Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
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5 Types of Insurance to Consider for Your Mobile Business
Travelling to and from customer locations and job sites poses unique liability risks for business owners and independent professionals. Find out how mobile business insurance can address those risks.
How to Protect Your Point-Of-Sale (POS) System From Fraud
Businesses utilizing point-of-sale (POS) terminals and software for financial transactions are susceptible to fraudulent activity. See our tips for preventing POS fraud and get an overview of the types of insurance that can cover your losses if it happens to your company.
8 Ways to Protect Your Home-Based Business
Thousands of Canadian entrepreneurs do what they do from their residential dwellings. However, even home-based business owners need to consider damage and liability risks. See our tips for minimizing these threats.
What Is Course of Construction (COC) Insurance?
It’s not uncommon for contractors to wonder if they need course of construction (COC), builders’ risk, or contractors’ all-risk insurance. Get a clear explanation and quick overview of what this vital protection provides builders, renovators, and property owners.
Does Your Business Need Automotive Garage Insurance?
When a customer visits your automotive shop and entrusts their car, SUV, or truck to you for service or repair, they expect you to treat their vehicle carefully. But that doesn’t mean accidents or mistakes won’t happen. Here’s how insurance can help when things go wrong.
How to Protect Your Business or Profession From Negligence Claims
No business owner or independent professional wants to be accused of professional negligence, but it happens. See our tips for avoiding this situation and how insurance can help if you receive a negligence claim or are subject to a lawsuit.
Small Business Tips
10 Tips to Get Your Vacation Rental Property Ready for the Summer
Vacation rental property owners across Canada are eager to attract vacationers to their properties. Before summer gets underway, see our tips for sprucing up your property and ensuring you’ve got the right insurance to cover unexpected damages that may crop up.
Tornado Season 2024: What Small Businesses Need to Know
It's estimated that 86 tornadoes touched down in Canada in 2023. See our tips for how business property owners can prepare and minimize damage to their properties from a tornado and other severe windstorms.
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
Summer Rush: Preparing Your Business for Increased Foot Traffic
Summer’s here, and the time is right to ensure your small business is ready for an influx of customers. See our tips for preventing accidents and third-party injuries on your property and how insurance can help if you face a claim against you.
5 Ways Professional Cleaners Can Avoid Liability Claims
Protecting your finances and reputation with a customized professional cleaner insurance policy is essential whether your cleaning business serves residential, commercial clients, or both. Here’s why.
Do Personal Trainers Need to Have Insurance?
Fitness trainers and instructors working with individuals to help improve their physical health and achieve their fitness goals raise the possibility of injuries to clients and other liability risks. Here’s what every personal trainer should know.
Financial Business Tips
10 Business Insurance Claims We Saw in 2023
For some professionals or business owners, buying business insurance is a legal or regulatory requirement. For others, it is not. Either way, it’s wise to do so. Here are 10 real-life reasons why you should.
Will the Bank of Canada Cut Interest Rates in 2024?
The Canadian central bank’s first interest rate decision and announcement of 2024 is hotly anticipated. Will the Bank of Canada announce an interest rate hike, cut, or will it hold its rate steady? Here’s how each possibility may affect small businesses.
8 Tax Filing Tips for Sole Proprietors
The deadline for Canadian sole proprietors to file tax returns is fast approaching. Find out when your return is due and how sole proprietors can reduce their tax bills.
Cybersecurity
How to Protect Your Business on Black Friday and Cyber Monday 2023
The opportunity Black Friday, Cyber Monday, and the holiday season present also poses considerable liability risks for any small business or independent seller angling to get in on the action. Here’s what to watch for and how to protect your company and finances.
What Is Cyber Insurance?
A majority of Canadians (88%) say they've experienced an increase in attempts to defraud them, and 63% of business owners admit their cybersecurity budget is less than 10% of their IT budgets. Small business owners should take action as more sophisticated threats emerge. Here’s how cyber liability insurance can help.
10 Cybersecurity Tips for Small Businesses
October is Cybersecurity Awareness Month in Canada. Ransomware attacks are among the most common cybersecurity incidents Canadian small businesses face, but there are many others. Here are ways you can fight back.
Startup Tips
9 Steps to Starting a Home Renovation Business
With the economic headwinds Canada is currently facing, you might think the demand for home renovation projects is waning. Data suggests otherwise. Here are the steps to take to get your home renovation business up and running.
How to Become a General Contractor
Starting a general contracting business is a rewarding and exhilarating entrepreneurial venture. A general contractor wears many hats, and is often held accountable for every aspect of a building project. Here’s what you need to know to get started.
How to Start a Tutoring Business in Canada
Tutoring is a private and supplementary method of academic instruction and support. The expectation is tutors have exhaustive knowledge or demonstrated expertise in their subjects of focus. Here’s what to know to start your tutoring business.