Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
What Is Product Liability Insurance?
Product liability insurance protects business owners against claims from customers alleging third-party property damages or bodily injuries caused by their products. Here’s what manufacturers, distributors, retailers, and e-commerce sellers should know.
What Insurance Do Photographers Need?
Whether you're launching your photography business or are a seasoned professional capturing unforgettable moments, the financial risks facing photographers and videographers can be significant. Here’s how to protect your photography business.
Insurance for Janitors: What Type of Insurance Does a Janitor Need?
Professional janitors operate on the front lines of high-traffic, high-stakes environments – where a single misstep can lead to costly liability. Find out how customized liability insurance can safeguard a janitorial business when problems arise.
Why Do Accountants Need Professional Liability Insurance?
As trusted advisors, accountants empower business owners with clarity and confidence. But much like any small business owner, accountants also face financial risks. Here’s how insurance can protect accountants’ finances and careers.
What Type of Insurance Does a Home Daycare Business Need?
Daycare insurance safeguards business owners from the financial repercussions of accidents, third-party bodily injury claims, property damage, or allegations of professional negligence. Get the A-B-Cs on daycare insurance and protect your livelihood.
What Is Commercial Auto Insurance in Canada?
Most personal car insurance won't cover accidents or damage when you're using your vehicle for business. Discover how a commercial auto policy protects your ride – and why it's essential if you drive for work.
Small Business Tips
Zensurance Business Grant Winner 2024: Down East Dance Academy
Meet our $10,000 and $1,000 small business grant winners, their advice for other business owners and entrepreneurs, and why insurance is an essential part of their financial wellness.
5 Common Winter Business Insurance Claims
Accidents and mishaps leading to insurance claims can happen to any business owner at any time, but winter weather can raise the stakes considerably. Here are five wintertime claims our clients had to contend with and how their insurance coverage helped them recover.
How General Contractors Can Price a Job
Customer quotes allow contractors to set expectations and ensure a project goes smoothly and satisfactorily. However, pricing too low won’t cover your costs, and pricing too high risks not scoring the job. See our guide for tips on how to strike the right balance.
Insurance
What Is Product Recall Insurance?
Retailers and e-commerce sellers are legally responsible for the safety of the products they sell or distribute, including packaged foods and defective items. Product recall insurance covers expensive product recalls. Here’s how it can help business owners manage their costs.
10 Common Construction Insurance Claims From Contractors
Insurance claims are a seemingly unavoidable aspect of working in the construction industry. Despite how cautious and prepared you and your crew are, sometimes the unexpected happens. Here are 10 real-life insurance claims we helped our clients deal with quickly.
10 Must-Know Facts About General Liability Insurance for Small Businesses
Many business owners may not understand what general liability insurance covers and does not cover. Let’s end that confusion. Get the lowdown on how this type of insurance safeguards your small business so you can make informed decisions for protecting your assets.
Financial Business Tips
How Your Small Business Can Accept Credit Card Payments in Canada
The monetary landscape is shifting, emphasizing the need for Canadian small businesses to adapt to accepting cashless payments more frequently from their customers. Here’s what you should know.
Canadian Small Business Tax Filing Tips for 2023
Tax season is fast approaching, and small business owners and self-employed professionals should start preparing now rather than later. Get a rundown of important dates and how to reduce your chances of being audited.
How to Prepare Your Small Business for a Recession
Although there’s no consensus among economists whether Canada will slip into a recession, preparing your business’s finances to endure a choppy economy now and into 2023 is the safest strategy. Here are ways to do that.
Cybersecurity
No More Passwords: How Passkeys Can Help Make Your Small Business Secure
Data shows the passwords we use today are among the weakest links in cybersecurity defence. Passkeys are poised to replace passwords. Get details on what they are and how they can help make your small business more secure.
5 Common Cyber Liability Insurance Claims
Small businesses and startups are not immune to cyber-attacks. Get a rundown of some of the most common cyber-attacks that hit companies of all sizes and how cyber liability insurance can help a business recover from one.
Fraud Prevention Month 2023: 8 Ways to Protect Your Business From Fraud
March is Fraud Prevention Month. Fraud is rising significantly in Canada. Do you know where your greatest vulnerabilities are? Learn how to prevent your business from falling victim to fraud.
Startup Tips
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.
How to Start an IT Business in Canada
Much like a technologist, entrepreneurship is about problem-solving. Considering our economic environment, the moment to strike out on your own may be at-hand. Here are the steps to take to bring your tech startup to life.
How to Become a Registered Massage Therapist (RMT) in Canada
Read our guide on starting a career as a registered massage therapist and find out what education and hands-on experience you need, salary details, insurance considerations, and more.