Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
What Is Tools and Equipment Insurance?
Tools and equipment insurance covers portable tools, machinery, and equipment your business owns, rents, leases, or borrows, protecting them if they're lost, stolen, or damaged. Here's what's covered, what's not, what it costs, and who needs it.
How Much Does Landlord Insurance Cost in Canada?
Protecting your rental property and finances from expensive damages and liability claims requires a customized insurance policy that suits your needs and budget. Here’s what every landlord needs to know.
World Cup Watch Parties: Is Your Restaurant or Bar Insurance Ready?
Hosting a World Cup watch party at your restaurant, bar, or pub? There are real liability risks Canadian business owners need to know before kickoff – from liquor liability and crowd injuries to copyright infringement. Here's what coverage you need and how to protect your business through the entire tournament.
Small Business Grants Ontario 2026: 20 Grants and Funding Programs for Small Businesses
Securing funding is essential for the innovation and growth of all small businesses and startups. This guide outlines 20 small business grants available in Ontario and Canada, along with other resources to help business owners accelerate their growth.
What Insurance Do Media and Marketing Professionals in Canada Need?
Missed deadlines. Campaigns that don't land. A client who decides your work costs them money. These aren't hypotheticals, they're the real risks that come with doing creative and strategic work for a living. This guide breaks down what insurance media and marketing professionals need, what it costs, and why having the right policy is increasingly the difference between landing clients and losing them.
What Is Pollution Liability Insurance in Canada?
One pollution incident can trigger a lawsuit that costs your business everything. Here's what pollution liability insurance covers, who in Canada needs it, and why your general liability policy probably won't save you.
Small Business Tips
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.
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.
Insurance
What Type of Insurance Does a Doula Need?
Doulas provide non-medical emotional, physical, and informational support during life's biggest transitions, but that responsibility carries real liability risks. Here's the insurance coverage every doula in Canada needs.
How Does Product Liability Insurance Protect Business Owners in Canada?
Product liability insurance protects business owners against claims alleging their products caused third-party bodily injuries or property damage. Here's what manufacturers, distributors, retailers, sole proprietors, and e-commerce sellers in Canada need to know.
What Insurance Do Personal Trainers and Fitness Instructors in Canada Need?
Personal fitness trainers and instructors working with individuals to help improve their physical health and achieve their fitness goals face the possibility of injuries to clients and other liability risks. Here’s what every personal fitness trainer should know.
Financial Business Tips
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.
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
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.
Does Your Small Business Need a Cybersecurity Strategy?
Many small business owners may not be aware of the likelihood of falling prey to a cybercriminal, thinking they’re too small for a crook to target. That’s not true. Follow our steps for creating an inexpensive cybersecurity strategy to protect your business.
Startup Tips
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.
How to Become a General Contractor
Starting a general contracting business is a rewarding and exhilarating entrepreneurial venture. A general contractor wears many hats, and is often held accountable for every aspect of a building project. Here’s what you need to know to get started.
How to Start a Tutoring Business in Canada
Tutoring is a private and supplementary method of academic instruction and support. The expectation is tutors have exhaustive knowledge or demonstrated expertise in their subjects of focus. Here’s what to know to start your tutoring business.