Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
Will Home Insurance Cover Your Airbnb or VRBO Rental?
Renting your home on Airbnb or VRBO? Your home insurance probably won't cover you. Here's what Canadian short-term rental hosts need to know, and what insurance actually will.
9 Real Summertime Business Insurance Claims in Canada (And How They Were Covered)
Summer brings more customers, more activity – and more risk. Here are 9 real insurance claims our Canadian small business clients made last summer, and exactly how their coverage protected them.
What Is Tools and Equipment Insurance?
Tools and equipment insurance covers portable tools, machinery, and equipment your business owns, rents, leases, or borrows, protecting them if they're lost, stolen, or damaged. Here's what's covered, what's not, what it costs, and who needs it.
How Much Does Landlord Insurance Cost in Canada?
Protecting your rental property and finances from expensive damages and liability claims requires a customized insurance policy that suits your needs and budget. Here’s what every landlord needs to know.
World Cup Watch Parties: Is Your Restaurant or Bar Insurance Ready?
Hosting a World Cup watch party at your restaurant, bar, or pub? There are real liability risks Canadian business owners need to know before kickoff – from liquor liability and crowd injuries to copyright infringement. Here's what coverage you need and how to protect your business through the entire tournament.
Small Business Grants Ontario 2026: 20 Grants and Funding Programs for Small Businesses
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 resources to help business owners accelerate their growth.
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
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.
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.