Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
What Is Short-Term Rental Insurance?
Being a short-term property rental host in Canada comes with significant liability risks. Insurance companies generally consider homesharing a commercial activity, and homeowner insurance may not offer coverage. Looking for a solution? Here’s what hosts should know.
9 Common Winter Business Insurance Claims
Accidents, mistakes, theft, and unexpected events beyond your control can befall any small business owner throughout the year, but winter ups the risk ante significantly. Here are nine common wintertime insurance claims we helped our clients recover from last year.
How Canadian Landlords Can Prevent and Manage Frozen Water Pipes
When frigid temperatures cause water inside a pipe to freeze, the ice expands and can split or crack the line. That can result in the pipe bursting and may lead to internal flooding. Here are ways landlords can prevent frozen pipes.
Is Your Salon Ready for the Holidays? Insurance Tips for Beauticians
Canadian salon owners and independent beauticians need to stock up on the products they need to make their clients shine over the holidays. But ensuring they're adequately covered with customized insurance is also critical. Here's what to know.
General Contractor vs Handyman: What’s the Difference?
Both general contractors and handymen address their customers’ repair and renovation needs, but the services they each provide – and the liability risks they face – differ significantly. Get a rundown of what they do and the insurance protection they need.
Federal Budget 2025: How Does It Impact Small Businesses in Canada?
Although there are no tax cuts for small businesses, the 2025 federal budget is designed to foster business growth, encourage innovation, and simplify small business owners' access to government initiatives. Here’s what business owners need to know.
Small Business Tips
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.
Fire Prevention Week 2025: How to Protect Your Small Business From Fires
October 5 to 11 is Fire Prevention Week in Canada. See our tips and resources for minimizing the risk of fire on your commercial property and how business insurance can help your company recover following a fire.
Canada Post Strike: How Small Businesses Can Manage Shipping Costs
Almost 80% of Canadian small businesses rely on Canada Post to ship goods. With a possible postal strike hitting us on May 23, here are a few ways business owners can manage shipping needs until the work stoppage ends.
Insurance
Small Business Calendar 2026: Key Dates for Business Owners in Canada
Starting a new year on the right track is essential. But there are some dates and deadlines no small business owner or independent professional should overlook or forget. See our list of important dates to help stay on track in 2026.
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.
Financial Business Tips
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.
How Small Businesses Can Solve Cash Flow Problems
Avoiding complications by maintaining a healthy cash flow is critical for your small business. That doesn’t mean it’s easy to do so. See our recommendations for planning to maintain a healthy cash balance so you can focus on your long-term goals.
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.
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
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.
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.