Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
9 Reasons Why Massage Therapists Need Insurance
Your premium depends on how you practise. Here’s what Canadian RMTs typically pay for coverage, what your provincial college requires, and how to pay less without leaving gaps.
8 Things That Are Scarier Than Halloween (For Business Owners)
Ghost stories and haunted houses are all in good fun. What should genuinely frighten Canadian small business owners? Lawsuits, cyberattacks, and running a business with no coverage at all. Here are eight real-life scares – and how the right business insurance makes each one less scary.
What Insurance Do Real Estate Property Managers in Canada Need?
You run the building. You don't own it. That gap is exactly where the owner's insurance stops and your liability starts. Here’s what residential and commercial property managers need to know about protecting their livelihoods.
Franchise Insurance Requirements in Canada: What Your Franchise Agreement Requires
Your franchise agreement spells out the coverage you must carry before opening day. Here’s what each clause means, what it costs in Canada, and how to get your certificate in hand fast.
What Is Commercial General Liability (CGL) Insurance? A Guide for Canadian Small Businesses
A customer trips at your front door. A job goes sideways and floods a client's basement. Here's how commercial general liability (CGL) insurance protects your business from claims like these, what it costs, and how to get covered in minutes.
Workers’ Compensation vs Employers’ Liability Insurance: What’s the Difference?
Workers' comp and employers' liability insurance both deal with workplace injuries, but they're not interchangeable. Here's how each one works, who needs it, and why many Canadian small businesses carry both.
Small Business Tips
Winter-Proofing Your Commercial Property: 10 Steps to Take Before the First Freeze
Don't let winter put your business property at risk. A few hours of prep in the fall can save you a five-figure repair bill in January. Here are 10 ways Canadian small business owners can safeguard their commercial property this season, and how commercial property insurance covers what prevention can't.
How to Write a Snow Removal Contract in Canada
Snow removal contracts do more than lock in the work. They define your scope, spell out who's liable, and get you paid on time. Here's what to include in your commercial and residential snow removal contracts before the first flake falls.
Small Business Month in Canada 2026: Resources, Grants, and Support for Owners
October is Small Business Month in Canada – a full month of free training, funding deadlines, and networking events packed into four weeks. Here's a practical list of learning resources, grants, and financing options to help your small business or startup grow, plus one step most owners skip.
Insurance
How to Protect Your Retail Business on Black Friday and Cyber Monday
Canadians are spending less this holiday season and packing it into four days. For retailers and online sellers, that means thinner margins with more riding on Black Friday and Cyber Monday. Here's what can go wrong across the holiday shopping season, and the insurance coverage that protects what you earn.
Does Your Canadian SaaS Company Need Tech Errors and Omissions Insurance?
Tech E&O insurance protects Canadian SaaS companies when a bug or bad data costs a client money. What it covers, what it costs and how to get a free quote.
9 Reasons Why Massage Therapists Need Insurance
Your premium depends on how you practise. Here’s what Canadian RMTs typically pay for coverage, what your provincial college requires, and how to pay less without leaving gaps.
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
What Small Businesses Need to Know About Cyber Insurance
Data shows that 48% of Canadian small businesses have implemented any form of cyber defence, and only 22% have cyber insurance. Here's why it's time to get serious about protecting your business from cyber threats.
What Should You Do If Your Small Business Has a Data Breach?
Small businesses in Canada are prime targets for cyberattacks and data breaches. Here's exactly what to do in the first 24 hours if your business is hit by a data breach, and how cyber liability insurance can help you recover quickly.
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.
Startup Tips
How to Become a First-Time Landlord in Canada (2026 Guide)
A step-by-step guide to becoming a landlord in Canada. Learn landlord responsibilities, tenant screening tips, and how landlord insurance protects rental properties.
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.
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.