Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
Product Liability Insurance: Why Retailers and Online Sellers Can’t Afford to Go Without It
For retailers, online sellers, e-commerce companies and other enterprises, product liability claims and lawsuits could spell the end of their businesses. Here’s how product liability insurance can protect your finances.
Malpractice Insurance for Mental Health Professionals: What You Need to Know
Mental health and wellness practitioners who strive to help people overcome their challenges and live healthier lives face many significant pitfalls that could upend their careers and reputations. Here’s how these professionals can protect themselves.
Trump Tariffs: How Canadian Small Businesses Can Prepare
Canada’s economy is deeply intertwined with the American economy. If the Trump administration imposes a 25% tariff on all Canadian imports, Canada’s economy and small business community could be dramatically affected. Here’s what to know.
How to Get a General Contractors License in Ontario
General contractors coordinate all aspects of construction and renovation projects, ensuring each job meets high-quality standards and adheres to safety and building codes. Learn the steps for getting the contractor licensing you need in Ontario.
Why Small Businesses Should Consider Commercial Crime Insurance
An estimated 45% of small businesses in Canada were directly affected by crime and safety-related issues in 2024, and theft was one of the most common issues they faced. Theft takes many forms and can be internal. Here’s how commercial crime insurance may help.
New Year, New Coverage: Why Small Businesses Should Review Their Insurance Policies
Insurance policies are typically one-year contracts with your insurer that must be renewed yearly. January provides an opportunity to ensure your coverages align with how your business has changed or may change in the coming months.
Small Business Tips
How to Reduce Job Applicant Ghosting in a Tight Labour Market
Small businesses can’t afford to be waiting for applicants who will never arrive, or worse yet, people who get hired only to not show up for their first shift. Here’s how you can prevent applicants from “ghosting” you.
8 Ways to Make Smart Small Business Decisions
Every business makes a mistake. Some of the largest companies in the world have made them. Discover eight decision-making strategies to help guide you as you grow your company.
Canada Day Weekend: Wave the Flag and Market Your Small Business
National holidays are a great way to have your brand join in on the collective feelings of optimism, celebration, and reflection. Just be careful it reads as authentic.
Insurance
Under the Table = Underinsured: The Moral Hazard Every Contractor Should Know
Doing work “under the table” – unreported, off-the-books work done in cash to avoid taxes and legal obligations – poses significant risks to contractors, including rejected insurance claims.
Smash-and-Grab Thefts: How to Safeguard Your Retail Business
How can Canadian retailers defend their properties and inventories and enhance security when robberies and theft are rising? See our recommendations for upping retail store security and having the right insurance to recover from such events.
6 Ways Maintenance Helps Reduce Liability Risks for Landlords
Smart landlords know that risk management hinges on regular maintenance. A well-maintained property is safer, more valuable, and less likely to trigger costly liability claims. Here are six ways for landlords to prevent problems and protect their properties.