Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
14 Reasons Why You Need Home-Based Business Insurance in Canada
Home-based businesses face the same liability risks every other small business does – and your home insurance policy won't cover them. Here are 14 reasons home-based business insurance is essential, plus how to reduce the risks you face.
What Is Care, Custody, and Control in Insurance?
A care, custody, and control exclusion means your insurance won't pay for someone else's property when it's damaged in your hands. Here's how it works, and how to cover the gap.
Renting to Students: A Canadian Landlord’s Guide
Thousands of students are hunting for off-campus housing right now – and that makes late summer the busiest stretch of the year for landlords. Here's how to prepare your rental property, screen student tenants, set lease terms that hold up, and protect yourself from the liability risks that come with the territory.
9 Insurance Risks Gyms and Fitness Centres in Canada Face
Gyms and fitness centres face injury claims, equipment breakdowns, harassment allegations, and cyberattacks. Here are the nine most common risks – and the gym and fitness centre insurance coverages that protect your finances when something goes wrong.
Survey: 61% of Canadian Small Businesses Are Uninsured. Most Say They Don’t Need It
We surveyed 1,000 business owners across the country to take the temperature of Canadian small businesses in 2026. What came back is a portrait of people who are tougher than the economy gives them credit for, and far more exposed than they realize. Here's what the data says.
What Landlords Need to Know About Student Rental Housing Insurance
Canadian landlords with properties near universities and colleges have an excellent opportunity to meet the constant demand for off-campus student rental housing. But renting to students carries real risks, and property owners need to safeguard their investments against damage and lawsuits. Here's how the right insurance helps.
Small Business Tips
Is Your Small Business Ready for Wildfire Season?
Wildfire season in Canada now starts earlier and hits harder. Here's what small business owners need to know and do to protect their properties before the next fire breaks out.
Zensurance $10,000 Business Grant Recipient: Next Level Property Management
Meet the recipients of our $10,000 grant and five $1,000 grants! We chatted with these business owners to get their best advice for other entrepreneurs, plus why they think insurance is a must-have for keeping a business’s finances secure.
Why Do Insurers Ask for Your Small Business Revenue?
When you apply for business insurance in Canada, insurers often ask about your company’s annual and projected revenue. Here’s why they need this information, how to figure out your numbers, and why it’s important to be accurate.
Insurance
10 Insurance Gaps Most Small Businesses Miss (And How to Fix Them)
Ensuring your business is fully covered can be a challenge. Here are 10 common insurance gaps small business owners might miss and what to do to address them to ensure you’re adequately protected.
Moving Company Insurance in Canada: What Coverage Do You Need?
Late summer and fall are peak season for Canadian moving companies – university turnovers, families relocating between school years, and summer real estate closings all land in the same few weeks. Protecting customers' belongings in transit and in storage takes a commercial policy built for movers, not a generic business package. Here's what yours should include.
Snow Removal Insurance: What You Need to Know (Winter 2026-27 Guide)
Snow removal insurance is hard to get and easy to leave too late. Here's what coverage you need, what it costs, and why Canadian contractors should lock in a policy before insurers hit capacity this fall.
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.