Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
Small Business Calendar 2026: Key Dates for Business Owners in Canada
Starting a new year on the right track is essential. But there are some dates and deadlines no small business owner or independent professional should overlook or forget. See our list of important dates to help stay on track in 2026.
Bundling Business Insurance: Can It Save You Money?
If you’re looking for a clearer, cheaper, and more convenient approach to business insurance, purchasing a bundled business insurance policy may be your best option. Here’s how to decide what works best for you.
10 Ways to Safeguard Your Small Business During the Winter
Winter's icy wrath can damage your business property or cause accidents that lead to liability claims. See our recommendations for protecting your property and finances throughout the winter and reducing the chances of suffering costly losses.
Our 10 Most-Read Business Insurance Blog Articles of 2025
Discover the 10 most-read articles from the Zensurance Small Business Insights Blog in 2025. See what captured the attention of Canadian business owners and entrepreneurs throughout the year and help inform their business growth strategies for 2026.
5 Businesses You Can Start With Less Than $1,000 in 2026
In the digital economy, launching a business is increasingly accessible. Depending on the venture, you no longer need substantial startup capital or commitments like a commercial property lease. Here are five low-cost ideas to consider to start your business in 2026.
Commercial Umbrella Insurance vs Excess Insurance: What’s the Difference?
A claim that exceeds a policy’s coverage limit, or businesses with exposure to risks that their existing policies may not cover, may land in dire straits if their policies don’t fully cover an expensive claim. Here’s how umbrella liability and excess liability insurance can help fill those gaps.
Small Business Tips
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.
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.
Insurance
What Is Hired and Non-Owned Commercial Auto Insurance?
If your business rents or leases vehicles, or if employees use their own cars for work, hired and non-owned commercial auto insurance can help protect your business from costly accidents and liability claims. Here’s what Canadian business owners need to know.
What Is a Deductible in Small Business Insurance? (Definition, Examples & How It Works)
A deductible is the amount your small business pays out of pocket when you file an insurance claim. Understanding how deductibles work can help you lower premiums, avoid surprises, and choose the right coverage.
Why E-Commerce Insurance Matters for Online Sellers in Canada
If you sell products online in Canada, e-commerce insurance – also known as online business insurance – is essential to protect your finances, inventory, and reputation. Here’s what online sellers, dropshippers, and small e-commerce businesses in Canada need to know.
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
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 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.