Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
What Type of Insurance Do Eavestrough and Siding Contractors Need?
All professionals or small businesses have liability risks regardless of their industry or the services they provide. Gutter cleaning professionals are no different. Here’s why gutter cleaning businesses need insurance.
Zensurance Business Grant Winner 2025: SnuggleTooth Smile Mobile
We're excited to introduce the winners of our $10,000 and $1,000 small business grants! Learn from their valuable advice for fellow business owners and entrepreneurs, and discover why they consider insurance a cornerstone of their financial well-being.
Is Your Small Business Ready for Wildfire Season?
The Canadian wildfire season now starts earlier, and wildfires have become more frequent and ferocious. Here are some tips to help prevent wildfire damage to your business property.
8 Types of Insurance Electrician Contractors Need
In many provinces, electricians must carry liability insurance to obtain and maintain their licences. Without it, you’re leaving your business and livelihood exposed. Get a straightforward rundown of the types of coverage electricians need and why they matter.
What Type of Insurance Do Gardeners Need?
On the surface, gardening may seem like a safe profession. However, similar to landscaping professionals, professional gardeners face several liability risks. Here's what gardeners need to know to safeguard their finances and livelihoods.
What You Need to Know About Student Rental Housing Insurance
Canadian landlords with properties near universities and colleges have an excellent opportunity to meet the constant demand for off-campus student rental housing. However, property owners must safeguard their investments from potential damages and lawsuits. Here's how insurance can help.
Small Business Tips
Celebrating Small Business Month Canada 2024
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.
Preparing Your Business Vehicle for Autumn and Winter
Driving in dark, slick, or wintry conditions can be more demanding than driving in the summertime. See our safe driving tips and recommendations for preparing your vehicle for the colder temperatures before the weather turns.
How to Write a Snow Removal Contract
Gearing up for the winter and inking customers to your snow removal contracts should be in full swing well before the chilly weather descends. See our tips for things your snow removal contracts may need to include for commercial and residential properties.
Insurance
What Is a Business Insurance Exclusion?
Commercial insurance policies contain exclusions. An exclusion defines what is not covered by a policy. Understanding exclusions helps you know what is and is not covered. Here’s what to know.
The High Cost of Vandalism: 5 Vandalism Small Business Insurance Claims
Categorized as a property crime, vandalism is defined as the deliberate damage or destruction of property. Along with theft, it’s a persistent threat to small businesses. Explore five vandalism claims our clients filed and how insurance helped them recover.
How Much Does Manufacturing Insurance Cost in Canada?
The Canadian manufacturing sector plays a crucial role in driving economic growth. However, liability risks lurk at every stage for manufacturers of every kind. Get an overview of manufacturing insurance and the factors that determine its cost.
Financial Business Tips
What Kind of Business Insurance Do Fintech Startups Need?
Fintechs possess a lot of sensitive information about their customers. The dangers and benefits fintechs face are interwoven. As primary targets for fraud, scams, and cyber-attacks, find out what protection fintech startups need.
How Does Your Side Business Affect Your Taxes?
The money earned from your side hustle is considered taxable but there are many ways to lower your tax bill. Here’s how to do that.
What Is a Good Profit Margin for Your Small Business?
A profit margin is an amount that shows how profitable your business is by dividing income by revenue (also called sales). There are also different types of margins you’ll need to understand and ways to improve them.
Cybersecurity
Your Small Business May Be Vulnerable to Cybercrime
An online presence is more crucial than ever before for small businesses in Canada to pivot and survive the challenges the pandemic has presented. But putting so much emphasis on digital practices has left us vulnerable to cyber-attacks. Find out how you can protect your small business.
Cybersecurity Essentials: How to Create Strong Passwords
Small businesses may be at a disadvantage having the wherewithal to invest in cybersecurity defences. But there are ways to minimize the threats you face to thwart hackers and scammers.
47% of Canadian Small Businesses Lack Cybersecurity Protection
Online survey finds almost half of small businesses lack necessary cyber security defences to repel a cyber-attack.
Startup Tips
How to Reduce Job Applicant Ghosting in a Tight Labour Market
Small businesses can’t afford to be waiting for applicants who will never arrive, or worse yet, people who get hired only to not show up for their first shift. Here’s how you can prevent applicants from “ghosting” you.
8 Ways to Make Smart Small Business Decisions
Every business makes a mistake. Some of the largest companies in the world have made them. Discover eight decision-making strategies to help guide you as you grow your company.
How to Write a Mission and Vision Statement for Your Small Business
There is often confusion around what mission and vision statements are and their differences. Read our guide on how to develop and realize your organization’s mission and vision statements.