Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
What Should You Do If Your Small Business Has a Data Breach?
Small businesses in Canada are prime targets for cyberattacks and data breaches. Here's exactly what to do in the first 24 hours if your business is hit by a data breach, and how cyber liability insurance can help you recover quickly.
Do I Need Insurance to Sell at a Farmers’ Market?
Selling at a Canadian farmers’ market? Most organizers require vendor insurance. Here’s a plain-language guide on what coverage you need to protect your booth and livelihood.
What Is Professional Negligence – And What Happens If a Client Sues You?
A professional negligence claim can devastate your finances and reputation. Learn what it is, how it differs from misconduct, and why professional liability insurance is essential for Canadian professionals and small business owners.
Pest Control Business Insurance in Canada: 5 Types of Coverage You Need
Pesticides, chemicals, and liability risks come with the territory in pest control. One claim or lawsuit can cost you everything. Here's exactly what insurance coverage your business needs and why.
Working Outside Your Province? Here’s What Your Malpractice Insurance Actually Covers
Working in another province? Your malpractice insurance may not follow you, so don’t assume that it does. Here's what Canadian wellness and beauty pros need to know before crossing provincial borders.
Hot Torch Roofing Insurance: What You Need – and What Could Cost You If You Don’t Have It
Torch-down roofing is one of the riskiest trades in the industry, and one accidental fire can wipe out your business. Here's what your insurance policy needs to cover, and how to get it without overpaying.
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
What Insurance Do Food Truck Operators in Canada Need? (Complete Guide)
Whether you're just starting out or already rolling, here's everything you need to know about food truck insurance in Canada, and how to make sure you're covered before something goes wrong.
Dog Walker Insurance: What Coverage Do Dog Walkers in Canada Need?
Whether dog walking is your full-time career or a side hustle, one accident or incident could cost you thousands. Here's exactly what insurance you need, and why it matters more than you think.
Builders’ Risk Insurance in Canada: Coverage for Contractors and Property Owners
A builders' risk insurance policy is a specialized type of property insurance designed to protect contractors and property owners throughout any construction or renovation project. Here's everything contractors and property owners in Canada need to know before breaking ground.
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
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.
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.
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.