Zensurance Small Business Insights
News and resources for Canadian small businesses and startups covering the economic and business insurance landscape.
Recent posts
Product Liability Insurance: Why Retailers and Online Sellers Can’t Afford to Go Without It
For retailers, online sellers, e-commerce companies and other enterprises, product liability claims and lawsuits could spell the end of their businesses. Here’s how product liability insurance can protect your finances.
Malpractice Insurance for Mental Health Professionals: What You Need to Know
Mental health and wellness practitioners who strive to help people overcome their challenges and live healthier lives face many significant pitfalls that could upend their careers and reputations. Here’s how these professionals can protect themselves.
10 Questions to Ask Before Renewing Your Small Business Insurance
Reviewing your insurance coverage at least annually is recommended before renewing a policy. It’s also worthwhile to ask an insurance broker a few questions to ensure you’ve got the protection your company needs. Here are 10 questions to ask.
Trump Tariffs: How Canadian Small Businesses Can Prepare
Canada’s economy is deeply intertwined with the American economy. If the Trump administration imposes a 25% tariff on all Canadian imports, Canada’s economy and small business community could be dramatically affected. Here’s what to know.
How to Get a General Contractors License in Ontario
General contractors coordinate all aspects of construction and renovation projects, ensuring each job meets high-quality standards and adheres to safety and building codes. Learn the steps for getting the contractor licensing you need in Ontario.
8 Tax Filing Tips for Sole Proprietors
The deadline for Canadian sole proprietors and self-employed professionals to file tax returns in 2025 is fast approaching. These professionals are solely responsible for filing and paying their taxes on time. Find out when your return is due and how sole proprietors can reduce their tax bills.
Small Business Tips
10 Insurance Tips for Women Entrepreneurs
Navigating the complexities of acquiring the right type of liability insurance can be daunting for any entrepreneur in any industry. See our insurance tips for helping women-owned businesses and startups make informed decisions.
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.
Insurance
10 Cybersecurity Risks to Small Businesses in 2025
Cyber-related threats and attacks on businesses are constantly evolving. Cyber insurance is a crucial component of any business insurance policy, but so is being aware of the threats that could imperil your business. Here are 10 cyber risks to watch out for this year.
Essential Insurance Policies Every General Contractor Needs in 2025
Contractors and construction professionals should nail down the coverage they need and be prepared for the months ahead when construction and renovation season kicks into high gear.
What Is a Commercial Insurance Bond?
A commercial insurance bond is different from a business insurance policy. Both are valuable risk management tools, but they each serve unique purposes. Get an overview of the differences and the types of bonds your small business may need.
Financial Business Tips
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.
How to Get a Small Business Grant in Canada
See our list of grants for Canadian small businesses and startups you can apply for to grow your business and the steps needed to qualify for them.
How Small Businesses Can Solve Cash Flow Problems
Avoiding complications by maintaining a healthy cash flow is critical for your small business. That doesn’t mean it’s easy to do so. See our recommendations for planning to maintain a healthy cash balance so you can focus on your long-term goals.
Cybersecurity
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.
How to Protect Your Point-Of-Sale (POS) System From Fraud
Businesses utilizing point-of-sale (POS) terminals and software for financial transactions are susceptible to fraudulent activity. See our tips for preventing POS fraud and get an overview of the types of insurance that can cover your losses if it happens to your company.
Startup Tips
How to Start a Business in Ontario
Are you thinking about taking charge of your future by starting a small business in Ontario? Get an overview of the steps you need to take to become your own boss.
How to Become a Personal Trainer in Canada
There are many things to consider if you’re looking into becoming a personal trainer. From certifications and licensing and choosing a niche to protecting yourself with business insurance, get an overview of how to get started.
9 Steps to Starting a Home Renovation Business
With the economic headwinds Canada is currently facing, you might think the demand for home renovation projects is waning. Data suggests otherwise. Here are the steps to take to get your home renovation business up and running.