Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
8 Tax-Filing Tips for Sole Proprietors in Canada (2026 Tax Year Guide)
Tax season is approaching for sole proprietors and self-employed Canadians. This 2026 guide explains key deadlines, required forms, and practical tips to help you file correctly.
What Type of Insurance Does a House Cleaner in Canada Need? (Coverage Explained)
House cleaners provide an essential service to Canadian households, but even small accidents can lead to costly claims. Here’s the insurance coverage professional house cleaners in Canada need to protect their businesses and income.
What Is Hired and Non-Owned Commercial Auto Insurance?
If your business rents or leases vehicles, or if employees use their own cars for work, hired and non-owned commercial auto insurance can help protect your business from costly accidents and liability claims. Here’s what Canadian business owners need to know.
How to Start a Business in Ontario: A Step-by-Step Guide for New Entrepreneurs
Thinking about starting a business in Ontario? This beginner-friendly guide walks you through the key steps – from planning and registration to taxes, funding, and insurance – so you can start confidently and grow as you go.
What Is a Deductible in Small Business Insurance? (Definition, Examples & How It Works)
A deductible is the amount your small business pays out of pocket when you file an insurance claim. Understanding how deductibles work can help you lower premiums, avoid surprises, and choose the right coverage.
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.
Small Business Tips
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.
Celebrating Small Business Month Canada 2025
October is Small Business Month in Canada, a celebration encapsulating the heart and soul of our country’s entrepreneurial spirit. See our list of learning and financing resources to help your small business or startup thrive and grow.
Insurance
Insurance Broker vs. Insurance Company: What’s the Difference?
There are significant differences between insurance providers and insurance brokers, and working with a broker offers many benefits. Spoiler alert: a broker can help you save money on your annual premium.
How to Become a First-Time Landlord in Canada (2026 Guide)
A step-by-step guide to becoming a landlord in Canada. Learn landlord responsibilities, tenant screening tips, and how landlord insurance protects rental properties.
When Do I Need Liability Insurance for My Small Business in Canada?
Starting or running a small business in Canada? Liability insurance feels like something you deal with later – but waiting can be risky. From sole proprietors to growing companies, here’s when liability coverage becomes essential.
Financial Business Tips
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.
How to Get a Small Business Grant in Canada
See our list of grants for Canadian small businesses and startups you can apply for to grow your business and the steps needed to qualify for them.
Cybersecurity
How to Protect Your Point-Of-Sale (POS) System From Fraud
Businesses utilizing point-of-sale (POS) terminals and software for financial transactions are susceptible to fraudulent activity. See our tips for preventing POS fraud and get an overview of the types of insurance that can cover your losses if it happens to your company.
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.
Startup Tips
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.
Blackout: 9 Power Outage Tips for Small Business Owners
No power in your shop means no customers walking through your door. Likewise, no power means no internet. While most power outages or blackouts tend to be short-lived, that’s not always the case. Here’s how you can prepare your business for a sustained outage.
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.