Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
What Liability Insurance Does a SaaS Business in Canada Need?
Software-as-a-Service (SaaS) companies in Canada face unique risks from outages and customer claims to cyber incidents and contract disputes. Here’s what liability insurance may help protect your software business.
Why Contractors in Canada Need Year-Round Business Insurance (And Why Seasonal Coverage Costs More)
Thinking about cancelling or pausing your contractor insurance after your busy season? It could cost you more than you save. Here are 6 reasons why annual business insurance is the smarter, more affordable choice for contractors and tradespeople in Canada.
Is Your Small Business Ready for Wildfire Season?
Wildfire season in Canada now starts earlier and hits harder. Here's what small business owners need to know and do to protect their properties before the next fire breaks out.
Is My Business Too Small to Need Liability Insurance? (Why Size Doesn’t Eliminate Risk)
Think your business is too small for liability insurance? Sole proprietors, freelancers, and micro-businesses in Canada can still face lawsuits, accidental damage claims, and costly legal bills. Here’s when small business liability insurance makes sense, what it covers, and why size doesn’t eliminate risk.
What Is Course of Construction (COC) Insurance in Canada? Coverage, Cost, and Builders’ Risk Explained
Course of Construction (COC) insurance, also known as builders' risk insurance, protects a building, its materials, and certain project property during construction, installation, or renovation. This guide explains what it covers, what it excludes, how it compares to other policies, and what affects its cost.
Life Sciences Business Insurance in Canada: What Coverage Do Startups and Small Businesses Need?
A practical guide to the types of insurance coverage life sciences startups and research companies in Canada may need, including liability protection for biotech, medtech, and laboratory businesses.
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
RV Park and Campground Insurance in Canada: What You Need and Why It Matters
Running a campground or RV park in Canada means managing more risk than most business owners realize. A guest injury, fire, or lawsuit, and an uninsured or underinsured owner could be facing tens of thousands of dollars in losses. Here's exactly what coverage you need and how to make sure you're protected before the season starts.
Pool Cleaning Business Insurance: What Coverage Do Canadian Pool Cleaners Need?
One chemical spill, one slip-and-fall, one stolen piece of equipment – any of these can cost your pool cleaning business thousands of dollars. Here's the insurance coverage you need to stay protected this season and year-round.
What Happens If You Don’t Have Liability Insurance for Your Small Business in Canada?
Running a small business without liability insurance? Here's exactly what you're risking – and why getting covered costs less than you think.
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.