Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
10 Ideas to Grow Your Small Business in 2026
As another year draws to a close, astute business owners are already planning for the year ahead. Looking toward a prosperous new year, here are 10 actionable suggestions designed to help your small business accelerate its growth throughout 2026.
What Is Short-Term Rental Insurance?
Being a short-term property rental host in Canada comes with significant liability risks. Insurance companies generally consider homesharing a commercial activity, and homeowner insurance may not offer coverage. Looking for a solution? Here’s what hosts should know.
9 Common Winter Business Insurance Claims
Accidents, mistakes, theft, and unexpected events beyond your control can befall any small business owner throughout the year, but winter ups the risk ante significantly. Here are nine common wintertime insurance claims we helped our clients recover from last year.
How Canadian Landlords Can Prevent and Manage Frozen Water Pipes
When frigid temperatures cause water inside a pipe to freeze, the ice expands and can split or crack the line. That can result in the pipe bursting and may lead to internal flooding. Here are ways landlords can prevent frozen pipes.
Is Your Salon Ready for the Holidays? Insurance Tips for Beauticians
Canadian salon owners and independent beauticians need to stock up on the products they need to make their clients shine over the holidays. But ensuring they're adequately covered with customized insurance is also critical. Here's what to know.
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.
Small Business Tips
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.
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 Happens If Your Small Business Gets Sued in Canada?
Being sued as a small business owner can be financially and emotionally overwhelming. Legal defence costs can quickly climb into the tens of thousands of dollars. This article explains what happens when your business is sued, how business liability insurance can help cover legal fees, and how to reduce your risk of being sued in the first place.
8 Real Business Insurance Claims Canadian Small Businesses Filed in 2025
Accidents, mistakes, theft, and bad luck don’t discriminate. Here are 8 real business insurance claims small business owners in Canada filed in 2025 – and how the right coverage helped them recover fast and keep moving forward.
11 Expert Tips for Renewing Commercial Auto Insurance in Canada
Is your commercial auto insurance policy up for renewal? These expert tips help Canadian small business owners and independent professionals save money, avoid coverage gaps, and renew their commercial vehicle insurance confidently.
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
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.
4 Critical Steps to Reducing Your Business Cybersecurity Risk
A good business insurance provider will give you a competitive cyber liability insurance quote. A great insurance
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.