Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
Why Do Insurers Ask for Your Small Business Revenue?
When you apply for business insurance in Canada, insurers often ask about your company’s annual and projected revenue. Here’s why they need this information, how to figure out your numbers, and why it’s important to be accurate.
Arborist Liability Insurance in Canada: What Coverage Do Tree Care Businesses Need?
Chainsaws. Heights. Heavy equipment. Tree work isn’t low-risk and neither are the financial consequences. Arborists and tree care professionals do dangerous work. Don’t go out on a limb and offer your services without insurance. Here’s what every tree care business owner should know before stepping onto a job site.
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.
How to Start a Landscaping Business in Canada (Step-by-Step Guide for 2026)
Learn how to start a landscaping business in Canada, including startup costs, licensing requirements, equipment, pricing, and the insurance coverage most contractors need before booking their first job.
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.
Small Business Tips
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.
Survey: Small Businesses Feel the Squeeze as Economic Pressures Mount
Tariffs, inflation, and shifting economic winds are hitting small businesses hard. According to the fourth annual Zensurance Small Business Confidence Index, 62% of owners say today’s economic climate is hurting their operations. Here’s what else is keeping them up at night.
How to Use ChatGPT to Grow Your Business
Explore our guide for Canadian small business owners new to artificial intelligence (AI) to learn how to utilize ChatGPT to streamline operations, boost productivity, and reduce operational costs.
Insurance
What Insurance Do Botox Practitioners Need in Canada? A Complete Coverage Guide
Malpractice insurance for Botox practitioners, aesthetic injectors, and nurses providing Botox, Dysport, and dermal filler treatments is vital to protecting your finances and career from client claims and lawsuits.
Do I Need Insurance to Sell at a Farmers’ Market?
Selling at a Canadian farmers’ market? Most organizers require vendor insurance. Here’s a plain-language guide on what coverage you need to protect your booth and livelihood.
What Is Professional Negligence – And What Happens If a Client Sues You?
A professional negligence claim can devastate your finances and reputation. Learn what it is, how it differs from misconduct, and why professional liability insurance is essential for Canadian professionals and small business owners.
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
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.
How to Start a Restaurant Business
Licking your chops at the thought of opening your own restaurant or food business? Check out our handy guide on how you can get started.