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 IT Consultants Need?
IT consultants require comprehensive insurance to minimize financial, legal, and operational risks and avoid financial turmoil. Get a straightforward overview of how to protect your IT services business.
What Is a Certificate of Insurance (COI)?
A certificate of insurance (COI), or proof of insurance certificate, summarizes your business insurance coverage and proves your business has liability insurance. Without it, you could be missing out on many opportunities. Here’s what every business owner should know.
What Type of Insurance Does a Home-Based Bakery Need?
Countless Canadian bakers with a flare for making scrumptious baked goods are always in high demand, prompting many to start a home-based bakery. But there’s one essential ingredient they should never skip – liability insurance.
Contractor vs Subcontractor: Understanding Liability and Insurance
It can be confusing to understand the specific risks contractors and subcontractors face during construction projects. Get a straightforward understanding of what's at stake and the types of insurance these professionals require.
10 Common Summertime Business Insurance Claims in Canada
Summer can bring a surge in unexpected risks for small businesses – from property damage to equipment breakdowns. See how we helped real clients tackle 10 common seasonal claims and stay open for business.
Under the Table = Underinsured: The Moral Hazard Every Contractor Should Know
Doing work “under the table” – unreported, off-the-books work done in cash to avoid taxes and legal obligations – poses significant risks to contractors, including rejected insurance claims.
Small Business Tips
10 Tips for Closing Your Small Business for the Winter
Are you closing up shop for the winter? Ensuring your property is prepared for winter and your valuable contents and inventory are safely stored is vital. See our tips for how small business owners can shut down operations and keep their assets safe.
9 Ways to Celebrate Small Business Saturday in Canada
Take advantage of Small Business Saturday to raise brand awareness and attract new customers as the holiday shopping season heats up. See our list of how you can do that cost-effectively.
10 Insurance Tips for Women Entrepreneurs
Navigating the complexities of acquiring the right type of liability insurance can be daunting for any entrepreneur in any industry. See our insurance tips for helping women-owned businesses and startups make informed decisions.
Insurance
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.
Financial Business Tips
How Financial Literacy Can Help Protect Your Small Business
It’s vital for small business owners to be well-informed about finance to effectively manage and grow their businesses. November is Financial Literacy Month. Tap into these resources to up your financial management skills.
How Does Inflation Affect Small Businesses?
Although Canada’s annual inflation rate cooled slightly from a high of 8.1% in June, core inflation has yet to peak, economists warn. Here’s how small businesses can manage the impact of inflation on their bottom lines.
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.
Cybersecurity
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.
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.
Startup Tips
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.
How to Become a Freelance Writer
Becoming a freelance writer means you’re a self-employed professional who writes articles and other forms of content for a variety of different clients. It can be a rewarding career, but you need to treat it like a business. Here’s what to do.
How to Start a Daycare Business
If you have a passion for raising children and are looking for a lucrative business opportunity, opening a daycare business can be a rewarding option. Read our guide on how you can get started.