Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
How Canadian Small Businesses Can Use Artificial Intelligence (AI) to Increase Sales and Revenue
Using AI effectively can help Canadian small businesses attract more customers, increase sales, and improve customer service, often without new hires or large budgets. Many business owners are already using AI without realizing it. This guide explains how to start small, stay focused, and grow results in five practical steps.
Why Directors and Officers (D&O) Insurance in Canada Is Vital in 2026
As business insolvencies and bankruptcies rise, if your organization has a board of directors or senior officers, D&O insurance is critical coverage to protect decision-makers in today’s high-liability environment.
Is Your Small Biz Underinsured? How to Tell and What to Do If It Is
Discovering your business is underinsured often happens after a loss, lawsuit, or cyber incident – when it’s already too late. This guide helps Canadian small business owners identify coverage gaps before they become financially devastating.
8 Reasons Why Your Small Business Needs Legal Services Insurance
Legal services insurance may not be top-of-mind for small business owners, but it's vital coverage for a wide range of issues. Here's why you should think about adding it to your policy.
What Happens If Your Small Biz Doesn’t Have Workers’ Comp?
Failing to register your company with your province’s workers’ compensation board and going without workers’ comp insurance can lead to significant financial and legal consequences. Here’s what every Canadian small business owner or sole proprietor needs to know.
10 Questions to Ask Before Renewing Your Small Business Insurance
Reviewing your business insurance coverage annually – especially at the start of a new year – is one of the best ways to protect your small business. Before you renew a policy, ask an insurance broker a few key questions to confirm you’ve got the right coverage for your Canadian business. Here are 10 questions to ask.
Small Business Tips
How to Do a Business Name Search in Canada
A memorable business name can create brand awareness, drive customer loyalty and sales, and eventually help you attract the talent you need when it’s time to hire employees. Here are the steps you need to take to register and protect your company’s name.
Hiring? 8 Smart Strategies for Small Businesses to Attract & Keep Top Talent
While talent shortages may persist and make hiring and retaining talent more challenging for small business owners, the issue is not insurmountable. Here are 8 ways to win the talent game and grow your business.
Zensurance Business Grant Winner 2025: Demex Cakes
We're excited to introduce the winners of our second $10,000 and $1,000 small business grants in 2025! Learn from their valuable advice for fellow business owners, and discover why they consider insurance a cornerstone of their financial well-being.
Insurance
Commercial Auto Insurance vs Personal Auto Insurance: What’s the Difference?
If you use your vehicle for work in Canada, you need commercial auto insurance. Personal auto insurance usually won’t cover accidents that happen during business use. Learn the key differences, legal requirements, and how to get the right commercial vehicle insurance coverage for your business.
What Insurance Do Online Sellers Need to Protect Against Customer Lawsuits in Canada?
Consumer lawsuits against Canadian online sellers and e-commerce businesses are common (and expensive). If you sell online – even part-time – it’s vital to understand how to protect your business and finances from customer lawsuits and other liability risks.
What Is Installation Floater Insurance in Canada?
What happens if materials are damaged or stolen before you install them? If you transport or store materials on a job site before installation, installation floater insurance can protect your job profit from theft, damage, or loss anywhere in Canada.
Financial Business Tips
How to Grow Your Small Business in an Uncertain Economy
Economists expect the Canadian economy to grow by 0.5% in 2023. That’s significantly less than the 3.5% growth realized in 2022. See our tips for small businesses grappling with increasing their margins and remaining competitive.
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.
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
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.
What Is Social Engineering?
Social engineering is a technique used by hackers to manipulate people online to voluntarily provide confidential information about themselves. Learn about the different types of social engineering attacks and how to thwart them.
Startup Tips
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.
A Guide to Selling on Depop
Get the lowdown on selling on Depop, including what you can sell online, selling fees, recommended insurance coverage, and more.