Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
Garage Liability vs. Garage Keepers Insurance: Which Does Your Auto Shop Need?
Protecting your auto shop business, reputation, and financial well-being hinges on having the right insurance coverage. But does your shop need garage liability insurance, garage keepers insurance, or both? We’ve got the answers you need to this common question.
Are Temporary or Seasonal Workers Putting Your Small Biz at Risk?
Hiring temporary or seasonal workers to help your small business serve its customers during peak seasons is common and helps boost the economy. But there are liability implications for business owners who do. Here’s what you need to know.
What Is Smishing? How Text Scam Attacks Work & How to Stop Them
Smishing is growing due to artificial intelligence (AI) tools that create realistic text scams. Learn how to recognize smishing messages, protect your small business from attacks, and how cyber liability insurance can help your company after an attack.
10 Costly Myths About Liability Insurance Canadian Small Businesses Must Know
Did you know that 62% of Canadian small businesses operate without liability insurance? Many owners assume they’re “too small” or “they have no risk.” These misconceptions put them at risk of lawsuits, financial loss, and even closure. We’ll debunk the 10 most common myths about liability insurance in Canada and explain why coverage is crucial for business owners and independent professionals.
7 Cyber Insurance Claims We Saw in 2025
Only 7.6% of Canadian business owners regard a cybersecurity incident as their most significant liability risk, despite more than 53% of businesses having experienced a cyber-attack in 2025. Here are 7 real-life cyber claims our clients’ cyber insurance policies covered to keep them in business.
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.
Small Business Tips
How to Do a Business Name Search in Canada
A memorable business name can create brand awareness, drive customer loyalty and sales, and eventually help you attract the talent you need when it’s time to hire employees. Here are the steps you need to take to register and protect your company’s name.
Hiring? 8 Smart Strategies for Small Businesses to Attract & Keep Top Talent
While talent shortages may persist and make hiring and retaining talent more challenging for small business owners, the issue is not insurmountable. Here are 8 ways to win the talent game and grow your business.
Zensurance Business Grant Winner 2025: Demex Cakes
We're excited to introduce the winners of our second $10,000 and $1,000 small business grants in 2025! Learn from their valuable advice for fellow business owners, and discover why they consider insurance a cornerstone of their financial well-being.
Insurance
Commercial Auto Insurance in Winter: What Small Businesses Should Know
The onset of winter means unpredictable road conditions and a higher chance of business vehicles being involved in car crashes. Learn about commercial auto insurance, and see our winter road safety tips to help protect your team and vehicles.
What Type of Income Replacement Insurance Does Your Business Need?
There are different types of income replacement coverage a business owner can select when purchasing business interruption insurance. Here’s what every small biz owner should know about income replacement insurance if you’re forced to close following a major loss.
Group Business Insurance: 6 Reasons Associations Need It
Establishing a commercial insurance group program for your industry association can be challenging due to the diverse needs of your membership. Here are reasons why a group insurance program is beneficial for associations and their members, and what Zensurance can provide to meet your needs.
Financial Business Tips
How to Become a Chartered Professional Accountant (CPA) in Canada
Becoming a CPA in Canada takes time and effort and prepares you for a rewarding career with unlimited potential. Read our guide on the steps you need to take to earn a CPA designation.
How to Declare Your Small Business’s Annual Revenues and Why It Matters
One of the questions insurance providers ask when pricing a business insurance policy is what your profession's or company's annual and projected revenue is. Learn why, how to calculate the numbers, and why providing accurate figures is critical.
Federal Budget 2023: 5 Key Takeaways for Small Businesses
Though this budget may have fallen short of what some small business owners were hoping for, here are five things it includes that may prove beneficial to your small business.
Cybersecurity
How to Avoid Scams When Selling Online
Every retailer selling online or online sellers using third-party marketplaces risks falling prey to fraud and cybercrime. During the busiest shopping season of the year, here are common scams to be wary of and the steps to take to protect your business.
What Is Cyber Insurance?
A majority of Canadians (88%) say they've experienced an increase in attempts to defraud them, and 63% of business owners admit their cybersecurity budget is less than 10% of their IT budgets. Small business owners should take action as more sophisticated threats emerge. Here’s how cyber liability insurance can help.
10 Cybersecurity Tips for Small Businesses
October is Cybersecurity Awareness Month in Canada. Ransomware attacks are among the most common cybersecurity incidents Canadian small businesses face, but there are many others. Here are ways you can fight back.
Startup Tips
How to Start a Dog Walking Business
Discover the ins and outs of the dog walking business with our guide highlighting the vital skills you need, how to find clients and organize your operations, set prices, and understand your liability insurance needs.
How to Start a Business in Ontario
Are you thinking about taking charge of your future by starting a small business in Ontario? Get an overview of the steps you need to take to become your own boss.
9 Steps to Starting a Home Renovation Business
With the economic headwinds Canada is currently facing, you might think the demand for home renovation projects is waning. Data suggests otherwise. Here are the steps to take to get your home renovation business up and running.