Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
What Is a Business Insurance Peril?
There are a variety of risks or perils that can cause expensive losses or damages to a business owner. Get a quick rundown of what is considered an insurance peril and how to ensure you have the right type of coverage to protect your finances.
Protect Your Green: How the Right Insurance Saves Landscapers Money
The first day of spring is less than two weeks away. Now’s the time for landscaping and lawn care professionals to prepare for the season ahead, including having the insurance protection they need. Here’s what you should know.
How to Develop a Loss Prevention Strategy for Retailers
An estimated 57% of Canadian small businesses dealt with theft or shoplifting in 2023 and shoplifting costs retailers around $5 billion annually. Here’s how a loss prevention strategy and customized business insurance can help protect a retailer’s finances.
Risk Alert: 70% of Self-Employed Canadians Don’t Have Business Insurance
An estimated 13.2% of Canadians (about 2.6 million) are self-employed professionals. A recent snapshot poll of these individuals finds an overwhelming majority do not have liability insurance and may be risking financial ruin.
General Liability vs Professional Liability Insurance: Which One Do You Need?
Both general liability and professional liability insurance are vital coverages for business owners and independent professionals, but they each cover different types of risks. There is no better insurance than knowledge, so here's a simple breakdown of each.
Climate Change Risks: What Business Property Coverage Does Your Small Biz Need?
In the last decade, 87,000 Canadian businesses suffered financial losses due to severe weather and natural disasters, and 2024 was the worst for insurable losses caused by catastrophic weather and natural disasters. Here’s what you can do to protect your small business.
Small Business Tips
Zensurance Business Grant Winner 2024: Down East Dance Academy
Meet our $10,000 and $1,000 small business grant winners, their advice for other business owners and entrepreneurs, and why insurance is an essential part of their financial wellness.
5 Common Winter Business Insurance Claims
Accidents and mishaps leading to insurance claims can happen to any business owner at any time, but winter weather can raise the stakes considerably. Here are five wintertime claims our clients had to contend with and how their insurance coverage helped them recover.
How General Contractors Can Price a Job
Customer quotes allow contractors to set expectations and ensure a project goes smoothly and satisfactorily. However, pricing too low won’t cover your costs, and pricing too high risks not scoring the job. See our guide for tips on how to strike the right balance.
Insurance
Does Commercial Property Insurance Include Protection for Overland Floods?
Flooding in an average year in Canada causes around $2.78 billion in structural damages to properties. With spring inching closer, the risk of flooding rises. Here’s what you need to know to protect your business property from water damage.
What Is a Business Insurance Peril?
There are a variety of risks or perils that can cause expensive losses or damages to a business owner. Get a quick rundown of what is considered an insurance peril and how to ensure you have the right type of coverage to protect your finances.
Protect Your Green: How the Right Insurance Saves Landscapers Money
The first day of spring is less than two weeks away. Now’s the time for landscaping and lawn care professionals to prepare for the season ahead, including having the insurance protection they need. Here’s what you should know.
Financial Business Tips
10 Financial Planning Tips for Small Businesses in 2025
Making informed decisions, dealing with unforeseen challenges, and positioning your business for sustained growth requires planning. See our financial planning tips to help your small business grow and thrive in 2025.
5 Tips for Increasing Your Small Business’s Profit in a Slow Economy
Challenges remain for small businesses to grow their profit margins due to inflation and higher-than-average interest rates. Here are five things you can do to grow profitability in a tight economic environment.
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.
Cybersecurity
8 Cybersecurity Tools for Small Businesses Using Mobile Devices
Mobile device security threats are rising. Most Canadian small businesses use mobile devices for their operations. Securing the devices your employees and company use is vital to a well-rounded cybersecurity plan. See our suggestions for upping your mobile security.
What to Do If Your Small Business Suffers a Cyber-Attack
An estimated 69% of Canadian small businesses don't consider cybersecurity a financial priority, and only 20% intend to purchase a cyber insurance policy. If you suspect your business has experienced a cyber-attack or data breach, taking immediate action is critical to minimize the damage.
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.
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.
