Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
Contractors: Are You Insured for Installing Christmas Lights for Your Customers?
Offering holiday light installation is a great service to offer your customers – but is your business properly insured for the risks involved? Here’s why you need to be covered.
When Does a Holiday Gift Become a Tool of Your Trade?
It’s wise to talk to your broker and ask for an annual review of your policy as your business grows. Regardless of your profession, don’t forget to protect any new items you receive this holiday season you will use to do your job.
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 protecting your property and finances throughout the winter and reducing the chances of suffering costly losses.
How to Protect Your Business on Black Friday and Cyber Monday 2024
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.
Holiday Readiness: Essential Insurance Tips for Retailers
Retailers are ramping up for the most wonderful time of the year: the holiday shopping season. Now’s the time to check your liability insurance to ensure you’re adequately covered for accidents or incidents that could devastate your bottom line. Here’s what to know.
How Does Business Interruption Insurance Help Restaurants?
Business interruption insurance helps restaurant owners deal with forced closures following an insurable loss, like a fire that destroys their properties. Here’s why your eatery needs it and what it covers and doesn’t.
Small Business Tips
What Online Sellers and Retailers Should Know About Product Liability Insurance
As retailers, e-commerce businesses, and online sellers aim to grow their bottom lines in the last three months of the year, now’s the time to ensure they have adequate product liability insurance to safeguard their finances. Here’s what to know.
7 Inexpensive Tools for Small Businesses to Create Videos
Using videos to market your business can be a game-changer. For small business owners and self-employed professionals on tight budgets, see our list of options for creating engaging videos with minimal effort and cost.
Fire Prevention Week 2024: How to Protect Your Small Business From Fires
October 6 to 12 is Fire Prevention Week in Canada. See our tips and resources for minimizing the risk of fire on your commercial property and how business insurance can help your company recover following a fire.
Insurance
Insurance Considerations for E-Commerce Businesses During the Holidays
With the busiest shopping season of the year underway, online retailers and e-commerce businesses need to be vigilant to prevent data breaches and cyber-attacks and get coverage for customer injuries. Here’s how insurance can help.
Contractors: Are You Insured for Installing Christmas Lights for Your Customers?
Offering holiday light installation is a great service to offer your customers – but is your business properly insured for the risks involved? Here’s why you need to be covered.
When Does a Holiday Gift Become a Tool of Your Trade?
It’s wise to talk to your broker and ask for an annual review of your policy as your business grows. Regardless of your profession, don’t forget to protect any new items you receive this holiday season you will use to do your job.
Financial Business Tips
10 Business Insurance Claims We Saw in 2023
For some professionals or business owners, buying business insurance is a legal or regulatory requirement. For others, it is not. Either way, it’s wise to do so. Here are 10 real-life reasons why you should.
Will the Bank of Canada Cut Interest Rates in 2024?
The Canadian central bank’s first interest rate decision and announcement of 2024 is hotly anticipated. Will the Bank of Canada announce an interest rate hike, cut, or will it hold its rate steady? Here’s how each possibility may affect small businesses.
8 Tax Filing Tips for Sole Proprietors
The deadline for Canadian sole proprietors to file tax returns is fast approaching. Find out when your return is due and how sole proprietors can reduce their tax bills.
Cybersecurity
5 Best VPN Providers for Small Businesses
Looking to enhance your business’s cybersecurity defences? Purchasing a virtual private network (VPN) to encrypt your online traffic and conceal your location may be worthwhile. See our list of VPN providers to consider.
What Small Businesses Need to Know About Cyber Insurance
Data shows that 69% of Canadian small businesses don’t consider cybersecurity a financial priority, and only 20% have any intention of purchasing cyber insurance. Here’s why those small businesses need to get serious about cybersecurity.
What Is First-Party Fraud and How Can You Protect Your Business From It?
Fraud is a significant financial risk to organizations of all sizes and industries. First-party fraud can be difficult to detect among the many types of fraud. Here’s how you can safeguard your business from it.
Startup Tips
5 Common Consultant Insurance Claims
The services consultants provide to their customers expose them to many liability risks that can affect their reputations and finances. Here are five real-life insurance claims a handful of our consultant clients faced and how insurance helped them recover.
Blackout: 9 Power Outage Tips for Small Business Owners
No power in your shop means no customers walking through your door. Likewise, no power means no internet. While most power outages or blackouts tend to be short-lived, that’s not always the case. Here’s how you can prepare your business for a sustained outage.
How to Start a Dog Walking Business
Discover the ins and outs of the dog walking business with our guide highlighting the vital skills you need, how to find clients and organize your operations, set prices, and understand your liability insurance needs.