Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
11 Expert Tips for Renewing Commercial Auto Insurance in Canada
Is your commercial auto insurance policy up for renewal? These expert tips help Canadian small business owners and independent professionals save money, avoid coverage gaps, and renew their commercial vehicle insurance confidently.
Essential Insurance Policies Every Canadian General Contractor Needs in 2026
General contractors, construction companies, and skilled trades professionals need the right insurance coverage to protect against liability, property damage, and financial loss – especially as construction and renovation season ramps up in 2026.
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.
Why Directors and Officers (D&O) Insurance in Canada Is Vital in 2026
As business insolvencies and bankruptcies rise, if your organization has a board of directors or senior officers, D&O insurance is critical coverage to protect decision-makers in today’s high-liability environment.
Is Your Small Biz Underinsured? How to Tell and What to Do If It Is
Discovering your business is underinsured often happens after a loss, lawsuit, or cyber incident – when it’s already too late. This guide helps Canadian small business owners identify coverage gaps before they become financially devastating.
Small Business Tips
10 Ideas to Grow Your Small Business in 2026
As another year draws to a close, astute business owners are already planning for the year ahead. Looking toward a prosperous new year, here are 10 actionable suggestions designed to help your small business accelerate its growth throughout 2026.
How Canadian Landlords Can Prevent and Manage Frozen Water Pipes
When frigid temperatures cause water inside a pipe to freeze, the ice expands and can split or crack the line. That can result in the pipe bursting and may lead to internal flooding. Here are ways landlords can prevent frozen pipes.
Zensurance Business Grant Winner 2025: Steadiwear
We're excited to introduce the winners of our third $10,000 and $1,000 small business grants in 2025! Gain valuable insights from their advice for fellow business owners, and understand why they view insurance as essential for their financial security.
Insurance
Why E-Commerce Insurance Matters for Online Sellers in Canada
If you sell products online in Canada, e-commerce insurance – also known as online business insurance – is essential to protect your finances, inventory, and reputation. Here’s what online sellers, dropshippers, and small e-commerce businesses in Canada need to know.
What Happens If Your Small Business Gets Sued in Canada?
Being sued as a small business owner can be financially and emotionally overwhelming. Legal defence costs can quickly climb into the tens of thousands of dollars. This article explains what happens when your business is sued, how business liability insurance can help cover legal fees, and how to reduce your risk of being sued in the first place.
8 Real Business Insurance Claims Canadian Small Businesses Filed in 2025
Accidents, mistakes, theft, and bad luck don’t discriminate. Here are 8 real business insurance claims small business owners in Canada filed in 2025 – and how the right coverage helped them recover fast and keep moving forward.
Financial Business Tips
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.
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.
10 Financial Planning Tips for Small Businesses in 2025
Making informed decisions, dealing with unforeseen challenges, and positioning your business for sustained growth requires planning. See our financial planning tips to help your small business grow and thrive in 2025.
Cybersecurity
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.
8 Cybersecurity Tools for Small Businesses Using Mobile Devices
Mobile device security threats are rising. Most Canadian small businesses use mobile devices for their operations. Securing the devices your employees and company use is vital to a well-rounded cybersecurity plan. See our suggestions for upping your mobile security.
Startup Tips
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.
Starting a Food Truck Business? Here’s What You Should Know
Thinking about hitting the streets with your own food truck? Learn exactly what it takes – from writing a solid business plan to handling startup costs, permits, and insurance. See our tips to fuel your success and steer clear of common mistakes.
50 Side Hustle Ideas to Make Money in 2025
In addition to making extra income, a side hustle is a testing ground to try out a new idea before jumping headlong into starting a business. Looking for inspiration? Here are 50 side job ideas to consider.