Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
Garage Liability vs. Garage Keepers Insurance: Which Does Your Auto Shop Need?
Protecting your auto shop business, reputation, and financial well-being hinges on having the right insurance coverage. But does your shop need garage liability insurance, garage keepers insurance, or both? We’ve got the answers you need to this common question.
Are Temporary or Seasonal Workers Putting Your Small Biz at Risk?
Hiring temporary or seasonal workers to help your small business serve its customers during peak seasons is common and helps boost the economy. But there are liability implications for business owners who do. Here’s what you need to know.
What Is Smishing? How Text Scam Attacks Work & How to Stop Them
Smishing is growing due to artificial intelligence (AI) tools that create realistic text scams. Learn how to recognize smishing messages, protect your small business from attacks, and how cyber liability insurance can help your company after an attack.
10 Costly Myths About Liability Insurance Canadian Small Businesses Must Know
Did you know that 62% of Canadian small businesses operate without liability insurance? Many owners assume they’re “too small” or “they have no risk.” These misconceptions put them at risk of lawsuits, financial loss, and even closure. We’ll debunk the 10 most common myths about liability insurance in Canada and explain why coverage is crucial for business owners and independent professionals.
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.
7 Online Retailer Risks in Canada Liability Insurance Can Cover
Canadian e-commerce businesses face increasing liability threats, including cybercrime, product lawsuits, fraud, and reputational damage. Find out what common liability risks online businesses face and how liability insurance can help when things go wrong.
Small Business Tips
How to Build an Effective E-Commerce Marketing Strategy
From growing and tracking your customer base and increasing reach and revenue to keeping your operating costs low, e-commerce holds multiple benefits and advantages for any new or existing venture. Read our guide on launching your e-commerce business.
How to Become a Chartered Professional Accountant (CPA) in Canada
Becoming a CPA in Canada takes time and effort and prepares you for a rewarding career with unlimited potential. Read our guide on the steps you need to take to earn a CPA designation.
How to Become a Yoga Instructor in Canada
New yoga practitioners have plenty of opportunities to start their practices. Explore the requirements to become a certified yoga instructor in Canada and the steps you need to take to get there.
Insurance
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.
When Do I Need Liability Insurance for My Small Business in Canada?
Starting or running a small business in Canada? Liability insurance feels like something you deal with later – but waiting can be risky. From sole proprietors to growing companies, here’s when liability coverage becomes essential.
Do I Really Need Liability Insurance for My Small Business in Canada? (Even If I’m Low Risk?)
All small businesses in Canada face some level of liability risk – even home-based, online, or one-person businesses. Without liability insurance, you may have to pay for losses, damages, or legal defence costs, settlements, and court-awarded damages out of pocket.