Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
What Kind of Insurance Do Estheticians Need?
Estheticians focus on skin care and beauty treatments. Whether they are independent contractors or spa owners, safeguarding their businesses from unforeseen circumstances is essential. Here's what every esthetician needs to know.
Additional Interest and Additional Insured: What’s the Difference?
Adding a third party to a business insurance policy can be done by including them as an additional interest or an additional insured. While both methods involve adding a third party, they have distinct purposes. Here’s what business owners need to know.
What Is a Business Insurance Exclusion?
Commercial insurance policies contain exclusions. An exclusion defines what is not covered by a policy. Understanding exclusions helps you know what is and is not covered. Here’s what to know.
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.
The High Cost of Vandalism: 5 Vandalism Small Business Insurance Claims
Categorized as a property crime, vandalism is defined as the deliberate damage or destruction of property. Along with theft, it’s a persistent threat to small businesses. Explore five vandalism claims our clients filed and how insurance helped them recover.
How Much Does Manufacturing Insurance Cost in Canada?
The Canadian manufacturing sector plays a crucial role in driving economic growth. However, liability risks lurk at every stage for manufacturers of every kind. Get an overview of manufacturing insurance and the factors that determine its cost.
Small Business Tips
Celebrating Small Business Month Canada 2024
October is Small Business Month in Canada, a celebration encapsulating the heart and soul of our country’s entrepreneurial spirit. See our list of learning and financing resources to help your small business or startup thrive and grow.
Preparing Your Business Vehicle for Autumn and Winter
Driving in dark, slick, or wintry conditions can be more demanding than driving in the summertime. See our safe driving tips and recommendations for preparing your vehicle for the colder temperatures before the weather turns.
How to Write a Snow Removal Contract
Gearing up for the winter and inking customers to your snow removal contracts should be in full swing well before the chilly weather descends. See our tips for things your snow removal contracts may need to include for commercial and residential properties.
Insurance
What Type of Insurance Do IT Consultants Need?
IT consultants require comprehensive insurance to minimize financial, legal, and operational risks and avoid financial turmoil. Get a straightforward overview of how to protect your IT services business.
What Is a Certificate of Insurance (COI)?
A certificate of insurance (COI), or proof of insurance certificate, summarizes your business insurance coverage and proves your business has liability insurance. Without it, you could be missing out on many opportunities. Here’s what every business owner should know.
What Type of Insurance Does a Home-Based Bakery Need?
Countless Canadian bakers with a flare for making scrumptious baked goods are always in high demand, prompting many to start a home-based bakery. But there’s one essential ingredient they should never skip – liability insurance.
Financial Business Tips
10 Accounting Tips for Small Business Owners
Save time and money, keep your books balanced, and avoid run-ins with the Canada Revenue Agency with these 10 tips to manage your business’s finances.
Cybersecurity
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
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 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.
Guide: Risk Analysis and Management for Startups
Statistically, most startups will fail. Don’t be one of them. Doing a comprehensive risk assessment is a crucial step in de-risking a startup. Here’s what you should do.
How to Sell Anything at a Farmers’ Market
Farmers’ markets offer several benefits to both communities and consumers. As a vendor, being profitable means understanding the business expenses. Get an overview of what you need to consider if you fancy selling goods at a farmers’ market.