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
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.
Celebrating Small Business Month Canada 2024
October is Small Business Month in Canada, a celebration encapsulating the heart and soul of our country’s entrepreneurial spirit. See our list of learning and financing resources to help your small business or startup thrive and grow.
Preparing Your Business Vehicle for Autumn and Winter
Driving in dark, slick, or wintry conditions can be more demanding than driving in the summertime. See our safe driving tips and recommendations for preparing your vehicle for the colder temperatures before the weather turns.
Insurance
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.
Why November Is the Perfect Time for Bookkeepers to Review Their Insurance
As we inch toward the end of another year, bookkeepers are busy preparing for the end of their clients’ financial year. But now is the ideal time for bookkeepers to review and assess their insurance. We’ll give you 10 reasons why.
Is Your Salon Ready for the Holidays? Insurance Tips for Beauticians
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.
Financial Business Tips
How to Declare Your Small Business’s Annual Revenues and Why It Matters
One of the questions insurance providers ask when pricing a business insurance policy is what your profession's or company's annual and projected revenue is. Learn why, how to calculate the numbers, and why providing accurate figures is critical.
Federal Budget 2023: 5 Key Takeaways for Small Businesses
Though this budget may have fallen short of what some small business owners were hoping for, here are five things it includes that may prove beneficial to your small business.
How to Grow Your Small Business in an Uncertain Economy
Economists expect the Canadian economy to grow by 0.5% in 2023. That’s significantly less than the 3.5% growth realized in 2022. See our tips for small businesses grappling with increasing their margins and remaining competitive.
Cybersecurity
What Is Cyber Insurance?
A majority of Canadians (88%) say they've experienced an increase in attempts to defraud them, and 63% of business owners admit their cybersecurity budget is less than 10% of their IT budgets. Small business owners should take action as more sophisticated threats emerge. Here’s how cyber liability insurance can help.
10 Cybersecurity Tips for Small Businesses
October is Cybersecurity Awareness Month in Canada. Ransomware attacks are among the most common cybersecurity incidents Canadian small businesses face, but there are many others. Here are ways you can fight back.
Does Your Small Business Need a Cybersecurity Strategy?
Many small business owners may not be aware of the likelihood of falling prey to a cybercriminal, thinking they’re too small for a crook to target. That’s not true. Follow our steps for creating an inexpensive cybersecurity strategy to protect your business.
Startup Tips
How to Become a General Contractor
Starting a general contracting business is a rewarding and exhilarating entrepreneurial venture. A general contractor wears many hats, and is often held accountable for every aspect of a building project. Here’s what you need to know to get started.
How to Start a Tutoring Business in Canada
Tutoring is a private and supplementary method of academic instruction and support. The expectation is tutors have exhaustive knowledge or demonstrated expertise in their subjects of focus. Here’s what to know to start your tutoring business.
How to Start an Amazon Business in Canada
If you’ve never sold goods online before, starting an Amazon business is straightforward because this third-party marketplace provides all the information you need. Get an overview of what you need to know, including how to protect your business.