# Zensurance

> Low-Cost Commercial Insurance Starting at $11/Month†Customized commercial insurance. Affordable coverage. 100% reliable. Customized commercial insurance. Affordable coverage. 100% reliable. Get a Free Quote in 3 MinutesTrusted by 100,000+ Canadian small

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## Pages

- [Is Your Small Business Too Small for Liability Insurance? (The Truth)](https://zenstage.wpengine.com/faq-video-library/is-your-small-business-too-small-for-liability-insurance-the-truth): Is Your Small Business Too Small for Liability Insurance? (The Truth) Ready to Protect Your Business? Don't risk operating unprotected....
- [What Is a Certificate of Insurance (COI) and How Do You Get One?](https://zenstage.wpengine.com/faq-video-library/what-is-a-certificate-of-insurance-coi-and-how-do-you-get-one): What Is a Certificate of Insurance (COI) and How Do You Get One? Ready to Protect Your Business? Don't risk...
- [Contest - Terms and Conditions](https://zenstage.wpengine.com/contest-terms-and-conditions): Contest Official Rules and Regulations ELIGIBILITY CRITERIA: To be eligible for this Promotion, you must be an entrepreneur and/or the...
- [What Is Errors & Omissions Insurance? (And Does Your Business Need It?)](https://zenstage.wpengine.com/faq-video-library/what-is-errors-omissions-insurance-and-does-your-business-need-it): What Is Errors & Omissions Insurance? (And Does Your Business Need It? ) Ready to Protect Your Business? Don't risk...
- [How Much Does Small Business Insurance Cost in Canada? (2026 Pricing Guide)](https://zenstage.wpengine.com/faq-video-library/how-much-does-small-business-insurance-cost-in-canada-2026-pricing-guide): How Much Does Small Business Insurance Cost in Canada? (2026 Pricing Guide) READY TO PROTECT YOUR SMALL BUSINESS? Don't risk...
- [Do I Need Cyber Insurance If I Store Client Information? (Canada Small Business Guide)](https://zenstage.wpengine.com/faq-video-library/do-i-need-cyber-insurance-if-i-store-client-information-canada-small-business-guide): Do I Need Cyber Insurance If I Store Client Information? (Canada Small Business Guide) Ready to Protect Your Business? Don't...
- [Are subcontractors covered under my policy or do they need their own insurance?](https://zenstage.wpengine.com/faq-video-library/do-subcontractors-need-insurance): Are Subcontractors Covered Under Your Insurance Policy, or Do They Need Their Own? Ready to Protect Your Business? Don't risk...
- [Do I Need Business Insurance for Side Hustle Projects? (Canada Explained)](https://zenstage.wpengine.com/faq-video-library/do-i-need-business-insurance-for-side-hustle-projects-canada-explained): Do I Need Business Insurance for Side Hustle Projects? (Canada Explained) Ready to Protect Your Business? Don't risk operating unprotected....
- [Zensurance: Real Business Insurance Experts. Real Advice.](https://zenstage.wpengine.com/faq-video-library/zensurance-real-business-insurance-experts-real-advice): Zensurance: Real Business Insurance Experts. Real Advice. Ready to Protect Your Business? Don't risk operating unprotected. Get your tailored quote...
- [Do You Need Business Insurance If You Work From Home in Canada?](https://zenstage.wpengine.com/faq-video-library/do-you-need-business-insurance-if-you-work-from-home-in-canada): Do You Need Business Insurance If You Work From Home in Canada? Ready to Protect Your Business? Don't risk operating...
- [FAQ Video Library](https://zenstage.wpengine.com/faq-video-library): FAQ Video Library Do I Really Need Business Insurance in Canada? Do You Need Business Insurance If You Work From...
- [Do I Really Need Business Insurance in Canada?](https://zenstage.wpengine.com/faq-video-library/do-i-really-need-business-insurance-in-canada): Do I Really Need Business Insurance in Canada? Ready to Protect Your Business? Don't risk operating unprotected. Get your tailored...
- [Partnerships](https://zenstage.wpengine.com/zensurance-partnerships): Partner With Zensurance: Exclusive Partnership Opportunities Partner with Canada’s leading online small business insurance provider to safeguard your customers or...
- [SBG Form](https://zenstage.wpengine.com/sbg-form): https://zenstage. wpengine. com/wp-content/uploads/2026/01/SBG_Complete-graphic_non-customer. svg https://zenstage. wpengine. com/wp-content/uploads/2026/01/SBG_Complete-graphic_customer. svg Zensurance Grant Application
- [Business Liability Insurance - Regal](https://zenstage.wpengine.com/grant): Zensurance Small Business Grant Welcome back! Now that you've completed your story on why you should win, you still have...
- [FAQ Broker Contact](https://zenstage.wpengine.com/sst-faq): https://zenstage. wpengine. com/wp-content/uploads/2026/01/LightBulb-Icon. svg FAQ Certain businesses have services or nuances that our systems are unable to price automatically and...
- [Guide: Cyber Liability Insurance: How to Protect Your Small Business From Cyber Threats](https://zenstage.wpengine.com/guides/cyber-liability-insurance-how-to-protect-your-small-business-from-cyber-threats): Cyber Liability Insurance: How to Protect Your Small Business From Cyber Threats Discover actionable, inexpensive steps small businesses can taketo...
- [Commercial Truck Insurance](https://zenstage.wpengine.com/commercial-truck-insurance): Commercial Truck Insurance Customized, low-cost commercial truck and transportation insurance for trucking companies and operators Get a Free Quotehttps://zenstage. wpengine....
- [Partner - Wave](https://zenstage.wpengine.com/wave): https://zenstage. wpengine. com/wp-content/uploads/2025/07/WaveZensurnace-Partners. svg Welcome, Wave members! Zensurance has teamed up with Wave to help you save on your business...
- [Telus Referral - Terms and Conditions](https://zenstage.wpengine.com/telus-referral-terms-and-conditions): Terms and Conditions ZENSURANCE “TELUS REFERRAL” PROMOTION ZENSURANCE QUOTE FOR A GIFT CARD promotion (referred to herein as the “Promotion”)...
- [Product Recall Insurance](https://zenstage.wpengine.com/product-recall-insurance): Product Recall Insurance Comprehensive, low-cost product recall insurance for retailers and online sellers Get a Free Quotehttps://zenstage. wpengine. com/wp-content/uploads/2025/07/Product-Recall-Insurance. svghttps://zenstage....
- [Zensurance - Renewals](https://zenstage.wpengine.com/renewals): Business Insurance Renewals How to renew, make changes, or cancel your Zensurance business insurance policy. Business insurance policies are typically...
- [Builder’s Risk Insurance Ontario](https://zenstage.wpengine.com/ontario-business-liability-insurance/builders-risk-insurance): Builder’s Risk Insurance Ontario Protect your customer’s property and your construction business with affordable builder’s risk insurance. Get a Free...
- [Zumba Instructor Insurance](https://zenstage.wpengine.com/sports-insurance/zumba-instructor): Zumba Instructor Insurance Customized, low-cost liability insurance for Zumba and fitness instructors to protect them from financial losses and potential...
- [Pickleball Club Insurance](https://zenstage.wpengine.com/sports-insurance/pickleball-club): Pickleball Club Insurance Comprehensive, customized liability insurance for pickleball clubs and leagues Get a Free Quotehttps://zenstage. wpengine. com/wp-content/uploads/2025/06/Pickleball-Insurance-Quote. svghttps://zenstage. wpengine....
- [SME - Event Form](https://zenstage.wpengine.com/sme/form): https://zenstage. wpengine. com/wp-content/uploads/2025/05/ZenSME_form-logos. png  
- [Commercial Property Insurance Ontario](https://zenstage.wpengine.com/ontario-business-liability-insurance/commercial-property-insurance): Commercial Property Insurance Ontario Comprehensive protection for Ontario small businesses to safeguard their buildings, equipment, and assets from unexpected damage...
- [Landlord Insurance Coverage](https://zenstage.wpengine.com/landlord-insurance/what-does-landlord-insurance-cover): https://zenstage. wpengine. com/wp-content/uploads/2024/08/Landlord-Insurance. svg Landlord Insurance Coverage Guide Each building is different, and insurance requirements vary by size of building,...
- [Temu Seller Insurance](https://zenstage.wpengine.com/retail-insurance/temu-seller-insurance): Temu Seller Insurance Get comprehensive, low-cost product liability insurance to protect your business and finances when selling goods on Temu....
- [Grant voting](https://zenstage.wpengine.com/grant-voting)
- [Travel Agent Insurance](https://zenstage.wpengine.com/eo-insurance-for-travel-agents): E&O Insurance for Travel Agents Comprehensive errors and omissions (E&O) insurance for Canadian travel agents Get a Free Quotehttps://zenstage. wpengine....
- [Thrift Store Insurance](https://zenstage.wpengine.com/retail-insurance/thrift-store-insurance): Thrift Store Insurance Comprehensive, low-cost protection for thrift store and consignment store owners in Canada Get a Free Quotehttps://zenstage. wpengine....
- [Partner - Swoop](https://zenstage.wpengine.com/swoop): https://zenstage. wpengine. com/wp-content/uploads/2025/03/SwoopLogo_-DarkBlue-1024x372. png Zensurance + Swoop Exclusive, low-cost small business insurance for Swoop members Get a Free Quotehttps://zenstage. wpengine....
- [Partner - The Suite House](https://zenstage.wpengine.com/suitehouse): https://zenstage. wpengine. com/wp-content/uploads/2025/03/The-Suite-House-Logo-300x85. png Zensurance + The Suite House Exclusive, low-cost small business insurance for Suite House members Get a...
- [One of a Kind](https://zenstage.wpengine.com/one-of-a-kind): https://zenstage. wpengine. com/wp-content/uploads/2025/03/Zen-One. png
- [Login](https://zenstage.wpengine.com/login): Login We do not currently have a customer portal, but our friendly team of licensed brokers is ready to answer...
- [Psychotherapist Liability Insurance](https://zenstage.wpengine.com/psychotherapist-liability-insurance): Psychotherapist Liability Insurance Get comprehensive, low-cost liability insurance protection for Canadian psychotherapists. Get a Free Quotehttps://zenstage. wpengine. com/wp-content/uploads/2024/06/Psychotherapist. svghttps://zenstage. wpengine....
- [Apartment Building Insurance](https://zenstage.wpengine.com/landlord-insurance/apartment-building): Apartment Building Insurance Customized, low-cost commercial insurance for apartment buildings to protect property owners from the risks they face Get...
- [Cybercrime Insurance](https://zenstage.wpengine.com/cybercrime-insurance): Cybercrime Insurance Small businesses are big targets for cybercrime. Get comprehensive protection for your digital assets Get a Free Quotehttps://zenstage....
- [Home Business Insurance Ontario](https://zenstage.wpengine.com/ontario-business-liability-insurance/home-business): Home Business Insurance Ontario Protect your home-based business with customized, low-cost insurance Get a Free Quotehttps://zenstage. wpengine. com/wp-content/uploads/2024/10/Ontario-Home-Business-Insurance. svghttps://zenstage. wpengine....
- [BC Special Event Insurance](https://zenstage.wpengine.com/british-columbia-business-liability-insurance/special-event): Special Event Insurance BC Comprehensive, low-cost insurance to cover special events in British Columbia Get a Free Quotehttps://zenstage. wpengine. com/wp-content/uploads/2024/10/BC-Event-Insurance....
- [Event Insurance Ontario](https://zenstage.wpengine.com/ontario-business-liability-insurance/event-insurance-ontario): Event Insurance Ontario Comprehensive, low-cost insurance to cover special events in Canada’s most populous province Get a Free Quotehttps://zenstage. wpengine....
- [How to Protect Your Business Property in the Era of Climate Change](https://zenstage.wpengine.com/guides/how-to-protect-your-business-property-in-the-era-of-climate-change): How to Protect Your Business Property in the Era of Climate Change Natural disasters and extreme weather events are becoming...
- [Guide: The Small Business Artificial Intelligence (AI) Handbook](https://zenstage.wpengine.com/guides/the-small-business-artificial-intelligence-ai-handbook): The Small Business Artificial Intelligence (AI) Handbook AI can perform tasks that otherwise require human intelligence or intervention. But it...
- [Snow Removal Insurance Ontario](https://zenstage.wpengine.com/ontario-business-liability-insurance/snow-removal): Snow Removal Insurance Ontario Comprehensive, customized snow removal insurance for snow plow operators and companies across Ontario Get a Free...
- [Guide: A Guide to Small Business Insurance in Canada](https://zenstage.wpengine.com/guides/a-guide-to-small-business-insurance-in-canada): A Guide to Small Business Insurance in Canada Get an overview of various coverages any small business owner or self-employed...
- [Insurance Guides](https://zenstage.wpengine.com/guides): Insurance Guides Discover the different types of business liability insurance and learn how to choose the right coverage to protect...
- [Burlington Business Liability Insurance](https://zenstage.wpengine.com/burlington-business-liability-insurance): Business Insurance Burlington Looking for small business insurance for your Burlington business? Zensurance offers low-cost commercial insurance quotes starting at...
- [Richmond Business Liability Insurance](https://zenstage.wpengine.com/richmond-business-liability-insurance): Business Insurance Richmond Looking for affordable insurance for your business in Richmond? Zensurance offers low-cost small business insurance quotes starting...
- [BC Personal Trainer Insurance](https://zenstage.wpengine.com/british-columbia-business-liability-insurance/personal-trainer): Personal Trainer Insurance BC Customized, low-cost liability insurance for personal trainers across British Columbia Get a Free Quotehttps://zenstage. wpengine. com/wp-content/uploads/2024/02/Personal-Trainer....
- [Condo Rental Property Insurance](https://zenstage.wpengine.com/landlord-insurance/condo-rental-property): Condo Rental Property Insurance Low-cost, comprehensive insurance protection for condo rental property landlords Get a Free Quotehttps://zenstage. wpengine. com/wp-content/uploads/2024/05/Condo-Landlord-Insurance. svghttps://zenstage....
- [Hot Dog Cart Insurance](https://zenstage.wpengine.com/restaurant-insurance/hot-dog-cart): Hot Dog Cart Insurance Customized low-cost liability insurance for hot dog cart operators Get a Free Quotehttps://zenstage. wpengine. com/wp-content/uploads/2024/05/Hot-Dog-Cart-Insurance. svghttps://zenstage....
- [BC Restaurant Insurance](https://zenstage.wpengine.com/british-columbia-business-liability-insurance/restaurant): Restaurant Insurance BC Customized, low-cost insurance for restaurant owners across British Columbia Get a Free Quotehttps://zenstage. wpengine. com/wp-content/uploads/2024/04/Restaurant-Insurance-British-Columbia. svghttps://zenstage. wpengine....
- [Oshawa Business Liability Insurance](https://zenstage.wpengine.com/oshawa-business-liability-insurance): Business Insurance Oshawa Get low-cost small business insurance for your Oshawa business. Get a Free Quotehttps://zenstage. wpengine. com/wp-content/uploads/2024/04/Commercial-Insurance-Oshawa. svg Commercial...
- [Dog Trainer Insurance](https://zenstage.wpengine.com/pet-services-insurance/dog-training): Dog Trainer Insurance Customized, low-cost dog trainer liability insurance to safeguard your assets and reputation Get a Free Quotehttps://zenstage. wpengine....
- [Soccer Insurance](https://zenstage.wpengine.com/sports-insurance/soccer): Soccer Insurance Comprehensive, low-cost protection for soccer leagues, teams, administrators, coaches, and trainers Get a Free Quotehttps://zenstage. wpengine. com/wp-content/uploads/2024/03/Soccer-Insurance-from-Zensurance. svghttps://zenstage....
- [Partner - Amazon](https://zenstage.wpengine.com/zensurance-insurance-program): https://zenstage. wpengine. com/wp-content/uploads/2024/03/Zensurance-Amazon-Partnership. png Zensurance Insurance Program for Amazon Sellers Coverage Available For Canadian Domiciled Sellers Only Zensurance is partnering...
- [Sports Coach Insurance](https://zenstage.wpengine.com/sports-coach-insurance): Sports Coach Insurance Comprehensive insurance for sports coaches that protects their finances and reputations Get a Free Quotehttps://zenstage. wpengine. com/wp-content/uploads/2024/03/Sports-Coach-Insurance-1....
- [Dropshipping Insurance](https://zenstage.wpengine.com/e-commerce-insurance/dropshipping): Dropshipping Insurance Protect your business and customers with customized business insurance for dropshipping Get a Free Quotehttps://zenstage. wpengine. com/wp-content/uploads/2024/03/Dropshipping-Insurance. svg...
- [Moving Company Insurance](https://zenstage.wpengine.com/moving-company-insurance): Moving Company Insurance Get movers liability insurance and protect your small business from accidents, losses, and other liabilities Get a...
- [Side Hustle Insurance](https://zenstage.wpengine.com/side-hustle-insurance): Side Hustle Insurance Get customized, low-cost protection for your side hustle and protect your finances Get a Free Quotehttps://zenstage. wpengine....
- [Zensurance Business Contents Calculator](https://zenstage.wpengine.com/business-contents-calculator): Business Contents Calculator Try our free property insurance calculator to ensure your commercial property and contents are adequately protected https://zenstage....
- [Calculator](https://zenstage.wpengine.com/calculator)
- [Franchise Business Insurance](https://zenstage.wpengine.com/franchise-business-insurance): Franchise Insurance Get customized, low-cost franchise liability insurance for franchisees and protect your finances and assets Get a Free Quotehttps://zenstage....
- [Professional Liability Insurance Calgary](https://zenstage.wpengine.com/calgary-business-liability-insurance/professional-liability): Professional Liability Insurance Calgary Customized, low-cost professional liability insurance for small businesses and self-employed professionals in the Calgary Region. Get...
- [Drywall Contractor Insurance](https://zenstage.wpengine.com/contractor-insurance/drywaller): Drywall Contractor Insurance Ontario Comprehensive drywall insurance coverage for professional drywall contractors and installers in Ontario Get a Free Quotehttps://zenstage....
- [Partner - West Nova Chamber](https://zenstage.wpengine.com/wncc): https://zenstage. wpengine. com/wp-content/uploads/2024/01/WNCC-Logo. jpg West Nova Chamber of Commerce and Zensurance have partnered to help you save up to 35%...
- [Pharmacy Technician Insurance](https://zenstage.wpengine.com/pharmacy-technician-insurance): Pharmacy Technician Insurance Get comprehensive pharmacy techician insurance to safeguard your assets and reputation. Get a Free Quotehttps://zenstage. wpengine. com/wp-content/uploads/2023/12/Pharmacy-Technician-Insurance....
- [Special Event Insurance](https://zenstage.wpengine.com/event-insurance): Event Liability Insurance Get comprehensive event insurance and safeguard your assets from liability risks you face. Get a Free Quotehttps://zenstage....
- [Help Centre](https://zenstage.wpengine.com/help-centre): Help Centre https://zenstage. wpengine. com/wp-content/uploads/2023/11/FAQ-Claims. svg Claims Go to FAQshttps://zenstage. wpengine. com/wp-content/uploads/2023/11/FAQ-Billing. svg Billing Go to FAQs Claims FAQ Billing...
- [Auto Detailing Insurance](https://zenstage.wpengine.com/auto-detailing-insurance): Auto Detailing Business Insurance Get low-cost customized business insurance your auto detailing business Get a Free Quotehttps://zenstage. wpengine. com/wp-content/uploads/2023/10/Car-Detailer. svghttps://zenstage....
- [DJ Insurance](https://zenstage.wpengine.com/entertainment-insurance/dj): DJ Insurance Customized, comprehensive liability insurance for Canadian disc jockeys to safeguard their assets and reputations Get a Free Quotehttps://zenstage....
- [Laundromat and Dry Cleaner Insurance](https://zenstage.wpengine.com/retail-insurance/laundromat-and-dry-cleaner): Laundromat and Dry Cleaner Insurance Customized insurance to protect laundromats and dry cleaning service providers Get a Free Quotehttps://zenstage. wpengine....
- [Vape Shop Insurance](https://zenstage.wpengine.com/retail-insurance/vape-shop): Vape Shop Insurance Customized protection for vape shop owners to safeguard their assets from liability risks Get a Free Quotehttps://zenstage....
- [How Much Does General Liability Insurance Cost?](https://zenstage.wpengine.com/general-liability-insurance/cost): General Liability Insurance Cost Get details on what general liability insurance costs to protect your small business Get a Free...
- [Pet Grooming Insurance](https://zenstage.wpengine.com/pet-services-insurance/pet-grooming): Pet Groomer Insurance Protect your pet grooming business from liability risks with a comprehensive insurance policy. Get a Free Quotehttps://zenstage....
- [Restaurant Insurance Ontario](https://zenstage.wpengine.com/ontario-business-liability-insurance/restaurant): Restaurant Insurance Ontario Customized protection for restaurant owners in Ontario to cover their assets from liability risks Get a Free...
- [Errors and Omissions (E&O) Insurance BC](https://zenstage.wpengine.com/british-columbia-business-liability-insurance/errors-and-omissions): Errors and Omissions (E&O) Insurance BC Financial protection for professionals and small businesses in British Columbia that safeguards their assets...
- [Contractor Insurance Nova Scotia](https://zenstage.wpengine.com/nova-scotia-business-liability-insurance/contractor): Contractor Insurance Nova Scotia Comprehensive protection for general contractors and construction industry small businesses in Nova Scotia. Get a Free...
- [Professional Liability Insurance BC](https://zenstage.wpengine.com/british-columbia-business-liability-insurance/professional-liability): Professional Liability Insurance BC Comprehensive protection for business owners and self-employed professionals in British Columbia from risks associated with third-party...
- [Locksmith Insurance](https://zenstage.wpengine.com/contractor-insurance/locksmith): Locksmith Insurance Secure your locksmith business against liability risks with customized business insurance for locksmiths. Get a Free Quotehttps://zenstage. wpengine....
- [Errors and Omissions Insurance Alberta](https://zenstage.wpengine.com/alberta-business-liability-insurance/errors-and-omissions): Errors and Omissions (E&O) Insurance Alberta Comprehensive coverage for professionals and small businesses in Alberta that protects their assets if...
- [Basketball Insurance](https://zenstage.wpengine.com/sports-insurance/basketball): Basketball Insurance Basketball leagues, teams, coaches, and trainers face a range of liability risks. Get the comprehensive basketball camp insurance...
- [Grant - Terms and Conditions](https://zenstage.wpengine.com/grant-terms-and-conditions): 2026 Terms and Conditions ZENSURANCE “SMALL BUSINESS GRANT” PROMOTION ZENSURANCE SMALL BUSINESS GRANT promotion (referred to herein as the “Promotion”)...
- [Musician Insurance](https://zenstage.wpengine.com/entertainment-insurance/musician): Musician Insurance Customized music liability insurance protects musicians, bands, and musical artists from the risks they face. Get a Free...
- [Performer and Entertainer Insurance](https://zenstage.wpengine.com/entertainment-insurance/performer-and-entertainer): Performer and Entertainer Insurance Protect your professional entertainment career and reputation with a comprehensive liability insurance policy for performance artists....
- [Artisan and Crafter Insurance](https://zenstage.wpengine.com/retail-insurance/artisan-and-crafter): Artisan and Crafter Insurance Comprehensive coverage for artisans and crafters to protect their finances and reputations from damages, losses, and...
- [Information Technology Insurance](https://zenstage.wpengine.com/technology-insurance/it-professionals): Information Technology Insurance Information technology professionals and companies are liable for the products and services they provide to their clients....
- [Hockey Insurance](https://zenstage.wpengine.com/sports-insurance/hockey): Hockey Liability Insurance Canada’s favourite game poses liability risks for leagues, teams, coaches, and trainers. Get the comprehensive hockey insurance...
- [Journalist Insurance](https://zenstage.wpengine.com/journalist-insurance): Journalist Liability Insurance Professional journalists face numerous liability risks. A comprehensive journalist insurance policy is essential for protecting your career...
- [Caregiver Insurance](https://zenstage.wpengine.com/caregiver-insurance): Caregiver Insurance Customized insurance for private caregivers to protect them from the liabilities they face. Get a Free Quotehttps://zenstage. wpengine....
- [Holistic Health Practitioner Insurance](https://zenstage.wpengine.com/holistic-health-practitioner-insurance): Holistic Health Practitioner Insurance Protect your profession and finances with a customized holistic health insurance policy for practitioners. Get a...
- [Perks](https://zenstage.wpengine.com/perks): https://zenstage. wpengine. com/wp-content/uploads/2023/07/Perks-Page-Hero-Desktop. svghttps://zenstage. wpengine. com/wp-content/uploads/2023/07/Perks-Page-Hero-Mobile. svg Welcome to Zensurance Perks! Take advantage of exclusive partner offers and grow your...
- [Resources](https://zenstage.wpengine.com/resources)
- [Lifeguard and Swim Instructor Insurance](https://zenstage.wpengine.com/sports-insurance/lifeguard-and-swim-instructor): Lifeguard and Swim Instructor Insurance Protect your finances and reputation with a comprehensive lifeguard and swim instructor insurance policy. Get...
- [Craft Show Insurance](https://zenstage.wpengine.com/vendor-insurance/craft-show): Craft Show Insurance Protect your finances and assets from liabilities with customized craft show liability insurance. Get a Free Quotehttps://zenstage....
- [Cottage Rental Insurance](https://zenstage.wpengine.com/cottage-rental-insurance): Cottage Rental Insurance Protect your vacation rental property with a comprehensive cottage rental liability insurance policy. Get a Free Quotehttps://zenstage....
- [Notary E&O Insurance](https://zenstage.wpengine.com/notary-eo-insurance): Notary E&O Insurance Notary errors and omissions (E&O) insurance protects notaries by covering claims related to their professional services. Get...
- [Butcher Shop Insurance](https://zenstage.wpengine.com/retail-insurance/butcher-shop): Butcher Shop Insurance Comprehensive coverage for butcher shops and meat markets to shield them from the risks they face. Get...
- [Commercial Auto Insurance Nova Scotia](https://zenstage.wpengine.com/nova-scotia-business-liability-insurance/commercial-auto): Commercial Auto Insurance Nova Scotia Protect your company’s vehicles with a customized commercial auto or fleet vehicle insurance policy. Get...
- [HR Consultant Insurance](https://zenstage.wpengine.com/consultant-insurance/hr): HR Consultant Insurance Protect your profession from liabilities and risks with a comprehensive HR consultant insurance policy. Get a Free...

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## Posts

- [Back to School: 9 Reasons Why Tutors and Teachers Need Insurance](https://zenstage.wpengine.com/blog/back-to-school-7-reasons-why-tutors-and-teachers-need-insurance): As a new school year begins, it’s not just lesson plans that need reviewing – your protection does, too. From...
- [10 Common Warehouse Risks and How to Reduce Them](https://zenstage.wpengine.com/blog/10-common-warehouse-risks-and-how-to-reduce-them): Accidents, property damage, and unexpected losses can derail any warehouse operation. Here are the 10 most common warehouse hazards, practical...
- [What Small Businesses Need to Know About Cyber Insurance](https://zenstage.wpengine.com/blog/what-small-businesses-need-to-know-about-cyber-insurance): Data shows that 48% of Canadian small businesses have implemented any form of cyber defence, and only 22% have cyber...
- [Does Commercial Property Insurance Cover Overland Floods in Canada?](https://zenstage.wpengine.com/blog/does-commercial-property-insurance-include-protection-for-overland-floods): Increasingly frequent and severe flooding has been a primary driver of insured losses in Canada over the past five years....
- [21 Business Insurance Terms to Know in Canada](https://zenstage.wpengine.com/blog/21-business-insurance-terms-to-know): Business insurance policies are full of jargon – binders, perils, riders, exclusions. When buying or renewing a policy, use this...
- [What Is Heavy Equipment Insurance and What Does It Cover?](https://zenstage.wpengine.com/blog/what-is-heavy-equipment-insurance): Heavy machinery is highly mobile and expensive to replace. Construction companies and contractors who own or rent transportable tools or...
- [What Type of Insurance Do IT Consultants in Canada Need?](https://zenstage.wpengine.com/blog/what-type-of-insurance-do-it-consultants-in-canada-need): IT consultants require comprehensive insurance to minimize financial, legal, and operational risks and avoid financial turmoil. Most IT consultants in...
- [Heatwaves: How to Prepare Your Small Business for Extreme Heat](https://zenstage.wpengine.com/blog/heatwaves-how-to-prepare-your-small-business-for-extreme-heat): Business owners plan for burst pipes and icy walkways in winter, but extreme heat is easy to underestimate. Here's how...
- [What Type of Insurance Does a Doula Need?](https://zenstage.wpengine.com/blog/what-type-of-insurance-does-a-doula-need): Doulas provide non-medical emotional, physical, and informational support during life's biggest transitions, but that responsibility carries real liability risks. Here's...
- [How Does Product Liability Insurance Protect Business Owners in Canada?](https://zenstage.wpengine.com/blog/what-is-product-liability-insurance): Product liability insurance protects business owners against claims alleging their products caused third-party bodily injuries or property damage. Here's what...
- [What Insurance Do Personal Trainers and Fitness Instructors in Canada Need?](https://zenstage.wpengine.com/blog/do-personal-trainers-need-to-have-insurance): Personal fitness trainers and instructors working with individuals to help improve their physical health and achieve their fitness goals face...
- [Self-Employed Insurance in Canada: Coverage Every Freelancer and Solopreneur Needs](https://zenstage.wpengine.com/blog/what-you-need-to-know-about-self-employed-insurance): 70% of self-employed Canadians have no business insurance, leaving them one lawsuit away from financial ruin. Getting covered is easier...
- [What Is a Certificate of Insurance (COI)?](https://zenstage.wpengine.com/blog/what-is-a-certificate-of-insurance): A certificate of insurance (COI) is a one-page document issued by your insurer or broker that proves your business is...
- [10-Step Checklist for Starting a Small Business in Canada](https://zenstage.wpengine.com/blog/10-step-checklist-for-starting-a-small-business-in-canada): Ready to launch your business? Follow this 10-step checklist for starting a small business in Canada – from legal registration...
- [Do Consultants in Canada Need Liability Insurance?](https://zenstage.wpengine.com/blog/why-is-consultant-insurance-so-important): One misread recommendation or a project that falls short of a client's expectations can trigger a negligence claim or an...
- [Zensurance Small Business Grant 2026: Meet Our $10,000 and $1,000 Recipients](https://zenstage.wpengine.com/blog/zensurance-small-business-grant-2026-meet-our-10000-and-1000-recipients): Meet the Canadian small business owners taking home our two $10,000 grants – plus eight more finalists who each receive...
- [Commercial Auto Insurance in Canada: The Complete Guide for Business Owners](https://zenstage.wpengine.com/blog/what-is-commercial-auto-insurance-in-canada): Driving for work in Canada? Most personal car insurance won't cover accidents or damage when you're using your vehicle for...
- [What Do Changes to Commercial Auto Insurance in Ontario Mean for Your Business?](https://zenstage.wpengine.com/blog/what-do-changes-to-commercial-auto-insurance-in-ontario-mean-for-your-business): Ontario is making several accident benefits optional in commercial auto insurance policies starting July 1, 2026. Here's what's changing, who's...
- [Landlord Insurance in Canada: What It Covers and Why You Need It](https://zenstage.wpengine.com/blog/do-landlords-need-additional-insurance): Your standard home insurance policy probably doesn't cover your rental property, and that gap can cost you thousands. Here's exactly...
- [When Can the Canada Revenue Agency (CRA) Audit Your Small Business?](https://zenstage.wpengine.com/blog/when-can-the-canada-revenue-agency-cra-audit-your-small-business): Every business owner hopes they won’t experience a CRA audit, but it’s important to be prepared to deal with one...
- [Will Home Insurance Cover Your Airbnb or VRBO Rental?](https://zenstage.wpengine.com/blog/will-home-insurance-cover-your-airbnb-or-vrbo-rental): Renting your home on Airbnb or VRBO? Your home insurance probably won't cover you. Here's what Canadian short-term rental hosts...
- [9 Real Summertime Business Insurance Claims in Canada (And How They Were Covered)](https://zenstage.wpengine.com/blog/9-real-summertime-business-insurance-claims-in-canada-and-how-they-were-covered): Summer brings more customers, more activity – and more risk. Here are 9 real insurance claims our Canadian small business...
- [What Is Tools and Equipment Insurance?](https://zenstage.wpengine.com/blog/what-is-tools-and-equipment-insurance): Tools and equipment insurance covers portable tools, machinery, and equipment your business owns, rents, leases, or borrows, protecting them if...
- [How Much Does Landlord Insurance Cost in Canada?](https://zenstage.wpengine.com/blog/how-much-does-landlord-insurance-cost): Protecting your rental property and finances from expensive damages and liability claims requires a customized insurance policy that suits your...
- [World Cup Watch Parties: Is Your Restaurant or Bar Insurance Ready?](https://zenstage.wpengine.com/blog/world-cup-watch-parties-is-your-restaurant-or-bar-insurance-ready): Hosting a World Cup watch party at your restaurant, bar, or pub? There are real liability risks Canadian business owners...
- [Small Business Grants Ontario 2026: 20 Grants and Funding Programs for Small Businesses](https://zenstage.wpengine.com/blog/small-business-grants-ontario): Securing funding is essential for the innovation and growth of all small businesses and startups. This guide outlines 20 small...
- [What Insurance Do Media and Marketing Professionals in Canada Need?](https://zenstage.wpengine.com/blog/what-insurance-do-media-and-marketing-professionals-in-canada-need): Missed deadlines. Campaigns that don't land. A client who decides your work costs them money. These aren't hypotheticals, they're the...
- [What Is Pollution Liability Insurance in Canada?](https://zenstage.wpengine.com/blog/what-is-pollution-liability-insurance): One pollution incident can trigger a lawsuit that costs your business everything. Here's what pollution liability insurance covers, who in...
- [Yoga Instructor Insurance in Canada: A Complete Guide](https://zenstage.wpengine.com/blog/a-guide-to-yoga-instructor-insurance): Everything yoga instructors in Canada need to know about liability coverage – what it includes, what it costs, and how...
- [What Insurance Do Food Truck Operators in Canada Need? (Complete Guide)](https://zenstage.wpengine.com/blog/what-insurance-do-food-truck-operators-in-canada-need-complete-guide): Whether you're just starting out or already rolling, here's everything you need to know about food truck insurance in Canada,...
- [Dog Walker Insurance: What Coverage Do Dog Walkers in Canada Need?](https://zenstage.wpengine.com/blog/dog-walker-insurance-what-coverage-do-dog-walkers-in-canada-need): Whether dog walking is your full-time career or a side hustle, one accident or incident could cost you thousands. Here's...
- [Builders’ Risk Insurance in Canada: Coverage for Contractors and Property Owners](https://zenstage.wpengine.com/blog/builders-risk-insurance-in-canada-coverage-for-contractors-and-property-owners): A builders' risk insurance policy is a specialized type of property insurance designed to protect contractors and property owners throughout...
- [RV Park and Campground Insurance in Canada: What You Need and Why It Matters](https://zenstage.wpengine.com/blog/rv-park-and-campground-insurance-in-canada-what-you-need-and-why-it-matters): Running a campground or RV park in Canada means managing more risk than most business owners realize. A guest injury,...
- [Pool Cleaning Business Insurance: What Coverage Do Canadian Pool Cleaners Need?](https://zenstage.wpengine.com/blog/what-type-of-insurance-does-your-pool-cleaning-business-need): One chemical spill, one slip-and-fall, one stolen piece of equipment – any of these can cost your pool cleaning business...
- [What Happens If You Don’t Have Liability Insurance for Your Small Business in Canada?](https://zenstage.wpengine.com/blog/what-happens-if-you-dont-have-liability-insurance-for-your-small-business-in-canada): Running a small business without liability insurance? Here's exactly what you're risking – and why getting covered costs less than...
- [What Is an Additional Insured on a Business Insurance Policy?](https://zenstage.wpengine.com/blog/what-is-an-additional-insured): A client or landlord is asking you to add them to your insurance policy as an "additional insured", but what...
- [Does Your Landscaping or Lawn Care Business Have the Right Insurance?](https://zenstage.wpengine.com/blog/does-your-landscaping-or-lawn-care-business-have-the-right-insurance): Spring is here, and the busy season is ramping up. Landscaping and lawn care businesses across Canada need to make...
- [Think You Don’t Need Business Insurance? Here’s Why That Math Doesn’t Work](https://zenstage.wpengine.com/blog/think-you-dont-need-business-insurance-heres-why-that-math-doesnt-work): Think business insurance is a waste of money? Discover the real financial risks Canadian small business owners overlook, and why...
- [Emergency Preparedness Week 2026: 10 Tips for Small Businesses in Canada](https://zenstage.wpengine.com/blog/10-small-business-emergency-preparedness-tips): Emergency Preparedness Week 2026 runs from May 3 to 9. Is your small business ready for a flood, wildfire, or...
- [What Insurance Do Botox Practitioners Need in Canada? A Complete Coverage Guide](https://zenstage.wpengine.com/blog/what-insurance-do-botox-practitioners-need-in-canada-a-complete-coverage-guide): Malpractice insurance for Botox practitioners, aesthetic injectors, and nurses providing Botox, Dysport, and dermal filler treatments is vital to protecting...
- [What Should You Do If Your Small Business Has a Data Breach?](https://zenstage.wpengine.com/blog/what-should-you-do-if-your-small-business-has-a-data-breach): Small businesses in Canada are prime targets for cyberattacks and data breaches. Here's exactly what to do in the first...
- [Do I Need Insurance to Sell at a Farmers’ Market?](https://zenstage.wpengine.com/blog/do-i-need-insurance-to-sell-at-a-farmers-market): Selling at a Canadian farmers’ market? Most organizers require vendor insurance. Here’s a plain-language guide on what coverage you need...
- [What Is Professional Negligence – And What Happens If a Client Sues You?](https://zenstage.wpengine.com/blog/what-is-professional-negligence): A professional negligence claim can devastate your finances and reputation. Learn what it is, how it differs from misconduct, and...
- [Pest Control Business Insurance in Canada: 5 Types of Coverage You Need](https://zenstage.wpengine.com/blog/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....
- [Working Outside Your Province? Here's What Your Malpractice Insurance Actually Covers](https://zenstage.wpengine.com/blog/working-outside-your-province-heres-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...
- [Hot Torch Roofing Insurance: What You Need – and What Could Cost You If You Don't Have It](https://zenstage.wpengine.com/blog/what-a-hot-torch-roofing-insurance-policy-should-include): Torch-down roofing is one of the riskiest trades in the industry, and one accidental fire can wipe out your business....
- [What Liability Insurance Does a SaaS Business in Canada Need?](https://zenstage.wpengine.com/blog/what-liability-insurance-does-a-saas-business-in-canada-need): Software-as-a-Service (SaaS) companies in Canada face unique risks from outages and customer claims to cyber incidents and contract disputes. Here’s...
- [Why Contractors in Canada Need Year-Round Business Insurance (And Why Seasonal Coverage Costs More)](https://zenstage.wpengine.com/blog/why-contractors-in-canada-need-year-round-business-insurance-and-why-seasonal-coverage-costs-more): Thinking about cancelling or pausing your contractor insurance after your busy season? It could cost you more than you save....
- [Is Your Small Business Ready for Wildfire Season?](https://zenstage.wpengine.com/blog/is-your-small-business-ready-for-wildfire-season): Wildfire season in Canada now starts earlier and hits harder. Here's what small business owners need to know and do...
- [Is My Business Too Small to Need Liability Insurance? (Why Size Doesn’t Eliminate Risk)](https://zenstage.wpengine.com/blog/is-my-business-too-small-to-need-liability-insurance-why-size-doesnt-eliminate-risk): Think your business is too small for liability insurance? Sole proprietors, freelancers, and micro-businesses in Canada can still face lawsuits,...
- [What Is Course of Construction (COC) Insurance in Canada? Coverage, Cost, and Builders’ Risk Explained](https://zenstage.wpengine.com/blog/what-is-course-of-construction-coc-insurance-in-canada): Course of Construction (COC) insurance, also known as builders' risk insurance, protects a building, its materials, and certain project property...
- [Life Sciences Business Insurance in Canada: What Coverage Do Startups and Small Businesses Need?](https://zenstage.wpengine.com/blog/life-sciences-business-insurance-in-canada-what-coverage-do-startups-and-small-businesses-need): A practical guide to the types of insurance coverage life sciences startups and research companies in Canada may need, including...
- [Welding Liability Insurance in Canada: What Welders Need to Know](https://zenstage.wpengine.com/blog/welding-liability-insurance-in-canada-what-welders-need-to-know): See our practical guide for welders and welding companies in Canada. Learn about welding liability insurance, coverage options, and costs....
- [Zensurance $10,000 Business Grant Recipient: Next Level Property Management](https://zenstage.wpengine.com/blog/zensurance-10000-business-grant-recipient-next-level-property-management): Meet the recipients of our $10,000 grant and five $1,000 grants! We chatted with these business owners to get their...
- [Insurance Broker vs. Insurance Company: What’s the Difference?](https://zenstage.wpengine.com/blog/insurance-broker-vs-insurance-company-whats-the-difference): There are significant differences between insurance providers and insurance brokers, and working with a broker offers many benefits. Spoiler alert:...
- [How to Become a First-Time Landlord in Canada (2026 Guide)](https://zenstage.wpengine.com/blog/how-to-become-a-first-time-landlord-in-canada-2026-guide): A step-by-step guide to becoming a landlord in Canada. Learn landlord responsibilities, tenant screening tips, and how landlord insurance protects...
- [When Do I Need Liability Insurance for My Small Business in Canada?](https://zenstage.wpengine.com/blog/when-do-i-need-liability-insurance-for-my-small-business-in-canada): Starting or running a small business in Canada? Liability insurance feels like something you deal with later – but waiting...
- [Do I Really Need Liability Insurance for My Small Business in Canada? (Even If I’m Low Risk?)](https://zenstage.wpengine.com/blog/do-i-really-need-liability-insurance-for-my-small-business-in-canada-even-if-im-low-risk): All small businesses in Canada face some level of liability risk – even home-based, online, or one-person businesses. Without liability...
- [Why Do Insurers Ask for Your Small Business Revenue?](https://zenstage.wpengine.com/blog/how-to-declare-your-small-businesss-annual-revenues-and-why-it-matters): When you apply for business insurance in Canada, insurers often ask about your company’s annual and projected revenue. Here’s why...
- [Arborist Liability Insurance in Canada: What Coverage Do Tree Care Businesses Need?](https://zenstage.wpengine.com/blog/arborist-liability-insurance-in-canada-what-coverage-do-tree-care-businesses-need): Chainsaws. Heights. Heavy equipment. Tree work isn’t low-risk and neither are the financial consequences. Arborists and tree care professionals do...
- [Commercial Auto Insurance vs Personal Auto Insurance: What’s the Difference?](https://zenstage.wpengine.com/blog/commercial-auto-insurance-vs-personal-auto-insurance-whats-the-difference): If you use your vehicle for work in Canada, you need commercial auto insurance. Personal auto insurance usually won’t cover...
- [How to Start a Landscaping Business in Canada (Step-by-Step Guide for 2026)](https://zenstage.wpengine.com/blog/how-to-start-a-landscaping-business): Learn how to start a landscaping business in Canada, including startup costs, licensing requirements, equipment, pricing, and the insurance coverage...
- [What Insurance Do Online Sellers Need to Protect Against Customer Lawsuits in Canada?](https://zenstage.wpengine.com/blog/what-insurance-do-online-sellers-need-to-protect-against-customer-lawsuits-in-canada): Consumer lawsuits against Canadian online sellers and e-commerce businesses are common (and expensive). If you sell online – even part-time...
- [What Is Installation Floater Insurance in Canada?](https://zenstage.wpengine.com/blog/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...
- [Why Clients Ask for a Certificate of Insurance (COI) in Canada – and How to Get One Fast](https://zenstage.wpengine.com/blog/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...
- [8 Tax-Filing Tips for Sole Proprietors in Canada (2026 Tax Year Guide)](https://zenstage.wpengine.com/blog/8-tax-filing-tips-for-sole-proprietors): Tax season is approaching for sole proprietors and self-employed Canadians. This 2026 guide explains key deadlines, required forms, and practical...
- [What Type of Insurance Does a House Cleaner in Canada Need? (Coverage Explained)](https://zenstage.wpengine.com/blog/what-type-of-insurance-does-a-house-cleaner-need): House cleaners provide an essential service to Canadian households, but even small accidents can lead to costly claims. Here’s the...
- [What Is Hired and Non-Owned Commercial Auto Insurance?](https://zenstage.wpengine.com/blog/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...
- [How to Start a Business in Ontario: A Step-by-Step Guide for New Entrepreneurs](https://zenstage.wpengine.com/blog/how-to-start-a-business-in-ontario): Thinking about starting a business in Ontario? This beginner-friendly guide walks you through the key steps – from planning and...
- [What Is a Deductible in Small Business Insurance? (Definition, Examples & How It Works)](https://zenstage.wpengine.com/blog/what-is-a-deductible-for-small-business-insurance): A deductible is the amount your small business pays out of pocket when you file an insurance claim. Understanding how...
- [Why E-Commerce Insurance Matters for Online Sellers in Canada](https://zenstage.wpengine.com/blog/why-ecommerce-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...
- [What Happens If Your Small Business Gets Sued in Canada?](https://zenstage.wpengine.com/blog/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...
- [8 Real Business Insurance Claims Canadian Small Businesses Filed in 2025](https://zenstage.wpengine.com/blog/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...
- [15 Business Grants and Loans for Women in Canada (2026 Guide)](https://zenstage.wpengine.com/blog/15-business-grants-and-loans-for-women-in-canada): The Zensurance Small Business Grant is one of many options for Canadian women entrepreneurs and startups led by women that...
- [11 Expert Tips for Renewing Commercial Auto Insurance in Canada](https://zenstage.wpengine.com/blog/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...
- [Essential Insurance Policies Every Canadian General Contractor Needs in 2026](https://zenstage.wpengine.com/blog/essential-insurance-policies-every-canadian-general-contractor-needs-in-2026): General contractors, construction companies, and skilled trades professionals need the right insurance coverage to protect against liability, property damage, and...
- [Zensurance $25,000 Business Grant Recipient: Sol & Sage Yoga](https://zenstage.wpengine.com/blog/zensurance-25000-business-grant-recipient-sol-sage-yoga): We are thrilled to announce the recipient of our $25,000 grant and recipients of our five $1,000 grants! Read on...
- [How Canadian Small Businesses Can Use Artificial Intelligence (AI) to Increase Sales and Revenue](https://zenstage.wpengine.com/blog/how-canadian-small-businesses-can-use-artificial-intelligence-ai-to-increase-sales-and-revenue): Using AI effectively can help Canadian small businesses attract more customers, increase sales, and improve customer service, often without new...
- [Why Directors and Officers (D&O) Insurance in Canada Is Vital in 2026](https://zenstage.wpengine.com/blog/a-guide-to-directors-and-officers-do-insurance): As business insolvencies and bankruptcies rise, if your organization has a board of directors or senior officers, D&O insurance is...
- [Is Your Small Biz Underinsured? How to Tell and What to Do If It Is](https://zenstage.wpengine.com/blog/is-your-small-biz-underinsured-how-to-tell-and-what-to-do-if-it-is): Discovering your business is underinsured often happens after a loss, lawsuit, or cyber incident – when it’s already too late....
- [8 Reasons Why Your Small Business Needs Legal Services Insurance](https://zenstage.wpengine.com/blog/8-reasons-why-your-small-business-needs-legal-services-insurance): Legal services insurance may not be top-of-mind for small business owners, but it's vital coverage for a wide range of...
- [What Happens If Your Small Biz Doesn’t Have Workers’ Comp?](https://zenstage.wpengine.com/blog/what-happens-if-your-small-biz-doesnt-have-workers-comp): Failing to register your company with your province’s workers’ compensation board and going without workers’ comp insurance can lead to...
- [10 Questions to Ask Before Renewing Your Small Business Insurance](https://zenstage.wpengine.com/blog/10-questions-to-ask-before-renewing-your-small-business-insurance): Reviewing your business insurance coverage annually – especially at the start of a new year – is one of the...
- [5 Trends for 2026 Every Small Business Owner Should Know](https://zenstage.wpengine.com/blog/5-trends-for-2026-every-small-business-owner-should-know): See what’s hot for the year ahead with these five trends that Canadian small business owners and independent professionals should...
- [Canadian Small Business Tax Filing Tips for 2026](https://zenstage.wpengine.com/blog/canadian-small-business-tax-filing-tips): Tax season is fast approaching, and small business owners and self-employed professionals should start preparing now rather than later. Get...
- [Small Business Calendar 2026: Key Dates for Business Owners in Canada](https://zenstage.wpengine.com/blog/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...
- [Bundling Business Insurance: Can It Save You Money?](https://zenstage.wpengine.com/blog/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...
- [10 Ways to Safeguard Your Small Business During the Winter](https://zenstage.wpengine.com/blog/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...
- [Our 10 Most-Read Business Insurance Blog Articles of 2025](https://zenstage.wpengine.com/blog/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...
- [5 Businesses You Can Start With Less Than $1,000 in 2026](https://zenstage.wpengine.com/blog/5-businesses-you-can-start-with-less-than-1000-in-2026): In the digital economy, launching a business is increasingly accessible. Depending on the venture, you no longer need substantial startup...
- [Commercial Umbrella Insurance vs Excess Insurance: What’s the Difference?](https://zenstage.wpengine.com/blog/commercial-umbrella-insurance-vs-excess-insurance-whats-the-difference): A claim that exceeds a policy’s coverage limit, or businesses with exposure to risks that their existing policies may not...
- [10 Ideas to Grow Your Small Business in 2026](https://zenstage.wpengine.com/blog/what-is-s10-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...
- [What Is Short-Term Rental Insurance?](https://zenstage.wpengine.com/blog/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...
- [9 Common Winter Business Insurance Claims](https://zenstage.wpengine.com/blog/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...
- [How Canadian Landlords Can Prevent and Manage Frozen Water Pipes](https://zenstage.wpengine.com/blog/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....
- [Is Your Salon Ready for the Holidays? Insurance Tips for Beauticians](https://zenstage.wpengine.com/blog/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...
- [General Contractor vs Handyman: What’s the Difference?](https://zenstage.wpengine.com/blog/general-contractor-vs-handyman-whats-the-difference): Both general contractors and handymen address their customers’ repair and renovation needs, but the services they each provide – and...
- [Federal Budget 2025: How Does It Impact Small Businesses in Canada?](https://zenstage.wpengine.com/blog/federal-budget-2025-how-does-it-impact-small-businesses-in-canada): Although there are no tax cuts for small businesses, the 2025 federal budget is designed to foster business growth, encourage...
- [Do Dental Hygienists Need Malpractice Insurance?](https://zenstage.wpengine.com/blog/do-dental-hygienists-need-malpractice-insurance): Many dental hygienists have some liability protection through their employers; however, they’re not obligated to purchase coverage through their associations,...
- [How to Protect Your Business on Black Friday and Cyber Monday 2025](https://zenstage.wpengine.com/blog/how-to-protect-your-business-on-black-friday-and-cyber-monday-2025): The opportunity Black Friday, Cyber Monday, and the holiday season present also poses considerable liability risks for any small business...
- [How to Become a CrossFit Instructor](https://zenstage.wpengine.com/blog/how-to-become-a-crossfit-instructor): A CrossFit coach or instructor is a fitness professional trained to teach, motivate, and supervise individuals or groups performing high-intensity...

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## FAQs

- [Does a self-employed professional or sole proprietor need business insurance?](https://zenstage.wpengine.com/blog/faq-items/does-a-self-employed-professional-or-sole-proprietor-need-business-insurance): Yes. Even as a self-employed professional, sole proprietor, or freelancer, you’re exposed to risks like lawsuits, property damage, or client...
- [Does business insurance cover lawsuits?](https://zenstage.wpengine.com/blog/faq-items/does-business-insurance-cover-lawsuits): Yes. Most liability policies (like general liability or professional liability insurance) help cover legal defence fees, court costs, and settlements...
- [Does a home-based business need commercial insurance?](https://zenstage.wpengine.com/blog/faq-items/does-a-home-based-business-need-commercial-insurance): Yes. A home-based business often needs a commercial insurance policy. Standard homeowners insurance typically does not cover business-related risks.
- [What types of trucks are covered by a commercial truck insurance policy?](https://zenstage.wpengine.com/blog/faq-items/what-types-of-trucks-are-covered-by-a-commercial-truck-insurance-policy): Commercial truck insurance covers a broad range of trucks, including pickup trucks, utility vans, cube vans or box trucks, refrigerated...
- [Does personal auto insurance, or private-passenger auto insurance, cover commercial uses of a truck?](https://zenstage.wpengine.com/blog/faq-items/does-personal-auto-insurance-or-private-passenger-auto-insurance-cover-commercial-uses-of-a-truck): No. Personal or private-passenger auto insurance policies typically exclude coverage for vehicles of any type that are used for commercial...
- [How can I reduce the cost of an annual premium for a commercial truck insurance policy?](https://zenstage.wpengine.com/blog/faq-items/how-can-i-reduce-the-cost-of-an-annual-premium-for-a-commercial-truck-insurance-policy): There are a few things commercial truck owners can do to lower their annual premiums. These include hiring experienced drivers...
- [Is builder’s risk insurance required in the province of Ontario?](https://zenstage.wpengine.com/blog/faq-items/is-builders-risk-insurance-required-in-the-province-of-ontario): In general, no. However, financial institutions and project stakeholders may require it. It could also be a requirement to comply...
- [What happens if there’s a project delay because of a covered loss?](https://zenstage.wpengine.com/blog/faq-items/what-happens-if-theres-a-project-delay-because-of-a-covered-loss): Standard builder’s risk policies do not cover financial losses due to project delays, even if caused by an insurable loss....
- [What deductibles does a builder’s risk insurance policy have?](https://zenstage.wpengine.com/blog/faq-items/what-deductibles-does-a-builders-risk-insurance-policy-have): A deductible is the amount of money a policyholder must pay upfront when filing an insurance claim before an insurer...
- [Does Zumba instructor insurance cover online or virtual classes?](https://zenstage.wpengine.com/blog/faq-items/does-zumba-instructor-insurance-cover-online-or-virtual-classes): Yes. However, it’s important to inform your Zensurance broker if you conduct online or virtual training classes to ensure it’s...
- [Does Zumba teacher insurance cover me if I teach at multiple locations?](https://zenstage.wpengine.com/blog/faq-items/does-zumba-teacher-insurance-cover-me-if-i-teach-at-multiple-locations): Yes. Most policies will cover you wherever you conduct your classes in Canada (gyms, fitness centres, private studios, public spaces,...
- [Does a Zumba training instructor who is an employee at a private gym need their own policy?](https://zenstage.wpengine.com/blog/faq-items/does-a-zumba-training-instructor-who-is-an-employee-at-a-private-gym-need-their-own-policy): Employees are typically covered under the gym’s policy; however, this coverage is limited to services offered specifically by that gym....
- [Does a pickleball club need insurance if it doesn’t charge members fees?](https://zenstage.wpengine.com/blog/faq-items/does-a-pickleball-club-need-insurance-if-it-doesnt-charge-members-fees): Yes. Even free or informal clubs can be held liable for accidents, third-party bodily injuries, or third-party property damage.
- [Does a pickleball club need insurance to play on public courts?](https://zenstage.wpengine.com/blog/faq-items/does-a-pickleball-club-need-insurance-to-play-on-public-courts): Yes. Even if courts are public, your club can still be held liable for accidents or injuries that occur on...
- [Does pickleball insurance include coverage for tournaments and events?](https://zenstage.wpengine.com/blog/faq-items/does-pickleball-insurance-include-coverage-for-tournaments-and-events): You may need to purchase event insurance as an add-on for large events or tournaments involving spectators, vendors, or non-members....
- [What is not covered by a commercial property insurance policy?](https://zenstage.wpengine.com/blog/faq-items/what-is-not-covered-by-a-commercial-property-insurance-policy): All types of business insurance policies contain exclusions, or incidents and events that are not covered. Typical exclusions in a...
- [What’s the difference between replacement cost and actual cash value in a commercial property insurance policy?](https://zenstage.wpengine.com/blog/faq-items/whats-the-difference-between-replacement-cost-and-actual-cash-value-in-a-commercial-property-insurance-policy): Replacement cost and actual cash value commercial property coverage are two different methods used to determine compensation if a business...
- [Does commercial property insurance cover inventory that fluctuates throughout the year?](https://zenstage.wpengine.com/blog/faq-items/does-commercial-property-insurance-cover-inventory-that-fluctuates-throughout-the-year): Yes. Commercial property insurance helps protect a business’s inventory and merchandise year-round. However, it may be advisable to include a...
- [How can I get a certificate of insurance to prove I’m insured for my event?](https://zenstage.wpengine.com/blog/faq-items/how-can-i-get-a-certificate-of-insurance-to-prove-im-insured-for-my-event-2): After you purchase a special event liability insurance policy from Zensurance, we will email you a certificate of insurance within...
- [Does my special event insurance cover incidents that occur after the event?](https://zenstage.wpengine.com/blog/faq-items/does-my-special-event-insurance-cover-incidents-that-occur-after-the-event-2): No. Once your special event liability insurance policy expires, it will not cover damage or loss claims that occur after...
- [Does special event insurance cover a cancelled event?](https://zenstage.wpengine.com/blog/faq-items/does-special-event-insurance-cover-a-cancelled-event-2): If your event is cancelled or postponed due to unforeseen circumstances such as extreme weather or a natural disaster, you...
- [Does general liability insurance cover lawsuits launched by an unhappy customer?](https://zenstage.wpengine.com/blog/faq-items/does-general-liability-insurance-cover-lawsuits-launched-by-an-unhappy-customer): No. General liability insurance covers third-party bodily injury and property damage claims. E&O insurance covers an agency’s legal defence fees...
- [Does a home-based travel agent need liability insurance?](https://zenstage.wpengine.com/blog/faq-items/does-a-home-based-travel-agent-need-liability-insurance): Yes. Independent home-based travel agents face the same risks as in-office agents, including booking errors, cyber threats, and lawsuits from...
- [Does travel agent E&O insurance cover mistakes made on social media?](https://zenstage.wpengine.com/blog/faq-items/does-travel-agent-eo-insurance-cover-mistakes-made-on-social-media): Yes. E&O insurance for travel agents includes coverage for allegations of defamation, false advertising, or copyright infringement in marketing materials...
- [What are the appropriate coverage limits for my business’s policy?](https://zenstage.wpengine.com/blog/faq-items/what-are-the-appropriate-coverage-limits-for-my-businesss-policy): Consider various factors, such as the nature of the products you sell and the potential risks they may pose to...
- [Are there specific insurance requirements for selling certain products on Temu?](https://zenstage.wpengine.com/blog/faq-items/are-there-specific-insurance-requirements-for-selling-certain-products-on-temu): While Temu does not have specific insurance requirements, sellers of high-risk products, such as electronics and children’s toys, may need...
- [Does Temu require sellers to have insurance?](https://zenstage.wpengine.com/blog/faq-items/does-temu-require-sellers-to-have-insurance): While Temu doesn’t specifically require sellers to have insurance, it’s strongly advised that you get suitable coverage to safeguard your...
- [Does a thrift store insurance policy cover theft?](https://zenstage.wpengine.com/blog/faq-items/does-a-thrift-store-insurance-policy-cover-theft): Yes. Commercial property insurance covers theft, burglary, and vandalism. However, you may need to add commercial crime insurance to your...
- [What triggers a product recall?](https://zenstage.wpengine.com/blog/faq-items/what-triggers-a-product-recall): A product recall can be voluntarily issued by a manufacturer or distributor of a packaged product (including food) or ordered...
- [Does consignment store or thrift store insurance cover online sales?](https://zenstage.wpengine.com/blog/faq-items/does-consignment-store-or-thrift-store-insurance-cover-online-sales): If your shop uses a third-party e-commerce marketplace such as Etsy or eBay to sell used goods online, you may...
- [Will commercial auto insurance cover me if my tools are stolen from my business vehicle?](https://zenstage.wpengine.com/blog/faq-items/will-commercial-auto-insurance-cover-me-if-my-tools-are-stolen-from-my-business-vehicle): No, a commercial auto insurance policy typically does not cover the theft of tools or equipment from a vehicle. While...
- [Is a pickup truck considered a commercial vehicle?](https://zenstage.wpengine.com/blog/faq-items/is-a-pickup-truck-considered-a-commercial-vehicle-2): In general, most provinces consider pickup trucks to be commercial motor vehicles if they are used for commercial or business...
- [If I use my personal vehicle for business purposes and get into a collision, will my personal auto policy cover me?](https://zenstage.wpengine.com/blog/faq-items/if-i-use-my-personal-vehicle-for-business-purposes-and-get-into-a-collision-will-my-personal-auto-policy-cover-me): Not necessarily. If the insurer for your existing personal auto policy is unaware you are using your private vehicle for...
- [How is the grant prize winner selected?](https://zenstage.wpengine.com/blog/faq-items/how-is-the-grant-prize-winner-selected): A shortlist of six (6) entries will be selected by a panel of judges on August 6, 2025, from the...
- [What is classified as a Canadian small business?](https://zenstage.wpengine.com/blog/faq-items/what-is-classified-as-a-canadian-small-business): To be eligible for this Promotion, you must be a budding entrepreneur and/or the owner of a small business (“participant”),...
- [Do I need to be a customer?](https://zenstage.wpengine.com/blog/faq-items/do-i-need-to-be-a-customer): No purchase necessary. Making a purchase will not in any way increase or otherwise impact your chances of selection as...
- [Are my tenants’ personal belongings covered by an owner’s apartment building insurance policy?](https://zenstage.wpengine.com/blog/faq-items/are-my-tenants-personal-belongings-covered-by-an-owners-apartment-building-insurance-policy): No. It’s wise to encourage or require your tenants to carry tenants’ or renters’ insurance. Tenants’ insurance covers damages to...
- [Does apartment building insurance cover damages caused by a natural disaster?](https://zenstage.wpengine.com/blog/faq-items/does-apartment-building-insurance-cover-damages-caused-by-a-natural-disaster): Most policies cover some natural disasters like wildfires and windstorms but may exclude others like overland floods and earthquakes. Owners...
- [How can I keep the premium for an apartment building insurance policy as low as possible?](https://zenstage.wpengine.com/blog/faq-items/how-can-i-keep-the-premium-for-an-apartment-building-insurance-policy-as-low-as-possible): Keeping your premium as low as possible requires implementing safety measures (such as security systems and fire alarms), maintaining the...
- [Does my special event insurance cover incidents that occur after the event?](https://zenstage.wpengine.com/blog/faq-items/does-my-special-event-insurance-cover-incidents-that-occur-after-the-event): No. Once your special event liability insurance policy expires, it will not cover damage or loss claims that occur after...
- [How can I get a certificate of insurance to prove I’m insured for my event?](https://zenstage.wpengine.com/blog/faq-items/how-can-i-get-a-certificate-of-insurance-to-prove-im-insured-for-my-event): After purchasing a special event liability insurance policy from Zensurance, we will email you a certificate of insurance in 24...
- [Does special event insurance cover a cancelled event?](https://zenstage.wpengine.com/blog/faq-items/does-special-event-insurance-cover-a-cancelled-event): If your event is cancelled or postponed due to unforeseen circumstances such as extreme weather or a natural disaster, you...
- [Does home-based business insurance cover me if I work at a client’s location?](https://zenstage.wpengine.com/blog/faq-items/does-home-based-business-insurance-cover-me-if-i-work-at-a-clients-location): Yes. Both commercial general liability insurance and E&O insurance extend to cover your liabilities while working at client locations.
- [What is not covered by home-based business insurance?](https://zenstage.wpengine.com/blog/faq-items/what-is-not-covered-by-home-based-business-insurance): Common exclusions in a home-based business insurance policy may include intentional acts, and your personal property is not used for...
- [What types of cybercrime are typically covered by a cybercrime insurance policy?](https://zenstage.wpengine.com/blog/faq-items/what-types-of-cybercrime-are-typically-covered-by-a-cybercrime-insurance-policy): Cybercrime insurance usually covers ransomware attacks, funds transfer fraud, phishing scams, social engineering, and cyber extortion, as well as losses...
- [Does cybercrime insurance cover business interruption losses?](https://zenstage.wpengine.com/blog/faq-items/does-cybercrime-insurance-cover-business-interruption-losses): Cybercrime insurance can cover business interruption losses if a cyber-attack causes your business to shut down temporarily, including lost income...
- [How can a business keep the cost of cybercrime insurance as low as possible?](https://zenstage.wpengine.com/blog/faq-items/how-can-a-business-keep-the-cost-of-cybercrime-insurance-as-low-as-possible): Ensure your business has strong cybersecurity measures, including firewalls, antivirus software, regularly use data encryption, and multifactor authentication to access...
- [Does a snow removal business need professional liability insurance?](https://zenstage.wpengine.com/blog/faq-items/does-a-snow-removal-business-need-professional-liability-insurance): Professional liability insurance, or errors and omissions (E&O) insurance, covers claims related to mistakes or negligence in your work. It...
- [Are there specific exclusions in what a snow removal insurance policy will cover?](https://zenstage.wpengine.com/blog/faq-items/are-there-specific-exclusions-in-what-a-snow-removal-insurance-policy-will-cover): Yes. All liability insurance policies contain exclusions. An exclusion is a provision that removes your coverage for certain risks, hazards,...
- [How can I keep an annual snow removal insurance premium as low as possible?](https://zenstage.wpengine.com/blog/faq-items/how-can-i-keep-an-annual-snow-removal-insurance-premium-as-low-as-possible): There are a few steps business owners and snow removal contractors can take to keep the cost of their policies...
- [Does psychotherapist insurance include coverage for patient sessions hosted online?](https://zenstage.wpengine.com/blog/faq-items/does-psychotherapist-insurance-include-coverage-for-patient-sessions-hosted-online): Psychotherapist insurance usually covers online sessions, but it depends on the terms and conditions and exclusions in your policy’s details....
- [Does commercial property insurance cover a leased or rented office space?](https://zenstage.wpengine.com/blog/faq-items/does-commercial-property-insurance-cover-a-leased-or-rented-office-space): Yes. Commercial property insurance covers unforeseen damages to a leased or rented office and any improvements you make to that...
- [Does psychotherapist professional liability insurance cover claims or lawsuits for past incidents?](https://zenstage.wpengine.com/blog/faq-items/does-psychotherapist-professional-liability-insurance-cover-claims-or-lawsuits-for-past-incidents): Most professional liability insurance policies operate on a claims-made basis to cover claims made during an active policy period. Speak...
- [Is hot dog cart liability insurance required to sell food at public events and festivals?](https://zenstage.wpengine.com/blog/faq-items/is-hot-dog-cart-liability-insurance-required-to-sell-food-at-public-events-and-festivals): Yes, hot dog cart liability insurance is required to sell food at public events and festivals.
- [Does hot dog cart insurance cover me if my cart is vandalized or stolen?](https://zenstage.wpengine.com/blog/faq-items/does-hot-dog-cart-insurance-cover-me-if-my-cart-is-vandalized-or-stolen): If your policy includes commercial property insurance, your hot dog cart and inventory are covered for damages to your cart...
- [Will hot dog cart insurance cover me if a customer sues me?](https://zenstage.wpengine.com/blog/faq-items/will-hot-dog-cart-insurance-cover-me-if-a-customer-sues-me): Yes. Hot dog cart insurance typically covers your legal fees and expenses for covered liabilities per your policy’s details and...
- [Does condo rental insurance for landlords cover intentional damage caused by a tenant?](https://zenstage.wpengine.com/blog/faq-items/does-condo-rental-insurance-for-landlords-cover-intentional-damage-caused-by-a-tenant): No. Condo rental insurance for landlords typically does not cover intentional damage caused by a tenant, such as vandalism or...
- [Does insurance for a rental condo cover my tenants?](https://zenstage.wpengine.com/blog/faq-items/does-insurance-for-a-rental-condo-cover-my-tenants): No. A landlord’s or owner’s condo rental insurance policy does not provide coverage for a tenant’s belongings or their liability...
- [Can I cancel a condo rental insurance policy if my unit is unoccupied?](https://zenstage.wpengine.com/blog/faq-items/can-i-cancel-a-condo-rental-insurance-policy-if-my-unit-is-unoccupied): You may be able to cancel or modify your policy if the unit is unoccupied for an extended period. However,...
- [Does restaurant insurance cover legal expenses if I’m sued?](https://zenstage.wpengine.com/blog/faq-items/does-restaurant-insurance-cover-legal-expenses-if-im-sued): Yes. A customized restaurant insurance policy from Zensurance includes coverage for the business owner’s legal advice and defence expenses if...
- [What does a restaurant owner need to do if they have to file an insurance claim?](https://zenstage.wpengine.com/blog/faq-items/what-does-a-restaurant-owner-need-to-do-if-they-have-to-file-an-insurance-claim): If you need to file a claim for damages or losses to your restaurant, contact Zensurance immediately by calling us...
- [Do restaurant owners need to add ‘umbrella insurance’ to their policies?](https://zenstage.wpengine.com/blog/faq-items/do-restaurant-owners-need-to-add-umbrella-insurance-to-their-policies): Umbrella liability insurance provides additional liability coverage for damages exceeding your general liability or commercial auto insurance coverage limits following...
- [Does landscaping insurance cover damages to a client’s property caused by landscaping mistakes or errors?](https://zenstage.wpengine.com/blog/faq-items/does-landscaping-insurance-cover-damages-to-a-clients-property-caused-by-landscaping-mistakes-or-errors): You need to include errors and omissions (E&O) insurance in your policy to cover claims of professional negligence, mistakes, errors,...
- [Does my landscaping insurance policy cover their work if I hire part-time or seasonal employees?](https://zenstage.wpengine.com/blog/faq-items/does-my-landscaping-insurance-policy-cover-their-work-if-i-hire-part-time-or-seasonal-employees): No. A landscaping insurance policy only covers your full-time employees up to its specified coverage limit. If you hire part-time...
- [My company only provides lawn care and basic lawn mowing services. Do I need a landscaping insurance policy?](https://zenstage.wpengine.com/blog/faq-items/my-company-only-provides-lawn-care-and-basic-lawn-mowing-services-do-i-need-a-landscaping-insurance-policy): Yes. Although cutting grass seems like a low-risk service, you could always face a third-party bodily injury or property damage...
- [Does dog training liability insurance cover remote or online training sessions?](https://zenstage.wpengine.com/blog/faq-items/does-dog-training-liability-insurance-cover-remote-or-online-training-sessions): Coverage for remote or online training services may vary among insurance providers. If you offer virtual dog training sessions, speak...
- [Does dog training liability insurance cover trainers for all types of dog breeds?](https://zenstage.wpengine.com/blog/faq-items/does-dog-training-liability-insurance-cover-trainers-for-all-types-of-dog-breeds): Some insurers may have restrictions or exclusions for specific dog breeds with a perceived higher risk of aggression or bite...
- [Does dog training liability insurance cover training sessions conducted in a public park or at a customer’s home?](https://zenstage.wpengine.com/blog/faq-items/does-dog-training-liability-insurance-cover-training-sessions-conducted-in-a-public-park-or-at-a-customers-home): Yes. Dog training liability insurance typically covers training sessions conducted in various locations, including public parks, a customer’s home, training...
- [Do referees and league officials need soccer liability insurance?](https://zenstage.wpengine.com/blog/faq-items/do-referees-and-league-officials-need-soccer-liability-insurance): Yes. Referees and officials responsible for officiating soccer matches and tournaments may face lawsuits, claims, or allegations of negligence arising...
- [What types of third-party bodily injuries to players does a soccer insurance policy cover?](https://zenstage.wpengine.com/blog/faq-items/what-types-of-third-party-bodily-injuries-to-players-does-a-soccer-insurance-policy-cover): Many insurers offer participant injury coverage within a soccer liability insurance policy to cover participants in a soccer game under...
- [Does soccer liability insurance cover auto collisions or accidents?](https://zenstage.wpengine.com/blog/faq-items/does-soccer-liability-insurance-cover-auto-collisions-or-accidents): If you have commercial auto insurance as part of your soccer liability policy, yes, a transportation-related accident involving a team...
- [Does product liability insurance cover me if I also sell on other third-party marketplaces?](https://zenstage.wpengine.com/blog/faq-items/does-product-liability-insurance-cover-me-if-i-also-sell-on-other-third-party-marketplaces): Yes. Whether your business is a private label seller, wholesaler, or retail shop that uses Amazon or any online marketplace...
- [What is the difference between liability insurance and cargo insurance for moving companies?](https://zenstage.wpengine.com/blog/faq-items/what-is-the-difference-between-liability-insurance-and-cargo-insurance-for-moving-companies): Liability insurance (such as general liability or commercial auto insurance) covers damages and injuries to third parties, while cargo insurance...
- [Do moving companies need insurance for their storage facilities?](https://zenstage.wpengine.com/blog/faq-items/do-moving-companies-need-insurance-for-their-storage-facilities): Yes. Any moving company offering storage services needs coverage for their storage facilities, including commercial property insurance to protect the...
- [Does moving company insurance cover damage caused by improper packing or handling by customers?](https://zenstage.wpengine.com/blog/faq-items/does-moving-company-insurance-cover-damage-caused-by-improper-packing-or-handling-by-customers): No. Your coverage may not extend to damage caused by customers’ improper packing or handling of goods. Educate your customers...
- [Does dropshipping insurance cover products shipped to customers outside of Canada?](https://zenstage.wpengine.com/blog/faq-items/does-dropshipping-insurance-cover-products-shipped-to-customers-outside-of-canada): It depends on your policy’s terms, conditions, and exclusions. A dropshipping insurance policy’s coverage terms and exclusions may vary depending...
- [Can dropshipping insurance help protect my business against customer chargebacks?](https://zenstage.wpengine.com/blog/faq-items/can-dropshipping-insurance-help-protect-my-business-against-customer-chargebacks): Yes. Dropshipping insurance, which includes product liability coverage, is designed to cover financial losses due to chargebacks, customer disputes, fraud,...
- [Do I need dropshipping insurance if I already have product liability insurance?](https://zenstage.wpengine.com/blog/faq-items/do-i-need-dropshipping-insurance-if-i-already-have-product-liability-insurance): Although product liability insurance covers risks associated with products you sell to customers, dropshipping insurance covers you for specific risks...
- [Does sports coach insurance cover volunteer coaches?](https://zenstage.wpengine.com/blog/faq-items/does-sports-coach-insurance-cover-volunteer-coaches): Yes. Sports coach liability insurance covers volunteer coaches, although the level of coverage and eligibility may vary depending on the...
- [Does a sports coach insurance policy cover allegations of professional misconduct?](https://zenstage.wpengine.com/blog/faq-items/does-a-sports-coach-insurance-policy-cover-allegations-of-professional-misconduct): Yes. Sports coach liability insurance that includes professional liability coverage may cover claims alleging professional misconduct, negligence, errors or omissions...
- [Why do amateur sports coaches need liability insurance?](https://zenstage.wpengine.com/blog/faq-items/why-do-amateur-sports-coaches-need-liability-insurance): Sports coaches need liability insurance to protect themselves from potential lawsuits related to player injuries, third-party property damage, professional negligence,...
- [Can a sole proprietor or independent contractor get drywall insurance?](https://zenstage.wpengine.com/blog/faq-items/can-a-sole-proprietor-or-independent-contractor-get-drywall-insurance): Yes. Sole proprietors and independent contractors can obtain drywall insurance. It’s important to have coverage before embarking on any construction...
- [Is professional liability insurance included in drywall insurance?](https://zenstage.wpengine.com/blog/faq-items/is-professional-liability-insurance-included-in-drywall-insurance): No. Professional liability insurance, also known as errors and omissions (E&O) insurance, is not typically included in a drywall contractor...
- [What happens if a drywaller doesn’t have insurance and is sued?](https://zenstage.wpengine.com/blog/faq-items/what-happens-if-a-drywaller-doesnt-have-insurance-and-is-sued): If you don’t have drywall insurance and you’re sued for damages or injuries related to your work, you could be...
- [Can I get insurance if my side hustle operates from home?](https://zenstage.wpengine.com/blog/faq-items/can-i-get-insurance-if-my-side-hustle-operates-from-home): Yes. Whether a side hustle or full-time occupation, all home-based businesses should have a business insurance policy. Contrary to popular...
- [Does my side hustle insurance cover special events?](https://zenstage.wpengine.com/blog/faq-items/does-my-side-hustle-insurance-cover-special-events): Some side hustle insurance policies may cover special events, but it depends on the policy’s terms, conditions, exclusions, and endorsements....
- [Do I need business insurance if my side hustle is only part-time?](https://zenstage.wpengine.com/blog/faq-items/do-i-need-business-insurance-if-my-side-hustle-is-only-part-time): Yes. Most side hustles or side jobs you have require business liability insurance to protect your finances from accidents, unexpected...
- [Do franchisees need insurance if the franchisor provides some coverage?](https://zenstage.wpengine.com/blog/faq-items/do-franchisees-need-insurance-if-the-franchisor-provides-some-coverage): While your franchisor may provide some liability coverage, it is often limited or has gaps, exposing you to financial losses...
- [Does my franchise need umbrella liability insurance?](https://zenstage.wpengine.com/blog/faq-items/does-my-franchise-need-umbrella-liability-insurance): Umbrella liability insurance provides additional coverage beyond the limits of your primary policy. It offers extra protection if a large...
- [Are franchisees required to purchase insurance through the franchisor's recommended provider?](https://zenstage.wpengine.com/blog/faq-items/are-franchisees-required-to-purchase-insurance-through-the-franchisors-recommended-provider): Not necessarily. While some franchisors may have preferred insurance providers, franchisees can choose their insurance company or broker. Regardless, ensuring...
- [Are legal defence costs covered even if a claim against me is meritless or unfounded?](https://zenstage.wpengine.com/blog/faq-items/are-legal-defence-costs-covered-even-if-a-claim-against-me-is-meritless-or-unfounded): Yes. A pharmacy technician liability insurance policy covers your legal defence costs, even if the claim against you is unfounded,...
- [Does pharmacy tech liability insurance cover all types of pharmacy practice settings?](https://zenstage.wpengine.com/blog/faq-items/does-pharmacy-tech-liability-insurance-cover-all-types-of-pharmacy-practice-settings): Coverage can vary among policies. Policies may differ for those working in community pharmacies, hospitals, or other healthcare facilities. Speak...
- [How much coverage does my pharmacy technician insurance policy require?](https://zenstage.wpengine.com/blog/faq-items/how-much-coverage-does-my-pharmacy-technician-insurance-policy-require): Your policy’s coverage limit depends on the minimum amount of insurance required by your provincial regulator, your pharmacy practice setting,...
- [Does Syzl maker insurance also cover independent kitchen and serving staff I hire short-term?](https://zenstage.wpengine.com/blog/faq-items/does-syzl-maker-insurance-also-cover-independent-kitchen-and-serving-staff-i-hire-short-term): No. Your policy only covers you and your full-time employees. Independent kitchen staff or other professionals you hire short-term should...
- [How much liability insurance should I buy?](https://zenstage.wpengine.com/blog/faq-items/how-much-liability-insurance-should-i-buy): The amount of coverage, or your policy’s coverage limit, depends on your risk exposure and other factors, such as your...
- [Does Syzl maker liability insurance cover my legal defence costs if I’m sued?](https://zenstage.wpengine.com/blog/faq-items/does-syzl-maker-liability-insurance-cover-my-legal-defence-costs-if-im-sued): Yes. Liability insurance typically covers legal defence costs, including attorney fees, court expenses, and settlement payments. Paying for legal defence...
- [Does special event insurance cover cancellations?](https://zenstage.wpengine.com/blog/faq-items/does-special-event-insurance-cover-cancellations): If your event is cancelled or postponed due to unforeseen circumstances such as extreme weather, you may require additional coverage...
- [Does my event insurance policy cover incidents that occur after the event?](https://zenstage.wpengine.com/blog/faq-items/does-my-event-insurance-policy-cover-incidents-that-occur-after-the-event): No. Once your special event liability insurance policy expires, it will not cover damage or loss claims that occur after...
- [How can I get a certificate of insurance for an event?](https://zenstage.wpengine.com/blog/faq-items/how-can-i-get-a-certificate-of-insurance-for-an-event): After purchasing a special event liability insurance policy from Zensurance, we will email you a certificate of insurance in 24...
- [I just submitted a claim. What happens next?](https://zenstage.wpengine.com/blog/faq-items/i-just-submitted-a-claim-what-happens-next): After reporting a claim, the Zensurance claims team reviews the details and will contact you to confirm it has been...
- [Does Zensurance handle my claim?](https://zenstage.wpengine.com/blog/faq-items/does-zensurance-handle-my-claim): As insurance brokers, Zensurance is not directly responsible for handling claims. Instead, claims are typically managed either by your insurer...

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# Detailed Content


## Pages

- Published: 2026-07-21
- Modified: 2026-07-28
- URL: https://zenstage.wpengine.com/faq-video-library/is-your-small-business-too-small-for-liability-insurance-the-truth
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- Published: 2026-07-14
- Modified: 2026-07-28
- URL: https://zenstage.wpengine.com/faq-video-library/what-is-a-certificate-of-insurance-coi-and-how-do-you-get-one
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- Published: 2026-06-24
- Modified: 2026-06-24
- URL: https://zenstage.wpengine.com/contest-terms-and-conditions
---

- Published: 2026-06-19
- Modified: 2026-07-28
- URL: https://zenstage.wpengine.com/faq-video-library/what-is-errors-omissions-insurance-and-does-your-business-need-it
---

- Published: 2026-06-12
- Modified: 2026-06-12
- URL: https://zenstage.wpengine.com/faq-video-library/how-much-does-small-business-insurance-cost-in-canada-2026-pricing-guide
---

- Published: 2026-06-04
- Modified: 2026-07-28
- URL: https://zenstage.wpengine.com/faq-video-library/do-i-need-cyber-insurance-if-i-store-client-information-canada-small-business-guide
---

- Published: 2026-05-28
- Modified: 2026-07-28
- URL: https://zenstage.wpengine.com/faq-video-library/do-subcontractors-need-insurance
---

- Published: 2026-05-21
- Modified: 2026-07-28
- URL: https://zenstage.wpengine.com/faq-video-library/do-i-need-business-insurance-for-side-hustle-projects-canada-explained
---

- Published: 2026-05-14
- Modified: 2026-07-28
- URL: https://zenstage.wpengine.com/faq-video-library/zensurance-real-business-insurance-experts-real-advice
---

- Published: 2026-05-06
- Modified: 2026-07-28
- URL: https://zenstage.wpengine.com/faq-video-library/do-you-need-business-insurance-if-you-work-from-home-in-canada
---

- Published: 2026-04-20
- Modified: 2026-05-14
- URL: https://zenstage.wpengine.com/faq-video-library
---

- Published: 2026-04-17
- Modified: 2026-07-28
- URL: https://zenstage.wpengine.com/faq-video-library/do-i-really-need-business-insurance-in-canada
---

- Published: 2026-04-13
- Modified: 2026-04-14
- URL: https://zenstage.wpengine.com/zensurance-partnerships
---

- Published: 2026-03-25
- Modified: 2026-03-25
- URL: https://zenstage.wpengine.com/sbg-form
---

- Published: 2026-02-02
- Modified: 2026-02-17
- URL: https://zenstage.wpengine.com/grant
---

- Published: 2026-01-21
- Modified: 2026-01-28
- URL: https://zenstage.wpengine.com/sst-faq
---

- Published: 2025-09-26
- Modified: 2026-02-26
- URL: https://zenstage.wpengine.com/guides/cyber-liability-insurance-how-to-protect-your-small-business-from-cyber-threats
---

- Published: 2025-08-13
- Modified: 2025-08-26
- URL: https://zenstage.wpengine.com/commercial-truck-insurance
---

- Published: 2025-07-29
- Modified: 2026-04-21
- URL: https://zenstage.wpengine.com/wave
---

- Published: 2025-07-22
- Modified: 2026-05-07
- URL: https://zenstage.wpengine.com/telus-referral-terms-and-conditions
---

- Published: 2025-07-10
- Modified: 2025-08-15
- URL: https://zenstage.wpengine.com/product-recall-insurance
---

- Published: 2025-06-25
- Modified: 2025-07-10
- URL: https://zenstage.wpengine.com/renewals
---

- Published: 2025-06-20
- Modified: 2025-07-10
- URL: https://zenstage.wpengine.com/ontario-business-liability-insurance/builders-risk-insurance
---

- Published: 2025-06-10
- Modified: 2026-01-15
- URL: https://zenstage.wpengine.com/sports-insurance/zumba-instructor
---

- Published: 2025-06-05
- Modified: 2026-01-15
- URL: https://zenstage.wpengine.com/sports-insurance/pickleball-club
---

- Published: 2025-05-21
- Modified: 2026-01-15
- URL: https://zenstage.wpengine.com/ontario-business-liability-insurance/commercial-property-insurance
---

- Published: 2025-04-11
- Modified: 2025-04-20
- URL: https://zenstage.wpengine.com/landlord-insurance/what-does-landlord-insurance-cover
---

- Published: 2025-04-08
- Modified: 2025-04-20
- URL: https://zenstage.wpengine.com/retail-insurance/temu-seller-insurance
---

- Published: 2025-03-20
- Modified: 2025-04-22
- URL: https://zenstage.wpengine.com/eo-insurance-for-travel-agents
---

- Published: 2025-03-19
- Modified: 2025-08-15
- URL: https://zenstage.wpengine.com/retail-insurance/thrift-store-insurance
---

- Published: 2025-03-14
- Modified: 2026-01-16
- URL: https://zenstage.wpengine.com/swoop
---

- Published: 2025-03-12
- Modified: 2026-01-16
- URL: https://zenstage.wpengine.com/suitehouse
---

- Published: 2025-03-10
- Modified: 2025-03-10
- URL: https://zenstage.wpengine.com/login
---

- Published: 2025-02-11
- Modified: 2025-07-10
- URL: https://zenstage.wpengine.com/psychotherapist-liability-insurance
---

- Published: 2025-02-10
- Modified: 2025-07-10
- URL: https://zenstage.wpengine.com/landlord-insurance/apartment-building
---

- Published: 2025-01-28
- Modified: 2025-09-09
- URL: https://zenstage.wpengine.com/cybercrime-insurance
---

- Published: 2025-01-18
- Modified: 2025-07-10
- URL: https://zenstage.wpengine.com/ontario-business-liability-insurance/home-business
---

- Published: 2025-01-08
- Modified: 2025-07-10
- URL: https://zenstage.wpengine.com/british-columbia-business-liability-insurance/special-event
---

- Published: 2025-01-04
- Modified: 2025-07-24
- URL: https://zenstage.wpengine.com/ontario-business-liability-insurance/event-insurance-ontario
---

- Published: 2024-10-22
- Modified: 2026-01-16
- URL: https://zenstage.wpengine.com/guides/how-to-protect-your-business-property-in-the-era-of-climate-change
---

- Published: 2024-10-22
- Modified: 2026-01-16
- URL: https://zenstage.wpengine.com/guides/the-small-business-artificial-intelligence-ai-handbook
---

- Published: 2024-09-24
- Modified: 2024-09-24
- URL: https://zenstage.wpengine.com/ontario-business-liability-insurance/snow-removal
---

- Published: 2024-09-17
- Modified: 2026-01-16
- URL: https://zenstage.wpengine.com/guides/a-guide-to-small-business-insurance-in-canada
---

- Published: 2024-09-17
- Modified: 2025-09-29
- URL: https://zenstage.wpengine.com/guides
---

- Published: 2024-06-07
- Modified: 2026-02-17
- URL: https://zenstage.wpengine.com/burlington-business-liability-insurance
---

- Published: 2024-06-07
- Modified: 2026-02-17
- URL: https://zenstage.wpengine.com/richmond-business-liability-insurance
---

- Published: 2024-05-09
- Modified: 2025-06-06
- URL: https://zenstage.wpengine.com/british-columbia-business-liability-insurance/personal-trainer
---

- Published: 2024-05-02
- Modified: 2024-05-02
- URL: https://zenstage.wpengine.com/landlord-insurance/condo-rental-property
---

- Published: 2024-05-02
- Modified: 2024-05-02
- URL: https://zenstage.wpengine.com/restaurant-insurance/hot-dog-cart
---

- Published: 2024-04-25
- Modified: 2024-05-07
- URL: https://zenstage.wpengine.com/british-columbia-business-liability-insurance/restaurant
---

- Published: 2024-04-24
- Modified: 2026-01-23
- URL: https://zenstage.wpengine.com/oshawa-business-liability-insurance
---

- Published: 2024-03-26
- Modified: 2024-03-26
- URL: https://zenstage.wpengine.com/pet-services-insurance/dog-training
---

- Published: 2024-03-26
- Modified: 2024-04-23
- URL: https://zenstage.wpengine.com/sports-insurance/soccer
---

- Published: 2024-03-21
- Modified: 2024-07-26
- URL: https://zenstage.wpengine.com/zensurance-insurance-program
---

- Published: 2024-03-14
- Modified: 2024-03-14
- URL: https://zenstage.wpengine.com/sports-coach-insurance
---

- Published: 2024-03-14
- Modified: 2024-03-26
- URL: https://zenstage.wpengine.com/e-commerce-insurance/dropshipping
---

- Published: 2024-03-14
- Modified: 2024-03-26
- URL: https://zenstage.wpengine.com/moving-company-insurance
---

- Published: 2024-02-28
- Modified: 2024-03-14
- URL: https://zenstage.wpengine.com/side-hustle-insurance
---

- Published: 2024-02-26
- Modified: 2024-07-16
- URL: https://zenstage.wpengine.com/business-contents-calculator
---

- Published: 2024-02-16
- Modified: 2025-05-14
- URL: https://zenstage.wpengine.com/calculator
---

- Published: 2024-02-06
- Modified: 2024-02-06
- URL: https://zenstage.wpengine.com/franchise-business-insurance
---

- Published: 2024-02-02
- Modified: 2024-02-02
- URL: https://zenstage.wpengine.com/calgary-business-liability-insurance/professional-liability
---

- Published: 2024-02-01
- Modified: 2024-04-02
- URL: https://zenstage.wpengine.com/contractor-insurance/drywaller
---

- Published: 2024-01-16
- Modified: 2024-01-24
- URL: https://zenstage.wpengine.com/wncc
---

- Published: 2023-12-19
- Modified: 2023-12-19
- URL: https://zenstage.wpengine.com/pharmacy-technician-insurance
---

- Published: 2023-12-06
- Modified: 2026-07-17
- URL: https://zenstage.wpengine.com/event-insurance
---

- Published: 2023-11-08
- Modified: 2024-02-01
- URL: https://zenstage.wpengine.com/help-centre
---

- Published: 2023-10-31
- Modified: 2024-05-22
- URL: https://zenstage.wpengine.com/auto-detailing-insurance
---

- Published: 2023-10-24
- Modified: 2024-05-30
- URL: https://zenstage.wpengine.com/entertainment-insurance/dj
---

- Published: 2023-10-24
- Modified: 2023-10-24
- URL: https://zenstage.wpengine.com/retail-insurance/laundromat-and-dry-cleaner
---

- Published: 2023-10-24
- Modified: 2023-10-24
- URL: https://zenstage.wpengine.com/retail-insurance/vape-shop
---

- Published: 2023-10-10
- Modified: 2023-10-10
- URL: https://zenstage.wpengine.com/general-liability-insurance/cost
---

- Published: 2023-09-26
- Modified: 2025-05-23
- URL: https://zenstage.wpengine.com/pet-services-insurance/pet-grooming
---

- Published: 2023-09-08
- Modified: 2024-06-27
- URL: https://zenstage.wpengine.com/ontario-business-liability-insurance/restaurant
---

- Published: 2023-09-08
- Modified: 2024-01-24
- URL: https://zenstage.wpengine.com/british-columbia-business-liability-insurance/errors-and-omissions
---

- Published: 2023-09-01
- Modified: 2023-09-01
- URL: https://zenstage.wpengine.com/nova-scotia-business-liability-insurance/contractor
---

- Published: 2023-08-23
- Modified: 2024-01-24
- URL: https://zenstage.wpengine.com/british-columbia-business-liability-insurance/professional-liability
---

- Published: 2023-08-17
- Modified: 2024-03-26
- URL: https://zenstage.wpengine.com/contractor-insurance/locksmith
---

- Published: 2023-08-17
- Modified: 2024-03-26
- URL: https://zenstage.wpengine.com/alberta-business-liability-insurance/errors-and-omissions
---

- Published: 2023-08-16
- Modified: 2024-04-23
- URL: https://zenstage.wpengine.com/sports-insurance/basketball
---

- Published: 2023-08-08
- Modified: 2026-07-07
- URL: https://zenstage.wpengine.com/grant-terms-and-conditions
---

- Published: 2023-08-08
- Modified: 2024-04-23
- URL: https://zenstage.wpengine.com/entertainment-insurance/musician
---

- Published: 2023-08-04
- Modified: 2026-07-17
- URL: https://zenstage.wpengine.com/entertainment-insurance/performer-and-entertainer
---

- Published: 2023-08-03
- Modified: 2024-04-23
- URL: https://zenstage.wpengine.com/retail-insurance/artisan-and-crafter
---

- Published: 2023-07-07
- Modified: 2023-07-07
- URL: https://zenstage.wpengine.com/technology-insurance/it-professionals
---

- Published: 2023-06-29
- Modified: 2024-04-23
- URL: https://zenstage.wpengine.com/sports-insurance/hockey
---

- Published: 2023-06-13
- Modified: 2023-06-29
- URL: https://zenstage.wpengine.com/journalist-insurance
---

- Published: 2023-05-26
- Modified: 2023-05-26
- URL: https://zenstage.wpengine.com/caregiver-insurance
---

- Published: 2023-05-25
- Modified: 2023-07-04
- URL: https://zenstage.wpengine.com/holistic-health-practitioner-insurance
---

- Published: 2023-05-24
- Modified: 2026-07-29
- URL: https://zenstage.wpengine.com/perks
---

- Published: 2023-05-24
- Modified: 2023-05-26
- URL: https://zenstage.wpengine.com/resources
---

- Published: 2023-05-12
- Modified: 2023-11-08
- URL: https://zenstage.wpengine.com/sports-insurance/lifeguard-and-swim-instructor
---

- Published: 2023-05-05
- Modified: 2024-04-23
- URL: https://zenstage.wpengine.com/vendor-insurance/craft-show
---

- Published: 2023-05-05
- Modified: 2023-05-05
- URL: https://zenstage.wpengine.com/cottage-rental-insurance
---

- Published: 2023-05-05
- Modified: 2023-05-05
- URL: https://zenstage.wpengine.com/notary-eo-insurance
---

- Published: 2023-04-27
- Modified: 2023-04-28
- URL: https://zenstage.wpengine.com/retail-insurance/butcher-shop
---

- Published: 2023-04-26
- Modified: 2024-02-27
- URL: https://zenstage.wpengine.com/nova-scotia-business-liability-insurance/commercial-auto
---

- Published: 2023-04-25
- Modified: 2024-10-10
- URL: https://zenstage.wpengine.com/consultant-insurance/hr
---

- Published: 2023-04-24
- Modified: 2023-04-24
- URL: https://zenstage.wpengine.com/restaurant-insurance/vending-machine
---

- Published: 2023-04-20
- Modified: 2023-04-20
- URL: https://zenstage.wpengine.com/retail-insurance/jewellery-store
---

- Published: 2023-04-19
- Modified: 2023-04-19
- URL: https://zenstage.wpengine.com/bed-and-breakfast-insurance
---


---


## Posts

- Published: 2026-08-04
- Modified: 2026-08-04
- URL: https://zenstage.wpengine.com/blog/back-to-school-7-reasons-why-tutors-and-teachers-need-insurance
- Categories: Insurance
- Tags: professional liability, teacher, tutor
As a new school year begins, it’s not just lesson plans that need reviewing – your protection does, too. From liability claims to unexpected accidents, educators in Canada face real risks. Here’s what tutors and educators need to know to stay focused on what they do best: teaching.

---

- Published: 2026-07-30
- Modified: 2026-07-30
- URL: https://zenstage.wpengine.com/blog/10-common-warehouse-risks-and-how-to-reduce-them
- Categories: Insurance
- Tags: commercial property, shipping costs, warehouse
Accidents, property damage, and unexpected losses can derail any warehouse operation. Here are the 10 most common warehouse hazards, practical ways to reduce them, and how warehouse insurance protects your business.

---

- Published: 2026-07-28
- Modified: 2026-07-28
- URL: https://zenstage.wpengine.com/blog/what-small-businesses-need-to-know-about-cyber-insurance
- Categories: Cybersecurity, Insurance
- Tags: cyber insurance, cyber liability insurance, cybersecurity
Data shows that 48% of Canadian small businesses have implemented any form of cyber defence, and only 22% have cyber insurance. Here's why it's time to get serious about protecting your business from cyber threats.

---

- Published: 2026-07-24
- Modified: 2026-07-24
- URL: https://zenstage.wpengine.com/blog/does-commercial-property-insurance-include-protection-for-overland-floods
- Categories: Insurance
- Tags: business insurance, commercial property insurance, flood, flood insurance, small business insurance. flood
Increasingly frequent and severe flooding has been a primary driver of insured losses in Canada over the past five years. But commercial property insurance does not always automatically cover overland floods. Here's how to protect your business from flood damage.

---

- Published: 2026-07-23
- Modified: 2026-07-23
- URL: https://zenstage.wpengine.com/blog/21-business-insurance-terms-to-know
- Categories: Insurance
- Tags: accountant, business insurance, e&o, small business
Business insurance policies are full of jargon – binders, perils, riders, exclusions. When buying or renewing a policy, use this quick, plain-language rundown of the 21 commercial insurance terms every Canadian business owner should understand.

---

- Published: 2026-07-21
- Modified: 2026-07-21
- URL: https://zenstage.wpengine.com/blog/what-is-heavy-equipment-insurance
- Categories: Insurance
- Tags: construction insurance, contractor, contractor insurance
Heavy machinery is highly mobile and expensive to replace. Construction companies and contractors who own or rent transportable tools or heavy equipment need coverage to repair or replace them if damage occurs. Learn what counts as heavy equipment, how much coverage costs, and which contractors need it.

---

- Published: 2026-07-17
- Modified: 2026-07-17
- URL: https://zenstage.wpengine.com/blog/what-type-of-insurance-do-it-consultants-in-canada-need
- Categories: Insurance
- Tags: business insurance, extreme weather, protect your business weather
IT consultants require comprehensive insurance to minimize financial, legal, and operational risks and avoid financial turmoil. Most IT consultants in Canada need professional liability (errors and omissions) insurance, cyber liability, and general liability insurance at a minimum. Here’s what you should know.

---

- Published: 2026-07-16
- Modified: 2026-07-16
- URL: https://zenstage.wpengine.com/blog/heatwaves-how-to-prepare-your-small-business-for-extreme-heat
- Categories: Insurance
- Tags: business insurance, extreme weather, protect your business weather
Business owners plan for burst pipes and icy walkways in winter, but extreme heat is easy to underestimate. Here's how to prepare your business for heatwaves and how insurance can help recover from incidents that arise.

---

- Published: 2026-07-14
- Modified: 2026-07-16
- URL: https://zenstage.wpengine.com/blog/what-type-of-insurance-does-a-doula-need
- Categories: Insurance
- Tags: business insurance, medical malpractice
Doulas provide non-medical emotional, physical, and informational support during life's biggest transitions, but that responsibility carries real liability risks. Here's the insurance coverage every doula in Canada needs.

---

- Published: 2026-07-10
- Modified: 2026-07-10
- URL: https://zenstage.wpengine.com/blog/what-is-product-liability-insurance
- Categories: Insurance
- Tags: online seller insurance, product liability insurance, product recall insurance, retail insurance
Product liability insurance protects business owners against claims alleging their products caused third-party bodily injuries or property damage. Here's what manufacturers, distributors, retailers, sole proprietors, and e-commerce sellers in Canada need to know.

---

- Published: 2026-07-09
- Modified: 2026-07-09
- URL: https://zenstage.wpengine.com/blog/do-personal-trainers-need-to-have-insurance
- Categories: Insurance
- Tags: business insurance, commercial insurance, personal trainer
Personal fitness trainers and instructors working with individuals to help improve their physical health and achieve their fitness goals face the possibility of injuries to clients and other liability risks. Here’s what every personal fitness trainer should know.

---

- Published: 2026-07-07
- Modified: 2026-07-07
- URL: https://zenstage.wpengine.com/blog/what-you-need-to-know-about-self-employed-insurance
- Categories: Insurance
- Tags: accountant, business ontario, buying insurance, commercial auto, commercial coverage, consultant, esthetician, insurance cost, self-employed insurance, self-employment insurance, SME, yoga
70% of self-employed Canadians have no business insurance, leaving them one lawsuit away from financial ruin. Getting covered is easier and more affordable than most self-employed professionals realize. Here's what you need to know.

---

- Published: 2026-07-03
- Modified: 2026-07-03
- URL: https://zenstage.wpengine.com/blog/what-is-a-certificate-of-insurance
- Categories: Insurance
- Tags: cancel policy, certificate of insurance, construction equipment, construction insurance, grant26, insurance cost, proof of insurance, self-employed, small business insurance, wp
A certificate of insurance (COI) is a one-page document issued by your insurer or broker that proves your business is insured. It summarizes your active coverages, policy limits, expiry date, and other key details, so clients, landlords, and partners can confirm you're covered before they agree to work with you.

---

- Published: 2026-07-02
- Modified: 2026-07-03
- URL: https://zenstage.wpengine.com/blog/10-step-checklist-for-starting-a-small-business-in-canada
- Categories: Insurance
- Tags: launch a business, small business
Ready to launch your business? Follow this 10-step checklist for starting a small business in Canada – from legal registration to getting insured.

---

- Published: 2026-06-26
- Modified: 2026-06-26
- URL: https://zenstage.wpengine.com/blog/why-is-consultant-insurance-so-important
- Categories: Insurance
- Tags: event liability insurance
One misread recommendation or a project that falls short of a client's expectations can trigger a negligence claim or an expensive lawsuit. Here's how the right insurance protects your consulting business, your finances, and your reputation.

---

- Published: 2026-06-25
- Modified: 2026-06-25
- URL: https://zenstage.wpengine.com/blog/zensurance-small-business-grant-2026-meet-our-10000-and-1000-recipients
- Categories: Insurance
- Tags: event liability insurance
Meet the Canadian small business owners taking home our two $10,000 grants – plus eight more finalists who each receive $1,000. Here's their advice for other owners, and why they say insurance is a vital investment in their future.

---

- Published: 2026-06-23
- Modified: 2026-06-23
- URL: https://zenstage.wpengine.com/blog/what-is-commercial-auto-insurance-in-canada
- Categories: Insurance
- Tags: business vehicle insurance, commercial auto insurance, commercial auto insurance Alberta, commercial auto insurance New Brunswick, commercial auto insurance Newfoundland, commercial auto insurance Nova Scotia, commercial auto insurance Ontario, commercial auto insurance PEI
Driving for work in Canada? Most personal car insurance won't cover accidents or damage when you're using your vehicle for business. Here's why you need commercial auto insurance.

---

- Published: 2026-06-19
- Modified: 2026-06-19
- URL: https://zenstage.wpengine.com/blog/what-do-changes-to-commercial-auto-insurance-in-ontario-mean-for-your-business
- Categories: Insurance
- Tags: business insurance, commercial property, landlord insurance, rental property
Ontario is making several accident benefits optional in commercial auto insurance policies starting July 1, 2026. Here's what's changing, who's most at risk if they opt out, and what you should do before your policy renews.

---

- Published: 2026-06-18
- Modified: 2026-06-18
- URL: https://zenstage.wpengine.com/blog/do-landlords-need-additional-insurance
- Categories: Insurance
- Tags: landlord, landlord lp, rental property
Your standard home insurance policy probably doesn't cover your rental property, and that gap can cost you thousands. Here's exactly what landlord insurance covers, what it doesn't, and how to make sure you're protected.

---

- Published: 2026-06-16
- Modified: 2026-06-16
- URL: https://zenstage.wpengine.com/blog/when-can-the-canada-revenue-agency-cra-audit-your-small-business
- Categories: Insurance
- Tags: contractual liability, small business insurance
Every business owner hopes they won’t experience a CRA audit, but it’s important to be prepared to deal with one all the same. This guide explains what happens during a CRA audit or investigation, what your rights and responsibilities are, and the insurance that helps manage the cost of legal representation for an audit.

---

- Published: 2026-06-12
- Modified: 2026-06-12
- URL: https://zenstage.wpengine.com/blog/9-real-summertime-business-insurance-claims-in-canada-and-how-they-were-covered
- Categories: Insurance
- Tags: business insurance, commercial property, landlord insurance, rental property
Summer brings more customers, more activity – and more risk. Here are 9 real insurance claims our Canadian small business clients made last summer, and exactly how their coverage protected them.

---

- Published: 2026-06-12
- Modified: 2026-06-12
- URL: https://zenstage.wpengine.com/blog/will-home-insurance-cover-your-airbnb-or-vrbo-rental
- Categories: Insurance
- Tags: business insurance, commercial general liability, commercial property insurance, landlord insurance
Renting your home on Airbnb or VRBO? Your home insurance probably won't cover you. Here's what Canadian short-term rental hosts need to know, and what insurance actually will.

---

- Published: 2026-06-09
- Modified: 2026-06-09
- URL: https://zenstage.wpengine.com/blog/what-is-tools-and-equipment-insurance
- Categories: Insurance
- Tags: business insurance, commercial property, landlord insurance, rental property
Tools and equipment insurance covers portable tools, machinery, and equipment your business owns, rents, leases, or borrows, protecting them if they're lost, stolen, or damaged. Here's what's covered, what's not, what it costs, and who needs it.

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- Published: 2026-06-05
- Modified: 2026-06-05
- URL: https://zenstage.wpengine.com/blog/how-much-does-landlord-insurance-cost
- Categories: Insurance
- Tags: business insurance, commercial property, landlord insurance, rental property
Protecting your rental property and finances from expensive damages and liability claims requires a customized insurance policy that suits your needs and budget. Here’s what every landlord needs to know.

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- Published: 2026-06-04
- Modified: 2026-06-04
- URL: https://zenstage.wpengine.com/blog/world-cup-watch-parties-is-your-restaurant-or-bar-insurance-ready
- Categories: Insurance
- Tags: event liability insurance
Hosting a World Cup watch party at your restaurant, bar, or pub? There are real liability risks Canadian business owners need to know before kickoff – from liquor liability and crowd injuries to copyright infringement. Here's what coverage you need and how to protect your business through the entire tournament.

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- Published: 2026-06-02
- Modified: 2026-06-05
- URL: https://zenstage.wpengine.com/blog/small-business-grants-ontario
- Categories: Finance
- Tags: finance, grant winner
Securing funding is essential for the innovation and growth of all small businesses and startups. This guide outlines 20 small business grants available in Ontario and Canada, along with other resources to help business owners accelerate their growth.

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- Published: 2026-05-29
- Modified: 2026-05-29
- URL: https://zenstage.wpengine.com/blog/what-insurance-do-media-and-marketing-professionals-in-canada-need
- Categories: Insurance
- Tags: professional insurance, professional liability
Missed deadlines. Campaigns that don't land. A client who decides your work costs them money. These aren't hypotheticals, they're the real risks that come with doing creative and strategic work for a living. This guide breaks down what insurance media and marketing professionals need, what it costs, and why having the right policy is increasingly the difference between landing clients and losing them.

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- Published: 2026-05-28
- Modified: 2026-05-28
- URL: https://zenstage.wpengine.com/blog/what-is-pollution-liability-insurance
- Categories: Insurance
- Tags: pollution liability, small business insurance
One pollution incident can trigger a lawsuit that costs your business everything. Here's what pollution liability insurance covers, who in Canada needs it, and why your general liability policy probably won't save you.

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- Published: 2026-05-26
- Modified: 2026-05-26
- URL: https://zenstage.wpengine.com/blog/a-guide-to-yoga-instructor-insurance
- Categories: Insurance
- Tags: general liability, health and wellness, yoga
Everything yoga instructors in Canada need to know about liability coverage – what it includes, what it costs, and how to get the right policy to protect your income, reputation, and clients.

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- Published: 2026-05-22
- Modified: 2026-05-22
- URL: https://zenstage.wpengine.com/blog/what-insurance-do-food-truck-operators-in-canada-need-complete-guide
- Categories: Insurance
- Tags: food truck, Food truck business, food truck insurance
Whether you're just starting out or already rolling, here's everything you need to know about food truck insurance in Canada, and how to make sure you're covered before something goes wrong.

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- Published: 2026-05-21
- Modified: 2026-05-21
- URL: https://zenstage.wpengine.com/blog/dog-walker-insurance-what-coverage-do-dog-walkers-in-canada-need
- Categories: Insurance
- Tags: dog walking, dog walking business, dog walking insurance
Whether dog walking is your full-time career or a side hustle, one accident or incident could cost you thousands. Here's exactly what insurance you need, and why it matters more than you think.

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- Published: 2026-05-19
- Modified: 2026-05-20
- URL: https://zenstage.wpengine.com/blog/builders-risk-insurance-in-canada-coverage-for-contractors-and-property-owners
- Categories: Insurance
- Tags: builder's risk, builders risk insurance, contractor, contractor insurance
A builders' risk insurance policy is a specialized type of property insurance designed to protect contractors and property owners throughout any construction or renovation project. Here's everything contractors and property owners in Canada need to know before breaking ground.

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- Published: 2026-05-14
- Modified: 2026-05-14
- URL: https://zenstage.wpengine.com/blog/rv-park-and-campground-insurance-in-canada-what-you-need-and-why-it-matters
- Categories: Insurance
- Tags: bui, campground and RV insurance
Running a campground or RV park in Canada means managing more risk than most business owners realize. A guest injury, fire, or lawsuit, and an uninsured or underinsured owner could be facing tens of thousands of dollars in losses. Here's exactly what coverage you need and how to make sure you're protected before the season starts.

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- Published: 2026-05-11
- Modified: 2026-05-12
- URL: https://zenstage.wpengine.com/blog/what-type-of-insurance-does-your-pool-cleaning-business-need
- Categories: Insurance
- Tags: pool cleaning, pool cleaning and repair insurance, swimming pool cleaning, swimming pool contractor
One chemical spill, one slip-and-fall, one stolen piece of equipment – any of these can cost your pool cleaning business thousands of dollars. Here's the insurance coverage you need to stay protected this season and year-round.

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- Published: 2026-05-08
- Modified: 2026-05-20
- URL: https://zenstage.wpengine.com/blog/what-happens-if-you-dont-have-liability-insurance-for-your-small-business-in-canada
- Categories: Insurance
- Tags: business insurance, liability insurance
Running a small business without liability insurance? Here's exactly what you're risking – and why getting covered costs less than you think.

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- Published: 2026-05-06
- Modified: 2026-05-06
- URL: https://zenstage.wpengine.com/blog/what-is-an-additional-insured
- Categories: Insurance
- Tags: business insurance, commercial auto, premium
A client or landlord is asking you to add them to your insurance policy as an "additional insured", but what does that actually mean? Here's a straightforward breakdown of what it is, how it works, and how to set it up.

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- Published: 2026-05-05
- Modified: 2026-05-05
- URL: https://zenstage.wpengine.com/blog/does-your-landscaping-or-lawn-care-business-have-the-right-insurance
- Categories: Insurance
- Tags: business insurance, small business
Spring is here, and the busy season is ramping up. Landscaping and lawn care businesses across Canada need to make sure they're covered. Here's what your landscaping insurance policy should include, and what risks you can't afford to ignore.

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- Published: 2026-05-01
- Modified: 2026-05-08
- URL: https://zenstage.wpengine.com/blog/think-you-dont-need-business-insurance-heres-why-that-math-doesnt-work
- Categories: Insurance
- Tags: business insurance, small business
Think business insurance is a waste of money? Discover the real financial risks Canadian small business owners overlook, and why skipping coverage can cost far more than you think.

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- Published: 2026-04-30
- Modified: 2026-04-30
- URL: https://zenstage.wpengine.com/blog/10-small-business-emergency-preparedness-tips
- Categories: Small Business Tips
- Tags: business insurance, emergency preparedness tips, emergency preparedness week, flood, lean waste
Emergency Preparedness Week 2026 runs from May 3 to 9. Is your small business ready for a flood, wildfire, or earthquake? Grab our free emergency supply kit checklist and use these 10 tips to protect your business before disaster strikes.

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- Published: 2026-04-28
- Modified: 2026-04-28
- URL: https://zenstage.wpengine.com/blog/what-insurance-do-botox-practitioners-need-in-canada-a-complete-coverage-guide
- Categories: Insurance
- Tags: business insurance, health and wellness, malpractice insurance, medical malpractice, professional liability
Malpractice insurance for Botox practitioners, aesthetic injectors, and nurses providing Botox, Dysport, and dermal filler treatments is vital to protecting your finances and career from client claims and lawsuits.

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- Published: 2026-04-24
- Modified: 2026-04-24
- URL: https://zenstage.wpengine.com/blog/what-should-you-do-if-your-small-business-has-a-data-breach
- Categories: Cybersecurity
- Tags: business insurance, cyber insurance, cyber liability, cyber liability insurance, data breach
Small businesses in Canada are prime targets for cyberattacks and data breaches. Here's exactly what to do in the first 24 hours if your business is hit by a data breach, and how cyber liability insurance can help you recover quickly.

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- Published: 2026-04-23
- Modified: 2026-04-23
- URL: https://zenstage.wpengine.com/blog/do-i-need-insurance-to-sell-at-a-farmers-market
- Categories: Insurance
- Tags: business insurance, farmers market, general liability, product liability, vendor insurance, vendor insurance street market
Selling at a Canadian farmers’ market? Most organizers require vendor insurance. Here’s a plain-language guide on what coverage you need to protect your booth and livelihood.

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- Published: 2026-04-22
- Modified: 2026-04-22
- URL: https://zenstage.wpengine.com/blog/what-is-professional-negligence
- Categories: Insurance
- Tags: E&O insurance, errors and omissions insurance, insurance for accountants, professional liability, professional liability insurance, professional negligence
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.

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- Published: 2026-04-20
- Modified: 2026-04-20
- URL: https://zenstage.wpengine.com/blog/pest-control-business-insurance-in-canada-5-types-of-coverage-you-need
- Categories: Insurance
- Tags: business insurance, contractor, pest control, pest control insurance, professional liability insurance
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.

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- Published: 2026-04-17
- Modified: 2026-04-17
- URL: https://zenstage.wpengine.com/blog/working-outside-your-province-heres-what-your-malpractice-insurance-actually-covers
- Categories: Insurance
- Tags: beautician insurance, health and wellness insurance, malpractice insurance, medical malpractice insurance
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.

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- Published: 2026-04-15
- Modified: 2026-04-15
- URL: https://zenstage.wpengine.com/blog/what-a-hot-torch-roofing-insurance-policy-should-include
- Categories: Insurance
- Tags: business insurance, fire liability, hot torch roofing, roofing, roofing insurance
Torch-down roofing is one of the riskiest trades in the industry, and one accidental fire can wipe out your business. Here's what your insurance policy needs to cover, and how to get it without overpaying.

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- Published: 2026-04-13
- Modified: 2026-04-13
- URL: https://zenstage.wpengine.com/blog/what-liability-insurance-does-a-saas-business-in-canada-need
- Categories: Insurance
- Tags: ecommerce insurance, general liability, SaaS insurance, technology insurance
Software-as-a-Service (SaaS) companies in Canada face unique risks from outages and customer claims to cyber incidents and contract disputes. Here’s what liability insurance may help protect your software business.

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- Published: 2026-04-10
- Modified: 2026-04-10
- URL: https://zenstage.wpengine.com/blog/why-contractors-in-canada-need-year-round-business-insurance-and-why-seasonal-coverage-costs-more
- Categories: Insurance
- Tags: construction, contractor insurance, landscaping, renovation, seasonal contractor, skilled trades insurance, snow removal
Thinking about cancelling or pausing your contractor insurance after your busy season? It could cost you more than you save. Here are 6 reasons why annual business insurance is the smarter, more affordable choice for contractors and tradespeople in Canada.

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- Published: 2026-04-08
- Modified: 2026-04-08
- URL: https://zenstage.wpengine.com/blog/is-your-small-business-ready-for-wildfire-season
- Categories: Insurance, Small Business Tips
- Tags: business fire insurance, business insurance, commercial property insurance, wildfire, wildfire insurance
Wildfire season in Canada now starts earlier and hits harder. Here's what small business owners need to know and do to protect their properties before the next fire breaks out.

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- Published: 2026-04-06
- Modified: 2026-04-06
- URL: https://zenstage.wpengine.com/blog/is-my-business-too-small-to-need-liability-insurance-why-size-doesnt-eliminate-risk
- Categories: Insurance
- Tags: commercial property insurance, general liability insurance, landlord, landlord insurance, rental property
Think your business is too small for liability insurance? Sole proprietors, freelancers, and micro-businesses in Canada can still face lawsuits, accidental damage claims, and costly legal bills. Here’s when small business liability insurance makes sense, what it covers, and why size doesn’t eliminate risk.

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- Published: 2026-04-01
- Modified: 2026-04-01
- URL: https://zenstage.wpengine.com/blog/what-is-course-of-construction-coc-insurance-in-canada
- Categories: Insurance
- Tags: builders risk insurance, COC insurance, construction equipment, contractor, contractor insurance, course of construction, tradesman, vacant property
Course of Construction (COC) insurance, also known as builders' risk insurance, protects a building, its materials, and certain project property during construction, installation, or renovation. This guide explains what it covers, what it excludes, how it compares to other policies, and what affects its cost.

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- Published: 2026-03-30
- Modified: 2026-03-30
- URL: https://zenstage.wpengine.com/blog/life-sciences-business-insurance-in-canada-what-coverage-do-startups-and-small-businesses-need
- Categories: Insurance
- Tags: biotech, general liability, life sciences, life sciences business insurance, medtech
A practical guide to the types of insurance coverage life sciences startups and research companies in Canada may need, including liability protection for biotech, medtech, and laboratory businesses.

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- Published: 2026-03-27
- Modified: 2026-03-27
- URL: https://zenstage.wpengine.com/blog/welding-liability-insurance-in-canada-what-welders-need-to-know
- Categories: Insurance
- Tags: business insurance, contractor insurance, welder insurance, welding insurance, welding liability insurance
See our practical guide for welders and welding companies in Canada. Learn about welding liability insurance, coverage options, and costs. Find out how to protect your welding business from risk.

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- Published: 2026-03-24
- Modified: 2026-03-24
- URL: https://zenstage.wpengine.com/blog/zensurance-10000-business-grant-recipient-next-level-property-management
- Categories: Finance, Small Business Tips
- Tags: small business grant
Meet the recipients of our $10,000 grant and five $1,000 grants! We chatted with these business owners to get their best advice for other entrepreneurs, plus why they think insurance is a must-have for keeping a business’s finances secure.

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- Published: 2026-03-20
- Modified: 2026-03-20
- URL: https://zenstage.wpengine.com/blog/insurance-broker-vs-insurance-company-whats-the-difference
- Categories: Insurance
- Tags: business insurance tips, general liability insurance, insurance broker, insurance company
There are significant differences between insurance providers and insurance brokers, and working with a broker offers many benefits. Spoiler alert: a broker can help you save money on your annual premium.

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- Published: 2026-03-18
- Modified: 2026-03-18
- URL: https://zenstage.wpengine.com/blog/how-to-become-a-first-time-landlord-in-canada-2026-guide
- Categories: Insurance, Startup Tips
- Tags: commercial property insurance, general liability insurance, landlord, landlord insurance, rental property
A step-by-step guide to becoming a landlord in Canada. Learn landlord responsibilities, tenant screening tips, and how landlord insurance protects rental properties.

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- Published: 2026-03-16
- Modified: 2026-03-31
- URL: https://zenstage.wpengine.com/blog/when-do-i-need-liability-insurance-for-my-small-business-in-canada
- Categories: Insurance
- Tags: business insurance, cyber liability insurance, grant25, liability insurance, sole proprietor insurance, startup insurance, when to get insurance
Starting or running a small business in Canada? Liability insurance feels like something you deal with later – but waiting can be risky. From sole proprietors to growing companies, here’s when liability coverage becomes essential.

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- Published: 2026-03-13
- Modified: 2026-03-23
- URL: https://zenstage.wpengine.com/blog/do-i-really-need-liability-insurance-for-my-small-business-in-canada-even-if-im-low-risk
- Categories: Insurance
- Tags: business insurance, cyber liability insurance, don't need insurance, grant25, liability insurance, sole proprietor insurance, startup insurance
All small businesses in Canada face some level of liability risk – even home-based, online, or one-person businesses. Without liability insurance, you may have to pay for losses, damages, or legal defence costs, settlements, and court-awarded damages out of pocket.

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- Published: 2026-03-11
- Modified: 2026-03-11
- URL: https://zenstage.wpengine.com/blog/how-to-declare-your-small-businesss-annual-revenues-and-why-it-matters
- Categories: Finance, Insurance
- Tags: business insurance, business revenue, premium, revenue
When you apply for business insurance in Canada, insurers often ask about your company’s annual and projected revenue. Here’s why they need this information, how to figure out your numbers, and why it’s important to be accurate.

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- Published: 2026-03-09
- Modified: 2026-03-09
- URL: https://zenstage.wpengine.com/blog/arborist-liability-insurance-in-canada-what-coverage-do-tree-care-businesses-need
- Categories: Insurance
- Tags: arborist, general liability, tree care, tree removal
Chainsaws. Heights. Heavy equipment. Tree work isn’t low-risk and neither are the financial consequences. Arborists and tree care professionals do dangerous work. Don’t go out on a limb and offer your services without insurance. Here’s what every tree care business owner should know before stepping onto a job site.

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- Published: 2026-03-06
- Modified: 2026-03-06
- URL: https://zenstage.wpengine.com/blog/commercial-auto-insurance-vs-personal-auto-insurance-whats-the-difference
- Categories: Insurance
- Tags: commercial auto, commercial auto insurance, fleet vehicle insurance, personal auto insurance
- Formats: Image
If you use your vehicle for work in Canada, you need commercial auto insurance. Personal auto insurance usually won’t cover accidents that happen during business use. Learn the key differences, legal requirements, and how to get the right commercial vehicle insurance coverage for your business.

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- Published: 2026-03-04
- Modified: 2026-03-04
- URL: https://zenstage.wpengine.com/blog/how-to-start-a-landscaping-business
- Categories: Startup Tips
- Tags: business insurance, commercial insurance, landscaping business, landscaping business Canada, landscaping career, landscaping insurance
Learn how to start a landscaping business in Canada, including startup costs, licensing requirements, equipment, pricing, and the insurance coverage most contractors need before booking their first job.

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- Published: 2026-03-03
- Modified: 2026-03-03
- URL: https://zenstage.wpengine.com/blog/what-insurance-do-online-sellers-need-to-protect-against-customer-lawsuits-in-canada
- Categories: Insurance
- Tags: Amazon seller insurance, cyber insurance, e-commerce insurance, Etsy seller insurance, online seller insurance, online sellers, retail insurance
Consumer lawsuits against Canadian online sellers and e-commerce businesses are common (and expensive). If you sell online – even part-time – it’s vital to understand how to protect your business and finances from customer lawsuits and other liability risks.

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- Published: 2026-02-27
- Modified: 2026-02-27
- URL: https://zenstage.wpengine.com/blog/what-is-installation-floater-insurance-in-canada
- Categories: Insurance
- Tags: construction insurance, contractor insurance, installation floater insurance, skilled trades
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.

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- Published: 2026-02-25
- Modified: 2026-02-25
- URL: https://zenstage.wpengine.com/blog/why-clients-ask-for-a-certificate-of-insurance-coi-in-canada-and-how-to-get-one-fast
- Categories: Insurance
- Tags: business insurance, certificate of insurance, COI, consultant, contractor, proof of insurance, small business owner
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.

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- Published: 2026-02-23
- Modified: 2026-02-23
- URL: https://zenstage.wpengine.com/blog/8-tax-filing-tips-for-sole-proprietors
- Categories: Finance
- Tags: business credit card, filing taxes small business, sole proprietor, sole proprietor taxes, tax
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.

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- Published: 2026-02-20
- Modified: 2026-02-20
- URL: https://zenstage.wpengine.com/blog/what-type-of-insurance-does-a-house-cleaner-need
- Categories: Insurance
- Tags: business insurance, commercial crime insurance, commercial insurance, general liability insurance, house cleaner, professional cleaner
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.

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- Published: 2026-02-18
- Modified: 2026-02-18
- URL: https://zenstage.wpengine.com/blog/what-is-hired-and-non-owned-commercial-auto-insurance
- Categories: Insurance
- Tags: business vehicle insurance, commercial auto insurance, fleet vehicle insurance, 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.

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- Published: 2026-02-13
- Modified: 2026-02-13
- URL: https://zenstage.wpengine.com/blog/how-to-start-a-business-in-ontario
- Categories: Startup Tips
- Tags: business guide ontario, entrepreneur, general liability insurance, grant ontario, start a business ontario, startup insurance
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.

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- Published: 2026-02-11
- Modified: 2026-02-11
- URL: https://zenstage.wpengine.com/blog/what-is-a-deductible-for-small-business-insurance
- Categories: Insurance
- Tags: business insurance deductible, business interruption, commercial auto, deductibles, general liability, insurance deductible, professional liability
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.

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- Published: 2026-02-09
- Modified: 2026-02-09
- URL: https://zenstage.wpengine.com/blog/why-ecommerce-insurance-matters-for-online-sellers-in-canada
- Categories: Cybersecurity, Insurance
- Tags: cyber liability insurance, e-commerce insurance, ecommerce insurance, online business insurance, online sellers insurance, product liability insurance
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.

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- Published: 2026-02-05
- Modified: 2026-02-05
- URL: https://zenstage.wpengine.com/blog/what-happens-if-your-small-business-gets-sued-in-canada
- Categories: Insurance
- Tags: business insurance, business insurance claims, insurance claims
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.

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- Published: 2026-02-04
- Modified: 2026-02-04
- URL: https://zenstage.wpengine.com/blog/8-real-business-insurance-claims-canadian-small-businesses-filed-in-2025
- Categories: Insurance
- Tags: business insurance, business insurance claims, insurance claims
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.

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- Published: 2026-02-02
- Modified: 2026-03-31
- URL: https://zenstage.wpengine.com/blog/15-business-grants-and-loans-for-women-in-canada
- Categories: Finance
- Tags: business grant, business startup, grant ontario, grant winner, grants, loans, women entrepreneurs
The Zensurance Small Business Grant is one of many options for Canadian women entrepreneurs and startups led by women that are available to help them grow their businesses. See our list of grants and loans to pursue.

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- Published: 2026-01-30
- Modified: 2026-01-30
- URL: https://zenstage.wpengine.com/blog/11-expert-tips-for-renewing-commercial-auto-insurance-in-canada
- Categories: Insurance
- Tags: business insurance, business vehicle insurance, commercial auto insurance
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.

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- Published: 2026-01-28
- Modified: 2026-01-28
- URL: https://zenstage.wpengine.com/blog/essential-insurance-policies-every-canadian-general-contractor-needs-in-2026
- Categories: Insurance
- Tags: construction insurance, contractor insurance, general contractor, skilled trades
General contractors, construction companies, and skilled trades professionals need the right insurance coverage to protect against liability, property damage, and financial loss – especially as construction and renovation season ramps up in 2026.

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- Published: 2026-01-27
- Modified: 2026-01-27
- URL: https://zenstage.wpengine.com/blog/zensurance-25000-business-grant-recipient-sol-sage-yoga
- Categories: Finance, Small Business Tips
- Tags: small business grant
We are thrilled to announce the recipient of our $25,000 grant and recipients of our five $1,000 grants! Read on to learn valuable advice from these business owners for other entrepreneurs, and to discover why they consider insurance a crucial element of their financial stability.

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- Published: 2026-01-23
- Modified: 2026-01-23
- URL: https://zenstage.wpengine.com/blog/how-canadian-small-businesses-can-use-artificial-intelligence-ai-to-increase-sales-and-revenue
- Categories: Insurance, Small Business Tips
- Tags: AI, Artificial intelligence, cyber liability insurance, professional liability insurance
Using AI effectively can help Canadian small businesses attract more customers, increase sales, and improve customer service, often without new hires or large budgets. Many business owners are already using AI without realizing it. This guide explains how to start small, stay focused, and grow results in five practical steps.

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- Published: 2026-01-21
- Modified: 2026-01-21
- URL: https://zenstage.wpengine.com/blog/a-guide-to-directors-and-officers-do-insurance
- Categories: Insurance
- Tags: D&O insurance, directors and officers, management liability insurance
As business insolvencies and bankruptcies rise, if your organization has a board of directors or senior officers, D&O insurance is critical coverage to protect decision-makers in today’s high-liability environment.

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- Published: 2026-01-19
- Modified: 2026-01-19
- URL: https://zenstage.wpengine.com/blog/is-your-small-biz-underinsured-how-to-tell-and-what-to-do-if-it-is
- Categories: Insurance
- Tags: no insurance, risk management, underinsured
Discovering your business is underinsured often happens after a loss, lawsuit, or cyber incident – when it’s already too late. This guide helps Canadian small business owners identify coverage gaps before they become financially devastating.

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- Published: 2026-01-16
- Modified: 2026-01-16
- URL: https://zenstage.wpengine.com/blog/8-reasons-why-your-small-business-needs-legal-services-insurance
- Categories: Insurance
- Tags: additional insured, commercial insurance, legal expense, legal expense insurance, legal services insurance, small business insurance
Legal services insurance may not be top-of-mind for small business owners, but it's vital coverage for a wide range of issues. Here's why you should think about adding it to your policy.

---

- Published: 2026-01-14
- Modified: 2026-01-14
- URL: https://zenstage.wpengine.com/blog/what-happens-if-your-small-biz-doesnt-have-workers-comp
- Categories: Insurance
- Tags: business insurance, employers liability, workers comp, workers compensation
Failing to register your company with your province’s workers’ compensation board and going without workers’ comp insurance can lead to significant financial and legal consequences. Here’s what every Canadian small business owner or sole proprietor needs to know.

---

- Published: 2026-01-12
- Modified: 2026-01-30
- URL: https://zenstage.wpengine.com/blog/10-questions-to-ask-before-renewing-your-small-business-insurance
- Categories: Insurance
- Tags: business insurance, grant25, grant26, insurance renewal, renew business insurance
Reviewing your business insurance coverage annually – especially at the start of a new year – is one of the best ways to protect your small business. Before you renew a policy, ask an insurance broker a few key questions to confirm you’ve got the right coverage for your Canadian business. Here are 10 questions to ask.

---

- Published: 2026-01-09
- Modified: 2026-03-23
- URL: https://zenstage.wpengine.com/blog/5-trends-for-2026-every-small-business-owner-should-know
- Categories: Small Business Tips
- Tags: business insurance, business tips, business trends
See what’s hot for the year ahead with these five trends that Canadian small business owners and independent professionals should have on their radar in 2026, and how they can work them into their strategies.

---

- Published: 2026-01-07
- Modified: 2026-01-07
- URL: https://zenstage.wpengine.com/blog/canadian-small-business-tax-filing-tips
- Categories: Finance, Small Business Tips
- Tags: business grant, Canada tax return, fees, filing business taxes, hiring, small business tax tips, tax return
Tax season is fast approaching, and small business owners and self-employed professionals should start preparing now rather than later. Get a rundown of important dates and how to reduce your chances of being audited.

---

- Published: 2026-01-05
- Modified: 2026-01-05
- URL: https://zenstage.wpengine.com/blog/small-business-calendar-2026-key-dates-for-business-owners-in-canada
- Categories: Insurance
- Tags: BOP, bundling business insurance, business insurance bundle, business owners policy
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.

---

- Published: 2025-12-17
- Modified: 2025-12-17
- URL: https://zenstage.wpengine.com/blog/bundling-business-insurance-can-it-save-you-money
- Categories: Insurance
- Tags: BOP, bundling business insurance, business insurance bundle, business owners policy
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.

---

- Published: 2025-12-15
- Modified: 2025-12-15
- URL: https://zenstage.wpengine.com/blog/10-ways-to-safeguard-your-small-business-during-the-winter
- Categories: Insurance, Small Business Tips
- Tags: protect your business winter, small business
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.

---

- Published: 2025-12-12
- Modified: 2025-12-12
- URL: https://zenstage.wpengine.com/blog/our-10-most-read-business-insurance-blog-articles-of-2025
- Categories: Insurance
- Tags: business insurance, most-read articles 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.

---

- Published: 2025-12-10
- Modified: 2025-12-10
- URL: https://zenstage.wpengine.com/blog/5-businesses-you-can-start-with-less-than-1000-in-2026
- Categories: Small Business Tips
- Tags: business insurance, launch a business, startup, startup insurance
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.

---

- Published: 2025-12-08
- Modified: 2025-12-08
- URL: https://zenstage.wpengine.com/blog/commercial-umbrella-insurance-vs-excess-insurance-whats-the-difference
- Categories: Insurance
- Tags: excess insurance, small business insurance, umbrella insurance
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.

---

- Published: 2025-12-05
- Modified: 2026-01-30
- URL: https://zenstage.wpengine.com/blog/what-is-s10-ideas-to-grow-your-small-business-in-2026
- Categories: Small Business Tips
- Tags: grant26, grow your business, small business insurance
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.

---

- Published: 2025-12-03
- Modified: 2025-12-03
- URL: https://zenstage.wpengine.com/blog/what-is-short-term-rental-insurance
- Categories: Insurance
- Tags: Airbnb insurance, commercial property insurance, property rental, short-term property rental, VRBO 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.

---

- Published: 2025-12-01
- Modified: 2025-12-01
- URL: https://zenstage.wpengine.com/blog/9-common-winter-business-insurance-claims
- Categories: Insurance
- Tags: commercial auto, commercial property, general liability, winter 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.

---

- Published: 2025-11-28
- Modified: 2025-11-28
- URL: https://zenstage.wpengine.com/blog/how-canadian-landlords-can-prevent-and-manage-frozen-water-pipes
- Categories: Insurance, Small Business Tips
- Tags: commercial property, general liability, winter property maintenance
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.

---

- Published: 2025-11-26
- Modified: 2025-11-26
- URL: https://zenstage.wpengine.com/blog/is-your-salon-ready-for-the-holidays-insurance-tips-for-beauticians
- Categories: Insurance
- Tags: beauticians insurance, beauty insurance, salon insurance
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.

---

- Published: 2025-11-24
- Modified: 2025-11-24
- URL: https://zenstage.wpengine.com/blog/general-contractor-vs-handyman-whats-the-difference
- Categories: Insurance
- Tags: contractor insurance, handyman insurance
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.

---

- Published: 2025-11-21
- Modified: 2025-11-21
- URL: https://zenstage.wpengine.com/blog/federal-budget-2025-how-does-it-impact-small-businesses-in-canada
- Categories: Finance, Insurance
- Tags: federal budget, small businesses
Although there are no tax cuts for small businesses, the 2025 federal budget is designed to foster business growth, encourage innovation, and simplify small business owners' access to government initiatives. Here’s what business owners need to know.

---

- Published: 2025-11-19
- Modified: 2025-11-19
- URL: https://zenstage.wpengine.com/blog/do-dental-hygienists-need-malpractice-insurance
- Categories: Insurance
- Tags: dental hygienist, medical malpractice, professional liability
Many dental hygienists have some liability protection through their employers; however, they’re not obligated to purchase coverage through their associations, and it may not provide them with complete protection from liability claims and lawsuits. Get a quick overview of what you need to know to protect your career and finances.

---

- Published: 2025-11-17
- Modified: 2025-11-17
- URL: https://zenstage.wpengine.com/blog/how-to-protect-your-business-on-black-friday-and-cyber-monday-2025
- Categories: Insurance
- Tags: Black Friday, Boxing Day, cyber liability, Cyber Monday, product liability, small business insurance
The opportunity Black Friday, Cyber Monday, and the holiday season present also poses considerable liability risks for any small business or independent seller angling to get in on the action. Here’s what to watch for and how to protect your company and finances.

---

- Published: 2025-11-14
- Modified: 2025-11-14
- URL: https://zenstage.wpengine.com/blog/how-to-become-a-crossfit-instructor
- Categories: Startup Tips
- Tags: commercial auto insurance, commercial truck insurance, fleet vehicle insurance
A CrossFit coach or instructor is a fitness professional trained to teach, motivate, and supervise individuals or groups performing high-intensity CrossFit workouts. See our guide on how to establish your career as a CrossFit trainer in Canada, and how to protect your finances with liability insurance.

---


---


## FAQs

- Published: 2025-09-10
- Modified: 2025-09-10
- URL: https://zenstage.wpengine.com/blog/faq-items/does-a-self-employed-professional-or-sole-proprietor-need-business-insurance
- FAQ Categories: Women Entrepreneurs
---

- Published: 2025-09-10
- Modified: 2025-09-10
- URL: https://zenstage.wpengine.com/blog/faq-items/does-business-insurance-cover-lawsuits
- FAQ Categories: Women Entrepreneurs
---

- Published: 2025-09-10
- Modified: 2025-09-10
- URL: https://zenstage.wpengine.com/blog/faq-items/does-a-home-based-business-need-commercial-insurance
- FAQ Categories: Women Entrepreneurs
---

- Published: 2025-08-13
- Modified: 2025-08-13
- URL: https://zenstage.wpengine.com/blog/faq-items/what-types-of-trucks-are-covered-by-a-commercial-truck-insurance-policy
- FAQ Categories: Commercial Truck Insurance
---

- Published: 2025-08-13
- Modified: 2025-08-13
- URL: https://zenstage.wpengine.com/blog/faq-items/does-personal-auto-insurance-or-private-passenger-auto-insurance-cover-commercial-uses-of-a-truck
- FAQ Categories: Commercial Truck Insurance
---

- Published: 2025-08-13
- Modified: 2025-08-13
- URL: https://zenstage.wpengine.com/blog/faq-items/how-can-i-reduce-the-cost-of-an-annual-premium-for-a-commercial-truck-insurance-policy
- FAQ Categories: Commercial Truck Insurance
---

- Published: 2025-06-20
- Modified: 2025-07-10
- URL: https://zenstage.wpengine.com/blog/faq-items/what-deductibles-does-a-builders-risk-insurance-policy-have
- FAQ Categories: Ontario Builders Risk Insurance
---

- Published: 2025-06-20
- Modified: 2025-07-10
- URL: https://zenstage.wpengine.com/blog/faq-items/is-builders-risk-insurance-required-in-the-province-of-ontario
- FAQ Categories: Ontario Builders Risk Insurance
---

- Published: 2025-06-20
- Modified: 2025-07-10
- URL: https://zenstage.wpengine.com/blog/faq-items/what-happens-if-theres-a-project-delay-because-of-a-covered-loss
- FAQ Categories: Ontario Builders Risk Insurance
---

- Published: 2025-06-10
- Modified: 2025-07-10
- URL: https://zenstage.wpengine.com/blog/faq-items/does-zumba-instructor-insurance-cover-online-or-virtual-classes
- FAQ Categories: Zumba Insurance
---

- Published: 2025-06-10
- Modified: 2025-07-10
- URL: https://zenstage.wpengine.com/blog/faq-items/does-zumba-teacher-insurance-cover-me-if-i-teach-at-multiple-locations
- FAQ Categories: Zumba Insurance
---

- Published: 2025-06-10
- Modified: 2025-07-10
- URL: https://zenstage.wpengine.com/blog/faq-items/does-a-zumba-training-instructor-who-is-an-employee-at-a-private-gym-need-their-own-policy
- FAQ Categories: Zumba Insurance
---

- Published: 2025-06-05
- Modified: 2025-06-05
- URL: https://zenstage.wpengine.com/blog/faq-items/does-a-pickleball-club-need-insurance-to-play-on-public-courts
- FAQ Categories: Pickleball Insurance
---

- Published: 2025-06-05
- Modified: 2025-06-05
- URL: https://zenstage.wpengine.com/blog/faq-items/does-pickleball-insurance-include-coverage-for-tournaments-and-events
- FAQ Categories: Pickleball Insurance
---

- Published: 2025-06-05
- Modified: 2025-06-05
- URL: https://zenstage.wpengine.com/blog/faq-items/does-a-pickleball-club-need-insurance-if-it-doesnt-charge-members-fees
- FAQ Categories: Pickleball Insurance
---

- Published: 2025-05-21
- Modified: 2025-05-21
- URL: https://zenstage.wpengine.com/blog/faq-items/does-commercial-property-insurance-cover-inventory-that-fluctuates-throughout-the-year
- FAQ Categories: Ontario Commercial Property Insurance
---

- Published: 2025-05-21
- Modified: 2025-05-21
- URL: https://zenstage.wpengine.com/blog/faq-items/what-is-not-covered-by-a-commercial-property-insurance-policy
- FAQ Categories: Ontario Commercial Property Insurance
---

- Published: 2025-05-21
- Modified: 2025-05-21
- URL: https://zenstage.wpengine.com/blog/faq-items/whats-the-difference-between-replacement-cost-and-actual-cash-value-in-a-commercial-property-insurance-policy
- FAQ Categories: Ontario Commercial Property Insurance
---

- Published: 2025-04-24
- Modified: 2025-04-24
- URL: https://zenstage.wpengine.com/blog/faq-items/does-my-special-event-insurance-cover-incidents-that-occur-after-the-event-2
- FAQ Categories: Ontario Event Insurance
---

- Published: 2025-04-24
- Modified: 2025-04-24
- URL: https://zenstage.wpengine.com/blog/faq-items/does-special-event-insurance-cover-a-cancelled-event-2
- FAQ Categories: Ontario Event Insurance
---

- Published: 2025-04-24
- Modified: 2025-04-24
- URL: https://zenstage.wpengine.com/blog/faq-items/how-can-i-get-a-certificate-of-insurance-to-prove-im-insured-for-my-event-2
- FAQ Categories: Ontario Event Insurance
---

- Published: 2025-04-11
- Modified: 2025-04-11
- URL: https://zenstage.wpengine.com/blog/faq-items/does-a-home-based-travel-agent-need-liability-insurance
- FAQ Categories: Travel Agent Insurance
---

- Published: 2025-04-11
- Modified: 2025-04-11
- URL: https://zenstage.wpengine.com/blog/faq-items/does-travel-agent-eo-insurance-cover-mistakes-made-on-social-media
- FAQ Categories: Travel Agent Insurance
---

- Published: 2025-04-11
- Modified: 2025-04-11
- URL: https://zenstage.wpengine.com/blog/faq-items/does-general-liability-insurance-cover-lawsuits-launched-by-an-unhappy-customer
- FAQ Categories: Travel Agent Insurance
---

- Published: 2025-04-01
- Modified: 2025-04-08
- URL: https://zenstage.wpengine.com/blog/faq-items/are-there-specific-insurance-requirements-for-selling-certain-products-on-temu
- FAQ Categories: Temu Insurance
---

- Published: 2025-04-01
- Modified: 2025-04-08
- URL: https://zenstage.wpengine.com/blog/faq-items/what-are-the-appropriate-coverage-limits-for-my-businesss-policy
- FAQ Categories: Temu Insurance
---

- Published: 2025-04-01
- Modified: 2025-04-08
- URL: https://zenstage.wpengine.com/blog/faq-items/does-temu-require-sellers-to-have-insurance
- FAQ Categories: Temu Insurance
---

- Published: 2025-03-18
- Modified: 2025-07-10
- URL: https://zenstage.wpengine.com/blog/faq-items/what-triggers-a-product-recall
- FAQ Categories: Product Recall Insurance
---

- Published: 2025-03-18
- Modified: 2025-07-10
- URL: https://zenstage.wpengine.com/blog/faq-items/does-a-thrift-store-insurance-policy-cover-theft
- FAQ Categories: Thrift Store Insurance
---

- Published: 2025-03-18
- Modified: 2025-07-10
- URL: https://zenstage.wpengine.com/blog/faq-items/does-consignment-store-or-thrift-store-insurance-cover-online-sales
- FAQ Categories: Thrift Store Insurance
---

- Published: 2025-02-21
- Modified: 2025-03-12
- URL: https://zenstage.wpengine.com/blog/faq-items/is-a-pickup-truck-considered-a-commercial-vehicle-2
- FAQ Categories: Commercial Auto
---

- Published: 2025-02-21
- Modified: 2025-03-12
- URL: https://zenstage.wpengine.com/blog/faq-items/if-i-use-my-personal-vehicle-for-business-purposes-and-get-into-a-collision-will-my-personal-auto-policy-cover-me
- FAQ Categories: Commercial Auto
---

- Published: 2025-02-21
- Modified: 2025-03-12
- URL: https://zenstage.wpengine.com/blog/faq-items/will-commercial-auto-insurance-cover-me-if-my-tools-are-stolen-from-my-business-vehicle
- FAQ Categories: Commercial Auto
---

- Published: 2025-02-13
- Modified: 2025-06-13
- URL: https://zenstage.wpengine.com/blog/faq-items/how-is-the-grant-prize-winner-selected
- FAQ Categories: Grant FAQ
---

- Published: 2025-02-13
- Modified: 2025-02-21
- URL: https://zenstage.wpengine.com/blog/faq-items/what-is-classified-as-a-canadian-small-business
- FAQ Categories: Grant FAQ
---

- Published: 2025-02-13
- Modified: 2025-02-21
- URL: https://zenstage.wpengine.com/blog/faq-items/do-i-need-to-be-a-customer
- FAQ Categories: Grant FAQ
---

- Published: 2024-10-10
- Modified: 2024-10-10
- URL: https://zenstage.wpengine.com/blog/faq-items/does-apartment-building-insurance-cover-damages-caused-by-a-natural-disaster
- FAQ Categories: Apartment Building Insurance
---

- Published: 2024-10-10
- Modified: 2024-10-10
- URL: https://zenstage.wpengine.com/blog/faq-items/how-can-i-keep-the-premium-for-an-apartment-building-insurance-policy-as-low-as-possible
- FAQ Categories: Apartment Building Insurance
---

- Published: 2024-10-10
- Modified: 2024-10-10
- URL: https://zenstage.wpengine.com/blog/faq-items/are-my-tenants-personal-belongings-covered-by-an-owners-apartment-building-insurance-policy
- FAQ Categories: Apartment Building Insurance
---

- Published: 2024-10-08
- Modified: 2024-10-08
- URL: https://zenstage.wpengine.com/blog/faq-items/what-is-not-covered-by-home-based-business-insurance
- FAQ Categories: Ontario Home Business Insurance
---

- Published: 2024-10-08
- Modified: 2024-10-08
- URL: https://zenstage.wpengine.com/blog/faq-items/what-types-of-cybercrime-are-typically-covered-by-a-cybercrime-insurance-policy
- FAQ Categories: Cybercrime Insurance
---

- Published: 2024-10-08
- Modified: 2024-10-08
- URL: https://zenstage.wpengine.com/blog/faq-items/does-cybercrime-insurance-cover-business-interruption-losses
- FAQ Categories: Cybercrime Insurance
---

- Published: 2024-10-08
- Modified: 2024-10-08
- URL: https://zenstage.wpengine.com/blog/faq-items/how-can-a-business-keep-the-cost-of-cybercrime-insurance-as-low-as-possible
- FAQ Categories: Cybercrime Insurance
---

- Published: 2024-10-08
- Modified: 2024-10-08
- URL: https://zenstage.wpengine.com/blog/faq-items/how-can-i-get-a-certificate-of-insurance-to-prove-im-insured-for-my-event
- FAQ Categories: BC Event Insurance
---

- Published: 2024-10-08
- Modified: 2024-10-08
- URL: https://zenstage.wpengine.com/blog/faq-items/does-my-special-event-insurance-cover-incidents-that-occur-after-the-event
- FAQ Categories: BC Event Insurance
---

- Published: 2024-10-08
- Modified: 2024-10-08
- URL: https://zenstage.wpengine.com/blog/faq-items/does-special-event-insurance-cover-a-cancelled-event
- FAQ Categories: BC Event Insurance
---

- Published: 2024-10-08
- Modified: 2024-10-08
- URL: https://zenstage.wpengine.com/blog/faq-items/does-home-based-business-insurance-cover-me-if-i-work-at-a-clients-location
- FAQ Categories: Ontario Home Business Insurance
---

- Published: 2024-09-24
- Modified: 2024-10-08
- URL: https://zenstage.wpengine.com/blog/faq-items/does-a-snow-removal-business-need-professional-liability-insurance
- FAQ Categories: Ontario Snow Removal Insurance
---

- Published: 2024-08-09
- Modified: 2024-09-24
- URL: https://zenstage.wpengine.com/blog/faq-items/how-can-i-keep-an-annual-snow-removal-insurance-premium-as-low-as-possible
- FAQ Categories: Ontario Snow Removal Insurance, Snow Removal Insurance
---

- Published: 2024-08-09
- Modified: 2024-08-09
- URL: https://zenstage.wpengine.com/blog/faq-items/are-there-specific-exclusions-in-what-a-snow-removal-insurance-policy-will-cover
- FAQ Categories: Snow Removal Insurance
---

- Published: 2024-06-11
- Modified: 2024-06-11
- URL: https://zenstage.wpengine.com/blog/faq-items/does-commercial-property-insurance-cover-a-leased-or-rented-office-space
- FAQ Categories: Psychotherapist Insurance
---

- Published: 2024-06-11
- Modified: 2024-06-11
- URL: https://zenstage.wpengine.com/blog/faq-items/does-psychotherapist-insurance-include-coverage-for-patient-sessions-hosted-online
- FAQ Categories: Psychotherapist Insurance
---

- Published: 2024-06-11
- Modified: 2024-06-11
- URL: https://zenstage.wpengine.com/blog/faq-items/does-psychotherapist-professional-liability-insurance-cover-claims-or-lawsuits-for-past-incidents
- FAQ Categories: Psychotherapist Insurance
---

- Published: 2024-05-02
- Modified: 2024-05-02
- URL: https://zenstage.wpengine.com/blog/faq-items/can-i-cancel-a-condo-rental-insurance-policy-if-my-unit-is-unoccupied
- FAQ Categories: Condo Rental Insurance
---

- Published: 2024-05-02
- Modified: 2024-05-02
- URL: https://zenstage.wpengine.com/blog/faq-items/is-hot-dog-cart-liability-insurance-required-to-sell-food-at-public-events-and-festivals
- FAQ Categories: Hot Dog Cart Insurance
---

- Published: 2024-05-02
- Modified: 2024-05-02
- URL: https://zenstage.wpengine.com/blog/faq-items/does-hot-dog-cart-insurance-cover-me-if-my-cart-is-vandalized-or-stolen
- FAQ Categories: Hot Dog Cart Insurance
---

- Published: 2024-05-02
- Modified: 2024-05-02
- URL: https://zenstage.wpengine.com/blog/faq-items/will-hot-dog-cart-insurance-cover-me-if-a-customer-sues-me
- FAQ Categories: Hot Dog Cart Insurance
---

- Published: 2024-05-02
- Modified: 2024-05-02
- URL: https://zenstage.wpengine.com/blog/faq-items/does-condo-rental-insurance-for-landlords-cover-intentional-damage-caused-by-a-tenant
- FAQ Categories: Condo Rental Insurance
---

- Published: 2024-05-02
- Modified: 2024-05-02
- URL: https://zenstage.wpengine.com/blog/faq-items/does-insurance-for-a-rental-condo-cover-my-tenants
- FAQ Categories: Condo Rental Insurance
---

- Published: 2024-04-25
- Modified: 2024-04-25
- URL: https://zenstage.wpengine.com/blog/faq-items/do-restaurant-owners-need-to-add-umbrella-insurance-to-their-policies
- FAQ Categories: BC Restaurant Insurance
---

- Published: 2024-04-25
- Modified: 2024-04-25
- URL: https://zenstage.wpengine.com/blog/faq-items/does-restaurant-insurance-cover-legal-expenses-if-im-sued
- FAQ Categories: BC Restaurant Insurance
---

- Published: 2024-04-25
- Modified: 2024-04-25
- URL: https://zenstage.wpengine.com/blog/faq-items/what-does-a-restaurant-owner-need-to-do-if-they-have-to-file-an-insurance-claim
- FAQ Categories: BC Restaurant Insurance
---

- Published: 2024-03-27
- Modified: 2024-03-27
- URL: https://zenstage.wpengine.com/blog/faq-items/does-landscaping-insurance-cover-damages-to-a-clients-property-caused-by-landscaping-mistakes-or-errors
- FAQ Categories: Landscaper Insurance
---

- Published: 2024-03-27
- Modified: 2024-03-27
- URL: https://zenstage.wpengine.com/blog/faq-items/does-my-landscaping-insurance-policy-cover-their-work-if-i-hire-part-time-or-seasonal-employees
- FAQ Categories: Landscaper Insurance
---

- Published: 2024-03-27
- Modified: 2024-03-27
- URL: https://zenstage.wpengine.com/blog/faq-items/my-company-only-provides-lawn-care-and-basic-lawn-mowing-services-do-i-need-a-landscaping-insurance-policy
- FAQ Categories: Landscaper Insurance
---

- Published: 2024-03-26
- Modified: 2024-03-26
- URL: https://zenstage.wpengine.com/blog/faq-items/does-dog-training-liability-insurance-cover-remote-or-online-training-sessions
- FAQ Categories: Dog Trainer Insurance
---

- Published: 2024-03-26
- Modified: 2024-03-26
- URL: https://zenstage.wpengine.com/blog/faq-items/do-referees-and-league-officials-need-soccer-liability-insurance
- FAQ Categories: Soccer Insurance
---

- Published: 2024-03-26
- Modified: 2024-03-26
- URL: https://zenstage.wpengine.com/blog/faq-items/does-dog-training-liability-insurance-cover-training-sessions-conducted-in-a-public-park-or-at-a-customers-home
- FAQ Categories: Dog Trainer Insurance
---

- Published: 2024-03-26
- Modified: 2024-03-26
- URL: https://zenstage.wpengine.com/blog/faq-items/does-dog-training-liability-insurance-cover-trainers-for-all-types-of-dog-breeds
- FAQ Categories: Dog Trainer Insurance
---

- Published: 2024-03-26
- Modified: 2024-03-26
- URL: https://zenstage.wpengine.com/blog/faq-items/does-soccer-liability-insurance-cover-auto-collisions-or-accidents
- FAQ Categories: Soccer Insurance
---

- Published: 2024-03-26
- Modified: 2024-03-26
- URL: https://zenstage.wpengine.com/blog/faq-items/what-types-of-third-party-bodily-injuries-to-players-does-a-soccer-insurance-policy-cover
- FAQ Categories: Soccer Insurance
---

- Published: 2024-03-21
- Modified: 2024-03-21
- URL: https://zenstage.wpengine.com/blog/faq-items/does-product-liability-insurance-cover-me-if-i-also-sell-on-other-third-party-marketplaces
- FAQ Categories: Amazon Insurance
---

- Published: 2024-03-14
- Modified: 2024-03-14
- URL: https://zenstage.wpengine.com/blog/faq-items/does-a-sports-coach-insurance-policy-cover-allegations-of-professional-misconduct
- FAQ Categories: Sports Coach Insurance
---

- Published: 2024-03-14
- Modified: 2024-03-14
- URL: https://zenstage.wpengine.com/blog/faq-items/why-do-amateur-sports-coaches-need-liability-insurance
- FAQ Categories: Sports Coach Insurance
---

- Published: 2024-03-14
- Modified: 2024-03-14
- URL: https://zenstage.wpengine.com/blog/faq-items/can-dropshipping-insurance-help-protect-my-business-against-customer-chargebacks
- FAQ Categories: Dropshipping Insurance
---

- Published: 2024-03-14
- Modified: 2024-03-14
- URL: https://zenstage.wpengine.com/blog/faq-items/do-i-need-dropshipping-insurance-if-i-already-have-product-liability-insurance
- FAQ Categories: Dropshipping Insurance
---

- Published: 2024-03-14
- Modified: 2024-03-14
- URL: https://zenstage.wpengine.com/blog/faq-items/does-sports-coach-insurance-cover-volunteer-coaches
- FAQ Categories: Sports Coach Insurance
---

- Published: 2024-03-14
- Modified: 2024-03-14
- URL: https://zenstage.wpengine.com/blog/faq-items/do-moving-companies-need-insurance-for-their-storage-facilities
- FAQ Categories: Movers Insurance
---

- Published: 2024-03-14
- Modified: 2024-03-14
- URL: https://zenstage.wpengine.com/blog/faq-items/does-moving-company-insurance-cover-damage-caused-by-improper-packing-or-handling-by-customers
- FAQ Categories: Movers Insurance
---

- Published: 2024-03-14
- Modified: 2024-03-14
- URL: https://zenstage.wpengine.com/blog/faq-items/does-dropshipping-insurance-cover-products-shipped-to-customers-outside-of-canada
- FAQ Categories: Dropshipping Insurance
---

- Published: 2024-03-14
- Modified: 2024-03-14
- URL: https://zenstage.wpengine.com/blog/faq-items/what-is-the-difference-between-liability-insurance-and-cargo-insurance-for-moving-companies
- FAQ Categories: Movers Insurance
---

- Published: 2024-03-01
- Modified: 2024-03-01
- URL: https://zenstage.wpengine.com/blog/faq-items/what-happens-if-a-drywaller-doesnt-have-insurance-and-is-sued
- FAQ Categories: Drywall Insurance
---

- Published: 2024-03-01
- Modified: 2024-03-01
- URL: https://zenstage.wpengine.com/blog/faq-items/is-professional-liability-insurance-included-in-drywall-insurance
- FAQ Categories: Drywall Insurance
---

- Published: 2024-03-01
- Modified: 2024-03-01
- URL: https://zenstage.wpengine.com/blog/faq-items/can-a-sole-proprietor-or-independent-contractor-get-drywall-insurance
- FAQ Categories: Drywall Insurance
---

- Published: 2024-02-28
- Modified: 2024-02-28
- URL: https://zenstage.wpengine.com/blog/faq-items/do-i-need-business-insurance-if-my-side-hustle-is-only-part-time
- FAQ Categories: Side Hustle Insurance
---

- Published: 2024-02-28
- Modified: 2024-02-28
- URL: https://zenstage.wpengine.com/blog/faq-items/does-my-side-hustle-insurance-cover-special-events
- FAQ Categories: Side Hustle Insurance
---

- Published: 2024-02-28
- Modified: 2024-02-28
- URL: https://zenstage.wpengine.com/blog/faq-items/can-i-get-insurance-if-my-side-hustle-operates-from-home
- FAQ Categories: Side Hustle Insurance
---

- Published: 2024-02-06
- Modified: 2024-02-06
- URL: https://zenstage.wpengine.com/blog/faq-items/are-franchisees-required-to-purchase-insurance-through-the-franchisors-recommended-provider
- FAQ Categories: Franchise Insurance
---

- Published: 2024-02-06
- Modified: 2024-02-06
- URL: https://zenstage.wpengine.com/blog/faq-items/does-my-franchise-need-umbrella-liability-insurance
- FAQ Categories: Franchise Insurance
---

- Published: 2024-02-06
- Modified: 2024-02-06
- URL: https://zenstage.wpengine.com/blog/faq-items/do-franchisees-need-insurance-if-the-franchisor-provides-some-coverage
- FAQ Categories: Franchise Insurance
---

- Published: 2023-12-19
- Modified: 2023-12-19
- URL: https://zenstage.wpengine.com/blog/faq-items/how-much-coverage-does-my-pharmacy-technician-insurance-policy-require
- FAQ Categories: Pharmacy Technician Insurance
---

- Published: 2023-12-19
- Modified: 2023-12-19
- URL: https://zenstage.wpengine.com/blog/faq-items/does-pharmacy-tech-liability-insurance-cover-all-types-of-pharmacy-practice-settings
- FAQ Categories: Pharmacy Technician Insurance
---

- Published: 2023-12-19
- Modified: 2023-12-19
- URL: https://zenstage.wpengine.com/blog/faq-items/are-legal-defence-costs-covered-even-if-a-claim-against-me-is-meritless-or-unfounded
- FAQ Categories: Pharmacy Technician Insurance
---

- Published: 2023-12-14
- Modified: 2023-12-14
- URL: https://zenstage.wpengine.com/blog/faq-items/does-syzl-maker-liability-insurance-cover-my-legal-defence-costs-if-im-sued
- FAQ Categories: Syzl
---

- Published: 2023-12-14
- Modified: 2023-12-14
- URL: https://zenstage.wpengine.com/blog/faq-items/how-much-liability-insurance-should-i-buy
- FAQ Categories: Syzl
---

- Published: 2023-12-14
- Modified: 2023-12-14
- URL: https://zenstage.wpengine.com/blog/faq-items/does-syzl-maker-insurance-also-cover-independent-kitchen-and-serving-staff-i-hire-short-term
- FAQ Categories: Syzl
---

- Published: 2023-12-06
- Modified: 2023-12-06
- URL: https://zenstage.wpengine.com/blog/faq-items/how-can-i-get-a-certificate-of-insurance-for-an-event
- FAQ Categories: Event Insurance
---

- Published: 2023-12-06
- Modified: 2023-12-06
- URL: https://zenstage.wpengine.com/blog/faq-items/does-my-event-insurance-policy-cover-incidents-that-occur-after-the-event
- FAQ Categories: Event Insurance
---

- Published: 2023-12-06
- Modified: 2023-12-06
- URL: https://zenstage.wpengine.com/blog/faq-items/does-special-event-insurance-cover-cancellations
- FAQ Categories: Event Insurance
---

- Published: 2023-11-08
- Modified: 2023-11-08
- URL: https://zenstage.wpengine.com/blog/faq-items/i-called-the-zensurance-emergency-line-and-reported-a-claim-what-happens-next
- FAQ Categories: Claims
---

- Published: 2023-11-08
- Modified: 2023-11-08
- URL: https://zenstage.wpengine.com/blog/faq-items/does-zensurance-handle-my-claim
- FAQ Categories: Claims
---


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