Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
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.
Why Clients Ask for a Certificate of Insurance (COI) in Canada – and How to Get One Fast
Learn what a certificate of insurance (COI) is, why Canadian clients require it, and how small business owners, contractors, and independent professionals in Canada can get a COI fast – often within 24 hours.
8 Tax-Filing Tips for Sole Proprietors in Canada (2026 Tax Year Guide)
Tax season is approaching for sole proprietors and self-employed Canadians. This 2026 guide explains key deadlines, required forms, and practical tips to help you file correctly.
What Type of Insurance Does a House Cleaner in Canada Need? (Coverage Explained)
House cleaners provide an essential service to Canadian households, but even small accidents can lead to costly claims. Here’s the insurance coverage professional house cleaners in Canada need to protect their businesses and income.
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.
How to Start a Business in Ontario: A Step-by-Step Guide for New Entrepreneurs
Thinking about starting a business in Ontario? This beginner-friendly guide walks you through the key steps – from planning and registration to taxes, funding, and insurance – so you can start confidently and grow as you go.
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.
15 Tips to Get Your Vacation Rental Property Ready for the Summer
Vacation rental property owners across Canada are eager to attract vacationers to their properties. Before summer gets underway, see our tips for sprucing up your property and ensuring you’ve got the right insurance to cover unexpected damages that may crop up.
Insurance
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.
Pest Control Business Insurance in Canada: 5 Types of Coverage You Need
Pesticides, chemicals, and liability risks come with the territory in pest control. One claim or lawsuit can cost you everything. Here's exactly what insurance coverage your business needs and why.
Working Outside Your Province? Here’s What Your Malpractice Insurance Actually Covers
Working in another province? Your malpractice insurance may not follow you, so don’t assume that it does. Here's what Canadian wellness and beauty pros need to know before crossing provincial borders.
Financial Business Tips
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.
Payment Processors: 5 Ways to Reduce Credit Card Processing Fees
As your small business grows, the fees you pay to process credit card payments may rise. Here’s how you can reduce your credit card processing fees whether you use a payment aggregator or merchant account provider.
Cybersecurity
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.
How Small Business Insurance in Canada Could Protect You From Hackers
Ask a small business owner if they'd rather deal with a fire or a cyber attack, and the answer may
Why Do Hackers Target Smaller Businesses?
The internet and other digital technologies have revolutionized the way we do business. This much we know.
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.