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 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.
What Is a Deductible in Small Business Insurance? (Definition, Examples & How It Works)
A deductible is the amount your small business pays out of pocket when you file an insurance claim. Understanding how deductibles work can help you lower premiums, avoid surprises, and choose the right coverage.
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.
What Happens If Your Small Business Gets Sued in Canada?
Being sued as a small business owner can be financially and emotionally overwhelming. Legal defence costs can quickly climb into the tens of thousands of dollars. This article explains what happens when your business is sued, how business liability insurance can help cover legal fees, and how to reduce your risk of being sued in the first place.
8 Real Business Insurance Claims Canadian Small Businesses Filed in 2025
Accidents, mistakes, theft, and bad luck don’t discriminate. Here are 8 real business insurance claims small business owners in Canada filed in 2025 – and how the right coverage helped them recover fast and keep moving forward.
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.
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
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.
What Is Hired and Non-Owned Commercial Auto Insurance?
If your business rents or leases vehicles, or if employees use their own cars for work, hired and non-owned commercial auto insurance can help protect your business from costly accidents and liability claims. Here’s what Canadian business owners need to know.
What Is a Deductible in Small Business Insurance? (Definition, Examples & How It Works)
A deductible is the amount your small business pays out of pocket when you file an insurance claim. Understanding how deductibles work can help you lower premiums, avoid surprises, and choose the right coverage.
Financial 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.
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.
Small Business Grants Ontario
Securing funding is essential for the innovation and growth of all small businesses and startups. This guide outlines 20 small business grants available in Ontario and Canada, along with other financing opportunities to help business owners accelerate their growth.
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 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.
How to Become a Life Coach in Canada (in 7 Steps)
If you’re thinking of becoming a life coach, consider your strengths and passions to help pick an area of expertise. But being a life coach also means you need to think like a business owner.
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.