Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
Do Consultants in Canada Need Liability Insurance?
One misread recommendation or a project that falls short of a client's expectations can trigger a negligence claim or an expensive lawsuit. Here's how the right insurance protects your consulting business, your finances, and your reputation.
Zensurance Small Business Grant 2026: Meet Our $10,000 and $1,000 Recipients
Meet the Canadian small business owners taking home our two $10,000 grants – plus eight more finalists who each receive $1,000. Here's their advice for other owners, and why they say insurance is a vital investment in their future.
Commercial Auto Insurance in Canada: The Complete Guide for Business Owners
Driving for work in Canada? Most personal car insurance won't cover accidents or damage when you're using your vehicle for business. Here's why you need commercial auto insurance.
What Do Changes to Commercial Auto Insurance in Ontario Mean for Your Business?
Ontario is making several accident benefits optional in commercial auto insurance policies starting July 1, 2026. Here's what's changing, who's most at risk if they opt out, and what you should do before your policy renews.
Landlord Insurance in Canada: What It Covers and Why You Need It
Your standard home insurance policy probably doesn't cover your rental property, and that gap can cost you thousands. Here's exactly what landlord insurance covers, what it doesn't, and how to make sure you're protected.
When Can the Canada Revenue Agency (CRA) Audit Your Small Business?
Every business owner hopes they won’t experience a CRA audit, but it’s important to be prepared to deal with one all the same. This guide explains what happens during a CRA audit or investigation, what your rights and responsibilities are, and the insurance that helps manage the cost of legal representation for an audit.
Small 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.
How Canadian Small Businesses Can Use Artificial Intelligence (AI) to Increase Sales and Revenue
Using AI effectively can help Canadian small businesses attract more customers, increase sales, and improve customer service, often without new hires or large budgets. Many business owners are already using AI without realizing it. This guide explains how to start small, stay focused, and grow results in five practical steps.
5 Trends for 2026 Every Small Business Owner Should Know
See what’s hot for the year ahead with these five trends that Canadian small business owners and independent professionals should have on their radar in 2026, and how they can work them into their strategies.
Insurance
Self-Employed Insurance in Canada: Coverage Every Freelancer and Solopreneur Needs
70% of self-employed Canadians have no business insurance, leaving them one lawsuit away from financial ruin. Getting covered is easier and more affordable than most self-employed professionals realize. Here's what you need to know.
What Is a Certificate of Insurance (COI)?
A certificate of insurance (COI) is a one-page document issued by your insurer or broker that proves your business is insured. It summarizes your active coverages, policy limits, expiry date, and other key details, so clients, landlords, and partners can confirm you're covered before they agree to work with you.
10-Step Checklist for Starting a Small Business in Canada
Ready to launch your business? Follow this 10-step checklist for starting a small business in Canada – from legal registration to getting insured.
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
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.
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.
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.