Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
What Is a Business Insurance Peril?
There are a variety of risks or perils that can cause expensive losses or damages to a business owner. Get a quick rundown of what is considered an insurance peril and how to ensure you have the right type of coverage to protect your finances.
Protect Your Green: How the Right Insurance Saves Landscapers Money
The first day of spring is less than two weeks away. Now’s the time for landscaping and lawn care professionals to prepare for the season ahead, including having the insurance protection they need. Here’s what you should know.
How to Develop a Loss Prevention Strategy for Retailers
An estimated 57% of Canadian small businesses dealt with theft or shoplifting in 2023 and shoplifting costs retailers around $5 billion annually. Here’s how a loss prevention strategy and customized business insurance can help protect a retailer’s finances.
Risk Alert: 70% of Self-Employed Canadians Don’t Have Business Insurance
An estimated 13.2% of Canadians (about 2.6 million) are self-employed professionals. A recent snapshot poll of these individuals finds an overwhelming majority do not have liability insurance and may be risking financial ruin.
General Liability vs Professional Liability Insurance: Which One Do You Need?
Both general liability and professional liability insurance are vital coverages for business owners and independent professionals, but they each cover different types of risks. There is no better insurance than knowledge, so here's a simple breakdown of each.
Climate Change Risks: What Business Property Coverage Does Your Small Biz Need?
In the last decade, 87,000 Canadian businesses suffered financial losses due to severe weather and natural disasters, and 2024 was the worst for insurable losses caused by catastrophic weather and natural disasters. Here’s what you can do to protect your small business.
Small Business Tips
How a Distracted Driving Conviction Affects Commercial Auto Insurance
Get an overview of distracted driving, how to avoid it, the penalties, and how it affects your insurance coverage if you’re convicted of the charge.
5 Common Consultant Insurance Claims
The services consultants provide to their customers expose them to many liability risks that can affect their reputations and finances. Here are five real-life insurance claims a handful of our consultant clients faced and how insurance helped them recover.
Blackout: 9 Power Outage Tips for Small Business Owners
No power in your shop means no customers walking through your door. Likewise, no power means no internet. While most power outages or blackouts tend to be short-lived, that’s not always the case. Here’s how you can prepare your business for a sustained outage.
Insurance
What Type of Insurance Does a Vape Store Need?
Running a vape shop has both benefits and drawbacks. It is crucial for vape store owners to be aware of the risks and take the necessary steps to protect their businesses and assets from potential liabilities.
Is Your Landscaping and Lawn Care Business Protected?
As the busy season approaches, landscaping and lawn care businesses are preparing to manage the health of their customers' properties. Here are some tips to ensure a safe and problem-free season.
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.
Financial Business Tips
Cybersecurity
How To Keep Your Business Safe As You Digitize It
More Canadian business owners embrace “brick-and-mortar PLUS digital” allowing them to deliver a more attractive shopping experience, offering convenience,
Startup Tips
How to Do a Business Name Search in Canada
A catchy business name can create brand awareness, drive customer loyalty and sales, and eventually help you attract the talent you need when it’s time to hire employees. Here are the steps you need to take to register and protect your company’s name.
How to Start a Jewellery-Making Business
Although the jewellery industry is highly competitive, it has low barriers to entry. If you’re keen to dazzle the world with your artisan, handcrafted treasures, now may be the time to strike gold. Here are the steps you need to take.
How to Become a Life Coach
If you’re thinking of becoming a life coach, consider your strengths and passions to help pick an area of expertise. But being a life coach also means you need to think like a business owner.