Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
Garage Liability vs. Garage Keepers Insurance: Which Does Your Auto Shop Need?
Protecting your auto shop business, reputation, and financial well-being hinges on having the right insurance coverage. But does your shop need garage liability insurance, garage keepers insurance, or both? We’ve got the answers you need to this common question.
Are Temporary or Seasonal Workers Putting Your Small Biz at Risk?
Hiring temporary or seasonal workers to help your small business serve its customers during peak seasons is common and helps boost the economy. But there are liability implications for business owners who do. Here’s what you need to know.
What Is Smishing? How Text Scam Attacks Work & How to Stop Them
Smishing is growing due to artificial intelligence (AI) tools that create realistic text scams. Learn how to recognize smishing messages, protect your small business from attacks, and how cyber liability insurance can help your company after an attack.
10 Costly Myths About Liability Insurance Canadian Small Businesses Must Know
Did you know that 62% of Canadian small businesses operate without liability insurance? Many owners assume they’re “too small” or “they have no risk.” These misconceptions put them at risk of lawsuits, financial loss, and even closure. We’ll debunk the 10 most common myths about liability insurance in Canada and explain why coverage is crucial for business owners and independent professionals.
7 Cyber Insurance Claims We Saw in 2025
Only 7.6% of Canadian business owners regard a cybersecurity incident as their most significant liability risk, despite more than 53% of businesses having experienced a cyber-attack in 2025. Here are 7 real-life cyber claims our clients’ cyber insurance policies covered to keep them in business.
7 Online Retailer Risks in Canada Liability Insurance Can Cover
Canadian e-commerce businesses face increasing liability threats, including cybercrime, product lawsuits, fraud, and reputational damage. Find out what common liability risks online businesses face and how liability insurance can help when things go wrong.
Small Business Tips
50 Side Hustle Ideas to Make Money in 2025
In addition to making extra income, a side hustle is a testing ground to try out a new idea before jumping headlong into starting a business. Looking for inspiration? Here are 50 side job ideas to consider.
Tornado Season 2025: What Small Businesses Need to Know
Canada ranks second in the world for the most tornadoes per year after the U.S. See our tips for how business property owners can prepare and minimize damage to their properties from a tornado and other severe windstorms.
Emergency Preparedness Week: 10 Tips for Small Businesses
Emergency Preparedness Week 2025 runs from May 4 to 10. Download our free emergency supply kit checklist and see our 10 emergency preparedness tips for small businesses.
Insurance
General Contractor vs Handyman: What’s the Difference?
Both general contractors and handymen address their customers’ repair and renovation needs, but the services they each provide – and the liability risks they face – differ significantly. Get a rundown of what they do and the insurance protection they need.
Federal Budget 2025: How Does It Impact Small Businesses in Canada?
Although there are no tax cuts for small businesses, the 2025 federal budget is designed to foster business growth, encourage innovation, and simplify small business owners' access to government initiatives. Here’s what business owners need to know.
Do Dental Hygienists Need Malpractice Insurance?
Many dental hygienists have some liability protection through their employers; however, they’re not obligated to purchase coverage through their associations, and it may not provide them with complete protection from liability claims and lawsuits. Get a quick overview of what you need to know to protect your career and finances.
Financial Business Tips
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.
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.
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 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.
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.