business serve its customers during peak seasons is common and helps boost the economy. But there are liability implications for business owners who do. Here’s what you 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.
10 Costly Myths About Liability Insurance Canadian Small Businesses Must Know
Did you know that 62% of Canadian small businesses operate without liability insurance? Many owners assume they’re “too small” or “they have no risk.” These misconceptions put them at risk of lawsuits, financial loss, and even closure. We’ll debunk the 10 most common myths about liability insurance in Canada and explain why coverage is crucial for business owners and independent professionals.
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.
Small Business Tips
7 Online Retailer Risks in Canada Liability Insurance Can Cover
Canadian e-commerce businesses face increasing liability threats, including cybercrime, product lawsuits, fraud, and reputational damage. Find out what common liability risks online businesses face and how liability insurance can help when things go wrong.
Celebrating Small Business Month Canada 2025
October is Small Business Month in Canada, a celebration encapsulating the heart and soul of our country’s entrepreneurial spirit. See our list of learning and financing resources to help your small business or startup thrive and grow.
Fire Prevention Week 2025: How to Protect Your Small Business From Fires
October 5 to 11 is Fire Prevention Week in Canada. See our tips and resources for minimizing the risk of fire on your commercial property and how business insurance can help your company recover following a fire.
Insurance
10 Holiday Retail Planning Tips for Small Businesses in Canada
As the holiday season approaches, retailers and online sellers must be prepared to meet the growing demand from cost-conscious shoppers. See our tips for preparing for the festive season and how to protect your finances while growing your bottom line.
8 Things That Are Scarier Than Halloween (For Business Owners)
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.
Garage Liability vs. Garage Keepers Insurance: Which Does Your Auto Shop Need?
Protecting your auto shop business, reputation, and financial well-being hinges on having the right insurance coverage. But does your shop need garage liability insurance, garage keepers insurance, or both? We’ve got the answers you need to this common question.
Financial Business Tips
Trump Tariffs: How Canadian Small Businesses Can Prepare
Canada’s economy is deeply intertwined with the American economy. If the Trump administration imposes a 25% tariff on all Canadian imports, Canada’s economy and small business community could be dramatically affected. Here’s what to know.
8 Tax Filing Tips for Sole Proprietors
The deadline for Canadian sole proprietors and self-employed professionals to file tax returns in 2025 is fast approaching. These professionals are solely responsible for filing and paying their taxes on time. Find out when your return is due and how sole proprietors can reduce their tax bills.
10 Financial Planning Tips for Small Businesses in 2025
Making informed decisions, dealing with unforeseen challenges, and positioning your business for sustained growth requires planning. See our financial planning tips to help your small business grow and thrive in 2025.
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.
10 Cybersecurity Risks to Small Businesses in 2025
Cyber-related threats and attacks on businesses are constantly evolving. Cyber insurance is a crucial component of any business insurance policy, but so is being aware of the threats that could imperil your business. Here are 10 cyber risks to watch out for this year.
Startup Tips
How to Start an Amazon Business in Canada (in 5 Easy Steps)
Are you missing out on Amazon.ca? With millions of Canadians using it daily, it's the top platform for growing your retail business or launching a journey as an independent seller. Learn how to get started, what it takes to succeed, and how to protect yourself with insurance in our comprehensive guide.
How to Become a Personal Trainer in Canada
If you're serious about becoming an accredited personal trainer, it's essential to understand the different certification pathways, the types of roles available, and how to protect your finances from day one. Read our guide on how to get started in this dynamic career.
Starting a Food Truck Business? Here’s What You Should Know
Thinking about hitting the streets with your own food truck? Learn exactly what it takes – from writing a solid business plan to handling startup costs, permits, and insurance. See our tips to fuel your success and steer clear of common mistakes.