Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
21 Business Insurance Terms to Know in Canada
Business insurance policies are full of jargon – binders, perils, riders, exclusions. When buying or renewing a policy, use this quick, plain-language rundown of the 21 commercial insurance terms every Canadian business owner should understand.
What Is Heavy Equipment Insurance and What Does It Cover?
Heavy machinery is highly mobile and expensive to replace. Construction companies and contractors who own or rent transportable tools or heavy equipment need coverage to repair or replace them if damage occurs. Learn what counts as heavy equipment, how much coverage costs, and which contractors need it.
What Type of Insurance Do IT Consultants in Canada Need?
IT consultants require comprehensive insurance to minimize financial, legal, and operational risks and avoid financial turmoil. Most IT consultants in Canada need professional liability (errors and omissions) insurance, cyber liability, and general liability insurance at a minimum. Here’s what you should know.
Heatwaves: How to Prepare Your Small Business for Extreme Heat
Business owners plan for burst pipes and icy walkways in winter, but extreme heat is easy to underestimate. Here's how to prepare your business for heatwaves and how insurance can help recover from incidents that arise.
What Type of Insurance Does a Doula Need?
Doulas provide non-medical emotional, physical, and informational support during life's biggest transitions, but that responsibility carries real liability risks. Here's the insurance coverage every doula in Canada needs.
How Does Product Liability Insurance Protect Business Owners in Canada?
Product liability insurance protects business owners against claims alleging their products caused third-party bodily injuries or property damage. Here's what manufacturers, distributors, retailers, sole proprietors, and e-commerce sellers in Canada need to know.
Small Business Tips
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.
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.
Insurance
10 Essential Types of Business Insurance for Small Businesses in Canada
Unexpected challenges can derail even the most determined small business owner. Here are the 10 types of business insurance every Canadian small business should know about, and how to get covered for less.
Back to School: 9 Reasons Why Tutors and Teachers Need Insurance
As a new school year begins, it’s not just lesson plans that need reviewing – your protection does, too. From liability claims to unexpected accidents, educators in Canada face real risks. Here’s what tutors and educators need to know to stay focused on what they do best: teaching.
10 Common Warehouse Risks and How to Reduce Them
Accidents, property damage, and unexpected losses can derail any warehouse operation. Here are the 10 most common warehouse hazards, practical ways to reduce them, and how warehouse insurance protects your business.
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.
What Is Inflation? A Guide for Small Business Owners in Canada
Inflation isn't simply about rising prices. It's about supply and demand imbalances. This guide explores the definition of inflation, its impact on interest rates, and ideas for Canadian small businesses to manage its effects.
Cybersecurity
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.
10 Cybersecurity Risks to Small Businesses in 2025
Cyber-related threats and attacks on businesses are constantly evolving. Cyber insurance is a crucial component of any business insurance policy, but so is being aware of the threats that could imperil your business. Here are 10 cyber risks to watch out for this year.
How to Prevent Phishing Attacks
Phishing attacks are among the most pervasive cyber-attacks against small businesses and independent professionals. Learn more about it and how to prevent your company from falling prey to it.
Startup Tips
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.
How to Become a Personal Trainer in Canada
If you're serious about becoming an accredited personal trainer, it's essential to understand the different certification pathways, the types of roles available, and how to protect your finances from day one. Read our guide on how to get started in this dynamic career.