Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
Bundling Business Insurance: Can It Save You Money?
If you’re looking for a clearer, cheaper, and more convenient approach to business insurance, purchasing a bundled business insurance policy may be your best option. Here’s how to decide what works best for you.
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.
Our 10 Most-Read Business Insurance Blog Articles of 2025
Discover the 10 most-read articles from the Zensurance Small Business Insights Blog in 2025. See what captured the attention of Canadian business owners and entrepreneurs throughout the year and help inform their business growth strategies for 2026.
5 Businesses You Can Start With Less Than $1,000 in 2026
In the digital economy, launching a business is increasingly accessible. Depending on the venture, you no longer need substantial startup capital or commitments like a commercial property lease. Here are five low-cost ideas to consider to start your business in 2026.
Commercial Umbrella Insurance vs Excess Insurance: What’s the Difference?
A claim that exceeds a policy’s coverage limit, or businesses with exposure to risks that their existing policies may not cover, may land in dire straits if their policies don’t fully cover an expensive claim. Here’s how umbrella liability and excess liability insurance can help fill those gaps.
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.
Small Business Tips
Wave + Zensurance: New Partnership to Help Small Businesses Manage Finances
New partnership with Wave helps Zensurance clients effortlessly manage their finances, invoicing, and payroll on a single platform. Zensurance clients receive an exclusive 50% discount on the first three months of Wave’s Pro Plan.
10 Holiday Retail Planning Tips for Small Businesses in Canada
As the holiday season approaches, retailers and online sellers must be prepared to meet the growing demand from cost-conscious shoppers. See our tips for preparing for the festive season and how to protect your finances while growing your bottom line.
7 Online Retailer Risks in Canada Liability Insurance Can Cover
Canadian e-commerce businesses face increasing liability threats, including cybercrime, product lawsuits, fraud, and reputational damage. Find out what common liability risks online businesses face and how liability insurance can help when things go wrong.
Insurance
8 Reasons Why Your Small Business Needs Legal Services Insurance
Legal services insurance may not be top-of-mind for small business owners, but it's vital coverage for a wide range of issues. Here's why you should think about adding it to your policy.
What Happens If Your Small Biz Doesn’t Have Workers’ Comp?
Failing to register your company with your province’s workers’ compensation board and going without workers’ comp insurance can lead to significant financial and legal consequences. Here’s what every Canadian small business owner or sole proprietor needs to know.
10 Questions to Ask Before Renewing Your Small Business Insurance
Reviewing your business insurance coverage annually – especially at the start of a new year – is one of the best ways to protect your small business. Before you renew a policy, ask an insurance broker a few key questions to confirm you’ve got the right coverage for your Canadian business. Here are 10 questions to ask.
Financial Business Tips
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.
10 Business Insurance Claims We Saw in 2023
For some professionals or business owners, buying business insurance is a legal or regulatory requirement. For others, it is not. Either way, it’s wise to do so. Here are 10 real-life reasons why you should.
Will the Bank of Canada Cut Interest Rates in 2024?
The Canadian central bank’s first interest rate decision and announcement of 2024 is hotly anticipated. Will the Bank of Canada announce an interest rate hike, cut, or will it hold its rate steady? Here’s how each possibility may affect small businesses.
Cybersecurity
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.
5 Best VPN Providers for Small Businesses
Looking to enhance your business’s cybersecurity defences? Purchasing a virtual private network (VPN) to encrypt your online traffic and conceal your location may be worthwhile. See our list of VPN providers to consider.
What Is First-Party Fraud and How Can You Protect Your Business From It?
Fraud is a significant financial risk to organizations of all sizes and industries. First-party fraud can be difficult to detect among the many types of fraud. Here’s how you can safeguard your business from it.
Startup Tips
How to Become a Landlord in Canada
If you’re entering the residential property rental market now or thinking of doing so soon, your timing couldn’t be better. But know that becoming a landlord and maintaining a rental property is a lot of work. See our guide for how to set yourself up for success.
10 Things to Do to Start a General Contracting Business
Thinking of being your own boss and calling the shots? Canada needs more entrepreneurs, but be aware starting a business has its challenges. Here's how to prepare to launch and run a successful contracting business.
5 Common Consultant Insurance Claims
The services consultants provide to their customers expose them to many liability risks that can affect their reputations and finances. Here are five real-life insurance claims a handful of our consultant clients faced and how insurance helped them recover.