Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
Zensurance $10,000 Small Business Grant: Meet Our Six Finalists
Canadians voted, and one Ontario food business takes home $10,000. Five more finalists each receive $1,000. Here's their advice for other owners, why they say insurance is a vital investment in their future, and how to enter our next $10,000 grant.
AI Cyberattacks Are Hitting Canadian Small Businesses. Here’s What Cyber Insurance Covers
AI has made phishing emails grammatically perfect and fraudulent phone calls sound like your boss or colleague. Here's how Canadian small businesses are being targeted in 2026, what an attack actually costs, and what cyber insurance covers when your defences fail.
12 Tips for Buying the Right Business Insurance in Canada
61% of Canadian small business owners surveyed have no coverage at all. That's a gamble few can afford to take if something goes wrong. Here's how to buy the right business insurance, and avoid paying for what you don't need.
How to Write a Snow Removal Contract in Canada
Snow removal contracts do more than lock in the work. They define your scope, spell out who's liable, and get you paid on time. Here's what to include in your commercial and residential snow removal contracts before the first flake falls.
How Much Does Snow Removal Insurance Cost in Canada? (2026)
Snow removal and snowplow contractors need liability coverage in place before the first flake falls. Here's what snow removal insurance costs in Canada, what it covers, and how to keep your premium down.
Small Business Month in Canada 2026: Resources, Grants, and Support for Owners
October is Small Business Month in Canada – a full month of free training, funding deadlines, and networking events packed into four weeks. Here's a practical list of learning resources, grants, and financing options to help your small business or startup grow, plus one step most owners skip.
Small Business Tips
Small Business Grants Ontario 2026: 20 Grants and Funding Programs for Small Businesses
Securing funding is essential for the innovation and growth of all small businesses and startups. This guide outlines 20 small business grants available in Ontario and Canada, along with other resources to help business owners accelerate their growth.
Emergency Preparedness Week 2026: 10 Tips for Small Businesses in Canada
Emergency Preparedness Week 2026 runs from May 3 to 9. Is your small business ready for a flood, wildfire, or earthquake? Grab our free emergency supply kit checklist and use these 10 tips to protect your business before disaster strikes.
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.
Insurance
What Is Commercial General Liability (CGL) Insurance? A Guide for Canadian Small Businesses
A customer trips at your front door. A job goes sideways and floods a client's basement. Here's how commercial general liability (CGL) insurance protects your business from claims like these, what it costs, and how to get covered in minutes.
Workers’ Compensation vs Employers’ Liability Insurance: What’s the Difference?
Workers' comp and employers' liability insurance both deal with workplace injuries, but they're not interchangeable. Here's how each one works, who needs it, and why many Canadian small businesses carry both.
What Is Small Business Insurance (And Do You Need It?)
From liability lawsuits to fire damage, here's what small business insurance covers, what it costs in Canada, and how to tell if your business needs it.
Financial Business Tips
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.
5 Tips for Increasing Your Small Business’s Profit in a Slow Economy
Challenges remain for small businesses to grow their profit margins due to inflation and higher-than-average interest rates. Here are five things you can do to grow profitability in a tight economic environment.
Cybersecurity
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.
What to Do If Your Small Business Suffers a Cyber-Attack
An estimated 69% of Canadian small businesses don't consider cybersecurity a financial priority, and only 20% intend to purchase a cyber insurance policy. If you suspect your business has experienced a cyber-attack or data breach, taking immediate action is critical to minimize the damage.
Startup Tips
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.
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.