# LLMs.txt - Sitemap for AI content discovery # Zensurance > --- ## Pages - [Landlord Insurance Coverage](https://www.zensurance.com/landlord-insurance/what-does-landlord-insurance-cover): This comprehensive guide explains what a landlord insurance policy can cover for your property. - [Temu Seller Insurance](https://www.zensurance.com/retail-insurance/temu-seller-insurance): Get a customized business insurance policy to protect Temu sellers. Get a free Temu insurance quote today! - [Grant voting](https://www.zensurance.com/grant-voting): - [Vote - Small Business Grant](https://www.zensurance.com/small-business-grant/vote): Vote to select this year's Zensurance Small Business Grant Winner. - [Travel Agent Insurance](https://www.zensurance.com/eo-insurance-for-travel-agents): At Zensurance we simplify the process of getting travel agent liability insurance. Get a free online e&o insurance quote, it's quick & easy! - [Partner - Swoop](https://www.zensurance.com/swoop): Zensurance and Swoop have partnered to offer you savings on business insurance packages. Get a free quote today! - [One of a Kind](https://www.zensurance.com/one-of-a-kind): https://www. zensurance. com/wp-content/uploads/2025/03/Zen-One. png - [Partner - The Suite House](https://www.zensurance.com/suitehouse): Zensurance and The Suite House have partnered to offer you savings on business insurance packages. Get a free quote today! - [Login](https://www.zensurance.com/login): If you need further assistance or additional content creation, feel free to ask! - [TEST-General Liability Insurance](https://www.zensurance.com/general-liability-insurance-b): Commercial general liability insurance protects your small business against legal claims of injury and property damage. Get a free CGL quote! - [TestZen20](https://www.zensurance.com/testzen20): Content box #1 Content box #2 Content box #3 Content box #4 Content box #5 Content box #6 - [How to Protect Your Business Property in the Era of Climate Change](https://www.zensurance.com/guides/how-to-protect-your-business-property-in-the-era-of-climate-change): Discover strategies to protect your business from climate risks. Download our guide for tips on loss prevention and insurance solutions. - [Guide: The Small Business Artificial Intelligence (AI) Handbook](https://www.zensurance.com/guides/the-small-business-artificial-intelligence-ai-handbook): Learn how small businesses can safely use AI. Download our handbook to discover risks and best practices for AI implementation. - [Apartment Building Insurance](https://www.zensurance.com/landlord-insurance/apartment-building): Zensurance can help you find the best rates for comprehensive apartment building insurance. Get a free online quote today! - [BC Special Event Insurance](https://www.zensurance.com/british-columbia-business-liability-insurance/special-event): Zensurance can help you get comprehensive special event insurance coverage at the best rates. Get a free online quote today! - [Home Business Insurance Ontario](https://www.zensurance.com/ontario-business-liability-insurance/home-business): Get comprehensive home business insurance coverage for your Ontario business with Zensurance. Get a free online quote today! - [Cybercrime Insurance](https://www.zensurance.com/cybercrime-insurance): Cybercrime insurance can help your business cover the loss of funds due to cybercrime, including phishing, hacking, or social engineering fraud. Get a free quote today! - [Business Liability Insurance](https://www.zensurance.com/business-liability-insurance-canada-2): At Zensurance we simplify the process of getting commercial insurance for your business. Get a free online quote! - [Snow Removal Insurance Ontario](https://www.zensurance.com/ontario-business-liability-insurance/snow-removal): Get comprehensive snow removal insurance coverage for your business with Zensurance. Get a free online quote today! - [Insurance Guides](https://www.zensurance.com/guides): Our free guides are designed to enrich your knowledge and help you understand your insurance needs better. Download one or all of our free guides now! - [Guide: A Guide to Small Business Insurance in Canada](https://www.zensurance.com/guides/a-guide-to-small-business-insurance-in-canada): Learn how to protect your small business from lawsuits and costly errors. Download the Canadian Small Business Insurance Guide for free! - [Liability Insurance](https://www.zensurance.com/liability-insurance): Business liability insurance protects your business against claims of third-party liability accidents, such as property damage or bodily injury. Get a free quote! - [Privacy Policy for APP](https://www.zensurance.com/privacy-policy-2): Privacy Policy sets out the manner in which information about you (“Personal Information”) is collected, used, disclosed and otherwise managed in connection with the www.zensurance.com - [TEST...](https://www.zensurance.com/test): Get a quote to access our exclusive perks! See Perks Get your certificate of insurance instantly! Get a Free Quote - [Psychotherapist Liability Insurance](https://www.zensurance.com/psychotherapist-liability-insurance): At Zensurance we simplify the process of getting professional liability insurance for psychotherapists in Canada. Get a free quote, it's quick and easy! - [Richmond Business Liability Insurance](https://www.zensurance.com/richmond-business-liability-insurance): At Zensurance we simplify the process of getting business insurance in Richmond, BC. 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Get a free online quote and save today! - [BC Restaurant Insurance](https://www.zensurance.com/british-columbia-business-liability-insurance/restaurant): Zensurance can help you get comprehensive restaurant insurance coverage for your BC restaurant. Get a free online quote today! - [Oshawa Business Liability Insurance](https://www.zensurance.com/oshawa-business-liability-insurance): At Zensurance we simplify the process of getting commercial insurance for Oshawa small businesses. Get a free quote, it's quick & easy! - [Soccer Insurance](https://www.zensurance.com/sports-insurance/soccer): At Zensurance we simplify the process of getting liability insurance for soccer teams, leagues and coaches. Get a free quote! - [Dog Trainer Insurance](https://www.zensurance.com/pet-services-insurance/dog-training): At Zensurance we simplify the process of getting pet & dog trainer insurance. Get a free insurance quote, it's quick & easy! - [Partner - Amazon](https://www.zensurance.com/zensurance-insurance-program): Zensurance and Amazon have partnered to offer Amazon sellers savings on their business insurance policies. Get a free quote today! - [Moving Company Insurance](https://www.zensurance.com/moving-company-insurance): At Zensurance we simplify the process of getting liability insurance for your moving business. Get a free insurance quote, it's quick & easy! - [Dropshipping Insurance](https://www.zensurance.com/e-commerce-insurance/dropshipping): At Zensurance we simplify the process of getting insurance for your dropshipping business. Get a free online quote, it's quick & easy! - [Sports Coach Insurance](https://www.zensurance.com/sports-coach-insurance): Get low-cost sports coach liability insurance from Zensurance. Comprehensive protection for coaches at all levels. Get a quote today! - [Side Hustle Insurance](https://www.zensurance.com/side-hustle-insurance): At Zensurance we simplify the process of getting insurance for your side hustle. Get a free side hustle business insurance quote, it's quick & easy! - [Zensurance Business Contents Calculator](https://www.zensurance.com/business-contents-calculator): Try our free business contents insurance calculator to ensure your commercial property and contents are adequately protected. - [Franchise Business Insurance](https://www.zensurance.com/franchise-business-insurance): Get comprehensive insurance coverage to protect your franchise business from liability and risks. Get a free quote today! - [Professional Liability Insurance Calgary](https://www.zensurance.com/calgary-business-liability-insurance/professional-liability): Zensurance provides low-cost professional liability insurance quotes for small business owners in Calgary. Get a free online quote! - [Partner - Canadian Association of Natural Nutritional Practitioners](https://www.zensurance.com/cannp): Zensurance and CANNP have partnered to offer members savings on business insurance. Get a free quote today! - [Drywall Contractor Insurance](https://www.zensurance.com/contractor-insurance/drywaller): At Zensurance we simplify the process of getting drywall contractor insurance. Get a free quote, it's quick and easy! - [Partner - West Nova Chamber](https://www.zensurance.com/wncc): Zensurance and West Nova Chamber of Commerce have partnered to offer you savings on business insurance packages. Get a free quote today! - [Pharmacy Technician Insurance](https://www.zensurance.com/pharmacy-technician-insurance): Pharmacist Technician Insurance: Safeguard yourself and your patients with comprehensive professional liability insurance coverage. Get a free online quote today! - [Special Event Insurance](https://www.zensurance.com/event-insurance): At Zensurance we simplify the process of getting special event insurance. Get a free quote, it's quick and easy! - [Help Centre](https://www.zensurance.com/help-centre): Zensurance - Help Centre. Can't find an answer to your question? Call us at: 1-888-654 6030 or email: support@zensurance.com - [Auto Detailing Insurance](https://www.zensurance.com/auto-detailing-insurance): Get a customized auto detailer liability insurance policy to protect your car detailing business. Get a free online quote! - [Vape Shop Insurance](https://www.zensurance.com/retail-insurance/vape-shop): Get low-cost business insurance to protect your vape shop. Compare quotes and get the coverage you need quickly and easily! - [Laundromat and Dry Cleaner Insurance](https://www.zensurance.com/retail-insurance/laundromat-and-dry-cleaner): Find the best rates for laundromat and dry cleaner insurance. Compare quotes and get the coverage you need quickly and easily! - [DJ Insurance](https://www.zensurance.com/entertainment-insurance/dj): Save up to 35% on your DJ insurance policy. Protect your DJ business from professional liability risks and coverage for your equipment. - [How Much Does General Liability Insurance Cost?](https://www.zensurance.com/general-liability-insurance/cost): How much is general liability insurance? Learn the various risk factors determining the CGL policy cost for your business. - [Pet Grooming Insurance](https://www.zensurance.com/pet-services-insurance/pet-grooming): At Zensurance we simplify the process of getting pet groomer insurance. Get a free quote, it's quick and easy! - [Errors and Omissions (E&O) Insurance BC](https://www.zensurance.com/british-columbia-business-liability-insurance/errors-and-omissions): Zensurance provides low-cost errors and omissions insurance quotes for small business owners in BC. Get a free online quote! - [Restaurant Insurance Ontario](https://www.zensurance.com/ontario-business-liability-insurance/restaurant): Business insurance for Ontario restaurant owners protects against liability resulting from injuries and coverage for property and equipment. - [Contractor Insurance Nova Scotia](https://www.zensurance.com/nova-scotia-business-liability-insurance/contractor): At Zensurance we simplify the process of getting contractors' insurance in Nova Scotia. Get a free quote today! - [Professional Liability Insurance BC](https://www.zensurance.com/british-columbia-business-liability-insurance/professional-liability): Zensurance provides low-cost professional liability insurance quotes for small business owners in BC. Get a free online quote! - [Errors and Omissions Insurance Alberta](https://www.zensurance.com/alberta-business-liability-insurance/errors-and-omissions): Zensurance makes it easy for Alberta business owners to purchase errors and omissions insurance. Get a free online quote in just a few clicks! - [Liquor Liability Insurance](https://www.zensurance.com/liquor-liability-insurance): Liquor liability insurance provides financial protection for businesses that manufacture, serve, distribute, or sell alcohol. Get a free quote! - [Locksmith Insurance](https://www.zensurance.com/contractor-insurance/locksmith): Get comprehensive insurance coverage to protect your locksmith business. Receive an instant quote in just a few clicks! - [Basketball Insurance](https://www.zensurance.com/sports-insurance/basketball): Liability Insurance for basketball teams, leagues, coaches and trainers. Get a free basketball insurance quote from Zensurance. - [Musician Insurance](https://www.zensurance.com/entertainment-insurance/musician): Musicians Liability Insurance - Comprehensive liability insurance to protect musicians, bands and music equipment. Get a free quote. - [Grant - Terms and Conditions](https://www.zensurance.com/grant-terms-and-conditions): Terms and Conditions - Zensurance Small Business Grant. - [Performer and Entertainer Insurance](https://www.zensurance.com/entertainment-insurance/performer-and-entertainer): Performer and Entertainer Insurance: Your Stage, Your Security - Get comprehensive liability insurance tailored for performers & entertainers. - [Artisan and Crafter Insurance](https://www.zensurance.com/retail-insurance/artisan-and-crafter): Secure Your Craft with Artisan and Crafter Insurance - Protect your creative business and handcrafted masterpieces with craft liability insurance. - [Zensurance - Small Business Grant](https://www.zensurance.com/small-business-grant): Win $10,000 to Fund Your Small Business! The #ZensuranceGrant2025 application is open to all Canadian small business owners, entrepreneurs & startups - [Partner - Fitt Gym](https://www.zensurance.com/fitt-gym): Zensurance and Fitt Gym have partnered to offer their trainers savings on their liability insurance policy. Get a free quote. - [Information Technology Insurance](https://www.zensurance.com/technology-insurance/it-professionals): Get a custom information technology professional liability insurance quote. Protect your IT business today! - [Hockey Insurance](https://www.zensurance.com/sports-insurance/hockey): Get a customized hockey liability insurance policy that protects amateur leagues, teams, coaches, and trainers, from player injuries to improper training & instruction. - [Journalist Insurance](https://www.zensurance.com/journalist-insurance): At Zensurance we simplify the process of getting liability insurance for journalists. Get a free online insurance quote, it's quick & easy! - [Liability Insurance](https://www.zensurance.com/liability-insurance-4): Business liability insurance protects your business against claims of third-party liability accidents, such as property damage or bodily injury. Get a free quote! - [Caregiver Insurance](https://www.zensurance.com/caregiver-insurance): Caregiver insurance: Safeguard yourself and your patients with comprehensive liability insurance coverage. Get a free online quote today! - [Holistic Health Practitioner Insurance](https://www.zensurance.com/holistic-health-practitioner-insurance): Get low-cost professional liability insurance for holistic health practitioners. Get a free quote, it's quick and easy! - [Perks - Portal](https://www.zensurance.com/perks/start): https://www. zensurance. com/wp-content/uploads/2023/03/Zensurance-Large. pnghttps://www. zensurance. com/wp-content/uploads/2023/03/Zensurance-Large. png You're about to unlock Zensurance Perks! If you have recently become a Zensurance... - [Resources](https://www.zensurance.com/resources): Check out our latest press releases, news stories and media coverage. For press inquiries, please contact: media@zensurance.com - [Perks](https://www.zensurance.com/perks): Let Zensurance help you grow your business by tapping into the exclusive offers our partners provide.  - [Lifeguard and Swim Instructor Insurance](https://www.zensurance.com/sports-insurance/lifeguard-and-swim-instructor): At Zensurance we simplify the process of getting liability insurance for lifeguards and swim instructors. Get a free quote, it's quick & easy! - [Notary E&O Insurance](https://www.zensurance.com/notary-eo-insurance): Notary errors and omissions (E&O) insurance protects notaries by covering claims related to their professional services. Get a free quote! - [Cottage Rental Insurance](https://www.zensurance.com/cottage-rental-insurance): At Zensurance we simplify the process of getting cottage rental property insurance. Get a free insurance quote, it's quick & easy! - [Craft Show Insurance](https://www.zensurance.com/vendor-insurance/craft-show): At Zensurance we simplify the process of getting craft show vendor liability insurance for trade shows. Get a free quote, it's quick & easy! - [Butcher Shop Insurance](https://www.zensurance.com/retail-insurance/butcher-shop): At Zensurance we simplify the process of getting butcher shop insurance. Get a free quote, it's quick and easy! - [Commercial Auto Insurance Nova Scotia](https://www.zensurance.com/nova-scotia-business-liability-insurance/commercial-auto): Let Zensurance help you find the best rates for commercial auto insurance in Nova Scotia. Get a free quote online in just few minutes. - [HR Consultant Insurance](https://www.zensurance.com/consultant-insurance/hr): At Zensurance we simplify the process of getting HR consultant insurance. Get a free quote, it's quick & easy! - [Vending Machine Insurance](https://www.zensurance.com/restaurant-insurance/vending-machine): Vending machine insurance is a specialized insurance policy designed to protect from the unique risks that vending machine business owners face. - [Jewellery Store Insurance](https://www.zensurance.com/retail-insurance/jewellery-store): At Zensurance we simplify the process of getting business insurance for jewellery stores. Get a free quote, it's quick and easy! - [Guides and Outfitters Insurance](https://www.zensurance.com/guides-and-outfitters-insurance): At Zensurance we simplify the process of getting guides and outfitters insurance. Get a free online quote, it's quick & easy! - [VRBO Insurance](https://www.zensurance.com/vrbo-insurance): At Zensurance we simplify the process of getting insurance for your VRBO rental property. Get a free quote, it's quick & easy! - [Bed and Breakfast Insurance](https://www.zensurance.com/bed-and-breakfast-insurance): At Zensurance we simplify the process of getting insurance for your bed and breakfast business. Get a free online quote, it's quick & easy! - [Marketing Consultant Insurance](https://www.zensurance.com/consultant-insurance/marketing): At Zensurance we simplify the process of getting marketing consultant insurance. Get a free quote, it's quick & easy! - [Cargo Insurance](https://www.zensurance.com/cargo-insurance): Cargo insurance provides financial coverage for the in-transit items or products you ship to customers. Get a free quote today! - [Car Wash Insurance](https://www.zensurance.com/car-wash-insurance): Get comprehensive insurance coverage to protect your car wash business from liability and risks. Get a free quote today! - [Partner - Syzl](https://www.zensurance.com/syzl): Zensurance and Syzl have partnered to offer their customers saving on business insurance. Get a free quote today! - [Virtual Assistant Insurance](https://www.zensurance.com/virtual-assistant-insurance): At Zensurance we simplify the process of getting liability insurance for virtual assistants. Get a free quote today! - [Pet Sitting Insurance](https://www.zensurance.com/pet-services-insurance/pet-sitting): At Zensurance we simplify the process of getting pet sitting insurance. Get a free quote, it's quick and easy! - [Partner - Cosmopolitan Academy](https://www.zensurance.com/cosmopolitan-academy): Zensurance and Cosmopolitan Academy have partnered to offer their students savings on beauty insurance. Get a free quote today! - [Partner - Luxy Beauty](https://www.zensurance.com/luxy-beauty): Zensurance and Luxy Beauty have partnered to offer you savings on your beauty insurance policy. Get a free quote! - [Concrete Contractor Insurance](https://www.zensurance.com/contractor-insurance/concrete): Get comprehensive insurance coverage to protect your concrete business. Receive an instant quote in just a few clicks! - [Commercial Auto Insurance New Brunswick](https://www.zensurance.com/new-brunswick-liability-insurance/commercial-auto): Get the lowest rates for commercial auto insurance in New Brunswick with Zensurance. Online coverage in just few minutes. - [Commercial Auto Insurance Newfoundland](https://www.zensurance.com/newfoundland-business-liability-insurance/commercial-auto): Protect your business vehicles in Newfoundland by getting commercial auto insurance quote from Zensurance. Get a free quote online in just few minutes. - [Commercial Auto Insurance Prince Edward Island](https://www.zensurance.com/prince-edward-island-liability-insurance/commercial-auto): Zensurance makes it easy for small business owners in PEI to get commercial auto insurance. Get a free online quote in just a few clicks! - [Commercial Auto Insurance Alberta](https://www.zensurance.com/alberta-business-liability-insurance/commercial-auto): Zensurance makes it easy for Alberta business owners to get commercial auto insurance. Get a free online quote in just a few clicks! - [Milton Business Liability Insurance](https://www.zensurance.com/milton-business-liability-insurance): Protect your small business in Milton with a tailored business insurance policy. Get a free online quote in just a few clicks! - [Barrie Business Liability Insurance](https://www.zensurance.com/barrie-business-liability-insurance): Zensurance makes it easy for small business owners in Barrie to purchase business insurance. Get a free online quote in just a few clicks! - [Warehouse Insurance](https://www.zensurance.com/warehouse-storage-insurance): At Zensurance we can help you find the best rates for your warehouse and storage insurance quote. Get a free quote, it's quick & easy! - [Employers’ Liability Insurance](https://www.zensurance.com/employers-liability-insurance): Employers' liability insurance protects your business from costs associated with employee injuries, illnesses, or death. Get a free online quote! - [Professional Liability Insurance Alberta](https://www.zensurance.com/alberta-business-liability-insurance/professional-liability): Zensurance makes it easy for Alberta business owners to purchase professional liability insurance. Get a free online quote in just a few clicks! - [Social Media Influencer Insurance](https://www.zensurance.com/media-and-marketing-insurance/social-media-influencer): At Zensurance we simplify the process of getting Social Media Influencer Insurance. Get a free quote, it's quick and easy! - [Mental Health Practitioner Insurance](https://www.zensurance.com/mental-health-practitioner-insurance): At Zensurance we simplify the process of getting professional liability insurance for mental health professionals. Get a free quote, it's quick and easy! - [Convenience Store Insurance](https://www.zensurance.com/retail-insurance/convenience-store): Find the best rates for convenience store insurance. Compare multiple quotes, and get the coverage you need quickly and easily! - [Media Liability Insurance](https://www.zensurance.com/media-liability-insurance): Media liability insurance coverage protect your business’s digital and printed media risks. Get a free quote, it's quick and easy. - [Food and Beverage Manufacturing Insurance](https://www.zensurance.com/manufacturing-insurance/food-and-beverage): At Zensurance we help Canadian food and beverage manufacturers save on their business liability insurance. Get a free quote, it's quick and easy! - [Personal Chef Insurance](https://www.zensurance.com/restaurant-insurance/chef): Personal chef insurance is an essential coverage to help protect against the risks of third-party accidents. Get a free online quote from Zensurance! - [Artist Insurance](https://www.zensurance.com/artist-insurance): At Zensurance we simplify the process of getting artist liability insurance. Get a free online insurance quote, it's quick & easy! - [Trade Show Exhibitor Insurance](https://www.zensurance.com/vendor-insurance/trade-show-exhibitor): At Zensurance we simplify the process of getting exhibitor liability insurance for trade shows. Get a free quote, it's quick & easy! - [Tanning Salon Insurance](https://www.zensurance.com/beauty-insurance/tanning-salon): Get custom liability insurance coverage to protect your tanning salon business. Instant online pricing is available! - [Partner - Village Craft and Candle](https://www.zensurance.com/villagecraftandcandle): Zensurance and Village Craft and Candle. have partnered to offer VCC customers savings on business insurance. - [Pressure Washing Insurance](https://www.zensurance.com/contractor-insurance/pressure-washing): Get comprehensive insurance coverage to protect your pressure washing business. Receive an instant quote in just a few clicks! - [Management Liability Insurance](https://www.zensurance.com/management-liability-insurance): At Zensurance we simplify the process of getting Management Liability Insurance. Get a free quote, it's quick and easy! - [Hurricane Fiona Disaster Preparedness Survival Kit](https://www.zensurance.com/hurricane-fiona-disaster-preparedness-survival-kit): Support and tips to help business owners in Atlantic Canada prepare for Hurricane Fiona - [Clothing Store Insurance](https://www.zensurance.com/retail-insurance/clothing-store): Get a customized business insurance policy to protect your clothing store. Get a free quote today! - [Hospitality Insurance](https://www.zensurance.com/hospitality-insurance): At Zensurance we simplify the process of getting Hospitality Business Insurance. Get a free quote, it's quick and easy! - [Personal Support Worker (PSW) Insurance](https://www.zensurance.com/personal-support-worker-insurance): At Zensurance we simplify the process of getting personal support worker (PSW) insurance. 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Get a free quote, it's quick & easy! - [Speech Language Pathologist Insurance](https://www.zensurance.com/speech-language-pathologist-insurance): Speech Language Pathologist Insurance - At Zensurance we simplify the process of getting SLP insurance. Get a free quote, it's quick & easy! - [Tutor Insurance](https://www.zensurance.com/tutor-insurance): At Zensurance we simplify the process of getting tutor insurance. Get a free quote, it's quick and easy! - [Wedding Planner Insurance](https://www.zensurance.com/wedding-planner-insurance): At Zensurance we simplify the process of getting wedding planner business insurance. Get a free quote, it's quick & easy! - [Web Developer Insurance](https://www.zensurance.com/web-developer-insurance): At Zensurance we simplify the process of getting liability insurance for web developers and web designers. Get a free quote, it's quick & easy! - [Gas Station Insurance](https://www.zensurance.com/gas-station-insurance): At Zensurance we simplify the process of getting business insurance for gas stations. Get a free online quote, it's quick & easy! - [Oil and Gas Insurance](https://www.zensurance.com/oil-and-gas-insurance): At Zensurance we simplify the process of getting industry-tailored oil and gas insurance. Get a free quote, it's quick and easy! - [Commercial Auto Insurance Ontario](https://www.zensurance.com/ontario-business-liability-insurance/commercial-auto): Ontario business owners who operate work vehicles are at risk of accident claims. Get protected with commercial auto insurance. - [Oakville Business Liability Insurance](https://www.zensurance.com/oakville-business-liability-insurance): At Zensurance we simplify the process of getting business insurance in Oakville. Get a free quote, it's quick & easy! - [Videographer Insurance](https://www.zensurance.com/videographer-insurance): At Zensurance we simplify the process of getting videography liability insurance. Get a free quote, it's quick & easy! - [Etsy Seller Insurance](https://www.zensurance.com/e-commerce-insurance/etsy-seller): At Zensurance we simplify the process of getting Etsy seller insurance. Get a free quote, it's quick & easy! - [Martial Arts Insurance](https://www.zensurance.com/sports-insurance/martial-arts): Get a customized liability insurance policy for your martial arts school. Get a free quote today! - [Business Contents Insurance](https://www.zensurance.com/business-contents-insurance): At Zensurance we simplify the process of getting business contents insurance. Get a free quote, it's quick and easy! - [Shopify Business Insurance](https://www.zensurance.com/e-commerce-insurance/shopify-business): At Zensurance we simplify the process of getting Shopify business insurance. 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Compare yoga insurance quotes and save with Zensurance. - [AWS](https://www.zensurance.com/technology-insurance/aws): Zensurance and AWS have partnered to offer Activate Members savings on commercial insurance for their startups. - [Legal Expense Insurance](https://www.zensurance.com/legal-expense-insurance): At Zensurance we simplify the process of getting Legal Expense Insurance. Get a free quote, it's quick and easy! - [Builder’s Risk Insurance](https://www.zensurance.com/builders-risk-insurance): At Zensurance we simplify the process of getting builder's risk insurance. Get a free quote, it's quick and easy! - [Partner - CPIRC](https://www.zensurance.com/cpric): Zensurance and the Canadian Private Investigation Resource Center have partnered to provide the fastest and easiest way to get insurance. - [Mississauga Business Liability Insurance](https://www.zensurance.com/mississauga-business-liability-insurance): At Zensurance we simplify the process of getting Business Insurance in Mississauga. Get a free quote, it's quick & easy! - [London Business Liability Insurance](https://www.zensurance.com/london-business-liability-insurance): At Zensurance we simplify the process of getting Business Insurance in London, ON. Get a free quote, it's quick & easy! - [Cyber Liability Insurance](https://www.zensurance.com/cyber-liability-insurance): Cyber insurance provides comprehensive protection to cover the costs associated with data breaches and cyber attacks against your business. - [Directors and Officers Liability Insurance](https://www.zensurance.com/directors-and-officers-liability-insurance): At Zensurance we simplify the process of getting Directors and Officers Insurance. Get a free quote, it's quick & easy! - [Partner - OAFM](https://www.zensurance.com/ontario-association-family-mediation): Zensurance and the Ontario Association for Family Mediation have partnered to provide members savings on business insurance. - [Commercial Property Insurance](https://www.zensurance.com/commercial-property-insurance): Commercial Property Insurance -protect your business-owned building, property and contents from unexpected events. Get a free quote today! - [General Liability Insurance](https://www.zensurance.com/general-liability-insurance): Commercial general liability insurance protects your small business against legal claims of injury and property damage. Get a free CGL quote! - [Partner - Willful](https://www.zensurance.com/willful): Zensurance and Willful have partnered to provide the fastest and easiest way to insure your business. - [Product Liability Insurance](https://www.zensurance.com/product-liability-insurance): At Zensurance we simplify the process of getting product liability insurance. Get a free quote, it's quick and easy! - [Malpractice Insurance](https://www.zensurance.com/malpractice-insurance): Medical malpractice insurance is a specialized professional liability policy offering coverage for health and medical professionals against patient lawsuits. - [Errors and Omissions Insurance](https://www.zensurance.com/errors-and-omissions-insurance): At Zensurance we simplify the process of getting Errors and Omissions insurance. Get a free quote, it's quick and easy! - [Business Interruption Insurance](https://www.zensurance.com/business-interruption-insurance): At Zensurance we simplify the process of getting business interruption insurance. Get a free quote, it's quick and easy! - [Partner - Aspen Properties](https://www.zensurance.com/aspen-properties): Zensurance and Aspen Properties have partnered to provide the fastest and easiest way to insure your commercial property. - [Professional Liability Insurance](https://www.zensurance.com/professional-liability-insurance): Professional Liability Insurance provides financial protection for claims alleging negligence or failure to deliver a service as promised. - [Partner - CanWCC](https://www.zensurance.com/canwcc): Zensurance and the Canadian Women's Chamber of Commerce have partnered to provide the fastest and easiest way to save on business insurance. - [Business Insurance](https://www.zensurance.com/business-insurance): Zensurance can help you find the best rates for business insurance. Protect your small business for as low as $19 per month! - [Partner - Atlantic Business Federation](https://www.zensurance.com/atlantic-business-federation): Zensurance and the Atlantic Business Federation have partnered to provide members savings on business insurance policy packages. - [Commercial Insurance by Industry](https://www.zensurance.com/commercial-insurance-industry): Commercial Insurance by Industry - Select the industry or profession that your business operates for custom-tailored insurance quotes. - [Partner - Yardly](https://www.zensurance.com/yardly): Zensurance and Yardly have partnered to provide the fastest and easiest way to insure your lawn care business. - [Pollution Liability Insurance](https://www.zensurance.com/contractor-insurance/pollution-liability): At Zensurance, we simplify the process of getting Pollution Liability Insurance insurance for contractors. Get a free quote, it's quick & easy! - [Complaints Procedure](https://www.zensurance.com/complaints-procedure): We have developed a formal complaint* handling protocol in accordance with the Insurance Companies Act of Canada to ensure your concerns are addressed expeditiously by us. - [Business Insurance Ontario](https://www.zensurance.com/business-insurance-ontario): Ontario Business Insurance - At Zensurance we simplify the process of getting Business Insurance in Ontario. Get a free quote, it's quick and easy! - [Liability Insurance Ontario](https://www.zensurance.com/liability-insurance-ontario): Ontario Business liability Insurance - At Zensurance we simplify the process of getting Business Insurance. Get a free quote, it's quick and easy! - [Bullfrog Insurance Alternative](https://www.zensurance.com/bullfrog-insurance): Looking for a Bullfrog Insurance alternative? Complete our 5-minute online application to get a free business insurance quote. - [Winnipeg Business Liability Insurance](https://www.zensurance.com/winnipeg-business-liability-insurance): At Zensurance we simplify the process of getting Business Insurance in Winnipeg. Get a free quote, it's quick and easy! - [Victoria Business Liability Insurance](https://www.zensurance.com/victoria-business-liability-insurance): Victoria Business liability Insurance - At Zensurance we simplify the process of getting Business Insurance. Get a free quote, it's quick and easy! - [Vancouver Business Liability Insurance](https://www.zensurance.com/vancouver-business-liability-insurance): Vancouver Business liability Insurance - At Zensurance we simplify the process of getting Business Insurance. Get a free quote, it's quick and easy! - [Toronto Business Liability Insurance](https://www.zensurance.com/toronto-business-liability-insurance): Protect your business with Zensurance. Small business insurance quotes starting at $19 per month. Get a free quote today! - [Small Business Insurance](https://www.zensurance.com/small-business-insurance): Small Business Insurance - At Zensurance we simplify the process of getting small business insurance. Get a free quote, it's quick and easy! - [Saskatoon Business Liability Insurance](https://www.zensurance.com/saskatoon-business-liability-insurance): At Zensurance we simplify the process of getting Business Liability Insurance in Saskatoon. Get a free quote, it's quick & easy! - [Saskatchewan Business Liability Insurance](https://www.zensurance.com/saskatchewan-business-liability-insurance): Zensurance can help your Saskatchewan small business find the most affordable business insurance quotes. Liability insurance starts from $19 per month. - [Regina Business Liability Insurance](https://www.zensurance.com/regina-business-liability-insurance): At Zensurance we simplify the process of getting Business Insurance in Regina. Get a free quote, it's quick and easy! - [Prince Edward Island Business Liability Insurance](https://www.zensurance.com/prince-edward-island-liability-insurance): At Zensurance we simplify the process of getting business insurance in PEI. Get a free quote, it's quick & easy! - [Ottawa Business Liability Insurance](https://www.zensurance.com/ottawa-business-liability-insurance): At Zensurance we simplify the process of getting Business Insurance in Ottawa. Get a free quote, it's quick and easy! - [Ontario Business Liability Insurance](https://www.zensurance.com/ontario-business-liability-insurance): Get low-cost small business insurance quotes in Ontario. Liability insurance policies start from $19 per month. Get a free quote today! - [Nova Scotia Business Liability Insurance](https://www.zensurance.com/nova-scotia-business-liability-insurance): Nova Scotia Business liability Insurance - At Zensurance we simplify the process of getting business insurance. Get a free quote, it's quick and easy! - [Newfoundland Business Liability Insurance](https://www.zensurance.com/newfoundland-business-liability-insurance): At Zensurance we simplify the process of getting Business Insurance in Newfoundland. Get a free quote, it's quick and easy! - [New Brunswick Business Liability Insurance](https://www.zensurance.com/new-brunswick-liability-insurance): New Brunswick Liability Insurance - At Zensurance we simplify the process of getting Business Insurance. Get a free quote, it's quick and easy! - [Hamilton Business Liability Insurance](https://www.zensurance.com/hamilton-business-liability-insurance): At Zensurance we simplify the process of getting Business Insurance in Hamilton. Get a free quote, it's quick and easy! - [Halifax Business Liability Insurance](https://www.zensurance.com/halifax-business-liability-insurance): At Zensurance we simplify the process of getting Business Insurance in Halifax. Get a free quote, it's quick and easy! - [Edmonton Business Liability Insurance](https://www.zensurance.com/edmonton-business-liability-insurance): Get low-cost small business insurance quotes in Edmonton. Liability insurance policies start from $19 per month. Get a free quote today! - [Cape Breton Business Liability Insurance](https://www.zensurance.com/cape-breton-business-liability-insurance): Cape Breton Business liability Insurance - At Zensurance we simplify the process of getting Business Insurance. Get a free quote, it's quick & easy! - [Calgary Business Liability Insurance](https://www.zensurance.com/calgary-business-liability-insurance): Get low-cost small business insurance quotes in Calgary. Liability insurance policies start from $19 per month. Get a free quote today! - [British Columbia Business Liability Insurance](https://www.zensurance.com/british-columbia-business-liability-insurance): Get low-cost small business insurance quotes in BC. Liability insurance policies start from $19 per month. Get a free quote today! - [Brandon Business Liability Insurance](https://www.zensurance.com/brandon-business-liability-insurance): Brandon Business liability Insurance - At Zensurance we simplify the process of getting Business Insurance. Get a free quote, it's quick and easy! - [Alberta Business Liability Insurance](https://www.zensurance.com/alberta-business-liability-insurance): Get low-cost small business insurance quotes in Alberta. Liability insurance policies start from $19 per month. Get a free quote today! - [Claims](https://www.zensurance.com/claims): To submit a claim between 9:00 AM to 6:00 PM EST, please call our Canadian toll free number: 1-888-654-6030 & speak to one of our insurance brokers. - [Manitoba Business Liability Insurance](https://www.zensurance.com/manitoba-business-liability-insurance): Manitoba Business liability Insurance - At Zensurance we simplify the process of getting Business Insurance. Get a free quote, it's quick and easy! - [Frequently Asked Questions About Business Insurance](https://www.zensurance.com/frequently-asked-questions-about-business-insurance): We put together these frequently asked questions about business insurance to help Canadians better undersatnd the insurance world. Learn more! - [Site Map](https://www.zensurance.com/site-map): Site Map - Look for a speciific type of business insurance in your profession / industry - [Zensurance Reviews](https://www.zensurance.com/zensurance-reviews): Canadian entrepreneurs and business owners review and rate Zensurance ★★★★★ Visit to read more reviews. - [Terms of Service](https://www.zensurance.com/terms-of-service): Terms of Service - At Zensurance we simplify the process of getting business insurance. Get a free quote, it's quick and easy! - [Disclosure Statement](https://www.zensurance.com/disclosure-statement-and-principles-of-conduct): At Zensurance, we work hard to find you the best coverage at a competitive price. Zensurance is a brokerage that believes in a simple and transparent process for our clients. - [Privacy Policy](https://www.zensurance.com/privacy-policy): Privacy Policy sets out the manner in which information about you (“Personal Information”) is collected, used, disclosed and otherwise managed in connection with the www.zensurance.com - [Contact Us](https://www.zensurance.com/contact): Our friendly support team is always ready to answer questions, we’re just a click or a phone call away. - [About Zensurance](https://www.zensurance.com/about): At Zensurance we do things a little differently. We work hard at helping business owners save time by allowing them to request a quote online, 24/7. - [Business Liability Insurance](https://www.zensurance.com/): At Zensurance we simplify the process of getting commercial insurance for your business. Get a free online quote! ## Posts - [9 Reasons Why Massage Therapists Need Insurance](https://www.zensurance.com/blog/9-reasons-why-massage-therapists-need-insurance): Massage therapists should protect themselves against claims of negligence, errors, and omissions. Here’s why it matters. - [Does Cyber Insurance Cover AI-Generated Cybercrime?](https://www.zensurance.com/blog/does-cyber-insurance-cover-ai-generated-cybercrime): Artificial intelligence (AI) is creating faster-paced, more effective, larger-scale cyber-attacks. Explore ways businesses can defend themselves and learn how cyber insurance helps recovery if your business is attacked. - [What Type of Insurance Do Eavestrough and Siding Contractors Need?](https://www.zensurance.com/blog/what-type-of-insurance-do-eavestrough-and-siding-contractors-need): All professionals or small businesses have liability risks regardless of their industry or the services they provide. Gutter cleaning professionals are no different. Here’s why gutter cleaning businesses need insurance. - [Zensurance Business Grant Winner 2025: SnuggleTooth Smile Mobile](https://www.zensurance.com/blog/zensurance-business-grant-winner-2025-snuggletooth-smile-mobile): We're excited to introduce the winners of our $10,000 and $1,000 small business grants! Learn from their valuable advice for fellow business owners and entrepreneurs, and discover why they consider insurance a cornerstone of their financial well-being. - [Is Your Small Business Ready for Wildfire Season?](https://www.zensurance.com/blog/is-your-small-business-ready-for-wildfire-season): The Canadian wildfire season now starts earlier, and wildfires have become more frequent and ferocious. Here are some tips to help prevent wildfire damage to your business property. - [8 Types of Insurance Electrician Contractors Need](https://www.zensurance.com/blog/8-types-of-insurance-electrician-contractors-need): Get a straightforward rundown of the types of coverage electricians need and why they matter. - [What Type of Insurance Do Gardeners Need?](https://www.zensurance.com/blog/what-type-of-insurance-do-gardeners-need): Professional gardeners face several liability risks. Here's what gardeners need to know to safeguard their finances and livelihoods. - [What You Need to Know About Student Rental Housing Insurance](https://www.zensurance.com/blog/what-you-need-to-know-about-student-rental-housing-insurance): Landlords must safeguard their student rental housing properties from potential damages and lawsuits. Here's how insurance can help. - [What Type of Insurance Does a Tradesman Need?](https://www.zensurance.com/blog/what-type-of-insurance-does-a-tradesman-need): Business insurance designed for self-employed tradespeople or small construction company owners is called tradesman insurance. Learn why you need it and what it covers. - [What Type of Insurance Do E-Bike Retailers Need?](https://www.zensurance.com/blog/what-type-of-insurance-do-ebike-retailers-need): E-bike retailers are exposed to various risks that could severely impact their businesses. Here’s how insurance can minimize potential financial losses. - [7 Unusual Business Insurance Claims](https://www.zensurance.com/blog/7-unusual-business-insurance-claims): Insurance covers incidents and accidents even when the unexpected really gets weird. Check out these seven unusual claims we’ve covered. - [10 Tips for Preparing Your Business Vehicle for Spring and Avoiding Accidents](https://www.zensurance.com/blog/10-tips-for-preparing-your-business-vehicle-for-spring-and-avoiding-accidents): See our tips for preparing your business vehicle for warmer weather and avoiding collisions. - [Roofing Season: Insurance Coverage Every Roofer Needs](https://www.zensurance.com/blog/roofing-season-insurance-coverage-every-roofer-needs): Now’s the time for roofers to ensure they have adequate liability insurance protection. Here’s what roofers should know. - [Does Commercial Property Insurance Include Protection for Overland Floods?](https://www.zensurance.com/blog/does-commercial-property-insurance-include-protection-for-overland-floods): 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?](https://www.zensurance.com/blog/what-is-a-business-insurance-peril): 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](https://www.zensurance.com/blog/protect-your-green-how-the-right-insurance-saves-landscapers-money): 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](https://www.zensurance.com/blog/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](https://www.zensurance.com/blog/risk-alert-70-of-self-employed-canadians-dont-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?](https://www.zensurance.com/blog/general-liability-vs-professional-liability-insurance-which-one-do-you-need): Both general liability and professional liability insurance are vital coverages for business owners, but they each cover different types of risks. Here's a simple breakdown of each. - [Climate Change Risks: What Business Property Coverage Does Your Small Biz Need?](https://www.zensurance.com/blog/climate-change-risks-what-business-property-coverage-does-your-small-biz-need): 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. - [10 Tips for Renewing Your Commercial Auto Insurance](https://www.zensurance.com/blog/10-tips-for-renewing-your-commercial-auto-insurance): Is your commercial auto policy up for renewal or will it be soon? See our money-saving tips for what to do before renewing a policy to protect your business vehicle. - [Do You Need Landlord Insurance to Rent Out a Room?](https://www.zensurance.com/blog/do-you-need-landlord-insurance-to-rent-out-a-room): When renting out rooms in a boarding house or apartment, having landlord insurance is critical for protecting your investment and financial well-being. Here’s what you need to know. - [What Type of Insurance Do Human Resources (HR) Professionals Need?](https://www.zensurance.com/blog/what-type-of-insurance-do-human-resources-hr-professionals-need): The diverse responsibilities of HR professionals contribute to a company’s growth and success. But they also open the door to potential liability risks. Here’s how HR practitioners can safeguard their careers and finances. - [15 Business Grants and Loans for Women in Canada](https://www.zensurance.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 are available to help them grow their businesses. See our list of grants and loans to pursue. - [Named, Specified, or All-Risk Perils: Which One Is Right for Your Business Insurance?](https://www.zensurance.com/blog/named-specified-or-all-risk-perils-which-one-is-right-for-your-business-insurance): Get a quick overview of what type of insurance policy independent professional accountants and CPAs require to protect their careers and finances from allegations of wrongdoing and damages caused by mistakes and unexpected incidents. - [10 Reasons Why You Need a Builder’s Risk Insurance Policy](https://www.zensurance.com/blog/10-reasons-why-you-need-a-builders-risk-insurance-policy): Also known as course of construction insurance, a builder’s risk policy is a form of property insurance that protects contractors from the beginning to the end of their projects. - [21 Business Insurance Terms to Know](https://www.zensurance.com/blog/21-business-insurance-terms-to-know): A business insurance policy – its coverages, limits, and exclusions – can be difficult to understand. Get a quick and straightforward rundown of the commercial insurance terms you need to understand. - [What Type of Insurance Coverage Do Accountants Need in Canada?](https://www.zensurance.com/blog/what-type-of-insurance-coverage-do-accountants-need-in-canada): Get a quick overview of what type of insurance policy independent professional accountants and CPAs require to protect their careers and finances from allegations of wrongdoing and damages caused by mistakes and unexpected incidents. - [What Is Dropshipping Insurance for Side Hustles?](https://www.zensurance.com/blog/what-is-dropshipping-insurance-for-side-hustles): Dropshipping is hailed as the ‘ultimate side hustle’, attracting many young entrepreneurs and startups. This e-commerce business can be lucrative but is not risk-free or without possible legal consequences. Here’s what to know and how to protect your online business. - [10 Cybersecurity Risks to Small Businesses in 2025](https://www.zensurance.com/blog/10-cybersecurity-risks-to-small-businesses-in-2025): 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](https://www.zensurance.com/blog/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?](https://www.zensurance.com/blog/what-is-a-commercial-insurance-bond): A commercial insurance bond is different from a business insurance policy. Get an overview of the differences and the types of bonds your small business may need. - [Will Changes to Commercial Auto Insurance in Alberta Affect Business Owners?](https://www.zensurance.com/blog/will-changes-to-commercial-auto-insurance-in-alberta-affect-business-owners): Alberta is increasing its annual rate hike cap to 7.5% for auto insurance premiums this year. Here’s what business vehicle owners in Alberta can expect. - [Property Losses Due to Severe Weather Hits $8.5B in 2024](https://www.zensurance.com/blog/property-losses-due-to-severe-weather-hits-eight-and-a-half-billion-in-2024): Insured property losses caused by severe weather events in Canada hit a record high of $8.5 billion last year, almost triple the total insured losses recorded in 2023. Here’s how small businesses can protect their properties. - [Product Liability Insurance: Why Retailers and Online Sellers Can’t Afford to Go Without It](https://www.zensurance.com/blog/product-liability-insurance-why-retailers-and-online-sellers-cant-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](https://www.zensurance.com/blog/malpractice-insurance-for-mental-health-professionals-what-you-need-to-know): Malpractice insurance is a specialized professional liability policy designed for health and wellness professionals. - [10 Questions to Ask Before Renewing Your Small Business Insurance](https://www.zensurance.com/blog/10-questions-to-ask-before-renewing-your-small-business-insurance): Reviewing your insurance coverage at least annually is recommended before renewing a policy. Here are 10 questions to ask. - [Trump Tariffs: How Canadian Small Businesses Can Prepare](https://www.zensurance.com/blog/trump-tariffs-how-canadian-small-businesses-can-prepare): 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](https://www.zensurance.com/blog/how-to-get-a-general-contractors-license-in-ontario): Learn the steps for getting the contractor licensing you need in Ontario. - [8 Tax Filing Tips for Sole Proprietors](https://www.zensurance.com/blog/8-tax-filing-tips-for-sole-proprietors): The deadline for Canadian sole proprietors to file tax returns in 2025 is fast approaching. Find out when your return is due and how sole proprietors can reduce their tax bills. - [Why Small Businesses Should Consider Commercial Crime Insurance](https://www.zensurance.com/blog/why-small-businesses-should-consider-commercial-crime-insurance): An estimated 45% of small businesses in Canada were directly affected by crime and safety-related issues in 2024, and theft was one of the most common issues they faced. - [New Year, New Coverage: Why Small Businesses Should Review Their Insurance Policies](https://www.zensurance.com/blog/new-year-new-coverage-why-small-businesses-should-review-their-insurance-policies): January provides an opportunity to ensure your coverages align with how your business has changed or may change in the coming months. - [Our Top 10 Business Insurance Blog Articles in 2024](https://www.zensurance.com/blog/our-top-10-business-insurance-blog-articles-in-2024): Read the 10 most-read blog articles on the Zensurance Small Business Insights blog in 2024 that captured the attention of Canadian business owners and entrepreneurs as you make plans to grow your business in 2025. - [Insurance for Accountants: What to Do When Renewing Your Policy](https://www.zensurance.com/blog/insurance-for-accountants-what-to-do-when-renewing-your-policy): It’s wise to think about what level of protection your accountancy or you as an independent accountant need. Here are nine things every accountant should consider when their policies are due for renewal. - [Do I Need Errors and Omissions Insurance?](https://www.zensurance.com/blog/do-i-need-errors-and-omissions-insurance): Every retailer selling online or online sellers using third-party marketplaces risks falling prey to fraud and cybercrime. During the busiest shopping season of the year, here are common scams to be wary of and the steps to take to protect your business. - [10 Ideas to Grow Your Small Business in 2025](https://www.zensurance.com/blog/10-ideas-to-grow-your-small-business-in-2025): With an eye on brighter horizons, we offer 10 suggestions for things you can do to try to accelerate your small business’s growth in 2025. - [How to Prevent Phishing Attacks](https://www.zensurance.com/blog/how-to-prevent-phishing-attacks): Phishing attacks are among the most pervasive cyber-attacks against small businesses and independent professionals. Learn more about it and how to prevent your company from falling prey to it. - [Airbnb and VRBO Holiday Rentals: What Hosts Should Know About Insurance](https://www.zensurance.com/blog/airbnb-and-vrbo-holiday-rentals-what-hosts-should-know-about-insurance): Airbnb and VRBO hosts should also consider the risks associated with holiday rentals. Booking holiday stays may involve elevated risks of property damage or liabilities. - [What Is a Certificate of Insurance (COI) for Contractors?](https://www.zensurance.com/blog/what-is-a-certificate-of-insurance-coi-for-contractors): Verifying you are insured with a certificate of insurance (COI) is critical for bidding on projects, obtaining building permits, and landing contracts. Here’s what every construction professional should know. - [10 Business Insurance Claims We Saw in 2024](https://www.zensurance.com/blog/10-business-insurance-claims-we-saw-in-2024): See 10 real-life business insurance claims we resolved in 2024 for our clients. - [The Holiday Season Approaches: What You Need To Know About Liquor Liability Insurance](https://www.zensurance.com/blog/the-holiday-season-approaches-what-you-need-to-know-about-liquor-liability-insurance): Before the revellers arrive, get an insurance checkup and ensure you’re covered for liquor liability risks. - [Zensurance Business Grant Winner 2024: Down East Dance Academy](https://www.zensurance.com/blog/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](https://www.zensurance.com/blog/5-common-winter-business-insurance-claims): Five wintertime claims our clients had to contend with and how their insurance coverage helped them recover. - [How General Contractors Can Price a Job](https://www.zensurance.com/blog/how-general-contractors-can-price-a-job): 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](https://www.zensurance.com/blog/why-november-is-the-perfect-time-for-bookkeepers-to-review-their-insurance): November 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](https://www.zensurance.com/blog/is-your-salon-ready-for-the-holidays-insurance-tips-for-beauticians): Salon owners and independent beauticians need to ensure they're adequately covered with customized insurance. Here's what to know. - [10 Tips for Closing Your Small Business for the Winter](https://www.zensurance.com/blog/10-tips-for-closing-your-small-business-for-the-winter): Are you closing up shop for the winter? Ensuring your property is prepared for winter and your valuable contents and inventory are safely stored is vital. See our tips for how small business owners can shut down operations and keep their assets safe. - [10 Financial Planning Tips for Small Businesses in 2025](https://www.zensurance.com/blog/10-financial-planning-tips-for-small-businesses-in-2025): Financial planning tips to help small businesses grow and thrive in 2025. - [Insurance Considerations for E-Commerce Businesses During the Holidays](https://www.zensurance.com/blog/insurance-considerations-for-ecommerce-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. - [9 Ways to Celebrate Small Business Saturday in Canada](https://www.zensurance.com/blog/9-ways-to-celebrate-small-business-saturday-in-canada): Take advantage of Small Business Saturday to raise brand awareness and attract new customers as the holiday shopping season heats up. See our list of how you can do that cost-effectively. - [Contractors: Are You Insured for Installing Christmas Lights for Your Customers?](https://www.zensurance.com/blog/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?](https://www.zensurance.com/blog/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](https://www.zensurance.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 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](https://www.zensurance.com/blog/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](https://www.zensurance.com/blog/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?](https://www.zensurance.com/blog/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. - [8 Things That Are Scarier Than Halloween](https://www.zensurance.com/blog/8-things-that-are-scarier-than-halloween): Halloween and ghost stories that send shivers down your spine are fun, but many things are far more frightening for small business owners. See our list of things that can spook business owners way more and how the right insurance can put those fears to rest. - [8 Cybersecurity Tools for Small Businesses Using Mobile Devices](https://www.zensurance.com/blog/8-cybersecurity-tools-for-small-businesses-using-mobile-devices): 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](https://www.zensurance.com/blog/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. - [10 Insurance Tips for Women Entrepreneurs](https://www.zensurance.com/blog/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. - [5 Best VPN Providers for Small Businesses](https://www.zensurance.com/blog/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 Online Sellers and Retailers Should Know About Product Liability Insurance](https://www.zensurance.com/blog/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](https://www.zensurance.com/blog/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](https://www.zensurance.com/blog/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. - [How Plumbers Can Get Low-Cost Insurance to Work in High Rises](https://www.zensurance.com/blog/how-plumbers-can-get-low-cost-insurance-to-work-in-high-rises): High-rise plumbers working in individual units are responsible for installing or repairing complex plumbing systems. Get the lowdown on getting the coverage you need, avoiding accidents, and keeping your premium low. - [Celebrating Small Business Month Canada 2024](https://www.zensurance.com/blog/small-business-month): Canada Small Business Month - October 2024. To celebrate, we've gathered a list of business resources, and opportunities to advantage. - [What Small Businesses Need to Know About Cyber Insurance](https://www.zensurance.com/blog/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. - [Understanding Business Interruption Insurance Before Winter Hits](https://www.zensurance.com/blog/understanding-business-interruption-insurance-before-winter-hits): Winter weather can force you to close for a few days (or worse) unexpectedly. That’s why now’s the time to give business interruption insurance thought. Here are your options and how business interruption coverage can protect your income if forced to close temporarily. - [What Type of Insurance Does a Hairstylist Need?](https://www.zensurance.com/blog/what-insurance-does-a-hairstylist-need): Stylists are not immune to making mistakes, accidentally injuring customers, or a salon or barber shop being damaged by fire, water, or a break-in. Here’s how hairstylists can protect their finances, business contents, and careers. - [Business Liability: What You Need to Know Before Hosting Fall Events](https://www.zensurance.com/blog/business-liability-what-you-need-to-know-before-hosting-fall-events): Hosting an event or gathering this fall to increase your sales? Check your liability insurance coverage to ensure it adequately covers your risks. You might need special event insurance to safeguard your finances. Here’s what to know. - [What Type of Insurance Does a Freelance Writer Need?](https://www.zensurance.com/blog/what-type-of-insurance-does-a-freelance-writer-need): Some things are more frightening than a spell of writer’s block or the anxiety of initiating a first draft of any content. Freelance writers, copywriters, and authors face many liability risks that could devastate them financially. Here’s how writers can protect themselves. - [Everything an Amazon Seller Needs to Know About Insurance](https://www.zensurance.com/blog/everything-an-amazon-seller-needs-to-know-about-insurance): New and experienced Amazon sellers in Canada have particular business insurance needs. Amazon requires some sellers to have insurance. Get an overview of the coverages you should have to protect your finances and how they can help when problems arise. - [Preparing Your Business Vehicle for Autumn and Winter](https://www.zensurance.com/blog/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. - [What Type of Insurance Does a SaaS Business Need?](https://www.zensurance.com/blog/what-type-of-insurance-does-a-saas-business-need): Countless companies subscribe to Software-as-a-Service (SaaS) providers to develop, host, and manage the software solutions they need. However, with that opportunity and responsibility come significant liability risks. Here’s what SaaS providers need to know to protect their assets. - [5 Common E&O Insurance Claims](https://www.zensurance.com/blog/5-common-eo-insurance-claims): Anyone can make a mistake. But if you make one that leads to a customer allegation of professional negligence, poor work, or financial losses, you'll wish you had errors and omissions (E&O) insurance. Here are five real E&O claims our clients experienced. - [5 Must-Have Insurance Coverages for Subcontractors](https://www.zensurance.com/blog/5-must-have-insurance-coverages-for-subcontractors): For professionals who earn the bulk of their income as a subcontractor, getting a customized subcontractor insurance policy is not only wise, it’s an investment in your financial health and career. Here are five coverages every subcontractor should have. - [What’s the Difference Between Premises Liability Insurance vs General Liability Insurance?](https://www.zensurance.com/blog/whats-the-difference-between-premises-liability-insurance-vs-general-liability-insurance): Do you need premises liability insurance or general liability coverage? Here’s how to know which one is best for you. - [How to Write a Snow Removal Contract](https://www.zensurance.com/blog/how-to-write-a-snow-removal-contract): Gearing up for the winter and inking customers to your snow removal contracts should be in full swing well before the chilly weather descends. See our tips for things your snow removal contracts may need to include for commercial and residential properties. - [What Is Inland Marine Insurance?](https://www.zensurance.com/blog/what-is-inland-marine-insurance): If your business is shipping high-end, expensive equipment or products over land, you should protect them with inland marine coverage. Get an overview of what it is and find out if your small business needs it. - [40 Side Hustles to Make Money in 2024](https://www.zensurance.com/blog/side-hustle-ideas): In addition to making extra income, a side hustle is a testing ground to try out a new idea before jumping headlong into starting a business. Looking for inspiration? Here are 40 side job ideas to consider. - [8 Things to Do If Your Tools Are Stolen](https://www.zensurance.com/blog/8-things-to-do-if-your-tools-are-stolen): Knowing tools and equipment theft has almost become a national sport, every contractor and construction professional needs to take action to protect themselves and their gear. Here’s what you should do before and after your tools are stolen. - [What Type of Insurance Do Window Cleaners Need?](https://www.zensurance.com/blog/what-type-of-insurance-do-window-cleaners-need): Given the high-demand nature of the industry and the often significant heights at which window cleaners work, the need for a comprehensive insurance policy cannot be overstated. Here’s what you should know. - [8 Ways to Know If You Should Update Your Business Insurance Policy](https://www.zensurance.com/blog/eight-ways-to-know-if-you-should-update-your-business-insurance-policy): Does your existing business insurance adequately cover your risks? Renewing a policy without reflecting on how your small business has changed and updating it accordingly could threaten your finances if you need to file a claim. Here’s how to avoid that scenario. - [How to Become a Landlord in Canada](https://www.zensurance.com/blog/how-to-become-a-landlord-in-canada): If you’re entering the residential property rental market now or thinking of doing so soon, your timing couldn’t be better. But know that becoming a landlord and maintaining a rental property is a lot of work. See our guide for how to set yourself up for success. - [Snow Removal Insurance: What You Need To Know This Winter](https://www.zensurance.com/blog/snow-removal-insurance-what-you-need-to-know-this-winter): See our tips for getting ready for the season ahead and keeping your snow removal insurance premium low. - [Survey: Small Business Owners Fret Over Inflation But Remain Resolutely Upbeat](https://www.zensurance.com/blog/survey-small-business-owners-fret-over-inflation-but-remain-resolutely-upbeat): Zensurance’s third annual Small Business Confidence Index survey finds inflation is Canadian business owners’ most significant concern for a second year in a row. - [10 Things to Do to Start a General Contracting Business](https://www.zensurance.com/blog/10-things-to-do-to-start-a-general-contracting-business): Thinking of being your own boss and calling the shots? Canada needs more entrepreneurs, but be aware starting a business has its challenges. Here's how to prepare to launch and run a successful contracting business. - [5 Tips for Protecting Your Business Property From Mould](https://www.zensurance.com/blog/5-tips-for-protecting-your-business-property-from-mould): Mould can threaten your business property and human health at any time of the year. Prevention is the best cure to safeguard your premises from it. Here are five ways to do that. - [How a Distracted Driving Conviction Affects Commercial Auto Insurance](https://www.zensurance.com/blog/how-a-distracted-driving-conviction-affects-commercial-auto-insurance): Get an overview of distracted driving, how to avoid it, the penalties, and how it affects your insurance coverage if you’re convicted of the charge. - [5 Common Consultant Insurance Claims](https://www.zensurance.com/blog/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](https://www.zensurance.com/blog/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. - [What Is First-Party Fraud and How Can You Protect Your Business From It?](https://www.zensurance.com/blog/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. - [10 Reasons Why You Should Choose a Small Business Insurance Broker](https://www.zensurance.com/blog/10-reasons-why-you-should-choose-a-small-business-insurance-broker): Getting the right insurance to support your small business is vital for safeguarding your finances, but it’s tough to do alone. Partnering with a licensed insurance broker makes a significant difference. Here’s why. - [What Type of Insurance Does a Mixed-Use Commercial Property Need?](https://www.zensurance.com/blog/what-type-of-insurance-does-a-mixed-use-commercial-property-need): Mixed-use buildings featuring commercial enterprises and residential tenants contain unique risks. Here’s what property owners of multi-use properties need to know. - [Summer Rush: Preparing Your Business for Increased Foot Traffic](https://www.zensurance.com/blog/summer-rush-preparing-your-business-for-increased-foot-traffic-2): Summer’s here, and the time is right to ensure your small business is ready for an influx of customers. See our tips for preventing accidents and third-party injuries on your property and how insurance can help if you face a claim against you. - [5 Ways Professional Cleaners Can Avoid Liability Claims](https://www.zensurance.com/blog/5-ways-professional-cleaners-can-avoid-liability-claims): Protecting your finances and reputation with a customized professional cleaner insurance policy is essential whether your cleaning business serves residential, commercial clients, or both. Here’s why. - [Do Personal Trainers Need to Have Insurance?](https://www.zensurance.com/blog/do-personal-trainers-need-to-have-insurance): Fitness trainers and instructors working with individuals to help improve their physical health and achieve their fitness goals raise the possibility of injuries to clients and other liability risks. Here’s what every personal trainer should know. - [5 Types of Insurance to Consider for Your Mobile Business](https://www.zensurance.com/blog/5-types-of-insurance-to-consider-for-your-mobile-business): Travelling to and from customer locations and job sites poses unique liability risks for business owners and independent professionals. Find out how mobile business insurance can address those risks. - [How to Protect Your Point-Of-Sale (POS) System From Fraud](https://www.zensurance.com/blog/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. - [8 Ways to Protect Your Home-Based Business](https://www.zensurance.com/blog/8-ways-to-protect-your-home-based-business): Thousands of Canadian entrepreneurs do what they do from their residential dwellings. However, even home-based business owners need to consider damage and liability risks. See our tips for minimizing these threats. - [What Is Course of Construction (COC) Insurance?](https://www.zensurance.com/blog/what-is-course-of-construction-coc-insurance): It’s not uncommon for contractors to wonder if they need course of construction (COC), builders’ risk, or contractors’ all-risk insurance. Get a clear explanation and quick overview of what this vital protection provides builders, renovators, and property owners. - [Does Your Business Need Automotive Garage Insurance?](https://www.zensurance.com/blog/does-your-business-need-automotive-garage-insurance): When a customer visits your automotive shop and entrusts their car, SUV, or truck to you for service or repair, they expect you to treat their vehicle carefully. But that doesn’t mean accidents or mistakes won’t happen. Here’s how insurance can help when things go wrong. - [How to Protect Your Business or Profession From Negligence Claims](https://www.zensurance.com/blog/how-to-protect-your-business-or-profession-from-negligence-claims): No business owner or independent professional wants to be accused of professional negligence, but it happens. See our tips for avoiding this situation and how insurance can help if you receive a negligence claim or are subject to a lawsuit. - [What Type of Insurance Do Moving Companies Need?](https://www.zensurance.com/blog/what-type-of-insurance-do-moving-companies-need): The summer season, with its increased demand for professional moving companies, is the perfect time for movers to secure the insurance they need. The time is now. Here’s why. - [What Is Vicarious Liability?](https://www.zensurance.com/blog/what-is-vicarious-liability): Vicarious liability for employers is when a business owner is held financially liable for the damages caused by the actions or inactions of anyone representing their company. Here’s how you can protect yourself. - [5 Reasons Why Summer Is the Perfect Time to Review Your Business Insurance](https://www.zensurance.com/blog/5-reasons-why-summer-is-the-perfect-time-to-review-your-business-insurance): The midpoint of the year is ideal to review your insurance coverage and consider if it’s adequate to cover how your business has changed or will change in the months ahead. Here are five reasons to review your policy (and how Zensurance can help). - [7 Tips for Converting Your House Into a Rental Property](https://www.zensurance.com/blog/7-tips-for-converting-your-house-into-a-rental-property): As a property owner mulling over whether or not to jump into the rental property market, careful planning and understanding the associated responsibilities and liabilities is critical. See our tips on what you need to do before getting into the rental game - [What Type of Business Insurance Does a Grocery Store Need?](https://www.zensurance.com/blog/what-type-of-business-insurance-does-a-grocery-store-need): Grocery stores face a wide range of risks daily, such as high customer volumes, food safety concerns, and theft and shoplifting threats. Find out what insurance coverage your store needs to safeguard its assets and reputation. - [What You Need to Know About Landlord Insurance for a Rooming House](https://www.zensurance.com/blog/what-you-need-to-know-about-landlord-insurance-for-a-rooming-house): For landlords, rooming houses pose unique challenges and risks compared to traditional single-family rentals or apartment complexes. Discover how landlords can lower their insurance bills and adequately protect their properties. - [Here’s How to Protect Your Mobile Auto Detailing Business](https://www.zensurance.com/blog/heres-how-to-protect-your-mobile-auto-detailing-business): Vehicle owners who want more than what an automatic car wash can provide turn to auto detailers to make their wheels dazzle. But competition among detailers is steep, and damage claims are always a threat. A customized insurance policy can protect your finances and help differentiate your business. - [5 Common Accountant Insurance Claims](https://www.zensurance.com/blog/5-common-accountant-insurance-claims): Despite your best efforts, bad things happen without warning that can threaten your livelihood and prove financially devastating, even to professionals balancing the books. Here are five accountant and bookkeeper insurance claims that we helped resolve. - [What Is Pollution Liability Insurance?](https://www.zensurance.com/blog/what-is-pollution-liability-insurance): Any business that uses environmentally unsafe chemicals or deals with hazardous waste runs the risk of a third-party pollution liability lawsuit. Get an understanding of what the risks are and how to protect your company. - [Commercial Auto Insurance vs Personal Auto Insurance: What’s the Difference?](https://www.zensurance.com/blog/commercial-auto-insurance-vs-personal-auto-insurance-whats-the-difference): Get an overview of the differences between commercial auto insurance and personal auto insurance policies and what options you have to increase your coverage. - [What Type of Insurance Do Student Counsellors Need?](https://www.zensurance.com/blog/what-type-of-insurance-do-student-counsellors-need): Student counsellors, as the architects of secondary and post-secondary students' lives and academic journeys, face many challenges. However, this multifaceted career exposes counsellors to various risks. Learn how insurance can safeguard your career and finances. - [Does My Nightclub Need Restaurant Insurance?](https://www.zensurance.com/blog/does-my-nightclub-need-restaurant-insurance): Nightclubs are bustling, high-energy environments catering to different tastes to create unique experiences. But there’s more to worry about than theme nights and drink specials. Get the lowdown on how insurance can protect your assets. - [How Much Does Landlord Insurance Cost?](https://www.zensurance.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 needs and budget. Here’s what every landlord needs to know. - [7 Small Business Water Damage Insurance Claims](https://www.zensurance.com/blog/7-small-business-water-damage-insurance-claims): While there are preventative measures you can take to protect your business from water damage, paying for damages beyond your control requires commercial property insurance. Here are seven real-life water damage insurance claims - [What Type of Insurance Does a Balloon Business Need?](https://www.zensurance.com/blog/what-type-of-insurance-does-a-balloon-business-need): Balloon decorators can be financially responsible for damages or injuries to people or property because of their creations and operations. Here's how to protect your finances and keep your business aloft. - [10 Common Mistakes to Avoid When Buying Business Insurance](https://www.zensurance.com/blog/10-common-mistakes-to-avoid-when-buying-business-insurance): Protecting your financial well-being and professional reputation with business insurance requires understanding your liability risks and legal and industry requirements. Here are common mistakes to avoid when buying insurance. - [What a Hot Torch Roofing Insurance Policy Should Include](https://www.zensurance.com/blog/what-a-hot-torch-roofing-insurance-policy-should-include): Hot torch roofing offers a strong, weather-resistant option when installed by experienced professionals. However, it’s inherently dangerous work. Here’s how torch-down roofing professionals can protect their finances against liability risks. - [Does Your Business Vehicle Need Collision and Comprehensive Insurance?](https://www.zensurance.com/blog/does-your-business-vehicle-need-collision-and-comprehensive-insurance): Enhancing your business vehicle’s commercial auto insurance protection requires considering adding optional collision and comprehensive coverages to it. Here’s what you should know to make an informed decision - [What Type of Insurance Does a House Cleaner Need?](https://www.zensurance.com/blog/what-type-of-insurance-does-a-house-cleaner-need): House cleaners provide an essential service to countless Canadian households. While it doesn’t seem like a high-risk profession, all professions have liability risks. Here’s how professional house cleaners can safeguard their assets. - [10 General Liability Small Business Insurance Claims](https://www.zensurance.com/blog/10-general-liability-small-business-insurance-claims): Having general liability insurance as a key plank for your business's risk mitigation strategy is wise. Here are 10 real-life claims highlighting the importance of general liability insurance for any business. - [14 Safety Tips for Commercial Roofers](https://www.zensurance.com/blog/14-safety-tips-for-commercial-roofers): Roofing companies are obligated to ensure the risk of accidents or injuries to workers and third parties is minimized to the greatest extent possible. See our safety tips for roofers to prevent injuries and property damage. - [Emergency Preparedness Week: 10 Tips for Small Businesses](https://www.zensurance.com/blog/10-small-business-emergency-preparedness-tips): Emergency Preparedness Week 2024 runs from May 5 to 11. Download our free emergency supply kit checklist and see our 10 emergency preparedness tips for small businesses. - [10 Tips to Get Your Vacation Rental Property Ready for the Summer](https://www.zensurance.com/blog/10-tips-to-get-your-vacation-rental-property-ready-for-the-summer): Vacation rental property owners across Canada are eager to attract vacationers to their properties. Before summer gets underway, see our tips for sprucing up your property and ensuring you’ve got the right insurance to cover unexpected damages that may crop up. - [Tornado Season 2024: What Small Businesses Need to Know](https://www.zensurance.com/blog/tornado-season-2024-what-small-businesses-need-to-know): It's estimated that 86 tornadoes touched down in Canada in 2023. See our tips for how business property owners can prepare and minimize damage to their properties from a tornado and other severe windstorms. - [Is Your Landscaping and Lawn Care Business Protected?](https://www.zensurance.com/blog/is-your-landscaping-and-lawn-care-business-protected): Landscaping and lawn care businesses are gearing up for a busy season managing the health of their customers’ properties. See our tips for ensuring this season is a safe and problem-free one. - [Top 5 Risks Cannabis Small Businesses Face](https://www.zensurance.com/blog/top-5-risks-cannabis-small-businesses-face): Small business owners in the Canadian cannabis industry know they must overcome several hurdles to determine where and how to budget for success. A cannabis insurance policy can help shield you from potential threats to your business. - [What Is Completed Operations Insurance for Contractors?](https://www.zensurance.com/blog/what-is-completed-operations-insurance-for-contractors): After completing a building or renovation project, what should a contractor or renovation expert do if a customer files a pricey third-party damage claim or lawsuit against them? Here’s how to protect your finances if it happens to you. - [What Type of Insurance Does a Vape Store Need?](https://www.zensurance.com/blog/what-type-of-insurance-does-a-vape-store-need): Owning and running a vape shop has pros and cons, including adequately protecting your business and finances from the liability risks you face. Here’s what you need to know. - [What Type of Insurance Does a Career Coach Need?](https://www.zensurance.com/blog/what-type-of-insurance-does-a-career-coach-need): Career coaches help a variety of professionals gain a competitive edge for the next chapter in their careers while developing a personal brand that differentiates them. But liability risks can create financial havoc for career coaches. Here’s what every career coach should know. - [5 Ways to Use AI to Grow Your Small Business](https://www.zensurance.com/blog/5-ways-to-use-ai-to-grow-your-small-business): Artificial intelligence (AI) has ushered in a new era of technology. Although there are liability risks to be aware of if your small business uses AI tools, there are also opportunities. Here are five ways you can leverage AI in your business. - [What Type of Insurance Does Your Pool Cleaning Business Need?](https://www.zensurance.com/blog/what-type-of-insurance-does-your-pool-cleaning-business-need): As the warm weather returns, Canadian swimming pool owners will open their watering holes to escape the heat. They trust and rely on professional pool cleaners for their expertise, but is your pool cleaning business ready for the season ahead? Here’s what you should know. - [Survey: A Shocking Majority of Canadians Would Sue a Small Business](https://www.zensurance.com/blog/a-shocking-majority-of-canadians-would-sue-a-small-business): A new survey of Canadian consumers finds the legal risks confronting small business owners are on the rise, potentially threatening self-employed professionals' and business owners’ financial well-being. Here’s how you can protect your business. - [4 Common Handyman Insurance Claims](https://www.zensurance.com/blog/4-common-handyman-insurance-claims): No skilled tradesperson is immune from accidents, making mistakes, or experiencing unexpected damage or loss. Here are four claims handypersons typically face and how insurance helps protect their finances. - [Liquor Liability Insurance vs Host Liquor Liability Insurance: What’s the Difference?](https://www.zensurance.com/blog/liquor-liability-insurance-vs-host-liquor-liability-insurance-whats-the-difference): Understanding the distinct differences between liquor liability insurance and host liquor liability insurance is crucial for business owners and hosts alike. Let's explore the unique coverage offered by each, shining light on the importance of securing the right protection for your specific needs. - [10 Ways to Prevent Shoplifting in Your Retail Store](https://www.zensurance.com/blog/10-ways-to-prevent-shoplifting-in-your-retail-store): An estimated 57% of Canadian small businesses dealt with theft or shoplifting in 2023. See our tips on how to spot possible shoplifters and the things you can do to prevent shoplifting and theft of your merchandise. - [What Type of Insurance Does a Doula Need?](https://www.zensurance.com/blog/what-type-of-insurance-does-a-doula-need): Doulas do not perform clinical tasks, diagnose medical conditions, or give medical advice, but they do support women throughout their pregnancies. However, with that responsibility come liability risks that should be covered by insurance. Here's what every doula needs to know. - [Want Help Growing Your Small Business? Consider Finding a Mentor](https://www.zensurance.com/blog/want-help-growing-your-small-business-consider-finding-mentor): Seeking a mentor to guide your journey can profoundly impact your professional growth and success. Here’s how to find a mentor to help your business grow. - [What Is Catering Liability Insurance?](https://www.zensurance.com/blog/what-is-catering-liability-insurance): You need to protect your catering business from financial losses, legal risks, and liabilities arising from your operations. Learn about the liability risks caterers face, how insurance can help, and see our recommended food safety and handling tips - [What Insurance Do Franchisees Need?](https://www.zensurance.com/blog/what-insurance-do-franchisees-need): Being a franchisee offers new and aspiring business owners access to an established brand with built-in recognition and trust. But a franchise isn’t immune to costly unforeseen incidents, and even well-oiled machines can develop a squeaky wheel. Here’s what franchisees should know about protecting their assets. - [5 Tips for Increasing Your Small Business’s Profit in a Slow Economy](https://www.zensurance.com/blog/5-tips-for-increasing-your-small-business-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. - [What Type of Insurance Does a Herbalist Need?](https://www.zensurance.com/blog/what-type-of-insurance-does-a-herbalist-need): Sometimes referred to as holistic health practitioners or herbal practitioners, herbalists offer a holistic approach to health and wellness to address their patients’ health issues or goals. However, herbalists face several liability risks. Here's how you can protect your practice. - [What Is Installation Floater Insurance?](https://www.zensurance.com/blog/what-is-installation-floater-insurance): Before tackling your next renovation or new build project, take the time to ensure the materials you buy on behalf of a client for that project are covered if something happens to them before you install them. - [10 Flood Prevention Tips for Small Businesses in Canada](https://www.zensurance.com/blog/10-flood-prevention-tips-for-small-businesses-in-canada): Protect your business from spring floods! Learn 10 flood prevention tips & discover resources to prepare your property for flood season in Canada. - [5 Types of Insurance Every Pest Control Business Should Have](https://www.zensurance.com/blog/5-types-of-insurance-every-pest-control-business-should-have): Pest control professionals’ customers rely on them to rid their properties of pesky insects and rodents. However, accidents and mistakes happen in any line of work, and the risks are amplified when using pesticides, poisons, and chemicals. Here’s what you should know. - [What Is Employers’ Liability Insurance?](https://www.zensurance.com/blog/what-is-employers-liability-insurance): Employers’ liability insurance is a form of general liability insurance protecting business owners from legal expenses resulting from employee-related illnesses, injuries, or deaths that occur in the workplace. Here’s why your company needs it. - [What Type of Insurance Does an Immigration Consultant Need?](https://www.zensurance.com/blog/what-type-of-insurance-does-an-immigration-consultant-need): Learn what risks immigration consultants face and the types of insurance that can protect your finances and reputation following an insurable loss or legal threat. - [What Liability Insurance Covers Float Tanks?](https://www.zensurance.com/blog/what-liability-insurance-covers-float-tanks): Small businesses and health and wellness practices offering their clients float therapy face many liability risks. Here’s how you can protect your business’s finances and reputation. - [Why Do Vending Machine Operators Need Business Insurance?](https://www.zensurance.com/blog/why-do-vending-machine-operators-need-business-insurance): Vending machine operators face many liability risks. Get an overview of the most common liability risks and what type of insurance can protect your business. - [Why Every Small Business Needs a Continuity Plan](https://www.zensurance.com/blog/why-every-small-business-needs-a-continuity-plan): A business continuity plan can help your company endure and survive an unexpected crisis or event that can force your business to close. Get an overview of why you need one and how to create a plan that works for your organization. - [6 Ways to Promote and Grow Your Cleaning Business](https://www.zensurance.com/blog/6-ways-to-promote-and-grow-your-cleaning-business): The professional cleaning industry is highly competitive. That means you’ll need to get creative in promoting your business to attract new customers. See our tips for upping your cleaning business marketing know-how. - [Commercial Property Insurance: Actual Cash Value or Replacement Value Coverage?](https://www.zensurance.com/blog/commercial-property-insurance-actual-cash-value-or-replacement-value-coverage): Significant differences exist between business property policies based on actual cash value or replacement value coverages. Learn what they are and how to decide which policy type suits your small business best. - [What Type of Insurance Does an Interpreter Need?](https://www.zensurance.com/blog/what-type-of-insurance-does-an-interpreter-need): Every act of communication is a miracle of translation, but for interpreters and translators, making mistakes or misinterpreting a communication can have disastrous consequences. Get the straight talk on how interpreters can protect their finances and careers. - [What Type of Insurance Does Your Home Staging Business Need?](https://www.zensurance.com/blog/what-type-of-insurance-does-your-home-staging-business-need): Data says national housing sales will rise in 2024 and 2025. That’s great news for home stagers as their services will be in high demand. But is your home staging business protected from potential liability risks? Here’s why insurance is a must-have. - [What Is Co-Insurance and How Does It Affect Business Property Insurance?](https://www.zensurance.com/blog/what-is-co-insurance-and-how-does-it-affect-business-property-insurance): Business owners often overlook insurance coverage for renovations. Learn how co-insurance agreements can safeguard your property, avoiding costly mistakes. - [Renovating Your Business? Here’s Why You Need to Cover Renovations](https://www.zensurance.com/blog/renovating-your-business-heres-why-you-need-to-cover-renovations): A common mistake many business owners make is overlooking the need to insure renovations. Here’s how insurance can help cover your building’s makeover. - [11 Reasons Why a Business Insurance Claim Could Be Denied](https://www.zensurance.com/blog/11-reasons-why-a-business-insurance-claim-could-be-denied): Sometimes, an insurance company may deny a claim. Here are 11 common reasons why that can happen and what to do if it happens to your small business. - [10 Business Insurance Claims We Saw in 2023](https://www.zensurance.com/blog/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?](https://www.zensurance.com/blog/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. - [What Is Commercial Crime Insurance?](https://www.zensurance.com/blog/what-is-commercial-crime-insurance): Commercial crime insurance is designed to cover a business owner’s financial losses resulting from business-related crime, including internal theft by employees, forgery, robbery, and electronic crime - [Do You Need Business Insurance for Your Side Hustle?](https://www.zensurance.com/blog/do-you-need-insurance-for-your-side-hustle): Surviving in a tight economy or increasing your income requires more than launching a side hustle. It also requires protecting your finances. Here's how you can do that. - [How and When to Switch Insurance Companies in 3 Easy Steps](https://www.zensurance.com/blog/how-and-when-to-switch-insurance-companies-in-3-easy-steps): Exploring your options for switching insurance providers to get better coverage and possibly save money on your annual premium is worthwhile. Here's how you can do that. - [What Does Optional DCPD Commercial Auto Insurance Mean for Ontario Businesses?](https://www.zensurance.com/blog/what-does-optional-dcpd-commercial-auto-insurance-mean-for-ontario-businesses): Ontario’s insurance regulator has reduced the number of mandatory coverages required in a commercial auto insurance policy by making Direct Compensation-Property Damage (DCPD) optional. Here’s what it means if you opt out of DCPD coverage for your business vehicles. - [10 Trends to Grow Your Small Business in 2024](https://www.zensurance.com/blog/10-trends-to-grow-your-small-business-in-2024): A new year is upon us! See the 10 small business trends for 2024 that are poised to dominate the business landscape and can help your company adapt, increase sales, and grow. - [How to Avoid Scams When Selling Online](https://www.zensurance.com/blog/how-to-avoid-scams-when-selling-online): Every retailer selling online or online sellers using third-party marketplaces risks falling prey to fraud and cybercrime. Here are common scams to be wary of and the steps to take to protect your business. - [What Is Care, Custody, and Control in Insurance?](https://www.zensurance.com/blog/what-is-care-custody-and-control-in-insurance): A care, custody, and control exclusion is noteworthy because it outlines what is not covered by your policy and applies to many types of insurance. Here’s what you should know. - [How Can Locksmiths Mitigate Their Liability Risks?](https://www.zensurance.com/blog/how-can-locksmiths-mitigate-their-liability-risks): Locksmiths maintain the security of homes, businesses, and vehicles. However, they face inherent risks that can jeopardize their financial stability and reputation. Here’s how locksmiths can protect their assets. - [How to Prevent Slip and Fall Accidents at Your Business This Winter](https://www.zensurance.com/blog/how-to-prevent-slip-and-fall-accidents-at-your-business-this-winter): Wiping out and getting injured because of snow and ice is one of the most common injuries in Canada. Here’s how you can prevent your customers and employees from taking a tumble on your property. - [Why Errors and Omissions (E&O) Insurance Is Vital for Consultants](https://www.zensurance.com/blog/why-errors-and-omissions-eo-insurance-is-vital-for-consultants): E&O insurance safeguards consultants and other professionals who advise and consult with their clients. Here’s how it can protect your finances and reputation. - [What Is a Business Insurance Grace Period?](https://www.zensurance.com/blog/what-is-a-business-insurance-grace-period): A grace period is when a policyholder must make a premium payment that’s past due before their policy lapses or is cancelled by an insurance provider. Learn how grace periods work and what to do if you’re late making a payment. - [You Own Development Land and Plan to Build – Get Insurance First](https://www.zensurance.com/blog/you-own-development-land-and-plan-to-build-get-insurance-first): It’s a common misconception you can save money by postponing purchasing business insurance before initiating construction on undeveloped land. Here’s why land developers and construction firms need it before breaking ground. - [Zensurance Business Grant Winner 2023: Malartic Design + Builds](https://www.zensurance.com/blog/zensurance-business-grant-winner-2023-malartic-design-builds): Hugo Latreille, owner of Ottawa-based Malartic Design + Builds, is crowned the $10,000 Zensurance Small Business Grant 2023 winner. Read our Q&A interview with Latreille to learn more about his company and his advice for other Canadian small business owners and entrepreneurs. - [How Contractors Can Use Insurance to Manage Legal Disputes](https://www.zensurance.com/blog/how-contractors-can-use-insurance-to-manage-legal-disputes): If a contractor is embroiled in a disagreement or dispute with a customer or partner, it can be a stressful and time-consuming matter that could result in a costly lawsuit. Here’s how insurance can help you avoid or manage that scenario. - [13 Reasons Why You Should Insure Your Home-Based Business](https://www.zensurance.com/blog/13-reasons-why-you-should-insure-your-home-based-business): There's a lot to like about running a home-based business, but you also must consider the liability risks every small business has. Here are reasons you need business insurance and tips for mitigating those risks. - [What You Need to Know About Liquor Liability for Your Party or Event](https://www.zensurance.com/blog/what-you-need-to-know-about-liquor-liability-for-your-party-or-event): Whether hosting a company or private event to celebrate the holidays and New Year or throwing a party at any time of the year, you face liability risks (even if no alcohol will be served). Here’s what you need to do to protect yourself. - [What Type of Insurance Do Christmas Tree Farms Need?](https://www.zensurance.com/blog/what-type-of-insurance-do-christmas-tree-farms-need): At the risk of sounding like Scrooge, Christmas tree producers have to contend with more than inflation and the impacts of climate change on their farms. They also face significant liability threats that could quickly upend their businesses. Here’s how insurance can help. - [What Insurance Does a Beauty Salon Need?](https://www.zensurance.com/blog/what-insurance-does-a-beauty-salon-need): Beauty salon owners can suffer more than a bad hair day. That’s why liability insurance for salon owners and beauticians is crucial: it mitigates the financial risks they face when things go wrong. Here’s why your beauty salon needs insurance. - [Do You Need D&O Insurance or E&O Insurance?](https://www.zensurance.com/blog/do-you-need-do-insurance-or-eo-insurance): Find out what type of liability coverage your small business needs to protect yourself against the financial impacts of decisions or judgments and settlements from lawsuits or claims related to your services. - [Can a Youth-Owned Business Be Insured?](https://www.zensurance.com/blog/can-a-youth-owned-business-be-insured): Entrepreneurs are often ahead of their time as they fearlessly push the limits. Sometimes, they may be so far ahead of their peers that they aspire to launch a business before they’re 18 years old. Here’s how a youth can get liability insurance for a startup. - [What Is a Deductible for Small Business Insurance?](https://www.zensurance.com/blog/what-is-a-deductible-for-small-business-insurance): A deductible is your share of the cost for damage or loss when you make a claim with your insurance provider. They can also help keep your annual premium low. Learn more about deductibles and why they matter. - [Protect Your Pipes: Why Plumbers Can’t Afford to Ignore Liability Insurance](https://www.zensurance.com/blog/protect-your-pipes-why-plumbers-cant-afford-to-ignore-liability-insurance): Plumbing is a demanding and complex profession, and even the most meticulous and skilled plumbers can make mistakes. Here are six reasons why every plumbing contractor should have liability insurance. - [How Landlords Can Check for and Avoid Frozen Water Pipes](https://www.zensurance.com/blog/how-landlords-can-check-for-and-avoid-frozen-water-pipes): 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. - [Is Your Seasonal Business Insured? 3 Things to Know](https://www.zensurance.com/blog/is-your-seasonal-business-insured-3-things-to-know): If your business is stocking up on inventory for the holidays, operating for only a few months of the year, or opening a pop-up shop, here’s how to cover the liability risks you face. - [Does My Airbnb Need Extra Insurance?](https://www.zensurance.com/blog/does-my-airbnb-need-extra-insurance): In Canada, hosts earn an average of $10,300 annually through Airbnb. But weighing the pros and cons of listing your property on any home-sharing platform is critical, especially the property damage and liability risks you face. Here’s what you should know. - [What Is Cyber Insurance?](https://www.zensurance.com/blog/what-is-cyber-insurance): Is your small business prepared in the event of a cyber attack? Learn what is cyber insurance and how it can protect your business from online threats. - [10 Benefits of Liability Insurance for Construction Professionals](https://www.zensurance.com/blog/10-benefits-of-liability-insurance-for-construction-professionals): Liability insurance is a fundamental aspect of responsible and professional construction business operations. Here are 10 benefits your construction or contractor business can realize by being adequately insured. - [Mind, Body, and Liability: Why Liability Insurance Is Essential for Health and Wellness Pros](https://www.zensurance.com/blog/mind-body-and-liability-why-liability-insurance-is-essential-for-health-and-wellness-pros): Both health and wellness professionals and allied health professionals are experts in their respective fields who strive to help patients improve their overall health. However, they face the risk of potential claims or lawsuits. Here’s how liability insurance can protect them. - [Why Liability Insurance Is a Must-Have for Retail Store Owners in Canada](https://www.zensurance.com/blog/why-liability-insurance-is-a-must-have-for-retail-store-owners-in-canada): There are pros and cons to owning a retail store and significant liability risks. Explore why you need retail insurance and how it helps protect your assets and reputation. - [10 Cybersecurity Tips for Small Businesses](https://www.zensurance.com/blog/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?](https://www.zensurance.com/blog/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. - [How to Get a Small Business Grant in Canada](https://www.zensurance.com/blog/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. - [No More Passwords: How Passkeys Can Help Make Your Small Business Secure](https://www.zensurance.com/blog/no-more-passwords-how-passkeys-can-help-make-your-small-business-more-secure): Data shows the passwords we use today are among the weakest links in cybersecurity defence. Passkeys are poised to replace passwords. Get details on what they are and how they can help make your small business more secure. - [Do I Need Business Insurance to Run My Company?](https://www.zensurance.com/blog/do-i-need-business-insurance-to-run-my-company): Some professions or businesses legally require a specific amount of insurance. Others do not, but it's highly recommended to have coverage to protect yourself from financial losses. Here's what you should know. - [How to Start a Dog Walking Business](https://www.zensurance.com/blog/how-to-start-a-dog-walking-business): Can you make a living running a dog walking business? It comes down to how you plan to launch and manage your company. Get an overview of the licences, insurance, and financial solutions you may need. - [What Is an Additional Insured?](https://www.zensurance.com/blog/what-is-an-additional-insured): You may be required to add another person or party to your business insurance policy called an additional insured. Get an overview of what that is and what your options are for doing so. - [How Small Businesses Can Solve Cash Flow Problems](https://www.zensurance.com/blog/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. - [How to Build an Effective E-Commerce Marketing Strategy](https://www.zensurance.com/blog/how-to-build-an-effective-ecommerce-marketing-strategy): From growing and tracking your customer base and increasing reach and revenue to keeping your operating costs low, e-commerce holds multiple benefits and advantages for any new or existing venture. Read our guide on launching your e-commerce business. - [Do Subcontractors Need Insurance?](https://www.zensurance.com/blog/do-subcontractors-need-insurance): Liability insurance is vital for risk management on construction and renovation projects. Here’s why every subcontractor hired for any project should carry their own coverage. - [A Guide to Directors and Officers (D&O) Insurance](https://www.zensurance.com/blog/a-guide-to-directors-and-officers-do-insurance): Whereas management liability or D&O insurance is an essential insurance for not-for- profit organizations and is common for large companies, it’s also necessary for for-profit small to midsized businesses with owners, directors, officers, or a board of directors. Read our guide to learn more. - [What Is a Business Owner’s Policy (BOP)?](https://www.zensurance.com/blog/what-is-a-business-owners-policy-bop): If you’re seeking an efficient and affordable way to protect your small business, an all-in-one business owner’s policy may be an economical solution. Find out what it covers and why you need it. - [What Is Contractors All-Risk Insurance?](https://www.zensurance.com/blog/what-is-contractors-all-risk-insurance): The nature of the construction work is loaded with visible and unforeseen risks. Does your next large build project require a contractors all-risk insurance policy instead of standard contractors liability coverage? Drill down to find out. - [How Much Does Snowplow Insurance in Canada Cost?](https://www.zensurance.com/blog/how-much-does-snowplow-insurance-in-canada-cost): This year, much of Canada is in for a bitterly cold winter and icy conditions. Now’s the time for snow removal contractors to get the liability coverage they need for the coming winter. Get an overview of how snow removal insurance is calculated and tips for preventing slip-and-fall accidents. - [Should I Pay My Small Business Insurance Premium Monthly or Annually?](https://www.zensurance.com/blog/should-i-pay-my-small-business-insurance-premium-monthly-or-annually): Explore the advantages of monthly vs. annual insurance premium payments. Find out how monthly installments simplify budgeting but may entail administration fees, while annual payments provide peace of mind and financial benefits. - [What Insurance Do Golf Simulator Businesses Need?](https://www.zensurance.com/blog/what-insurance-do-golf-simulator-businesses-need): Just like any entertainment or recreational facility, golf simulator businesses face various liability risks that can lead to financial losses or lawsuits. This article explores how you can protect and grow your business in the face of these challenges. - [How to Become a Chartered Professional Accountant (CPA) in Canada](https://www.zensurance.com/blog/how-to-become-a-chartered-professional-accountant-cpa-in-canada): Becoming a CPA in Canada takes time and effort and prepares you for a rewarding career with unlimited potential. Read our guide on the steps you need to take to earn a CPA designation. - [A Landlord’s Guide for Renting to Students](https://www.zensurance.com/blog/a-landlords-guide-for-renting-to-students): From strategies to insights, our landlord's guide for renting to students can help you learn how to become a successful rental property owner. - [What Insurance Do Music Teachers Need?](https://www.zensurance.com/blog/what-insurance-do-music-teachers-need): Like school teachers, private tutors, or professionals in other industries, music teachers and instructors also face liability risks for their services. Here's how insurance can keep your career safe without missing a beat. - [Insurance Broker vs. Insurance Company: What’s the Difference?](https://www.zensurance.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: a broker can help you save money on your annual premium. - [Back to School: 5 Reasons Why Tutors and Teachers Need Insurance](https://www.zensurance.com/blog/back-to-school-5-reasons-why-tutors-and-teachers-need-insurance): As teachers, private tutors, and education professionals prepare for a new school year, now’s the time to brush up on your knowledge of the liability risks educators face. Learn how insurance can help you pass the upcoming school season with flying colours. - [From Profit to Peril: 7 Risks Landlords Face with Rental Property Ownership](https://www.zensurance.com/blog/from-profit-to-peril-7-risks-landlords-face-with-rental-property-ownership): There are many benefits to being a landlord. But it’s also a big responsibility that must be treated like a business. See what common liabilities landlords face and how a damage checklist and adequate insurance protection can help. - [Survey: More Than Half of Canadian Small Businesses Struggling Because of Inflation](https://www.zensurance.com/blog/survey-more-than-half-of-canadian-small-businesses-struggling-because-of-inflation): On the heels of recovering from the financial impacts of the pandemic, Zensurance’s Small Business Confidence Index 2023 finds small business owners fretting over the ravages of inflation, rising interest rates, increasing their prices, and mitigating business-related risks. - [How to Become a Yoga Instructor in Canada](https://www.zensurance.com/blog/how-to-become-a-yoga-instructor-in-canada): New yoga practitioners have plenty of opportunities to start their practices. Explore the requirements to become a certified yoga instructor in Canada and the steps you need to take to get there. - [What Is Professional Negligence?](https://www.zensurance.com/blog/what-is-professional-negligence): Professional negligence claims can occur in multiple industries or professions. Get an overview of what it is, how it differs from professional misconduct, and how you can prevent it from happening to you. - [What Insurance Do Filmmakers Need?](https://www.zensurance.com/blog/what-insurance-do-filmmakers-need): Filmmakers face a wide range of liability risks. Learn how insurance can help if something goes wrong. - [Business Insurance Lapse: What Happens When Your Policy Expires](https://www.zensurance.com/blog/business-insurance-lapse-what-happens-when-your-policy-expires): An insurance policy that lapses, expires, or is cancelled by a provider can leave you uninsured and lead to a host of problems. Learn what can lead to an insurance lapse, how it can affect you, and what to do if it happens to your business. - [Why Consultants Need Contractual Liability and E&O Insurance](https://www.zensurance.com/blog/why-conultants-need-contractual-liability-and-eo-insurance): Among the types of coverages every consultant should consider as part of a comprehensive insurance policy are contractual liability and errors and omissions insurance. Let’s take a closer look at these two types of insurance and why you need them. - [What Is Hired and Non-Owned Commercial Auto Insurance?](https://www.zensurance.com/blog/what-is-hired-and-non-owned-commercial-auto-insurance): If you hire, rent, or lease vehicles for your small business, or if your employees are using their cars for business purposes, you need to add optional commercial auto coverages to protect your finances if those vehicles are damaged. Here’s what you need to know. - [How to Register a Business in Ontario](https://www.zensurance.com/blog/how-to-register-a-business-in-ontario): Get ready to launch your startup or new business venture in Canada’s most populous province by following the steps in our in-depth guide on registering your company in Ontario. - [Do You Need Insurance for Your Lawn Mowing Business?](https://www.zensurance.com/blog/do-you-need-insurance-for-your-lawn-mowing-business): Even if your existing or upstart lawn care business only offers basic lawn care and grooming services to residential clients, protecting your finances and reputation is essential. Here’s what you need to know. - [What Type of Insurance Does Your Photo Booth Business Need?](https://www.zensurance.com/blog/what-type-of-insurance-does-your-photo-booth-business-need): Industry data suggests it’s a picture-perfect time to own a photo booth business. But for small business owners who provide, service, rent, and sell photo booths, focusing on protecting their assets is vital. Let’s zoom in on the insurance your photo booth business needs. - [What Is Contractor Equipment Insurance?](https://www.zensurance.com/blog/what-is-contractor-equipment-insurance): Thieves and vandals look for low-risk opportunities at construction sites with lax security. Understand how contractor equipment insurance can help, and see our recommended tips for enhancing security and preventing theft at every job site. - [5 Tips for Dog-Friendly Businesses](https://www.zensurance.com/blog/5-tips-for-dog-friendly-businesses): Business owners who are eager to make their commercial spaces a welcoming environment for all including dog owners and their pooches must take precautions, and don’t forget about the doggone insurance risks. - [Shipping on the Cheap: 7 Ways to Reduce Your Shipping Costs](https://www.zensurance.com/blog/shipping-on-the-cheap-7-ways-to-reduce-your-shipping-costs): There’s no such thing as ‘free shipping’. You either pass on the cost to the consumer and your profits take a hit or absorb them and it takes a big bite out of your earnings. Here’s how to find a better balance. - [8 Reasons Why Your Small Business Needs Legal Services Insurance](https://www.zensurance.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 issues. Here's why you should think about adding it to your policy. - [What Is a Certificate of Insurance (COI)?](https://www.zensurance.com/blog/what-is-a-certificate-of-insurance): Get the lowdown on what a certificate of insurance (COI) or proof of insurance document is and why your small business or profession needs one. - [7 Things to Know Before Buying Small Business Insurance](https://www.zensurance.com/blog/7-things-to-know-before-buying-small-business-insurance): Making informed decisions is vital for any small business owner, sole proprietor, or self-employed professional, especially when purchasing insurance. Here are seven factors to consider before buying a policy. - [Understanding AI Hallucinations and 8 Ways to Mitigate Them](https://www.zensurance.com/blog/understanding-ai-hallucinations-and-8-ways-to-mitigate-them): When artificial intelligence (AI) chatbots don’t have the information they need to answer a question correctly, they make it up. Called ‘hallucinations’, here are ways to try to mitigate that from happening. - [10 Essential Types of Business Insurance for Small Businesses in Canada](https://www.zensurance.com/blog/10-essential-types-of-business-insurance-for-small-businesses-in-canada): Running a small business means exposure to many potential risks. Learn the different types of business insurance and how it can protect your business. - [5 Things to Do Before Renewing Your Small Business Insurance Policy](https://www.zensurance.com/blog/5-things-to-do-before-renewing-your-small-business-insurance-policy): Business insurance policies are typically one-year contracts between insurance companies and business owners. Here are five things to consider before renewing your policy. - [How to Write a Small Business Plan](https://www.zensurance.com/blog/how-to-write-a-small-business-plan): If you want to start your own business, your first step is drafting a comprehensive business plan. Read our in-depth guide on what you need to do to get started. - [Why Copywriters Need Professional Liability Insurance](https://www.zensurance.com/blog/why-copywriters-need-professional-liability-insurance): Copywriters' work has inherent risks that can lead to legal disputes and financial liabilities, particularly using generative artificial intelligence (AI) platforms. Here's why you need to get professional liability coverage. - [What You Need to Know About Self-Employed Insurance](https://www.zensurance.com/blog/what-you-need-to-know-about-self-employed-insurance): Despite working independently, self-employed professionals still face certain risks and liabilities that can impact their business and personal finances. Get a quick rundown of how insurance can protect you. - [How to Declare Your Small Business’s Annual Revenues and Why It Matters](https://www.zensurance.com/blog/how-to-declare-your-small-businesss-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. - [Compressed Work Week: Does a 4-Day Work Week Suit Your Small Business?](https://www.zensurance.com/blog/compressed-work-week-does-a-4-day-work-week-suit-your-small-business): Compressed work weeks are gaining significant traction in Canada. Several studies suggest adopting the tactic can benefit employees and employers. But is it suitable for your company? Here are the potential benefits and drawbacks of doing so. - [Why Do Lifeguards Need Insurance?](https://www.zensurance.com/blog/why-do-lifeguards-need-insurance): Like any other professionals, lifeguards face certain liability risks ensuring water safety. Get a quick rundown of the insurance you need to protect your finances and reputation. - [What Is Business Interruption Insurance?](https://www.zensurance.com/blog/what-is-business-interruption-insurance): Get a quick overview of how business interruption insurance can be the lifeline you need if you’re forced to temporarily close following a fire, water damage, theft, vandalism, or a natural disaster that hits your commercial property. - [What Is a Commercial Umbrella Insurance Policy?](https://www.zensurance.com/blog/what-is-a-commercial-umbrella-insurance-policy): Commercial umbrella insurance is an additional safety net for your business. Get the lowdown on how it can protect you and what types of companies and professionals should have it. - [10 Must-Have Apps for Canadian Small Business Owners](https://www.zensurance.com/blog/10-must-have-apps-for-canadian-small-business-owners): Running a small business is tough, but the right tools can make all the difference. See our list of apps designed to streamline operations, boost efficiency, and help you thrive in today's competitive market. - [How Can Small Businesses Use AI Tools?](https://www.zensurance.com/blog/how-can-small-businesses-use-ai-tools): Whether using artificial intelligence (AI) technologies pose risks or opportunities for your small business comes down to your strategy and goals. Get an overview of the pros and cons of using AI tools and how to evaluate them. - [What Insurance Do Exterior Painters Need?](https://www.zensurance.com/blog/what-insurance-do-exterior-painters-need): Exterior painters face various liability risks that can lead to financial losses, legal claims, and potential damage to their reputation. Get an overview of how insurance can help shield you from expensive losses. - [Do Dental Hygienists Need Malpractice Insurance?](https://www.zensurance.com/blog/do-dental-hygienists-need-malpractice-insurance): Many dental hygienists have some liability protection through their employers, but it may not offer them complete protection from liability claims and lawsuits. Get a quick overview of what you need to know to protect your career and finances. - [What Insurance Do Ice Cream Shops Need?](https://www.zensurance.com/blog/what-insurance-do-ice-cream-shops-need): Ice cream shop owners are gearing up for a busy summer as demand for sweet and ice-cold treats grows in Canada. Ensure your season is successful by understanding how insurance can shield you from potential liabilities. - [Landlord Insurance vs Home Insurance: What’s the Difference?](https://www.zensurance.com/blog/landlord-insurance-vs-home-insurance-whats-the-difference): If you’re renting a property, you’re exposed to financial risks that your homeowner insurance policy isn’t designed to cover. Here’s what you should know. - [How AI Could Impact Liability for Medical Practitioners](https://www.zensurance.com/blog/how-ai-could-impact-liability-for-medical-practitioners): Medical professionals need to back up their decisions and take action to the best of their knowledge and abilities to avoid liability claims. Here are three ways artificial intelligence (AI) can help reduce the risks healthcare providers face. - [Why Do Insurance Companies Check Your Business’s Credit Score?](https://www.zensurance.com/blog/why-do-insurance-companies-check-your-businesss-credit-score): Learn why insurance providers assess your business's credit score. Explore the impact of credit on insurance policies and pricing. - [What Insurance Do Tarot Card Readers Need?](https://www.zensurance.com/blog/what-insurance-do-tarot-card-readers-need): Tarot card readers need insurance to cover risks like any other business or vocation. Here’s what you need to know. - [Will Home Insurance Cover Your Airbnb or VRBO Rental?](https://www.zensurance.com/blog/will-home-insurance-cover-your-airbnb-or-vrbo-rental): Insurance companies generally consider home sharing, such as renting your home on Airbnb or VRBO, a commercial activity or a business. Here's how you can protect your property and vacation rental business. - [What Is Tail Coverage Insurance for Small Businesses?](https://www.zensurance.com/blog/what-is-tail-coverage-insurance-for-small-businesses): Tail coverage is an extension of your insurance covering claims made against you but was only reported after your insurance expired or was cancelled. Get a quick overview of how tail coverage works and whether you need it. - [Can You Get Business Insurance If Cancelled Previously for Non-Payment?](https://www.zensurance.com/blog/can-you-get-business-insurance-if-cancelled-previously-for-non-payment): If your business insurance policy was previously cancelled for non-payment, obtaining a new policy from the same insurer can be challenging. However, it is still possible to get business insurance from another insurance provider. Here’s what to do. - [Does a Small Business Need Media Liability Insurance?](https://www.zensurance.com/blog/does-a-small-business-need-media-liability-insurance): Media liability coverage can help small businesses by protecting against lawsuits or claims arising from media-related activities. Here’s what you need to know. - [How to Protect Your Business From Wildfires](https://www.zensurance.com/blog/how-to-protect-your-business-from-wildfires): As climate change continues to fuel extreme weather events, it's more critical than ever for Canadian entrepreneurs and small business owners to protect their properties. Wildfires are among the growing threats business owners face. See our wildfire preparedness tips. - [What Insurance Do Auto Mechanics and Auto Repair Shops Need?](https://www.zensurance.com/blog/what-insurance-do-auto-mechanics-and-auto-repair-shops-need): Auto maintenance and repair professionals and shop owners face many risks when servicing their customers’ vehicles. Get a quick overview of how business insurance can help significantly reduce the cost of damage and loss to your auto shop. - [A Guide to Yoga Instructor Insurance](https://www.zensurance.com/blog/a-guide-to-yoga-instructor-insurance): Read our in-depth guide on what a comprehensive yoga instructor insurance policy provides, why instructors need it, and what to look for in a policy to protect your finances, reputation, and livelihood. - [It’s Almost Patio Season: Will Your Restaurant Insurance Cover You?](https://www.zensurance.com/blog/its-almost-patio-season-will-your-restaurant-insurance-cover-you): Restaurant owners can be optimistic that the warmer weather will entice Canadians to get out and about for a bite to eat this summer. However, for establishments with patios, risks are involved in liability and property damage. Here's what you need to know. - [Does a Handyman Need to Have Insurance?](https://www.zensurance.com/blog/does-a-handyman-need-to-have-insurance): A handyman is a skilled professional providing various interior and exterior repairs and renovations, typically at residential properties. Learn why you should protect your profession and finances with a customized insurance policy, what it includes, and its cost. - [What Insurance Do Arborists Need?](https://www.zensurance.com/blog/what-insurance-do-arborists-need): Arborists and tree care professionals do important but dangerous work. Don’t go out on a limb and offer your services without insurance. Here’s a quick overview of what you need to protect your business. - [What Equipment Does Your Cleaning Business Need? (And How to Protect Them)](https://www.zensurance.com/blog/what-equipment-does-your-cleaning-business-need-and-how-to-protect-them): Running a successful professional cleaning business demands many things, including the right tools and equipment to meet your customers’ expectations. Here’s an overview of the essential items you need. - [Golf Course Insurance: What It Covers and What It’s For(e)](https://www.zensurance.com/blog/golf-course-insurance-what-it-covers-and-what-its-fore): Golf courses face a broad range of risks, ones you cannot play through. Get a customized golf course insurance policy that’s on par with your business’s specific needs. - [Federal Budget 2023: 5 Key Takeaways for Small Businesses](https://www.zensurance.com/blog/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. - [What Type of Insurance Does a Home Daycare Business Need?](https://www.zensurance.com/blog/what-type-of-insurance-does-a-home-daycare-business-need): Home daycare insurance consists of three important coverages to protect against the common risks of running a daycare. - [How to Grow Your Small Business in an Uncertain Economy](https://www.zensurance.com/blog/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. - [What Insurance Do Hypnotherapists Need?](https://www.zensurance.com/blog/what-insurance-do-hypnotherapists-need): Insurance may not be legally required for hypnotherapists in Canada, but it is strongly recommended. Insurance is vital for health and wellness practitioners who help people improve their mental and emotional well-being. Here’s what you should know. - [What Insurance Do Walking Tour Providers Need?](https://www.zensurance.com/blog/what-insurance-do-walking-tour-providers-need): Independent tour guides and walking tour companies providing walking tours in cities and on nature paths can be held liable for damages if one of your clients is injured or if they allege you didn’t deliver what was advertised. Here’s how to protect yourself. - [6 Tips for Mitigating Work From Home Injuries and Employers’ Liability](https://www.zensurance.com/blog/6-tips-for-mitigating-work-from-home-injuries-and-employers-liability): Although severe injuries to workers who occasionally or regularly work from home are rare, should one of your employees suffer an injury while working at home, you can still be held liable for the costs. See our tips for reducing those risks. - [What Is Contractual Liability Insurance?](https://www.zensurance.com/blog/what-is-contractual-liability-insurance): Contractual liability insurance is your financial backstop for dealing with third-party bodily injury or property damage liabilities you assume when signing a common business contract. Find out how it can protect your business. - [Do Landlords Need Additional Insurance?](https://www.zensurance.com/blog/do-landlords-need-additional-insurance): Being a landlord is a big responsibility. That means taking the time to fully understand the costs of being a landlord – both expected and unexpected. Here’s what you should know. - [5 Common Cyber Liability Insurance Claims](https://www.zensurance.com/blog/5-common-cyber-liability-insurance-claims): Small businesses and startups are not immune to cyber-attacks. Get a rundown of some of the most common cyber-attacks that hit companies of all sizes and how cyber liability insurance can help a business recover from one. - [Workers’ Compensation vs Employers’ Liability Insurance: What’s the Difference?](https://www.zensurance.com/blog/workers-compensation-vs-employers-liability-insurance-whats-the-difference): You may wonder if employers’ liability insurance is the same as workers’ compensation insurance. Technically, the answer is ‘no’. However, these two insurance types are designed to complement each other. Here’s what you need to know. - [Do Virtual Assistants Need Insurance?](https://www.zensurance.com/blog/do-virtual-assistants-need-insurance): Virtual assistants are independent, self-employed contractors who provide their clients with administrative, customer service, technical, and other support services. With so much responsibility, it’s vital to protect yourself with insurance. Here’s what you should know. - [What Is Liability Insurance?](https://www.zensurance.com/blog/what-is-liability-insurance): Liability insurance for small businesses and self-employed professionals protects your assets if you're legally responsible for compensating a third party for damage or loss. Learn about the different types of liability insurance and how they can protect you. - [What Type of Insurance Do Beauticians Need?](https://www.zensurance.com/blog/what-type-of-insurance-do-beauticians-need): All beauticians – from barbers to tattoo artists – face financial risks from accidents and client allegations of wrongdoing or lawsuits. Get a rundown of how insurance can help protect you and keep your reputation blemish-free. - [What to Do If Your Small Business Floods](https://www.zensurance.com/blog/what-do-do-if-your-small-business-floods): As Canada’s most common natural hazard, floods pose a risk to businesses everywhere. Learn more about floods, how to prevent them, clean up after one, and how insurance can help tackle the cost of damage and loss. - [Fraud Prevention Month 2023: 8 Ways to Protect Your Business From Fraud](https://www.zensurance.com/blog/fraud-prevention-month-8-ways-to-protect-your-business-from-fraud): March is Fraud Prevention Month. Fraud is rising significantly in Canada. Do you know where your greatest vulnerabilities are? Learn how to prevent your business from falling victim to fraud. - [What Insurance Do Photographers Need?](https://www.zensurance.com/blog/what-insurance-do-photographers-need): Whether you’re on the cusp of starting a photography career or are an experienced veteran, here’s how to protect your photography business. - [What Is Drone Liability Insurance?](https://www.zensurance.com/blog/what-is-drone-liability-insurance): There are countless possibilities for using drones commercially. But with all the upsides drones provide for businesses, there are also downsides. Get an overview of how drone liability insurance can protect you. - [What Is Commercial Auto Insurance in Canada?](https://www.zensurance.com/blog/what-is-commercial-auto-insurance-in-canada): Most personal car insurance policies do not provide coverage for accidents or damages to a vehicle used for business. Learn what a commercial auto policy provides and why it’s must-have coverage for your wheels. - [How to Reduce Your Small Business’s Electrical Fire Risks](https://www.zensurance.com/blog/how-to-reduce-your-small-businesss-electrical-fire-risks): Don’t assume your business has no electrical fire risk because everything appears to operate correctly daily. Find out how to prevent electrical fires and how insurance can help your business recover if one ignites in your workplace. - [9 Common Warehouse Risks and How to Reduce Them](https://www.zensurance.com/blog/9-common-warehouse-risks-and-how-to-reduce-them): Handling the cost and impact of accidents and being prepared for unexpected damage and loss because of events beyond their control is a top challenge warehouse owners face. Get an overview of the most common warehouse hazards and how insurance can protect your business. - [How Your Small Business Can Accept Credit Card Payments in Canada](https://www.zensurance.com/blog/how-your-small-business-can-accept-credit-card-payments-in-canada): The monetary landscape is shifting, emphasizing the need for Canadian small businesses to adapt to accepting cashless payments more frequently from their customers. Here’s what you should know. - [Does Your Business Need Fleet Vehicle Insurance?](https://www.zensurance.com/blog/does-your-business-need-fleet-vehicle-insurance): The benefit of purchasing a fleet vehicle insurance policy for five or more business vehicles is two-fold: it ensures your vehicles are protected and you can save money. Read our in-depth guide on commercial fleet vehicle insurance. - [Do Event Planners Need Insurance?](https://www.zensurance.com/blog/do-event-planners-need-insurance): Event planning is an exciting industry, and event planners have careers abounding with culture, novelty, creativity, and adventure. Business insurance is necessary for any event planner so they can focus on their next big event, not an unexpected accident. - [Do Yoga Teachers Need Liability Insurance?](https://www.zensurance.com/blog/do-yoga-teachers-need-liability-insurance): Yoga teachers are fitness and wellness instructors who guide their clients through various poses or asanas. Despite the many benefits yoga provides, your clients may suffer a physical injury that can put your livelihood at risk. Here’s how you can protect yourself. - [What Is a Loss Payee in Business Insurance?](https://www.zensurance.com/blog/what-is-a-loss-payee-in-business-insurance): A loss payee is one of many insurance terms worth understanding, so you can make informed choices when insuring your profession or business. Learn more about loss payees and how they differ from an additional insured. - [How to Start a Business in Ontario](https://www.zensurance.com/blog/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. - [6 Risks Gyms and Fitness Centres Face](https://www.zensurance.com/blog/6-risks-gyms-and-fitness-centres-face): Even the most organized and well-managed gyms and fitness centres are vulnerable to many liability exposures. Learn about the most common risks and how to mitigate them. - [Seasonal Contractor: 5 Reasons Why You Need Year-Round Insurance Protection](https://www.zensurance.com/blog/seasonal-contractor-5-reasons-why-you-need-year-round-insurance-protection): Does buying a short-term business insurance policy save you money? Not necessarily. Moreover, it can lead to problems. Here are five reasons why you should consider purchasing an annual policy and maintaining continuous protection for your business. - [What Type of Insurance Do You Need for Leased Equipment?](https://www.zensurance.com/blog/what-type-of-insurance-do-you-need-for-leased-equipment): You might be surprised to learn some types of equipment are not automatically protected by a contractor’s typical commercial property policy. Here’s what you need to know about covering tools and equipment you own, rent, lease, or borrow. - [How Much Does Commercial Property Insurance Cost?](https://www.zensurance.com/blog/how-much-does-commercial-property-insurance-cost): Commercial property insurance is necessary for any small business that owns, rents, or leases a business property. Learn how it costs to protect your finances and assets, and discover ways to mitigate the risks you face. - [How to Become a Personal Trainer in Canada](https://www.zensurance.com/blog/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. - [Canadian Small Business Tax Filing Tips for 2023](https://www.zensurance.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 a rundown of important dates and how to reduce your chances of being audited. - [How to Cancel a Small Business Insurance Policy](https://www.zensurance.com/blog/how-to-cancel-a-small-business-insurance-policy): If you’re thinking of switching insurance providers or cancelling a small business insurance policy, it’s a straightforward process. But there are a few steps to take, such as confirming any outstanding balances. Here’s what you need to know. - [10 Trends to Grow Your Small Business in 2023](https://www.zensurance.com/blog/10-trends-to-grow-your-small-business-in-2023): As they say in financial investment and stock market trading circles, ‘the trend is your friend’. Read our 10 trends for 2023 to help increase your sales and grow your small business. - [9 Steps to Starting a Home Renovation Business](https://www.zensurance.com/blog/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. - [Why Your Spa or Salon Needs Equipment Breakdown Insurance](https://www.zensurance.com/blog/why-your-spa-or-salon-needs-equipment-breakdown-insurance): Beauty businesses have a wide range of expensive equipment they need to run their businesses and help their clients relax and look their best. Protecting that equipment is essential for your business’s continuity. Here’s what you need to know. - [How to Become a General Contractor](https://www.zensurance.com/blog/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](https://www.zensurance.com/blog/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. - [What Is a Business Insurance Policy Limit?](https://www.zensurance.com/blog/what-is-a-business-insurance-policy-limit): A policy limit is the maximum amount of money your insurance provider will pay for an insurable loss during the policy’s term, typically a one-year period. Learn what your options are when choosing what your coverage limits should be. - [How to Prepare Your Small Business for a Recession](https://www.zensurance.com/blog/how-to-prepare-your-small-business-for-a-recession): Although there’s no consensus among economists whether Canada will slip into a recession, preparing your business’s finances to endure a choppy economy now and into 2023 is the safest strategy. Here are ways to do that. - [What Kind of Insurance Does Santa’s Workshop Need?](https://www.zensurance.com/blog/what-kind-of-insurance-does-santas-workshop-need): Sleigh bells may jingle, but if St. Nick’s sleigh gets into a collision, or a fire ignites at his workshop, and all the toys are destroyed, the costs could ruin the festive season. Here’s an overview of the insurance protection Santa has (and what your business should have, too!). - [How to Start an Amazon Business in Canada](https://www.zensurance.com/blog/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. - [How to Start an IT Business in Canada](https://www.zensurance.com/blog/how-to-start-an-it-business-in-canada): Much like a technologist, entrepreneurship is about problem-solving. Considering our economic environment, the moment to strike out on your own may be at-hand. Here are the steps to take to bring your tech startup to life. - [6 Ways to Improve Inventory Management](https://www.zensurance.com/blog/6-ways-to-improve-inventory-management): Your inventory is one of your company’s most valuable assets. Managing it well through seasonal peaks throughout the year is vital for inventory control. Get an overview of how you can improve your inventory management and how insurance can help protect it. - [12 Classic and Innovative Ways to Grow Your Email Marketing List](https://www.zensurance.com/blog/12-classic-and-innovative-ways-to-grow-your-email-marketing-list): Here are 12 ways to grow your list and create long-term relationships with your customers. - [What Insurance Do Acupuncture Practitioners Need?](https://www.zensurance.com/blog/what-insurance-do-acupuncture-practitioners-need): Like all health and wellness practitioners, acupuncturists need insurance for unexpected events, accidents, and third-party personal injury and property damage claims resulting from their services. Get a primer on what coverages acupuncturists need. - [How to Become a Registered Massage Therapist (RMT) in Canada](https://www.zensurance.com/blog/how-to-become-a-registered-massage-therapist-rmt-in-canada): Read our guide on starting a career as a registered massage therapist and find out what education and hands-on experience you need, salary details, insurance considerations, and more. - [How Financial Literacy Can Help Protect Your Small Business](https://www.zensurance.com/blog/how-financial-literacy-can-help-your-small-business): It’s vital for small business owners to be well-informed about finance to effectively manage and grow their businesses. November is Financial Literacy Month. Tap into these resources to up your financial management skills. - [A Guide to Selling on Depop](https://www.zensurance.com/blog/a-guide-to-selling-on-depop): Get the lowdown on selling on Depop, including what you can sell online, selling fees, recommended insurance coverage, and more. - [What Is Social Engineering?](https://www.zensurance.com/blog/what-is-social-engineering): Social engineering is a technique used by hackers to manipulate people online to voluntarily provide confidential information about themselves. Learn about the different types of social engineering attacks and how to thwart them. - [How to Identify and Eliminate 7 Types of Waste in Your Small Business](https://www.zensurance.com/blog/how-to-identify-and-eliminate-7-types-of-waste-in-your-small-business): The principles of lean management apply to almost every type of business or industry. It aims to improve your operational efficiency by eliminating waste across your internal processes. It may also help you keep your insurance premium low. Here’s what you should know. - [What Is a Business Insurance Exclusion?](https://www.zensurance.com/blog/what-is-a-business-insurance-exclusion): All commercial insurance policies contain exclusions. Get an overview of what an exclusion is and understand what it is you’re covered for and what’s not covered by your policy. - [What Is Business Tenant Insurance?](https://www.zensurance.com/blog/what-is-a-business-tenant-insurance): Sometimes called commercial tenant insurance or tenant legal liability, business tenant insurance covers the cost of claims or lawsuits related to your company’s regular activities. Here’s what you need to know. - [What Is Wrap-Up Liability Insurance?](https://www.zensurance.com/blog/what-is-wrap-up-liability-insurance): Running or working on a large construction project? A wrap-up liability insurance policy can adequately address your risk exposures. Get the lowdown on what a wrap-up policy is and how it can protect your project and team. - [How Does Inflation Affect Small Businesses?](https://www.zensurance.com/blog/how-does-inflation-affect-small-businesses): Although Canada’s annual inflation rate cooled slightly from a high of 8.1% in June, core inflation has yet to peak, economists warn. Here’s how small businesses can manage the impact of inflation on their bottom lines. - [Small Business Hiring Guide: Interview Dos and Don'ts](https://www.zensurance.com/blog/small-business-hiring-guide-interview-dos-and-donts): It costs business owners money to hire new employees. How can you keep costs down and find the right fit for your organization? Follow our interviewing tips and streamline your hiring process. - [How to Resolve Angry Customer Complaints](https://www.zensurance.com/blog/how-to-resolve-angry-customer-complaints): Every business has to deal with angry customers from time to time. Showing empathy and making an effort to resolve the situation is vital for preserving your business’s reputation. Here are ways you can do that. - [Asbestos Insurance: Does Your Business Need It?](https://www.zensurance.com/blog/asbestos-insurance-does-your-business-need-it): Insurance for asbestos exposure and other pollutants should not be taken lightly. It’s critical to understand the different types of asbestos, where asbestos has been used, and who needs asbestos insurance coverage. - [5 Ways to Get Social Media ROI for Your Small Business](https://www.zensurance.com/blog/5-ways-to-get-social-media-roi-for-your-small-business): Social media offers small businesses and self-employed professionals an affordable and direct means of communicating with their existing customers while attracting new business. But how do you know if your efforts are working? Here’s what you should know. - [Do Consultants Need Business Insurance?](https://www.zensurance.com/blog/do-consultants-need-business-insurance): The advice and services independent consultants provide to their clients can be misinterpreted or fall short of expectations, leading to a claim of negligence or even an expensive lawsuit. Find out how insurance can help protect your consultancy. - [How to Become a Freelance Writer](https://www.zensurance.com/blog/how-to-become-a-freelance-writer): Becoming a freelance writer means you’re a self-employed professional who writes articles and other forms of content for a variety of different clients. It can be a rewarding career, but you need to treat it like a business. Here’s what to do. - [How to Start a Daycare Business](https://www.zensurance.com/blog/how-to-start-a-daycare-business): If you have a passion for raising children and are looking for a lucrative business opportunity, opening a daycare business can be a rewarding option. Read our guide on how you can get started. - [What Is Product Recall Insurance?](https://www.zensurance.com/blog/what-is-product-recall-insurance): Retailers (online and offline) are responsible for the products they sell or distribute, including faulty products. And managing a product recall is not inexpensive. Here’s how product recall insurance can help. - [Why Home Inspectors Need Errors and Omissions Insurance](https://www.zensurance.com/blog/why-home-inspectors-need-errors-and-omissions-insurance): Home inspectors face a significant amount of risk. Everything they say and do for their clients can influence a homebuyer’s decision-making. Get the lowdown on why inspectors should protect their businesses and finances with insurance. - [Can a Customer Liability Waiver Protect Your Small Business?](https://www.zensurance.com/blog/can-a-customer-liability-waiver-protect-your-small-business): Eliminating all the risks your business faces are nearly impossible. However, it is possible to minimize and manage them. Learn about customer liability waivers and whether they can help shield you from third-party bodily injury claims or lawsuits. - [What Is SME Insurance?](https://www.zensurance.com/blog/what-is-sme-insurance): Considering how important SMEs are to the Canadian economy and their respective communities, it’s vital those organizations focus on emergency preparedness and have an SME insurance policy to protect their assets. Here’s what you should know. - [Do I Need Insurance for My Shopify Retail Store?](https://www.zensurance.com/blog/do-i-need-insurance-for-my-shopify-retail-store): Whether you’re launching a new online retail business or extending your brick-and-mortar operations to the internet using Shopify, here’s why you should consider protecting yourself with insurance. - [Majority of Canadian Small Businesses Confident Despite the Pandemic: Survey](https://www.zensurance.com/blog/majority-of-canadian-small-businesses-confident-despite-the-pandemic-survey): The Zensurance Canadian Small Business Confidence Index finds that 60% of business owners are confident they will be successful over the latter half of 2022, though nearly 50% say their revenue was down or about the same in the first six months of the year compared to the first half of 2021. - [How to Start a Restaurant Business](https://www.zensurance.com/blog/how-to-a-restaurant-business): Licking your chops at the thought of opening your own restaurant or food business? Check out our handy guide on how you can get started. - [What Is Commercial Insurance?](https://www.zensurance.com/blog/what-is-commercial-insurance): Get an easy-to-read overview of commercial insurance, the protection it provides, and why every small business owner, entrepreneur, and self-employed professional should have a policy. - [What Kind of Business Insurance Do Fintech Startups Need?](https://www.zensurance.com/blog/what-kind-of-business-insurance-do-fintech-startups-need): Fintechs possess a lot of sensitive information about their customers. The dangers and benefits fintechs face are interwoven. As primary targets for fraud, scams, and cyber-attacks, find out what protection fintech startups need. - [Do You Need Insurance to Host Outdoor Yoga Classes?](https://www.zensurance.com/blog/do-you-need-insurance-to-host-outdoor-yoga-classes): If you are a yoga instructor, teaching a class outside can be a great way to make a few extra bucks while getting some fresh air. But make sure you are protected if something goes wrong. - [How to Reduce Job Applicant Ghosting in a Tight Labour Market](https://www.zensurance.com/blog/how-to-reduce-job-applicant-ghosting-in-a-tight-labour-market): Small businesses can’t afford to be waiting for applicants who will never arrive, or worse yet, people who get hired only to not show up for their first shift. Here’s how you can prevent applicants from “ghosting” you. - [8 Ways to Make Smart Small Business Decisions](https://www.zensurance.com/blog/8-ways-to-make-smart-small-business-decisions): Every business makes a mistake. Some of the largest companies in the world have made them. Discover eight decision-making strategies to help guide you as you grow your company. - [What Is Business Fire Insurance?](https://www.zensurance.com/blog/what-is-business-fire-insurance): Fire is among the greatest threats to business owners. Learn what your options are to protect your business from the risk of fire with insurance and follow our recommended fire safety and prevention tips for your workplace. - [What Is Heavy Equipment Insurance?](https://www.zensurance.com/blog/what-is-heavy-equipment-insurance): Mitigating financial and productivity losses are priorities for all construction project teams, and that includes protecting the heavy equipment they use. Here’s how insurance can help do that. - [Canada Day Weekend: Wave the Flag and Market Your Small Business](https://www.zensurance.com/blog/canada-day-weekend-wave-the-flag-and-market-your-small-business): National holidays are a great way to have your brand join in on the collective feelings of optimism, celebration, and reflection. Just be careful it reads as authentic. - [How to Write a Mission and Vision Statement for Your Small Business](https://www.zensurance.com/blog/how-to-write-a-mission-and-vision-statement-for-your-small-business): There is often confusion around what mission and vision statements are and their differences. Read our guide on how to develop and realize your organization’s mission and vision statements. - [Guide: Risk Analysis and Management for Startups](https://www.zensurance.com/blog/guide-risk-analysis-and-management-for-startups): Statistically, most startups will fail. Don’t be one of them. Doing a comprehensive risk assessment is a crucial step in de-risking a startup. Here’s what you should do. - [8 General Contractor Marketing Tips](https://www.zensurance.com/blog/8-general-contractor-marketing-tips): Many contractors work in the residential renovation and maintenance segment. Considering the competition, what is the best way for contractors to market their services and stand out? Follow these eight recommendations. - [How to Sell Anything at a Farmers’ Market](https://www.zensurance.com/blog/how-to-sell-anything-at-a-farmers-market): Farmers’ markets offer several benefits to both communities and consumers. As a vendor, being profitable means understanding the business expenses. Get an overview of what you need to consider if you fancy selling goods at a farmers’ market. - [How to Start an Electrician Business in Canada](https://www.zensurance.com/blog/how-to-start-an-electrician-business-in-canada): It’s estimated Canada will need thousands of new electricians within 10 years. That makes pursuing a career as an electrician or starting your own business in the trade ideal. - [How to Do a Business Name Search in Canada](https://www.zensurance.com/blog/how-to-do-a-business-name-search-in-canada): A catchy business name can create brand awareness, drive customer loyalty and sales, and eventually help you attract the talent you need when it’s time to hire employees. Here are the steps you need to take to register and protect your company’s name. - [How Does Your Side Business Affect Your Taxes?](https://www.zensurance.com/blog/how-does-your-side-business-affect-your-taxes): The money earned from your side hustle is considered taxable but there are many ways to lower your tax bill. Here’s how to do that. - [What Is a Good Profit Margin for Your Small Business?](https://www.zensurance.com/blog/what-is-a-good-profit-margin-for-your-small-business): A profit margin is an amount that shows how profitable your business is by dividing income by revenue (also called sales). There are also different types of margins you’ll need to understand and ways to improve them. - [How to Start a Jewellery-Making Business](https://www.zensurance.com/blog/how-to-start-a-jewellery-making-business): Although the jewellery industry is highly competitive, it has low barriers to entry. If you’re keen to dazzle the world with your artisan, handcrafted treasures, now may be the time to strike gold. Here are the steps you need to take. - [How to Become a Life Coach](https://www.zensurance.com/blog/how-to-become-a-life-coach): If you’re thinking of becoming a life coach, consider your strengths and passions to help pick an area of expertise. But being a life coach also means you need to think like a business owner. - [Types of Communication Styles in Business](https://www.zensurance.com/blog/types-of-communication-styles-in-business): The tone of voice you use when developing your business communication style is critical. It not only affects how people notice your business but can also influence who’ll want to do business with you. - [How to Start a Clothing Business](https://www.zensurance.com/blog/how-to-start-a-clothing-business): There are a few steps you need to take to turn your dream of running a clothing business into reality. Here’s how you can do that. - [What You Need to Know About Baby Products Liability Insurance](https://www.zensurance.com/blog/what-you-need-to-know-about-baby-products-liability-insurance): Most small business owners recognize that they need a liability policy for any product they manufacture, sell, or distribute online or offline. But the potential risks children’s toys and products create raises the stakes considerably. Here’s what you should know. - [10 Hiring Tips for Startups](https://www.zensurance.com/blog/10-hiring-tips-for-startups): Your startup business is growing and now it’s time to build your team by hiring qualified talent. Read our recommendations for how you can find the people you need to help your business continue to thrive and grow. - [4 Common Construction Insurance Claims and How to Avoid Them](https://www.zensurance.com/blog/4-common-construction-claims-and-how-to-avoid-them): Construction sites have many health and safety hazards. Here’s what to be mindful of and the steps to take year-round to prevent an accident, theft, or injuries at your job sites. - [Starting a Food Truck Business? Here’s What You Should Know](https://www.zensurance.com/blog/starting-a-food-truck-business-heres-what-you-should-know): Have you always wanted to open a food truck business but don’t know where to start? Get details on what you’ll need in terms of costs, permits, insurance, tips for success and pitfalls to avoid so that there are no surprises. - [7 Tips for Swimming Pool Maintenance Contractors](https://www.zensurance.com/blog/7-tips-for-swimming-pool-maintenance-contractors): As we head into the prime-time season for swimming pool contractors, now’s the time to get ready to ramp up your operations and ensure your team is ready to help your customers keep their pools clean. - [6 Best Website Builders for Small Businesses](https://www.zensurance.com/blog/6-best-website-builders-for-small-businesses): Every established small business or startup needs to have a website to attract customers, but not all business owners, entrepreneurs, and self-employed professionals are comfortable designing and creating a site from scratch. See our suggestions for how to get online easily and affordably. - [Payment Processors: 5 Ways to Reduce Credit Card Processing Fees](https://www.zensurance.com/blog/payment-processors-5-ways-to-reduce-credit-card-processing-fees): As your small business grows, the fees you pay to process credit card payments may rise. Here’s how you can reduce your credit card processing fees whether you use a payment aggregator or merchant account provider. - [How to Start a Landscaping Business](https://www.zensurance.com/blog/how-to-start-a-landscaping-business): Learn what it takes to start, manage, and run a profitable landscaping business in Canada. - [Places of Worship: Your Guide to Ecclesiastical Insurance](https://www.zensurance.com/blog/places-of-worship-your-guide-to-ecclesiastical-insurance): Whether at a church, temple, synagogue, mosque, or chapel, religious and community gatherings are typically large, varied, and may pose several legal risks from which even places of sanctuary are not immune. Learn about the primary risks faith-based organizations face. - [How to Start a Consulting Business in Canada](https://www.zensurance.com/blog/how-to-start-a-consulting-business-in-canada): Thinking of setting up a consulting business? Get an overview of the steps you need to take to kickstart your independent consultancy and position yourself for success. - [How to Start an Instagram Business](https://www.zensurance.com/blog/how-to-start-an-instagram-business): More than 33 million Canadians use social media networks regularly, and Instagram ranks as the second-most popular. Here’s how you can get started and use the photo- and video-sharing site to grow your small business. - [6 Ways Bookkeeping Helps Small Businesses Grow](https://www.zensurance.com/blog/6-ways-bookkeeping-helps-small-businesses-grow): Accurate small business bookkeeping helps to ensure your company survives. Here's how maintaining accurate financial records throughout the year can help your venture thrive and grow. - [How to Do a Contents Inventory for Commercial Property Insurance](https://www.zensurance.com/blog/how-to-do-a-contents-inventory-for-commercial-property-insurance): Your inventory is a list of all the physical assets and goods that your company needs to operate. Creating a contents inventory is necessary if you must file a claim for damage or loss due to an insured event. Here’s how to do that. - [5 Common Restaurant Insurance Claims](https://www.zensurance.com/blog/common-restaurant-insurance-claims): Running a safe restaurant is crucial to your business's success. For that reason, the more you know about the potential hazards, the better you can protect yourself and your customers. - [12 Safety Tips for Campground Owners](https://www.zensurance.com/blog/12-safety-tips-for-campground-owners): An estimated 3.1 million Canadian households plan to go camping this year and more than 500,000 plan to camp for the first time. Here’s how campground and RV park owners can get ready for the season and protect their businesses. - [8 Ways to Protect Your Business from Severe Weather](https://www.zensurance.com/blog/8-ways-to-protect-your-business-from-severe-weather): The cost of severe weather events across Canada reached $2.1 billion in damages in 2021. Rebounding quickly from drastic weather calls for a forward-looking strategy to protect your business, employees, and customers. Here’s what you should know. - [Returning to Work: Is Your Business Protected After COVID-19?](https://www.zensurance.com/blog/returning-to-work-is-your-business-protected-after-covid-19): Before you swing open the doors to the public and employees, it’s worthwhile to contemplate how your company has changed and what it needs to do differently to operate safely. - [Digital Marketing for Plumbers: How to Grow Your Business](https://www.zensurance.com/blog/digital-marketing-for-plumbers-how-to-grow-your-business): Plumbers are trained to know the ins and outs of water pipes and how to find and fix leaks. But marketing may be a head-scratcher. Here’s how you can gain more customers and stand out from the competition. - [How to Open an Etsy Shop](https://www.zensurance.com/blog/how-to-open-an-etsy-shop): Eager to establish your startup business using Etsy, the e-commerce marketplace? Read our detailed guide on how to get your Etsy store online and positioned for success. - [4 CASL-Compliant Ways to Use Email Marketing to Grow Your Business](https://www.zensurance.com/blog/4-casl-compliant-ways-to-use-email-marketing-to-grow-your-business): Email marketing is one of the fastest and most cost-efficient ways to capture the attention of potential customers. Learn 4 CASL-Compliant ways to grow your business through email marketing. - [Your Small Business May Be Vulnerable to Cybercrime](https://www.zensurance.com/blog/your-small-business-may-be-vulnerable-to-cybercrime): Putting so much emphasis on digital practices has left us vulnerable to cyber-attacks. Find out how you can protect your small business. - [What You Need to Know About Vacant Commercial Property Insurance](https://www.zensurance.com/blog/what-you-need-to-know-about-vacant-commercial-property-insurance): As small businesses shutter temporarily or permanently because of the pandemic, it’s having a knock-on effect on commercial property owners who rely on leasing their spaces to business owners. Here’s what you can do about it. - [Do Contractors Need Professional Liability Insurance?](https://www.zensurance.com/blog/do-contractors-need-professional-liability-insurance): The lines of responsibility between design firms and contractors are blurring, meaning contractors are assuming risks that their insurance policies may not adequately address. Here’s why you need professional liability protection. - [How to Start a Photography Business](https://www.zensurance.com/blog/how-to-start-a-photography-business): Your primary motivation to start a photography business isn’t to be a business owner necessarily. It’s to take high-quality photos and make a living off them. Read our guide on what to do to launch your photography career. - [8 Essential Traits to Become a Successful Entrepreneur](https://www.zensurance.com/blog/8-essential-traits-to-become-a-successful-entrepreneur): According to Statistics Canada, approximately one-third of businesses are no longer around after five years. Here are a few of the characteristics that every entrepreneur should have to endure and be successful. - [The Great Resignation: 5 Business Startup Ideas](https://www.zensurance.com/blog/5-business-startup-ideas): The pandemic hasn’t induced Canadians to quit their jobs in droves like our American friends. However, the entrepreneurial spirit is alive and well, with 2 million Canucks launching small businesses in recent months. Here are five ideas to ponder if you’re looking to go it alone. - [How to Start a Cleaning Business (and Mop Up the Competition)](https://www.zensurance.com/blog/how-to-start-a-cleaning-business): Striking out on your own by launching a cleaning business? With workplace and residential hygiene and safety being top-of-mind, now may be the time to kickstart your dream into reality. Here are five steps to take to get your cleaning business up and running. - [Finding the Right Balance: 6 Tips for Working from Home with Kids](https://www.zensurance.com/blog/finding-the-right-balance-6-tips-for-working-from-home-with-kids): ‘Working parent’ can sound redundant, as there is no end time to parent life, but having a supportive and positive workplace is a possibility. Here are six tips for parents working from home to find a healthy balance to their work weeks. - [Surviving the Pandemic: 5 Tips for Small Businesses](https://www.zensurance.com/blog/surviving-the-pandemic-5-tips-for-small-businesses): The past two years of lockdowns and restrictions in Canada have been very a bumpy ride for small businesses. But they have also presented important lessons on how to be resilient, adapt, diversify, and find help when needed. - [Why Do Accountants Need Professional Liability Insurance?](https://www.zensurance.com/blog/why-do-accountants-need-professional-liability-insurance): Accountants are creative number crunchers who generate new ideas and strategies to solve challenging business issues. But much like any small business owner or independent professional, accountants, too, face financial risks. - [8 Tips for Running a Successful Home-Based Business](https://www.zensurance.com/blog/8-tips-for-running-a-successful-home-based-business): If you’re running a small business from home, will your home insurance policy cover you in the event of an accident or unexpected event? In many instances, the answer is ‘no’. Here’s what you should know. - [Getting Ready to Hit the Gym: Is Your Small Business Insurance in Shape?](https://www.zensurance.com/blog/getting-ready-to-hit-the-gym-is-your-small-business-insurance-in-shape): As your clients are getting ready to get back into shape, is your gym or fitness business up to speed? Learn insurance tips to get your business fit-ready. - [How to File a Small Business Insurance Claim](https://www.zensurance.com/blog/how-to-file-a-small-business-insurance-claim): As your insurance broker, Zensurance assists its small business customers if they need to file a claim for damage or loss following an insured event. Here’s an overview of what happens if you must file a claim, and how we support you throughout the process. - [10 Accounting Tips for Small Business Owners](https://www.zensurance.com/blog/10-accounting-tips-for-small-business-owners): Save time and money, keep your books balanced, and avoid run-ins with the Canada Revenue Agency with these 10 tips to manage your business’s finances. - [How Small Business Data Impacts Insurance Underwriting and Quoting](https://www.zensurance.com/blog/how-small-business-data-impacts-insurance-underwriting-and-quoting): Sharing your business’s financial data with a licensed broker allows them to provide small business insurance policies faster since they automate the gathering of the information they need - [How to Read Your Small Business Insurance Policy Documents](https://www.zensurance.com/blog/how-to-read-your-small-business-insurance-policy-documents): Reading a commercial or business insurance policy can be confusing. Here’s a quick guide on how to cut through the murky terminology and have a clear view of what protections you purchased. - [What Kind of Insurance Do Estheticians Need?](https://www.zensurance.com/blog/what-kind-of-insurance-do-estheticians-need): Estheticians specialize in skin care and beautification. Whether you work as an independent contractor or run your own spa, you need to protect yourself from the unexpected. Here’s how you can. - [7 Things for a New Small Business to Know About Commercial Insurance](https://www.zensurance.com/blog/7-things-for-a-new-small-business-to-know-about-commercial-insurance): Knowing the type of commercial or business insurance policy you need to protect your small business can be perplexing, but it doesn’t need to be. Here are seven steps you can take to determine what you need. - [Cybersecurity Essentials: How to Create Strong Passwords](https://www.zensurance.com/blog/cybersecurity-essentials-how-to-create-strong-passwords): Small businesses may be at a disadvantage having the wherewithal to invest in cybersecurity defences. But there are ways to minimize the threats you face to thwart hackers and scammers. - [How to Manage a Successful Airbnb or VRBO Business](https://www.zensurance.com/blog/how-to-manage-a-successful-airbnb-or-vrbo-business): Getting into (or back into) the short-term rental game through Airbnb or VRBO to bolster your income? Understand the challenges and risks that accompany hosting before you do. Here’s what you should know. - [Guide: How to Start a Snow Removal Business in Canada](https://www.zensurance.com/blog/how-to-start-a-snow-removal-business-in-canada): The snow removal business can be a lucrative one, find out how to strategize in advance to capitalize on the opportunity, and tips to avoid these risks. - [Selling Goods Online? Get Product Liability Insurance](https://www.zensurance.com/blog/selling-goods-online-get-product-liability-insurance): Whether you use digital marketplaces like Amazon, Wayfair, and Etsy for your retail business or as a side hustle, you face risks distributing goods online. - [47% of Canadian Small Businesses Lack Cybersecurity Protection](https://www.zensurance.com/blog/canadian-small-businesses-lack-cyber-security-protection): Online survey finds almost half of small businesses lack necessary cybersecurity defences to repel a cyber-attack. - [Three Ways You Can Expand Your Beauty Business During COVID-19](https://www.zensurance.com/blog/three-ways-you-can-expand-your-beauty-business-during-covid19): Beauty businesses are innovating at a rapid pace. Read our 3 tips about expanding your business without added stress. - [Why Restaurant Maintenance Is More Important Than Ever Before](https://www.zensurance.com/blog/why-restaurant-maintenance-is-more-important-than-ever-before): Proper management of restaurant equipment has always been the foundation of running an efficient restaurant operation but since the pandemic hit, restaurant maintenance measures have been heightened more than ever. - [Small Business Spotlight: Meet Beatriz Zanatelli, Co-Founder of Lightouch Technologies](https://www.zensurance.com/blog/monthly-small-business-spotlight-june): Beatriz Zanatelli, Co-Founder of Lightouch Technologies shares her success story in our monthly small business spotlight. - [Five Tips for an Effective & Sustainable Transition to a Remote Business](https://www.zensurance.com/blog/five-tips-for-an-effective-sustainable-transition-to-remote-business): Transitioning your business to remote? We have compiled a list of our top 5 tips to make for an effective & sustainable transition.  - [Women in Insurance - Breaking the Cycle of Underrepresentation](https://www.zensurance.com/blog/women-in-insurance): Of the top fifteen insurance companies in Canada, only 33% of CEOs are women. Without a concentrated effort to diversify its leadership, the insurance industry risks falling behind. - [Restaurant Insurance - What You Need To Know](https://www.zensurance.com/blog/restaurant-insurance-what-you-need-to-know): Canadian restaurant owners are protecting their businesses with restaurant insurance. Learn what you need to know to get started today. - [Liability Insurance For Retailers: Holiday Edition](https://www.zensurance.com/blog/liability-insurance-retail-holiday-edition): Retailers are protecting their businesses with liability insurance in Canada. Learn what you need to know to get started today. - [Breaking Down Commercial Insurance for Contractors](https://www.zensurance.com/blog/commercial-insurance-contractors): Contractors are protecting their businesses with Commercial Insurance in Canada. Learn what kind of insurance a contractor should have. - [5 Types of Liability Insurance You Need to Protect Your Business](https://www.zensurance.com/blog/five-types-of-liability-insurance-you-need-to-protect-your-business): Learn the 5 different types of liability insurance coverages to help protect your business from unforseen accidents. - [How Small Business Insurance in Canada Could Protect You From Hackers](https://www.zensurance.com/blog/how-small-business-insurance-canada-could-protect-you-from-hackers): Learn how small business insurance can protect business owners from hackers and other cyber attacks. - [An Introduction To Small Business Insurance in Canada](https://www.zensurance.com/blog/an-introduction-to-small-business-insurance-canada): Canadian small business owners are protecting their businesses with Small Business Insurance. Learn what you need to know to get started today. - [Ontario Business Insurance for Remote Businesses](https://www.zensurance.com/blog/ontario-business-insurance-for-remote-businesses): Business insurance polcies that will allow remote business owners to run their company from anywhere in the province. Read more here. - [Toronto Business Insurance - A Business Owner’s Guide to the City](https://www.zensurance.com/blog/toronto-business-insurance-business-owners-guide-to-the-city): Toronto business owners are protecting their businesses with commercial Insurance. Learn what you need to know to get started today. - [Salon Insurance Ontario - Guidelines for Salon Owners](https://www.zensurance.com/blog/salon-insurance-ontario-guidelines-for-salon-owners): Ontario salon owners are protecting their businesses with Salon Insurance. Learn what you need to know to get started today. - [Finding The Best Spa Liability Insurance For Your Business](https://www.zensurance.com/blog/finding-the-best-spa-liability-insurance-for-your-business): Canadian spa owners are protecting their businesses with Spa Liability Insurance. Learn what you need to know to get started today. - [Commercial Liability Insurance: Three Things To Know Before You Buy](https://www.zensurance.com/blog/commercial-liability-insurance-three-things-to-know-before-you-buy): Canadian entrepreneurs are protecting their businesses with Commercial Liability Insurance. Learn what you need to know to get started today. - [The Business Owner’s Guide to Restaurant Liability Insurance](https://www.zensurance.com/blog/business-owners-guide-to-restaurant-liability-insurance): Canadian Restaurant Owners are protecting their businesses with Restaurant Liability Insurance. Learn what you need to know to get started today. - [Consultant Liability Insurance - What You Need to Know](https://www.zensurance.com/blog/consultant-what-you-need-to-know): Canadian consultants are protecting their businesses with Consultant Liability Insurance. Here's what you need to know to get started today. - [Building the Best Contractor Liability Insurance Policy for Your Business](https://www.zensurance.com/blog/building-the-best-contractor-liability-insurance-policy-for-your-business): Contractors know a strong Contractor Liability Insurance policy needs a solid foundation. Here's how contractors in Canada are protecting their businesses. - [What Kind of Insurance Should Contractors Have?](https://www.zensurance.com/blog/what-kind-of-insurance-should-contractors-have): Canadian Contractors are protecting their businesses with Contractor Insurance. Here's what you can do to get started today. - [Zensurance Named Finalist for the Versature Award for Digital Innovator of the Year in the 2019 Insurance Business Awards](https://www.zensurance.com/blog/insurance-business-awards-canada): Zensurance has been selected as a Finalist for the Versature Award for Digital Innovator of the Year in the 4​th​ annual Insurance Business Canada Awards. - [Zensurance Continues to Lead Canada’s FinTech Start-Up Revolution](https://www.zensurance.com/blog/business-insurance-company-zensurance-named-canada-top50-fintech-companies): Zensurance has been named one of the country’s Top 50 FinTech Companies of 2019 by the Digital Finance Institute. - [How Much Does Small Business Insurance Cost?](https://www.zensurance.com/blog/how-much-does-small-business-insurance-cost): If you wants to find out how much small business insurance costs, read our study on average premium prices that Canadian Business Owners pay in Canada - [Business Insurance Company Zensurance Expands to a Ninth Canadian Province](https://www.zensurance.com/blog/business-insurance-company-zensurance-expands-to-a-ninth-canadian-province): After 3 years of diligently building the most advanced business insurance platform in Canada, Zensurance received all the necessary regulatory approvals to operate in 9 Canadian provinces. - [Four examples of how business insurance saved a startup](https://www.zensurance.com/blog/four-examples-of-how-business-insurance-saved-a-startup-2): Zensurance lists 4 common examples of how business insurance saved a startup. - [Errors & Omissions (E&O) - Claims Examples](https://www.zensurance.com/blog/errors-and-omissions-insurance-common-scenarios): Errors & Omissions Claims Examples - Learn how an E&O insurance policy can protect your business from these common scenarios. - [What Does General Liability Insurance Mean For a Restaurant Owner](https://www.zensurance.com/blog/what-does-general-liability-insurance-mean-for-a-restaurant-owner): If you’re a restaurant owner, learn what general liability insurance means for your business. - [Why Do Hackers Target Smaller Businesses?](https://www.zensurance.com/blog/why-hackers-target-smaller-businesses): Small businesses represent easy targets and can offer fantastic rewards for hackers. Read on to learn how to protect your business. - [Making Your Contractor Insurance Work With Subcontractors](https://www.zensurance.com/blog/making-your-contractor-insurance-work-with-subcontractors): If not properly insured, a subcontractor can be a significant liability for your contracting business. Read the checklist! - [Getting The Most Out Of Your Small Business Insurance Broker](https://www.zensurance.com/blog/five-ways-to-get-the-most-out-of-your-small-business-insurance-broker): Your small business insurance broker should be helping you manage your risks, not simply getting you an insurance policy. - [4 Critical Steps to Reducing Your Business Cybersecurity Risk](https://www.zensurance.com/blog/4-steps-reducing-business-cybersecurity-risk): Zensurance helps small business owners reduce their risks, and in particular cybersecurity risk. Read on for 5 tips on how to reduce your cybersecurity risk - [How To Keep Your Business Safe As You Digitize It](https://www.zensurance.com/blog/keeping-your-business-safe-as-you-digitize-it): As a business evolveds digitally, come unknown risks that their traditional business insurance policy may not cover. Learn more! ## FAQs - [Does general liability insurance cover lawsuits launched by an unhappy customer?](https://www.zensurance.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 - [Does a home-based travel agent need liability insurance?](https://www.zensurance.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, - [Does travel agent E&O insurance cover mistakes made on social media?](https://www.zensurance.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 - [Does Temu require sellers to have insurance?](https://www.zensurance.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 - [Are there specific insurance requirements for selling certain products on Temu?](https://www.zensurance.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 - [What are the appropriate coverage limits for my business’s policy?](https://www.zensurance.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 - [Will commercial auto insurance cover me if my tools are stolen from my business vehicle?](https://www.zensurance.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 - [Is a pickup truck considered a commercial vehicle?](https://www.zensurance.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 - [If I use my personal vehicle for business purposes and get into a collision, will my personal auto policy cover me?](https://www.zensurance.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 - [How is the grant prize winner selected?](https://www.zensurance.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 - [What is classified as a Canadian small business?](https://www.zensurance.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 - [Do I need to be a customer?](https://www.zensurance.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 - [Are my tenants’ personal belongings covered by an owner’s apartment building insurance policy?](https://www.zensurance.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. - [Does apartment building insurance cover damages caused by a natural disaster?](https://www.zensurance.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 - [How can I keep the premium for an apartment building insurance policy as low as possible?](https://www.zensurance.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 - [How can I get a certificate of insurance to prove I’m insured for my event?](https://www.zensurance.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 - [Does my special event insurance cover incidents that occur after the event?](https://www.zensurance.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 - [Does special event insurance cover a cancelled event?](https://www.zensurance.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 - [Does home-based business insurance cover me if I work at a client’s location?](https://www.zensurance.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 - [What is not covered by home-based business insurance?](https://www.zensurance.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 - [What types of cybercrime are typically covered by a cybercrime insurance policy?](https://www.zensurance.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 - [Does cybercrime insurance cover business interruption losses?](https://www.zensurance.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 - [How can a business keep the cost of cybercrime insurance as low as possible?](https://www.zensurance.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, - [Does a snow removal business need professional liability insurance?](https://www.zensurance.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 - [Are there specific exclusions in what a snow removal insurance policy will cover?](https://www.zensurance.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 - [How can I keep an annual snow removal insurance premium as low as possible?](https://www.zensurance.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 - [Does psychotherapist insurance include coverage for patient sessions hosted online?](https://www.zensurance.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 - [Does psychotherapist professional liability insurance cover claims or lawsuits for past incidents?](https://www.zensurance.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 - [Does commercial property insurance cover a leased or rented office space?](https://www.zensurance.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 - [Is hot dog cart liability insurance required to sell food at public events and festivals?](https://www.zensurance.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 - [Does hot dog cart insurance cover me if my cart is vandalized or stolen?](https://www.zensurance.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 - [Will hot dog cart insurance cover me if a customer sues me?](https://www.zensurance.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 - [Does condo rental insurance for landlords cover intentional damage caused by a tenant?](https://www.zensurance.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 - [Does insurance for a rental condo cover my tenants?](https://www.zensurance.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 - [Can I cancel a condo rental insurance policy if my unit is unoccupied?](https://www.zensurance.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 - [Do restaurant owners need to add ‘umbrella insurance’ to their policies?](https://www.zensurance.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 - [Does restaurant insurance cover legal expenses if I’m sued?](https://www.zensurance.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 - [What does a restaurant owner need to do if they have to file an insurance claim?](https://www.zensurance.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 - [Does landscaping insurance cover damages to a client’s property caused by landscaping mistakes or errors?](https://www.zensurance.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 - [Does my landscaping insurance policy cover their work if I hire part-time or seasonal employees?](https://www.zensurance.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 - [My company only provides lawn care and basic lawn mowing services. Do I need a landscaping insurance policy?](https://www.zensurance.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 - [Does soccer liability insurance cover auto collisions or accidents?](https://www.zensurance.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 - [What types of third-party bodily injuries to players does a soccer insurance policy cover?](https://www.zensurance.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 - [Do referees and league officials need soccer liability insurance?](https://www.zensurance.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, - [Does dog training liability insurance cover training sessions conducted in a public park or at a customer’s home?](https://www.zensurance.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 - [Does dog training liability insurance cover trainers for all types of dog breeds?](https://www.zensurance.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 - [Does dog training liability insurance cover remote or online training sessions?](https://www.zensurance.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 - [Does product liability insurance cover me if I also sell on other third-party marketplaces?](https://www.zensurance.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 - [What is the difference between liability insurance and cargo insurance for moving companies?](https://www.zensurance.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 - [Do moving companies need insurance for their storage facilities?](https://www.zensurance.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 - [Does moving company insurance cover damage caused by improper packing or handling by customers?](https://www.zensurance.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 - [Does dropshipping insurance cover products shipped to customers outside of Canada?](https://www.zensurance.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 - [Can dropshipping insurance help protect my business against customer chargebacks?](https://www.zensurance.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 - [Do I need dropshipping insurance if I already have product liability insurance?](https://www.zensurance.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 - [Does sports coach insurance cover volunteer coaches?](https://www.zensurance.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 - [Does a sports coach insurance policy cover allegations of professional misconduct?](https://www.zensurance.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 - [Why do amateur sports coaches need liability insurance?](https://www.zensurance.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, - [Can a sole proprietor or independent contractor get drywall insurance?](https://www.zensurance.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 - [What happens if a drywaller doesn’t have insurance and is sued?](https://www.zensurance.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 - [Is professional liability insurance included in drywall insurance?](https://www.zensurance.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 - [Do I need business insurance if my side hustle is only part-time?](https://www.zensurance.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 - [Does my side hustle insurance cover special events?](https://www.zensurance.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 - [Can I get insurance if my side hustle operates from home?](https://www.zensurance.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 - [Are franchisees required to purchase insurance through the franchisor's recommended provider?](https://www.zensurance.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 - [Does my franchise need umbrella liability insurance?](https://www.zensurance.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 - [Do franchisees need insurance if the franchisor provides some coverage?](https://www.zensurance.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, - [How much coverage does my pharmacy technician insurance policy require?](https://www.zensurance.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 - [Does pharmacy tech liability insurance cover all types of pharmacy practice settings?](https://www.zensurance.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, - [Are legal defence costs covered even if a claim against me is meritless or unfounded?](https://www.zensurance.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 - [Does Syzl maker liability insurance cover my legal defence costs if I’m sued?](https://www.zensurance.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 - [How much liability insurance should I buy?](https://www.zensurance.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 - [Does Syzl maker insurance also cover independent kitchen and serving staff I hire short-term?](https://www.zensurance.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 - [How can I get a certificate of insurance for an event?](https://www.zensurance.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 - [Does my event insurance policy cover incidents that occur after the event?](https://www.zensurance.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 - [Does special event insurance cover cancellations?](https://www.zensurance.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, - [What is “Minimum Retained Premium”?](https://www.zensurance.com/blog/faq-items/what-is-minimum-retained-premium): It is the minimum amount of the premium an insurance company is required to keep - [What are the fees when financing my insurance premium through Imperial PFS Canada?](https://www.zensurance.com/blog/faq-items/what-are-the-fees-when-financing-my-insurance-premium-through-imperial-pfs-canada): Finance fee: Varies based on the insurance premium Credit card fee: When financing your premium - [What happens if I miss a payment?](https://www.zensurance.com/blog/faq-items/what-happens-if-i-miss-a-payment): If you miss the original payment deadline, there will be an automatic attempt to retrieve - [Where can I find my Imperial PFS Canada login information?](https://www.zensurance.com/blog/faq-items/where-can-i-find-my-imperial-pfs-canada-login-information): Your initial login information is your Imperial PFS Canada account number and the postal code - [What if I want to make changes to my method of billing or billing date? ](https://www.zensurance.com/blog/faq-items/what-if-i-want-to-make-changes-to-my-method-of-billing-or-billing-date): Please log in to this portal to update your payment information. For details on how - [Where can I access more information about Imperial PFS Canada and my financing options or account information?](https://www.zensurance.com/blog/faq-items/where-can-i-access-more-information-about-imperial-pfs-canada-and-my-financing-options-or-account-information): Please visit the Imperial PFS Canada website here. - [Is there a downpayment required to finance my premium through IPFS?](https://www.zensurance.com/blog/faq-items/is-there-a-downpayment-required-to-finance-my-premium-through-ipfs): Yes. This payment is required when setting up your insurance coverages and depending on your - [Who is IPFS? And what part does IPFS play in the billing of my insurance policy?](https://www.zensurance.com/blog/faq-items/who-is-ipfs-and-what-part-does-ipfs-play-in-the-billing-of-my-insurance-policy): Imperial PFS Canada is our third-party partner providing Zensurance clients with monthly premium financing. A - [How do I get my receipt for my insurance premium?](https://www.zensurance.com/blog/faq-items/how-do-i-get-my-receipt-for-my-insurance-premium): Please email support@zensurance. com. We are happy to provide you with a copy. - [How can I pay for my policy?](https://www.zensurance.com/blog/faq-items/how-can-i-pay-for-my-policy): Credit card Electronic transfer Automatic banking withdrawal - [What payment options do you offer?](https://www.zensurance.com/blog/faq-items/what-payment-options-do-you-offer): An annual full payment Monthly financing through our financing partner, Imperial PFS Canada. - [What is co-insurance?](https://www.zensurance.com/blog/faq-items/what-is-co-insurance): Co-insurance, found chiefly in commercial property policies, refers to sharing financial responsibility between the policyholder - [Can I choose my own repair contractor or legal counsel?](https://www.zensurance.com/blog/faq-items/can-i-choose-my-own-repair-contractor-or-legal-counsel): Many insurance companies have a network of preferred repair shops or lawyers. However, you may - [What happens if the cost of my claim exceeds my policy limit?](https://www.zensurance.com/blog/faq-items/what-happens-if-the-cost-of-my-claim-exceeds-my-policy-limit): If the cost of a claim exceeds your policy limit, you’ll be responsible for paying - [What is a deductible?](https://www.zensurance.com/blog/faq-items/what-is-a-deductible): A deductible is the amount that you agree to pay out of pocket before your - [How will a claim affect my insurance premiums?](https://www.zensurance.com/blog/faq-items/how-will-a-claim-affect-my-insurance-premiums): Filing a claim may increase your insurance premium. The amount depends on the nature of - [What can I do if my claim is denied?](https://www.zensurance.com/blog/faq-items/what-can-i-do-if-my-claim-is-denied): If your claim is denied, the adjuster will provide you with a letter outlining the - [How long does it take a claim to be settled?](https://www.zensurance.com/blog/faq-items/how-long-does-it-take-a-claim-to-be-settled): How long a claim takes to close varies. Some claims are resolved in a few - [What information do I need to provide an adjuster in the event of a claim?](https://www.zensurance.com/blog/faq-items/what-information-do-i-need-to-provide-an-adjuster-in-the-event-of-a-claim): The adjuster assigned to your claim will be looking for all details relevant to the - [Does Zensurance assign contractors to help fix damages related to my claim?](https://www.zensurance.com/blog/faq-items/does-zensurance-assign-contractors-to-help-fix-damages-related-to-my-claim): No. As insurance brokers, we do not have direct access to contractors. In case of - [Does Zensurance send the payments for my claim?](https://www.zensurance.com/blog/faq-items/does-zensurance-send-the-payments-for-my-claim): No, payments for your claim are made directly by your insurer. Zensurance does not disburse - [Does Zensurance decide whether or not my policy’s coverage applies to a claim?](https://www.zensurance.com/blog/faq-items/does-zensurance-decide-whether-or-not-my-policys-coverage-applies-to-a-claim): Zensurance does not have the authority to make coverage decisions on your claim. That responsibility - [Does Zensurance advocate for my claim?](https://www.zensurance.com/blog/faq-items/does-zensurance-advocate-for-my-claim): Absolutely! At Zensurance, we are committed to advocating for our customers’ rights. If we notice - [Who might contact me during my claim?](https://www.zensurance.com/blog/faq-items/who-might-contact-me-during-my-claim): Multiple parties may be involved in assessing your claim and may contact you. Examples of - [I called the Zensurance emergency line and reported a claim. What happens next?](https://www.zensurance.com/blog/faq-items/i-called-the-zensurance-emergency-line-and-reported-a-claim-what-happens-next): Our after-hours emergency calls go to our partners at IPG. They will assist you and - [Does Zensurance handle my claim?](https://www.zensurance.com/blog/faq-items/does-zensurance-handle-my-claim): As insurance brokers, Zensurance is not directly responsible for handling claims. Instead, claims are typically - [I just submitted a claim. What happens next?](https://www.zensurance.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 - [Does auto detailing business insurance cover mobile car detailing?](https://www.zensurance.com/blog/faq-items/does-auto-detailing-business-insurance-cover-mobile-car-detailing): Yes, an auto detailing insurance policy can include mobile car detailing operations coverage. However, your - [Are independent contractors or employees I hire covered by my auto detailing liability insurance?](https://www.zensurance.com/blog/faq-items/are-independent-contractors-or-employees-i-hire-covered-by-my-auto-detailing-liability-insurance): It depends on the terms and conditions of your policy. Most auto detailing insurance policies - [Are there any exclusions in auto detailing liability insurance policies?](https://www.zensurance.com/blog/faq-items/are-there-any-exclusions-in-auto-detailing-liability-insurance-policies): Yes. Every insurance policy has exclusions. For example, intentional acts that cause damage to your - [Does vape shop insurance cover online sales of vaping products?](https://www.zensurance.com/blog/faq-items/does-vape-shop-insurance-cover-online-sales-of-vaping-products): It depends on the policy. Some insurance policies include coverage for online sales, but not - [Is selling e-liquids with high nicotine concentrations considered more risky to vape store owners?](https://www.zensurance.com/blog/faq-items/is-selling-e-liquids-with-high-nicotine-concentrations-considered-more-risky-to-vape-store-owners): Yes. Insurance providers consider vape juice or e-liquids with high nicotine concentrations more risky, and - [Does vape shop insurance include coverage for offering custom e-liquid mixing services?](https://www.zensurance.com/blog/faq-items/does-vape-shop-insurance-include-coverage-for-offering-custom-e-liquid-mixing-services): Yes. However, providing this service may require higher coverage limits and affect your annual premium. - [Can I save money on my annual premium by bundling different insurance coverages?](https://www.zensurance.com/blog/faq-items/can-i-save-money-on-my-annual-premium-by-bundling-different-insurance-coverages): Yes. Many insurance providers offer business owner’s policies that combine multiple coverages, such as general - [Is flood insurance included in a laundromat and dry cleaning insurance policy?](https://www.zensurance.com/blog/faq-items/is-flood-insurance-included-in-a-laundromat-and-dry-cleaning-insurance-policy): No. While water damage to your property caused by a burst pipe is covered by - [Can I change my coverage if my business expands or adds new services?](https://www.zensurance.com/blog/faq-items/can-i-change-my-coverage-if-my-business-expands-or-adds-new-services): Yes. It’s advisable to make changes and update your policy whenever your business expands or - [Why should DJs get liability insurance?](https://www.zensurance.com/blog/faq-items/why-should-djs-get-liability-insurance): Your clients want to hire a professional DJ for their wedding, party, or corporate event. - [Does Zensurance provide one-day DJ event insurance coverage?](https://www.zensurance.com/blog/faq-items/does-zensurance-provide-one-day-dj-event-insurance-coverage): No. Zensurance offers low-cost annual policies to protect disc jockeys year-round for every event or - [Can I add other parties to my DJ liability insurance policy as additional insureds?](https://www.zensurance.com/blog/faq-items/can-i-add-other-parties-to-my-dj-liability-insurance-policy-as-additional-insureds): Yes. In most cases, you can add a venue owner, event organizer, or an employee - [Does general liability insurance cover injuries to my employees?](https://www.zensurance.com/blog/faq-items/does-general-liability-insurance-cover-injuries-to-my-employees): No. General liability insurance is designed to cover injuries or property damage to third parties, - [Besides the location of my business, what other factors influence the cost of general liability insurance?](https://www.zensurance.com/blog/faq-items/besides-the-location-of-my-business-what-other-factors-influence-the-cost-of-general-liability-insurance): Beyond the location of your business, insurance providers consider several factors about your operations when - [How does my business location affect the cost of general liability insurance?](https://www.zensurance.com/blog/faq-items/how-does-my-business-location-affect-the-cost-of-general-liability-insurance): Where your business is located significantly affects the price you will pay for general liability - [Does pet grooming insurance include coverage for mobile grooming businesses?](https://www.zensurance.com/blog/faq-items/does-pet-grooming-insurance-include-coverage-for-mobile-grooming-businesses): Yes. A customized pet grooming insurance policy from Zensurance can include coverage for mobile animal - [Can I add additional insureds to my pet grooming insurance policy?](https://www.zensurance.com/blog/faq-items/can-i-add-additional-insureds-to-my-pet-grooming-insurance-policy): Yes. You can add additional insureds, such as employees, clients, landlords, or vendors, to your - [What is not covered by pet grooming insurance?](https://www.zensurance.com/blog/faq-items/what-is-not-covered-by-pet-grooming-insurance): Pet grooming business insurance may not cover certain losses, such as intentional acts, criminal activities, - [Is E&O insurance industry-specific?](https://www.zensurance.com/blog/faq-items/is-eo-insurance-industry-specific): Not necessarily. E&O insurance protects various small businesses and professionals across multiple industries, including medical, - [Can E&O insurance be combined with other coverages?](https://www.zensurance.com/blog/faq-items/can-eo-insurance-be-combined-with-other-coverages): Yes. We can combine your E&O insurance with coverages like general liability, cyber liability, and - [Can E&O insurance cover retroactive claims?](https://www.zensurance.com/blog/faq-items/can-eo-insurance-cover-retroactive-claims): If your E&O insurance policy includes retroactive coverage to cover claims arising from work you - [Can I get coverage for delivery drivers or food delivery services?](https://www.zensurance.com/blog/faq-items/can-i-get-coverage-for-delivery-drivers-or-food-delivery-services): Yes. If a delivery driver is an employee driving your vehicle, you will need commercial - [Are my employees covered if they get injured while working at my restaurant?](https://www.zensurance.com/blog/faq-items/are-my-employees-covered-if-they-get-injured-while-working-at-my-restaurant): Injuries to employees while on the job are covered by your provincial workers’ compensation insurance - [What happens if my restaurant needs to shut down for repairs or renovations temporarily?](https://www.zensurance.com/blog/faq-items/what-happens-if-my-restaurant-needs-to-shut-down-for-repairs-or-renovations-temporarily): If you have business interruption insurance as part of your policy, it may cover your - [Does my contractor insurance cover the subcontractors I hire?](https://www.zensurance.com/blog/faq-items/does-my-contractor-insurance-cover-the-subcontractors-i-hire): Your contractor insurance may cover subcontractors you hire if you include them as additional insureds - [Does contractor liability insurance cover mistakes made by a contractor?](https://www.zensurance.com/blog/faq-items/does-contractor-liability-insurance-cover-mistakes-made-by-a-contractor): Provided your contractor insurance policy includes professional liability insurance (also known as errors and omissions - [Does contractor liability insurance cover completed operations claims?](https://www.zensurance.com/blog/faq-items/does-contractor-liability-insurance-cover-completed-operations-claims): Yes. A contractor liability insurance policy can cover claims that arise after the completion of - [Can professional liability insurance cover my legal expenses if I’m sued?](https://www.zensurance.com/blog/faq-items/can-professional-liability-insurance-cover-my-legal-expenses-if-im-sued): Yes. Most professional liability policies include coverage for legal defence costs. The cost to hire - [Does a professional liability insurance policy cover work I’ve done for previous customers?](https://www.zensurance.com/blog/faq-items/does-a-professional-liability-insurance-policy-cover-work-ive-done-for-previous-customers): Some policies offer retroactive coverage, meaning they cover claims arising from work you did before - [What are coverage limits and deductibles in a professional liability insurance policy?](https://www.zensurance.com/blog/faq-items/what-are-coverage-limits-and-deductibles-in-a-professional-liability-insurance-policy): A professional liability insurance policy includes coverage limits and deductibles. Coverage limits are the maximum - [What coverage limits and deductibles does E&O insurance have?](https://www.zensurance.com/blog/faq-items/what-coverage-limits-and-deductibles-does-eo-insurance-have): Coverage limits in an E&O insurance policy refer to the maximum amount of money an - [Is E&O insurance required by law?](https://www.zensurance.com/blog/faq-items/is-eo-insurance-required-by-law): In some industries and professions, E&O insurance may be required by law or industry regulations. - [What does E&O insurance not cover?](https://www.zensurance.com/blog/faq-items/what-does-eo-insurance-not-cover): E&O insurance is not designed to cover intentional wrongdoing, criminal acts, or contractual disputes unrelated - [Does liquor liability insurance cover fines for provincial liquor law violations?](https://www.zensurance.com/blog/faq-items/does-liquor-liability-insurance-cover-fines-for-provincial-liquor-law-violations): No. Liquor liability insurance covers third-party bodily injury or property damage claims arising from selling - [Is liquor liability insurance federally mandated in Canada?](https://www.zensurance.com/blog/faq-items/is-liquor-liability-insurance-federally-mandated-in-canada): No. However, each province has laws and regulations governing the sale and serving of alcoholic - [Does a liquor liability insurance policy cover my employees’ actions?](https://www.zensurance.com/blog/faq-items/does-a-liquor-liability-insurance-policy-cover-my-employees-actions): Liquor liability insurance generally covers claims arising from the actions of customers or guests served - [If I hire a subcontractor for a job, are they covered by my locksmith insurance policy?](https://www.zensurance.com/blog/faq-items/if-i-hire-a-subcontractor-for-a-job-are-they-covered-by-my-locksmith-insurance-policy): It depends on your policy. Some policies automatically include coverage for subcontractors, while others do - [Does locksmith insurance cover completed operations or jobs?](https://www.zensurance.com/blog/faq-items/does-locksmith-insurance-cover-completed-operations-or-jobs): Yes. Locksmith insurance covers claims arising after completing a job, like a lock installation or - [Does locksmith liability insurance cover any advertising-related claims against me?](https://www.zensurance.com/blog/faq-items/does-locksmith-liability-insurance-cover-any-advertising-related-claims-against-me): Yes. A locksmith insurance policy that includes professional liability insurance can cover you for claims - [Is basketball liability insurance mandatory for basketball organizations and teams?](https://www.zensurance.com/blog/faq-items/is-basketball-liability-insurance-mandatory-for-basketball-organizations-and-teams): Whether buying basketball insurance is a legal requirement depends on the jurisdiction, league, or facility - [Are coaches and volunteers covered under basketball liability insurance?](https://www.zensurance.com/blog/faq-items/are-coaches-and-volunteers-covered-under-basketball-liability-insurance): Yes. Basketball insurance covers coaches, volunteers, and other staff members working on behalf of an - [How can basketball teams and associations reduce their liability risks and potentially lower insurance premiums?](https://www.zensurance.com/blog/faq-items/how-can-basketball-teams-and-associations-reduce-their-liability-risks-and-potentially-lower-insurance-premiums): Implementing risk management strategies can help reduce liability risks. For example, proactively maintaining facilities and - [Are there exclusions in musician liability insurance?](https://www.zensurance.com/blog/faq-items/are-there-exclusions-in-musician-liability-insurance): Yes. Exclusions are common in all liability insurance policies. Common exclusions in a musician insurance - [Are Canadian musicians who perform internationally covered by musician liability insurance?](https://www.zensurance.com/blog/faq-items/are-canadian-musicians-who-perform-internationally-covered-by-musician-liability-insurance): Yes. Some insurance policies cover musicians who perform internationally. However, the extent of coverage may - [As an independent musician, do I still need musician liability insurance if I perform in small venues or at local events?](https://www.zensurance.com/blog/faq-items/as-an-independent-musician-do-i-still-need-musician-liability-insurance-if-i-perform-in-small-venues-or-at-local-events): Yes. Indie bands and musicians who perform in small venues or at local events can - [Does commercial general liability insurance cover my performances at different venues and locations?](https://www.zensurance.com/blog/faq-items/does-commercial-general-liability-insurance-cover-my-performances-at-different-venues-and-locations): Yes. Commercial general liability insurance at various locations and venues for both single performances or - [Does commercial general liability insurance cover accidents or injuries to a performer or entertainer themselves?](https://www.zensurance.com/blog/faq-items/does-commercial-general-liability-insurance-cover-accidents-or-injuries-to-a-performer-or-entertainer-themselves): No. General liability insurance is designed to cover the cost of bodily injuries or property - [Why do performers and entertainers need professional liability insurance?](https://www.zensurance.com/blog/faq-items/why-do-performers-and-entertainers-need-professional-liability-insurance): Professional liability insurance covers performers against claims alleging errors, mistakes, or negligence in their professional - [Is artisan and crafters liability insurance required by law?](https://www.zensurance.com/blog/faq-items/is-artisan-and-crafters-liability-insurance-required-by-law): The requirement for artisan and crafters liability insurance can vary depending on your location and - [Do I need artisan and crafters liability insurance to sell my products online?](https://www.zensurance.com/blog/faq-items/do-i-need-artisan-and-crafters-liability-insurance-to-sell-my-products-online): Yes. While online platforms provide a convenient way to reach customers, you still face potential - [Can artisan and crafters liability insurance cover claims arising from past work?](https://www.zensurance.com/blog/faq-items/can-artisan-and-crafters-liability-insurance-cover-claims-arising-from-past-work): Artisan and crafters liability insurance typically covers claims that arise during the policy period. However, - [Is information technology liability insurance mandatory for IT companies?](https://www.zensurance.com/blog/faq-items/is-information-technology-liability-insurance-mandatory-for-it-companies): Information technology liability insurance requirements vary depending on your jurisdiction, industry regulations, and client contracts. - [Does information technology liability insurance cover claims arising from work performed by subcontractors?](https://www.zensurance.com/blog/faq-items/does-information-technology-liability-insurance-cover-claims-arising-from-work-performed-by-subcontractors): Coverage for subcontractors can vary depending on your policy. Some policies may automatically extend coverage - [Does information technology insurance cover retroactive liability claims?](https://www.zensurance.com/blog/faq-items/does-information-technology-insurance-cover-retroactive-liability-claims): Retroactive liability claims are typically covered under an information technology insurance policy, as long as - [Does hockey liability insurance cover me if I coach hockey outside of Canada?](https://www.zensurance.com/blog/faq-items/does-hockey-liability-insurance-cover-me-if-i-coach-hockey-outside-of-canada): The coverage provided by hockey liability insurance can vary between policies and providers. Some policies - [Can I add additional insureds to my hockey liability insurance policy?](https://www.zensurance.com/blog/faq-items/can-i-add-additional-insureds-to-my-hockey-liability-insurance-policy): Yes. Many hockey liability insurance policies allow adding other parties, including facility owners, sponsors, volunteers, - [Can hockey liability insurance help protect me against lawsuits related to concussions or head injuries suffered by a player?](https://www.zensurance.com/blog/faq-items/can-hockey-liability-insurance-help-protect-me-against-lawsuits-related-to-concussions-or-head-injuries-suffered-by-a-player): Hockey liability insurance may provide coverage for lawsuits related to concussions or head injuries, subject - [Does journalist insurance cover me for content published on social media?](https://www.zensurance.com/blog/faq-items/does-journalist-insurance-cover-me-for-content-published-on-social-media): A journalist insurance policy can generally cover content published on social media platforms, provided it - [Can journalist insurance help with legal costs if a reporter receives a cease and desist letter or lawsuit threat?](https://www.zensurance.com/blog/faq-items/can-journalist-insurance-help-with-legal-costs-if-a-reporter-receives-a-cease-and-desist-letter-or-lawsuit-threat): Yes. Journalist insurance can cover your legal costs if you receive a cease and desist - [Can insurance for journalists protect against claims of biased reporting or unfair treatment?](https://www.zensurance.com/blog/faq-items/can-insurance-for-journalists-protect-against-claims-of-biased-reporting-or-unfair-treatment): Journalist insurance typically does not cover claims related to biased reporting or subjective opinions. However, - [Does my holistic health practitioner insurance cover me for online consultations or telehealth services?](https://www.zensurance.com/blog/faq-items/does-my-holistic-health-practitioner-insurance-cover-me-for-online-consultations-or-telehealth-services): It depends on your policy’s terms and details. Some insurance providers may include coverage for - [Do I need insurance if I work as an independent contractor in someone else's holistic health practice?](https://www.zensurance.com/blog/faq-items/do-i-need-insurance-if-i-work-as-an-independent-contractor-in-someone-elses-holistic-health-practice): Yes. It is highly recommended to have insurance coverage even if you work as an - [What is the difference between medical malpractice insurance and general liability insurance for holistic health practitioners?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-medical-malpractice-insurance-and-general-liability-insurance-for-holistic-health-practitioners): Professional liability insurance, or medical malpractice insurance, covers claims related to professional negligence, errors, or - [Do I need caregiver insurance if I work for a home care agency?](https://www.zensurance.com/blog/faq-items/do-i-need-caregiver-insurance-if-i-work-for-a-home-care-agency): While some home care agencies may provide insurance for their employees, it’s important to understand - [Can caregiver insurance cover me if I provide care for family members or friends?](https://www.zensurance.com/blog/faq-items/can-caregiver-insurance-cover-me-if-i-provide-care-for-family-members-or-friends): Caregiver insurance is typically designed for professional caregivers who provide care in a formal employment - [Does caregiver insurance cover me if I work as a live-in caregiver?](https://www.zensurance.com/blog/faq-items/does-caregiver-insurance-cover-me-if-i-work-as-a-live-in-caregiver): Yes, caregiver insurance covers live-in caregivers. It extends coverage to the caregiver during their entire - [Can lifeguard and swim instructor insurance cover me for multiple locations or facilities?](https://www.zensurance.com/blog/faq-items/can-lifeguard-and-swim-instructor-insurance-cover-me-for-multiple-locations-or-facilities): Yes. Many lifeguard and swim instructor insurance policies cover you for your work at multiple - [Will my insurance cover me for teaching activities outside of water, such as classroom sessions or dry-land training?](https://www.zensurance.com/blog/faq-items/will-my-insurance-cover-me-for-teaching-activities-outside-of-water-such-as-classroom-sessions-or-dry-land-training): Lifeguard and swim instructor insurance policies typically focus on coverage for activities directly related to - [Does my employer's insurance cover me as a lifeguard or swim instructor?](https://www.zensurance.com/blog/faq-items/does-my-employers-insurance-cover-me-as-a-lifeguard-or-swim-instructor): While some employers may provide coverage for their employees, it’s common for lifeguards and swim - [Does a notary E&O insurance policy from Zensurance cover me if I provide services in more than one province?](https://www.zensurance.com/blog/faq-items/does-a-notary-eo-insurance-policy-from-zensurance-cover-me-if-i-provide-services-in-more-than-one-province): Yes. Your customized E&O insurance policy from Zensurance protects you for the services you provide - [If a client alleges a notary made a mistake, can they be sued even if there was no error?](https://www.zensurance.com/blog/faq-items/if-a-client-alleges-a-notary-made-a-mistake-can-they-be-sued-even-if-there-was-no-error): Yes. We live in a litigious society. If a notary is facing an allegation from - [Can a public notary be held personally and financially liable for their notarial services?](https://www.zensurance.com/blog/faq-items/can-a-public-notary-be-held-personally-and-financially-liable-for-their-notarial-services): Yes. A notary can be held liable for the cost of damage or loss a - [Do I need cottage rental insurance if I only rent my property occasionally?](https://www.zensurance.com/blog/faq-items/do-i-need-cottage-rental-insurance-if-i-only-rent-my-property-occasionally): Yes. Even if you only rent your property occasionally, you need cottage rental insurance. Standard - [Does cottage rental insurance cover damage caused by a guest’s pet?](https://www.zensurance.com/blog/faq-items/does-cottage-rental-insurance-cover-damage-caused-by-a-guests-pet): It depends. The coverage for damage caused by pets can vary depending on the policy - [Can I cancel my cottage rental insurance policy if I no longer rent my property?](https://www.zensurance.com/blog/faq-items/can-i-cancel-my-cottage-rental-insurance-policy-if-i-no-longer-rent-my-property): Yes. You can cancel your cottage rental insurance policy if you no longer rent your - [What type of incidents does product liability insurance for craft vendors cover?](https://www.zensurance.com/blog/faq-items/what-type-of-incidents-does-product-liability-insurance-for-craft-vendors-cover): Product liability insurance covers incidents where a customer is harmed or injured by a craft - [Do I need commercial property insurance if I only participate in craft shows seasonally?](https://www.zensurance.com/blog/faq-items/do-i-need-commercial-property-insurance-if-i-only-participate-in-craft-shows-seasonally): Yes, it’s wise to have commercial property insurance, even if you only participate in craft - [Do I need general liability insurance if I only sell low-risk products?](https://www.zensurance.com/blog/faq-items/do-i-need-general-liability-insurance-if-i-only-sell-low-risk-products): Yes, general liability insurance is essential even if you sell low-risk products. Accidents can happen - [My butchery business is a sole proprietorship. Do I need insurance?](https://www.zensurance.com/blog/faq-items/my-butchery-business-is-a-sole-proprietorship-do-i-need-insurance): Yes. Even if you have no employees and are a sole proprietor, you need business - [My butchery business is entirely online. Do I still need insurance?](https://www.zensurance.com/blog/faq-items/my-butchery-business-is-entirely-online-do-i-still-need-insurance): Yes. Even if your business isn’t operated out of a traditional storefront, you still need - [My business only sells and doesn’t prepare and process meat products. Do I still need butcher insurance?](https://www.zensurance.com/blog/faq-items/my-business-only-sells-and-doesnt-prepare-and-process-meat-products-do-i-still-need-butcher-insurance): Yes. Even if you only store and sell meat products, you can still be held - [What is the difference between occurrence-based and claims-made policies for HR consultant insurance?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-occurrence-based-and-claims-made-policies-for-hr-consultant-insurance): Occurrence-based HR consultant insurance policies provide coverage for claims arising from incidents during the policy - [Can I purchase HR consultant insurance online, or do I need to work with an insurance broker?](https://www.zensurance.com/blog/faq-items/can-i-purchase-hr-consultant-insurance-online-or-do-i-need-to-work-with-an-insurance-broker): The choice is yours. Zensurance makes it quick and easy to get a free quote - [What should I look for from an insurance brokerage when buying HR consultant insurance](https://www.zensurance.com/blog/faq-items/what-should-i-look-for-from-an-insurance-brokerage-when-buying-hr-consultant-insurance): Consider factors such as the brokerage’s financial strength and stability, its claims handling reputation, its - [Does my vending machine business need insurance?](https://www.zensurance.com/blog/faq-items/does-my-vending-machine-business-need-insurance): Yes. No small business should operate without insurance, or the implications of one accident or - [Will vending machine insurance cover me if my machines are vandalized and the products and money are stolen?](https://www.zensurance.com/blog/faq-items/will-vending-machine-insurance-cover-me-if-my-machines-are-vandalized-and-the-products-and-money-are-stolen): Yes. A vending machine insurance policy that includes commercial property coverage is designed to pay - [How do I reduce my vending machine business’s risks?](https://www.zensurance.com/blog/faq-items/how-do-i-reduce-my-vending-machine-businesss-risks): Other than purchasing a customized vending machine insurance policy from Zensurance to protect your assets - [Why does an outdoor guide or outfitter need liability insurance?](https://www.zensurance.com/blog/faq-items/why-does-an-outdoor-guide-or-outfitter-need-liability-insurance): Think of all the things that could possibly go wrong while out in the wilderness - [Does Zensurance provide outdoor guides and outfitters with liability protection across Canada?](https://www.zensurance.com/blog/faq-items/does-zensurance-provide-outdoor-guides-and-outfitters-with-liability-protection-across-canada): We can help professional outdoor guides and outfitters get the protection they need in all - [How will I receive an outdoor guide and outfitters insurance policy after purchasing it from Zensurance?](https://www.zensurance.com/blog/faq-items/how-will-i-receive-an-outdoor-guide-and-outfitters-insurance-policy-after-purchasing-it-from-zensurance): Upon paying the premium for your policy, you will receive an email from us with - [Do I need to ask my guests to buy a renters’ or tenants’ insurance policy while staying at my VRBO rental property?](https://www.zensurance.com/blog/faq-items/do-i-need-to-ask-my-guests-to-buy-a-renters-or-tenants-insurance-policy-while-staying-at-my-vrbo-rental-property): Not necessarily. It’s your call if you ask guests to carry a personal renters’ or - [Do VRBO hosts need landlord insurance?](https://www.zensurance.com/blog/faq-items/do-vrbo-hosts-need-landlord-insurance): No. Landlord insurance is designed for property owners who rent or lease a home, condo, - [How does Zensurance help if I file a claim for damage or loss?](https://www.zensurance.com/blog/faq-items/how-does-zensurance-help-if-i-file-a-claim-for-damage-or-loss): Zensurance has a dedicated team available 24/7 to help you file a claim with your - [Should I get bed and breakfast insurance if I operate it out of my house?](https://www.zensurance.com/blog/faq-items/should-i-get-bed-and-breakfast-insurance-if-i-operate-it-out-of-my-house): Yes. Even if you only rent one bedroom out to a guest every once in - [My bed and breakfast business is seasonal. Do I need insurance if my business is only open for a couple of months?](https://www.zensurance.com/blog/faq-items/my-bed-and-breakfast-business-is-seasonal-do-i-need-insurance-if-my-business-is-only-open-for-a-couple-of-months): Yes. No matter how much time in the calendar year you operate a B&B business, - [I run an Airbnb out of a property I own. Do I need an insurance policy?](https://www.zensurance.com/blog/faq-items/i-run-an-airbnb-out-of-a-property-i-own-do-i-need-an-insurance-policy): Yes. Even if you use an online service like Airbnb, you should have a comprehensive - [I’m considering buying a bed and breakfast. When do I need insurance?](https://www.zensurance.com/blog/faq-items/im-considering-buying-a-bed-and-breakfast-when-do-i-need-insurance): As soon as possible. Protecting your property and information is important, even before your first - [Is an independent marketing consultant required to purchase a business insurance policy?](https://www.zensurance.com/blog/faq-items/is-an-independent-marketing-consultant-required-to-purchase-a-business-insurance-policy): Although it’s not a legal requirement to carry insurance, it is strongly recommended for a - [A client I’m working for has an insurance policy. Do I need to purchase insurance for myself?](https://www.zensurance.com/blog/faq-items/a-client-im-working-for-has-an-insurance-policy-do-i-need-to-purchase-insurance-for-myself): Yes. Your client or agency’s insurance may not cover any liabilities you face, or their - [If a client sues me because the marketing plan I designed and implemented for them fails to achieve the desired results, will insurance cover me?](https://www.zensurance.com/blog/faq-items/if-a-client-sues-me-because-the-marketing-plan-i-designed-and-implemented-for-them-fails-to-achieve-the-desired-results-will-insurance-cover-me): Yes. A marketing consultant insurance policy includes professional liability coverage. It is designed to shield - [What are the different types of cargo insurance?](https://www.zensurance.com/blog/faq-items/what-are-the-different-types-of-cargo-insurance): There are three main kinds of cargo insurance: open cargo insurance, specific or single cargo - [Do I still need cargo insurance if the courier or shipping company offers it?](https://www.zensurance.com/blog/faq-items/do-i-still-need-cargo-insurance-if-the-courier-or-shipping-company-offers-it): Yes. It is advisable to have a cargo insurance policy even if the courier or - [What does ‘general average’ mean when shipping products?](https://www.zensurance.com/blog/faq-items/what-does-general-average-mean-when-shipping-products): The general average is an internationally recognized maritime law that states all parties share the - [My conveyorized tunnel car wash uses a lot of different chemicals and detergents to get customers’ vehicles clean. Will my policy cover me for the types of chemicals I need to use?](https://www.zensurance.com/blog/faq-items/my-conveyorized-tunnel-car-wash-uses-a-lot-of-different-chemicals-and-detergents-to-get-customers-vehicles-clean-will-my-policy-cover-me-for-the-types-of-chemicals-i-need-to-use): If the exterior of a customer’s vehicle is damaged by the detergents or chemicals your - [In the wintertime, the combination of frigid temperatures, water, and electricity can wreak havoc on car washing equipment. Will my policy cover me if my equipment ceases to work and needs repair because of frozen components?](https://www.zensurance.com/blog/faq-items/in-the-wintertime-the-combination-of-frigid-temperatures-water-and-electricity-can-wreak-havoc-on-car-washing-equipment-will-my-policy-cover-me-if-my-equipment-ceases-to-work-and-needs-repair-beca): If you have equipment breakdown insurance as part of your policy, and your car wash - [I have a lot of employee turnover at my car wash. Will my car wash insurance policy cover me for internal theft of money or inventory?](https://www.zensurance.com/blog/faq-items/i-have-a-lot-of-employee-turnover-at-my-car-wash-will-my-car-wash-insurance-policy-cover-me-for-internal-theft-of-money-or-inventory): You need to include commercial crime insurance to your policy to be covered for internal - [Does my pet sitter insurance policy cover me for any injuries sustained by the pet?](https://www.zensurance.com/blog/faq-items/does-my-pet-sitter-insurance-policy-cover-me-for-any-injuries-sustained-by-the-pet): Yes, with many commercial liability insurance policies, you can be covered for damage to a - [Do I still need pet sitting insurance if it’s only my side hustle?](https://www.zensurance.com/blog/faq-items/do-i-still-need-pet-sitting-insurance-if-its-only-my-side-hustle): Yes, accidents can happen to any sized business. Animals are highly unpredictable, and you can - [Can my home insurance cover the pets that are in my care?](https://www.zensurance.com/blog/faq-items/can-my-home-insurance-cover-the-pets-that-are-in-my-care): No. Your home insurance won’t cover any business-related activities, including animals left in your care - [Most of the clients I work for have business insurance. Do I still need a virtual assistant insurance policy?](https://www.zensurance.com/blog/faq-items/most-of-the-clients-i-work-for-have-business-insurance-do-i-still-need-a-virtual-assistant-insurance-policy): Yes. Your clients’ insurance policies may not include protection for you and your services, and - [If a client alleges I made a mistake that caused them to lose money, hurt their reputation, and threaten to sue, will virtual assistant insurance help protect me?](https://www.zensurance.com/blog/faq-items/if-a-client-alleges-i-made-a-mistake-that-caused-them-to-lose-money-hurt-their-reputation-and-threaten-to-sue-will-virtual-assistant-insurance-help-protect-me): Yes. Your policy’s errors and omissions (E&O) insurance portion is designed to cover you for - [Will virtual assistant insurance cover my costs if my laptop containing access to a client's sensitive information is stolen from my home?](https://www.zensurance.com/blog/faq-items/will-virtual-assistant-insurance-cover-my-costs-if-my-laptop-containing-access-to-a-clients-sensitive-information-is-stolen-from-my-home): Provided you have commercial property coverage as part of your policy, your insurance provider may - [Do my tenants need renters’ insurance?](https://www.zensurance.com/blog/faq-items/do-my-tenants-need-renters-insurance): Although it’s not a legal requirement for your tenants to have renters’ or tenants’ insurance, - [What’s the difference between home insurance and landlord insurance?](https://www.zensurance.com/blog/faq-items/whats-the-difference-between-home-insurance-and-landlord-insurance): A home insurance policy is designed to protect a private homeowner’s primary residence and personal - [Should concrete contractors have business interruption insurance?](https://www.zensurance.com/blog/faq-items/should-concrete-contractors-have-business-interruption-insurance): Yes. Our insurance providers’ commercial property insurance policies often include business interruption coverage to pay - [Am I legally obligated to carry a concrete contractor insurance policy?](https://www.zensurance.com/blog/faq-items/am-i-legally-obligated-to-carry-a-concrete-contractor-insurance-policy): In most provinces and municipalities, you must have at least general liability insurance. Check with - [Should I consider adding other types of insurance to my concrete contractor policy?](https://www.zensurance.com/blog/faq-items/should-i-consider-adding-other-types-of-insurance-to-my-concrete-contractor-policy): What your coverage needs are depends on a variety of factors, including what type of - [What is commercial auto insurance?](https://www.zensurance.com/blog/faq-items/what-is-commercial-auto-insurance): Also called business car or auto insurance, commercial auto insurance covers the cost of your - [What does a commercial auto policy cover?](https://www.zensurance.com/blog/faq-items/what-does-a-commercial-auto-policy-cover): A standard or basic commercial auto insurance policy consists of four mandatory coverages. They are: - [How much does commercial auto insurance cost?](https://www.zensurance.com/blog/faq-items/how-much-does-commercial-auto-insurance-cost): What your commercial auto policy costs depends on a variety of factors insurance providers consider, - [What's the difference between commercial auto and fleet insurance?](https://www.zensurance.com/blog/faq-items/whats-the-difference-between-commercial-auto-and-fleet-insurance): Commercial auto insurance is designed to protect one vehicle. A commercial fleet insurance policy covers - [If my business requires travel outside of Barrie, will my insurance cover it?](https://www.zensurance.com/blog/faq-items/if-my-business-requires-travel-outside-of-barrie-will-my-insurance-cover-it): Yes. Your business insurance policy from Zensurance protects you online and offline whether you’re working - [Do you have a local office in Barrie?](https://www.zensurance.com/blog/faq-items/do-you-have-a-local-office-in-barrie): Zensurance is a fully digital small business insurance brokerage, everything from quote to purchase is - [How much coverage do I need for my business in Barrie?](https://www.zensurance.com/blog/faq-items/how-much-coverage-do-i-need-for-my-business-in-barrie): The insurance policy you purchase contains various coverage limits based on your business’s or profession’s - [My warehouse property has a railroad sidetrack. Does a warehouse insurance policy cover it?](https://www.zensurance.com/blog/faq-items/my-warehouse-property-has-a-railroad-sidetrack-does-a-warehouse-insurance-policy-cover-it): You may need to add additional coverage known as railroad protective liability insurance. Speak to - [What coverage limits should my warehouse insurance policy have?](https://www.zensurance.com/blog/faq-items/what-coverage-limits-should-my-warehouse-insurance-policy-have): Different insurance coverages may provide various amounts of coverage limits. Most warehouse businesses will purchase - [What additional coverages are available to enhance a warehouse insurance policy?](https://www.zensurance.com/blog/faq-items/what-additional-coverages-are-available-to-enhance-a-warehouse-insurance-policy): Depending on your business, you may want to include warehouse operators’ legal liability insurance to - [If I have student interns or apprentices working for my business, will employers’ liability insurance provide coverage for them?](https://www.zensurance.com/blog/faq-items/if-i-have-student-interns-or-apprentices-working-for-my-business-will-employers-liability-insurance-provide-coverage-for-them): Yes. An employers’ liability insurance policy extends protection to temporary and part-time employees, student interns, - [How frequent are work-related injuries in Canada?](https://www.zensurance.com/blog/faq-items/how-frequent-are-work-related-injuries-in-canada): According to data from the Association of Workers’ Compensation Boards of Canada, there were 924 - [What other kinds of business insurance do I need?](https://www.zensurance.com/blog/faq-items/what-other-kinds-of-business-insurance-do-i-need): The insurance coverage your business needs depends on the industry you’re in and the type - [I own a dog kennel. One of my customers’ dogs fell ill and died while in my care. Will my policy cover me if the dog owner sues me?](https://www.zensurance.com/blog/faq-items/i-own-a-dog-kennel-one-of-my-customers-dogs-fell-ill-and-died-while-in-my-care-will-my-policy-cover-me-if-the-dog-owner-sues-me): Yes. Your pet services insurance policy’s professional liability coverage is designed to cover your legal - [Does a pet services insurance policy cover me if an organic cat food I sell to a customer causes their feline to become sick?](https://www.zensurance.com/blog/faq-items/does-a-pet-services-insurance-policy-cover-me-if-an-organic-cat-food-i-sell-to-a-customer-causes-their-feline-to-become-sick): If you have product liability insurance as part of your overall policy, you are covered - [If a dog I am training for a client unexpectedly bites someone, will my policy cover me if I’m sued?](https://www.zensurance.com/blog/faq-items/if-a-dog-i-am-training-for-a-client-unexpectedly-bites-someone-will-my-policy-cover-me-if-im-sued): Yes. Your pet services insurance policy includes general liability coverage, which pays for third-party personal - [Grey water that sprayed out from a faucet I was replacing at a residential property damaged my customer’s floor. Will my policy cover me?](https://www.zensurance.com/blog/faq-items/grey-water-that-sprayed-out-from-a-faucet-i-was-replacing-at-a-residential-property-damaged-my-customers-floor-will-my-policy-cover-me): Yes. Your plumber insurance policy includes general liability insurance, which covers costs associated with third-party - [What coverage limit does a plumbing insurance policy provide?](https://www.zensurance.com/blog/faq-items/what-coverage-limit-does-a-plumbing-insurance-policy-provide): You can choose the coverage limits and deductibles for your plumbing insurance policy. Many plumbers - [Will insurance apply to those who facilitate group support meetings, drug rehab services, or other community based programs?](https://www.zensurance.com/blog/faq-items/will-insurance-apply-to-those-who-facilitate-group-support-meetings-drug-rehab-services-or-other-community-based-programs): Yes. Liability insurance can protect any person who facilitates the healing of anyone who is - [Does mental health counsellor insurance apply to professionals who use alternative or holistic treatment plans?](https://www.zensurance.com/blog/faq-items/does-mental-health-counsellor-insurance-apply-to-professionals-who-use-alternative-or-holistic-treatment-plans): Yes. As long as you are someone who assists with the mental wellbeing of others, - [Does mental health liability insurance cover practices that operate solely online?](https://www.zensurance.com/blog/faq-items/does-mental-health-liability-insurance-cover-practices-that-operate-solely-online): Yes. Your insurance coverage will protect you even if your business is completely online. - [Do I need additional coverage if I provide delivery services?](https://www.zensurance.com/blog/faq-items/do-i-need-additional-coverage-if-i-provide-delivery-services): Yes, if you’re using a vehicle for business, you’ll need a commercial auto insurance policy. - [Do I need insurance if I’m a part of a franchise?](https://www.zensurance.com/blog/faq-items/do-i-need-insurance-if-im-a-part-of-a-franchise): Generally speaking, yes. Franchises often require a franchisee to get an insurance policy that protects - [If I own multiple convenience stores across Canada, will my policy cover all locations?](https://www.zensurance.com/blog/faq-items/if-i-own-multiple-convenience-stores-across-canada-will-my-policy-cover-all-locations): Yes, you can be covered for all locations that are a part of your business. - [How can I keep a media liability insurance policy premium as low as possible?](https://www.zensurance.com/blog/faq-items/how-can-i-keep-a-media-liability-insurance-policy-premium-as-low-as-possible): By implementing risk management best practices across your organization. For example, if your company uses - [Do I need professional liability and commercial general liability insurance to protect my business from allegations or legal challenges related to the content we distribute?](https://www.zensurance.com/blog/faq-items/do-i-need-professional-liability-and-commercial-general-liability-insurance-to-protect-my-business-from-allegations-or-legal-challenges-related-to-the-content-we-distribute): It is recommended to have both professional liability and commercial general liability insurance as part - [Does a media liability insurance policy cover my business for all available and future digital communications avenues?](https://www.zensurance.com/blog/faq-items/does-a-media-liability-insurance-policy-cover-my-business-for-all-available-and-future-digital-communications-avenues): Yes. A media liability insurance policy acquired through Zensurance covers your marketing, advertising, and other - [Does business interruption insurance include coverage for decontaminating my facility’s food processing machinery if impacted by smoke damage following a fire?](https://www.zensurance.com/blog/faq-items/does-business-interruption-insurance-include-coverage-for-decontaminating-my-facilitys-food-processing-machinery-if-impacted-by-smoke-damage-following-a-fire): Yes. Following an insurable loss such as a fire, if your facility is forced to - [Does a food and beverage manufacturing insurance policy include coverage for the products I ship to my clients?](https://www.zensurance.com/blog/faq-items/does-a-food-and-beverage-manufacturing-insurance-policy-include-coverage-for-the-products-i-ship-to-my-clients): Depending on your specific needs, you may need to include cargo insurance (also called transit - [What are the primary risks food and beverage manufacturers face?](https://www.zensurance.com/blog/faq-items/what-are-the-primary-risks-food-and-beverage-manufacturers-face): Among the most significant risks facing food and beverage producers and manufacturers is product spoilage - [If I operate a food truck, do I still need insurance?](https://www.zensurance.com/blog/faq-items/if-i-operate-a-food-truck-do-i-still-need-insurance): Yes. Personal chefs that work in any venue need insurance. Even if you travel to - [Does my chef insurance cover independent kitchen or serving staff I hire?](https://www.zensurance.com/blog/faq-items/does-my-chef-insurance-cover-independent-kitchen-or-serving-staff-i-hire): No. Your policy will only cover you and your full-time employees. Any independent kitchen staff - [How much personal chef insurance should I buy?](https://www.zensurance.com/blog/faq-items/how-much-personal-chef-insurance-should-i-buy): The amount of coverage a personal chef needs depends on your risk exposure and other - [Do artists who don’t have a studio need insurance?](https://www.zensurance.com/blog/faq-items/do-artists-who-dont-have-a-studio-need-insurance): Yes. Artists who create in any venue need insurance, whether that is in a studio, - [Does artist insurance cover my work if I only sell online?](https://www.zensurance.com/blog/faq-items/does-artist-insurance-cover-my-work-if-i-only-sell-online): Yes. Your artist insurance will protect you and your assets even if you mainly operate - [Will my artist insurance cover for exhibitions?](https://www.zensurance.com/blog/faq-items/will-my-artist-insurance-cover-for-exhibitions): Yes. Artist insurance can protect you from claims of third-party injury or property damages during - [Are my employees who work at a trade show for my small business covered at the event?](https://www.zensurance.com/blog/faq-items/are-my-employees-who-work-at-a-trade-show-for-my-small-business-covered-at-the-event): Yes. Employees who attend a trade show or convention with you can be added as - [What types of coverage are excluded from a trade show exhibitor insurance policy?](https://www.zensurance.com/blog/faq-items/what-types-of-coverage-are-excluded-from-a-trade-show-exhibitor-insurance-policy): The exclusions of your policy depends on its coverage details and the insurance provider you - [Can I get short-term coverage to exhibit at one trade show?](https://www.zensurance.com/blog/faq-items/can-i-get-short-term-coverage-to-exhibit-at-one-trade-show): Zensurance only provides annual policies. Purchasing an annual policy to cover any number of trade - [I provide my services online. Can Zensurance provide me with the insurance coverage I need?](https://www.zensurance.com/blog/faq-items/i-provide-my-services-online-can-zensurance-provide-me-with-the-insurance-coverage-i-need): Yes. As a technology company and online insurance brokerage, we understand where you’re coming from - [Can Zensurance insure other services I provide?](https://www.zensurance.com/blog/faq-items/can-zensurance-insure-other-services-i-provide): Yes. If you have other healthcare designations, we can typically accommodate them in a single - [Will my association or college accept my coverage from Zensurance?](https://www.zensurance.com/blog/faq-items/will-my-association-or-college-accept-my-coverage-from-zensurance): We can review any third-party insurance requirements your association or college has to ensure that - [Do mobile tanning services, such as mobile sunless tanning services, need insurance?](https://www.zensurance.com/blog/faq-items/do-mobile-tanning-services-such-as-mobile-sunless-tanning-services-need-insurance): Yes. Tanning business insurance is not just for those who work in salons, gyms, or - [Does tanning business insurance cover independent beauticians working in my salon?](https://www.zensurance.com/blog/faq-items/does-tanning-business-insurance-cover-independent-beauticians-working-in-my-salon): No. Your policy is designed to cover you and your full-time employees. Any independent beauticians - [How much tanning business insurance should I buy?](https://www.zensurance.com/blog/faq-items/how-much-tanning-business-insurance-should-i-buy): Figuring out what coverage limits you need for your policy depends on many factors, including - [My telehealth company is developing a mobile app for patients to download to their devices to book and attend appointments. Does a telehealth insurance policy cover how the app functions and performs?](https://www.zensurance.com/blog/faq-items/my-telehealth-company-is-developing-a-mobile-app-for-patients-to-download-to-their-devices-to-book-and-attend-appointments-does-a-telehealth-insurance-policy-cover-how-the-app-functions-and-performs): Yes. Professional liability insurance includes coverage for your organization’s mobile app if it fails to - [Will a telehealth insurance policy cover me for technology-related errors that occur such as a website malfunction that results in a patient overpaying for a prescription?](https://www.zensurance.com/blog/faq-items/will-a-telehealth-insurance-policy-cover-me-for-technology-related-errors-that-occur-such-as-a-website-malfunction-that-results-in-a-patient-overpaying-for-a-prescription): Yes. A telehealth insurance policy includes professional liability coverage (aka malpractice insurance). It covers mistakes, - [Do I need an occurrence-based or claims-based nurse malpractice policy?](https://www.zensurance.com/blog/faq-items/do-i-need-an-occurrence-based-or-claims-based-nurse-malpractice-policy): Zensurance offers claims-based policies that will consider and keep your retroactive date that you maintained - [Does my nurse malpractice insurance policy cover me if I’m charged with a criminal offence?](https://www.zensurance.com/blog/faq-items/does-my-nurse-malpractice-insurance-policy-cover-me-if-im-charged-with-a-criminal-offence): No. A medical malpractice insurance policy does not include coverage for legal expenses if you - [I am a nurse and I offer some services outside of the scope of nursing, such as microblading. Do I need malpractice insurance?](https://www.zensurance.com/blog/faq-items/i-am-a-nurse-and-i-offer-some-services-outside-of-the-scope-of-nursing-such-as-microblading-do-i-need-malpractice-insurance): Yes. If you are providing beauty-related services outside of the nursing profession, you should still - [Does my food truck insurance policy cover me if I want to sell alcohol?](https://www.zensurance.com/blog/faq-items/does-my-food-truck-insurance-policy-cover-me-if-i-want-to-sell-alcohol): If you intend to sell alcoholic beverages from your food truck, you need to include - [If one of my customers sues me claiming they suffered food poisoning after eating food they purchased from my food truck, am I covered?](https://www.zensurance.com/blog/faq-items/if-one-of-my-customers-sues-me-claiming-they-suffered-food-poisoning-after-eating-food-they-purchased-from-my-food-truck-am-i-covered): Yes. The product liability portion of your food truck insurance policy covers you for claims - [Does a food truck insurance policy cover both my vehicle and its contents?](https://www.zensurance.com/blog/faq-items/does-a-food-truck-insurance-policy-cover-both-my-vehicle-and-its-contents): It depends on the coverages you choose to include in your food truck insurance policy. - [What types of surfaces can a pressure washer damage?](https://www.zensurance.com/blog/faq-items/what-types-of-surfaces-can-a-pressure-washer-damage): A pressure or power washing machine is capable of damaging almost any surface you can - [Will my pressure washing insurance policy cover my employees if they are injured?](https://www.zensurance.com/blog/faq-items/will-my-pressure-washing-insurance-policy-cover-my-employees-if-they-are-injured): No. Your pressure washing insurance policy is designed to cover third-party personal injuries and property - [Can I get a temporary, one-day policy to cover me for a pressure washing job?](https://www.zensurance.com/blog/faq-items/can-i-get-a-temporary-one-day-policy-to-cover-me-for-a-pressure-washing-job): Zensurance provides annual policies. Purchasing an annual pressure washing policy provides you with coverage for - [Do I need special coverage for conducting personal training sessions online?](https://www.zensurance.com/blog/faq-items/do-i-need-special-coverage-for-conducting-personal-training-sessions-online): Fitness instructors and personal trainers who teach classes online should get a professional liability insurance - [Does it cost more to insure a gym or fitness centre that’s open 24 hours a day?](https://www.zensurance.com/blog/faq-items/does-it-cost-more-to-insure-a-gym-or-fitness-centre-thats-open-24-hours-a-day): The cost of a gym or fitness centre insurance policy varies by insurance provider and - [I only teach martial arts part-time. Do I really need an insurance policy?](https://www.zensurance.com/blog/faq-items/i-only-teach-martial-arts-part-time-do-i-really-need-an-insurance-policy): Yes, you do. Although it is a part-time job, you are still exposed to the - [If the studio space I rent is broken into and vandalized, will my policy cover the cost to repair the damages?](https://www.zensurance.com/blog/faq-items/if-the-studio-space-i-rent-is-broken-into-and-vandalized-will-my-policy-cover-the-cost-to-repair-the-damages): Yes. The commercial property portion of your martial arts insurance policy is designed to cover - [Am I covered if one of my students injures another student during a training session in my studio?](https://www.zensurance.com/blog/faq-items/am-i-covered-if-one-of-my-students-injures-another-student-during-a-training-session-in-my-studio): Yes. Your martial arts insurance policy includes commercial general liability and professional liability coverages. Combined, - [Who could sue a publicly traded company and why?](https://www.zensurance.com/blog/faq-items/who-could-sue-a-publicly-traded-company-and-why): Employees and potential employees, donors, governments, stakeholders and shareholders, volunteers, and creditors could all take - [Who are the insureds in a management liability insurance policy?](https://www.zensurance.com/blog/faq-items/who-are-the-insureds-in-a-management-liability-insurance-policy): The insureds or the individuals who are insured by a management liability insurance policy, includes - [What type of claims are made against non-profit organizations?](https://www.zensurance.com/blog/faq-items/what-type-of-claims-are-made-against-nonprofit-organizations): Non-profit organizations may face a wide range of claims or allegations, including employment-related disputes, legal - [If I manufacture clothing, do I need additional coverage?](https://www.zensurance.com/blog/faq-items/if-i-manufacture-clothing-do-i-need-additional-coverage): Depending on how you manufacture clothing, you may also need equipment breakdown coverage. It can - [Will my clothing shop insurance cover products sold online?](https://www.zensurance.com/blog/faq-items/will-my-clothing-shop-insurance-cover-products-sold-online): If you sell your clothes online or have an e-commerce store in addition to your - [Will my hospitality insurance policy cover me if one of my employees falls for a phishing attack via email?](https://www.zensurance.com/blog/faq-items/will-my-hospitality-insurance-policy-cover-me-if-one-of-my-employees-falls-for-a-phishing-attack-via-email): Provided you have cyber liability protection as part of your overall policy it will. You - [Will a commercial auto policy cover me if my business’s cargo van is damaged in a collision?](https://www.zensurance.com/blog/faq-items/will-a-commercial-auto-policy-cover-me-if-my-businesss-cargo-van-is-damaged-in-a-collision): If you include optional collision or upset coverage as part of a basic commercial auto - [What coverage limit is best for commercial general liability coverage?](https://www.zensurance.com/blog/faq-items/what-coverage-limit-is-best-for-commercial-general-liability-coverage): The amount of coverage you require for your policy depends upon what your business does - [Is cyber liability insurance included in medical malpractice coverage?](https://www.zensurance.com/blog/faq-items/is-cyber-liability-insurance-included-in-medical-malpractice-coverage): No. Cyber liability insurance is a standalone product that can be included in your overall - [I am employed at a long-term care facility for seniors. Do I need to buy insurance?](https://www.zensurance.com/blog/faq-items/i-am-employed-at-a-long-term-care-facility-for-seniors-do-i-need-to-buy-insurance): Yes. Even though your employer carries insurance, chances are you’re on your own if you - [Does a personal support worker insurance policy include coverage for abuse allegations?](https://www.zensurance.com/blog/faq-items/does-a-personal-support-worker-insurance-policy-include-coverage-for-abuse-allegations): Not necessarily. A personal support worker insurance policy that includes medical malpractice coverage doesn’t usually - [Does a software developer insurance policy include protection for my computing systems and related technology hardware?](https://www.zensurance.com/blog/faq-items/does-a-software-developer-insurance-policy-include-protection-for-my-computing-systems-and-related-technology-hardware): If your policy includes commercial property coverage, your computers and other business contents are covered - [What is the right coverage limit for my software developer insurance policy?](https://www.zensurance.com/blog/faq-items/what-is-the-right-coverage-limit-for-my-software-developer-insurance-policy): It depends. Whether you’re a self-employed or independent software developer who has many clients, an - [I work for a technology company. Why do I need my own software developer insurance policy?](https://www.zensurance.com/blog/faq-items/i-work-for-a-technology-company-why-do-i-need-my-own-software-developer-insurance-policy): All software developers and technology professionals should safeguard their livelihoods by purchasing insurance. Although you - [Does a farmers’ market insurance policy cover me for selling at markets outside of Canada?](https://www.zensurance.com/blog/faq-items/does-a-farmers-market-insurance-policy-cover-me-for-selling-at-markets-outside-of-canada): No. A farmers’ market insurance policy from Zensurance only covers you for selling goods at - [How much is the deductible on a farmers’ market insurance policy?](https://www.zensurance.com/blog/faq-items/how-much-is-the-deductible-on-a-farmers-market-insurance-policy): If you file a claim related to your commercial general liability coverage, there is no - [Does a farmers’ market insurance policy cover me for one event or multiple events throughout the year?](https://www.zensurance.com/blog/faq-items/does-a-farmers-market-insurance-policy-cover-me-for-one-event-or-multiple-events-throughout-the-year): An annual policy will provide you with protection for 12 months at however many farmers’ - [Will my janitorial insurance policy cover me if I accidentally lose the keys to a client’s building?](https://www.zensurance.com/blog/faq-items/will-my-janitorial-insurance-policy-cover-me-if-i-accidentally-lose-the-keys-to-a-clients-building): Yes. Losing the keys to a client’s commercial space or home can be frustrating, but - [Does a janitorial insurance policy cover me if I provide residential and commercial cleaning services?](https://www.zensurance.com/blog/faq-items/does-a-janitorial-insurance-policy-cover-me-if-i-provide-residential-and-commercial-cleaning-services): Yes. A janitorial insurance policy will cover you for both commercial and residential cleaning services, - [Why does an insurer want to know what equipment and cleaning agents I use?](https://www.zensurance.com/blog/faq-items/why-does-an-insurer-want-to-know-what-equipment-and-cleaning-agents-i-use): Your insurer wants to know what equipment you own and the chemicals and other cleaning - [Do I need additional coverage if I apply varnish to my wood finish?](https://www.zensurance.com/blog/faq-items/do-i-need-additional-coverage-if-i-apply-varnish-to-my-wood-finish): Yes. You should consider adding pollution liability coverage to your policy if you use toxic, - [I was hired on a renovation project as a subcontractor. Do I need my own insurance?](https://www.zensurance.com/blog/faq-items/i-was-hired-on-a-renovation-project-as-a-subcontractor-do-i-need-my-own-insurance): Yes. All subcontractors should carry liability insurance to protect themselves. Many general contractors or customers - [Does my woodworking insurance cover finished products while they’re being shipped?](https://www.zensurance.com/blog/faq-items/does-my-woodworking-insurance-cover-finished-products-while-theyre-being-shipped): Yes. The tools and equipment portion of your policy covers the cost of damage or - [Does speech therapy insurance provide worldwide coverage?](https://www.zensurance.com/blog/faq-items/does-speech-therapy-insurance-provide-worldwide-coverage): Certain policies, such as CGL and professional liability coverages can provide you with coverage worldwide. - [What are the common risks that speech pathologists face?](https://www.zensurance.com/blog/faq-items/what-are-the-common-risks-that-speech-pathologists-face): Any professional that offers guidance and training will tend to be more exposed to professional - [Will my professional liability insurance cover online speech therapy services?](https://www.zensurance.com/blog/faq-items/will-my-professional-liability-insurance-cover-online-speech-therapy-services): Yes, whether you offer services in-person or virtually, you can be covered from claims if - [Does Zensurance offer one-time special events liability coverage?](https://www.zensurance.com/blog/faq-items/does-zensurance-offer-one-time-special-events-liability-coverage): No, Zensurance only offers quotes for annual (12-month) insurance policies. - [Am I responsible for liquor-related liabilities that may occur during the event?](https://www.zensurance.com/blog/faq-items/am-i-responsible-for-liquor-related-liabilities-that-may-occur-during-the-event): No, the vendor or host should have liquor liability insurance. This policy provides their bartenders - [Does my event planning insurance cover contractors that I hire? (E.g., caterers, DJs, etc.)](https://www.zensurance.com/blog/faq-items/does-my-event-planning-insurance-cover-contractors-that-i-hire-e-g-caterers-djs-etc): No, only employees (full- or part-time) would be covered under your wedding planner insurance policy. - [Does a web designer insurance policy cover me if I’m sued for copyright infringement?](https://www.zensurance.com/blog/faq-items/does-a-web-designer-insurance-policy-cover-me-if-im-sued-for-copyright-infringement): Provided you have professional liability coverage as part of your overall policy, yes, you are - [I’m a freelance web developer who mostly works from home. Do I need insurance?](https://www.zensurance.com/blog/faq-items/im-a-freelance-web-developer-who-mostly-works-from-home-do-i-need-insurance): Yes. Freelance web developers and designers should protect themselves with an insurance policy even if - [How much professional liability coverage do I need for my web designer insurance policy?](https://www.zensurance.com/blog/faq-items/how-much-professional-liability-coverage-do-i-need-for-my-web-designer-insurance-policy): Determining how much professional liability coverage to have in your policy depends on the type - [How are gas station insurance claims handled?](https://www.zensurance.com/blog/faq-items/how-are-gas-station-insurance-claims-handled): As your insurance brokerage, Zensurance does not decide the outcome of any claim you submit. - [My gas station has an automated car wash on site. Do I need additional coverage for it?](https://www.zensurance.com/blog/faq-items/my-gas-station-has-an-automated-car-wash-on-site-do-i-need-additional-coverage-for-it): It depends. You may require additional coverage for your car wash, or your commercial property - [If a motorist fills their tank with fuel but drives away without paying for it, will my policy cover the loss?](https://www.zensurance.com/blog/faq-items/if-a-motorist-fills-their-tank-with-fuel-but-drives-away-without-paying-for-it-will-my-policy-cover-the-loss): Yes. The commercial property portion of your gas station insurance policy pays for damage or - [Are there any exclusions in my oil and gas insurance policy?](https://www.zensurance.com/blog/faq-items/are-there-any-exclusions-in-my-oil-and-gas-insurance-policy): All insurance policies have exclusions, or risks that are not covered by your policy. For - [Do oil and gas subcontractors need to have their own insurance coverage?](https://www.zensurance.com/blog/faq-items/do-oil-and-gas-subcontractors-need-to-have-their-own-insurance-coverage): Yes. Any time you hire a subcontractor for any project, ask to see their certificate - [Do you offer excess liability coverage?](https://www.zensurance.com/blog/faq-items/do-you-offer-excess-liability-coverage): Yes. You can purchase what is known as commercial umbrella liability insurance to get an - [Will my Etsy insurance provide coverage for other marketplaces that I sell on?](https://www.zensurance.com/blog/faq-items/will-my-etsy-insurance-provide-coverage-for-other-marketplaces-that-i-sell-on): Yes, Etsy Insurance is simply a group of policies designed to protect the business activities - [Does my insurance cover product shipping or returns?](https://www.zensurance.com/blog/faq-items/does-my-insurance-cover-product-shipping-or-returns): No, however, you can get shipping insurance through Etsy to cover certain losses or damage - [Does Etsy offer insurance?](https://www.zensurance.com/blog/faq-items/does-etsy-offer-insurance): No, Etsy doesn’t offer insurance that will cover product liability or other types of liability - [Does a videographer insurance policy cover me for all types of video shoots?](https://www.zensurance.com/blog/faq-items/does-a-videographer-insurance-policy-cover-me-for-all-types-of-video-shoots): Yes. A comprehensive videographer insurance policy from Zensurance is applicable for any type of video - [What are a videographer insurance policy’s coverage limits?](https://www.zensurance.com/blog/faq-items/what-are-a-videographer-insurance-policys-coverage-limits): When you purchase a videographer insurance policy from Zensurance, you have the option to choose - [Are videographers required to carry insurance?](https://www.zensurance.com/blog/faq-items/are-videographers-required-to-carry-insurance): Whether you are an experienced self-employed or freelance videographer, starting out as a part-time videographer, - [Does business contents insurance cover portable items if taken outside of my place of business, such as a laptop?](https://www.zensurance.com/blog/faq-items/does-business-contents-insurance-cover-portable-items-if-taken-outside-of-my-place-of-business-such-as-a-laptop): Yes, it can, but you may need to buy a special cover that provides protection - [If I file a business contents claim with my insurance company, what do I need to provide them with to ensure my items and inventory are repaired or replaced?](https://www.zensurance.com/blog/faq-items/if-i-file-a-business-contents-claim-with-my-insurance-company-what-do-i-need-to-provide-them-with-to-ensure-my-items-and-inventory-are-repaired-or-replaced): You must create a business contents inventory list using a spreadsheet and update it regularly. - [What is the difference between replacement cost and actual cash value in a business contents policy?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-replacement-cost-and-actual-cash-value-in-a-business-contents-policy): Replacement cost coverage is when your insurer pays to restore your contents to their original - [Does a Shopify business insurance policy include coverage for dropshipping?](https://www.zensurance.com/blog/faq-items/does-a-shopify-business-insurance-policy-include-coverage-for-dropshipping): Some e-commerce businesses that do dropshipping are ones that sell products without stocking any inventory - [How can I protect the products I ship to my customers?](https://www.zensurance.com/blog/faq-items/how-can-i-protect-the-products-i-ship-to-my-customers): Speak to a licensed Zensurance broker about adding a rider for cargo insurance (also called - [Will my Shopify business insurance policy cover the costs of product recalls?](https://www.zensurance.com/blog/faq-items/will-my-shopify-business-insurance-policy-cover-the-costs-of-product-recalls): Yes. The product liability portion of your commercial general liability insurance covers the cost of - [Does pollution liability insurance include coverage for voluntary discoveries?](https://www.zensurance.com/blog/faq-items/does-pollution-liability-insurance-include-coverage-for-voluntary-discoveries): Some pollution liability policies may exclude environmental cleanup costs that a policyholder voluntarily discovers to - [Are there other kinds of business insurance coverage I should consider adding to my policy?](https://www.zensurance.com/blog/faq-items/are-there-other-kinds-of-business-insurance-coverage-i-should-consider-adding-to-my-policy): It’s best to speak to a licensed Zensurance broker for advice and guidance on what - [Does my restoration and remediation insurance policy include coverage for any subcontractors I hire?](https://www.zensurance.com/blog/faq-items/does-my-restoration-and-remediation-insurance-policy-include-coverage-for-any-subcontractors-i-hire): Your restoration and remediation policy covers your full-time employees. If you hire temporary or part-time - [How can I limit my junk removal company’s risk exposures?](https://www.zensurance.com/blog/faq-items/how-can-i-limit-my-junk-removal-companys-risk-exposures): There are a few ways you can mitigate the risks your company and employees face, - [A client is accusing me of removing and disposing of an appliance they did not want removed and are threatening to sue. Will my policy protect me?](https://www.zensurance.com/blog/faq-items/a-client-is-accusing-me-of-removing-and-disposing-of-an-appliance-they-did-not-want-removed-and-are-threatening-to-sue-will-my-policy-protect-me): Provided you have errors and omissions (E&O) insurance as part of your policy, yes, you - [My team accidentally dumped a truckload of debris in the wrong location on private property. The property owner is suing me for damages. Am I covered?](https://www.zensurance.com/blog/faq-items/my-team-accidentally-dumped-a-truckload-of-debris-in-the-wrong-location-on-private-property-the-property-owner-is-suing-me-for-damages-am-i-covered): Yes, your commercial general liability insurance may pay for the damages to the property, its - [Will my optometrist insurance cover other services that I provide?](https://www.zensurance.com/blog/faq-items/will-my-optometrist-insurance-cover-other-services-that-i-provide): Yes. During the application process, you’ll have the opportunity to share details about the services - [How much malpractice insurance coverage do I need?](https://www.zensurance.com/blog/faq-items/how-much-malpractice-insurance-coverage-do-i-need): In some provinces, there are legal insurance requirements and monetary limits needed to offer optometry - [Do I need to get my liability insurance from my college of optometrists?](https://www.zensurance.com/blog/faq-items/do-i-need-to-get-my-liability-insurance-from-my-college-of-optometrists): No, while you can choose to purchase your insurance through your college of optometry, you - [If I sell glasses or contact lenses at my clinic, will I need additional coverage?](https://www.zensurance.com/blog/faq-items/if-i-sell-glasses-or-contact-lenses-at-my-clinic-will-i-need-additional-coverage): Talk to a Zensurance licensed broker to ensure your commercial general liability coverage includes product - [Will my optician professional liability policy cover me for online services?](https://www.zensurance.com/blog/faq-items/will-my-optician-professional-liability-policy-cover-me-for-online-services): Yes. If you provide services online temporarily or permanently, your professional liability or medical malpractice - [Am I required to obtain insurance from my opticians’ college?](https://www.zensurance.com/blog/faq-items/am-i-required-to-obtain-insurance-from-my-opticians-college): No. You are not required or obliged to purchase an optician insurance policy through the - [My independent grocery store does not sell products online. Do I still need cyber liability insurance?](https://www.zensurance.com/blog/faq-items/my-independent-grocery-store-does-not-sell-products-online-do-i-still-need-cyber-liability-insurance): Yes. It is advisable to include cyber liability coverage in your overall policy, even if - [Is grocery store insurance tax deductible?](https://www.zensurance.com/blog/faq-items/is-grocery-store-insurance-tax-deductible): Yes. The Canada Revenue Agency does allow grocery and food store owners to deduct the - [How do I determine how much coverage I need to have for commercial general liability insurance?](https://www.zensurance.com/blog/faq-items/how-do-i-determine-how-much-coverage-i-need-to-have-for-commercial-general-liability-insurance): Determining your commercial general liability (CGL) coverage limit should be based on what risks you - [Does my demolition insurance policy include coverage for any subcontractors I hire for a specific project?](https://www.zensurance.com/blog/faq-items/does-my-demolition-insurance-policy-include-coverage-for-any-subcontractors-i-hire-for-a-specific-project): No. When hiring subcontractors, it’s recommended you only hire professionals who carry an insurance policy - [If sudden, extreme weather damages my company’s heavy equipment such as a bulldozer at a job site, will my policy cover me for those damages?](https://www.zensurance.com/blog/faq-items/if-sudden-extreme-weather-damages-my-companys-heavy-equipment-such-as-a-bulldozer-at-a-job-site-will-my-policy-cover-me-for-those-damages): Provided you have tools and equipment coverage as part of your overall policy, yes, your - [Does demolition insurance include coverage for noise from explosives used during a demolition?](https://www.zensurance.com/blog/faq-items/does-demolition-insurance-include-coverage-for-noise-from-explosives-used-during-a-demolition): Yes. Demolition insurance includes commercial general liability coverage, which provides protection from costs associated with - [Can you provide access to coverage for armed private investigators?](https://www.zensurance.com/blog/faq-items/can-you-provide-access-to-coverage-for-armed-private-investigators): Yes, private investigators that carry arms can be covered by private investigator insurance. However, you - [An insurance company hired me to investigate a fraud case. Do I still need insurance?](https://www.zensurance.com/blog/faq-items/an-insurance-company-hired-me-to-investigate-a-fraud-case-do-i-still-need-insurance): Yes. You should have a policy, especially if you’re hired as a contractor. Your services - [I was charged with trespassing on private property during surveillance. Will my insurance cover this?](https://www.zensurance.com/blog/faq-items/i-was-charged-with-trespassing-on-private-property-during-surveillance-will-my-insurance-cover-this): No, private investigators cannot legally go onto private property on their own without permission – - [Can I be held liable if the pest infestation reoccurs after providing my services?](https://www.zensurance.com/blog/faq-items/can-i-be-held-liable-if-the-pest-infestation-reoccurs-after-providing-my-services): To be held liable after providing pest control services, it would need to be proven - [Do I need to have a pest control certification to get insurance?](https://www.zensurance.com/blog/faq-items/do-i-need-to-have-a-pest-control-certification-to-get-insurance): Depending on the province, you may need certification and insurance to operate extermination services outside - [What are the common risks that pest control companies face?](https://www.zensurance.com/blog/faq-items/what-are-the-common-risks-that-pest-control-companies-face): Pest control businesses may face a broad range of liable risks. From a general third-party - [How necessary is it to include cyber liability insurance in my audiologist insurance policy?](https://www.zensurance.com/blog/faq-items/how-necessary-is-it-to-include-cyber-liability-insurance-in-my-audiologist-insurance-policy): It is highly recommended you include cyber liability protection in your overall policy. While every - [Commercial property insurance includes coverage for my clinic’s contents, electronics, and furnishings. Does that include covering my audiology testing equipment such as an audiometer if it is damaged by a power surge?](https://www.zensurance.com/blog/faq-items/commercial-property-insurance-includes-coverage-for-my-clinics-contents-electronics-and-furnishings-does-that-include-covering-my-audiology-testing-equipment-such-as-an-audiometer-if-it-is): No. Commercial property insurance covers your clinic and its contents, inventory, and electronics if damaged - [Does audiology insurance include coverage for hearing aids that my clinic sells to our patients?](https://www.zensurance.com/blog/faq-items/does-audiology-insurance-include-coverage-for-hearing-aids-that-my-clinic-sells-to-our-patients): If your commercial general liability coverage includes product liability insurance, then yes, the hearing aids - [How does E&O insurance differ from professional liability insurance?](https://www.zensurance.com/blog/faq-items/how-does-eo-insurance-differ-from-professional-liability-insurance): The difference is only in name. E&O insurance and professional liability insurance provide the same - [Does E&O insurance provide me with coverage for a fraudulent act inflicted on a client that was committed by one of my employees?](https://www.zensurance.com/blog/faq-items/does-eo-insurance-provide-me-with-coverage-for-a-fraudulent-act-inflicted-on-a-client-that-was-committed-by-one-of-my-employees): No. For protection against fraudulent acts, employee dishonesty, or other criminal activities committed or alleged - [I’m having trouble collecting money a client owes me after completing a project for them months ago. Can my insurance policy help?](https://www.zensurance.com/blog/faq-items/im-having-trouble-collecting-money-a-client-owes-me-after-completing-a-project-for-them-months-ago-can-my-insurance-policy-help): Yes. If you have legal expense coverage included in your overall policy, you can seek - [One of my employees stole cash from my coffee shop. Will my insurance provide this coverage?](https://www.zensurance.com/blog/faq-items/one-of-my-employees-stole-cash-from-my-coffee-shop-will-my-insurance-provide-this-coverage): When an employee is involved in stealing company property, you need additional coverage called commercial - [Does my cafe insurance cover additional catering services?](https://www.zensurance.com/blog/faq-items/does-my-cafe-insurance-cover-additional-catering-services): Yes, if you offer a catering service also, you may require additional coverage based on - [If I sell alcohol at my cafe, will I need extra coverage?](https://www.zensurance.com/blog/faq-items/if-i-sell-alcohol-at-my-cafe-will-i-need-extra-coverage): Yes, if you serve alcohol in your cafe, you should add liquor liability to your - [Do part-time practitioners working in a medical clinic require insurance?](https://www.zensurance.com/blog/faq-items/do-part-time-practitioners-working-in-a-medical-clinic-require-insurance): Yes. If you hire a health and wellness practitioner to work part-time or temporarily at - [Are counsellors or practitioners who work from home covered by their respective home insurance policies?](https://www.zensurance.com/blog/faq-items/are-counsellors-or-practitioners-who-work-from-home-covered-by-their-respective-home-insurance-policies): No. If a counsellor or health and wellness practitioner works from home virtually or welcomes - [Is there a difference between the type of insurance a counsellor and therapist need?](https://www.zensurance.com/blog/faq-items/is-there-a-difference-between-the-type-of-insurance-a-counsellor-and-therapist-need): The terms counsellor and therapist are interchangeable and may refer to the same health and - [Does dog walking insurance provide coverage for the care of dogs?](https://www.zensurance.com/blog/faq-items/does-dog-walking-insurance-provide-coverage-for-the-care-of-dogs): Dog walking insurance can cover other services, such as grooming or the boarding of dogs. - [Is there a limit of how many dogs I can walk at a time?](https://www.zensurance.com/blog/faq-items/is-there-a-limit-of-how-many-dogs-i-can-walk-at-a-time): There may be limits depending on where you live. For instance, in the City of - [If one of the dogs gets sick from a treat I gave them, will I be covered?](https://www.zensurance.com/blog/faq-items/if-one-of-the-dogs-gets-sick-from-a-treat-i-gave-them-will-i-be-covered): Yes, if a dog becomes sick or injured while in your care – even if, - [My company was granted a commercial window cleaning contract. Do I need to increase my coverage limit?](https://www.zensurance.com/blog/faq-items/my-company-was-granted-a-commercial-window-cleaning-contract-do-i-need-to-increase-my-coverage-limit): It’s recommended to have at least $2 million of coverage at a minimum. However, some - [If I have a door-to-door sales team, are they covered by my policy in case of accidental property damage?](https://www.zensurance.com/blog/faq-items/if-i-have-a-door-to-door-sales-team-are-they-covered-by-my-policy-in-case-of-accidental-property-damage): If the members of your sales team are also full-time employees, yes, your policy will - [Will my insurance policy cover me if my window cleaning business uses specific chemicals such as chlorine and ammonia to clean exterior windows?](https://www.zensurance.com/blog/faq-items/will-my-insurance-policy-cover-me-if-my-window-cleaning-business-uses-specific-chemicals-such-as-chlorine-and-ammonia-to-clean-exterior-windows): Provided you include pollution liability coverage as part of your overall policy, and your insurer - [One of my customers accused me of theft. Will my handyman insurance policy cover me if they sue me?](https://www.zensurance.com/blog/faq-items/one-of-my-customers-accused-me-of-theft-will-my-handyman-insurance-policy-cover-me-if-they-sue-me): If a customer accuses you of theft and decides to pursue civil action against you - [Am I liable for any subcontractors I hire for a specific project?](https://www.zensurance.com/blog/faq-items/am-i-liable-for-any-subcontractors-i-hire-for-a-specific-project): If you hire a subcontractor to provide services for a job you have been hired - [Is there a difference between handyman insurance and contractor insurance?](https://www.zensurance.com/blog/faq-items/is-there-a-difference-between-handyman-insurance-and-contractor-insurance): In general, no, both handyman insurance and contractor insurance are designed to provide self-employed and - [How can a startup insurance policy support my company as I hire employees?](https://www.zensurance.com/blog/faq-items/how-can-a-startup-insurance-policy-support-my-company-as-i-hire-employees): Once you begin to hire permanent or temporary employees, it may be necessary to enhance - [What are some steps I can take to lower the annual cost of my policy?](https://www.zensurance.com/blog/faq-items/what-are-some-steps-i-can-take-to-lower-the-annual-cost-of-my-policy): Conducting an annual risk assessment of your company and taking action to mitigate your risks - [How does startup insurance factor into my strategic business plan?](https://www.zensurance.com/blog/faq-items/how-does-startup-insurance-factor-into-my-strategic-business-plan): Startup insurance is a critical component of your strategic business plan and the backbone of - [How can I reduce the cost of a hotel insurance premium?](https://www.zensurance.com/blog/faq-items/how-can-i-reduce-the-cost-of-a-hotel-insurance-premium): Taking proactive steps and preventative measures to mitigate your hotel’s risks is the best way - [Can I include both properties on one insurance policy if I own two or more motels or hotels in different locations?](https://www.zensurance.com/blog/faq-items/can-i-include-both-properties-on-one-insurance-policy-if-i-own-two-or-more-motels-or-hotels-in-different-locations): Yes. If you own multiple motels or hotel properties, they can be included in one - [My hotel does not have a bar, but each room has a small refrigerator that contains alcohol guests may purchase. Is it necessary to include liquor liability insurance in my overall policy?](https://www.zensurance.com/blog/faq-items/my-hotel-does-not-have-a-bar-but-each-room-has-a-small-refrigerator-that-contains-alcohol-guests-may-purchase-is-it-necessary-to-include-liquor-liability-insurance-in-my-overall-policy): Yes. Any hospitality business that serves its guests or customers alcohol should buy liquor liability - [Do I need specific coverage if I serve alcohol during catering events?](https://www.zensurance.com/blog/faq-items/do-i-need-specific-coverage-if-i-serve-alcohol-during-catering-events): If you serve alcohol at your catering events, you should consider adding liquor liability to - [Am I restricted to the types of dishes I can cater?](https://www.zensurance.com/blog/faq-items/am-i-restricted-to-the-types-of-dishes-i-can-cater): Your business can prepare and serve any dish or cuisine except for any food that - [My catering company operates through a third-party commercial kitchen, do I need to include them into my policy?](https://www.zensurance.com/blog/faq-items/my-catering-company-operates-through-a-third-party-commercial-kitchen-do-i-need-to-include-them-into-my-policy): Yes, if you run your catering through another business’s kitchen (say a recreational centre, convention - [Does my commercial auto insurance provide coverage for my tools and equipment while in transit?](https://www.zensurance.com/blog/faq-items/does-my-commercial-auto-insurance-provide-coverage-for-my-tools-and-equipment-while-in-transit): No. A commercial auto policy does not cover the cost to repair or replace tools - [Are renovation contractors required by law to have insurance?](https://www.zensurance.com/blog/faq-items/are-renovation-contractors-required-by-law-to-have-insurance): In most provinces, renovation contractors must carry commercial general liability insurance. Your customers may also - [Are any subcontractors I hire for a renovation project covered by my commercial general liability insurance policy?](https://www.zensurance.com/blog/faq-items/are-any-subcontractors-i-hire-for-a-renovation-project-covered-by-my-commercial-general-liability-insurance-policy): It depends on the terms and exclusions of your policy. It may be necessary to - [Can a former client launch a lawsuit against me alleging I caused them physical, psychological, or financial harm years ago?](https://www.zensurance.com/blog/faq-items/can-a-former-client-launch-a-lawsuit-against-me-alleging-i-caused-them-physical-psychological-or-financial-harm-years-ago): Yes. It is possible for a former client to sue you for bodily injury, negligence, - [What are the most common restrictions or exclusions in a fitness instructor insurance policy?](https://www.zensurance.com/blog/faq-items/what-are-the-most-common-restrictions-or-exclusions-in-a-fitness-instructor-insurance-policy): Some common exclusions in a fitness instructor insurance policy may include training professional athletes, student - [Do I need to purchase product liability insurance to sell nutritional supplements to my customers that I buy from a supplier?](https://www.zensurance.com/blog/faq-items/do-i-need-to-purchase-product-liability-insurance-to-sell-nutritional-supplements-to-my-customers-that-i-buy-from-a-supplier): Yes. Any small business or self-employed professional who sells, distributes, or manufactures a product (including - [When would commercial crime insurance get triggered?](https://www.zensurance.com/blog/faq-items/when-would-commercial-crime-insurance-get-triggered): Your commercial crime insurance kicks in after filing a claim. It can be claimed on - [Does commercial crime insurance cover social engineering fraud?](https://www.zensurance.com/blog/faq-items/does-commercial-crime-insurance-cover-social-engineering-fraud): No. Commercial crime insurance is not designed to protect you from social engineering fraud. For - [Does commercial crime insurance include coverage for acts of violence?](https://www.zensurance.com/blog/faq-items/does-commercial-crime-insurance-include-coverage-for-acts-of-violence): No. Commercial crime insurance is not designed to cover acts of violence in a workplace. - [If I subcontract some of my health care services, will they be covered?](https://www.zensurance.com/blog/faq-items/if-i-subcontract-some-of-my-health-care-services-will-they-be-covered): Subcontractors aren’t covered by your insurance policy – generally, only full-time employees can be covered. - [Are there any specific health care services that are excluded from my policy?](https://www.zensurance.com/blog/faq-items/are-there-any-specific-health-care-services-that-are-excluded-from-my-policy): Your insurance policy will cover you for unintentional actions you’re liable for, within the scope - [What risks do home health care providers face?](https://www.zensurance.com/blog/faq-items/what-risks-do-home-health-care-providers-face): Home health care providers can run into a variety of risks, from the common “slip-and-fall” - [Does a temporary staffing agency’s insurance policy cover the employees they hire to work at a client’s jobsite?](https://www.zensurance.com/blog/faq-items/does-a-temporary-staffing-agencys-insurance-policy-cover-the-employees-they-hire-to-work-at-a-clients-jobsite): It depends. Because a temporary staffing agency hires and pays the candidate and not the - [Does professional liability insurance include protection against allegations of defamation and libel?](https://www.zensurance.com/blog/faq-items/does-professional-liability-insurance-include-protection-against-allegations-of-defamation-and-libel): Yes. Professional liability insurance, or errors and omissions insurance, includes coverage for your media and - [I am a recruiter who works for a staffing agency. My employer has insurance. Do I need my own policy?](https://www.zensurance.com/blog/faq-items/i-am-a-recruiter-who-works-for-a-staffing-agency-my-employer-has-insurance-do-i-need-my-own-policy): It is advisable to consider purchasing your own professional liability insurance policy to ensure you - [If I use my personal vehicle to transport equipment, tools, and colleagues to and from a jobsite each day, will my existing private-passenger car insurance cover me if I get into a collision with another vehicle?](https://www.zensurance.com/blog/faq-items/if-i-use-my-personal-vehicle-to-transport-equipment-tools-and-colleagues-to-and-from-a-jobsite-each-day-will-my-existing-private-passenger-car-insurance-cover-me-if-i-get-into-a-collision-with-anot): In general, a private-passenger car insurance policy is not designed to provide coverage for any - [In the unfortunate event that a passerby is severely injured or killed by a falling object from a high-rise condo development that’s under construction, will contractors’ insurance cover that accident?](https://www.zensurance.com/blog/faq-items/in-the-unfortunate-event-that-a-passerby-is-severely-injured-or-killed-by-a-falling-object-from-a-high-rise-condo-development-thats-under-construction-will-contractors-insurance-cov): Your commercial general liability insurance policy is designed to cover third-party bodily injuries to anyone - [The company that hired me as a contractor to work on a construction project is insured. Do I still need an insurance policy?](https://www.zensurance.com/blog/faq-items/the-company-that-hired-me-as-a-contractor-to-work-on-a-construction-project-is-insured-do-i-still-need-an-insurance-policy): Yes. Even though you have been hired (permanently or temporarily) by a construction firm to - [What are the common risks that nail technicians face?](https://www.zensurance.com/blog/faq-items/what-are-the-common-risks-that-nail-technicians-face): Here are some of the risks that can occur in a nail salon that can - [How much insurance coverage should a nail technician have?](https://www.zensurance.com/blog/faq-items/how-much-insurance-coverage-should-a-nail-technician-have): Typically, nail technicians should have at least $2 million coverage for liability claims. It may - [Do I need additional coverage if I provide mobile nail services?](https://www.zensurance.com/blog/faq-items/do-i-need-additional-coverage-if-i-provide-mobile-nail-services): Yes. Our liability insurance adapts to your mobile nail business and can cover your content - [Does my insurance cover bike rentals?](https://www.zensurance.com/blog/faq-items/does-my-insurance-cover-bike-rentals): Product liability coverage within a commercial general liability insurance policy covers you for any injuries - [Do I need additional coverage if my bike shop organizes and hosts a community cycling event?](https://www.zensurance.com/blog/faq-items/do-i-need-additional-coverage-if-my-bike-shop-organizes-and-hosts-a-community-cycling-event): Yes. If your bike shop hosts and runs cycling events outside of your store, you - [What is the most common risk bike shop owners face?](https://www.zensurance.com/blog/faq-items/what-is-the-most-common-risk-bike-shop-owners-face): While theft is undoubtedly a common problem independent bike dealers face, so too are the - [Why do microblading professionals need insurance?](https://www.zensurance.com/blog/faq-items/why-do-microblading-professionals-need-insurance): Every business has risks. For example, a client could simply slip and fall in your - [Do I need my own insurance if I rent space at a spa?](https://www.zensurance.com/blog/faq-items/do-i-need-my-own-insurance-if-i-rent-space-at-a-spa): Yes, oftentimes commercial insurance policies only cover the liability of full-time employees. If you’re a - [Are there any requirements in order to obtain a microblading insurance policy?](https://www.zensurance.com/blog/faq-items/are-there-any-requirements-in-order-to-obtain-a-microblading-insurance-policy): Yes, we require accredited certification and a minimum of 40 hours of practical experience in - [Why do bookkeepers need insurance?](https://www.zensurance.com/blog/faq-items/why-do-bookkeepers-need-insurance): Even the best bookkeeper may make a mistake or miscalculation. If an error, omission, or - [If I provide online bookkeeping services, do I still need insurance?](https://www.zensurance.com/blog/faq-items/if-i-provide-online-bookkeeping-services-do-i-still-need-insurance): Yes. Even though the bookkeeping services you provide are online exclusively, you still need to - [Do bookkeepers and accountants need different insurance coverages?](https://www.zensurance.com/blog/faq-items/do-bookkeepers-and-accountants-need-different-insurance-coverages): Not necessarily. As a bookkeeper, the types of coverages you need may be similar to - [Will my insurance cover my camp if I rent it out during the winter season?](https://www.zensurance.com/blog/faq-items/will-my-insurance-cover-my-camp-if-i-rent-it-out-during-the-winter-season): Many insurance companies will allow you to choose the duration of your policy. For example, - [Do I need insurance if I require camp participants to sign a liability waiver?](https://www.zensurance.com/blog/faq-items/do-i-need-insurance-if-i-require-camp-participants-to-sign-a-liability-waiver): Getting parents and guardians to sign waivers can protect your business against certain liabilities to - [What is not covered in a summer camp insurance policy?](https://www.zensurance.com/blog/faq-items/what-is-not-covered-in-a-summer-camp-insurance-policy): Your summer camp insurance is a group of combined policies, all of which are optional. - [I’m a travelling freelance writer. Will my insurance provide coverage outside of Canada?](https://www.zensurance.com/blog/faq-items/im-a-travelling-freelance-writer-will-my-insurance-provide-coverage-outside-of-canada): Yes. A freelance writers’ and authors’ insurance policy can be customized to provide you with - [What’s the difference between media liability and professional liability?](https://www.zensurance.com/blog/faq-items/whats-the-difference-between-media-liability-and-professional-liability): Yes, media liability would include coverage specifically designed for the media industry. Professional liability provides - [Does writers insurance provide coverage for content published on my own blog?](https://www.zensurance.com/blog/faq-items/does-writers-insurance-provide-coverage-for-content-published-on-my-own-blog): Yes. A freelance writers and authors insurance policy includes coverage for any digital content you - [Why doesn’t my home insurance cover if I work from home?](https://www.zensurance.com/blog/faq-items/why-doesnt-my-home-insurance-cover-if-i-work-from-home): Personal home insurance is not designed to provide coverage for a home-based business. Although some - [If I’m a freelancing graphic designer working outside of Canada. Will my insurance cover me?](https://www.zensurance.com/blog/faq-items/if-im-a-freelancing-graphic-designer-working-outside-of-canada-will-my-insurance-cover-me): Yes. Your professional liability insurance policy will cover you while working outside of Canada provided - [What are the common risks that graphic designers face?](https://www.zensurance.com/blog/faq-items/what-are-the-common-risks-that-graphic-designers-face): Graphic designers face a wide variety of risks including copyright infringement, contract disputes, failure to - [How can you reduce the cost of your annual car insurance policy?](https://www.zensurance.com/blog/faq-items/how-can-you-reduce-the-cost-of-your-annual-car-insurance-policy): The best way to keep your annual car insurance premium as low as possible is - [Does car insurance follow the driver?](https://www.zensurance.com/blog/faq-items/does-car-insurance-follow-the-driver): No. Your car insurance policy follows your vehicle, not the driver. Therefore, if you loan - [What do I need to obtain car insurance in Canada?](https://www.zensurance.com/blog/faq-items/what-do-i-need-to-obtain-car-insurance-in-canada): To obtain a car insurance policy in Canada, you will need the following: Canadian residency - [Do I need homeowners insurance in Canada?](https://www.zensurance.com/blog/faq-items/do-i-need-homeowners-insurance-in-canada): Homeowners insurance is not a legal requirement in Canada, however, it is usually required by - [What is a homeowner insurance endorsement?](https://www.zensurance.com/blog/faq-items/what-is-a-homeowner-insurance-endorsement): A homeowner insurance endorsement or rider is optional coverage you can add to your policy - [How can I determine the cost to replace the personal belongings within my home?](https://www.zensurance.com/blog/faq-items/how-can-i-determine-the-cost-to-replace-the-personal-belongings-within-my-home): Personal belongings can be insured two different ways: replacement cost coverage and actual cash value. - [What is not covered by homeowners insurance?](https://www.zensurance.com/blog/faq-items/what-is-not-covered-by-homeowners-insurance): Although homeowners insurance provides coverage for the structure of your home and personal belongings, there - [What is covered by homeowners insurance?](https://www.zensurance.com/blog/faq-items/what-is-covered-by-homeowners-insurance): With many different options of homeowner insurance, the typical policy will cover the following: The - [Do I need additional coverage if I work on commercial tree removal?](https://www.zensurance.com/blog/faq-items/do-i-need-additional-coverage-if-i-work-on-commercial-tree-removal): Your arborist or tree removal insurance policy must reflect the type of work you do. - [Do I need tree removal insurance if my clients have home insurance?](https://www.zensurance.com/blog/faq-items/do-i-need-tree-removal-insurance-if-my-clients-have-home-insurance): Yes. Even though your clients may have homeowner insurance policies, they are designed to protect - [A customer is asking for my certificate of insurance. How do I get it?](https://www.zensurance.com/blog/faq-items/a-customer-is-asking-for-my-certificate-of-insurance-how-do-i-get-it): Your licensed insurance broker can provide you with a certificate of insurance if you need - [Is there a difference between malpractice insurance and professional liability insurance?](https://www.zensurance.com/blog/faq-items/is-there-a-difference-between-malpractice-insurance-and-professional-liability-insurance): Malpractice insurance for a spa typically focuses on bodily injury due to professional negligence, while - [Does my spa insurance policy cover any independent professionals who rent a space in my spa?](https://www.zensurance.com/blog/faq-items/does-my-spa-insurance-policy-cover-any-independent-professionals-who-rent-a-space-in-my-spa): No. Your spa insurance policy is designed to cover you, the business owner, and your - [I have my customers sign a liability waiver. Do I still need a spa insurance policy?](https://www.zensurance.com/blog/faq-items/i-have-my-customers-sign-a-liability-waiver-do-i-still-need-a-spa-insurance-policy): Yes. A liability waiver may not protect you in court if you are sued. A - [Are there other types of coverages my construction business requires?](https://www.zensurance.com/blog/faq-items/are-there-other-types-of-coverages-my-construction-business-requires): Depending on what your construction business does, the work it performs, and projects it has, - [Do all members of my construction crew need to be licensed and insured?](https://www.zensurance.com/blog/faq-items/do-all-members-of-my-construction-crew-need-to-be-licensed-and-insured): Yes. It is advisable for every member of your construction crew to be fully licensed, - [What is wrap-up liability and what benefits does a wrap-up liability policy provide?](https://www.zensurance.com/blog/faq-items/what-is-wrap-up-liability-and-what-benefits-does-a-wrap-up-liability-policy-provide): A wrap-up liability policy is a one-time, project-specific liability policy that is designed to cover - [Is there a difference between a vacant property and unoccupied property?](https://www.zensurance.com/blog/faq-items/is-there-a-difference-between-a-vacant-property-and-unoccupied-property): Insurers consider a business property vacant if it is empty (no furniture or equipment inside) - [Is there a maximum amount of time a business property that is vacant can be insured?](https://www.zensurance.com/blog/faq-items/is-there-a-maximum-amount-of-time-a-business-property-that-is-vacant-can-be-insured): No. However, the coverage limits of your policy may be restricted to a degree depending - [What kinds of properties are ineligible for vacant property insurance?](https://www.zensurance.com/blog/faq-items/what-kinds-of-properties-are-ineligible-for-vacant-property-insurance): If a commercial property is abandoned or uninhabitable because of an insured loss, it may - [If I hired an engineer or architect for a project, will they be covered?](https://www.zensurance.com/blog/faq-items/if-i-hired-an-engineer-or-architect-for-a-project-will-they-be-covered): Contractors such as engineers or architects can be covered under your policy, but may need - [How does different design project types affect my insurance premium?](https://www.zensurance.com/blog/faq-items/how-does-different-design-project-types-affect-my-insurance-premium): Insurers calculate your premium based on the project size and the likelihood of a risk - [What are the common liabilities of an interior designer?](https://www.zensurance.com/blog/faq-items/what-are-the-common-liabilities-of-an-interior-designer): Due to managing complex and sometimes highly costly projects, interior designers are most likely to - [Are faith-based organizations eligible for insurance discounts?](https://www.zensurance.com/blog/faq-items/are-faith-based-organizations-eligible-for-insurance-discounts): It’s unlikely. Insurers consider churches and other faith-based institutions the same as any other commercial - [Does commercial property insurance provide coverage for places of worship while they are vacant?](https://www.zensurance.com/blog/faq-items/does-commercial-property-insurance-provide-coverage-for-places-of-worship-while-they-are-vacant): It depends. A non-residential property such as a church may be considered vacant after a - [Are there additional coverages I should add to a church insurance policy?](https://www.zensurance.com/blog/faq-items/are-there-additional-coverages-i-should-add-to-a-church-insurance-policy): Yes. You may wish to add additional or optional coverages to your overall insurance policy. - [Do I need additional coverage if I provide mobile barber services?](https://www.zensurance.com/blog/faq-items/do-i-need-additional-coverage-if-i-provide-mobile-barber-services): Yes, if you travel for business purposes, you’ll require commercial auto insurance as part of - [Does my barber shop insurance cover hair products that I sell?](https://www.zensurance.com/blog/faq-items/does-my-barber-shop-insurance-cover-hair-products-that-i-sell): Yes, product liability insurance is a part of your CGL coverage. If you sell a - [If I rent out my chairs, does my insurance cover the contract barbers?](https://www.zensurance.com/blog/faq-items/if-i-rent-out-my-chairs-does-my-insurance-cover-the-contract-barbers): Generally speaking, your insurance will only cover your full-time employees. For self-employed or freelancing barbers - [Will I be liable for injury-related claims after months of providing tattoo service?](https://www.zensurance.com/blog/faq-items/will-i-be-liable-for-injury-related-claims-after-months-of-providing-tattoo-service): If a customer is blaming you for a tattoo-related injury months after your service, external - [Will my insurance cover customer injuries sustained during the tattooing process?](https://www.zensurance.com/blog/faq-items/will-my-insurance-cover-customer-injuries-sustained-during-the-tattooing-process): If you have general liability coverage, chances are you’ll be covered for causing an injury - [Do I need additional tattoo insurance coverage if I provide services to minors?](https://www.zensurance.com/blog/faq-items/do-i-need-additional-tattoo-insurance-coverage-if-i-provide-services-to-minors): To get a tattoo, many provinces have mandated a minimum age that’s below the age - [What is excluded from a garage liability insurance policy?](https://www.zensurance.com/blog/faq-items/what-is-excluded-from-a-garage-liability-insurance-policy): A garage liability insurance policy does not provide coverage for the contents in a customer’s - [Can a mechanic or auto repair technician be held liable because of a car accident involving a customer’s vehicle during a test drive?](https://www.zensurance.com/blog/faq-items/can-a-mechanic-or-auto-repair-technician-be-held-liable-because-of-a-car-accident-involving-a-customers-vehicle-during-a-test-drive): Yes. A mechanic or auto repair technician can be held liable for damages to a - [What is the difference between garage liability and garage keepers’ liability insurance?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-garage-liability-and-garage-keepers-liability-insurance): Garage liability insurance, also called garage keepers insurance, protects you from third-party bodily injury or - [Can a former client sue me for an alleged error made on a tax return filed years ago?](https://www.zensurance.com/blog/faq-items/can-a-former-client-sue-me-for-an-alleged-error-made-on-a-tax-return-filed-years-ago): Yes. Both your former and current clients could sue you for real or alleged errors. - [Is errors and omissions insurance mandatory for tax preparers?](https://www.zensurance.com/blog/faq-items/is-errors-and-omissions-insurance-mandatory-for-tax-preparers): It depends. The province you live in or any professional association you are a member - [Are tax preparers liable for their work?](https://www.zensurance.com/blog/faq-items/are-tax-preparers-liable-for-their-work): As a professional tax preparer, you help your clients understand their tax obligations. However, your - [If I'm hired as a sub-contractor for another company, do I need my own insurance?](https://www.zensurance.com/blog/faq-items/if-im-hired-as-a-sub-contractor-for-another-company-do-i-need-my-own-insurance): Yes, you’ll need your own insurance. Typically, insurance coverage only applies to a company’s full-time - [If I supply the fixtures or materials, do I need to get specific coverage for this?](https://www.zensurance.com/blog/faq-items/if-i-supply-the-fixtures-or-materials-do-i-need-to-get-specific-coverage-for-this): Product liability insurance may be included in your CGL policy – speak to a broker - [Does carpenter insurance cover poor craft quality?](https://www.zensurance.com/blog/faq-items/does-carpenter-insurance-cover-poor-craft-quality): Depending on the size of the claim, poor workmanship may be covered under faulty workmanship - [Who pays for builder’s risk insurance?](https://www.zensurance.com/blog/faq-items/who-pays-for-builders-risk-insurance): Purchasing builder’s risk insurance to cover a construction project is typically the property owner’s responsibility. - [Can a project manager get sued?](https://www.zensurance.com/blog/faq-items/can-a-project-manager-get-sued): Yes. A project manager can face a third-party lawsuit from a customer or business partner - [If I’m required to travel out of the country for project-related work, will my policy cover me?](https://www.zensurance.com/blog/faq-items/if-im-required-to-travel-out-of-the-country-for-project-related-work-will-my-policy-cover-me): Most policies offer worldwide coverage, but some may impose restrictions in certain countries. Therefore, it - [Does my project manager insurance include contract bonds?](https://www.zensurance.com/blog/faq-items/does-my-project-manager-insurance-include-contract-bonds): Also known as contract surety bond, this coverage is separate from professional liability. They are - [Does my professional liability insurance cover me if I work outside of my home province?](https://www.zensurance.com/blog/faq-items/does-my-professional-liability-insurance-cover-me-if-i-work-outside-of-my-home-province): It depends. During your insurance application, it needs to be determined in which provinces you - [The law firm I work at has an insurance policy. As an employed paralegal, do I need my own insurance?](https://www.zensurance.com/blog/faq-items/the-law-firm-i-work-at-has-an-insurance-policy-as-an-employed-paralegal-do-i-need-my-own-insurance): Yes. Even though the law firm where you work is insured, that policy may not - [What is the difference between a “claims-made” policy and an “occurrence” policy?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-a-claims-made-policy-and-an-occurrence-policy): A claims-made policy is one that protects you from allegations or claims made while your - [Will my home insurance cover my training classes at my home-based gym?](https://www.zensurance.com/blog/faq-items/will-my-home-insurance-cover-my-training-classes-at-my-home-based-gym): No. A personal home insurance policy is not a business insurance policy. It is not - [My clients sign consent forms. Do I still need insurance?](https://www.zensurance.com/blog/faq-items/my-clients-sign-consent-forms-do-i-still-need-insurance): Yes. Even though your clients sign consent forms acknowledging the possible risks they face by - [If I provide nutritional advice to my clients, will my personal trainer insurance cover me?](https://www.zensurance.com/blog/faq-items/if-i-provide-nutritional-advice-to-my-clients-will-my-personal-trainer-insurance-cover-me): It depends. If you have professional liability coverage (also known as errors and omissions insurance) - [Will a cannabis insurance policy protect me from theft of my products in my store or facility?](https://www.zensurance.com/blog/faq-items/will-a-cannabis-insurance-policy-protect-me-from-theft-of-my-products-in-my-store-or-facility): If you operate a retail store or dispensary, and a visitor or customer steals products - [Are government cannabis insurance requirements across Canada standardized for each province?](https://www.zensurance.com/blog/faq-items/are-government-cannabis-insurance-requirements-across-canada-standardized-for-each-province): No. Each province determines the required amount of coverage a cannabis business owner must have - [Does a standard cannabis insurance policy protect my business from data breaches or cyber-attacks?](https://www.zensurance.com/blog/faq-items/does-a-standard-cannabis-insurance-policy-protect-my-business-from-data-breaches-or-cyber-attacks): You need to have cyber liability insurance coverage included in your overall policy for protection - [If I plan to start teaching reiki as a course, do I need to change my policy?](https://www.zensurance.com/blog/faq-items/if-i-plan-to-start-teaching-reiki-as-a-course-do-i-need-to-change-my-policy): Yes, any changes to your business’s services – such as teaching a course based on - [Will reiki liability insurance cover other services that I provide?](https://www.zensurance.com/blog/faq-items/will-reiki-liability-insurance-cover-other-services-that-i-provide): Reiki liability insurance is designed to protect your specific reiki services. However, if you also - [Can I still get reiki insurance if I'm only a level 1 practitioner?](https://www.zensurance.com/blog/faq-items/can-i-still-get-reiki-insurance-if-im-only-a-level-1-practitioner): Yes, reiki practitioners of any level can hold a reiki insurance policy, however, years of - [If I rent out my mini excavator, will my insurance provide equipment coverage?](https://www.zensurance.com/blog/faq-items/if-i-rent-out-my-mini-excavator-will-my-insurance-provide-equipment-coverage): Some insurance companies are okay with insuring your mini excavator if you rent it to - [If my excavation project requires removing trees, am I covered?](https://www.zensurance.com/blog/faq-items/if-my-excavation-project-requires-removing-trees-am-i-covered): It may be necessary to include tree removal insurance to your policy for this type - [Will my commercial general liability cover grading of land as an additional service?](https://www.zensurance.com/blog/faq-items/will-my-commercial-general-liability-cover-grading-of-land-as-an-additional-service): As part of your company’s services, the grading of land must be stated to your - [If I’m leasing a commercial space for my flower shop and it is broken into overnight and ransacked by an unknown burglar, am I covered?](https://www.zensurance.com/blog/faq-items/if-im-leasing-a-commercial-space-for-my-flower-shop-and-it-is-broken-into-overnight-and-ransacked-by-an-unknown-burglar-am-i-covered): Yes. For damages to your contents such as your inventory or if your computer or - [Does florist insurance cover accidents that occur at another location such as a banquet hall?](https://www.zensurance.com/blog/faq-items/does-florist-insurance-cover-accidents-that-occur-at-another-location-such-as-a-banquet-hall): Yes. For example, suppose you’re creating a flower wall for a wedding that’s to be - [If a fire damages my flower shop and I am forced to close, will my policy cover my losses?](https://www.zensurance.com/blog/faq-items/if-a-fire-damages-my-flower-shop-and-i-am-forced-to-close-will-my-policy-cover-my-losses): Yes. Your commercial property insurance may pay for the damages caused by the fire to - [Is student housing insurance for a rental property a legal requirement?](https://www.zensurance.com/blog/faq-items/is-student-housing-insurance-for-a-rental-property-a-legal-requirement): No. A student housing insurance policy is not a legal requirement in Canada. However, if - [Does a student housing insurance policy also provide coverage for my tenants’ personal possessions?](https://www.zensurance.com/blog/faq-items/does-a-student-housing-insurance-policy-also-provide-coverage-for-my-tenants-personal-possessions): No. Each of your student tenants requires a personal tenant insurance policy to protect their - [Does a student housing insurance policy cover damages caused intentionally by a tenant?](https://www.zensurance.com/blog/faq-items/does-a-student-housing-insurance-policy-cover-damages-caused-intentionally-by-a-tenant): It depends. If one of your student tenants intentionally damages your property, such as spray - [What are the common risks for pilates instructors?](https://www.zensurance.com/blog/faq-items/what-are-the-common-risks-for-pilates-instructors): Any guided fitness activities tend to see liability claims relating to third-party bodily injury. These - [What additional insurance coverages does a pilates studio owner need?](https://www.zensurance.com/blog/faq-items/what-additional-insurance-coverages-does-a-pilates-studio-owner-need): Depending on your business, you may require increased policy limits to fully cover your risk. - [Does pilates insurance cover online classes?](https://www.zensurance.com/blog/faq-items/does-pilates-insurance-cover-online-classes): Yes. Whether you teach your class in person or virtually, you can be covered from - [I am employed as an occupational therapist assistant at a practice. My employer has insurance in place. Do I need to get my own policy?](https://www.zensurance.com/blog/faq-items/i-am-employed-as-an-occupational-therapist-assistant-at-a-practice-my-employer-has-insurance-in-place-do-i-need-to-get-my-own-policy): It depends. The insurance coverage your employer provides may have gaps that can leave you - [Does occupational therapy insurance provide coverage for virtual services?](https://www.zensurance.com/blog/faq-items/does-occupational-therapy-insurance-provide-coverage-for-virtual-services): Yes. Whether you provide your services in-person or virtually through a video conference call, your - [Is occupational therapy insurance portable?](https://www.zensurance.com/blog/faq-items/is-occupational-therapy-insurance-portable): Yes. If you move to another province or territory to practice or decide to change - [Is cyber liability insurance important for security service companies?](https://www.zensurance.com/blog/faq-items/is-cyber-liability-insurance-important-for-security-service-companies): Yes, it is. A cyber liability insurance policy protects your company from the cost of - [Do security companies need professional liability insurance?](https://www.zensurance.com/blog/faq-items/do-security-companies-need-professional-liability-insurance): Yes. Professional liability, or errors and omissions (E&O) insurance, is a must-have for security service - [What kind of insurance do individual security guards need?](https://www.zensurance.com/blog/faq-items/what-kind-of-insurance-do-individual-security-guards-need): Security guards are responsible for protecting their customers’ properties from the risk of vandalism, burglary, - [Is there coverage available for protection from breach of contract?](https://www.zensurance.com/blog/faq-items/is-there-coverage-available-for-protection-from-breach-of-contract): Yes. If you miss a client deadline and fail to deliver a project on time, - [If I hire contract dance instructors, are they covered in my insurance policy?](https://www.zensurance.com/blog/faq-items/if-i-hire-contract-dance-instructors-are-they-covered-in-my-insurance-policy): No, your policy will only cover full-time employees or volunteers. Any contracted or freelance dance - [Does my dance liability insurance cover online dance classes?](https://www.zensurance.com/blog/faq-items/does-my-dance-liability-insurance-cover-online-dance-classes): Yes, regardless of how you conduct your dance class, you’re responsible for the guidance you - [Is there a difference in coverage for dance instructors versus dance studios?](https://www.zensurance.com/blog/faq-items/is-there-a-difference-in-coverage-for-dance-instructors-versus-dance-studios): Yes, if you’re a freelance dance instructor, you’ll likely need professional liability and CGL. However, - [Is landlord insurance for a rental property a legal requirement?](https://www.zensurance.com/blog/faq-items/is-landlord-insurance-for-a-rental-property-a-legal-requirement): No. A landlord insurance policy is not mandatory for rental properties in Canada. However, it - [Does a landlord insurance policy cover damages caused by a tenant?](https://www.zensurance.com/blog/faq-items/does-a-landlord-insurance-policy-cover-damages-caused-by-a-tenant): It depends. Most landlord insurance policies will cover a rental property from named perils, like - [Are there additional coverages I should add to a general landlord insurance policy?](https://www.zensurance.com/blog/faq-items/are-there-additional-coverages-i-should-add-to-a-general-landlord-insurance-policy): Yes. There are additional or optional coverages you can include in a general landlord insurance - [Does my social worker insurance extend coverage if I work in different provinces?](https://www.zensurance.com/blog/faq-items/does-my-social-worker-insurance-extend-coverage-if-i-work-in-different-provinces): Yes, your social worker insurance (Malpractice Insurance) will cover your business activities throughout Canada. - [Does my insurance cover social workers while in training?](https://www.zensurance.com/blog/faq-items/does-my-insurance-cover-social-workers-while-in-training): Yes, insurance may cover the liability of full-time employees, including apprentices or social workers in - [Is it required to get my insurance from an association?](https://www.zensurance.com/blog/faq-items/is-it-required-to-get-my-insurance-from-an-association): No, you don’t have to get insurance from an association. There’s an assumption social workers - [What do insurance companies need to know about my professional cleaning business?](https://www.zensurance.com/blog/faq-items/what-do-insurance-companies-need-to-know-about-my-professional-cleaning-business): To better understand the type of policy you need and the potential risks your business - [How can I reduce the risks of my cleaning business to get a lower premium?](https://www.zensurance.com/blog/faq-items/how-can-i-reduce-the-risks-of-my-cleaning-business-to-get-a-lower-premium): Any business that takes proactive steps to mitigate its risks from potential losses, damages, or - [Does the equipment or cleaning chemicals I use affect my annual insurance premium?](https://www.zensurance.com/blog/faq-items/does-the-equipment-or-cleaning-chemicals-i-use-affect-my-annual-insurance-premium): Your insurer will want to know what equipment you use as well as the types - [How can I prevent my business fleet insurance premium from rising upon renewal?](https://www.zensurance.com/blog/faq-items/how-can-i-prevent-my-business-fleet-insurance-premium-from-rising-upon-renewal): Beyond ensuring your drivers obey the rules of the road, avoid getting into collisions or - [How can I reduce the cost of a motor fleet vehicle insurance policy?](https://www.zensurance.com/blog/faq-items/how-can-i-reduce-the-cost-of-a-motor-fleet-vehicle-insurance-policy): There are many things you can do to help lower your commercial fleet insurance costs. - [What is the difference between a commercial auto policy and a fleet vehicle insurance policy?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-a-commercial-auto-policy-and-a-fleet-vehicle-insurance-policy): A commercial auto policy is designed to cover one vehicle that is used for business - [Do you offer insurance for seasonal work or per project?](https://www.zensurance.com/blog/faq-items/do-you-offer-insurance-for-seasonal-work-or-per-project): No, but if your business offers different seasonal services, we can provide you with an - [Are contractors in Ontario required to have an insurance policy?](https://www.zensurance.com/blog/faq-items/are-contractors-in-ontario-required-to-have-an-insurance-policy): Yes. At a minimum, Ontario contractors are required to have general liability insurance, which provides - [How are claims made by independent contractors and tradespeople handled?](https://www.zensurance.com/blog/faq-items/how-are-claims-made-by-independent-contractors-and-tradespeople-handled): Whenever an insured (that’s you) submits a claim to Zensurance’s claims team, we move immediately - [Does photographer insurance include coverage for video gear?](https://www.zensurance.com/blog/faq-items/does-photographer-insurance-include-coverage-for-video-gear): You may need a customized policy to insure film equipment such as video cameras. Speak - [Is professional liability insurance important for a photographer?](https://www.zensurance.com/blog/faq-items/is-professional-liability-insurance-important-for-a-photographer): Yes, it is. Think of professional liability as a type of malpractice insurance for shutterbugs. - [Do I need photography insurance even if I’m not a professional photographer?](https://www.zensurance.com/blog/faq-items/do-i-need-photography-insurance-even-if-im-not-a-professional-photographer): Yes. Both professional and amateur photographers should purchase a policy to protect their equipment and - [How does the type of pool being installed affect my insurance premium?](https://www.zensurance.com/blog/faq-items/how-does-the-type-of-pool-being-installed-affect-my-insurance-premium): In-ground pools are considered to be a greater risk than above-ground pools and hot tubs. - [Could I be held liable for pool damages after the completion of services?](https://www.zensurance.com/blog/faq-items/could-i-be-held-liable-for-pool-damages-after-the-completion-of-services): Yes, you could be held liable for damages if they are in correlation with the - [What is excluded from a swimming pool contractor insurance policy?](https://www.zensurance.com/blog/faq-items/what-is-excluded-from-a-swimming-pool-contractor-insurance-policy): Although every insurance policy is unique and based upon your situation and needs, some common - [What is excluded from a sports instructor insurance policy?](https://www.zensurance.com/blog/faq-items/what-is-excluded-from-a-sports-instructor-insurance-policy): Coverage for virtual training sessions or training materials that are accessible to the general public - [Is participant injury covered in a sports insurance policy?](https://www.zensurance.com/blog/faq-items/is-participant-injury-covered-in-a-sports-insurance-policy): If someone who is participating in a game or tournament your organization is hosting or - [Does my sports team insurance include coverage for international tournaments?](https://www.zensurance.com/blog/faq-items/does-my-sports-team-insurance-include-coverage-for-international-tournaments): No. Your existing sports team insurance coverage is only valid for tournaments occurring in Canada. - [Do I need to let my insurance broker know if I change ingredients to my food items?](https://www.zensurance.com/blog/faq-items/do-i-need-to-let-my-insurance-broker-know-if-i-change-ingredients-to-my-food-items): Yes. Any material changes to your products or business needs to be approved by the - [Will I be liable for lawsuits if I sell my baked goods from a third-party delivery app?](https://www.zensurance.com/blog/faq-items/will-i-be-liable-for-lawsuits-if-i-sell-my-baked-goods-from-a-third-party-delivery-app): Yes. The liability falls back onto the owner of the business for any products sold - [What is an ‘additional insured’ endorsement on a bakery business insurance policy?](https://www.zensurance.com/blog/faq-items/what-is-an-additional-insured-endorsement-on-a-bakery-business-insurance-policy): If your bakery hosts an event at another location other than your shop, the event - [How much insurance do I need for my auto repair shop?](https://www.zensurance.com/blog/faq-items/how-much-insurance-do-i-need-for-my-auto-repair-shop): How much coverage your auto repair shop needs depends on several factors, including where your - [Do I need additional coverage if my auto repair shop also sells used cars?](https://www.zensurance.com/blog/faq-items/do-i-need-additional-coverage-if-my-auto-repair-shop-also-sells-used-cars): Provided your auto repair shop has a used car dealer licence as per your province’s - [Does my insurance policy cover my mechanics in training?](https://www.zensurance.com/blog/faq-items/does-my-insurance-policy-cover-my-mechanics-in-training): A comprehensive package featuring commercial general liability and E&O (errors and omissions) insurance may cover - [What is the difference between Airbnb host protection insurance and a personal tenant insurance policy?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-airbnb-host-protection-insurance-and-a-personal-tenant-insurance-policy): Airbnb’s host protection insurance is automatically applied to all Airbnb hosts. It may cover your - [Will a personal homeowner insurance policy cover my Airbnb rental?](https://www.zensurance.com/blog/faq-items/will-a-personal-homeowner-insurance-policy-cover-my-airbnb-rental): No. It is unlikely that your existing home insurance company will cover the cost of - [How are claims made by Airbnb hosts handled?](https://www.zensurance.com/blog/faq-items/how-are-claims-made-by-airbnb-hosts-handled): Whenever an insured (that’s you) submits a claim to Zensurance’s claims team, we move immediately - [What’s the difference between a product recall and product liability insurance?](https://www.zensurance.com/blog/faq-items/whats-the-difference-between-a-product-recall-and-product-liability-insurance): A product recall can be expensive, logistically complex, and it can severely damage your company’s - [Will my product liability insurance cover me for products sold to other countries?](https://www.zensurance.com/blog/faq-items/will-my-product-liability-insurance-cover-me-for-products-sold-to-other-countries): Yes, unless stated otherwise in the policy. Product liability coverage is designed to cover a - [How do my products get evaluated in terms of risk?](https://www.zensurance.com/blog/faq-items/how-do-my-products-get-evaluated-in-terms-of-risk): The products your facility uses and manufacturers are evaluated according to several criteria. For instance, - [Does my home insurance cover my freelance business?](https://www.zensurance.com/blog/faq-items/does-my-home-insurance-cover-my-freelance-business): It’s a common assumption that home-based small businesses are automatically covered by a homeowners policy, - [If I’m travelling while working, am I still covered?](https://www.zensurance.com/blog/faq-items/if-im-travelling-while-working-am-i-still-covered): Typically, freelancer insurance policies will cover you for business-related activities within Canada. Some coverages, such - [Does freelancer insurance cover my services on third-party marketplaces?](https://www.zensurance.com/blog/faq-items/does-freelancer-insurance-cover-my-services-on-third-party-marketplaces): Yes. Freelancer insurance covers your work on websites that you don’t own (for example, if - [Will acupuncture malpractice insurance cover my home-based clinic?](https://www.zensurance.com/blog/faq-items/will-acupuncture-malpractice-insurance-cover-my-home-based-clinic): Yes. Acupuncture malpractice insurance provides protection for home-based clinics. - [Does acupuncture insurance cover other services that I provide?](https://www.zensurance.com/blog/faq-items/does-acupuncture-insurance-cover-other-services-that-i-provide): Yes, with acupuncture insurance you can extend your coverage for other services that you also - [How much acupuncture liability coverage should I get?](https://www.zensurance.com/blog/faq-items/how-much-acupuncture-liability-coverage-should-i-get): Liability and malpractice claims can cost thousands of dollars – sometimes even more than that, therefore - [Is a pickup truck considered a commercial vehicle?](https://www.zensurance.com/blog/faq-items/is-a-pickup-truck-considered-a-commercial-vehicle): In general, most provinces consider pickup trucks to be commercial motor vehicles if they are - [Are my tools covered under my commercial auto policy?](https://www.zensurance.com/blog/faq-items/are-my-tools-covered-under-my-commercial-auto-policy): You may require an enhancement to your policy to protect your tools and equipment. Tools - [If I use my personal vehicle for work and get into an accident, will my personal car insurance policy pay for damages?](https://www.zensurance.com/blog/faq-items/if-i-use-my-personal-vehicle-for-work-and-get-into-an-accident-will-my-personal-car-insurance-policy-pay-for-damages): Not necessarily. If the insurer for your existing personal auto policy is unaware you are - [Is equipment breakdown insurance necessary for campgrounds and RV parks?](https://www.zensurance.com/blog/faq-items/is-equipment-breakdown-insurance-necessary-for-campgrounds-and-rv-parks): If your campground or RV park has a restaurant, bar, or general store on the - [Is liquor liability coverage necessary for campgrounds and RV parks?](https://www.zensurance.com/blog/faq-items/is-liquor-liability-coverage-necessary-for-campgrounds-and-rv-parks): If your campground or RV park has a bar or restaurant that serves alcohol on - [Does campground and RV park insurance cover damages to boats or other equipment visitors rent?](https://www.zensurance.com/blog/faq-items/does-campground-and-rv-park-insurance-cover-damages-to-boats-or-other-equipment-visitors-rent): If one of your guests accidentally damages a boat or other item they rented from - [Is equipment breakdown coverage necessary for bars and pubs?](https://www.zensurance.com/blog/faq-items/is-equipment-breakdown-coverage-necessary-for-bars-and-pubs): Yes. Including equipment breakdown coverage in your bar and pub insurance policy helps protect you - [Does a bar and pub insurance policy provide coverage for theft by an employee or customer?](https://www.zensurance.com/blog/faq-items/does-a-bar-and-pub-insurance-policy-provide-coverage-for-theft-by-an-employee-or-customer): Commercial property coverage protects you from theft by a customer or unknown person by forcible - [Is liquor liability insurance required for bars and pubs?](https://www.zensurance.com/blog/faq-items/is-liquor-liability-insurance-required-for-bars-and-pubs): Yes. Any establishment that serves alcoholic beverages is required to have liquor liability insurance. You - [Is additional coverage required for some film productions?](https://www.zensurance.com/blog/faq-items/is-additional-coverage-required-for-some-film-productions): Yes, for specific projects, filmmakers may require equipment or enter into scenarios that aren’t covered - [What’s the difference between short-term and long-term film insurance?](https://www.zensurance.com/blog/faq-items/whats-the-difference-between-short-term-and-long-term-film-insurance): Short-term film insurance generally covers you on a per-project basis. This type of insurance is - [Will film production insurance provide coverage on different sets or locations?](https://www.zensurance.com/blog/faq-items/will-film-production-insurance-provide-coverage-on-different-sets-or-locations): Yes. Film production insurance includes liability and property coverage wherever you are working in Canada. - [Does my insurance cover soap products sold on third-party marketplaces?](https://www.zensurance.com/blog/faq-items/does-my-insurance-cover-soap-products-sold-on-third-party-marketplaces): Yes, absolutely. Your Soap Maker Insurance can cover your business should you sell soaps in-person, - [Will Soap Makers Insurance cover other products that I sell?](https://www.zensurance.com/blog/faq-items/will-soap-makers-insurance-cover-other-products-that-i-sell): Yes, other products may be covered under your Soap Maker Insurance policy. Soap-related products could - [Do I still need insurance if I just teach soap making?](https://www.zensurance.com/blog/faq-items/do-i-still-need-insurance-if-i-just-teach-soap-making): Yes, you will still require insurance, but some of the insurance policies will differ from - [Will Amazon sellers insurance cover me for all the products I sell on the Amazon Marketplace?](https://www.zensurance.com/blog/faq-items/will-amazon-sellers-insurance-cover-me-for-all-the-products-i-sell-on-the-amazon-marketplace): Yes. A customized Amazon sellers insurance package from Zensurance is designed to cover the products - [How much insurance coverage do I need to sell products on Amazon?](https://www.zensurance.com/blog/faq-items/how-much-insurance-coverage-do-i-need-to-sell-products-on-amazon): Amazon requires all sellers to carry liability insurance if they earn $10,000 in monthly sales - [What is a ‘Certificate of Insurance’ for vendors?](https://www.zensurance.com/blog/faq-items/what-is-a-certificate-of-insurance-for-vendors): A Certificate of Insurance is a document that provides evidence of active insurance coverages and - [Does my Vendor Insurance policy cover multiple locations and venues?](https://www.zensurance.com/blog/faq-items/does-my-vendor-insurance-policy-cover-multiple-locations-and-venues): Yes. Vendor Insurance will cover your business wherever you operate in Canada. - [How much Vendor Liability Insurance do I need?](https://www.zensurance.com/blog/faq-items/how-much-vendor-liability-insurance-do-i-need): Most venues require vendors to hold Liability Insurance, but the minimum coverage limits vary. You - [Is Contractor Tool Cover Insurance worth it?](https://www.zensurance.com/blog/faq-items/is-contractor-tools-insurance-worth-it): Yes – Chances are, all of your projects rely on specific tools and equipment to - [Can I purchase a standalone Tools and Equipment Insurance policy?](https://www.zensurance.com/blog/faq-items/can-i-purchase-a-standalone-tools-and-equipment-insurance-policy): Yes, you can, but typically, Tools and Equipment Insurance is part of a policy package - [What is the difference between Commercial Property Insurance and Tool Insurance?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-commercial-property-insurance-and-tool-insurance): Commercial Property Insurance covers commercial property (owned or leased), and the physical contents within that - [Do I have to get liability insurance from a physiotherapy association?](https://www.zensurance.com/blog/faq-items/do-i-have-to-get-liability-insurance-from-a-physiotherapy-association): No, it’s not mandatory to purchase insurance through an association. Organizations such as the Canadian - [What is the required insurance coverage limit for physiotherapists?](https://www.zensurance.com/blog/faq-items/what-is-the-required-insurance-coverage-limit-for-physiotherapists): Each Canadian province requires a different amount of coverage, with many provinces requiring a minimum - [Does Physiotherapy Insurance cover my clinic?](https://www.zensurance.com/blog/faq-items/does-physiotherapy-insurance-cover-my-clinic): Yes, whether you own your clinic or rent, your clinic and employees can be covered - [What types of drones can you cover?](https://www.zensurance.com/blog/faq-items/what-types-of-drones-can-you-cover): We can provide coverage for commercial drones used for things like photography, video or inspection - [Does my drone liability insurance cover all of the areas that I fly?](https://www.zensurance.com/blog/faq-items/does-my-drone-liability-insurance-cover-all-of-the-areas-that-i-fly): Your drone liability insurance coverage will not cover all locations due to the risks involved. - [Do I need separate liability insurance for my drone?](https://www.zensurance.com/blog/faq-items/do-i-need-separate-liability-insurance-for-my-drone): Yes. Most general liability policies exclude coverage for aircraft or unmanned aerial vehicles (UAVs) like - [Are insurance coverages the same for home office vs. commercial office?](https://www.zensurance.com/blog/faq-items/are-insurance-coverages-the-same-for-home-office-vs-commercial-office): In short, yes – you’d be covered for third-party liability and business-owned property – but - [Does my office insurance cover employee injuries?](https://www.zensurance.com/blog/faq-items/does-my-office-insurance-cover-employee-injuries): No, your Office Insurance policy would only cover you for bodily injury to a third - [If I'm renting an office, do I need tenant office insurance?](https://www.zensurance.com/blog/faq-items/if-im-renting-an-office-do-i-need-tenant-office-insurance): Yes, it’s essential to have insurance coverage even if you’re renting or leasing an office. - [Do Psychology Intern/Students need to carry insurance?](https://www.zensurance.com/blog/faq-items/do-psychology-intern-students-need-to-carry-insurance): Yes, it’s strongly advised that students and intern psychologists carry Professional Liability Insurance. Interns are - [Do I have to get insurance from a psychology association?](https://www.zensurance.com/blog/faq-items/do-i-have-to-get-insurance-from-a-psychology-association): No, though some associations (e. g. CPA) may offer insurance policies as part of a benefit - [What is the minimum amount of professional liability insurance coverage psychologists need to have?](https://www.zensurance.com/blog/faq-items/what-is-the-minimum-amount-of-professional-liability-insurance-coverage-psychologists-need-to-have): There isn’t a minimum requirement; however, it is recommended to carry at least $1 million - [Are Life Insurance Agents required to carry E&O insurance?](https://www.zensurance.com/blog/faq-items/are-life-insurance-agents-required-to-carry-eo-insurance): Yes, in Canada, E&O Insurance is mandatory for Life Insurance Agents. You’ll need to get - [What is the minimum E&O coverage requirement for Life Insurance Agents?](https://www.zensurance.com/blog/faq-items/what-is-the-minimum-eo-coverage-requirement-for-life-insurance-agents): Provinces have different minimums for E&O coverage, so check with your broker if you need - [What are the consequences of not having the required E&O insurance coverage?](https://www.zensurance.com/blog/faq-items/what-are-the-consequences-of-not-having-the-required-eo-insurance-coverage): If you fail to hold an active E&O insurance policy, it can result in consequences - [What are the insurance requirements for home inspectors?](https://www.zensurance.com/blog/faq-items/what-are-the-insurance-requirements-for-home-inspectors): Some provinces in Canada (e. g. Ontario) require home inspectors by law to carry both Errors - [If I operate a home inspection company, does my policy cover my employees?](https://www.zensurance.com/blog/faq-items/if-i-operate-a-home-inspection-company-does-my-policy-cover-my-employees): Yes, employees may be covered by your home inspection insurance policy. However, your policy limit - [Can a home inspector be sued?](https://www.zensurance.com/blog/faq-items/can-a-home-inspector-be-sued): Yes – home inspectors have a duty to perform their job to industry standards. Prospective - [Are subcontractors covered in my Oil and Gas Insurance policy?](https://www.zensurance.com/blog/faq-items/are-subcontractors-covered-in-my-oil-and-gas-insurance-policy): No, subcontractors aren’t covered, but all employees are. However, your policy limit typically applies to - [Does my insurance policy cover multiple oil and gas job sites?](https://www.zensurance.com/blog/faq-items/does-my-insurance-policy-cover-multiple-oil-and-gas-job-sites): Yes, your insurance policy will cover the various oil and gas sites that you are - [Does Oil and Gas Consultant Insurance provide coverage for oil transportation?](https://www.zensurance.com/blog/faq-items/does-oil-and-gas-consultant-insurance-provide-coverage-for-oil-transportation): Unfortunately, we do not provide insurance for any upstream production or downstream transportation of oil.   - [Will sole proprietorship insurance cover if I get injured?](https://www.zensurance.com/blog/faq-items/will-sole-proprietorship-insurance-cover-if-i-get-injured): No – Sole Proprietorship Insurance only covers claims alleging third-party bodily injuries or property damages. - [Does my business have to be registered to get liability insurance?](https://www.zensurance.com/blog/faq-items/does-my-business-have-to-be-registered-to-get-liability-insurance): Yes – to qualify to get liability insurance, most businesses will need to be registered. - [Do I need insurance as a sole proprietorship business?](https://www.zensurance.com/blog/faq-items/do-i-need-insurance-as-a-sole-proprietorship-business): Yes – even the smallest, one-person businesses should obtain liability insurance. There are risks that - [Does my Life Coach Insurance extend coverage if I work in different provinces?](https://www.zensurance.com/blog/faq-items/does-my-life-coach-insurance-extend-coverage-if-i-work-in-different-provinces): Yes, your Life Coach Insurance (i. e. Professional Liability Insurance) will cover your business activities throughout - [Will Life Coach Insurance cover all different types of coaching?](https://www.zensurance.com/blog/faq-items/will-life-coach-insurance-cover-all-different-types-of-coaching): Yes, Life Coach Insurance can provide coverage for all different types of personal development coaching, - [Does Life Coach Insurance cover employees while in training?](https://www.zensurance.com/blog/faq-items/does-life-coach-insurance-cover-employees-while-in-training): Yes, insurance may cover the liability of full-time employees, including apprentices in training. However, your - [Will my malpractice insurance cover me for other services that I provide?](https://www.zensurance.com/blog/faq-items/will-my-malpractice-insurance-cover-me-for-other-services-that-i-provide): Yes, malpractice insurance could provide coverage beyond your chiropractic services if you offer other related - [How much malpractice insurance should a chiropractor have?](https://www.zensurance.com/blog/faq-items/how-much-malpractice-insurance-should-a-chiropractor-have): Each province requires a different minimum limit within Canada, starting about $1,000,000 in coverage limit - [Do I have to get chiropractor malpractice insurance from a regulatory association (e.g. CCPA)?](https://www.zensurance.com/blog/faq-items/do-i-have-to-get-chiropractor-malpractice-insurance-from-a-regulatory-association-e-g-ccpa): No, it’s not mandatory to purchase insurance through a regulatory association. Organizations such as CCPA - [If I sell candles as a part-time business at home, will my home insurance cover it?](https://www.zensurance.com/blog/faq-items/if-i-sell-candles-as-a-part-time-business-at-home-will-my-home-insurance-cover-it): To be fully protected, you’ll likely need commercial property and product liability insurance. Your home - [Will my insurance premium rise if I sell candles with wicks?](https://www.zensurance.com/blog/faq-items/will-my-insurance-premium-rise-if-i-sell-candles-with-wicks): Selling candles with wicks or any other ignitible candle-related product can increase the likelihood of - [Should I still get insurance if I sell candles online on third-party marketplaces? (e.g, Etsy, Amazon)](https://www.zensurance.com/blog/faq-items/should-i-still-get-insurance-if-i-sell-candles-online-on-third-party-marketplaces-e-g-etsy-amazon): Yes – regardless of whether you have a store full of candles or sell candles - [Will my insurance policy cover all phases of the engineering project?](https://www.zensurance.com/blog/faq-items/will-my-insurance-policy-cover-all-phases-of-the-engineering-project): Yes. While you (or one of your employees) are working on the project, you will - [Does my policy cover engineers in training?](https://www.zensurance.com/blog/faq-items/does-my-policy-cover-engineers-in-training): Yes.   Engineers-in-training would also be covered under your policy. Please note, your policy limit typically - [Does Engineering Insurance cover all types of engineers?](https://www.zensurance.com/blog/faq-items/does-engineering-insurance-cover-all-types-of-engineers): Yes.   Engineering Insurance combines several insurance policies to provide comprehensive coverage that’s right for your - [If I sell roof shingles to my clients, will this be covered in my roofing insurance policy?](https://www.zensurance.com/blog/faq-items/if-i-sell-roof-shingles-to-my-clients-will-this-be-covered-in-my-roofing-insurance-policy): If you sell any products as an extension to your general roofing services, then adding - [Is roofing insurance legally required by law?](https://www.zensurance.com/blog/faq-items/is-roofing-insurance-legally-required-by-law): No, roofing contractors are not legally obligated to carry insurance to operate their business in - [Does my insurance policy cover multiple properties that I manage?](https://www.zensurance.com/blog/faq-items/does-my-insurance-policy-cover-multiple-properties-that-i-manage): Yes, your insurance policy will typically extend coverage to multiple properties managed by your business. - [Does my insurance policy cover sub-contractors?](https://www.zensurance.com/blog/faq-items/does-my-insurance-policy-cover-sub-contractors): Most insurance policies only cover full-time employees of the business and typically exclude subcontractors. Coverage - [Can I purchase a standalone Legal Expense policy?](https://www.zensurance.com/blog/faq-items/can-i-purchase-a-standalone-legal-expense-policy): Legal Expense Insurance is a standalone policy designed to help business owners navigate legal situations. - [Who do I call to obtain legal advice?](https://www.zensurance.com/blog/faq-items/who-do-i-call-to-obtain-legal-advice): Legal expense policyholders will have a phone number listed within the insurance documents that will - [Is Legal Expense Insurance mandatory?](https://www.zensurance.com/blog/faq-items/is-legal-expense-insurance-mandatory): Legal Expense Insurance is not mandatory to operate your business, but as a busy business - [What is the difference between property Insurance and builder's risk insurance?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-property-insurance-and-builders-risk-insurance): Builder’s Risk Insurance is a special type of Property Insurance covering you for the duration - [Does Commercial Property Insurance cover vacant properties?](https://www.zensurance.com/blog/faq-items/does-commercial-property-insurance-cover-vacant-properties): Non-residential property is considered vacant after 30 days and seen as high-risk. When your property - [What is the difference between All-Risk and Named Peril insurance coverage?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-all-risk-and-named-peril-insurance-coverage): As the name suggests, All-Risk insurance coverage covers all losses unless otherwise specified. Named Peril - [Who is considered third-party?](https://www.zensurance.com/blog/faq-items/who-is-considered-third-party): As a business owner, if you come into contact with any third parties, including clients, - [What is Errors and Omissions Insurance?](https://www.zensurance.com/blog/faq-items/what-is-errors-and-omissions-insurance): Errors and Omissions Insurance (E&O), also referred to as Professional Liability Insurance, provides financial protection - [How is a business interruption claim calculated?](https://www.zensurance.com/blog/faq-items/how-is-a-business-interruption-claim-calculated): Different types of Business Interruption coverage will determine how payout is calculated. Most policies cover - [Can you get Business Interruption Insurance as a standalone policy?](https://www.zensurance.com/blog/faq-items/can-you-get-business-interruption-insurance-as-a-standalone-policy): Business Interruption Insurance is typically included in a commercial property insurance policy or business owner’s - [Does Business Interruption Insurance cover pandemic (e.g., COVID-19) related closures?](https://www.zensurance.com/blog/faq-items/does-business-interruption-insurance-cover-pandemic-e-g-covid-19-related-closures): Standard business interruption insurance provides coverage for damages sustained due to direct physical loss or - [What type of insurance coverage does an on-site private tutor need?](https://www.zensurance.com/blog/faq-items/what-type-of-insurance-coverage-does-an-on-site-private-tutor-need): Tutors providing services in a client’s home or a learning pod environment require additional coverage - [Does tutor insurance cover learning pods?](https://www.zensurance.com/blog/faq-items/does-tutor-insurance-cover-learning-pods): Yes, tutor insurance provides coverage for tutors offering private/semi-private education in learning pods and micro-schools. - [Do non-profit Directors and Officers have the same responsibilities as corporate board members?](https://www.zensurance.com/blog/faq-items/do-non-profit-directors-and-officers-have-the-same-responsibilities-as-corporate-board-members): Yes, both corporate and non-profit board and advisory members are required to exercise their fiduciary - [What is the difference between public liability insurance and general liability insurance?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-public-liability-insurance-and-commercial-general-liability-insurance): The primary difference between Public Liability Insurance and Commercial General Liability (CGL) insurance is the - [Does Non-Profit Insurance cover volunteers?](https://www.zensurance.com/blog/faq-items/does-non-profit-insurance-cover-volunteers): Not all non-profit insurance policies automatically include coverage for volunteers. The level of risk varies - [What is the cancellation policy?](https://www.zensurance.com/blog/faq-items/what-is-the-cancellation-policy): Many policies can be canceled with a small early cancellation fee. Though some policies (typically - [Where do I go if I have a complaint?](https://www.zensurance.com/blog/faq-items/where-do-i-go-if-i-have-a-complaint): Our goal is to provide excellent service, but we recognize that there may be occasions - [Which online platforms are covered by Telehealth Insurance?](https://www.zensurance.com/blog/faq-items/which-online-platforms-are-covered-by-telehealth-insurance): Telehealth Insurance provides coverage for healthcare practitioners using any platform allowing for private online video, - [Does my current insurance cover interruption due to COVID-19?](https://www.zensurance.com/blog/faq-items/does-my-current-insurance-cover-interruption-due-to-covid-19): Standard business interruption insurance will not cover income lost or barriers to trade and/or travel - [Is there any insurance I can purchase to cover potential loss due to COVID-19?](https://www.zensurance.com/blog/faq-items/is-there-any-insurance-i-can-purchase-to-cover-potential-loss-due-to-covid-19): Unfortunately, there are no available insurance policies that could provide protection against COVID-19. Insurance is - [What are the different types of liability insurance?](https://www.zensurance.com/blog/faq-items/what-are-the-different-types-of-liability-insurance): Liability insurance is an umbrella term that refers to coverage for costs associated with third-party - [What is not covered by liability insurance?](https://www.zensurance.com/blog/faq-items/what-is-not-covered-by-liability-insurance): When it comes to insuring your business, it is important to understand where you’re covered - [How much does liability insurance cost?](https://www.zensurance.com/blog/faq-items/how-much-does-liability-insurance-cost): For a typical small- to medium-sized business, you can anticipate spending approximately $650 annually on - [How much liability insurance coverage do I need?](https://www.zensurance.com/blog/faq-items/how-much-liability-insurance-coverage-do-i-need): You should purchase as much coverage as you can afford. When determining how much general - [Do I need liability insurance?](https://www.zensurance.com/blog/faq-items/do-i-need-liability-insurance): Liability insurance is not a mandatory requirement for you to run your business. Still, it - [What does liability insurance cover?](https://www.zensurance.com/blog/faq-items/what-does-liability-insurance-cover): The risks you are exposed to as a business owner will vary based on the - [I work remotely, do I need liability insurance?](https://www.zensurance.com/blog/faq-items/i-work-remotely-do-i-need-liability-insurance): Yes, even if you work remotely or don’t have a physical office space, you still - [What is the difference between professional liability and commercial general liability insurance?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-professional-liability-and-commercial-general-liability-insurance): The primary difference between professional liability and commercial general liability (CGL) insurance is the type - [What is third-party liability insurance?](https://www.zensurance.com/blog/faq-items/what-is-third-party-liability-insurance): When it comes to liability insurance, it is important to understand who is covered if - [Do independent contractors need liability insurance?](https://www.zensurance.com/blog/faq-items/do-independent-contractors-need-liability-insurance): As an independent or freelance contractor, you are exposed to many of the same risks - [How do I get liability insurance?](https://www.zensurance.com/blog/faq-items/how-do-i-get-liability-insurance): We’ve made purchasing liability insurance for your business a quick and easy process. With our - [Is liability insurance mandatory?](https://www.zensurance.com/blog/faq-items/is-liability-insurance-mandatory): Liability insurance is not mandatory to operate your business, but as a business owner, you - [Does business insurance cover personal use?](https://www.zensurance.com/blog/faq-items/does-business-insurance-cover-personal-use): Generally speaking, business insurance does not cover personal use, meaning you cannot replace home insurance - [What are the most common coverage that I should opt to include by business insurance policy?](https://www.zensurance.com/blog/faq-items/what-are-the-most-common-coverage-that-i-should-opt-to-include-by-business-insurance-policy): Coverage requirements may differ for different industries. The most basic insurance policy that is applicable - [Does my homeowner’s policy cover disasters that occur due to business equipment failure?](https://www.zensurance.com/blog/faq-items/does-my-homeowners-policy-cover-disasters-that-occur-due-to-business-equipment-failure): Most homeowner’s policies do not cover any damages to your home that result from business-related - [What is the difference between General Liability Insurance and Home Based Business Insurance?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-general-liability-insurance-and-home-based-business-insurance): General liability insurance is a specific insurance policy that covers injury and damage to third-parties, - [Do I need a builders risk policy if I already have contractors insurance?](https://www.zensurance.com/blog/faq-items/do-i-need-a-builders-risk-policy-if-i-already-have-contractors-insurance): Yes. A typical contractor’s insurance policy does not cover buildings under construction. It is essential - [Is Product Liability Insurance legally mandatory for retail and e-commerce stores?](https://www.zensurance.com/blog/faq-items/is-product-liability-insurance-legally-mandatory-for-retail-and-e-commerce-stores): In most industries, product liability insurance is not mandatory, however, it is strongly recommended, especially - [Does Product Liability Coverage cover damages to my stock and inventory?](https://www.zensurance.com/blog/faq-items/does-product-liability-coverage-cover-damages-to-my-stock-and-inventory): No. All forms of liability insurance only cover damages to a third-party. Injuries to you - [What is the difference between Product Liability Insurance and General Liability Insurance?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-product-liability-insurance-and-general-liability-insurance): General Liability Insurance provides protection in a wide range of cases where a third-party suffers - [What sort of equipment requires equipment breakdown insurance?](https://www.zensurance.com/blog/faq-items/what-sort-of-equipment-requires-equipment-breakdown-insurance): Equipment breakdown insurance applies to a broad range of machinery and equipment crucial to your - [Do I need equipment breakdown coverage if I already have warranty on my equipment?](https://www.zensurance.com/blog/faq-items/do-i-need-equipment-breakdown-coverage-if-i-already-have-warranty-on-my-equipment): Review your warranty policy carefully. Whether your equipment came with a warranty when you purchased - [Is there a difference between equipment breakdown coverage and contents coverage?](https://www.zensurance.com/blog/faq-items/is-there-a-difference-between-equipment-breakdown-coverage-and-contents-coverage): Yes. Content coverage will protect your property, including premises, equipment, machinery, and computers in cases - [Do I need malpractice insurance in addition to professional indemnity insurance?](https://www.zensurance.com/blog/faq-items/do-i-need-malpractice-insurance-in-addition-to-professional-indemnity-insurance): Malpractice insurance and professional indemnity insurance provide the same coverage. In some industries, such as - [Does professional indemnity insurance also provide coverage for professional tools I use for work?](https://www.zensurance.com/blog/faq-items/does-professional-indemnity-insurance-also-provide-coverage-for-professional-tools-i-use-for-work): No. Professional Indemnity only covers losses to third parties caused by errors or omissions in - [What is the difference between professional indemnity insurance and professional liability insurance?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-professional-indemnity-insurance-and-professional-liability-insurance): There is no difference between the two in Canada; however, Professional Indemnity Insurance is a - [Does Public Liability provide coverage for damage to my business’s property?](https://www.zensurance.com/blog/faq-items/does-public-liability-provide-coverage-for-damage-to-my-businesss-property): No, Public Liability Insurance is designed to protect you in claims from third-party injuries or - [Does Public Liability provide coverage for errors and omissions?](https://www.zensurance.com/blog/faq-items/does-public-liability-provide-coverage-for-errors-and-omissions): No, Public Liability Insurance only provides coverage for accidental injuries and property damage to third - [What is the difference between Public liability and Commercial General Liability?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-public-liability-and-commercial-general-liability): There is no difference between the two in Canada. Public Liability Insurance is a term - [Do I need salon booth rental insurance if I am renting a chair?](https://www.zensurance.com/blog/faq-items/do-i-need-salon-booth-rental-insurance-if-i-am-renting-a-chair): You may need it because it’s possible that the salon where you are renting your - [What is the difference between hair salon liability insurance and professional liability insurance?](https://www.zensurance.com/blog/faq-items/do-i-need-hair-salon-booth-rental-insurance-if-i-am-renting-a-chair): Professional liability insurance is a type of insurance policy designed to protect professionals who provide - [How much does hair stylist insurance cost?](https://www.zensurance.com/blog/faq-items/how-much-does-hair-stylist-insurance-cost): The cost of your hairstylist insurance policy will depend on a few different factors, such - [Am I legally required to obtain Tenant Liability Insurance?](https://www.zensurance.com/blog/faq-items/am-i-legally-required-to-obtain-tenant-liability-insurance): Although you are not legally required to obtain Tenant Liability Insurance, it is common practice - [Does my Commercial Tenant Insurance policy cover my company’s property and equipment (computers, furniture, etc)?](https://www.zensurance.com/blog/faq-items/does-my-tenant-insurance-policy-cover-my-companys-property-and-equipment-computers-furniture-etc): Coverage for your company’s assets and equipment is not provided under a Commercial Tenant Insurance - [Is Commercial Tenant Liability Insurance the same as Commercial General Liability Insurance?](https://www.zensurance.com/blog/faq-items/is-tenant-liability-insurance-the-same-as-commercial-general-liability-insurance): Commercial General Liability Insurance is a general policy that applies to all sorts of businesses - [What is the difference between Technology Insurance and Tech E&O Insurance?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-technology-insurance-and-tech-eo-insurance): Technology and Startup Insurance is a specialized policy for technology companies (e. g. Software Developers, IT - [Are Legal Expenses covered under my Technology Insurance policy?](https://www.zensurance.com/blog/faq-items/are-legal-expenses-covered-under-my-technology-insurance-policy): You may choose to add Legal Expense coverage to your Technology Insurance policy (and we - [Is Technology Insurance the same as Cyber Liability Insurance?](https://www.zensurance.com/blog/faq-items/is-technology-insurance-the-same-as-cyber-liability-insurance): Technology Insurance could broadly include several different insurance policies, including Cyber Insurance. Cyber Liability insurance - [Is Architect Insurance mandatory for architects before signing contracts?](https://www.zensurance.com/blog/faq-items/is-architect-insurance-mandatory-for-architects-before-signing-contracts): Architect Insurance is not required by law, but it is difficult to land any sizeable - [Can an architect be liable for projects completed in the past?](https://www.zensurance.com/blog/faq-items/do-architects-require-liability-insurance-for-projects-completed-in-the-past): Yes. Design errors in a project can be discovered years after the project is completed, - [What coverages should architects have in their insurance policy?](https://www.zensurance.com/blog/faq-items/what-coverages-should-architects-have-in-their-insurance-policy): The most basic policy recommended for any business is General Liability. It protects a business - [Does General Liability Insurance protect my inventory and stock?](https://www.zensurance.com/blog/faq-items/retail-3): No, General Liability Insurance is a coverage designed to protect you from the consequences that - [Is employee theft covered under Crime Insurance?](https://www.zensurance.com/blog/faq-items/is-employee-theft-covered-under-crime-insurance): Yes, Crime Insurance is a coverage that may protect your business from employee theft including - [Can I have my landlord listed as additional insured?](https://www.zensurance.com/blog/faq-items/can-i-have-my-landlord-listed-as-additional-insured): Yes, this is a very standard requirement. Please provide us with the legal name and - [Do I need equipment breakdown coverage?](https://www.zensurance.com/blog/faq-items/do-i-really-need-equipment-breakdown-coverage): Yes. Equipment breakdown insurance covers your restaurant’s cost of repairing or replacing equipment and appliances - [Does commercial crime insurance cover employee and common theft?](https://www.zensurance.com/blog/faq-items/does-commercial-crime-insurance-cover-employee-and-common-theft): Commercial crime insurance protects your business from employee theft including stolen cash and credit card - [Is liquor liability an important coverage for my restaurant?](https://www.zensurance.com/blog/faq-items/is-liquor-liability-an-important-coverage-for-my-restaurant): Yes. If you serve alcohol at your restaurant, liquor liability coverage is essential and likely - [Is legal expense insurance included in a standard media and marketing insurance policy?](https://www.zensurance.com/blog/faq-items/is-legal-expense-insurance-included-in-a-standard-media-and-marketing-insurance-policy): No, but you can add legal expense coverage to create a comprehensive media and marketing - [What are the most common risks that media and marketing professionals face?](https://www.zensurance.com/blog/faq-items/what-are-the-most-common-risks-that-media-and-marketing-professionals-face): The most common risks that professionals in the media and marketing industry face are lawsuits - [Is Cyber Liability Insurance necessary for a hotel?](https://www.zensurance.com/blog/faq-items/is-cyber-liability-insurance-necessary-for-a-hotel): Cyber liability may not necessarily apply to all hotels, but many hotels and lodging establishments - [Is liquor liability an important coverage for my hotel?](https://www.zensurance.com/blog/faq-items/is-liquor-liability-an-important-coverage-for-my-hotel): If you serve alcohol, you should consider protecting your business with liquor liability coverage. According - [Do hotels require Property Insurance in addition to General Liability Insurance?](https://www.zensurance.com/blog/faq-items/do-hotels-require-property-insurance-in-addition-to-general-liability-insurance): Yes, hotels may require Property Insurance. General liability insurance covers injuries and property damage to - [Do I need to carry insurance on my stock if I am operating by dropshipping?](https://www.zensurance.com/blog/faq-items/do-i-need-to-carry-insurance-on-my-stock-if-i-am-operating-by-dropshipping): Confirm with your supplier if they are responsible for insuring inventory. However, it never hurts - [Do I need Cyber Liability Insurance if I am operating online?](https://www.zensurance.com/blog/faq-items/do-i-need-cyber-liability-insurance-because-i-am-operating-online): It is recommended that you protect your business operations with Cyber Liability Insurance if you - [Can my online business be held liable for selling a product that caused injury to a customer, despite the product being manufactured by a different company?](https://www.zensurance.com/blog/faq-items/can-my-online-business-be-held-liable-for-selling-a-product-that-caused-injury-to-a-customer-despite-the-product-being-manufactured-by-a-different-company): Yes, it is possible that you can be held liable for products you have sold - [Does commercial property insurance cover employee theft?](https://www.zensurance.com/blog/faq-items/entertainment-faq-3): No, employee theft is covered under crime insurance coverage. Although commercial property insurance may protect - [What are the most common risks for which an entertainment business requires insurance?](https://www.zensurance.com/blog/faq-items/what-are-the-most-common-risks-for-which-an-entertainment-business-requires-insurance): Third-party bodily injury and business-owned property damage are likely the most common risks. That means - [Is general liability insurance enough for my entertainment business?](https://www.zensurance.com/blog/faq-items/is-general-liability-insurance-enough-for-my-entertainment-business): General liability insurance on its own is insufficient to cover your business for many common - [Are counsellors who work from home protected by their Home Insurance policy?](https://www.zensurance.com/blog/faq-items/are-counsellors-who-work-from-home-protected-by-their-home-insurance-policy): A counsellor or therapist is not protected by her Home Insurance if she conducts counselling - [What is the difference between a counsellor and a therapist and do these professions have different insurance needs?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-a-counsellor-and-a-therapist-and-do-these-professions-have-different-insurance-needs): The terms are broadly interchangeable and may refer to the same practitioner. Generally, counsellor refers - [Do counsellors need both malpractice coverage and professional liability coverage?](https://www.zensurance.com/blog/faq-items/do-counsellors-need-both-malpractice-coverage-and-professional-liability-coverage): Malpractice coverage is a type of Professional Liability coverage that applies to counsellors and therapists. - [Does Home Insurance cover instructors who conducts health and fitness lessons at their home?](https://www.zensurance.com/blog/faq-items/does-home-insurance-cover-instructors-who-conducts-health-and-fitness-lessons-at-their-home): No, if you conduct fitness lessons or treatment sessions at your home, your home insurance - [Do Health and Wellness practitioners need Malpractice Insurance or Professional Liability Insurance?](https://www.zensurance.com/blog/faq-items/do-health-and-wellness-practitioners-need-malpractice-insurance-or-professional-liability-insurance): Malpractice insurance is a type of professional liability insurance that applies to health practitioners. Due - [Are fitness instructors covered by the insurance policy of the gym or studio?](https://www.zensurance.com/blog/faq-items/are-fitness-instructors-covered-by-the-insurance-policy-of-the-gym-or-studio): Your insurance policy provides coverage for employees of a business, but independent instructors who are - [Is Consultant Insurance mandatory for consultants and independent contractors?](https://www.zensurance.com/blog/faq-items/is-consultant-insurance-mandatory-for-consultants-and-independent-contractors): Although Consultant Insurance is not mandatory by law, it may be important to protect your - [Does my Errors and Omissions (Professional Liability) Insurance policy also cover Cyber Liability damages?](https://www.zensurance.com/blog/faq-items/does-my-errors-and-omissions-professional-liability-insurance-policy-also-cover-cyber-liability-damages): Errors and Omissions policies don’t cover damages to third parties from cybersecurity breaches. If you - [Do consultants need both Professional Liability Insurance and Errors & Omissions Insurance?](https://www.zensurance.com/blog/faq-items/do-consultants-need-both-professional-liability-insurance-and-errors-omissions-insurance): Errors & Omissions (E&O) Insurance is a popular alternative name for Professional Liability Insurance, but - [Are subcontractors covered by the contractor’s liability insurance?](https://www.zensurance.com/blog/faq-items/are-subcontractors-covered-by-the-contractors-liability-insurance): Contractor Insurance provides coverage for full-time employees of a business. This policy does not typically include - [Do contractors need professional liability coverage in their insurance policy?](https://www.zensurance.com/blog/faq-items/are-subcontractors-covered-by-a-contractors-liability-insurance): Contractors do not require professional liability insurance. However, if you offer advice or approve any - [Does contractor liability insurance cover subcontractors?](https://www.zensurance.com/blog/faq-items/is-contractor-insurance-mandatory-for-contractors-and-subcontractors-before-signing-project-contracts): Contractor insurance provides coverage for full-time employees. This policy does not typically include subcontractors; however, - [What are the minimum Professional Liability limits that accountants must have in their policy?](https://www.zensurance.com/blog/faq-items/what-are-the-minimum-professional-liability-also-known-as-errors-and-omissions-limits-that-accountants-must-have-in-their-policy): As determined by Chartered Professional Accountants (CPA) Canada, the minimum coverage amount per claim depends - [Is Professional Liability Insurance mandatory for accountants?](https://www.zensurance.com/blog/faq-items/is-professional-liability-insurance-mandatory-for-accountants): According to Chartered Professional Accountants (CPA) Canada, all accounting firms (whether a one-person operation or - [Is Cyber Liability coverage included in my Errors and Omissions policy?](https://www.zensurance.com/blog/faq-items/is-cyber-liability-coverage-included-in-my-errors-and-omissions-policy): No, Errors and Omissions (E&O) Insurance for accountants may only cover mistakes and missed deadlines - [What is the difference between personal injury and medical negligence (medical malpractice)?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-personal-injury-and-medical-negligence): Medical negligence (injuries from medical malpractice) is a form of personal injury. Personal injury claims - [What is classified as medical malpractice (or medical negligence)?](https://www.zensurance.com/blog/faq-items/what-is-classified-as-medical-malpractice-or-medical-negligence): Medical negligence refers to a breach of duty by a health professional that results in - [Why do I need professional liability coverage in addition to commercial general liability coverage?](https://www.zensurance.com/blog/faq-items/why-do-i-need-professional-liability-coverage-in-addition-to-commercial-general-liability-coverage): Insurance policies are created with the intent of covering a large number of business segments. - [What is the difference between malpractice insurance and professional liability insurance?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-malpractice-insurance-and-professional-liability-insurance): Malpractice insurance is a type of professional liability insurance that protects medical practitioners from errors - [How do different types of liability insurance apply to me?](https://www.zensurance.com/blog/faq-items/how-do-different-types-of-liability-insurance-apply-to-me): There are two main types of beauty liability insurance that apply to your profession and - [How much beauty insurance should I buy?](https://www.zensurance.com/blog/faq-items/how-much-beauty-insurance-should-i-buy): The rule here is as much as you can afford. You will feel much more - [Will my beauty insurance policy cover beauticians renting chairs?](https://www.zensurance.com/blog/faq-items/will-my-beauty-insurance-policy-cover-beauticians-renting-chairs): No. Unfortunately, beauty insurance only covers your employees. Beauticians who rent a chair in your - [Do mobile beauticians need beauty insurance?](https://www.zensurance.com/blog/faq-items/do-mobile-beauticians-need-beauty-insurance): Yes, beauty insurance is not just for beauticians who work at a salon, spa or - [Do I really need beauty insurance?](https://www.zensurance.com/blog/faq-items/do-i-really-need-beauty-insurance): Yes, beauty insurance claims are very frequent in the beauty space. From clients who do - [Does D&O insurance cover former directors?](https://www.zensurance.com/blog/faq-items/does-do-insurance-cover-former-directors): Yes, D&O insurance policies usually protect former and present directors and officers. As long as - [Does my non-profit need Directors and Officers (D&O) liability insurance?](https://www.zensurance.com/blog/faq-items/does-my-non-profit-need-directors-and-officers-do-liability-insurance): Yes, D&O insurance protects the board of directors of nonprofits by covering defense costs, settlements, - [Can a sole trader or partnership have Directors and Officers Insurance?](https://www.zensurance.com/blog/faq-items/can-a-sole-trader-or-partnership-have-directors-and-officers-insurance): Directors and Officers Insurance usually does not apply to sole traders or partnerships because they - [Is Directors and Officers (D&O) liability insurance the same as professional liability insurance?](https://www.zensurance.com/blog/faq-items/is-directors-and-officers-do-liability-insurance-the-same-as-professional-liability-insurance): D&O liability insurance is a type of professional liability insurance that is specifically designed to - [Do hackers even target small businesses (do small businesses need cyber liability insurance)?](https://www.zensurance.com/blog/faq-items/do-hackers-even-target-small-businesses): Yes. According to StatCan, one-fifth of all Canadian businesses were targeted by hackers in 2017. - [Does my E&O policy already cover cybersecurity?](https://www.zensurance.com/blog/faq-items/doesnt-my-eo-policy-already-cover-cybersecurity): No, it is a common misconception that Technology Errors and Omissions (Tech E&O) coverage provides - [What are the most common types of cyber attacks covered by cyber liability insurance?](https://www.zensurance.com/blog/faq-items/what-are-the-most-common-types-of-cyber-attacks): Malware: malicious software that usually make their way through with link clicks and attachment downloads. - [Does cyber insurance cover cyber extortion (ransomware)?](https://www.zensurance.com/blog/faq-items/does-cyber-insurance-cover-cyber-extortion-ransomware): Cyber extortion coverage is not included by default in all our cyber liability insurance packages. - [Do I need E&O insurance if I work from home?](https://www.zensurance.com/blog/faq-items/do-i-need-eo-insurance-if-i-work-from-home): Yes, as long as you provide a service to a client, regardless of your location, - [Does professional liability insurance cover errors and omissions?](https://www.zensurance.com/blog/faq-items/does-professional-liability-insurance-cover-errors-and-omissions): Yes. professional liability insurance covers errors and omissions in the service or advice provided by - [What is the difference between D&O and E&O insurance?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-do-and-eo-insurance): The difference is that D&O (Directors and Officers) Insurance only applies to directors and officers - [Who needs professional liability insurance?](https://www.zensurance.com/blog/faq-items/who-needs-professional-liability-insurance): It’s recommended for professionals who provide a service or advice, whether they work within a - [What does Errors & Omissions Insurance (E&O) cover?](https://www.zensurance.com/blog/faq-items/what-does-errors-and-omissions-eo-insurance-cover): Errors and omissions (E&O) insurance covers legal costs and settlements that arise from claims of - [How much professional liability coverage do I need?](https://www.zensurance.com/blog/faq-items/how-much-professional-liability-coverage-do-i-need): The most common professional liability coverage that business owners, consultants or practitioners opt for is - [What does professional liability insurance cover?](https://www.zensurance.com/blog/faq-items/what-does-professional-liability-insurance-cover): Professional liability insurance covers financial loss or bodily injury caused to a third party due - [What is the difference between Errors and Omissions (E&O) Insurance and professional liability insurance?](https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-professional-liability-insurance-and-errors-and-omissions-insurance): Errors and omissions is a popular name for professional liability, they both refer to the - [Do I need business insurance if I work from home?](https://www.zensurance.com/blog/faq-items/do-i-need-business-insurance-if-i-work-from-home): The short answer is YES. While some personal home insurance policies could cover some personal - [How much business insurance do I need?](https://www.zensurance.com/blog/faq-items/how-much-business-insurance-do-i-need): Canadian entrepreneurs often ask how much business coverage they should get. 1 million or 2 - [How much liability insurance do I need?](https://www.zensurance.com/blog/faq-items/how-much-liability-insurance-do-i-need): Most small businesses opt for a $2M policy, but every business faces different risks so - [How do I get general liability insurance for my business?](https://www.zensurance.com/blog/faq-items/how-do-i-get-general-liability-insurance-for-my-business): Get in touch with one of our insurance brokers or request an online quote from - [What does a general liability insurance policy cover?](https://www.zensurance.com/blog/faq-items/what-does-a-general-liability-insurance-policy-cover): A general liability policy covers legal expenses and settlements related to bodily injury or property - [How is general liability insurance calculated?](https://www.zensurance.com/blog/faq-items/how-is-general-liability-insurance-calculated): General Liability Insurance costs are calculated based on a few different factors such as industry, - [Can I increase or decrease the limits of my business insurance?](https://www.zensurance.com/blog/faq-items/can-i-increase-or-decrease-the-limits-of-my-insurance): Yes, we are able to customize our insurance packages so that you get only the coverage you need. - [Can I pay my business insurance monthly?](https://www.zensurance.com/blog/faq-items/can-i-pay-monthly): Yes. While most customers prefer to pay up front to avoid any additional financing charges, - [How much business insurance do I require?](https://www.zensurance.com/blog/faq-items/how-much-insurance-do-i-require): Every business is unique. At Zensurance, we have curated several solutions that include comprehensive coverages --- # # Detailed Content ## Pages ### Landlord Insurance Coverage > This comprehensive guide explains what a landlord insurance policy can cover for your property. - Published: 2025-04-11 - Modified: 2025-04-20 - URL: https://www.zensurance.com/landlord-insurance/what-does-landlord-insurance-cover https://www. zensurance. com/wp-content/uploads/2024/08/Landlord-Insurance. svg Landlord Insurance Coverage GuideEach building is different, and insurance requirements vary by size of building, geography and types of tenants. This guide has been created so Zensurance landlord customers can fully understand all the available coverages.  Below are the most common coverages considered by landlords. This is not an exhaustive list, but rather the most common types of coverages considered. We highly recommend you review this list, and if you are interested in any of these, speak with your Zensurance broker. Note that any tenants in the building need their own insurance policies; a landlord's policy is not meant to cover a tenant’s exposures. Property (building owner) Landlord Contents Coverage Rental Income CoverageEquipment BreakdownCommercial General Liability (CGL) Builder’s Risk Insurance Legal Expense Insurance Cybersecurity Insurance Deductibles Cancelling a Policy Mid-Term Keep Your Zensurance Broker Up to Date Property (building owner)Property insurance covers the cost of repairing or replacing a structure. For instance, if there is a fire that burns down the entire building, property insurance would be there to remove the debris, clear the land, and then re-construct the structure back to its original state, subject to the conditions and limits of your policy.  Property coverage includes several variables and considerations.   Rebuild value: The estimated cost to reconstruct a property from scratch in the event of a total loss, including materials, labour, and compliance with current building codes. We recommend you use a professional valuation firm to determine this value to get the most accurate... --- ### Temu Seller Insurance > Get a customized business insurance policy to protect Temu sellers. Get a free Temu insurance quote today! - Published: 2025-04-08 - Modified: 2025-04-20 - URL: https://www.zensurance.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. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2025/04/Temu-Seller-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2025/04/Temu-Business-Owner. svgInsurance for Temu SellersTemu, the third-party marketplace, allows Canadian sellers and small businesses to sell their goods on the platform. For Canadian-based businesses and independent sellers with local inventory and fulfillment capabilities, Temu represents a new way to expand their customer base. Temu provides Canadian small businesses with an alternative online marketplace to sell their products, similar to Amazon and Shopify. However, using Temu or any online marketplace exposes businesses and independent sellers to liability risks. Comprehensive business insurance is essential to protect against third-party bodily injury and property damage claims and lawsuits. Insurance for Temu sellers is a customized policy offering various types of insurance coverage to protect small business owners and independent sellers from risks associated with online sales. These risks include cyber threats and liability for third-party property damage or bodily injury. A comprehensive Temu seller insurance policy may include the following coverages: Commercial General Liability (CGL) Insurance:CGL, or general liability insurance, protects Temu sellers from financial losses due to third-party bodily injury or property damage claims from customers who purchase a product from your business. If a customer is injured or their property is damaged by a product you sell, it may cover their medical expenses or property damage costs. It also covers your legal defence expenses if you're sued and protects against allegations or claims of... --- ### Grant voting - Published: 2025-03-25 - Modified: 2025-03-25 - URL: https://www.zensurance.com/grant-voting --- ### Vote - Small Business Grant > Vote to select this year's Zensurance Small Business Grant Winner. - Published: 2025-03-25 - Modified: 2025-04-04 - URL: https://www.zensurance.com/small-business-grant/vote https://www. zensurance. com/wp-content/uploads/2025/04/SBG_Hero-Banner_Voting-Closed_Desktop. svghttps://www. zensurance. com/wp-content/uploads/2025/04/SBG_Hero-Banner_Voting-Closed_Mobile. svg Meet Your 2025 Finalists Name: Dylan Gambler Industry: Renovations Contractor Location: Edmonton, Alberta About: Aboriginal tradesman and carpenter for over 15 years Focus on renovations and carpentry How $10,000 Will Help This grant would enable me to expand my renovation work, assist families needing affordable repairs, and train and mentor future Aboriginal tradespeople. Why It Matters I don’t just want to grow my business but help people, improve homes, and create opportunities for Aboriginal workers. I want it to be a force for good in my community. Name: Jeff Dell Industry: Media and Marketing Location:Nova Scotia About: Husband and wife video production team Focus on telling stories about Nova Scotia and its history How $10,000 Will Help Due to our company's size, we've had to rely on self-funding and volunteers as we haven't been able to secure public funding, which is often reserved for larger productions. Why It Matters The grant would cover fees associated with filming at different locations, travel, and expand our storytelling across Atlantic Canada. Name: Meena Sandhu Industry: Promotional and Corporate Gifting Location: Vancouver, British ColumbiaAbout: Premium, branded gift boxes for companies Curated gift boxes and baskets for realtors, closing gifts, holiday celebrations and special events How $10,000 Will Help Expand our collection's reach and charitable contributions, offset rising shipping costs, invest in sustainable packaging, and streamline logistics. Why It Matters We source all products in our gift baskets from Canadian artisans and small businesses. Our Pink Ribbon Collection... --- ### Travel Agent Insurance > At Zensurance we simplify the process of getting travel agent liability insurance. Get a free online e&o insurance quote, it's quick & easy! - Published: 2025-03-20 - Modified: 2025-04-11 - URL: https://www.zensurance.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://www. zensurance. com/wp-content/uploads/2025/04/Travel-Agent-Profesisonal-Liability-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2025/04/Travel-Agency-Owner. svg What is travel agent liability insurance? E&O insurance for travel agents and travel agencies is a type of coverage designed to protect them from financial losses due to errors, omissions, or unforeseen incidents while providing travel services. Liability insurance for travel agents and travel agencies includes the following coverages: Errors and Omissions (E&O) Insurance: Also called professional liability insurance, travel agency E&O insurance covers claims related to errors, mistakes, miscommunications, failing to deliver a service as promised, or allegations of professional negligence while booking travel arrangements for customers. It typically includes financial support for travel agents’ legal costs and damage claims related to their professional services and media and advertising services if you are sued for defamation (libel or slander). Other coverages for travel agents to consider: Commercial General Liability (CGL) Insurance: CGL, or general liability, covers third-party bodily injury and property damage claims caused by your agency’s usual operations or public events. For instance, if a customer trips, falls, and is injured in your office, CGL is designed to pay for the injured person’s medical and rehabilitation expenses. If a travel agent or travel agency is sued, CGL pays for their legal defence and any compensatory damages settled out of court or ordered by the court up to the policy limit. Commercial Property Insurance: Commercial property insurance protects a travel agency’s office and business... --- ### Partner - Swoop > Zensurance and Swoop have partnered to offer you savings on business insurance packages. Get a free quote today! - Published: 2025-03-14 - Modified: 2025-03-28 - URL: https://www.zensurance.com/swoop https://www. zensurance. 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://www. zensurance. com/wp-content/uploads/2025/03/Swoop-Business-Customer. svg Welcome, Swoop members! Great news! Zensurance – Canada’s leading business insurance brokerage – has teamed up with Swoop to bring you exclusive savings to protect your business with customized, low-cost insurance. As Swoop’s preferred business insurance provider, we can get you the low-cost insurance you need! Getting covered is fast, easy, and free – grab your quote today and start saving in minutes! Get Exclusive Quote for Freehttps://www. zensurance. com/wp-content/uploads/2025/03/Swoop-Referral-Members. svghttps://www. zensurance. com/wp-content/uploads/2025/03/Swoop-Referral-Members. svg Protect Your Finances and Get Peace of Mind One accident, incident, or lawsuit can financially devastate your finances and livelihood. Business insurance is the inexpensive backbone of your risk management strategy, minimizing damages and losses you suffer. Zensurance works with over 50 insurers to get low-cost policies for any health and wellness profession. Tailored Protection for Your Small Business Complete our online application in under five minutes and receive a free quote. Purchase your policy online and receive a certificate of insurance instantly. Our licensed brokers are risk management experts and work for you. They can advise you on necessary coverages and customize a policy to fit your needs. Get Exclusive Quote for Free The Zensurance DifferenceCustomized, low-cost insurance for health and wellness professionals to protect their finances and reputations. With over 350,000 small businesses served, we get the lowest insurance rates because of how much we sell, and our technology helps keep costs... --- ### One of a Kind - Published: 2025-03-12 - Modified: 2025-03-18 - URL: https://www.zensurance.com/one-of-a-kind https://www. zensurance. com/wp-content/uploads/2025/03/Zen-One. png --- ### Partner - The Suite House > Zensurance and The Suite House have partnered to offer you savings on business insurance packages. Get a free quote today! - Published: 2025-03-12 - Modified: 2025-03-12 - URL: https://www.zensurance.com/suitehouse https://www. zensurance. 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 Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/08/Bubble_hair-stylist_female. svg Welcome, Suite House members! Great news! Zensurance – Canada’s leading business insurance brokerage – has teamed up with The Suite House to bring you exclusive savings to protect your business with customized, low-cost insurance. As The Suite House’s preferred business insurance provider, we can get you the low-cost insurance you need! Getting covered is fast, easy, and free – grab your quote today and start saving in minutes! Get Exclusive Quote for Freehttps://www. zensurance. com/wp-content/uploads/2024/03/Beauty-Business-Owner. svghttps://www. zensurance. com/wp-content/uploads/2024/03/Beauty-Business-Owner. svg Protect Your Finances and Get Peace of Mind One accident, incident, or lawsuit can financially devastate your finances and livelihood. Business insurance is the inexpensive backbone of your risk management strategy, minimizing damages and losses you suffer. Zensurance works with over 50 insurers to get low-cost policies for any health and wellness profession. Tailored Protection for Your Small Business Complete our online application in under five minutes and receive a free quote. Purchase your policy online and receive a certificate of insurance instantly. Our licensed brokers are risk management experts and work for you. They can advise you on necessary coverages and customize a policy to fit your needs. Get Exclusive Quote for Free We cover a broad range of health and wellness professionals, including: Hairstylists and barbersMassage therapistsNail techniciansSpray tan artistsLash techniciansChiropractorsAcupuncturistsLaser techniciansPermanent makeup artistsSpa ownersSalon ownersTattoo artistsCosmetic injector professionals The Zensurance DifferenceCustomized, low-cost insurance... --- ### Login > If you need further assistance or additional content creation, feel free to ask! - Published: 2025-03-10 - Modified: 2025-03-10 - URL: https://www.zensurance.com/login Login We do not currently have a customer portal, but our friendly team of licensed brokers is ready to answer any questions. You can reach us by phone or online chat during the hours indicated below: Monday to Thursday: 9:00 AM - 5:30 PM  (Eastern Time) Friday: 9:00 AM - 4:00 PM  (Eastern Time) (No recruiters or real estate agents please) PGEgY2xhc3M9ImZ1c2lvbi1idXR0b24gYnV0dG9uLWZsYXQgZnVzaW9uLWJ1dHRvbi1yb3VuZCBidXR0b24tbGFyZ2UgYnV0dG9uLWN1c3RvbSBidXR0b24tMSBmdXNpb24tbm8tc21hbGwtdmlzaWJpbGl0eSIgdGFyZ2V0PSJfc2VsZiIgaHJlZj0iamF2YXNjcmlwdDokem9waW0ubGl2ZWNoYXQud2luZG93LnNob3coKTsiPjxzcGFuIGNsYXNzPSJmdXNpb24tYnV0dG9uLXRleHQiPlN0YXJ0IENoYXQ8L3NwYW4+PC9hPg== 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 --- ### TEST-General Liability Insurance > Commercial general liability insurance protects your small business against legal claims of injury and property damage. Get a free CGL quote! - Published: 2025-01-30 - Modified: 2025-02-27 - URL: https://www.zensurance.com/general-liability-insurance-b Commercial General Liability Insurance Protect your small business from third-party injury and property damage claims with commercial general liability insurance. https://www. zensurance. com/wp-content/uploads/2024/10/Zensurance-Direct-Business-Insurance. svg General Liability Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Bodily injury Problem: Your client slips on the stairs on their way into your office, resulting in a broken wrist.  Outcome: The client successfully sues your business for bodily injury. Your CGL coverage may cover the legal expenses and medical fees, totalling $25,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Property damage Problem: You're a general contractor hired to renovate a kitchen and accidentally damage your client's hardwood floors.  Outcome: Your CGL coverage policy covers the cost to repair the floors, totalling $10,000 in damages. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Product liability Problem: A customer suffers from severe food poisoning after dining at your restaurant. Outcome: The customer successfully sues you for bodily injury. Your CGL policy covers the medical expenses and legal fees, totalling $15,000. Commercial General Liability Insurance, Explained. What is commercial general liability insurance? Commercial general liability (CGL) is an insurance policy that provides financial coverage for claims of third-party bodily injury and property damage caused by your business resulting from negligence or unexpected accidents. Should your business be sued, CGL insurance typically covers compensatory damages awarded against you and any legal defence costs, regardless of the lawsuit's outcome. What does general liability insurance cover? General liability insurance typically includes coverage for legal costs and damages related to the following coverage areas: Bodily Injury Liability:Injuries or damage to a... --- ### TestZen20 - Published: 2024-12-19 - Modified: 2025-02-18 - URL: https://www.zensurance.com/testzen20 Content box #1 Content box #2 Content box #3 Content box #4 Content box #5 Content box #6 --- ### How to Protect Your Business Property in the Era of Climate Change > Discover strategies to protect your business from climate risks. Download our guide for tips on loss prevention and insurance solutions. - Published: 2024-10-22 - Modified: 2024-11-08 - URL: https://www.zensurance.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 ChangeNatural disasters and extreme weather events are becoming more frequent in Canada. Learn loss prevention strategies for minimizing damage to your business property andhow insurance offers financial protection in the face of climate-related risks. How to Protect Your Business Property in the Era of Climate Change Natural disasters and extreme weather events are becoming more frequent in Canada. Learn loss prevention strategies for minimizing damage to your business property andhow insurance offers financial protection in the face of climate-related risks. https://www. zensurance. com/wp-content/uploads/2024/09/Climate-Change-Guide-Preview. jpg Download your free insurance guide W2dyYXZpdHlmb3JtIGlkPSIxNCIgdGl0bGU9ImZhbHNlIl0= Get a Free Quote for Low-Cost Business InsuranceProtect your business or profession and financial wellbeing with a low-cost, customized business insurance policy from Zensurance. With our extensive experience and expertise, Zensurance is proud to serve over 350,000 Canadian small businesses and independent professionals, providing them with the protection they need to thrive. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/Commercial-Liability-Insurance-Zen-Woman. svgGet a Free Quote --- ### Guide: The Small Business Artificial Intelligence (AI) Handbook > Learn how small businesses can safely use AI. Download our handbook to discover risks and best practices for AI implementation. - Published: 2024-10-22 - Modified: 2024-11-08 - URL: https://www.zensurance.com/guides/the-small-business-artificial-intelligence-ai-handbook The Small Business Artificial Intelligence (AI) HandbookAI can perform tasks that otherwise require human intelligence or intervention. But it cannot solve every challenge you face, nor should it be implemented for the sake of it. Our handbook outlines what the risks are using AI and how small businesses can use it safely. The Small Business Artificial Intelligence (AI) Handbook AI can perform tasks that otherwise require human intelligence or intervention. But it cannot solve every challenge you face, nor should it be implemented for the sake of it. Our handbook outlines what the risks are using AI and how small businesses can use it safely. https://www. zensurance. com/wp-content/uploads/2024/09/Small-Business-AI-Guide-Preview. jpg Download your free insurance guide W2dyYXZpdHlmb3JtIGlkPSIxNSIgdGl0bGU9ImZhbHNlIl0= Get a Free Quote for Low-Cost Business InsuranceProtect your business or profession and financial wellbeing with a low-cost, customized business insurance policy from Zensurance. With our extensive experience and expertise, Zensurance is proud to serve over 350,000 Canadian small businesses and independent professionals, providing them with the protection they need to thrive. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/Commercial-Liability-Insurance-Zen-Woman. svgGet a Free Quote --- ### Apartment Building Insurance > Zensurance can help you find the best rates for comprehensive apartment building insurance. Get a free online quote today! - Published: 2024-10-10 - Modified: 2024-11-08 - URL: https://www.zensurance.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 a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/10/Apartment-Building-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2024/02/HP_Hero_V3_Phone_mobile. svg Quick and Easy Insurance for Apartment Buildings Apartment building property owners face many risks and liabilities associated with owning and managing multi-unit residential properties. A comprehensive apartment building insurance policy is not just a necessity, it's a source of peace of mind. It's your shield, protecting your investments, managing liability risks, and ensuring financial stability. Get a Free Quote Apartment Building Insurance, ExplainedApartment building insurance from Zensurance is not a one-size-fits-all solution. It's a customized policy that understands and addresses the unique risks building owners face. It's designed to help you recover quickly from damages, losses, legal threats and tenant disagreements. Apartment building insurance protects the property owner's financial interests by covering the building's physical structure and permanently attached structures, the owner’s business contents, and the third-party liability risks they face. Comprehensive insurance for apartment building owners may include the following coverages: Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers third-party bodily injury and third-party property damage claims that occur on your premises. For example, if a tenant or a visitor to the building trips and falls on your walkway or main entrance and requires medical attention, CGL may cover their medical and rehabilitation expenses. Commercial Property Insurance: Also known as commercial building insurance, commercial property insurance covers damage and loss to your apartment building caused by fire,... --- ### BC Special Event Insurance > Zensurance can help you get comprehensive special event insurance coverage at the best rates. Get a free online quote today! - Published: 2024-10-08 - Modified: 2024-10-10 - URL: https://www.zensurance.com/british-columbia-business-liability-insurance/special-event Special Event Insurance BCComprehensive, low-cost insurance to cover special events in British ColumbiaGet a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/10/BC-Event-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2024/10/Event-Insurance-Coverage. svg Quick and Easy Special Event Liability Insurance in B. C. Get special event liability insurance quickly and easily through Zensurance. Regardless of when or where in B. C. your event is taking place, if alcohol will or won’t be served, get the low-cost coverage you need for social gatherings, weddings, corporate and private parties, sporting events and other occasions. Get a Free Quote Special Event Insurance, ExplainedHost or organizers of events or parties in offices, at private residences, or rented venues across British Columbia face several liability risks that can cost thousands of dollars and ruin an otherwise terrific event.  Special event liability insurance is designed to cover third-party bodily injury or property damage claims that may occur during your event. For example, if a guest at a wedding slips and falls and is injured, a customized special event insurance policy from Zensurance may cover the injured person’s medical expenses and your legal fees if you are sued. A special event liability insurance policy may include the following types of coverages: Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers third-party bodily injury and third-party property damage claims that occur during your event. It is designed to pay for an injured person’s medical expenses or cover the cost of damage to their property while attending your event. Host Liquor Liability Insurance: If alcohol is served at... --- ### Home Business Insurance Ontario > Get comprehensive home business insurance coverage for your Ontario business with Zensurance. Get a free online quote today! - Published: 2024-10-08 - Modified: 2024-10-10 - URL: https://www.zensurance.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://www. zensurance. com/wp-content/uploads/2024/10/Ontario-Home-Business-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2024/10/Home-Business-Owner-Ontario. svg Insurance for Ontario home-based businessesGetting home-based business insurance in Ontario is vital for protecting your finances and assets. Most private homeowners’ or condo owners’ policies are not designed to cover business-related claims and liabilities. Your insurer could cancel your personal home or condo insurance policy if they are unaware you’re running a small business from your home. Home-based business insurance is a customized policy featuring several coverages uniquely designed to address the liabilities any home-based business owner in Ontario faces. It provides higher coverage levels to account for the specific liability risks and potential damages and losses that can affect a small business operating out of a residence. Without it, any expensive claims or damages that threaten your business and finances would fall solely on you to pay. A comprehensive home-based insurance policy is crafted to suit your business’s unique needs, depending on the type and scale of your operations. Many home-based business insurance policies include the following coverages: Commercial General Liability (CGL) Insurance:CGL, or general liability insurance, covers third-party bodily injuries and third-party property damage caused by your business’s operations or incidents on your premises. For example, if a delivery person visits your home to deliver a package and is injured in a fall on your front steps, CGL may cover their medical and rehabilitation expenses. Commercial Property Insurance: Commercial property insurance covers your home office from... --- ### Cybercrime Insurance > Cybercrime insurance can help your business cover the loss of funds due to cybercrime, including phishing, hacking, or social engineering fraud. Get a free quote today! - Published: 2024-10-08 - Modified: 2024-10-10 - URL: https://www.zensurance.com/cybercrime-insurance Cybercrime Insurance Small businesses are big targets for cybercrime. Get comprehensive protection for your digital assets Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/10/Cybercrime-Insurance-Quote. svg Why Choose Zensurance? We help Canadian business owners save time and money by providing a convenient and affordable way to buy cybercrime insurance. Purchase your insurance anytime, anywhere, with our easy-to-use online platform. Compare rates across leading insurance companies to ensure you get the best price on your premium. We use data and analytics to identify the right insurance policies for your business. Get a Free Quote Now Commercial Property Insurance Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: Your business is subjected to a ransomware attack after a hacker encrypts your data and demands payment to restore your access. 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Get a free online quote today! - Published: 2024-09-24 - Modified: 2024-09-24 - URL: https://www.zensurance.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 Quotehttps://www. zensurance. com/wp-content/uploads/2024/09/Ontario-Snow-Removal. svghttps://www. zensurance. com/wp-content/uploads/2023/11/Snow-Plower. svg What is snow removal insurance? Extreme and unpredictable weather is a hallmark of Canadian winters. Snow, ice storms, freezing rain, blizzards, and frigid winds are the norm across most of the country, especially in Ontario. Ontario may be Canada’s southernmost province, but harsh winter weather is inescapable from November to April. That makes transportation a particular concern, as roads, streets, and highways can quickly become buried in snow or like skating rinks following a nasty storm. From the Haliburton Highlands to the Ottawa Valley, Northwest Ontario to Southwestern Ontario, and the Niagara Region to Northeastern Ontario, people and communities rely on professional snow removal operators to keep our roads and highways clear and accessible during the winter. Snow removal businesses and snow plow contractors know their work is high-risk because of the risk of slip-and-fall accidents and collisions, dangerous weather conditions, damages to third-party properties, and third-party lawsuits. That’s why every snow removal contractor or snow plow business needs a comprehensive snow removal insurance policy to safeguard their finances. Zensurance provides comprehensive snow removal insurance for Ontario snow plow companies and operators that’s crafted to shield them from the significant liability threats they face. A typical snow removal insurance policy in Ontario includes: Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers third-party bodily injuries and third-party property damage caused by... --- ### Insurance Guides > Our free guides are designed to enrich your knowledge and help you understand your insurance needs better. Download one or all of our free guides now! - Published: 2024-09-17 - Modified: 2024-10-22 - URL: https://www.zensurance.com/guides Insurance Guides Discover the different types of business liability insurance and learn how to choose the right coverage to protect your finances and reputation.   Our free guides are designed to enrich your knowledge and help you understand your insurance needs better.   Download one or all of our free guides now! https://www. zensurance. com/wp-content/uploads/2024/09/Small-Business-Insurance-Guide-Preview. jpg A Guide to Small Business Insurance in CanadaGet an overview of various coverages any small business owner or self-employed professional needs to know to protect themselves from expensive accidents, mistakes, lawsuits and other liability claims. Download Nowhttps://www. zensurance. com/wp-content/uploads/2024/09/Climate-Change-Guide-Preview. jpg How to Protect Your Business Property in the Era of Climate ChangeNatural disasters and extreme weather events are becoming more frequent in Canada. Learn loss prevention strategies for minimizing damage to your business property and how insurance offers financial protection in the face of climate-related risks. Download Nowhttps://www. zensurance. com/wp-content/uploads/2024/09/Small-Business-AI-Guide-Preview. jpg The Small Business Artificial Intelligence (AI) Handbook AI can perform tasks that otherwise require human intelligence or intervention. But it cannot solve every challenge you face, nor should it be implemented for the sake of it. Our handbook outlines what the risks are using AI and how small businesses can use it safely. Download Now Here are a few of our most popular posts: Get a Free Quote for Low-Cost Business InsuranceProtect your business or profession and financial wellbeing with a low-cost, customized business insurance policy from Zensurance. With our extensive experience and expertise, Zensurance is proud to serve over 350,000 Canadian small... --- ### Guide: A Guide to Small Business Insurance in Canada > Learn how to protect your small business from lawsuits and costly errors. Download the Canadian Small Business Insurance Guide for free! - Published: 2024-09-17 - Modified: 2024-11-08 - URL: https://www.zensurance.com/guides/a-guide-to-small-business-insurance-in-canada A Guide to Small Business Insurance in CanadaGet an overview of various coverages any small business owner or self-employed professional needs to know to protect themselves from expensive accidents, mistakes, lawsuits and other liability claims. A Guide to Small Business Insurance in Canada Get an overview of various coverages any small business owner or self-employed professional needs to know to protect themselves from expensive accidents, mistakes, lawsuits and other liability claims. https://www. zensurance. com/wp-content/uploads/2024/09/Small-Business-Insurance-Guide-Preview. jpg Download your free insurance guide W2dyYXZpdHlmb3JtIGlkPSI5IiB0aXRsZT0iZmFsc2UiXQ== Get a Free Quote for Low-Cost Business InsuranceProtect your business or profession and financial wellbeing with a low-cost, customized business insurance policy from Zensurance. With our extensive experience and expertise, Zensurance is proud to serve over 350,000 Canadian small businesses and independent professionals, providing them with the protection they need to thrive. Get a Free QuoteGet a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/09/CTA-Bubble. svghttps://www. zensurance. com/wp-content/uploads/2024/09/CTA-Bubble. svg --- ### Liability Insurance > Business liability insurance protects your business against claims of third-party liability accidents, such as property damage or bodily injury. Get a free quote! - Published: 2024-07-24 - Modified: 2025-01-01 - URL: https://www.zensurance.com/liability-insurance Liability Insurance Business liability insurance coverage is designed to protect your specific business risks. https://www. zensurance. com/wp-content/uploads/2024/08/Bubble_Liability-Insurance. svg Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Product Liability Claim: A client claims a skincare product they bought from your spa caused a severe skin reaction. Outcome: Your client successfully sues you for bodily injury due to a product you sold to them. Your product liability insurance covers the total medical expenses and court costs, totalling $11,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg General Liability Claim: Your employee accidentally drops a piece of furniture during a home delivery and damages your client’s hardwood floors. Outcome: Your client successfully sues you for property damage, and your commercial general liability insurance covers legal expenses and costs to repair the floors, totalling $45,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Professional Liability Claim: A client who you developed an e-commerce site for claims your work did not meet the agreed-upon requirements and caused their company to suffer a financial loss. Outcome: Your client sues your failure to deliver a service, as promised. Your professional liability insurance covers the legal expenses and monetary judgment, totalling $18,000. Business Liability Insurance, Explained. What is business liability insurance? Business liability insurance protects your business against lawsuits associated with third-party property damage or bodily injury. Depending on your needs, a business liability insurance policy can include the following coverages: Commercial general liability insurance protects you from the most common risks you may encounter in your day-to-day business operations, such as third-party property damage and bodily injury. Professional... --- ### Privacy Policy for APP > Privacy Policy sets out the manner in which information about you (“Personal Information”) is collected, used, disclosed and otherwise managed in connection with the www.zensurance.com - Published: 2024-07-09 - Modified: 2024-07-24 - URL: https://www.zensurance.com/privacy-policy-2 --- ### TEST... - Published: 2024-07-08 - Modified: 2024-07-08 - URL: https://www.zensurance.com/test Get a quote to access our exclusive perks! See Perks Get your certificate of insurance instantly! Get a Free Quote --- ### Psychotherapist Liability Insurance > At Zensurance we simplify the process of getting professional liability insurance for psychotherapists in Canada. Get a free quote, it's quick and easy! - Published: 2024-06-11 - Modified: 2024-06-11 - URL: https://www.zensurance.com/psychotherapist-liability-insurance Psychotherapist Liability Insurance Get comprehensive, low-cost liability insurance protection for Canadian psychotherapists. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/06/Psychotherapist. svghttps://www. zensurance. com/wp-content/uploads/2024/06/Psychotherapy-Professional. svg Liability insurance for psychotherapists Psychotherapists are mental health professionals helping individuals, families, and groups address and manage a variety of emotional, mental, and behavioural issues. They assess a patient’s mental health status to identify underlying disorders and create personalized treatment plans outlining therapeutic goals through interventions, and help them develop effective stress management techniques. They advise on coping strategies, provide emotional support, and help people recover from traumatic experiences. However, like any health and wellness professional, psychotherapists face a broad range of potential liability risks that could threaten their finances and careers. A comprehensive liability insurance policy for psychotherapists from Zensurance can help these professionals safeguard their assets and reputations. Also called malpractice insurance for psychotherapists or psychotherapist professional liability insurance, this type of customized policy features several coverages designed to cover damage to different aspects of the potential liabilities and risks psychotherapists face. A comprehensive psychotherapist insurance policy may include the following: Professional Liability Insurance: Also called malpractice insurance or errors and omissions (E&O) insurance, professional liability coverage addresses allegations or claims of malpractice, errors, misconduct, and professional negligence because of your professional activities. It includes coverage for your legal defence expenses if sued for damages related to your professional services, treatment plans, accusations of substandard treatment, and failure to monitor or communicate with your patients. Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers... --- ### Richmond Business Liability Insurance > At Zensurance we simplify the process of getting business insurance in Richmond, BC. Get a free quote, it's quick and easy! - Published: 2024-06-07 - Modified: 2024-10-08 - URL: https://www.zensurance.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 at $19 per month. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/06/Richmond-Business-Insurance. svg Partnerships with over 50 leading Canadian insurance providers https://www. zensurance. com/wp-content/uploads/2019/06/chubb-small-business-insurance. svghttps://www. zensurance. com/wp-content/uploads/2019/06/beazley-commercial-insurance-canada. svghttps://www. zensurance. com/wp-content/uploads/2019/06/portage-mutual-insurance-for-small-business. svghttps://www. zensurance. com/wp-content/uploads/2019/07/Lloyds_of_London_logo. svghttps://www. zensurance. com/wp-content/uploads/2019/06/travelers-logo. svg Commercial insurance tailored for your business Business Liability insurance protects Richmond business owners from losses due to unforeseen events that may occur during normal business operations such as property damage, errors or injuries. There are many types of insurance for businesses that protect them according to their industry, size and revenue. Some of these types include general liability insurance, errors and omissions insurance or directors & officers liability insurance. At Zensurance, we help small businesses in Richmond thrive by providing the best rates on a custom liaiblity insurance policy tailored for each unique business. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does business liability insurance cover? While business insurance is not an insurance type per se, it is usually used as an umbrella term to refer to commercial general liability insurance and all the business insurance sub-types. Explore the following insurance policies for specific coverage information:​ Commercial General Liability Insurance (CGL) Professional Liability Insurance (also known as Errors and Omissions) Commercial Property Insurance Commercial Auto Insurance Cyber Insurance Directors and Officers Insurance Product Liability Insurance Special Event Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs business liability insurance? Regardless of your business type, owning insurance is critical for the... --- ### Burlington Business Liability Insurance > At Zensurance we simplify the process of getting small business insurance in Burlington. Get a free quote, it's quick & easy! - Published: 2024-06-07 - Modified: 2024-10-08 - URL: https://www.zensurance.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 $19 per month. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/06/Burlington-Business-Insurance. svg Partnerships with over 50 leading Canadian insurance providers https://www. zensurance. com/wp-content/uploads/2019/06/chubb-small-business-insurance. svghttps://www. zensurance. com/wp-content/uploads/2019/06/beazley-commercial-insurance-canada. svghttps://www. zensurance. com/wp-content/uploads/2019/06/portage-mutual-insurance-for-small-business. svghttps://www. zensurance. com/wp-content/uploads/2019/07/Lloyds_of_London_logo. svghttps://www. zensurance. com/wp-content/uploads/2019/06/travelers-logo. svg Commercial insurance tailored for your business Business liability insurance (commercial insurance)protects business owners in Burlington against financial losses due to unforeseen events that may occur during day-to-day business operations, such as property damage, errors, or injuries. At Zensurance, we help small businesses thrive by providing the best rates on a custom insurance policy tailored for each unique business. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does business liability insurance cover? Depending on your business risks, there are several insurance coverages that can be grouped into your business insurance policy. Explore the following insurance policies for specific coverage information:​ Commercial General Liability Insurance (CGL) Professional Liability Insurance (also known asErrors and Omissions) Commercial Property Insurance Commercial Auto Insurance Cyber Liability Insurance Directors and Officers Insurance Product Liability Insurance Special Event Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs business liability insurance? Whether you're an entrepreneur or own a large company, having the proper insurance protection is critical for the long-term survival of your business.   A compressive business insurance package can cover the financial burden associated with unforeseen accidents. Here are some industries that we specialize in Burlington: Beauty Professionals Contractors Counsellors Consultants Home Business Insurance Landlords Personal... --- ### BC Personal Trainer Insurance > At Zensurance we simplify the process of getting BC personal trainer insurance. Get a free personal training insurance quote, it's quick & easy! - Published: 2024-05-09 - Modified: 2024-05-09 - URL: https://www.zensurance.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://www. zensurance. com/wp-content/uploads/2024/02/Personal-Trainer. svg https://www. zensurance. com/wp-content/uploads/2019/08/Personal-Trainer-Insurance. svg Insurance for personal trainers in B. C. For personal trainers across Canada’s westernmost province – in the Lower Mainland, B. C. Interior, on Vancouver Island, or in any of its regional districts – the risk of being liable for injuries or damages to clients under your instruction can threaten your financial wellness and livelihood. Zensurance is the no. 1 choice for personal trainers in B. C. seeking liability insurance thanks to our comprehensive coverage options, low cost, tailored policies, and world-class customer service. We insure hundreds of B. C. -based personal trainers and fitness instructors to help them safeguard their finances against unexpected loss and damage claims. Get a Free Quote Personal Training Liability Insurance FAQs:Personal training insurance is a policy containing different coverages that offer comprehensive protection from a broad range of liability and damage and loss risks. It’s essential for protecting a trainer's financial assets and reputation when unexpected events or accidents occur during training sessions.  A customized policy from Zensurance gives trainers in B. C. the peace of mind to focus on helping their clients achieve their fitness goals without worrying about potential legal or financial repercussions associated with their services. A personal training insurance policy may contain the following coverages: Professional Liability Insurance: Also called errors and omissions (E&O) insurance, professional liability insurance protects you from claims of professional negligence, misconduct,... --- ### Hot Dog Cart Insurance > Get the lowest rates for hot dog cart insurance! Zensurance offers affordable, custom coverage to keep your cart safe. Get your free quote today. - Published: 2024-05-02 - Modified: 2024-05-02 - URL: https://www.zensurance.com/restaurant-insurance/hot-dog-cart Hot Dog Cart InsuranceCustomized low-cost liability insurance for hot dog cart operatorsGet a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/05/Hot-Dog-Cart-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2024/05/Hot-Dog-Cart-Business-Owner. svgInsurance for hot dog cartsHot dog cart operators are professional food handlers. However, the industry is heavily regulated. The requirements include having a valid license for food vending in the municipalities you serve, meeting food safety and handling regulations, and complying with laws regarding the type of mobile kiosk or cart you use and the foods you sell. Whether you work at fixed or various locations, community events, fairs, and food festivals, a customized hot dog stand insurance policy from Zensurance is designed to address your unique liability risks. A hot dog cart insurance policy may include the following types of coverage: Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers third-party bodily injuries and third-party property damage caused by your regular business activities. For example, if a customer suffers an injury after tripping and falling on or near your cart, you may be liable for their medical expenses. CGL is designed to cover those costs. Product Liability Insurance:Product liability insurance is sometimes included with general liability insurance or can be added to your policy. Regardless, it is vital coverage for hot dog cart businesses to protect their finances from claims of third-party bodily injury or property damage caused by the foods they sell to the public. As a professional food handler, you are legally responsible for any foods and beverages you manufacture, distribute, or sell. Equipment Breakdown... --- ### Condo Rental Property Insurance > At Zensurance we simplify the process of getting landlord insurance for condo rental property. Get a free online quote and save today! - Published: 2024-05-02 - Modified: 2024-05-02 - URL: https://www.zensurance.com/landlord-insurance/condo-rental-property Condo Rental Property InsuranceLow-cost, comprehensive insurance protection for condo rental property landlordsGet a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/05/Condo-Landlord-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2024/05/Condo-Rental-Property-Owner. svg Insurance for condo rental propertyAlso known as landlord insurance or rental property insurance, a landlord condo rental insurance policy is designed to protect landlords who rent out condominium units to tenants from financial losses, such as damage to the unit caused by fire or water, as well as third-party bodily injury and property damage claims. Condo rental property owners need to protect their properties, contents, finances, and investments in a condominium unit. Although it’s similar to a standard homeowner’s policy, a condo owner’s rental insurance policy protects the interior of your unit and the contents you own. A condominium corporation managing the building also has strata insurance or condo corporation insurance to cover the building’s common areas, but that insurance does not protect your unit. A landlord’s condo insurance for a rental property covers your specific unit and any contents you own (kitchen appliances, furniture, permanent fixtures) if damaged or destroyed by fire, water, a natural disaster, theft, or vandalism. It also covers landlords for liabilities arising from their condo ownership and loss of rental income. Also called ‘fair rental value’ coverage, loss of rental income protection is designed to replace a landlord’s lost rental income if the unit is temporarily uninhabitable after an insurable loss while repairs are underway — for example, fire and smoke damage to the unit. A condo landlord insurance policy for a rental property... --- ### BC Restaurant Insurance > Zensurance can help you get comprehensive restaurant insurance coverage for your BC restaurant. Get a free online quote today! - Published: 2024-04-25 - Modified: 2024-05-07 - URL: https://www.zensurance.com/british-columbia-business-liability-insurance/restaurant Restaurant Insurance BC Customized, low-cost insurance for restaurant owners across British Columbia Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/04/Restaurant-Insurance-British-Columbia. svghttps://www. zensurance. com/wp-content/uploads/2024/04/BC-Restaurant-Owner. svg Insurance for B. C. restaurants Running a successful restaurant by delighting your customers with outstanding culinary adventures and building your reputation is challenging. For restaurant owners in the Lower Mainland to Vancouver Island, the Kootenay to Caribou regions, and the Northeast to the North Coast regions, the risks of property damage caused by fire, injuries to customers from foodborne illnesses, and unexpected incidents beyond your control can put you out of business. Zensurance is the top choice for restaurant owners in B. C. due to its comprehensive coverage options, low cost, tailored policies, and unparalleled customer service. We insure thousands of B. C. -based restaurants and small businesses to help them safeguard their finances and protect their employees’ jobs. Get a Free Quote Restaurant Insurance, Explained Restaurant insurance is a policy containing several coverages, each designed to help you recover from unanticipated damages and losses that can take a bite out of your bottom line and potentially put you out of business. Passion, exemplary customer service, and culinary excellence are all essential ingredients for a thriving, profitable hospitality business, but so is a comprehensive risk management and insurance plan. A customized insurance policy protects your restaurant’s financial wellness from the inherent liability risks you face. An extensive restaurant insurance policy may include the following types of coverages: Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers... --- ### Oshawa Business Liability Insurance > At Zensurance we simplify the process of getting commercial insurance for Oshawa small businesses. Get a free quote, it's quick & easy! - Published: 2024-04-24 - Modified: 2024-06-07 - URL: https://www.zensurance.com/oshawa-business-liability-insurance Business Insurance Oshawa Get low-cost small business insurance for your Oshawa business. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/04/Commercial-Insurance-Oshawa. svg Partnerships with over 50 leading Canadian insurance providers https://www. zensurance. com/wp-content/uploads/2019/06/chubb-small-business-insurance. svghttps://www. zensurance. com/wp-content/uploads/2019/06/beazley-commercial-insurance-canada. svghttps://www. zensurance. com/wp-content/uploads/2019/06/portage-mutual-insurance-for-small-business. svghttps://www. zensurance. com/wp-content/uploads/2019/07/Lloyds_of_London_logo. svghttps://www. zensurance. com/wp-content/uploads/2019/06/travelers-logo. svg Commercial insurance tailored for your business Business liability insurance (commercial insurance)protects business owners in Oshawa against financial losses due to unforeseen events that may occur during day-to-day business operations, such as property damage, errors, or injuries. At Zensurance, we help small businesses thrive by providing the best rates on a custom insurance policy tailored for each unique business. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does business liability insurance cover? Depending on your business risks, there are several insurance coverages that can be grouped into your business insurance policy. Explore the following insurance policies for specific coverage information:​ Commercial General Liability Insurance (CGL) Professional Liability Insurance (also known asErrors and Omissions) Commercial Property Insurance Commercial Auto Insurance Cyber Liability Insurance Directors and Officers Insurance Product Liability Insurance Special Event Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs business liability insurance? Whether you're an entrepreneur or own a large company, having the proper insurance protection is critical for the long-term survival of your business.   A compressive business insurance package can cover the financial burden associated with unforeseen accidents. Here are some industries that we specialize in Oshawa: Beauty Professionals Contractors Counsellors Consultants Home Business Insurance Landlords Personal Trainers Restaurants Sports and Fitness Yoga Instructors https://www. zensurance. com/wp-content/uploads/2019/06/get-insurance-and-save-zensurance. svg... --- ### Soccer Insurance > At Zensurance we simplify the process of getting liability insurance for soccer teams, leagues and coaches. Get a free quote! - Published: 2024-03-26 - Modified: 2024-04-23 - URL: https://www.zensurance.com/sports-insurance/soccer Soccer Insurance Comprehensive, low-cost protection for soccer leagues, teams, administrators, coaches, and trainers Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/03/Soccer-Insurance-from-Zensurance. svghttps://www. zensurance. com/wp-content/uploads/2024/03/Soccer-Player. svg Insurance for soccer teams, leagues, and coachesKnown internationally as 'the beautiful game', soccer is Canada's largest participatory team sport, with an estimated 1 million players, coaches, referees, volunteers and administrators, according to Canada Soccer. It is also estimated that 16% of all Canadian youth between the ages of three and 17 play organized soccer, making it the most popular sport among young Canadians. However, the risk of accidents, injuries to players and spectators, property damage, and lawsuits from soccer-related activities can lead to significant financial losses for league administrators, team owners, and coaches. A customized soccer insurance policy protects amateur leagues, teams, coaches, referees and trainers from the many liability risks they face. Soccer liability insurance is a customizable policy designed to provide financial support to leagues, teams, coaches, trainers, and volunteers if they are faced with a claim for damages or allegations of negligence and wrongdoing. Whether a third-party bodily injury to a player or spectator, accidental damage to third-party property, or a lawsuit arising from an accusation of professional negligence, soccer liability insurance can help you cover costs and recover quickly. A comprehensive soccer insurance policy may include the following types of coverages: Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers third-party bodily injury and third-party property damage claims during soccer-related activities, such as games, practices, tournaments, and training camps. Commercial Property... --- ### Dog Trainer Insurance > At Zensurance we simplify the process of getting pet & dog trainer insurance. Get a free insurance quote, it's quick & easy! - Published: 2024-03-26 - Modified: 2024-03-26 - URL: https://www.zensurance.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://www. zensurance. com/wp-content/uploads/2024/03/Dog-Trainer-Liability-Insurance. svg https://www. zensurance. com/wp-content/uploads/2024/03/Professional-Dog-Trainer. svg Insurance for dog trainers Dog trainers teach and modify a dog’s behaviour on behalf of their owners by helping them develop good manners, social skills, and be obedient. They develop personalized training plans tailored to each type of dog breed and based on their owner’s goals. They facilitate positive interactions between dogs, other animals, and people to help dogs become well-adjusted and confident in various social situations. However, dog trainers face liability risks when working closely with animals, which can threaten their finances and livelihoods. Insurance for dog trainers covers professionals from risks and liabilities associated with their work if something goes wrong. Dog trainer liability insurance, or pet training liability insurance, is a customized policy designed to address the potential risks dog trainers face when providing their services. It provides financial protection for dog trainers if an animal in their care is injured, injures someone else or another animal, or causes property damage. If that happens, a claim or lawsuit may be levied against you, and it could cost you thousands of dollars to pay for out of pocket. Dogs are intelligent, but working with dogs can be unpredictable, especially if the breeds you’re working with have behavioural problems. Shield your finances and reputation with a tailored, low-cost insurance policy from Zensurance. A dog training liability insurance policy typically includes the following coverages:... --- ### Partner - Amazon > Zensurance and Amazon have partnered to offer Amazon sellers savings on their business insurance policies. Get a free quote today! - Published: 2024-03-21 - Modified: 2024-07-26 - URL: https://www.zensurance.com/zensurance-insurance-program https://www. zensurance. 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 with Amazon to make it easy for Canadian Amazon sellers to purchase affordable and compliant product liability insurance. Product liability insurance is critical for Amazon sellers to help your business cover the cost of claims, if a customer claims that a product you sold in the Amazon. ca store was defective or caused bodily harm or property damage. Amazon and Zensurance have collaborated for Zensurance to provide low-cost quotes from different carriers so that you can easily compare quotes and select the right policy for your e-commerce business. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/03/Amazon-Seller. svghttps://www. zensurance. com/wp-content/uploads/2024/03/Amazon-Seller. svghttps://www. zensurance. 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 with Amazon to make it easy for Amazon sellers in Canada to purchase affordable and compliant product liability insurance. Product liability insurance is critical for Amazon sellers to help your business cover the cost of claims, if a customer claims that a product you sold in the Amazon. ca store was defective or caused bodily harm or property damage. Amazon and Zensurance have collaborated for Zensurance to provide low-cost quotes from different carriers so that you can easily compare quotes and select the right policy for your e-commerce business. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/03/Amazon-Retailer. svg Product liability insurance for Amazon sellers Whether you use Fulfilment by Amazon (FBA) or Fulfilment by Merchant... --- ### Moving Company Insurance > At Zensurance we simplify the process of getting liability insurance for your moving business. Get a free insurance quote, it's quick & easy! - Published: 2024-03-14 - Modified: 2024-03-26 - URL: https://www.zensurance.com/moving-company-insurance Moving Company Insurance Get movers liability insurance and protect your small business from accidents, losses, and other liabilities Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/03/Moving-Company-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2024/03/Professional-Mover. svg Insurance for moving companiesMoving company insurance covers moving businesses from the risks and liabilities they face when providing moving-related services. Movers can be liable for: The services and advice they provide to customers that cause physical or financial damages Damages to or losses of furniture and goods while in your care, custody, and control, whether in transit or stored at your or a third-party facility Damages to third-party property during a move Injuries to third parties, such as customers, bystanders, or passersby during a move Damages to items inside boxes that were packed or unpacked by your employees Injuries or damages to others or their property because of an auto accident Data breaches or cyber-attacks that compromise your customers' confidential information Damage to or loss of equipment your company rents, leases, or borrows A customized moving company insurance policy from Zensurance can shield your moving business’s finances and reputation if or when an unexpected accident or incident occurs. Comprehensive business insurance for moving companies may include the following coverages: Commercial General Liability (CGL) Insurance:Also called general liability insurance or slip-and-fall insurance, CGL covers your moving business from claims related to third-party bodily injuries and third-party property damage resulting from your company's usual activities. For instance, if a door frame at a customer's home is damaged by your moving crew while lifting a... --- ### Dropshipping Insurance > At Zensurance we simplify the process of getting insurance for your dropshipping business. Get a free online quote, it's quick & easy! - Published: 2024-03-14 - Modified: 2024-03-26 - URL: https://www.zensurance.com/e-commerce-insurance/dropshipping Dropshipping Insurance Protect your business and customers with customized business insurance for dropshipping Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/03/Dropshipping-Insurance. svg https://www. zensurance. com/wp-content/uploads/2024/03/Dropship-Business-Owner. svg Business insurance for dropshippingMany retailers and online sellers rely on dropshipping to sell their products online without having to operate a facility or warehouse where goods are stored, processed, and shipped for delivery. It is generally considered a low-risk order fulfillment method for online sellers and small businesses without incurring large operating costs by outsourcing the handling and shipping of their products. But do you need insurance for dropshipping? Yes. That’s because retailers and online sellers using dropshipping services need to protect themselves against various risks and liabilities, including product liability claims if items shipped are lost, stolen, or damaged, customer-related disputes, and cyber payment fraud. Dropshipping insurance is a customizable policy containing various coverages designed to shield your business from expensive claims and potential lawsuits.  For example, it covers potential customer disputes regarding product quality, delivery times, or other order fulfillment issues. Depending on the policy and the options you choose, it may include reimbursement for refunds, returns, or compensation for damages resulting from dissatisfied customers, chargebacks, or legal claims. A dropshipping insurance policy usually includes the following types of coverage: Commercial General Liability (CGL) Insurance:CGL, or general liability insurance, covers you for third-party bodily injury and third-party property damage claims arising from your regular business operations. It also includes tenants' legal liability coverage to cover paying to repair or replace damage to a commercial... --- ### Sports Coach Insurance > Get low-cost sports coach liability insurance from Zensurance. Comprehensive protection for coaches at all levels. Get a quote today! - Published: 2024-03-14 - Modified: 2024-03-14 - URL: https://www.zensurance.com/sports-coach-insurance Sports Coach Insurance Comprehensive insurance for sports coaches that protects their finances and reputations Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/03/Sports-Coach-Insurance-1. svg https://www. zensurance. com/wp-content/uploads/2024/03/Sports-Coach. svg Insurance for sports coachesSports coaches play a pivotal role in the development, training, and overall well-being of amateur athletes. From helping young athletes develop their skills, overseeing their physical conditioning, and fostering a positive culture and environment to providing guidance for improving, coaches serve as mentors, motivators, and role models. Why do sports coaches need insurance? To protect their finances, careers, and reputations from potential legal claims and financial losses arising from incidents that occur during their coaching activities. Sports coach liability insurance, also known as sports liability insurance or coach's liability insurance, is an insurance policy containing different coverages designed to protect sports coaches from potential legal claims and financial losses. It is particularly important for coaches who work with amateur or youth athletes, but it’s also relevant for coaches at all levels of sports participation. A customized sports coach liability insurance policy from Zensurance is designed to help protect coaches from the liabilities they face. A comprehensive sports coaching insurance policy includes: Commercial General Liability (CGL) Insurance: Also called general liability insurance, CGL covers coaches for third-party bodily injury and third-party property damage claims related to their coaching duties. Participants’ Liability Insurance: Participants’ liability insurance covers paying for injuries to players or athletes during games, tournaments, training camps and practices at sports facilities. It is an endorsement you can add to your general... --- ### Side Hustle Insurance > At Zensurance we simplify the process of getting insurance for your side hustle. Get a free side hustle business insurance quote, it's quick & easy! - Published: 2024-02-28 - Modified: 2024-03-14 - URL: https://www.zensurance.com/side-hustle-insurance Side Hustle Insurance Get customized, low-cost protection for your side hustle and protect your finances Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/02/Side-Hustle-Insurance. svg https://www. zensurance. com/wp-content/uploads/2024/02/Side-Hustle. svg Customized business insurance for your side hustleHaving a side hustle, side job, or a job in the gig economy is on the rise in Canada.  Data suggests 28% of Canadians now have a side hustle, up from 13% one year ago. Moreover, 72% of side hustlers hope to turn their side gig into their primary business. Whether you have aspirations of making your side hustle a full-time occupation or not, all side hustles come with significant liability risks that pose potential threats to your financial health and reputation. A customized side hustle insurance policy is the backbone of your risk mitigation strategy protecting your finances and reputation following an insurable loss. Side hustle insurance is a tailored policy containing several types of insurance designed for anyone engaged in part-time or occasional business activities to protect their finances, assets, and reputation from damages and losses. There are several reasons why you shouldprotect your side hustle with insurance. A side hustle insurance policy’s coverage depends on the nature of the side job and the specific risks it involves. Common policy types that are included in a customized side hustle insurance policy are: Commercial General Liability (CGL) Insurance: General liability insurance covers you for claims of third-party bodily injury and third-party property damage resulting from your side hustle’s usual activities. It is frequently referred to as ‘slip-and-fall’... --- ### Zensurance Business Contents Calculator > Try our free business contents insurance calculator to ensure your commercial property and contents are adequately protected. - Published: 2024-02-26 - Modified: 2024-07-16 - URL: https://www.zensurance.com/business-contents-calculator Business Contents Calculator Try our free property insurance calculator to ensure your commercial property and contents are adequately protected https://www. zensurance. com/wp-content/uploads/2024/02/LP_Contents-Insurance_Hero-Bubble. svg Commercial property insurance is essential when it comes to protecting your business’s property, equipment, inventory, and contents. It’s the foundational step in shielding your assets from unforeseen risks. But another crucial aspect is often overlooked: ensuring your property coverage limits are adequate enough to protect your business. For property coverage, you are required to get a coverage limit representing the cost to repair or replace your assets. Otherwise, a co-insurance penalty may apply in the case of a claim, and you will not be fully covered for your losses. Our business contents calculator can help you determine how much insurance coverage you need to repair or replace your business property, equipment, and contents if you suffer damages or losses and need to file a claim. Try it now! https://www. zensurance. com/wp-content/uploads/2023/12/HP-AB_Section-10_Contact-Us-Icon. svghttps://www. zensurance. com/wp-content/uploads/2023/12/HP-AB_Section-10_Contact-Us-Icon. svgNeed help? Let us assess your current coverage and customize a policy with the right level of coverage that suits your business’s unique requirements. Contact Us Additional Resources Commercial Property Insurance: Actual Cash Value or Replacement Value Coverage? What Is Co-Insurance and How Does It Affect Business Property Insurance? How to Do a Contents Inventory for Commercial Property Insurance  11 Reasons Why a Business Insurance Claim Could Be Denied What Is a Business Insurance Policy Limit? How Much Does Commercial Property Insurance Cost? Frequently Asked QuestionsActual cash value and replacement value coverages are... --- ### Franchise Business Insurance > Get comprehensive insurance coverage to protect your franchise business from liability and risks. Get a free quote today! - Published: 2024-02-06 - Modified: 2024-02-06 - URL: https://www.zensurance.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://www. zensurance. com/wp-content/uploads/2024/02/Franchise-Liability-Insurance. svg https://www. zensurance. com/wp-content/uploads/2024/02/Franchise-Business-Owner. svg What is franchise insurance? Insurance for franchises is a customized policy containing various coverages designed to protect Canadian entrepreneurs who become franchisees in a broad range of industries from the many liability and legal risks they face operating a franchise. Franchisees face various liability risks inherent in operating a franchise. Addressing these risks with a comprehensive insurance policy is crucial for their success and financial well-being. A typical franchise liability insurance policy may feature the following types of coverages: Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, is the foundation of every franchise liability insurance policy. Commonly called ‘slip-and-fall’ insurance, CGL covers you for claims or allegations of third-party bodily injuries and third-party property damage that may occur on your commercial property or as a result of your business’s daily operations. CGL also includes tenant legal liability coverage for repairing or replacing damaged property that you rent, lease or occupy, protection to deal with allegations of defamation or false advertising, and product liability insurance to cover third-party bodily injury or property damage claims caused by any product you manufacture, distribute, or sell. Commercial Property Insurance: Commercial property insurance covers the business space your franchise occupies, whether you own, rent, or lease it. It protects the building and your business contents (electronics, furniture, office equipment) and inventory from damage or loss due... --- ### Professional Liability Insurance Calgary > Zensurance provides low-cost professional liability insurance quotes for small business owners in Calgary. Get a free online quote! - Published: 2024-02-02 - Modified: 2024-02-02 - URL: https://www.zensurance.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 a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/02/Calgary-Professional-Liability. svghttps://www. zensurance. com/wp-content/uploads/2024/02/Calgary-Professional. svg Professional liability insurance for small businesses in Calgary Independent professionals, contractors, and small business owners across the Calgary Metropolitan Area – Downtown Calgary, Airdrie, Chestermere, Rocky View County, Beiseker, Cochrane, Crossfield, Irricana, Okotoks, High River, and Foothills County – who provide advice and services to their customers face significant professional liability risks. That’s why professional liability insurance is essential regardless of the type of business you have, the industry you’re in, and the services you provide. Also called errors and omissions (E&O) insurance, professional liability insurance is designed to cover your costs when facing customer claims alleging monetary losses resulting from your services due to professional negligence, misconduct, misrepresentation, or failing to deliver a service as promised. It also includes protection for the media and advertising services you provide your clients if legal action is taken against them, alleging defamation or false advertising. A customized, low-cost professional liability insurance policy from Zensurance is a vital safeguard to protect your finances and reputation from expensive losses due to allegations of wrongdoing, errors, or lawsuits. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/11/GREEN_compare-rates-zensurance. svg What does it cover? A professional liability insurance policy covers Calgary-based small businesses and independent professionals in any industry from a variety of expensive claims, legal disputes, and allegations, including: Negligence Misconduct Misrepresentation Failing to deliver a service as promised Omissions... --- ### Partner - Canadian Association of Natural Nutritional Practitioners > Zensurance and CANNP have partnered to offer members savings on business insurance. Get a free quote today! - Published: 2024-02-02 - Modified: 2024-02-05 - URL: https://www.zensurance.com/cannp https://www. zensurance. com/wp-content/uploads/2024/02/CANNP-logo. png Welcome, CANNP Members! Zensurance has partnered with the Canadian Association of Natural Nutritional Practitioners to provide members exclusive rates on business insurance. Get your free quote today! It's easy and takes only a few minutes. Get a Free Quote Please select "Holistic Nutritionist" as your profession/industry type.   (Question 1) https://www. zensurance. com/wp-content/uploads/2024/02/Natural-Nutritional-Practitioner. svg Customized Business Insurance in Minutes! https://www. zensurance. com/wp-content/uploads/2024/01/Low-Cost-Protection-Icon. svg Low-Cost Protection Customized, low-cost business insurance that protects your finances and enhances financial wellness by helping you recover quickly after suffering insurable damage or loss. https://www. zensurance. com/wp-content/uploads/2024/01/Hassle-Free-Coverage-Icon. svg Hassle-Free Coverage Get a free quote and buy a policy online whenever convenient for you. Just tell us what you do, choose your coverages, buy online and get a certificate of insurance instantly. https://www. zensurance. com/wp-content/uploads/2024/01/Dedicated-Claims-Service-Icon. svg Dedicated Claims Service Our dedicated claims team is available 24/7 to help you file a claim, provide guidance, and ensure your claim is addressed by your insurer quickly. https://www. zensurance. com/wp-content/uploads/2024/01/Experienced-Brokers-Icon. svg Experienced Brokers Our licensed brokers are risk management experts who can answer your questions, tell you what you need, and explain what you’re covered for in plain language. https://www. zensurance. com/wp-content/uploads/2024/01/Customer-Service-Icon. svg World-Class Customer Service We strive to deliver the top-notch customer service you deserve at every turn. Whether changing or renewing a policy or answering your questions, we put your concerns first. https://www. zensurance. com/wp-content/uploads/2024/01/Membership-Benefits-Icon. svg Membership Benefits We don’t just sell business insurance; we also support our clients through the Zensurance Perks program... --- ### Drywall Contractor Insurance > At Zensurance we simplify the process of getting drywall contractor insurance. Get a free quote, it's quick and easy! - Published: 2024-02-01 - Modified: 2024-04-02 - URL: https://www.zensurance.com/contractor-insurance/drywaller Drywall Contractor Insurance Ontario Comprehensive drywall insurance coverage for professional drywall contractors and installers in Ontario Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/03/Drywall-Contractor-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2024/03/Drywaller. svg Insurance for Ontario drywall contractors Drywall and plaster contractors and installers are professionals who specialize in the installation, repair, and finishing of drywall, gypsum board or plasterboard. These skilled tradespeople accurately measure, cut, and install drywall panels to create walls and ceilings in both residential and commercial buildings. In some cases, drywall contractors also do insulation installations. Furthermore, they may consult with builders, architects, or property owners to plan the layout, design, and installation of drywall in a construction or renovation project. However, drywall contractors and installers face several potential liability risks in their line of work, including accidents, errors in workmanship, environmental factors, and contractual disputes. A customized drywall contractor insurance policy is essential protection to safeguard them from the liabilities they face. Drywall insurance is a customized policy containing different coverages designed to protect contractors or small business owners involved in drywall installation, repair, and finishing work. It provides financial protection against various liabilities, claims, and risks associated with your services. A drywall contractor insurance policy typically includes the following types of coverages: Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers claims of third-party bodily injury, third-party property damage, and allegations of defamation or false advertising. It’s designed to pay for damages caused by accidents or negligence. For example, if a customer or passerby trips, falls, and is hurt... --- ### Partner - West Nova Chamber > Zensurance and West Nova Chamber of Commerce have partnered to offer you savings on business insurance packages. Get a free quote today! - Published: 2024-01-16 - Modified: 2024-01-24 - URL: https://www.zensurance.com/wncc https://www. zensurance. 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% off your business insurance quote. Our insurance coverages are specially designed for businesses at any stage across 100s of industries to ensure you get the coverage you need. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/08/Zen-Small-Business-Owner. svg What is business insurance? Business insurance protects business owners from losses due to unforeseen events that may occur during day-to-day business operations, including third-party property damage, bodily injuries, or failure to deliver a service as promised. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does business insurance cover? Every business is unique, and insurance requirements may vary by specialization; however, a comprehensive policy package will typically include the following coverages: Commercial General Liability Insurance (CGL) Professional Liability Insurance Product Liability Insurance Commercial Property Insurance Cyber Liability Insurance Directors and Officers Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs business insurance? Regardless of size or industry, insurance is critical for the long-term survival of your business. Business insurance provides coverage for the financial costs associated with unforeseen events such as damage caused to third parties, accusations of professional negligence or defective products. Your business is unique and your coverage will vary. Speak with one of our brokers to find a policy to suit your needs. Read about four examples where insurance saved a startup. https://www. zensurance. com/wp-content/uploads/2019/06/get-insurance-and-save-zensurance. svg How much does it cost? Your insurance premium cost varies based on factors such as specialization, services, and annual... --- ### Pharmacy Technician Insurance > Pharmacist Technician Insurance: Safeguard yourself and your patients with comprehensive professional liability insurance coverage. Get a free online quote today! - Published: 2023-12-19 - Modified: 2023-12-19 - URL: https://www.zensurance.com/pharmacy-technician-insurance Pharmacy Technician Insurance Get comprehensive pharmacy techician insurance to safeguard your assets and reputation. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/12/Pharmacy-Technician-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2023/12/Pharmacy-Tech. svgInsurance for pharmacy techniciansThe vital services pharmacy technicians offer have never been more important in Canada.  These healthcare professionals’ primary role is to assist pharmacists in preparing and dispensing medications to patients. It’s a significant responsibility involving more than preparing and administering medications. But also includes medicationlabelling, inventory management, and data entry while adhering to provincial regulations. Sometimes called pharmacy technician malpractice insurance, all licensed College of Pharmacy professionals in every province must carry professional liability or medical malpractice insurance. Pharmacy technician liability insurance is a customized policy featuring coverages designed to protect pharmacy techs from everyday liability risks.  This type of insurance covers pharmacy techs if they make a mistake, give incorrect advice, or fail to perform their duties as required. A pharmacy technician liability insurance policy typically includes the following coverages: Professional Liability Insurance: Also called errors and omissions (E&O) or medical malpractice insurance, professional liability insurance protects pharmacy techs from allegations and claims of professional negligence. It is designed to cover the cost of claims or lawsuits against you alleging negligence, mistakes, or failure to deliver a service as required or promised. Legal Expense Insurance:Legal expense insurance covers the costs of seeking legal advice from an experienced lawyer for common business-related issues. It includes statutory licence protection if you’re under investigation by your provincial regulator due to a patient complaint against you, legal advice... --- ### Special Event Insurance > At Zensurance we simplify the process of getting special event insurance. Get a free quote, it's quick and easy! - Published: 2023-12-06 - Modified: 2024-11-08 - URL: https://www.zensurance.com/event-insurance Event Liability Insurance Get comprehensive event insurance and safeguard your assets from liability risks you face. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/08/Bubble_Event-Liability-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2023/12/Special-Events. svgQuick and easy event liability insuranceGet special event liability insurance quickly and easily through Zensurance. Regardless of when or where your event is taking place and whether alcohol will or won’t be served, get the low-cost coverage you need for weddings, corporate and private parties, sporting events and other similar occasions. As the host or organizer of an event or party in an office, a private residence, or a rented venue, you face several liability risks that can threaten your financial wellness.  Special event liability insurance is designed to cover you for third-party bodily injury or property damage claims that may occur during the event.  For example, if a guest at a wedding slips and falls and is injured, or if a rented venue’s property is damaged during a corporate gathering, a customized special event insurance policy from Zensurance may cover an injured person’s medical expenses, third-party property damage claims, and your legal fees if you are sued. An event liability insurance policy may include the following types of coverages: Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, protects you from third-party bodily injury and third-party property damage claims that occur during your event. It is designed to pay for an injured person’s medical expenses or cover the cost of damage to their property while attending your event. Host Liquor Liability Insurance: If... --- ### Help Centre > Zensurance - Help Centre. Can't find an answer to your question? Call us at: 1-888-654 6030 or email: support@zensurance.com - Published: 2023-11-08 - Modified: 2024-02-01 - URL: https://www.zensurance.com/help-centre Help Centre https://www. zensurance. com/wp-content/uploads/2023/11/FAQ-Claims. svg Claims Go to FAQshttps://www. zensurance. com/wp-content/uploads/2023/11/FAQ-Billing. svg Billing Go to FAQs Claims FAQ Billing FAQ --- ### Auto Detailing Insurance > Get a customized auto detailer liability insurance policy to protect your car detailing business. Get a free online quote! - Published: 2023-10-31 - Modified: 2024-05-22 - URL: https://www.zensurance.com/auto-detailing-insurance Auto Detailing Business Insurance Get low-cost customized business insurance  your  auto detailing business Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/10/Car-Detailer. svghttps://www. zensurance. com/wp-content/uploads/2023/10/Auto-Detailer. svg Insurance for auto detailers You provide meticulous cleaning, restoration, and finishing for your customers' vehicles, both exterior and interior, to rejuvenate a car's appearance and enhance its value. But sometimes, things can go wrong, no matter how cautious you are. That's why auto detailing liability insurance is vital for protecting your business and financial assets. It's a safety net that covers you for unforeseen incidents or accidents. A comprehensive car detailing insurance policy lets you focus on growing your business and delighting your customers without worrying about potential legal or financial setbacks. Insurance for auto detailing businesses is designed to protect professional auto detailers from financial losses arising from third-party claims.  Auto detailing involves cleaning, polishing, and restoring the interior and exterior of vehicles to make them look new. While providing these services, there is a potential for accidents, damage to cars, or other incidents that could lead to legal or expensive damage claims against you. Auto detailing insurance is the financial protection you need to deal with unexpected accidents or legal issues that could upend your business. A comprehensive auto detailing insurance policy from Zensurance includes various coverages, including: Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers costs associated with third-party bodily injuries and third-party property damage from your business’s activities. For instance, if a customer trips, falls, and is injured on your... --- ### Vape Shop Insurance > Get low-cost business insurance to protect your vape shop. Compare quotes and get the coverage you need quickly and easily! - Published: 2023-10-24 - Modified: 2023-10-24 - URL: https://www.zensurance.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://www. zensurance. com/wp-content/uploads/2023/10/Vape-Shop. svg https://www. zensurance. com/wp-content/uploads/2023/10/Vape-Store. svgInsurance for vape and smoke shopsVape shops are among Canada's fastest-growing types of businesses, with revenue estimated to be worth US$1. 3 billion in 2023 and growing annually by 3. 90% through 2028. Their popularity is spurred by the belief that e-cigarettes, vape pens, and e-liquids or vape juices can help smokers transition away from tobacco in favour of a productthat could pose fewer health risks to users. Many smoke shops and convenience stores selling tobacco may also sell vaping products. However, businesses selling e-cigarettes and vaping products face many liability risks that require a comprehensive vape shop insurance policy to protect them. Vape shop liability insurance protects businesses that operate vape shops or sell vaping products. It provides financial protection in case of legal claims, lawsuits, or other liabilities the business may face. Vape shop owners face unique risks related to the sale and use of vaping products. A vape shop liability insurance policy from Zensurance is tailored to address those specific concerns. A comprehensive vape shop liability insurance policy may include the following types of coverages: Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers vape store and smoke shop owners from third-party liability risks, such as bodily injury to a customer if they slip and fall in your store or if a customer's personal property is damaged because of... --- ### Laundromat and Dry Cleaner Insurance > Find the best rates for laundromat and dry cleaner insurance. Compare quotes and get the coverage you need quickly and easily! - Published: 2023-10-24 - Modified: 2023-10-24 - URL: https://www.zensurance.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://www. zensurance. com/wp-content/uploads/2023/10/Laundromat. svg https://www. zensurance. com/wp-content/uploads/2023/10/Dry-Cleaner. svgInsurance for laundromats and dry cleaning businessesLaundromats, coin laundry operators, and dry cleaning businesses keep our clothing and linens fresh and clean. Statistics Canada estimates there are 1,092 coin-operated laundries and dry cleaners nationwide.   Owners of laundromats, coin laundry businesses, and dry cleaners face various liability risks ranging from injuries to customers, equipment malfunctions, and property damage. A comprehensive laundromat and dry cleaning insurance policy protects business owners’ finances and reputations if claims, damages, or legal threats arise. Insuring your washers, dryers, and pressers is vital, but so too is covering your commercial property, inventory, and yourself from third-party bodily injury and third-party property damage risks. A laundromat and dry cleaning insurance policy includes a broad range of coverages to protect your small business from unforeseen accidents or incidents. A typical policy may include: Commercial General Liability (CGL) Insurance: Commonly called general liability insurance, CGL protects your laundry business from third-party bodily injury and property damage claims because of an accident or unforeseen incident. For example, if a customer falls and is injured on your property, CGL may cover their medical and rehabilitation expenses. If the injured customer sues you, CGL can cover your legal defence fees and any compensation awarded to the customer up to your policy’s limit. Commercial Property Insurance: The building and your contents (like your washing machines) where your laundromat, coin... --- ### DJ Insurance > Save up to 35% on your DJ insurance policy. Protect your DJ business from professional liability risks and coverage for your equipment. - Published: 2023-10-24 - Modified: 2024-05-30 - URL: https://www.zensurance.com/entertainment-insurance/dj DJ Insurance Customized, comprehensive liability insurance for Canadian disc jockeys to safeguard their assets and reputations Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/10/DJ. svghttps://www. zensurance. com/wp-content/uploads/2023/10/Disc-Jockey. svgLiability insurance for DJsDisc jockeys (DJs) create memorable moments and a celebratory atmosphere at every event. They spin or play the music we love to hear, building anticipation and setting the right ambience. They typically also serve as MCs, coordinate activities, and have expertise in selecting the right music to match the mood and theme of every event through access to vast libraries of music that appeal to diverse musical tastes. However, DJs face several liability risks in their line of work. From the possibility of injuries to clients, equipment failures, or failure to meet client expectations, all DJs need a liability insurance policy to protect their finances and reputations. DJ insurance is a customized policy containing several coverages to address professional DJs' liability risks. It provides financial protection in the event of third-party damages, accidents, client disputes, or claims that could potentially lead to legal or financial consequences that could derail a DJ’s livelihood. A comprehensive DJ liability insurance policy typically includes the following coverage: Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, protects DJs from costs associated with third-party bodily injuries and third-party property damage caused by your services and allegations of defamation or false advertising. It may also include product liability insurance to cover bodily injuries or property damage caused by a product you manufacture, distribute for free, or sell.... --- ### How Much Does General Liability Insurance Cost? > How much is general liability insurance? Learn the various risk factors determining the CGL policy cost for your business. - Published: 2023-10-10 - Modified: 2023-10-10 - URL: https://www.zensurance.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 Quotehttps://www. zensurance. com/wp-content/uploads/2023/10/CGL-Cost. svg What is general liability insurance? General liability insurance, also called commercial general liability insurance or slip-and-fall insurance, is designed to cover everyday business liability risks. For example, it covers third-party bodily injury claims and third-party property damage claims due to an accident or negligence on behalf of your operations, resulting in injuries to a customer or visitor on your premises.  General liability insurance also protects business owners who lease or rent a commercial space by covering costs to repair or replace others’ property and can also feature coverage for personal injuries to a third party resulting from your advertising if facing an allegation of libel or slander.  General liability insurance may also include product liability coverage to address property damage or bodily injuries suffered by others caused by a product you manufacture, distribute, or sell. How much does general liability insurance cost? Small business owners will typically pay approximately $500 annually for general liability insurance with a $1 million coverage limit. The premium may vary depending on your risk and coverage options. An insurance provider determines the cost of a general liability policy based on: Location: Insurance pricing can vary by the location of your business and the areas where you provide services. Certain locations may have higher risks associated with them, such as higher crime rates or natural disaster risks, which can increase insurance premiums.... --- ### Pet Grooming Insurance > At Zensurance we simplify the process of getting pet groomer insurance. Get a free quote, it's quick and easy! - Published: 2023-09-26 - Modified: 2023-09-29 - URL: https://www.zensurance.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://www. zensurance. com/wp-content/uploads/2023/09/Pet-Groomer. svghttps://www. zensurance. com/wp-content/uploads/2023/09/Dog-Grooming-Business-Owner. svgInsurance for pet grooming servicesOwning a pet such as a dog or cat is a big responsibility. And pet owners pamper their animals in many ways, including taking them to a professional pet grooming business or calling on mobile pet grooming services to maintain the health of their animals’ skin and coat.  Pet grooming services are vital for the health of any animal. It helps prevent hair matting and tangles, reduces shedding, prevents ear infections in animals with long ears, and keeps your pet’s teeth, nails, and other body parts clean and healthy. Offering services ranging from shampooing, colouring an animal’s coat, cleaning their teeth and gums, clipping nails and trimming fur, and cleaning a dog’s or cat’s eyes and ears are necessary but also pose risks for pet groomers. Professional pet groomers typically work with domesticated dogs and cats but may also provide services to care for larger animals like horses. All animals can be unpredictable in your care and may occasionally bite, scratch, or kick, inflicting injury on you or others. That's one reason why pet grooming business insurance is essential. Pet grooming businesses also have expensive equipment and supplies necessary for their operations. These assets can be damaged or stolen, resulting in financial loss. Business insurance can provide property coverage to protect against losses related to damage, theft, or other types of... --- ### Errors and Omissions (E&O) Insurance BC > Zensurance provides low-cost errors and omissions insurance quotes for small business owners in BC. Get a free online quote! - Published: 2023-09-08 - Modified: 2024-01-24 - URL: https://www.zensurance.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 if facing professional negligence claims. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/09/BC-Errors-and-Omissions-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2023/09/BC-EO. svg E&O insurance for small businesses and professionals in BC Small business owners, contractors, freelancers, and self-employed professionals across B. C. who provide advice, services, or develop products for their clients need an errors and omissions (E&O) insurance policy to protect their finances and reputations. Also called professional liability insurance, E&O insurance covers you for allegations of negligent acts, mistakes, or omissions that cause financial or reputational harm to your clients. It also covers you for misconduct accusations and failing to deliver a service as promised. Furthermore, it can include coverage for your media and advertising services if a client is sued for defamation. Wherever your business is located and where you provide your services across Canada’s westernmost province and beyond, a comprehensive E&O insurance policy from Zensurance is the vital foundation your risk management strategy needs. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/11/GREEN_compare-rates-zensurance. svg What does it cover? E&O insurance protects small business owners and professionals offering their clients advice, services, or expertise. It serves as financial support if your services and guidance lead to allegations of wrongdoing from one of your clients, including: Claims of professional negligence Mistakes or oversights related to your services or the advice you provide Failing to deliver a service promised to a client Accusations of professional misconduct Allegations of misrepresentation or... --- ### Restaurant Insurance Ontario > Business insurance for Ontario restaurant owners protects against liability resulting from injuries and coverage for property and equipment. - Published: 2023-09-08 - Modified: 2024-06-27 - URL: https://www.zensurance.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 Quotehttps://www. zensurance. com/wp-content/uploads/2023/09/Ontario-Restaurant-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2023/09/ON-Restaurant-Business. svghttps://www. zensurance. com/wp-content/uploads/2023/09/ON-Restaurant-Business. svgBusiness insurance for Ontario restaurant ownersFrom busy downtown kitchens to authentic farm-to-table eateries, restaurant owners across Ontario deliver an ever-evolving multicultural variety of delicious gastronomic experiences. Whether bustling restaurants located in big cities like Toronto, Ottawa, Mississauga, and Kingston or charming grills and diners in smaller cities and rural areas like Guelph, Windsor, Huntsville and Bancroft, Ontario's restaurateurs offer a variety of culinary options to explore. However, restaurant owners also face considerable liability risks. From slip-and-fall accidents to a customer suffering an allergic reaction to the threat of fire, every restaurant of any size in Ontario needs a comprehensive restaurant insurance policy to help them recover from unexpected accidents, damage, and loss. Get a Free Quote What does it restaurant insurance cover? Every restaurant insurance policy is customized to cover a business's liability risks. In general, a typical restaurant insurance policy might include the following coverages: Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers risks involving bodily injuries or property damage to third parties visiting your establishment, such as your customers. It’s designed to cover your legal expenses if sued or pay for an injured customer’s medical fees if, for example, they slip, fall, and are injured on your premises. General liability insurance may also include product liability insurance to protect against claims alleging third-party property damage or... --- ### Contractor Insurance Nova Scotia > At Zensurance we simplify the process of getting contractors' insurance in Nova Scotia. Get a free quote today! - Published: 2023-09-01 - Modified: 2023-09-01 - URL: https://www.zensurance.com/nova-scotia-business-liability-insurance/contractor Contractor Insurance Nova ScotiaComprehensive protection for general contractors and construction industry small businesses in Nova Scotia. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/09/Nova-Scotia-Contractor. svg https://www. zensurance. com/wp-content/uploads/2023/09/NS-Contractor. svgInsurance for Nova Scotia contractorsContractor insurance for Nova Scotia-based skilled trade professionals, general contractors, and construction industry small business owners covers various liability risks. A comprehensive contractor insurance policy in Nova Scotia is vital for getting a certificate of insurance, protecting your finances and reputation and ensuring you can successfully bid on building contracts. From Halifax to Dartmouth, Antigonish to Sydney, or Truro to Glace Bay, different types of Nova Scotia contractors throughout the province face liability risks inherent to the industry.  From third-party lawsuits, allegations of professional negligence, theft of or vandalism to tools, equipment, and materials or unexpected damages at a job site because of fire or severe weather, a customized contractor insurance policy is the foundation of your risk management plan to safeguard your livelihood. A customized contractor insurance policy for Nova Scotia contractors may include the following types of coverages: Commercial General Liability (CGL) Insurance Commercial Property Insurance Tools and Equipment Insurance Builder’s Risk Insurance Pollution Liability Insurance Commercial Auto Insurance Additional coverages to strengthen your policy might include: Professional Liability Insurance Cyber Liability Insurance Tenant Legal Liability Insurance Leased, Rented, Borrowed Equipment Insurance Many Nova Scotia contractors buy a policy with up to $2 million of general liability coverage at a starting annual premium of $450. The actual cost of your insurance policy will be based on several factors,... --- ### Professional Liability Insurance BC > Zensurance provides low-cost professional liability insurance quotes for small business owners in BC. Get a free online quote! - Published: 2023-08-23 - Modified: 2024-01-24 - URL: https://www.zensurance.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 lawsuits and claims of professional negligence. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/08/BC-Professional-Liability. svghttps://www. zensurance. com/wp-content/uploads/2023/08/BC-Professional. svg Professional liability insurance for small businesses in BC Small business owners and independent professionals across British Columbia – from Victoria to Vancouver, Kelowna to Prince George, Kamloops to Chilliwack and everywhere across B. C. need protection from third-party allegations and lawsuits related to their professional services, advice, and expertise. Professional liability insurance covers your business against claims and lawsuits alleging professional negligence, misconduct, misrepresentation and failure to deliver services as promised. It may also protect your media and advertising services that trigger a lawsuit against your customers if sued for defamation, libel, or slander. Also referred to as errors and omissions (E&O) insurance or medical malpractice insurance, a professional liability insurance policy from Zensurance is vital to safeguard your finances, assets, and reputation. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/11/GREEN_compare-rates-zensurance. svg What does it cover? A typical professional liability insurance policy protects small businesses, startups, entrepreneurs, contractors, and self-employed professionals in hundreds of industries from a variety of liability exposures, including: Negligence Misconduct Misrepresentation Failing to deliver a service as promised Omissions Mistakes or oversights in your services Breach of contract Poor advice Products or devices you provide or develop for a client https://www. zensurance. com/wp-content/uploads/2022/11/GREEN_get-insurance-and-save-zensurance. svg How much does it cost? Professional liability insurance in BC typically starts at around $250 per year. However,... --- ### Errors and Omissions Insurance Alberta > Zensurance makes it easy for Alberta business owners to purchase errors and omissions insurance. Get a free online quote in just a few clicks! - Published: 2023-08-17 - Modified: 2024-03-26 - URL: https://www.zensurance.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 facing professional negligence claims. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/08/Alberta-EO. svghttps://www. zensurance. com/wp-content/uploads/2023/08/Alberta-Business-Professional. svgE&O insurance coverage for small businesses in AlbertaFor small business owners and independent professionals throughout Wild Rose Country providing advice and services to their clients, errors and omissions (E&O) insurance is vital for safeguarding their finances and reputations. Also called professional liability insurance, E&O insurance protects Alberta's small businesses, entrepreneurs, and self-employed professionals from claims of negligence, mistakes, or inadequate work in their services.   Whether you conduct business in large cities like Calgary, Edmonton, Red Deer and Lethbridge or in smaller centres such as Grande Prairie, St. Albert, Canmore, Banff and all places in between across Alberta, a customized E&O insurance policy is a critical part of your business's risk management strategy. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/11/GREEN_compare-rates-zensurance. svg What does it cover? E&O insurance is designed to protect small business owners and professionals offering advice, services, or expertise to their clients. It provides financial support for business owners when their services lead to financial or reputational harm to their clients by covering the following: Allegations of professional negligence Errors or omissions related to your services or the advice you provide Failing to deliver a service as promised Allegations of professional misconduct Your media and advertising services that result in a client being sued for defamation Misrepresentation or making false statements Failing to fulfill your duty... --- ### Liquor Liability Insurance > Liquor liability insurance provides financial protection for businesses that manufacture, serve, distribute, or sell alcohol. Get a free quote! - Published: 2023-08-17 - Modified: 2024-10-24 - URL: https://www.zensurance.com/liquor-liability-insurance Liquor Liability InsuranceProtect your financial interests with a customized liquor liability insurance policy. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/08/Liquor-Liability-Insurance. svg Why Choose Zensurance? We help Canadian business owners save time and money by providing a convenient and affordable way to buy business insurance. Purchase your insurance anytime, anywhere, with our easy-to-use online platform. Compare rates across leading insurance companies to ensure you get the best price on your premium. We use data and analytics to identify the right insurance policies for your business. Get a Free Quote Now Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: A bar or restaurant serves alcohol to a customer who later causes a drunk driving accident resulting in injuries or property damage to other people. Outcome: Your alcohol liability insurance may cover the cost of damages that the court may award to the injured people for medical costs, loss of earnings, and pain and suffering up to your policy’s coverage limit. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: While at a large public event or festival where alcohol is served, an attendee becomes intoxicated and injures another attendee, leading to a claim against the event organizer. Outcome: Your party alcohol liability insurance may cover the injured attendee’s medical expenses as well as any legal awards made against you for medical costs, loss of earnings, and pain and suffering. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: An employee consumes alcohol at a company-sponsored event and later causes harm to a third party, resulting in a claim against the employer as... --- ### Locksmith Insurance > Get comprehensive insurance coverage to protect your locksmith business. Receive an instant quote in just a few clicks! - Published: 2023-08-17 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/locksmith Locksmith Insurance Secure your locksmith business against liability risks with customized business insurance for locksmiths. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/08/Locksmith. svghttps://www. zensurance. com/wp-content/uploads/2023/08/Locksmith-Contractor. svgInsurance for locksmithsLocksmiths help keep our properties secure. From lock installations, repairs and maintenance to emergency lockout services, rekeying, security consultations and installing complex security systems, these skilled professionals provide a broad range of locks and general security services. Like all skilled trades, Canadian locksmiths face many liability risks that call for a comprehensive locksmith insurance policy to protect their assets and reputations. Insurance for locksmiths is a tailored policy containing multiple coverages encompassing their liability risks.  From key duplication errors, third-party bodily injury and property damage claims, and errors to contractual disputes and the risk of customer data breaches, a locksmith insurance policy can help locksmiths recover from damage, loss, and legal threats. A comprehensive locksmith insurance policy typically includes the following coverages: Commercial General Liability (CGL) Insurance: GCL, or general liability insurance, covers locksmiths for third-party bodily injury or property damage claims that may arise from your daily operations. For example, if a customer accuses you of damaging their property after installing new door locks or a CCTV security system, CGL may pay for those damages and provide you with funds to defend yourself in court if you’re sued. Commercial Property Insurance: Commercial property insurance is designed to protect your business property, its contents and inventory if damaged by water, fire, a natural disaster, theft, or vandalism. This type of coverage usually includes business... --- ### Basketball Insurance > Liability Insurance for basketball teams, leagues, coaches and trainers. Get a free basketball insurance quote from Zensurance. - Published: 2023-08-16 - Modified: 2024-04-23 - URL: https://www.zensurance.com/sports-insurance/basketball Basketball Insurance Basketball leagues, teams, coaches, and trainers face a range of liability risks. Get the comprehensive basketball camp insurance you need. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/08/Basketball_Team. svghttps://www. zensurance. com/wp-content/uploads/2023/08/Basketball_Player. svgInsurance for basketball leagues, teams, coaches, and trainersInvented by Canadian physician and educator Dr. James Naismith while working in the U. S. , and loved and played worldwide, basketball is undoubtedly one of Canada’s favourite sports. There are hundreds of indoor and outdoor basketball courts in Canada, and as the sport’s popularity continues to grow, so too does the number of youths learning and playing the game, and subsequently, the number of amateur coaches, leagues, and training camps. But liability risks can arise from different aspects of the sport. A customized basketball league insurance policy protects amateur leagues, teams, coaches, and trainers, from costs associated with player injuries to improper training and instruction to premises-related liability. Whether it’s basketball team insurance or basketball tournament insurance, Zensurance provides tailored basketball insurance policies consisting of various coverages designed to safeguard leagues, teams, facility owners, coaches, and instructors and trainers from the risks they face. Amateur basketball leagues and teams in Canada are typically managed and run by administrators, coaches, and trainers. These professionals face a range of liability threats, including third-party bodily injury and property damage to professional negligence claims. That’s why it’s critical for them to get a comprehensive youth basketball insurance policy. A customized basketball insurance policy may contain the following types of coverages: Commercial General Liability (CGL) Insurance:... --- ### Musician Insurance > Musicians Liability Insurance - Comprehensive liability insurance to protect musicians, bands and music equipment. Get a free quote. - Published: 2023-08-08 - Modified: 2024-04-23 - URL: https://www.zensurance.com/entertainment-insurance/musician Musician InsuranceCustomized music liability insurance protects musicians, bands, and musical artists from the risks they face. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/08/Musician. svghttps://www. zensurance. com/wp-content/uploads/2023/08/Band. svg Insurance for musicians Professional musicians, bands, and musical artists of all genres make the world sing and dance, but like professionals in other industries, musicians also face various liability risks. From copyright infringement claims, contract disputes, and tax liabilities to risks of third-party bodily injuries or property damage and theft of or damage to music equipment, a musician's financial welfare can quickly fall out of tune without a comprehensive music liability insurance policy to protect them. A customized music liability insurance policy includes several types of coverage to safeguard the finances and reputations of musicians, bands, and musical performers.  It is designed to protect musicians from various liability risks they may encounter. It can provide financial protection if a musician is held legally responsible for accidents, injuries, or damages during performances, rehearsals, or other music-related events. A comprehensive music pro insurance policy may include the following types of coverages: Commercial General Liability (CGL) Insurance: Also known as general liability insurance, CGL covers musicians and bands against third-party bodily or property damage claims during live performances, rehearsals, and studio sessions as part of your daily operations. For instance, if an audience member is injured by something you do during a live show, CGL may cover their medical expenses and lost wages. Commercial Property Insurance: Commercial property insurance protects you from damages to your rehearsal studio... --- ### Grant - Terms and Conditions > Terms and Conditions - Zensurance Small Business Grant. - Published: 2023-08-08 - Modified: 2025-02-14 - URL: https://www.zensurance.com/grant-terms-and-conditions 2025 Terms and Conditions ZENSURANCE “SMALL BUSINESS GRANT” PROMOTIONZENSURANCE SMALL BUSINESS GRANT promotion (referred to herein as the “Promotion”) is sponsored and operated by ZENSURANCE Brokerage Inc. (referred to herein as “Sponsor” or “ZENSURANCE”). The following are the Official Rules and Regulations (the “Rules”) for the Promotion. Adherence to these Rules is mandatory for any entry and participation in the Promotion to be considered valid. START AND CLOSING DATES: The Entry Period (the “Entry Period”) for the Promotion begins on February 18th, 2025, at 9:00 am, Eastern Daylight Time (“EDT”) and ends at 11:59 p. m. EDT on March 18th, 2025. A shortlist of six (6) businesses will be selected on or before March 25th 2025, shortlist businesses will be required to submit additional content on or before April 4th, 2025, and the winner(s) will be announced on April 8th,  2025. HOW TO PARTICIPATE: No purchase necessary. Making a purchase will not in any way increase or otherwise impact your chances of selection as the winner of the Promotion. Any existing Zensurance customer or new applicant for insurance coverage/s through Zensurance, on the designated SMALL BUSINESS GRANT linked web pages, that requests a quote for an insurance product by completing and submitting an online application will be eligible. Entrants must follow us on one (1) social media channel, and complete the mandatory submission form on the Zensurance SMALL BUSINESS GRANT web page, and provide the following: First, Last Name Email contact. Business Name* Business telephone number* Business Website* A brief... --- ### Performer and Entertainer Insurance > Performer and Entertainer Insurance: Your Stage, Your Security - Get comprehensive liability insurance tailored for performers & entertainers. - Published: 2023-08-04 - Modified: 2023-08-17 - URL: https://www.zensurance.com/entertainment-insurance/performer-and-entertainer Performer and Entertainer InsuranceProtect your professional entertainment career and reputation with a comprehensive liability insurance policy for performance artists. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/08/Performer. svghttps://www. zensurance. com/wp-content/uploads/2023/08/Entertainer-2. svgWhat is performer and entertainer insurance? Insurance for performance artists is a customized policy designed to shield a wide range of performers and entertainers from the liability risks they face associated with their work. From the risk of third-party bodily injury and property damage, contractual disputes, and copyright infringement to professional negligence and cybersecurity threats, insurance for performing arts is designed to protect entertainers and performers from these and other perils, including lawsuits. A comprehensive entertainment and performance insurance policy may include the following coverages: Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, may cover the cost of third-party bodily injuries or property damage resulting from accidents or negligence related to your performance that causes someone physical or financial harm.   Professional Liability Insurance:Also called errors and omissions (E&O) insurance, professional liability insurance covers claims alleging professional negligence, such as failing to deliver a service as promised, breach of contract, or a client claiming the performance you provided resulted in them suffering a financial loss.   Cyber Liability Insurance:No organization or individual, including entertainers and performance artists, is immune to the threat of a cyber-attack or a data breach. Cyber liability insurance can help cover the cost of repairing and restoring your affected software systems, email account, or website if you are hacked. If a data breach occurs and exposes... --- ### Artisan and Crafter Insurance > Secure Your Craft with Artisan and Crafter Insurance - Protect your creative business and handcrafted masterpieces with craft liability insurance. - Published: 2023-08-03 - Modified: 2024-04-23 - URL: https://www.zensurance.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 legal threats. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/08/Crafter. svghttps://www. zensurance. com/wp-content/uploads/2023/08/Artisan. svgBusiness insurance for artisans and craftersCreating handcrafted items or artworks using their skills, creativity, and expertise, artisans and crafters produce unique, high-quality, and often one-of-a-kind products carefully designed with a focus on craftsmanship. They play a significant role in preserving traditional craftsmanship, cultural heritage, and artistic traditions, and their work often embodies a sense of authenticity and individuality that sets their goods apart from mass-produced products.  These talented craftspeople produce unique goods, such as woodworking, pottery, jewellery making, textiles, glassblowing, metalworking, painting, sculpture, and many others.  Like all professions, these talented makers face many potential liability risks that require the protection of a comprehensive artisan and crafters insurance policy. Artisan and crafter insurance is a customized policy featuring several coverages designed to shield arts and crafts makers, whether for an individual craftsperson creating handmade goods or a small business owner producing a range of specialized products.  It protects against various risks, including product liability, third-party bodily injuries or property damage, professional negligence, and cyber liability. An artisan and crafter insurance policy may include the following types of coverages: Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers individual artisans and small business crafters from potential third-party bodily injury and property damage claims caused by their creations. It also includes tenant’s legal liability coverage to repair or replace... --- ### Zensurance - Small Business Grant > Win $10,000 to Fund Your Small Business! The #ZensuranceGrant2025 application is open to all Canadian small business owners, entrepreneurs & startups - Published: 2023-08-01 - Modified: 2025-04-08 - URL: https://www.zensurance.com/small-business-grant Meet the $10,000 Zensurance Small Business Grant 2025 WinnerWe are pleased to announceSnuggleTooth Smile Mobilein St. John’s, Newfoundland and Labrador, is the$10,000 Zesurance Small Business Grant 2025 winner! All our small business finalists and applicants showcased remarkable dedication and ambition, and we’re honoured to have had the chance to learn about these inspiring journeys.  We’re thrilled to announce that our other five finalists will each receive a $1,000 grant. Stay in the loophttps://www. zensurance. com/wp-content/uploads/2025/04/SBG_Hero-Winner. pnghttps://www. zensurance. com/wp-content/uploads/2025/04/SBG_Hero-Winner. png Meet Your 2025 Finalists Name: Dylan Gambler Industry: Renovations Contractor Location: Edmonton, Alberta Website: https://eagleeyemasterworks. ca/ About: Aboriginal tradesman and carpenter for over 15 years Focus on renovations and carpentry How $10,000 Will Help This grant would enable me to expand my renovation work, assist families needing affordable repairs, and train and mentor future Aboriginal tradespeople. Why It Matters I don’t just want to grow my business but help people, improve homes, and create opportunities for Aboriginal workers. I want it to be a force for good in my community. Name: Jeff Dell Industry: Media and Marketing Location:Nova Scotia Website: https://paranova. ca/ About: Husband and wife video production team Focus on telling stories about Nova Scotia and its history How $10,000 Will Help As a small company, we often have to fund our projects ourselves and rely on volunteers to help bring them to life. Why It Matters The grant would cover fees associated with filming at different locations, travel, and expand our storytelling across Atlantic Canada. Name: Meena Sandhu Industry:... --- ### Partner - Fitt Gym > Zensurance and Fitt Gym have partnered to offer their trainers savings on their liability insurance policy. Get a free quote. - Published: 2023-07-18 - Modified: 2024-04-02 - URL: https://www.zensurance.com/fitt-gym https://www. zensurance. com/wp-content/uploads/2023/07/Fitt-label. jpg Welcome, Fitt Gym Trainers! Zensurance and Fitt Gym have partnered to help you save up to 35% on your liability insurance policy. Get your free online quote today! It's easy and takes only a few minutes. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/02/Personal-Trainer-f. svghttps://www. zensurance. com/wp-content/uploads/2023/07/Fitt-label. jpg Welcome, Fitt Gym Trainers! Zensurance and Fitt Gym have partnered to help you save up to 35% on your liability insurance policy. Get your free online quote today! It's easy and takes only a few minutes. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Personal-Trainer-Insurance. svgInsurance for personal trainersAs a personal trainer, you offer a service everyone can benefit from regardless of age, location, or lifestyle. However, the hands-on nature of your business means you may be liable for injuries or damage that occur under your instruction. Whether you train advanced-age clients at a local gym or sell an online fitness program, a robust risk management strategy is essential to your business’s survival. Different factors, such as specialization, location, and additional services (e. g. , nutritional counselling), may make it challenging to find comprehensive coverage for your training practice. Our personal trainer insurance policy packages are specially designed to accommodate the full range of personal training services and protect against specific risks associated with providing fitness services, such as injuries or malpractice. Every personal training practice is unique, and insurance requirements may vary; however, a comprehensive policy package for fitness instructors will typically include the following coverages: Commercial General Liability Insurance (CGL): Commercial... --- ### Information Technology Insurance > Get a custom information technology professional liability insurance quote. Protect your IT business today! - Published: 2023-07-07 - Modified: 2023-07-07 - URL: https://www.zensurance.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. Get comprehensive information technology insurance to protect your business and assets. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/07/Information-Technology-Professional. svg https://www. zensurance. com/wp-content/uploads/2023/07/IT-business-owner. svgInsurance for information technology companiesInformation Technology (IT) companies provide various services and solutions related to technology and digital systems. Their primary focus is on leveraging technology to address the needs of businesses, organizations, and individuals. From software development, cloud computing and storage, and helpdesk services to IT consulting and data management, IT firms and professionals ensure their clients’ technology needs are met. But IT companies face various liability risks that require a customized information technology insurance policy to protect them from damage and loss. Information technology insurance, or IT professional liability insurance, is a specialized form of insurance coverage designed to protect IT companies and professionals from potential financial losses associated with technology-related risks and liability claims. Allegations of professional negligence, privacy violations, service interruptions, and inadequate cybersecurity measures can lead to expensive losses and damage an IT organization’s reputation. An information technology business insurance policy can help protect IT enterprises from those liabilities. Professional Liability Insurance: Also referred to as errors and omissions (E&O) insurance, professional liability insurance protects against third-party claims arising from errors, omissions, or negligence in providing professional services. It covers legal defence costs, settlements, or judgments resulting from professional negligence claims or failure to meet client expectations. An extensive information technology insurance policy may... --- ### Hockey Insurance > Get a customized hockey liability insurance policy that protects amateur leagues, teams, coaches, and trainers, from player injuries to improper training & instruction. - Published: 2023-06-29 - Modified: 2024-04-23 - URL: https://www.zensurance.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 you need. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/06/Hockey-Team. svghttps://www. zensurance. com/wp-content/uploads/2023/06/Hockey-Coach. svgInsurance for hockey teams, leagues and coachesWherever you go in Canada, chances are you’ll see a hockey rink or pickup game in action.  Canada has more indoor and outdoor ice hockey rinks than any other country, with an estimated 2,860 indoor and 5,000 outdoor arenas. Our love for hockey is deeply ingrained in our country's culture and history. But liability risks can arise from different aspects of the sport. A customized ice hockey insurance policy protects amateur leagues, teams, coaches, and trainers, from player injuries to improper training and instruction to premises liability. Hockey liability insurance is a tailored policy consisting of different coverages designed to safeguard leagues, teams, facility owners, coaches, and hockey instructors and trainers from the risks they face. Amateur hockey leagues and teams in Canada are typically managed and run by various professionals who contribute to the administration, coaching, and operations of teams and leagues. As a result, they face a range of liability threats, including third-party bodily injury and property damage to professional negligence claims. A comprehensive hockey liability insurance policy may include the following coverages: Commercial General Liability (CGL) Insurance:CGL, or general liability insurance, covers third-party bodily injury and property damage claims from hockey-related activities. It may provide financial support if facing claims due to accidents or incidents during games, practices, tournaments, or... --- ### Journalist Insurance > At Zensurance we simplify the process of getting liability insurance for journalists. Get a free online insurance quote, it's quick & easy! - Published: 2023-06-13 - Modified: 2023-06-29 - URL: https://www.zensurance.com/journalist-insurance Journalist Liability Insurance Professional journalists face numerous liability risks. A comprehensive journalist insurance policy is essential for protecting your career and finances. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/06/Journalist. svghttps://www. zensurance. com/wp-content/uploads/2023/06/Freelance-Journalist. svgInsurance for journalistsJournalists gather, investigate, analyze, and report topical news and events to the public through newspapers, magazines, television, radio, websites and social media. They strive to provide unbiased and accurate information to keep the public informed and hold those in power accountable. Journalists need liability insurance to protect themselves from potential legal and financial risks arising from their work. It helps safeguard them if they face lawsuits or legal claims related to their professional activities. Furthermore, the advent of artificial intelligence (AI) has brought significant changes to journalism, impacting the nature of their work and the liability risks they may face. Journalists often report on sensitive and controversial topics, which can sometimes result in accusations of defamation, claims of privacy invasion, negligence, copyright infringement, or professional misconduct.  A comprehensive journalist insurance policy can financially support journalists under such circumstances. Wherever you and your story go, your tailored journalist insurance policy goes with you. Insurance for journalists covers a broad range of liability risks they face. It is a customized policy containing different coverages designed to support reporters, broadcasters, contributing freelance writers, columnists, correspondents, and copy editors with financial assistance if facing allegations of wrongdoing or lawsuits. This type of insurance includes coverage for legal fees to defend claims of negligence, breach of confidentiality, copyright infringement, third-party bodily injury... --- ### Liability Insurance > Business liability insurance protects your business against claims of third-party liability accidents, such as property damage or bodily injury. Get a free quote! - Published: 2023-05-31 - Modified: 2024-07-24 - URL: https://www.zensurance.com/liability-insurance-4 Liability Insurance Business liability insurance coverage is designed to protect your specific business risks. https://www. zensurance. com/wp-content/uploads/2019/08/Liability-Insurance. svg Why Choose Zensurance? We help Canadian business owners save time and money by providing a convenient and affordable way to buy business insurance. Purchase your insurance anytime, anywhere, with our easy-to-use online platform. Compare rates across leading insurance companies to ensure you get the best price on your premium. We use data and analytics to identify the right insurance policies for your business. Get a Free Quote Now Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Product Liability Claim: A client claims a skincare product they bought from your spa caused a severe skin reaction. Outcome: Your client successfully sues you for bodily injury due to a product you sold to them. Your product liability insurance covers the total medical expenses and court costs, totalling $11,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg General Liability Claim: Your employee accidentally drops a piece of furniture during a home delivery and damages your client’s hardwood floors. Outcome: Your client successfully sues you for property damage, and your commercial general liability insurance covers legal expenses and costs to repair the floors, totalling $45,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Professional Liability Claim: A client who you developed an e-commerce site for claims your work did not meet the agreed-upon requirements and caused their company to suffer a financial loss. Outcome: Your client sues your failure to deliver a service, as promised. Your professional liability insurance covers the legal expenses and monetary judgment,... --- ### Caregiver Insurance > Caregiver insurance: Safeguard yourself and your patients with comprehensive liability insurance coverage. Get a free online quote today! - Published: 2023-05-26 - Modified: 2023-05-26 - URL: https://www.zensurance.com/caregiver-insurance Caregiver Insurance Customized insurance for private caregivers to protect them from the liabilities they face. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/05/Caregiver. svghttps://www. zensurance. com/wp-content/uploads/2023/05/Private-Caregiver. svgInsurance for caregiversCaregivers provide assistance, support, and care to individuals who are unable to fully care for themselves due to various reasons such as age, illness, disability, or injury. Caregivers play a crucial role in ensuring the well-being and comfort of those in need. A caregiver’s responsibilities are significant. From helping their clients with personal hygiene, administering prescribed medications, and providing companionship to tackling housekeeping duties and running errands on a patient’s behalf, these professionals perform vital healthcare functions. However, mistakes can happen despite how conscientious a caregiver may be. Having private caregiver insurance is essential for these professionals to protect their finances and reputations. Caregiver insurance, also known as caregiver liability insurance or caregiver accident insurance, is designed to protect professional caregivers against potential risks and liabilities that may arise in the course of their duties. It is specifically tailored to address the unique needs and challenges faced by caregivers in their line of work.  Caregiver insurance coverage helps mitigate the financial burden of legal costs, damages, and medical expenses that may arise from incidents or allegations during the course of caregiving duties.  A typical caregiver liability insurance policy includes the following types of coverages: Commercial General Liability (CGL) Insurance: CGL, also called general liability insurance, protects caregivers against claims of third-party bodily injury or property damage occurring during the course of caregiving. If accidents... --- ### Holistic Health Practitioner Insurance > Get low-cost professional liability insurance for holistic health practitioners. Get a free quote, it's quick and easy! - Published: 2023-05-25 - Modified: 2023-07-04 - URL: https://www.zensurance.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 Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/05/Holistic-Health-Practitioner. svghttps://www. zensurance. com/wp-content/uploads/2023/05/Alternative-Health-Professional. svgInsurance for holistic and alternative health practitionersHolistic health practitioners take a comprehensive approach to health and well-being by considering a person's physical, mental, emotional, and spiritual aspects.  They aim to address the underlying causes of illness or imbalance rather than treating the symptoms. Holistic health practitioners may have various titles and specialities, including holistic doctors, naturopathic doctors, integrative medicine practitioners, chiropractors, acupuncturists, herbalists, nutritionists, and energy healers. Like any healthcare professional, holistic therapy practitioners face various liability risks in their practices. That’s why insurance for holistic health practitioners is essential – it helps protect them from the liabilities they face. Holistic health practitioner insurance, also known as professional liability insurance or medical malpractice insurance, is specifically designed to protect holistic health practitioners from liability claims and lawsuits related to their professional practices. It provides financial protection in the event of allegations of negligence, malpractice, or other professional misconduct. The specific coverages included in holistic therapy insurance may vary depending on the provider and policy terms. However, here are some common coverages typically found in these insurance policies, including: Medical Malpractice Insurance: Also known as professional liability coverage, medical malpractice insurance covers holistic health practitioners if they are sued for negligence, errors, or omissions related to their professional services. It covers legal defence costs, settlements, or judgments that may arise from claims of professional... --- ### Perks - Portal - Published: 2023-05-24 - Modified: 2024-11-08 - URL: https://www.zensurance.com/perks/start https://www. zensurance. com/wp-content/uploads/2023/03/Zensurance-Large. pnghttps://www. zensurance. com/wp-content/uploads/2023/03/Zensurance-Large. png You're about to unlock Zensurance Perks! If you have recently become a Zensurance client, please provide us with the code at the bottom of the confirmation email you received after completing an application. If you are an existing client, provide us with the code in the Perks announcement email we sent you. Start your quote OR W3Bhc3NzdGVyIHBhc3N3b3JkPSJ6ZW5jdXN0b21lciIgYXJlYT0iMTIxNjAiIGhlYWRsaW5lPSIgIiBpbnN0cnVjdGlvbj0iICIgcGxhY2Vob2xkZXI9IkVudGVyIHlvdXIgcGFzc3dvcmQiIGJ1dHRvbj0iUHJvY2VlZCB0byBwZXJrcyIgcmVkaXJlY3Q9Imh0dHBzOi8vd3d3LnplbnN1cmFuY2UuY29tL3BlcmtzL2NvbXBsZXRlIl0= *If you need help locating your password, please email us at perks@zensurance. com. --- ### Resources > Check out our latest press releases, news stories and media coverage. For press inquiries, please contact: media@zensurance.com - Published: 2023-05-24 - Modified: 2023-05-26 - URL: https://www.zensurance.com/resources --- ### Perks > Let Zensurance help you grow your business by tapping into the exclusive offers our partners provide.  - Published: 2023-05-24 - Modified: 2025-04-17 - URL: https://www.zensurance.com/perks https://www. zensurance. com/wp-content/uploads/2023/07/Perks-Page-Hero-Desktop. svghttps://www. zensurance. com/wp-content/uploads/2023/07/Perks-Page-Hero-Mobile. svg Welcome to Zensurance Perks! Take advantage of exclusive partner offers and grow your business. Zensurance is committed to helping Canadian entrepreneurs succeed. If you’re a current Zensurance client, unlock your Perks by providing us with the code shared with your email address. If you are not a current Zensurance client or have not recently completed an application, you can receive your access code shortly after completing a simple, quick, and easy quote application. Get a Free Quote Check out all the money-saving offers our partners provide exclusively to Zensurance: Unlock Offers If you have any questions, please email us at perks@zensurance. com. Telecommunications | TELUS Exclusive offers on business mobility plans Switch to TELUS and save hundreds of dollars on smartphone plans. Plus get special offers on business security, office internet and more. Unlock Offer Logistics | ClickShip SAVE 70% off shipping rates to Canada and the USA Save huge on package shipping from 50+ national carriers on Clickship. Get an additional 10% off as a Zensurance customer! Unlock Offer Fleet Management | TELUS Raven equips your vehicles to operate at their best Raven is part of TELUS fleet management solutions. Activate any Raven plan on a 2 or 3- year term to unlock your exclusive offer. Unlock Offer Legal | Goodlawyer Get$100 off in Goodlawyer credits Goodlawyer is an online platform dedicated to serving Canadian entrepreneurs with upfront, fixed-fee prices for the most common legal needs. Get $100 off your first legal service.... --- ### Lifeguard and Swim Instructor Insurance > At Zensurance we simplify the process of getting liability insurance for lifeguards and swim instructors. Get a free quote, it's quick & easy! - Published: 2023-05-12 - Modified: 2023-11-08 - URL: https://www.zensurance.com/sports-insurance/lifeguard-and-swim-instructor Lifeguard and Swim Instructor InsuranceProtect your finances and reputation with a comprehensive lifeguard and swim instructor insurance policy. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/11/Life-guard. svghttps://www. zensurance. com/wp-content/uploads/2023/11/Swim-Instructor. svgInsurance for lifeguards and swim instructorsLifeguards watch over swimmers and keep us safe in and around bodies of water, such as swimming pools, beaches, lakes, or water parks. Their primary duty is to prevent accidents, respond to emergencies, and provide assistance when necessary. Swim instructors perform equally important roles. They play a vital role in teaching swimming skills, promoting water safety, and helping individuals develop confidence and proficiency in the water.  But lifeguards and swim instructors face liability risks and need insurance for several reasons, including: They work in environments where accidents and injuries occur They’re responsible for providing instruction and ensuring the safety of those they supervise They face personal injury risks while performing their duties They often work in aquatic facilities and use equipment during their sessions Whether you’re a lifeguard or swim instructor, you need lifeguard insurance or insurance for teaching swimming. Lifeguard and swim instructor insurance is a customized insurance policy designed to protect individuals working in these roles from various risks and liabilities associated with their profession. A comprehensive lifeguard and swim instructor insurance policy usually includes the following coverages: Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, protects lifeguards and swim instructors if they are held legally responsible for third-party bodily injury or property damage that occurs during their duties. For example, if a swimmer... --- ### Notary E&O Insurance > Notary errors and omissions (E&O) insurance protects notaries by covering claims related to their professional services. Get a free quote! - Published: 2023-05-05 - Modified: 2023-05-05 - URL: https://www.zensurance.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 a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/05/Notary. svghttps://www. zensurance. com/wp-content/uploads/2023/05/Notary-Professional. svgE&O insurance for notariesA notary, also known as a notary public, is a person authorized by the government to witness the signing of important legal documents and to administer oaths and affirmations. They verify the parties' identities in a transaction, ensuring that they are signing the document willingly and knowingly and that the document is legally binding. Notaries serve as impartial witnesses and play a critical role in many legal and financial transactions, such as real estate transfers, wills, powers of attorney, and loan documents. Notaries need E&O insurance, also called professional liability insurance, to protect themselves from potential claims or lawsuits arising from their professional activities. As notaries are often involved in significant legal and financial transactions, mistakes or oversights in their work could result in financial losses for their clients, which may lead to claims against the notary. Errors and omissions (E&O) insurance can protect notaries from financial losses and legal expenses arising from claims of negligence, errors or omissions in their professional services.  This type of insurance can cover damages awarded to clients due to a notary's mistakes or oversights and legal defence costs, which can be substantial even if the notary is not found liable. For example, if a notary accidentally notarizes a document with incorrect information or fails to verify a client's identity properly, and this error... --- ### Cottage Rental Insurance > At Zensurance we simplify the process of getting cottage rental property insurance. Get a free insurance quote, it's quick & easy! - Published: 2023-05-05 - Modified: 2023-05-05 - URL: https://www.zensurance.com/cottage-rental-insurance Cottage Rental Insurance Protect your vacation rental property with a comprehensive cottage rental liability insurance policy. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/05/Cottage-Rental-Owner. svghttps://www. zensurance. com/wp-content/uploads/2023/05/Cottage-Property-Owner. svgInsurance for cottage rental ownersFrom Annapolis Valley in Nova Scotia to Muskoka region, the Kawarthas, and Prince Edward County in Ontario to the Gulf Islands and Sunshine Coast in B. C. , Canada is cottage country! These and other popular regions are where Canadians flock to in the summertime to unwind and escape city life and submerge themselves in nature, often by renting a cottage or vacation home. The warmer months present a tremendous business opportunity for cottage property owners to rent their cottages, chalets, lodges, cabins, and summer homes. According to industry-wide statistics, annual revenue in vacation rentals in Canada is expected to reach $2. 57 billion in 2023 and climb to $2. 62 billion by 2027. However, for property owners, renting their getaways to guests can pose significant financial risks. That's because when a property owner rents their cottage or vacation home, it becomes a business. And homeowner's insurance policies typically exclude coverage for commercial activities, including renting a cottage or seasonal property. To adequately protect their properties and finances from damages and losses, cottage owners need liability insurance for cottage rentals. Cottage rental insurance, or vacation rental insurance, provides coverage for property owners who rent out their vacation homes or cottages to guests. It is designed to protect your property and assets and provide liability coverage in case of accidents or damages... --- ### Craft Show Insurance > At Zensurance we simplify the process of getting craft show vendor liability insurance for trade shows. Get a free quote, it's quick & easy! - Published: 2023-05-05 - Modified: 2024-04-23 - URL: https://www.zensurance.com/vendor-insurance/craft-show Craft Show InsuranceProtect your finances and assets from liabilities with customized craft show liability insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/05/Craft-Vendor. svghttps://www. zensurance. com/wp-content/uploads/2023/05/Craft-Maker. svg Insurance for craft show vendors Craft vendors delight their customers with unique items, including handmade jewellery, pottery, paintings, sculptures, textiles, clothing, candles, soap, home decor, and more. Many craft market vendors may also offer demonstrations of their craft at their events, providing information about their creative processes and offering customers custom orders or personalized items. Crafters also contribute to the cultural vibrancy of local communities by showcasing their work and the works of talented artists and artisans. However, craft show vendors face many risks when selling their products at various events. For example, they may be exposed to liability for injuries or property damage caused by their products, or they may be held liable for accidents that occur at their booth or as a result of their activities. In addition, vendors may face financial loss if their products are stolen or damaged during the event. Craft vendors could face significant financial losses or even bankruptcy due to accidents or other incidents during craft shows and other events without insurance. Liability insurance for craft show vendors provides coverage to individuals who sell their products or services at craft shows, art fairs, and other similar events. It is designed to protect vendors from financial loss or liability in the event of accidents, property damage, or other incidents that may occur during the event. A comprehensive craft show... --- ### Butcher Shop Insurance > At Zensurance we simplify the process of getting butcher shop insurance. Get a free quote, it's quick and easy! - Published: 2023-04-27 - Modified: 2023-04-28 - URL: https://www.zensurance.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 a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/04/Butcher-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2023/04/Butcher-Shop-Owner. svgInsurance for butcher shopsRunning a butcher shop requires many different steps before a customer purchases products at a meat counter. Not only are you processing, packaging, and selling meat, a butcher shop sells accompanying grocery items and beverages, and often consults on the best way to prepare store-bought food items. There are several risks associated with running a butcher shop, so it is important to have a comprehensive coverage plan for your business. Zensurance can help you find the policy that will best protect your butchery business. Butcher shop insurance is a policy custom-made to protect meat businesses from the unique risks they face. Whether it is contamination or spoilage, food delivery, maintaining health and safety regulations, or injuries, there are several risks to consider when properly protecting your butcher shop. Butcher shop insurance is a policy that consists of several types of insurance to form a robust coverage plan, including: Commercial General Liability (CGL) Insurance: CGL is an important part of protecting your butcher shop. Also known as “slip-and-fall” insurance, CGL will provide financial protection if one of your customers is hurt in your shop. Common injuries that occur in a butcher shop include slipping and falling, and food poisoning from meat contamination or spoilage. CGL protects your business against everyday mishaps, such as third-party bodily injury and property damage claims,... --- ### Commercial Auto Insurance Nova Scotia > Let Zensurance help you find the best rates for commercial auto insurance in Nova Scotia. Get a free quote online in just few minutes. - Published: 2023-04-26 - Modified: 2024-02-27 - URL: https://www.zensurance.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 a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/02/Alberta-Commercial-Auto-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2023/02/Business-Auto-Insurance. svgCommercial Auto and Fleet Coverage Nova ScotiaCollisions, car accidents, or unexpected damages to a vehicle can happen to anyone without warning – and drivers of commercial vehicles typically face greater risks than others on the road because they usually drive longer distances and haul expensive materials and equipment. For a self-employed general contractor in a small town like Amherst, a restaurant owner in a midsized municipality like Truro, or the owner of a moving company in a large city such as Halifa, your business vehicles are critical assets that need to be protected. Trust Zensurance – Canada’s leading source for small business insurance – to find the policy you need at an affordable price. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/11/GREEN_learn-about-your-needs-zensurance. svg Frequently Asked Questions About Commercial Auto Insurance https://www. zensurance. com/wp-content/uploads/2022/11/GREEN_compare-rates-zensurance. svg Coverage Requirements in Nova ScotiaAccording to the Nova Scotia Department of Transportation’s ‘Motor Vehicle Act’, among the standards all owners of commercial vehicles operating in the province are required by law to fulfill and uphold include: All business vehicles and trailers must be registered in the province and undergo an annual safety inspection. Approved vehicles and trailers must display an approved safety inspection sticker. All business vehicles must have a valid commercial auto insurance policy containing the mandatory coverages and limits set by the province. Your business's commercial vehicle must... --- ### HR Consultant Insurance > At Zensurance we simplify the process of getting HR consultant insurance. Get a free quote, it's quick & easy! - Published: 2023-04-25 - Modified: 2024-10-10 - URL: https://www.zensurance.com/consultant-insurance/hr HR Consultant Insurance Protect your profession from liabilities and risks with a comprehensive HR consultant insurance policy. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/10/HR-Consultant-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2024/10/HR-Consultant. svgInsurance for HR consultantsHuman resources (HR) consultants provide many services to help improve a company’s culture and manage employee relations. These professionals are relied upon to enhance and solve an organization’s HR-related goals and challenges. HR consultants assist small businesses that don’t have internal HR teams or larger companies lacking the expertise to tackle new initiatives, such as introducing a new employee-focused health and wellness benefits program. They are also sought to assist organizations in offering an objective perspective on critical projects an employer needs to address. But HR consultants can be held liable for their advice and services. An HR consultant insurance policy is designed to shield these professionals from the risks they face. HR consultant insurance is a type of professional liability insurance designed to protect HR consultants and their clients from financial losses due to errors, omissions, or negligence in the performance of HR consulting services. As an HR consultant, you may provide various services to businesses and organizations, including advice on employment law, recruitment and retention strategies, conflict management support, employee handbook development, employee performance evaluations, and creating and implementing compensation plans and employment guidelines. HR consultant insurance typically covers claims such as wrongful termination, discrimination, harassment, and retaliation, plus the threat of unexpected accidents and damages or losses to your property and others’ property. It may also cover claims... --- ### Vending Machine Insurance > Vending machine insurance is a specialized insurance policy designed to protect from the unique risks that vending machine business owners face. - Published: 2023-04-24 - Modified: 2023-04-24 - URL: https://www.zensurance.com/restaurant-insurance/vending-machine Vending Machine InsuranceProtect your vending machines, inventory, and business with a comprehensive liability insurance policy for vending machines. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/04/Vending-Machine. svg https://www. zensurance. com/wp-content/uploads/2023/04/Vending-Machine-Business-Owner. svgInsurance for vending machine businessesVending machine businesses and independent operators provide vending machines to various locations, such as schools, offices, hospitals, recreation centres, shopping malls, hotels, and other public areas. They’re stocked with various products, such as snacks, beverages, and other convenience items. These machines typically operate on a self-service basis, allowing customers to purchase items by inserting coins, bills, or credit cards. Like any business, vending machine businesses face many risks that can impact their operations and financial performance. From malfunctioning machines to product spoilage and theft and vandalism, vending machine operators in Canada need customized insurance to protect their assets and finances. Liability insurance for vending machine business owners helps protect them from the financial implications of third-party bodily injuries and property damage, equipment breakdowns, and other perils. Vending machine insurance is a customized insurance policy that covers risks associated with owning and operating vending machines. The specific coverage your business needs can vary depending on the type of policy you require. A typical vending machine liability insurance policy may include the following coverages: Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers you for third-party bodily injuries and property damage. Often referred to as slip and fall insurance, it shields you from costs associated with accidents or claims of negligence resulting from your business’s regular activities. It... --- ### Jewellery Store Insurance > At Zensurance we simplify the process of getting business insurance for jewellery stores. Get a free quote, it's quick and easy! - Published: 2023-04-20 - Modified: 2023-04-20 - URL: https://www.zensurance.com/retail-insurance/jewellery-store Jewellery Store Insurance Protect your jewellery store from the financial burdens of organized retail crime, internal theft and other risks. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/04/Jewelry-Store. svghttps://www. zensurance. com/wp-content/uploads/2023/04/Jewelry-Business. svgInsurance for jewellery storesWith an inventory full of diamond rings, gold earrings and precious stone pendants, jewellery stores are a risky enterprise. Even stores that predominantly stock fashion jewellery can be susceptible to crimes such as theft – to the untrained eye, those shiny pieces can look like the real deal. In one instance of organized crime or multiple counts of petty theft, jewellery store owners can lose thousands of dollars worth of stock, even with tight security tactics.  It’s not just theft you need to cover, any retail location needs financial protection against other costly claims, such as property damage and liable instances. Jewellery store insurance can protect your business against various events, from theft to third-party injury. ​​A jewellery store insurance policy is a type of retail insurance policy that caters to the needs of jewellery store owners. It combines several commercial policies to cover the risks that can be faced when running a brick-and-mortar or an online jewellery business. Jewellery store insurance provides financial and legal coverage for the risks that might be encountered while running a jewellery business. Here are the main coverages you can expect from most common jewellery store insurance policies: Commercial General Liability (CGL) Insurance: GGL insurance is essential for any business – it can provide coverage against liable incidents that occur on your premises,... --- ### Guides and Outfitters Insurance > At Zensurance we simplify the process of getting guides and outfitters insurance. Get a free online quote, it's quick & easy! - Published: 2023-04-19 - Modified: 2024-04-23 - URL: https://www.zensurance.com/guides-and-outfitters-insurance Guides and Outfitters Insurance Complete insurance protection for Canadian wilderness guides and outfitters. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/04/Outdoor-Guide. svghttps://www. zensurance. com/wp-content/uploads/2023/04/Fishing-Guide. svgInsurance for outdoor guides and outfittersNature and wilderness enthusiasts rely on professional outdoor guides and outfitters to provide them with the equipment and protection they need to enjoy the hunting, camping, hiking, and fishing experiences they relish year-round. Outdoor tourism continues to grow nationwide – nearly seven in 10 Canadians participated in outdoor or wilderness activities, with hiking or backpacking (44%) and wildlife viewing and photography (32%) the most popular, says Statistics Canada. Moreover, sports and outdoor industry revenue is expected to be worth approximately US$2. 23 billion by 2025. In some provinces, such as Alberta, guides and outfitters are monitored by a governing body like the Alberta Professional Outfitters Society. Members are required to adhere to strict guidelines. Regardless, outdoor activity insurance is must-have protection for these hardy professionals who deliver the memorable adventures their customers covet. Guides and outfitters insurance is a customized policy designed to protect outdoor activity professionals from the liabilities they face, whether they offer weekend getaways or intensive multi-day excursions. These professionals are responsible for protecting their customers in all weather conditions, from wildlife, and other potential hazards. A comprehensive guides and outfitters insurance policy is the essential coverage they need if something goes wrong. A guides and outfitter insurance policy typically includes the following coverages: Commercial General Liability (CGL) Insurance: Also called general liability insurance, CGL protects your business’s operations against... --- ### VRBO Insurance > At Zensurance we simplify the process of getting insurance for your VRBO rental property. Get a free quote, it's quick & easy! - Published: 2023-04-19 - Modified: 2023-04-19 - URL: https://www.zensurance.com/vrbo-insurance VRBO Insurance Protect your property with customized VRBO rental insurance and rest easy knowing you’re covered from the liability risks you face as a VRBO host. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/04/VRBO-Host. svghttps://www. zensurance. com/wp-content/uploads/2023/04/VRBO-Property. svgInsurance for VRBO rentalsIf you rent a seasonal property like a cottage, a house, or a condominium through VRBO or another home-sharing service, get a tailored insurance policy that provides coverage for property damage and liability claims that may arise during a guest's stay at your property. VRBO damage insurance typically covers a range of risks, such as accidental damage to the property, theft, and bodily injury or property damage caused by a guest during their stay. Although VRBO rental insurance can be purchased through the VRBO platform, it may not fully cover you for accidents, mishaps, and damages that can occur, or the amount of coverage provided by VRBO may be insufficient to cover losses. Insurance for VRBO rentals is not mandatory, but protecting you and your guests in case of unforeseen events is highly recommended. Insurance for VRBO rentals typically includes a range of coverages that can protect both the property owner and the guest. Some of the recommended coverages for a property owner to be fully insured may include the following: Commercial Property Insurance: Commercial property insurance, or property damage coverage, protects damages to the rental property caused by a guest, such as accidental spills or damage to the furniture, walls, or floors. It typically includes protection against damages caused by floods... --- ### Bed and Breakfast Insurance > At Zensurance we simplify the process of getting insurance for your bed and breakfast business. Get a free online quote, it's quick & easy! - Published: 2023-04-19 - Modified: 2023-04-19 - URL: https://www.zensurance.com/bed-and-breakfast-insurance Bed and Breakfast Insurance Comprehensive coverage for bed and breakfast companies to protect them from the risks they encounter. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/04/Bed-and-Breakfast. svg https://www. zensurance. com/wp-content/uploads/2023/04/BB-host. svgInsurance for bed and breakfastBed and breakfasts (B&B) provide a tranquil getaway and respite from the day-to-day. Maintaining a B&B comes with several challenges and certain risks. Business insurance is an important step to take in securing the success of a bed and breakfast company.  Zensurance can help you find the best policy to protect your B&B business. Bed and breakfast insurance is a policy tailored to shield B&Bs from unforeseen risks. A B&B is valued by its guests because of its property and services. Whether that is expensive spa equipment, comfortable bedrooms, glamorous furniture, or high-quality barware, bed and breakfast companies need insurance to safeguard the longevity of their business. Running a bed and breakfast comes with unique risks that insurance providers consider while developing an insurance policy. A business insurance package for a bed and breakfast will usually include the following: Commercial General Liability (CGL) Insurance: CGL is integral to protecting your bed and breakfast business. Also known as “slip-and-fall” insurance, CGL will provide financial support for everyday mishaps, such as third-party bodily injury and property damage claims. That includes bodily injury to a guest or others, damage to your property or a guest’s property, or damage or injury from an intentional or unintentional act. Commercial Property Insurance: Commercial property insurance is another important part of an insurance policy... --- ### Marketing Consultant Insurance > At Zensurance we simplify the process of getting marketing consultant insurance. Get a free quote, it's quick & easy! - Published: 2023-04-18 - Modified: 2023-04-18 - URL: https://www.zensurance.com/consultant-insurance/marketing Marketing Consultant InsuranceProtect your livelihood and reputation with a low-cost marketing consultant insurance policy. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/04/Marketing-Consultant-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2023/04/Marketing-Contractor. svgInsurance for marketing consultantsAs a marketing consultant, you strive to help your clients attract and retain customers by developing effective strategies and tactics that align with their goals, values, and target audiences. Whether you work independently for a small agency or a large national brand, you provide advice, create marketing strategies, design promotional materials, or manage advertising campaigns for your clients. However, despite your best efforts, things don’t always go your way. Mistakes and accidents can happen, and you may be held liable for any resulting damages or losses. Marketing consultant insurance is a type of insurance designed to protect marketing consultants from potential risks and liabilities that may arise in the course of their work.  A tailored marketing consultant insurance policy from Zensurance is the backbone of your risk management strategy.  Get the protection and financial security you need from potential liabilities, legal fees, and damages from unforeseen accidents or incidents and focus on growing your businesses worry-free. Customized marketing consultant insurance can help mitigate your risks by covering potential liabilities. A typical policy for marketing consultants usually includes the following: Professional Liability Insurance: Also known as errors and omissions (E&O) insurance, professional liability insurance protects against claims arising from mistakes or negligence in your professional work as a marketing consultant. It includes coverage for your media and advertising services if facing an allegation or legal... --- ### Cargo Insurance > Cargo insurance provides financial coverage for the in-transit items or products you ship to customers. Get a free quote today! - Published: 2023-04-10 - Modified: 2024-04-23 - URL: https://www.zensurance.com/cargo-insurance Cargo InsuranceProtect the product shipments to your customers with comprehensive coverage for goods in transit. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/04/Cargo-Insurance-m. svg Why Choose Zensurance? We help Canadian business owners save time and money by providing a convenient and affordable way to buy business insurance. Purchase your insurance anytime, anywhere, with our easy-to-use online platform. Compare rates across leading insurance companies to ensure you get the best price on your premium. We use data and analytics to identify the right insurance policies for your business. Get a Free Quote Now Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: The computer tablet device you shipped by land to a customer arrives with a smashed screen and is unusable. Outcome: Your cargo insurance policy may pay to replace the destroyed computer tablet. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: While your products are stored temporarily in a third-party warehouse by your freight provider en route to a customer, the warehouse catches fire and burns to the ground. Your products are destroyed. Outcome: Your cargo insurance policy may cover the cost of the destroyed goods. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: The expensive machinery parts you manufactured and shipped by rail to a partner are a total loss after the train carrying your goods derails. Outcome: Your cargo insurance policy may pay for the cost of the damaged shipment. Cargo Insurance, Explained. What is cargo insurance? Cargo insurance protects businesses from physical loss, theft, or damage liability for the goods they ship to customers by land, air,... --- ### Car Wash Insurance > Get comprehensive insurance coverage to protect your car wash business from liability and risks. Get a free quote today! - Published: 2023-04-10 - Modified: 2023-06-16 - URL: https://www.zensurance.com/car-wash-insurance Car Wash Insurance Protect your car wash business with a comprehensive insurance policy tailored to address your risks. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/06/Car-Washers. svg https://www. zensurance. com/wp-content/uploads/2023/06/Car-Wash. svgInsurance for car washes Running a car wash business can be lucrative but it involves making many decisions. From the type of car wash operations (rollover in-bay automatic washes, tunnel conveyor washes, or self-serve coin-operated washes) to equipment, water-reduction systems, and choosing a location, there’s a lot to consider. One of those vital considerations is getting car wash insurance to protect your business from claims of injury or property damages. Car wash insurance is a policy consisting of several coverages to provide you with extensive protection against the risk of third-party lawsuits, equipment breakdowns, damages from fire or extreme weather, and more. It provides you with financial support for claims or allegations of loss or damage to your customers’ property or your business. A comprehensive car wash insurance policy typically includes the following coverages: Commercial General Liability (CGL) Insurance: CGL, or slip-and-fall insurance, covers you for third-party bodily injury or property damage claims because of your car wash business’s daily operations. For example, if a customer slips on the wet concrete floor at your self-serve car wash and is injured by the fall, CGL is designed to pay for the customer’s medical expenses. CGL may also include product liability insurance, or it can be added to your policy. Garage Liability Insurance: You are responsible for your customers’ vehicles when they’re in your... --- ### Partner - Syzl > Zensurance and Syzl have partnered to offer their customers saving on business insurance. Get a free quote today! - Published: 2023-04-01 - Modified: 2024-05-28 - URL: https://www.zensurance.com/syzl https://www. zensurance. com/wp-content/uploads/2023/12/Partnership_Syzl_all-bubbles-and-logos. svg Welcome, Syzl Food Makers! Canada’s No. 1 small business insurance brokerage, Zensurance, has partnered with Syzl to help you save on business insurance. Get a free, low-cost insurance quote today! It’s easy, hassle-free, and takes only a few minutes. Get a Free Quote https://www. zensurance. com/wp-content/uploads/2022/11/Chef. svgInsurance for Syzl makersSyzl makers are always in high demand.  Whether you rent a Syzl kitchen to prepare food or for any other reason, even if you follow recommended best practices, you face a broad range of liability risks.  A customized, low-cost business insurance policy from Zensurance is designed to protect Syzl makers of all types to protect their finances and reputations. Your attention should be focused on delighting your customers, not the risk of a liability claim.  A customized business insurance policy from Zensurance for Syzl makers is crafted to protect you and your business from the risks you face, whether you’re a professional chef, photographer, or other type of profession.  Whether you accidentally damage kitchen equipment you don’t own, or a customer suffers an allergic reaction to food you prepared, a single liability claim or third-party lawsuit could cost you several thousands of dollars and threaten your financial survival. Personal or private chef insurance provides a diverse package of coverages to protect your business from unforeseen risks. A comprehensive personal chef insurance package typically includes the following: Commercial General Liability (CGL) Insurance: CGL is essential to protect your business from everyday mishaps. For instance, CGL protects against third-party... --- ### Virtual Assistant Insurance > At Zensurance we simplify the process of getting liability insurance for virtual assistants. Get a free quote today! - Published: 2023-03-22 - Modified: 2023-03-24 - URL: https://www.zensurance.com/virtual-assistant-insurance Virtual Assistant InsuranceComprehensive coverage for independent virtual assistants to cover expenses related to accidents, allegations of wrongdoing, and lawsuits. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/03/Virtual-Assistant. svghttps://www. zensurance. com/wp-content/uploads/2023/03/Freelance-Assistant. svgInsurance for Virtual AssistantsVirtual assistants have a lot of responsibilities. They’re professional problem solvers who aid their clients by managing a plethora of important tasks to keep their clients’ businesses running smoothly. But with those responsibilities comes significant risk. From accidents to mistakes to things beyond your control, insurance for virtual assistants provides the financial support you need to deal with the unexpected effectively. Virtual assistant insurance is your risk management plan that serves as a financial backstop if something goes wrong. It’s a comprehensive package featuring several types of insurance designed to cover your liabilities. A virtual assistant insurance policy from Zensurance is customized to suit your specific needs. Mistakes or accidents can happen to anyone at any time. Helping you protect your reputation, career, and livelihood is what we do. A typical virtual assistant insurance policy may include the following types of coverages: Errors and omissions (E&O) insurance: Also called professional liability insurance, E&O insurance covers your professional services. It covers costs associated with allegations of or lawsuits claiming negligence, misconduct, errors, oversights, missing deadlines, and failure to deliver a service as promised. Commercial general liability (CGL) insurance: CGL or general liability insurance covers the cost of third-party bodily injury and property damage claims or lawsuits arising from accidents or negligence that may occur during your work. Also called slip-and-fall... --- ### Pet Sitting Insurance > At Zensurance we simplify the process of getting pet sitting insurance. Get a free quote, it's quick and easy! - Published: 2023-03-20 - Modified: 2024-03-26 - URL: https://www.zensurance.com/pet-services-insurance/pet-sitting Pet Sitting Insurance Whether you're a dog sitting or run a pet boarding business,  protect yourself with a customized pet sitter insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/03/Pet-Sitter-Insurance-from-Zensurance. svghttps://www. zensurance. com/wp-content/uploads/2024/03/Dog-Sitter. svgInsurance for pet sittersAs a pet sitter, chances are you’re an animal lover. Furry, feathered or finned, you’re happiest around your customers’ favourite companions. However, as fun as they are, animals are very unpredictable creatures. With your back turned for only a few seconds, anything can happen. You can be left liable for these unexpected incidents – from a scratched-up couch to a serious injury to another person or animal. Pet sitter insurance is important whether you run a fully-fledged pet boarding business or dog sitting is simply a way to make a bit of extra cash each month. While liability coverage is often the most obvious reason to find insurance, it can also help you grow your business. Insurance coverage gives prospective customers peace of mind and provides extra confidence that your business is legitimate, responsible and reputable. Pet sitter insurance is a combination of policies that protects pet sitters who provide services such as dog sitting, looking after pets at a customer’s home, hosting pets at their home and animal training. With a pet sitter policy, you can be covered for general and specific risks such as unintentionally damaging a customer's property while visiting their home or being responsible for a third party’s injury during a dog walk. The specific coverage you’ll need varies based on the services... --- ### Partner - Cosmopolitan Academy > Zensurance and Cosmopolitan Academy have partnered to offer their students savings on beauty insurance. Get a free quote today! - Published: 2023-03-17 - Modified: 2023-04-18 - URL: https://www.zensurance.com/cosmopolitan-academy Welcome, Cosmopolitan Academy Students! Canada’s leading digital insurance brokerage, Zensurance has partnered with Cosmopolitan Academy to help you save on beauty insurance. Get your free quote today! It’s easy and takes only a few minutes. Get a Free Quote https://www. zensurance. com/wp-content/uploads/2023/03/Cosmopolitan-Acedemy_logo_final-RGB. pnghttps://www. zensurance. com/wp-content/uploads/2023/03/Cosmopolitan-Academy-header. jpg Your business insurance, quick and easy! http://www. zensurance. com/wp-content/uploads/2018/11/Commercial-insurance-coverage. svg The best commercial insurance coverage for the best price Our engine searches and sorts products from over 50 of the largest Canadian and international carriers to get you the best quote. http://www. zensurance. com/wp-content/uploads/2018/11/business-insurance. svg Let us do the shopping around We want you to focus on running your business, and leave the hassle of shopping around to us. http://www. zensurance. com/wp-content/uploads/2018/11/24-7-online-Canada-Liability-Insurance. svg 24/7 online service You don't need to call, meet, mail or fax us anything. You can use our service anywhere at anytime. http://www. zensurance. com/wp-content/uploads/2018/11/your-confidential-information-is-protected. svg Your confidential information is protected Any information you provide to us is fully encrypted and only shared securely with your insurance carrier. http://www. zensurance. com/wp-content/uploads/2018/11/your-business-is-special-to-us. svg Your business is special to us We know what makes your business unique and we will find the best fit for your needs. http://www. zensurance. com/wp-content/uploads/2018/11/understand-your-coverage. svg Understand your coverage We don't use fancy insurance jargon. We explain in plain English what coverages you need and what you are covered for. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/08/Aesthetician. svgInsurance for beauty professionalsClients put their trust in beauty professionals to provide a safe and reliable service – and they want to... --- ### Partner - Luxy Beauty > Zensurance and Luxy Beauty have partnered to offer you savings on your beauty insurance policy. Get a free quote! - Published: 2023-03-17 - Modified: 2023-04-18 - URL: https://www.zensurance.com/luxy-beauty Welcome, Luxy Beauty Students! Canada’s leading digital insurance brokerage, Zensurance has partnered with Luxy Beauty to help you save on beauty insurance. Get your free quote today! It’s easy and takes only a few minutes. Get a Free Quote https://www. zensurance. com/wp-content/uploads/2023/03/Luxy-Main-Logo-CMYK. png Your business insurance, quick and easy! http://www. zensurance. com/wp-content/uploads/2018/11/Commercial-insurance-coverage. svg The best commercial insurance coverage for the best price Our engine searches and sorts products from over 50 of the largest Canadian and international carriers to get you the best quote. http://www. zensurance. com/wp-content/uploads/2018/11/business-insurance. svg Let us do the shopping around We want you to focus on running your business, and leave the hassle of shopping around to us. http://www. zensurance. com/wp-content/uploads/2018/11/24-7-online-Canada-Liability-Insurance. svg 24/7 online service You don't need to call, meet, mail or fax us anything. You can use our service anywhere at anytime. http://www. zensurance. com/wp-content/uploads/2018/11/your-confidential-information-is-protected. svg Your confidential information is protected Any information you provide to us is fully encrypted and only shared securely with your insurance carrier. http://www. zensurance. com/wp-content/uploads/2018/11/your-business-is-special-to-us. svg Your business is special to us We know what makes your business unique and we will find the best fit for your needs. http://www. zensurance. com/wp-content/uploads/2018/11/understand-your-coverage. svg Understand your coverage We don't use fancy insurance jargon. We explain in plain English what coverages you need and what you are covered for. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/08/Aesthetician. svgInsurance for beauty professionalsClients put their trust in beauty professionals to provide a safe and reliable service – and they want to walk away feeling... --- ### Concrete Contractor Insurance > Get comprehensive insurance coverage to protect your concrete business. Receive an instant quote in just a few clicks! - Published: 2023-03-02 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/concrete Concrete Business Insurance Customized business insurance coverage to protect concrete contractors and manufacturers. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/03/Concrete-Contractor-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2023/03/Contractor-f. svgInsurance for concrete contractors and companiesCement and concrete contractors and concrete manufacturers pave the way when it comes to laying the foundation for our communities. Whether building the foundations for homes and buildings or repairing driveways, sidewalks, streets, and other projects, concrete contractors do challenging work that exposes them to considerable risks. To protect themselves, they need a tailored concrete business insurance policy. Concrete contractor insurance is a comprehensive policy featuring several types of coverage. It is a business insurance policy designed to cover the costs associated with these professionals' risks, including the threat of third-party lawsuits, unexpected accidents, theft, and damage and loss resulting from severe weather. An extensive concrete contractor insurance policy typically includes the following coverages: Commercial General Liability (CGL) Insurance: CGL, or general liability, is frequently referred to as ‘slip and fall’ insurance. That’s because it covers your business’s daily operations from third-party bodily injury or property damage claims or lawsuits that may result from negligence or accidents. If, for example, a passerby trips and is injured on a sidewalk you are paving or repairing, CGL may cover their medical expenses and provide you with financial support to defend yourself if they decide to sue. Commercial Property Insurance: Commercial property insurance protects your business’s office and surrounding property, its contents (like your furniture and computers), and inventory, such as the materials you use to... --- ### Commercial Auto Insurance New Brunswick > Get the lowest rates for commercial auto insurance in New Brunswick with Zensurance. Online coverage in just few minutes. - Published: 2023-02-21 - Modified: 2024-02-27 - URL: https://www.zensurance.com/new-brunswick-liability-insurance/commercial-auto Commercial Auto Insurance New Brunswick Get maximum protection for business vehicles in New Brunswick with a customized commercial auto or fleet vehicle insurance policy. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/04/Newbrunswick-Commercial-Auto-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2023/02/Business-Auto-Insurance. svg Commercial Auto and Fleet Coverage New Brunswick Regardless of your industry or profession, collisions, car accidents, or unexpected damages to a vehicle can happen to anyone. Moreover, drivers of commercial vehicles typically face a significant amount of risk because they usually travel long distances, are on the road daily for eight hours or more, and carry and transport expensive materials and equipment or people. You need commercial auto or fleet vehicle insurance you can count on when problems arise, whether you’re a self-employed general contractor in Grand Falls, a restaurant owner in Saint John, or the owner of a moving company in Moncton. Trust Zensurance to find the policy you need at an affordable price. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/11/GREEN_learn-about-your-needs-zensurance. svg Frequently Asked Questions About Commercial Auto Insurance https://www. zensurance. com/wp-content/uploads/2022/11/GREEN_compare-rates-zensurance. svg Coverage Requirements in New BrunswickAccording to New Brunswick’s Insurance Act, among the standards all owners of commercial vehicles operating in the province are required by law to fulfill and uphold include: All business vehicles and trailers must be registered in the province and undergo an annual safety inspection. All business vehicles must have a valid commercial auto insurance policy containing the mandatory coverages and limits set by the province. Your business's commercial vehicle must have a valid motor vehicle permit and licence plates.... --- ### Commercial Auto Insurance Newfoundland > Protect your business vehicles in Newfoundland by getting commercial auto insurance quote from Zensurance. Get a free quote online in just few minutes. - Published: 2023-02-21 - Modified: 2023-08-17 - URL: https://www.zensurance.com/newfoundland-business-liability-insurance/commercial-auto Commercial Auto Insurance Newfoundland A customized commercial auto insurance or fleet vehicle insurance policy covers the cost of damages to your business vehicles in Newfoundland. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/04/Newfoundland-Commercial-Auto-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2023/02/Business-Auto-Insurance. svgCommercial Auto Insurance Coverage NewfoundlandThe vehicles you own and drive as a self-employed contractor or small business owner are critical assets that should be covered with a customized Newfoundland commercial auto insurance policy. Why? Because unexpected collisions, car accidents, or damages to a vehicle can happen anytime without warning. You are responsible for paying for the damages following an accident without a commercial auto insurance policy. Personal car insurance does not cover business vehicles or cars, vans, and trucks used for business purposes, and the liability for collisions or auto claims can impact your company's survival. Plus, drivers of commercial vehicles across Newfoundland and Labrador typically face more significant risks because they drive longer distances, spend more hours on the road, and usually carry expensive materials, equipment, or people with them. You need a commercial auto or fleet vehicle insurance policy (if your company owns five or more vehicles) from a Canadian small business insurance brokerage you can trust if you need to file a claim. So, whether you’re a self-employed general contractor in Labrador City, a restaurant owner in Happy Valley-Goose Bay, or the owner of a tourism company in a large city like St. John’s, let Zensurance find the policy you need at a price you can afford. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/11/GREEN_learn-about-your-needs-zensurance.... --- ### Commercial Auto Insurance Prince Edward Island > Zensurance makes it easy for small business owners in PEI to get commercial auto insurance. Get a free online quote in just a few clicks! - Published: 2023-02-21 - Modified: 2024-02-27 - URL: https://www.zensurance.com/prince-edward-island-liability-insurance/commercial-auto Commercial Auto Insurance Prince Edward Island (PEI) If you rely on a vehicle to do your job or serve your business’s customers, protect your wheels with a customized commercial auto insurance policy. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/04/PEI-Commercial-Auto-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2023/02/Business-Auto-Insurance. svgCommercial Auto Insurance Coverage PEIDriving is one of the most dangerous things most people do.   Everytime you get behind the wheel, you face the risk of getting into an accident and possibly injuring another person or damaging someone else’s property. For a small business in Charlottetown with up to four vehicles, a self-employed contractor in Summerside driving a utility van, or an employee of a company in Cornwall using their own car for business purposes, a personal car insurance policy is not designed to cover the cost of damage and loss if you get into a collision. Your wheels are critical assets that need to be protected with a customized commercial auto insurance policy (for one vehicle) or commercial fleet insurance policy (for five or more vehicles). Get the financial protection you need to cover your business vehicle from a Canadian small business insurance brokerage you can trust. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/11/GREEN_learn-about-your-needs-zensurance. svg Frequently Asked Questions About Commercial Auto Insurance https://www. zensurance. com/wp-content/uploads/2022/11/GREEN_compare-rates-zensurance. svg Coverage Requirements in PEIAccording to P. E. I. ’s Highway Traffic Act, among the requirements business owners of commercial vehicles operating in the province must uphold include: All business vehicles and trailers must be registered in the province and undergo an annual... --- ### Commercial Auto Insurance Alberta > Zensurance makes it easy for Alberta business owners to get commercial auto insurance. Get a free online quote in just a few clicks! - Published: 2023-02-21 - Modified: 2024-10-15 - URL: https://www.zensurance.com/alberta-business-liability-insurance/commercial-auto Commercial Auto Insurance Alberta If you rely on a vehicle to do your job or serve your business’s customers, protect your wheels with a customized commercial auto insurance policy. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/02/Alberta-Commercial-Auto-Insurance. svg The #ZensuranceGrant2024 application is open to all Canadian* entrepreneurs, startups, and small business owners with a compelling story to tell about their businesses. Apply Now * Excluding Quebec, Yukon, Nunavut, and the Northwest Territories https://www. zensurance. com/wp-content/uploads/2023/02/Business-Auto-Insurance. svg Commercial Auto Insurance Coverage Alberta Commercial auto insurance isn’t strictly for large corporations. Small business owners with up to four vehicles, independent self-employed contractors driving a pickup truck, an employee of a florist who uses their personal sedan for business purposes – all of these professionals require a commercial auto policy. Get the protection your wheels need from a Canadian small business insurance brokerage you can count on, whether you’re a construction contractor in Red Deer, a retail store owner in Lethbridge, or the owner of a hardware store in Calgary. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/11/GREEN_learn-about-your-needs-zensurance. svg Frequently Asked Questions About Commercial Auto Insurance https://www. zensurance. com/wp-content/uploads/2022/11/GREEN_compare-rates-zensurance. svg Coverage Requirements in AlbertaAccording to Alberta’s Traffic Safety Act, among the requirements business owners of commercial vehicles operating in the province must uphold include: All business vehicles and trailers must be registered in the province and undergo an annual safety inspection. All business vehicles must have a valid commercial auto insurance policy containing the mandatory coverages and limits set by the province. Your business's commercial vehicle must... --- ### Milton Business Liability Insurance > Protect your small business in Milton with a tailored business insurance policy. Get a free online quote in just a few clicks! - Published: 2022-12-20 - Modified: 2024-04-23 - URL: https://www.zensurance.com/milton-business-liability-insurance Business Insurance Milton Protect your small business in Milton with insurance quotes starting from $19 per month. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/12/Milton-Business-Insurance. svg Why Choose Zensurance? We help Canadian small business owners save time and money by providing a convenient and affordable way to buy business insurance. Purchase your insurance anytime, anywhere, with our easy-to-use online platform. Compare rates across leading insurance companies to ensure you get the best price on your premium. We use data and analytics to identify the right insurance policies for your business. Get a Free Quote Nowhttps://www. zensurance. com/wp-content/uploads/2022/12/Milton-Small-Business-Owner. svg Why Small Businesses in Milton Need Insurance The Town of Milton in Halton Region is one of the fastest-growing communities in Southern Ontario. Located 40 km west of Toronto, Milton is easily accessible via Highway 401 and rail. This booming region is a varied and industry-agnostic community with a labour force of more than 114,000 people across a wide range of businesses in manufacturing, health and wellness, tourism, academia, retail, and it is at the centre of Canada’s largest technology cluster. It’s easy to see why Milton’s highly educated and diverse workforce is home to countless entrepreneurs and small businesses that are growing in tandem with its varied economy. As a small business owner, you need to protect your organization with a comprehensive business insurance policy. Let us worry about protecting your livelihood and assets at a competitive price and give you the confidence to thrive. You need to focus on serving your customers,... --- ### Barrie Business Liability Insurance > Zensurance makes it easy for small business owners in Barrie to purchase business insurance. Get a free online quote in just a few clicks! - Published: 2022-12-09 - Modified: 2024-01-24 - URL: https://www.zensurance.com/barrie-business-liability-insurance Business Insurance Barrie Protect your small business and finances from third-party lawsuits and claims related to your services. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/12/Barrie-Business-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/12/Barrie-Small-Business-Owner. svgWhy Small Businesses in Barrie Need InsuranceThe Southern Ontario city of Barrie features a diversified economy with prominent small businesses in various industries, including education, healthcare, financial services, tourism, recreation, agriculture, construction, information technology, retail, and manufacturing. With a population of 212,667 residents and more than 900 small business members in the city’s Chamber of Commerce, this Simcoe County city located on the shores of Kempenfelt Bay is a thriving community employing two-thirds of its residents. As in any community, small business owners and self-employed professionals like you need to safeguard your assets and reputation with a comprehensive business insurance policy from Zensurance. Let us help you mitigate the risks you face so you can focus on growing your business. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/11/GREEN_compare-rates-zensurance. svg What does it cover? In general, a comprehensive business insurance policy includes the following types of coverages:General liability insurance covers third-party bodily injury and property damage claims that happen due to your business’s daily activities, including negligence and accidents. Most CGL policies include product liability insurance for any product you manufacture, distribute, or sell. If your policy doesn’t, you can add it as an endorsement. Commercial property insurance protects your office, retail space, or warehouse from damage and loss associated with fires, water damage, natural disasters, theft, and vandalism. In addition to your building, it also... --- ### Warehouse Insurance > At Zensurance we can help you find the best rates for your warehouse and storage insurance quote. Get a free quote, it's quick & easy! - Published: 2022-12-02 - Modified: 2022-12-02 - URL: https://www.zensurance.com/warehouse-storage-insurance Warehouse Insurance Get comprehensive warehouse and storage insurance to protect your business and assets. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/12/Warehouse-Insurance. svg https://www. zensurance. com/wp-content/uploads/2022/12/Storage-Business-Insurance. svgInsurance for warehousesNearly every industry uses various types of warehouses to store their products. From general dry storage, cold storage, and specialty warehouses to distribution centres, smart warehouses, bonded warehouses, and on-demand storage spaces, each serve an essential function in helping companies protect their property. However, protecting your business’s products and assets from damage and loss goes beyond the type of warehouse you use, as any warehouse is susceptible to a variety of risks. A customized warehouse insurance policy is your company’s financial backstop for protecting those goods and your finances. Warehouse liability insurance is a tailored policy featuring several coverages to address the risks business owners face, whether storing goods in a warehouse they own, or at a third party’s site. From protecting the building’s physical structure and its contents to the items it holds, a warehouse insurance policy coverage from Zensurance is the foundational part of your company’s risk management strategy. A comprehensive warehouse and storage insurance policy typically includes the following coverages: Commercial Property Insurance: Also referred to as Commercial Warehouse Property Insurance, covers the cost of damage or loss to your warehouse and its contents resulting from fire, flooding, a natural disaster, vandalism, and theft. It also covers the inventory you store in it. Commercial property coverage may also includebusiness interruption insuranceto cover any income you lose if you must close your... --- ### Employers’ Liability Insurance > Employers' liability insurance protects your business from costs associated with employee injuries, illnesses, or death. Get a free online quote! - Published: 2022-12-01 - Modified: 2024-04-23 - URL: https://www.zensurance.com/employers-liability-insurance Employers’ Liability InsuranceProtect your company from costs associated with employee injuries, illnesses, or death, whether you participate in your provincial workers’ compensation fund or not. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/04/Employee. svg Liability insurance for employersDespite your best efforts to protect your employees, no workplace or job is ever accident-free. Employee injuries, illnesses, and deaths while on the job can happen anytime. Canadian employers paying into their province’s workers’ compensation fund to cover bodily injuries or illnesses their employees suffer in the workplace or as part of their jobs are still liable for damages. Companies that are exempt from paying provincial workers’ compensation or that choose not to face even greater financial exposure. Regardless of industry or the type of injury or illness one of your employees suffers that’s caused by an accident or negligence, an employer can still be held legally responsible to pay for their lost wages, medical expenses, and additional compensation if they are sued. What is employers’ liability insurance? Employers’ liability insurance is a policy featuring coverage that’s designed to handle employee-related claims for injuries or illnesses that isn’t covered by your provincial workers’ compensation board. Also called contingent employers’ liability, it’s a form of general liability protection that complements government-mandated disability insurance commonly referred to as “workers comp”. Employers’ liability insurance shields business owners from costs associated with employee-related workplace injuries, illnesses, disease, and deaths. What does it cover? A typical employers’ liability insurance policy includes protection for: Third-party lawsuits by an employee or their... --- ### Professional Liability Insurance Alberta > Zensurance makes it easy for Alberta business owners to purchase professional liability insurance. Get a free online quote in just a few clicks! - Published: 2022-12-01 - Modified: 2024-03-26 - URL: https://www.zensurance.com/alberta-business-liability-insurance/professional-liability Professional Liability Insurance Alberta Protect your reputation and assets from risks associated with third-party lawsuits and claims of negligence. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/12/Alberta-Professional-Liability-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/12/Alberta-Professional. svg Professional liability insurance for small businesses in Alberta Self-employed professionals and small business owners across Alberta – from Grande Prairie to Brooks, Fort McMurray to Coutts, Banff to Medicine Hat and everywhere across Wild Rose Country need to shield themselves from third-party allegations and lawsuits related to their professional services. Professional liability insurance is designed to provide your business with financial support when facing customer claims alleging monetary losses resulting from your professional services because of negligence, misconduct, or failure to deliver a service as promised. It also provides protection for your media and advertising services that triggers a lawsuit against your customers if sued for defamation, libel, or slander. Also referred to as errors and omissions (E&O) insurance or medical malpractice insurance depending on your profession, a professional liability insurance policy from Zensurance is the critical protection you need to safeguard your finances if you are sued for damages. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/11/GREEN_compare-rates-zensurance. svg What does it cover? A professional liability insurance policy protects small businesses and independent professionals from a variety of liability exposures, including: Negligence Misconduct Misrepresentation Failing to deliver a service as promised Omissions Mistakes or oversights in your services Breach of contract Poor advice Products or devices you provide or develop for a client https://www. zensurance. com/wp-content/uploads/2022/11/GREEN_get-insurance-and-save-zensurance. svg How much does it cost? Insurance... --- ### Social Media Influencer Insurance > At Zensurance we simplify the process of getting Social Media Influencer Insurance. Get a free quote, it's quick and easy! - Published: 2022-11-18 - Modified: 2024-04-23 - URL: https://www.zensurance.com/media-and-marketing-insurance/social-media-influencer Social Media Influencer Insurance Protect your platform and your reputation with social media influencer insurance that’s built around your business. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/04/Social-Media-Influencer. svghttps://www. zensurance. com/wp-content/uploads/2024/04/Influencer. svgInsurance for social media influencersSocial media influencers are a trusted and aspirational source of information for many. In the last few years, they’ve overtaken the social impact of traditional advertising and high-profile celebrities. If you’ve built a platform and make an income off of your social media status, it’s critical to be aware of the risks that come with sharing your opinions, advice and affiliations. If someone doesn’t like what you’ve said, claims you’ve created fraudulent advertising or alleges you stole their intellectual property, it can result in a costly (and lengthy) legal case. With the right insurance coverage designed for social media influencers, you can focus on growing your platform instead of worrying about the implications of your next post. Social media influencer liability insurance covers the risk associated with creating content through various channels for a broad audience. Such risks may include professional negligence, third-party injury or property and cyber-related incidents. Social media influencer insurance is made up of a few policies that, collectively, create a comprehensive protection plan for your business activities. Social media influencer insurance often includes the following: Commercial General Liability (CGL) Insurance: CGL covers risks that affect almost every business, no matter what your industry. With CGL, you’re covered against third-party injuries or property damage while working on your business. Additionally, this coverage provides financial... --- ### Mental Health Practitioner Insurance > At Zensurance we simplify the process of getting professional liability insurance for mental health professionals. Get a free quote, it's quick and easy! - Published: 2022-11-11 - Modified: 2022-11-11 - URL: https://www.zensurance.com/mental-health-practitioner-insurance Mental Health Practitioner Insurance Comprehensive coverage for mental health professionals to shield them from the risks they face. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/11/Mental-Health-Professional. svghttps://www. zensurance. com/wp-content/uploads/2022/11/Mental-Health-Counsellor. svgInsurance for mental health professionalsMental health practitioners aid and support emotional wellness. Caring for and supporting others’ mental and emotional wellbeing comes with several challenges and risks. Liability insurance for mental health professionals is an integral aspect of protecting them and the important work they do. Mental health liability insurance is a policy made specifically to protect those who support the mental wellbeing of their patients. This policy consists of several types of insurance that form a robust coverage plan, the most notable being professional liability insurance. Professional Liability Insurance: Also known as errors and omissions insurance, professional liability insurance is the primary insurance coverage for the mental health practitioner. It can provide financial protection for claims of negligence or failing to deliver a service as promised. For example, you recommend a treatment plan to a patient who claims your professional opinion made matters worse. They decide to sue you for negligence. Your professional liability insurance may cover your legal fees defending yourself. Mental health professionals should consider a comprehensive coverage plan tailored to protect you and your business from unforeseen risks. Along with professional liability insurance, mental health professionals should consider the following coverages: Commercial General Liability (CGL) Insurance: CGL, also commonly referred to as “slip-and-fall” insurance, protects you and your business against claims of third-party bodily injury and property damage. It... --- ### Convenience Store Insurance > Find the best rates for convenience store insurance. Compare multiple quotes, and get the coverage you need quickly and easily! - Published: 2022-11-11 - Modified: 2022-11-11 - URL: https://www.zensurance.com/retail-insurance/convenience-store Convenience Store Insurance Whether you own a small general store or a chain of high-profile convenience stores, protect your business with convenience store insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/11/Convience-Store-Insurance. svg https://www. zensurance. com/wp-content/uploads/2022/11/General-Store-Owner. svgInsurance for convenience storesAs a convenience store owner, you’re probably aware there are a lot of risks that come with your business venture. The number of people entering your store, the products you sell and the equipment you use all pose many liabilities. For example, a slip-and-fall that severely injures a customer or a breakdown of your refrigeration system that spoils a significant portion of your inventory could put you out of business overnight without the right insurance coverage. Zensurance can help you find the best insurance coverage for your convenience store at competitive rates. Insurance for convenience stores covers the generic and specialized risks associated with operating a convenience store or a chain of convenience stores. With a specialized policy package, you’ll typically be covered for specific liable events and damage or loss to your business property. The coverages that make up a convenience store insurance policy may differ depending on your services and the products sold. However, most common convenience store insurance policies will include the following: Commercial General Liability (CGL) Insurance: CGL or "slip-and-fall insurance" provides convenience stores with coverage against the day-to-day risks that could occur on-premises. A lot of people will come and go from your store every day – if a third party is injured or their property is damaged at... --- ### Media Liability Insurance > Media liability insurance coverage protect your business’s digital and printed media risks. Get a free quote, it's quick and easy. - Published: 2022-11-11 - Modified: 2024-04-23 - URL: https://www.zensurance.com/media-liability-insurance Media Liability Insurance From public relations consultants to digital publishers, ensure that you're protected with the right media liability coverage. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/11/Media-Professional. svghttps://www. zensurance. com/wp-content/uploads/2022/11/Public-Relation. svgInsurance for media liability risksIn today’s digital world, all small businesses are de facto media publishers. With the tremendous opportunity of publishing a broad range of content online to share your knowledge and promote your products and services comes the inherent risks of allegations of or third-party lawsuits related to false advertising, libel, slander, or copyright infringement. Any content you create and publish digitally or in print can subject you to claims of wrongdoing. From webpages, blogs, videos, and webinars to social media posts, graphics, podcasts, advertisements, and articles, companies in all industries face the possibility of legal action for the content they produce. However, a comprehensive media liability insurance policy from Zensurance can shield your organization against these challenges. Media liability insurance is a customized policy designed to protect your small business’s digital and printed media risks. It is a form of professional liability or errors and omissions (E&O) insurance that may provide financial support if faced with allegations or lawsuits on the marketing and communications materials you publish and distribute. You can tailor your media liability insurance coverage to suit your business’s needs. Typically, an extensive coverage for a media liability insurance policy includes: Professional Liability Insurance: Also called errors and omissions (E&O) insurance, professional liability protects your organization’s professional services from claims of negligence and errors and its... --- ### Food and Beverage Manufacturing Insurance > At Zensurance we help Canadian food and beverage manufacturers save on their business liability insurance. Get a free quote, it's quick and easy! - Published: 2022-11-11 - Modified: 2023-04-10 - URL: https://www.zensurance.com/manufacturing-insurance/food-and-beverage Food and Beverage Manufacturer Insurance Safeguard your business and livelihood from the risks associated with food and beverage manufacturing with a customized insurance policy. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/11/Food-Manufacturer. svg https://www. zensurance. com/wp-content/uploads/2022/11/Food-Business-Owner. svgInsurance for food and beverage manufacturersFood and beverage producers and manufacturers provide Canadians with the nutritious and delicious foods and drinks we need. According to government data, there are more than 7,800 food and beverage manufacturing and processing companies in Canada. It’s the second-largest manufacturing industry in the country in terms of value of production, accounting for an estimated 17% of total manufacturing sales and 2% of our national gross domestic product. Whether your small business produces processed meats, baked goods, or soda pop and fruit juices, you face challenges and risks unique to your operations. You need to protect your business and finances with a comprehensive food and beverage manufacturing insurance policy. A food and beverage manufacturing insurance policy is designed to provide you with financial support and protection for your organization against the type of problems and potential liabilities food and beverage producers face. A comprehensive, tailored policy from Zensurance provides food and beverage manufacturers with protection for challenges ranging from third-party bodily injury and property damage claims or lawsuits to coverage for your business’s property and equipment. A food and beverage manufacturing insurance policy may include the following coverages: Commercial General Liability (CGL) Insurance: CGL shields your regular business activities from third-party bodily injury and property damage claims or lawsuits that result from... --- ### Personal Chef Insurance > Personal chef insurance is an essential coverage to help protect against the risks of third-party accidents. Get a free online quote from Zensurance! - Published: 2022-11-11 - Modified: 2023-08-17 - URL: https://www.zensurance.com/restaurant-insurance/chef Personal Chef Insurance Comprehensive coverage for personal chefs to protect them from the liability risks they may encounter. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/11/Personal-Chef. svghttps://www. zensurance. com/wp-content/uploads/2022/11/Chef. svgInsurance for personal chefsPersonal chefs are in higher demand than ever before. People are more aware of their food preferences while also wanting variety in their diets. Even if you follow best practices in the kitchen, your personal chef business may face risks. That is why it is important to protect yourself and your business with personal chef insurance. Your attention should be focused on creating delicious meals, not the risk of a liability claim. Personal chef insurance is a policy customized to protect you and your business from the risks you may come across. Whether a piece of equipment is accidentally damaged or your client suffers an allergic reaction, there are several factors to consider when figuring out the best way to protect your business with personal chef insurance. Personal or private chef insurance provides a diverse package of coverages to protect your business from unforeseen risks. A comprehensive personal chef insurance package typically includes the following: Commercial General Liability (CGL) Insurance: CGL is essential to protect your business from everyday mishaps. For instance, CGL protects against third-party bodily injury and property damage claims. Commonly called “slip-and-fall” insurance, it provides you with financial support for claims or lawsuits because of accidents or negligence. Commercial Property Insurance: Commercial property insurance covers you and your business, whether you rent or own the property where... --- ### Artist Insurance > At Zensurance we simplify the process of getting artist liability insurance. Get a free online insurance quote, it's quick & easy! - Published: 2022-11-10 - Modified: 2024-04-23 - URL: https://www.zensurance.com/artist-insurance Artist Insurance Comprehensive coverage for artists to protect them from the risks they face. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/08/Artist-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2023/08/Artist. svg Business insurance for artists Artists create things that offer new perspectives and connect people. To create works of art, an artist faces several challenges with certain risks. Along with the risks associated with the artistic process, art pieces are valuable, treasured items that should be protected.   Artist liability insurance is an important part of protecting artists and the work they create. Zensurance can help you find the best rates for artist insurance, start our online application form to get a quote. Artist insurance is a policy tailored to protect artists so they can focus on their work and not the risk of a liability claim. From the creation of artworks to delivering the work to galleries or museums to be displayed, there are several factors to consider when determining the best coverage to protect artists. Artist insurance provides comprehensive coverage to protect you and your business from unforeseen risks. A comprehensive artist insurance package typically includes the following: Commercial General Liability (CGL) Insurance: CGL, commonly referred to as “slip-and-fall” insurance, is an important part of protecting you and your business from everyday mishaps. It protects against third-party bodily injury and property damage claims and provides financial support for accidents and negligence. Commercial Property Insurance: Commercial property insurance can provide financial coverage for physical loss or damage to your property. Whether you rent or own your... --- ### Trade Show Exhibitor Insurance > At Zensurance we simplify the process of getting exhibitor liability insurance for trade shows. Get a free quote, it's quick & easy! - Published: 2022-11-07 - Modified: 2024-04-23 - URL: https://www.zensurance.com/vendor-insurance/trade-show-exhibitor Trade Show Insurance Comprehensive protection for vendors and exhibitors attending trade shows. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/11/Tradeshow. svghttps://www. zensurance. com/wp-content/uploads/2022/11/Exhibitor. svg Trade show insurance for exhibitors Exhibiting at trade shows, conventions, and other events is big business, offering small businesses and independent vendors the opportunity to promote and sell their goods and services. Data suggests the size of the trade show and event planning industry in Canada is worth an estimated $2. 2 billion in 2022. Whether you exhibit in convention halls or other types of indoor or outdoor venues such as fairs, flea markets, shopping malls, and kiosks, you need to protect your business and finances from the cost of accidents and third-party damage claims.   Zensurance can help you find the best quotes for exhibitor liability insurance. Vendors and exhibitors attending industry trade shows, conventions, and other corporate or consumer events face a broad range of risks.  Protecting your equipment and materials at your booth and safeguarding yourself from the risk of a third-party personal injury or property damage claim or lawsuit is essential for protecting your assets, finances, and reputation. A trade show exhibitor insurance policy from Zensurance is tailored to suit your specific needs and provide you with affordable protection. Your coverage requirements may vary depending on the event you’re attending and the equipment and materials you use in your exhibit. In general, a comprehensive trade show exhibitor insurance policy includes: Commercial General Liability (CGL) Insurance: CGL covers you for third-party claims or lawsuits alleging... --- ### Tanning Salon Insurance > Get custom liability insurance coverage to protect your tanning salon business. Instant online pricing is available! - Published: 2022-10-13 - Modified: 2023-03-29 - URL: https://www.zensurance.com/beauty-insurance/tanning-salon Tanning Salon Insurance Comprehensive coverage for tanning salons to shield them from the liability risks they face. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/10/Tanning-Salon. svghttps://www. zensurance. com/wp-content/uploads/2022/10/Tanning-Business. svgInsurance for tanning salonsAlmost everyone wants to glow all year round, and your tanning business provides that opportunity. A tanning salon that is safe, private, reliable, and enjoyable still runs the risk of accidents or personal injury claims. Even if you follow best practices and provide a top-notch tanning service, there is always the chance that something could go wrong, and your business is liable. Tanning salon insurance is a liability policy tailored to protect you and your business from the risks you may encounter. While a few insurance policies are vital for all tanning businesses, there are other coverages you may wish to consider because not every tanning business looks the same. For instance, a sunless tanning salon might need a different insurance package than a salon specializing in beds or booths. Tanning business insurance provides several insurance policies that protect your business from unforeseen risks. A comprehensive insurance package for a tanning business typically includes the following: Commercial General Liability (CGL) Insurance: CGL protects your business against common everyday risks. Often called “slip-and-fall insurance”, CGL protects your business against claims of third-party bodily injury and property damage by covering an injured customer’s medical fees and your legal expenses if you are sued. Product Liability Insurance: Product liability insurance is a must-have for any business that manufactures, distributes, or sells a product. .... --- ### Partner - Village Craft and Candle > Zensurance and Village Craft and Candle. have partnered to offer VCC customers savings on business insurance. - Published: 2022-09-29 - Modified: 2022-10-28 - URL: https://www.zensurance.com/villagecraftandcandle Welcome, Village Craft and Candle Customers! Canada’s leading digital insurance brokerage, Zensurance has partnered with Village Craft and Candle to help you save up to 35% on your business insurance policy. Get your free quote today! It’s easy and takes only a few minutes. Get a Free Quote https://www. zensurance. com/wp-content/uploads/2022/09/VCC-LOGO-1-300x105. pnghttps://www. zensurance. com/wp-content/uploads/2022/10/Candle-Maker. svg https://www. zensurance. com/wp-content/uploads/2022/10/Candle-Business-Owner. svgInsurance for candle makersWhile a candle looks (and smells) great, the little flame on top can be the cause of some big lawsuits. Customers put their trust in your candle-making expertise to create a safe and reliable product. Even if you take every precaution in the production process, there is always a risk that an accident could happen beyond your control. That’s why it’s crucial to protect yourself, your customers, and your business with candle maker insurance. Candle maker insurance is a policy package specially designed to protect against specific risks associated with selling candles and other related products such as wax melts or incense sticks. Our insurance provides coverage for product and liability-related accidents causing third-party injuries or property damage. Candle maker insurance describes several insurance policies that are combined to provide comprehensive coverage. Typically, candle maker insurance will include the following policies: Commercial General Liability Insurance (CGL): CGL is a basic form of coverage that protects you against day-to-day risks that you may encounter while running your candle business. Such risks could be third-party bodily injury (e. g. , customer injury in your store) or property damage (e. g. breaking a... --- ### Pressure Washing Insurance > Get comprehensive insurance coverage to protect your pressure washing business. Receive an instant quote in just a few clicks! - Published: 2022-09-26 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/pressure-washing Pressure Washing InsuranceGet protection for your pressure washing business with a customized policy that suits your needs. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/09/Pressure-Washer. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Window-Cleaner. pngInsurance for pressure washing businessesContractors, professional cleaners, and businesses that use high-pressure hot water spraying to remove a broad spectrum of dirt, grime, and mould from surfaces such as buildings, asphalt, and vehicles can be held liable for any damages they cause to their clients or their possessions and properties. A pressure washing insurance policy is designed to protect you from claims or lawsuits resulting from your services. Pressure washing insurance is a customized policy containing different coverages that provide you with financial support if a client alleges wrongdoing or sues you. It also covers your business’s operations and equipment against damage and loss following an insurable event, such as a fire. In some provinces, it may be a legal requirement for you to carry insurance because of the risk pressure washing poses to people and property. A comprehensive pressure washing insurance policy may include the following coverages: Commercial General Liability (CGL) Insurance: CGL is the foundation of most business insurance policies regardless of industry or profession. It’s designed to give you financial support for third-party bodily injury or property damage claims or lawsuits resulting from your business’s regular activities. It may also include product liability insurance for any product you sell or supply. Tools and Equipment Insurance: Protecting your business’s assets includes shielding your expensive tools and equipment from theft, vandalism, or damage... --- ### Management Liability Insurance > At Zensurance we simplify the process of getting Management Liability Insurance. Get a free quote, it's quick and easy! - Published: 2022-09-23 - Modified: 2024-04-23 - URL: https://www.zensurance.com/management-liability-insurance Management Liability Insurance Comprehensive protection for business leaders, senior executives, managers, and organizations. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/09/Manager. svghttps://www. zensurance. com/wp-content/uploads/2022/09/Management. svgInsurance for management teamsWhether your organization is a privately held entity or a publicly traded company, its directors, officers, managers, and other senior executives face significant risk exposures. These risks range from fiduciary liability, employment practices liability, and crime liability to directors and officers (D&O) liability.  Leaders and executive teams make critical decisions that influence how a business operates, which exposes them to heightened threats, including allegations of wrongdoing and lawsuits. Get a tailored, extensive management liability insurance policy to safeguard your business’s leadership team from the risks they face. Management liability insurance is a customized package of insurance coverages designed to shield senior executives and business owners from a broad range of liabilities that go beyond general liability.  It includes coverage for dealing with allegations of misrepresentation, failure to comply with regulations or laws, wrongful dismissals, and dereliction of fiduciary responsibilities. It also provides leaders and management teams with protection against third-party or class-action lawsuits. A comprehensive management liability insurance policy may include the following coverages: Directors and Officers (D&O) Insurance: D&O insurance provides individuals serving on an organization’s management team or board of directors with protection from financial losses and coverage for legal expenses if sued or when facing allegations of negligence, breach of fiduciary duties, wrongful dismissals, and violating regulations or laws. Commercial Crime Insurance: Commercial crime insurance covers business leaders and owners from financial... --- ### Hurricane Fiona Disaster Preparedness Survival Kit > Support and tips to help business owners in Atlantic Canada prepare for Hurricane Fiona - Published: 2022-09-22 - Modified: 2022-10-17 - URL: https://www.zensurance.com/hurricane-fiona-disaster-preparedness-survival-kit Hurricane Fiona Disaster Preparedness Survival Kit We care about you and your customers and are here to help you. For existing Zensurance clients, here’s what you should know if you need tofile a claim for damage or loss. As Hurricane Fiona descends on Atlantic Canada, small business owners need to be ready for the strong winds, heavy rain, and storm surges that are expected to make landfall late Friday and into Saturday in New Brunswick, Newfoundland and Labrador, Nova Scotia, and Prince Edward Island. Wind gusts of more than 100 km/h and prolonged rainfall in excess of 100 millimetres is expected across the region. The likelihood of power outages and flooding will be high. You cantrack Fiona’s progressas it barrels toward Atlantic Canada. https://www. zensurance. com/wp-content/uploads/2022/09/Hurricane-Fiona-Tracker. pngHere are recommendations to help you endure the storm, including tips to build an emergency survival kit, and how to prepare your business property for the approaching storm:How to Build an Emergency Survival KitThe following are some of the key considerations for an emergency survival kit to help business owners be prepared with provisions if you must shelter-in-place: One gallon of water, per person, per day for up to three days. Food: Non-perishable and canned foods for up to three days that are easy to prepare, along with a non-electric can opener. Sanitation and personal hygiene items. Flashlights with extra batteries. Matches. Battery-powered or hand-crank radio, with extra batteries if relevant. Extra clothing and blankets including rain gear. A first-aid kit. Emergency cash and... --- ### Clothing Store Insurance > Get a customized business insurance policy to protect your clothing store. Get a free quote today! - Published: 2022-09-07 - Modified: 2022-12-15 - URL: https://www.zensurance.com/retail-insurance/clothing-store Clothing Shop Insurance Clothing stores of all shapes and sizes should be covered against the risks they face with clothing shop insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/09/Clothing-Shop. svghttps://www. zensurance. com/wp-content/uploads/2022/09/Retail-Clothing. svgInsurance for clothing businessRunning a clothing store may not seem like a risky venture, but high foot traffic and holding a large amount of inventory can up the stakes considerably. If a customer is injured on your premises, you can be held legally responsible. Additionally, if there is a break-in, you could lose thousands of dollars worth of stock in a matter of moments. Instances like these are, unfortunately, not uncommon.  However, with the right insurance policy, you're free to focus on growing your clothing empire rather than worrying about what could go wrong. Clothing store insurance is a policy that’s customized for clothing shop business owners. It combines several policies to provide comprehensive coverage for the risks that can be faced when running a brick-and-mortar retail business. A clothing shop insurance policy is designed to cover the many risks you may encounter, including liability claims and loss or damage to your property. Here are the coverages that most clothing shop insurance policies include: Commercial General Liability (CGL) Insurance: Also known as "slip-and-fall” insurance, CGL covers clothing store owners against the common liable risks. If a third party is injured, or their property is damaged on your premises, they could hold you liable for loss. Let’s say it’s a rainy day, and a customer trips and falls while entering... --- ### Hospitality Insurance > At Zensurance we simplify the process of getting Hospitality Business Insurance. Get a free quote, it's quick and easy! - Published: 2022-09-07 - Modified: 2024-04-23 - URL: https://www.zensurance.com/hospitality-insurance Hospitality InsuranceProtect your hospitality business with a comprehensive policy quickly and easily and focus on wowing your guests! Join over 150,000 businesses that have trusted us! Save up to 35% on your insurance Just a few minutes to get your best quote Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/09/Hospitality-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/09/Hospitality-Business. svg Insurance for hospitality industryAs a small business owner in the hospitality industry, you specialize in creating memorable, delightful experiences for your guests. After all, their comfort, pleasure, and satisfaction are always top priorities. However, no hospitality business is immune to accidents, losses, damages resulting from extreme weather, or third-party lawsuits. Get an extensive insurance policy to serve as the backbone of your risk management strategy and protect your reputation and assets. From hotels, bed and breakfasts, and restaurants to spas, gift shops, and golf courses, hospitality insurance is a customized policy consisting of various coverages to protect your business from financial losses and damages.  An insurance policy from Zensurance includes protection for the full spectrum of exposures hospitality businesses face. Our licensed brokers work closely with our clients to understand their concerns, answer their questions, and shop our partner network of over 50 insurance providers to get them the coverage they need. Commercial General Liability (CGL) Insurance: CGL covers third-party claims or lawsuits alleging bodily injury or property damage. For example, if a guest trips, falls, and is injured while on your premises, CGL is designed to pay for their medical expenses. CGL may includeproduct liability insuranceto cover... --- ### Personal Support Worker (PSW) Insurance > At Zensurance we simplify the process of getting personal support worker (PSW) insurance. Get a free quote, it's quick and easy! - Published: 2022-09-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/personal-support-worker-insurance Personal Support Worker Insurance Protect your reputation and finances against claims of wrongdoing and negligence with a comprehensive personal support worker insurance policy. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/09/Personal-Support-Worker. svghttps://www. zensurance. com/wp-content/uploads/2022/09/PSW. svgInsurance for personal support workersPersonal support workers are increasingly in high demand across Canada. These medical professionals provide care and support for the elderly, chronically ill, and disabled who need assistance with activities of daily living, such as personal care and hygiene, housekeeping, meal preparation, and socialization. They provide support for any person in their home or a long-term care facility. While the employment outlook for personal support workers is promising, these front-line health care professionals are exposed to a broad range of risks that calls for a personal support worker insurance policy. Personal support worker insurance is a customized policy containing several types of insurance to provide PSWs with extensive, robust protection from the risks they face. This specialized insurance package is designed to support health care professionals if they face allegations, claims, or third-party lawsuits related to their professional activities. A personal support worker insurance policy usually includes the following coverages: Medical Malpractice Insurance: Also referred to as errors and omissions (E&O) insurance or professional liability insurance, medical malpractice coverage protects personal support workers and other medical professionals from client claims alleging negligence, breach of confidentiality, mistakes, misconduct, or failing to deliver a service as promised. It also includes coverage for your legal fees and financial loss resulting from your services if you are sued. Commercial... --- ### Software Development Insurance > At Zensurance we simplify the process of getting software development insurance. Get a free quote, it's quick and easy! - Published: 2022-08-22 - Modified: 2023-06-13 - URL: https://www.zensurance.com/software-development-insurance Software Development Insurance Essential protection for software developers shielding them from third-party liability, cybersecurity, and other risks. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/08/Software-Developer. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Software-Dev. svgInsurance for software developersTechnology and software development is big business in Canada. Data shows revenue in the Canadian software market is projected to reach US$17 billion in 2022, with enterprise software leading the charge followed by application development, system infrastructure software, and productivity software.  From website designers, coders, and computer programmers to data scientists and embedded system and video game developers, software development insurance is designed to safeguard technology professionals from a broad range of risks online and offline. Software developer insurance is a customized policy featuring multiple coverages to address the wide range of exposures independent devs and development teams face. It provides software developers with financial support if they are subjected to third-party liability claims or lawsuits, cyber-attacks and data breaches, and other perils. An extensive, complete software developer insurance policy typically includes the following coverages: Errors and Omissions (E&O) Insurance: As its name suggests, E&O insurance is designed to provide you with financial support if you face allegations or lawsuits related to errors, omissions, negligence, and failing to deliver a service as promised. Also called professional liability insurance, it includes coverage for products you developed if they fail, advice you provide to your clients, and media and advertising if one of your clients is sued for libel, slander, or defamation resulting from your services. Cyber Liability Insurance: A must-have coverage in... --- ### Farmers Market Insurance > At Zensurance we simplify the process of getting farmers' market vendor insurance. Get a free quote, it's quick & easy! - Published: 2022-08-11 - Modified: 2024-04-23 - URL: https://www.zensurance.com/vendor-insurance/farmers-market Farmers’ Market Insurance Comprehensive coverage to protect farmers’ market vendors from the liabilities they face. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/02/Farmers-Market-Vendor. svghttps://www. zensurance. com/wp-content/uploads/2021/12/Food-Vendor. svg Insurance for farmers’ market vendors From farmers and food producers to artisans and retailers, vendors of all types selling goods at farmers’ markets have a long, illustrious history in Canada, and their popularity has grown dramatically in recent decades. However, no matter what you sell at a farmers’ market or other types of sellers’ market, being a vendor exposes you to liability risks that could result in financial ruin. That’s why every vendor should buy farmers’ market insurance. Moreover, most farmers’ markets require their vendors to carry liability insurance. A farmers’ market insurance policy from Zensurance is a combination of coverages tailored to your specific needs that is designed to provide you with financial support when something goes wrong. From third-party liabilities to accidents and damage from severe weather, a comprehensive farmers’ market insurance policy provides farmers’ market vendors with the protection they need. A comprehensive farmers’ market insurance policy typically includes the following coverages: Commercial General Liability (CGL) Insurance: CGL, also referred to as slip-and-fall insurance, covers you for third-party bodily injury and property damage claims resulting from your business’s operations. For example, a customer visiting your display booth trips over an extension cord and is injured. CGL is designed to pay for the injured person’s medical expenses. Event Liability Insurance: Also known as vendor liability insurance, event liability insurance is designed to cover... --- ### Janitorial Insurance > At Zensurance we simplify the process of getting Janitorial business insurance. Get a free quote, it's quick & easy! - Published: 2022-08-09 - Modified: 2023-06-09 - URL: https://www.zensurance.com/janitorial-insurance Janitorial Business Insurance Protect your business with a comprehensive janitorial insurance policy and wipe away the risks you face. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/08/Janitorial. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Janitor. svgInsurance for janitorial servicesWhether your janitorial small business serves residential, commercial, or industrial clients, you can be exposed to liabilities ranging from third-party bodily injury or property damage claims to dealing with damage or loss to your business property resulting from fires or floods.  A comprehensive janitorial insurance policy from Zensurance can ensure your business and assets are adequately protected if something goes wrong. Janitorial insurance is a customized policy consisting of several coverages that protects janitors, custodians, and cleaning professionals from the risks they face while on the job. The types of coverages your janitorial business requires depends on your unique needs. However, a comprehensive policy for this trade typically includes: Commercial General Liability (CGL) Insurance: As its name suggests, CGL insurance covers general liability risks your janitorial company faces in its daily operations. Frequently called ‘slip-and-fall’ insurance, CGL protects you and your employees from legal liability for third-party bodily injury and property damage claims and lawsuits. For example, if after waxing the floor of an office building lobby someone slips, falls, and is injured, they could pursue legal action against you. CGL provides you with financial support to defend yourself while keeping your business up and running. Tools and Equipment Insurance: Janitorial businesses and professionals can’t perform the necessary work they must do without the tools of the trade. Tools... --- ### Woodworking Business Insurance > At Zensurance we simplify the process of getting woodworking business insurance.. Get a free quote, it's quick & easy! - Published: 2022-08-05 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/woodworking Woodworking Business Insurance Reliable, comprehensive insurance protection for woodworkers and woodworking businesses. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/08/Woodworker. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Woodworking-Professional. svg Insurance for woodworkersAs rewarding as woodworking can be, it’s also a dangerous profession. Injuries and accidents are a prevalent risk when working with wood, saws, laser cutters, and other tools even for veteran woodworkers, cabinet makers, carpenters, and craftspeople. A customized woodworking business insurance policy is designed to protect these professionals from the liability risks they face. Woodworking insurance is a bundled policy comprising multiple coverages that are tailored to address your unique circumstances. The combination of wood, sawdust, flammable glues and finishes, and electric machinery can lead to expensive accidents, third-party lawsuits, and unexpected mishaps that could put you out of business.  A woodworking businses insurance policy from Zensurance is designed to protect you and your finances when things go wrong. A comprehensive woodworking insurance policy typically includes the following coverages: Commercial General Liability (CGL) Insurance: CGL protects you from third-party liability and property damage claims or lawsuits. For instance, if a customer visiting your workshop trips, falls, and is injured, your CGL policy may cover the cost of their medical expenses. CGL may also include product liability insurance for the products you make. Commercial Property Insurance: Commercial property covers the cost of loss or damage to your workshop and office, inventory, and contents resulting from fire, flood, a natural disaster, theft, or vandalism. It may also include business interruption insurance to cover the cost of lost... --- ### Speech Language Pathologist Insurance > Speech Language Pathologist Insurance - At Zensurance we simplify the process of getting SLP insurance. Get a free quote, it's quick & easy! - Published: 2022-08-02 - Modified: 2022-10-17 - URL: https://www.zensurance.com/speech-language-pathologist-insurance Speech Language Pathologist Insurance Speech-language pathologist (SLP) insurance is important for an SLP practicing in Canada, but it doesn’t need to be a hassle to find coverage. We’re here to help you find the right insurance package based on your unique services. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/08/Speech-Language-Pathologist. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Speech-Therapist. svgInsurance for speech-language pathologistsSpeech-language pathologists (SLP) are much-needed healthcare professionals to help treat communication, speech, and even swallowing disorders in predominantly children by providing education, training, and counselling. Surprisingly, tens of thousands of school-aged children in Canada require speech therapy. As a result, speech-language pathologists are in high demand – often, they’ll have waiting lists spanning months or even years. As an SLP, you work hard to improve the lives of their patients and their families. But there’s always a risk of an allegation of misconduct or a slip-and-fall incident for which you may be liable. Make sure your business is covered for the unexpected with adequate insurance protection. Speech-language pathologist insurance combines several coverages to provide comprehensive protection for SLPs practicing in Canada. Generally speaking, you can expect an insurance policy to cover your business against allegations of professional malpractice, along with general liability claims and certain damage to property. Insurance packages for speech-language pathologists will typically include the following coverages: Professional liability insurance: Also referred to as errors and omissions (E&O) insurance, this policy protects your business against misconduct, negligence, and allegations that you failed to deliver a professional service as expected. For example, if a patient’s parent... --- ### Tutor Insurance > At Zensurance we simplify the process of getting tutor insurance. Get a free quote, it's quick and easy! - Published: 2022-08-02 - Modified: 2022-10-17 - URL: https://www.zensurance.com/tutor-insurance Tutor Insurance Tutor insurance is essential for Canadian tutoring businesses, learning pods, or private tutors who provide educational services to clients. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/08/Tutor. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Tutoring. svgInsurance for tutoring businessesTutors provide a unique and individual way to learn for people of all ages. Their services are rewarding and often even life-changing. They can be the key to helping scholars get the grades they need for their next adventure or the answer to help children improve their academic performance, allowing them to advance into the next school year confidently. As with any profession, tutors aren’t immune to allegations of wrongdoing or negligence. For a small tutoring business, one malpractice claim can be detrimental to your finances. An insurance policy specifically designed for your business can provide financial protection from those claims like these, among other things. Tutor insurance is a specialized professional liability insurance policy package to protect the needs of tutors and tutoring businesses. With tutor insurance, your business can be covered for general and specific liability claims, including allegations of wrongdoing or negligence. You can also be covered for other events such as physical damage or loss of your possessions. Whether you provide services on-site, online, or in an office, having the right tutor insurance for your business is the basis of your risk management program. A comprehensive policy for your tutoring business should cover the risks you are most likely to face. Here are the most common policies that are included in a tutoring... --- ### Wedding Planner Insurance > At Zensurance we simplify the process of getting wedding planner business insurance. Get a free quote, it's quick & easy! - Published: 2022-07-29 - Modified: 2024-04-23 - URL: https://www.zensurance.com/wedding-planner-insurance Wedding Planner Insurance As a wedding planner, you have some of the highest expectations to meet. Protect your business from the unexpected with an insurance policy built around your needs. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/07/Wedding-Planner. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Wedding-Event. svgInsurance for wedding event plannerWedding planners are responsible for organizing one of the most important days of their clients’ lives. The bride, groom, and their families look to you to create a cherished celebration that won’t be forgotten for decades to come. But with that level of responsibility and the huge expectations that land on your shoulders, it can be tough for even the most tenured planner. To do your job efficiently, you’ll need peace of mind that if something goes awry, you’ve got a plan to make things better (after all, planning is what you’re best at! ) We’ve answered your top questions about wedding planner insurance below. Wedding planner insurance combines various policies that provide comprehensive coverage for wedding planners. Wedding planner insurance covers risks such as professional liability and damage or loss to third-party property. Wedding planner insurance offers coverage against a wide range of risks that wedding planners may face in planning and executing each wedding. Wedding planner insurance will typically include the following coverages: Commercial General Liability (CGL) Insurance: CGL insurance protects you from various day-to-day risks you can be liable for when running a business. For instance, you can be legally responsible if a third party is injured or their property is damaged due to... --- ### Web Developer Insurance > At Zensurance we simplify the process of getting liability insurance for web developers and web designers. Get a free quote, it's quick & easy! - Published: 2022-07-29 - Modified: 2022-10-17 - URL: https://www.zensurance.com/web-developer-insurance Web Developer Insurance Protect your profession and finances from the liabilities you face with a comprehensive insurance policy tailored to meet your needs. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/07/Web-Developer. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Web-Designer. svgInsurance for web developers and designersYou get the big picture. Web designers and developers lay the foundation and make the decisions for designing and launching new websites. You define your clients’ online presence, including their websites’ functionality and navigability. But with that heady responsibility comes risks. From clients alleging negligence or failing to deliver a service as promised to cybersecurity threats to general liability concerns, you need to protect your profession, reputation, and finances. Web design liability insurance is a customized policy containing several coverages designed to protect professional web developers and designers from the liabilities they face. It’s vital protection to have as it provides you with financial security for a broad range of risks. For example, if you’re accused of copyright infringement or if you are a victim of a cyber-attack, a custom web designer insurance policy from Zensurance shields you from the financial or legal perils you face. Business insurance for web developers and web designers should consider the following coverages: Professional Liability Insurance: From technology-related glitches and accidental oversights to accusations of copyright infringement or missed deadlines, professional liability coverage provides protection for your services and against allegations of negligence, misconduct, and failing to deliver a service as promised. Cyber Liability Insurance: As a web designer and developer, you work online where the risk... --- ### Gas Station Insurance > At Zensurance we simplify the process of getting business insurance for gas stations. Get a free online quote, it's quick & easy! - Published: 2022-07-29 - Modified: 2023-04-10 - URL: https://www.zensurance.com/gas-station-insurance Gas Station Insurance Gas station and gas bar owners face a broad range of risks. Get a comprehensive insurance policy and protect your assets. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/07/Gas-Station-Owner. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Gas-Station. svgInsurance for gas stationsGas stations have kept Canadian motorists moving since the first gas station in Canada opened in June 1907 in Vancouver. According to the Canadian Fuels Association, there are 11,934 retail gasoline stations in Canada today, or 3. 1 per 10,000 Canadians, and there are 96 distinct brands of gasoline. Nowadays, almost all gas stations feature self-serve pumps. Fuels are highly flammable, and the risks associated with allowing drivers to pump the petrol they need into their vehicles poses a danger to life and property. Gas station owners need to safeguard themselves against the potential hazards they face with a customized gas station insurance policy. Gas station insurance is a tailored policy consisting of several coverages that collectively provide service station business owners with extensive protection. From the risk of third-party bodily injury to environmental-related damage to crime, a customized gas station insurance policy from Zensurance can provide you with the financial support you need when things go awry. A comprehensive gas station business insurance policy typically includes the following coverages: Commercial General Liability (CGL) Insurance: Also called slip-and-fall insurance, CGL protects you from third-party bodily injury and property damage claims resulting from your gas station’s daily activities. If a customer visiting your service station should be injured in a fall, for example, CGL is... --- ### Oil and Gas Insurance > At Zensurance we simplify the process of getting industry-tailored oil and gas insurance. Get a free quote, it's quick and easy! - Published: 2022-07-27 - Modified: 2023-09-18 - URL: https://www.zensurance.com/oil-and-gas-insurance Oil and Gas Insurance Get a comprehensive oil and gas insurance policy to protect your business from financial losses resulting from insurable risks. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/07/Oil-and-Gas-Contractor. svg https://www. zensurance. com/wp-content/uploads/2022/08/Oil-Gas. svgInsurance for oil and gas businessesCanada is the world’s fifth-largest producer of oil and natural gas. Canadian oil and natural gas contributed an estimated $105 billion to our country’s gross domestic product in 2020, and the industry employs nearly 400,000 people. But oil and gas businesses and contractors face a multitude of risks that call for a customized insurance policy to provide them with financial support when something goes wrong. Oil and gas insurance is a policy containing different coverages that are designed to cover the liabilities and threats faced by companies and professionals working in the industry. From risks posed by volatile markets and shifting government regulations to day-to-day operations or accidents, a customized oil and gas insurance policy from Zensurance can protect your business and provide you with peace of mind. A comprehensive oil and gas insurance policy may include the following coverages: Commercial General Liability (CGL) Insurance: CGL covers your daily operations from the risk of third-party bodily injury and property damage claims. It provides financial support for third-party damages caused by your business’s operations due to an accident (such as a slip and fall). Professional Liability Insurance: Professional liability, also known as errors and omissions (E&O) insurance, protects you from client claims alleging negligence, misconduct, errors, and failing to deliver a service as... --- ### Commercial Auto Insurance Ontario > Ontario business owners who operate work vehicles are at risk of accident claims. Get protected with commercial auto insurance. - Published: 2022-07-21 - Modified: 2023-09-05 - URL: https://www.zensurance.com/ontario-business-liability-insurance/commercial-auto Ontario Commercial Auto Insurance Protect your company’s vehicles and drive your business forward with a comprehensive commercial auto policy. Join over 150,000 businesses that have trusted us! Save up to 35% on your insurance Instant price and coverage in just a few clicks! Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/07/Ontario-Business-Contractor. svg Partnerships with over 50 leading Canadian insurance providers https://www. zensurance. com/wp-content/uploads/2019/06/aviva-commercial-liability-insurance. svghttps://www. zensurance. com/wp-content/uploads/2019/06/chubb-small-business-insurance. svghttps://www. zensurance. com/wp-content/uploads/2019/06/beazley-commercial-insurance-canada. svghttps://www. zensurance. com/wp-content/uploads/2019/06/portage-mutual-insurance-for-small-business. svghttps://www. zensurance. com/wp-content/uploads/2019/07/Lloyds_of_London_logo. svghttps://www. zensurance. com/wp-content/uploads/2019/06/travelers-logo. svghttps://www. zensurance. com/wp-content/uploads/2022/07/Delivery-Driver. svg Commercial vehicle insurance coverageCommercial auto insurance provides coverage for your business’s vehicles. Our customized coverage protects all models of cars, trucks, vans, and trailers used for business purposes. Ontario has a no-fault insurance system. But that doesn’t mean there is no fault assigned to a driver or drivers involved in a collision. A basic commercial auto insurance in Ontario includes the following mandatory coverages: Third-party liability provides financial support if you are responsible or at fault for an accident that causes property damage, personal injuries to another person, or death. The law requires you to carry a minimum of $200,000 worth of third-party liability coverage, but it’s recommended you increase the coverage limit to at least $1 million. Direct compensation-property damage (DCPD) allows you to file a claim to your insurance company for compensation directly. To qualify for DCPD compensation, the collision must have taken place in Ontario, you must not be at-fault for it, and all the vehicles involved must be identified and insured. Accident benefits include payment for... --- ### Oakville Business Liability Insurance > At Zensurance we simplify the process of getting business insurance in Oakville. Get a free quote, it's quick & easy! - Published: 2022-07-11 - Modified: 2024-10-08 - URL: https://www.zensurance.com/oakville-business-liability-insurance Business Insurance Oakville Get a free commercial insurance quote and protect your Oakville small business. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/07/Oakville-Business-Owner. svg Partnerships with over 50 leading Canadian insurance providers https://www. zensurance. com/wp-content/uploads/2019/06/chubb-small-business-insurance. svghttps://www. zensurance. com/wp-content/uploads/2019/06/beazley-commercial-insurance-canada. svghttps://www. zensurance. com/wp-content/uploads/2019/06/portage-mutual-insurance-for-small-business. svghttps://www. zensurance. com/wp-content/uploads/2019/07/Lloyds_of_London_logo. svghttps://www. zensurance. com/wp-content/uploads/2019/06/travelers-logo. svg Commercial insurance tailored for your business No matter the size of your business in Oakville, financial losses from accidents can leave your operations at a standstill. Get the peace of mind you deserve, and let Zensurance find the best rates on your business and commercial insurance needs. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does business liability insurance cover? Depending on your business operations, there are several coverages that can be added to your business insurance policy package. Explore the following insurance policies for specific coverage information:​ Commercial General Liability Insurance (CGL) Professional Liability Insurance (also known asErrors and Omissions) Commercial Property Insurance Commercial Auto Insurance Cyber Liability Insurance Directors and Officers Insurance Product Liability Insurance Special Event Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs business liability insurance? Whether you're a freelancer or a company owner, having insurance for your business is critical to protect you from the financial burden associated with liability claims. Here are some industries that we specialize in Oakville: Beauty Professionals Contractors Counsellors Consultants Home Business Insurance Landlords Personal Trainers Restaurants Sports and Fitness Snow Removal Insurance Yoga Instructors https://www. zensurance. com/wp-content/uploads/2019/06/get-insurance-and-save-zensurance. svg How much does business insurance in Oakville cost? Generally, small businesses in Oakville typically spend around $450... --- ### Videographer Insurance > At Zensurance we simplify the process of getting videography liability insurance. Get a free quote, it's quick & easy! - Published: 2022-07-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/videographer-insurance Videographer Insurance Get a comprehensive insurance policy and protect your videography business from the liabilities it faces. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/07/Videographer. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Videography. svgInsurance for videographersThe art of making video films and capturing the moments that matter is more than your profession, it’s also your passion. Creating a picture-perfect video means paying close attention to the details and ensuring nothing will obscure or ruin the scene. You need to apply the same level of detail and consideration to protecting your profession and finances with a customized videographer insurance policy. Videographer insurance is designed to protect professional videographers across multiple industries from the range of risks they face, be it third-party bodily injury or property damage liability, professional liability, or loss or damage to their equipment. Whether your work involves wedding and event videography, drone videography, nature videography, real estate videography, or sports and media videography, a comprehensive videographer insurance policy from Zensurance can provide your videography business with the protection it needs to thrive. A comprehensive insurance policy for videographers typically includes: Professional Liability Insurance: Professional liability, also known as errors and omissions (E&O) insurance, provides coverage against financial losses due to negligence, errors, or failure to deliver a service as promised. It also includes media services and advertising protection if one of your customers is sued for defamation, libel, or slander because of your work. Professional liability insurance protects you from costs associated with claims or lawsuits that may threaten the survival of your business. Drone... --- ### Etsy Seller Insurance > At Zensurance we simplify the process of getting Etsy seller insurance. Get a free quote, it's quick & easy! - Published: 2022-07-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/e-commerce-insurance/etsy-seller Etsy Seller Insurance Etsy seller insurance provides financial protection against the unique risks you are exposed to as an Etsy store owner, such as allegations of defective products and cyber-related claims. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/07/Etsy-Seller. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Etsy. svgInsurance for Etsy sellersIf you’re venturing into the Etsy marketplace for the first time, or you’re a veteran at selling your products online, it’s vital to safeguard your business. While selling online can alleviate some of the risks you can face if you sell in a physical space, your business can still be vulnerable to inventory theft or damage. Additionally, you can be more susceptible to online threats, such as a cyber-attack or a data breach. As an Etsy store owner, you need an insurance policy that can protect you financially against allegations of faulty products and general liabilities. Our Etsy insurance policy packages protect small business owners against the risks associated with producing and selling merchandise online, like cyber risks and liable events of third-party property damage or bodily injury. A comprehensive Etsy seller insurance package will typically include the following coverages: Commercial General Liability (CGL) Insurance: While it’s likely you conduct most of your business online (especially if you sell your products exclusively on Etsy), you can still find yourself liable for claims of third-party injury and property damage. Thankfully, claims like these can be covered by CGL. For example, a prospective customer is visiting your home to pick up their order in person and they trip over your front... --- ### Martial Arts Insurance > Get a customized liability insurance policy for your martial arts school. Get a free quote today! - Published: 2022-07-05 - Modified: 2024-04-23 - URL: https://www.zensurance.com/sports-insurance/martial-arts Martial Arts Insurance Defend and protect your martial arts business with a comprehensive insurance policy designed to address your specific needs. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/02/Martial-Arts-m. svghttps://www. zensurance. com/wp-content/uploads/2023/02/Martial-Arts-f. svgInsurance for martial arts schoolsSharing your in-depth knowledge of self-defence and the fighting arts is your commitment to your students. Whether your instruction is health- or defence-oriented, the disciplines and techniques you provide teaches your students to focus, inspires confidence, and improves their agility, flexibility, and strength. However, martial arts instructors and studio owners face many liability risks, which calls for an insurance policy customized by a brokerage that understands the specialized training and services you offer. Martial arts insurance is a customized policy consisting of several coverages that combine to provide you with comprehensive protection from the risk of third-party bodily injury or property damage claims and lawsuits. A tailored martial arts policy also provides you with coverage for loss or damage to your studio or school caused by fire, flood, extreme weather, theft, and vandalism. A typical martial arts insurance policy contains several unique coverages, including: Professional Liability Insurance: Also called errors and omissions (E&O) insurance, professional liability covers you for allegations of negligence, misconduct, mistakes, and failing to deliver a service as promised. Commercial General Liability (CGL) Insurance: CGL protects you from third-party bodily injury or property damage claims or lawsuits resulting from your business’s activities, whether on your premises or at another location. For instance, if one of your students fractures an ankle while training in... --- ### Business Contents Insurance > At Zensurance we simplify the process of getting business contents insurance. Get a free quote, it's quick and easy! - Published: 2022-06-29 - Modified: 2024-04-23 - URL: https://www.zensurance.com/business-contents-insurance Business Contents InsuranceProtect your company’s assets and inventory with comprehensive business contents insurance. https://www. zensurance. com/wp-content/uploads/2022/06/Business-Owner. svg Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: Inventory loss at your retail store climbs, and you suspect it’s due to internal theft. Outcome: If you include commercial crime coverage in your commercial property policy, it may cover the cost of replacing the stolen goods. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: A severe wind and hailstorm damages the roof of your office, allowing water to seep in that damages some of your office equipment and furniture. Outcome: Your commercial property insurance may pay to repair the damages to your office building, while your business contents coverage may cover the cost to repair or replace your office equipment and furniture. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: An electrical fire ignites overnight in your warehouse and burns a significant portion of the building and your stored inventory. Outcome: Your commercial property insurance may pay to repair the fire damage to the warehouse. The business contents portion of your policy may cover the cost of replacing the damaged inventory. If you have business interruption coverage as part of your policy, it may cover the net revenue you lose while you are closed, and repairs to the building are underway. Business Contents Insurance, Explained. What is business contents insurance? Business contents insurance protects all the assets inside or on your commercial property. It covers the cost of repairing or replacing your computers, office furniture and equipment, and inventory or merchandise... --- ### Shopify Business Insurance > At Zensurance we simplify the process of getting Shopify business insurance. Get a free quote, it's quick & easy! - Published: 2022-06-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/e-commerce-insurance/shopify-business Shopify Business InsuranceProtect your Shopify business with a customized insurance policy to safeguard you from third-party lawsuits and other risks. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Amazon-Seller. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Shopify-Business. svgInsurance for Shopify businessesShopify, the Canadian multinational e-commerce platform, is a go-to source for merchants and service providers to create a customized online store to sell goods and services across multiple channels. Regardless of the type of products and services your small business or startup provides, a Shopify business insurance policy can help minimize your risks. It provides financial support if you are sued or suffer damages or losses resulting from an insurable event, such as a fire or flood. Shopify business insurance is a customized policy that protects online retailers from a myriad of risks, including third-party bodily injury and property damage, product liability, property damage from severe weather, and cybercrime. A comprehensive Shopify business insurance policy may include the following coverages: Commercial General Liability (CGL) Insurance: CGL covers you for third-party bodily injury or property damage claims that occur on your premises or because of your services. For instance, if a customer visits your brick-and-mortar retail store falls and fractures a wrist, CGL may pay for their medical expenses. CGL includes product liability insurance. You are liable for any product you manufacture, distribute, or sell, whether through your business’s website, a third-party marketplace or at a brick-and-mortar location. It protects you from third-party bodily injury or property damage claims resulting from the goods you offer to the public. Cyber Liability... --- ### Restoration and Remediation Contractors Insurance > At Zensurance, we simplify the process of getting insurance for restoration & remediation contractors. Get a free quote, it's quick & easy! - Published: 2022-06-17 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/restoration-and-remediation Restoration and Remediation InsuranceGet a customized, comprehensive policy for contractors who provide restoration and remediation services and protect your business.  Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/06/Restoration-Contractor. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Restoration-Professional. svgInsurance for restoration and remediation contractorsRestoration and remediation contractors help people, communities, and small businesses rebuild and restore their properties from damages caused by mould or smoke or following an emergency, such as fire, flood, or damage caused by severe weather.   However, this trade faces considerable risk given the nature of their work, which is often done in hazardous conditions. Restoration and remediation professionals also face the possibility of third-party bodily injury and property damage claims or lawsuits that calls for a comprehensive insurance policy to protect them. Restoration and remediation contractors’ insurance is a specialized policy that’s tailored to address your business’s unique needs. That includes protection from the risk of third-party lawsuits related to bodily injury, property damage, or environmental and professional liability, or losses suffered because of extreme weather, theft, or vandalism. The type of policy you need should be tailored to your business needs. However, a custom restoration and remediation insurance policy for contractors typically includes the following coverages: Commercial General Liability (CGL) Insurance: The foundation of almost any business insurance policy, CGL is designed to cover your daily operations. Specifically, it provides financial support for third-party bodily injury or property damage claims or lawsuits related to your business’s activities or caused by negligence or an accident. For example, if you accidentally damage a homeowner’s possessions... --- ### Junk Removal Insurance > Zensurance simplifies finding low-cost junk removal insurance. Protect your business with customized coverage. Get your free online quote! - Published: 2022-06-17 - Modified: 2024-05-10 - URL: https://www.zensurance.com/contractor-insurance/junk-removal Junk Removal InsuranceJunk and debris removal and disposal companies do dangerous but necessary work. Protect your business from the risk of expensive accidents and lawsuits with junk removal insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Junk-Removal-Contractor. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Junk-Removal. svgInsurance for junk removal companiesJunk and debris removal businesses perform difficult, hazardous work. Whether working with homeowners, renovation contractors, or other companies, junk removal professionals are frequently exposed to dangerous working conditions. Moreover, they can be held liable for damages if there’s an accident or error made on the job. Whether your business hauls and disposes of trash, kitchen appliances, furniture, or electronics, protect your business from the risks posed by accidents and lawsuits with junk removal insurance. Insurance for junk removal businesses is a customized policy containing different coverages that’s designed to protect these types of companies and their owners against specific risks they may encounter, such as third-party injuries and property damage. A comprehensive junk removal business insurance policy may include the following coverages: Commercial General Liability (CGL) Insurance: CGL covers your business’s daily operations from allegations of third-party bodily injury or property damage. Commonly called ‘slip-and-fall’ insurance, CGL provides financial support if someone is injured on your property or by your junk removal operations, or if someone else’s property is damaged by your company’s services. Tools and Equipment Insurance: This coverage pays to repair or replace your company’s expensive tools and equipment if damaged by fire, flood, or if they are stolen or vandalized. Tools and equipment insurance protects... --- ### Brampton Business Liability Insurance > At Zensurance we simplify the process of getting commercial insurance for Brampton small businesses. Get a free quote, it's quick & easy! - Published: 2022-06-17 - Modified: 2024-10-08 - URL: https://www.zensurance.com/brampton-business-liability-insurance Business Insurance Brampton Having the right insurance coverage for your Brampton business ensures you are protected in the event of an accident causing injury or property damage. Get a free business insurance quote in minutes! Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/06/Business-Owner-Brampton. svg Partnerships with over 50 leading Canadian insurance providers https://www. zensurance. com/wp-content/uploads/2019/06/chubb-small-business-insurance. svghttps://www. zensurance. com/wp-content/uploads/2019/06/beazley-commercial-insurance-canada. svghttps://www. zensurance. com/wp-content/uploads/2019/06/portage-mutual-insurance-for-small-business. svghttps://www. zensurance. com/wp-content/uploads/2019/07/Lloyds_of_London_logo. svghttps://www. zensurance. com/wp-content/uploads/2019/06/travelers-logo. svg Commercial insurance tailored for your business Business liability insurance (commercial insurance)protects business owners in Brampton against financial losses due to unforeseen events that may occur during day-to-day business operations, such as property damage, errors, or injuries. At Zensurance, we help small businesses thrive by providing the best rates on a custom insurance policy tailored for each unique business. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does business liability insurance cover? Depending on your business risks, there are several insurance coverages that can be grouped into your business insurance policy. Explore the following insurance policies for specific coverage information:​ Commercial General Liability Insurance (CGL) Professional Liability Insurance (also known asErrors and Omissions) Commercial Property Insurance Commercial Auto Insurance Cyber Liability Insurance Directors and Officers Insurance Product Liability Insurance Special Event Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs business liability insurance? Whether you're an entrepreneur or own a large company, having the proper insurance protection is critical for the long-term survival of your business.   A compressive business insurance package can cover the financial burden associated with unforeseen accidents. Here are some industries that we specialize... --- ### Optometrist Insurance > At Zensurance we simplify the process of getting professional liability insurance for optometrists. Get a free quote, it's quick and easy! - Published: 2022-06-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/optometrist-insurance Optometrist Liability InsuranceProtect your practice from costly lawsuits and enjoy peace of mind with an optometrist insurance policy built around your business. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/06/Optometrist. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Optometry-Professional. svgInsurance for optometristsAs an optometrist, the role you play in a patient’s care is extremely important. Vision is taken for granted by many of us, but without the services of optometrists and opticians, there’d be far fewer people that could visually enjoy the beauty of the world around us. As with any industry, there is always a chance that an accident can happen. When that risk involves a client’s eyesight, it can quickly become a serious claim that’s incredibly costly to your business if you don’t have adequate insurance protection. Optometrist insurance is the name given to a group of policies that protect the services and solutions provided by optometrists in Canada. Optometrist coverage may protect you from things such as general liability claims, allegations of professional malpractice, and damage to your property if caused by an insurable event. A comprehensive insurance for optometrists will typically include the following coverages: Professional Liability Insurance:  Also referred to as medical malpractice insurance, this policy provides coverage for allegations of misconduct, negligence, and failure to deliver a professional service as promised. For example, you prescribe your client +5. 00 glasses but they complain a week later of severe headaches. You realize your prescription was too strong for their vision based on when you recheck their assessment. They sue you for negligence – your insurance... --- ### Optician Insurance > At Zensurance we simplify the process of getting professional liability insurance for opticians. Get a free quote, it's quick and easy! - Published: 2022-06-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/optician-insurance Optician Liability InsuranceOpticians are vulnerable to medical malpractice lawsuits. Protect yourself with a comprehensive professional liability insurance policy that’s customized to meet your needs. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/06/Optician. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Optician. svgInsurance for opticiansAs eye care professionals, opticians provide their patients with prescription and non-prescription eyewear that fits them comfortably. From adjusting a patient’s existing frames to replacing them with new glasses or contact lenses, opticians perform a vital service. Opticians are regulated by the respective colleges in their provinces and may be required to carry medical malpractice insurance. Insurance for opticians is mandatory across Canada. Not only is it a requirement, but it’s also wise to protect your career and finances with an insurance policy that’s tailored to safeguard opticians. Optician liability insurance is a form of medical malpractice insurance. This type of policy is designed to provide you with coverage if a patient alleges you caused them physical harm or financial loss due to negligence, misconduct, or errors, or if you are sued for third-party bodily injury. Optician insurance covers the most common set of risks in this profession, including claims alleging third-party injuries resulting from your services. A typical policy for opticians may include the following coverages: Medical Malpractice Insurance: Also called errors and omissions (E&O) insurance or professional liability insurance, malpractice coverage protects you from allegations or lawsuits resulting from your professional activities, including misconduct, negligence, mistakes, or failing to deliver a service as promised. Commercial General Liability (CGL) Insurance: CGL provides protection for... --- ### Grocery Store Insurance > At Zensurance we simplify the process of getting business insurance for grocery stores. Get a free quote, it's quick and easy! - Published: 2022-06-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/retail-insurance/grocery-store Grocery Store Insurance Owning and running a grocery store requires a lot of skills including managing many unique risks. A customized grocery store insurance policy can protect your business and provide you with peace of mind. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/06/Grocery-Store-Business-Owner. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Grocery-Store. svgInsurance for grocery storesA customized grocery and food store insurance policy is essential protection for independent and specialty grocery stores in neighbourhoods across Canada. No matter the size of their operations, grocery store owners face a broad range of internal and external risks that could result in expensive third-party lawsuits or damage and loss. Business insurance for grocery stores is designed to safeguard your business from the risks you face. As small, local, independent grocery and food stores are diverse and unique, you need a policy that reflects that uniqueness and caters to your specific needs. A tailored grocery store insurance program features several coverages that protect you from third-party bodily injury or property damage claims or lawsuits, as well as covering your inventory, equipment, and physical store. A comprehensive grocery store insurance policy typically includes several types of coverages, including: Commercial General Liability (CGL) Insurance: CGL provides you with financial support for your legal expenses if a customer is injured inside your grocery store or elsewhere on your commercial property, such as the parking lot or entranceway. For example, if one of your customers slips and falls on a wet floor caused by a spilled product, they could sue you for negligence and third-party... --- ### Demolition Insurance > At Zensurance we simplify the process of getting Demolition Contractor Insurance. Get a free quote, it's quick and easy! - Published: 2022-06-08 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/demolition Demolition Insurance Demolition contractors face significant risks arising from the nature of their work. Protect your business with a comprehensive demolition insurance policy. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2020/07/Demolition-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Demolition-Contractor. svgInsurance for demolition contractorsDemolishing and tearing down buildings and other structures, doing interior demolitions, or deconstructing buildings is necessary to work to revitalize any community, but it’s also fraught with risks ranging from pollution exposure to third-party bodily injury and property damage. Insurance for demolition contractors can help provide financial coverage for risks common to this industry. Demolition insurance also called wrecking insurance or bulldozing liability coverage, is a customized policy that’s designed to safeguard demolition and deconstruction contractors and wrecking operations by providing financial coverage for common risks such as third-party bodily injury and property damage claims or lawsuits. Tearing down buildings presents a high risk of third-party injuries and property damage. Therefore, it is important to have insurance coverage specifically designed for the risks you encounter and the equipment you own. A comprehensive demolition insurance policy typically includes the following coverages: Commercial General Liability (CGL) Insurance: CGL provides financial cover for third-party bodily injury or property damage claims or lawsuits because of your demolition company’s regular activities. Whether an incident or accident takes place on your premises (such as a customer visiting your office and being injured in a fall) or a worksite, CGL is designed to pay compensatory damages and your legal defence fees if you’re sued. Pollution Liability Insurance: Demolition and deconstruction projects involve... --- ### Private Investigator Insurance > At Zensurance we simplify the process of getting Private Investigator Insurance. Get a free quote, it's quick & easy! - Published: 2022-06-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/security-service-insurance/private-investigator Private Investigator Insurance Get a custom private investigator insurance policy to protect your business against claims of negligence, errors, or omissions. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/11/Private-Investigator. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Private-Investigator. svgInsurance for private investigatorsAs a private investigator, you’re an expert at leaving no stone unturned to discover the truth. Depending on the case you’re currently investigating, you could find yourself in a variety of situations and locations – there’s never a dull day. But even with the attention to detail required for the role, it’s fair to say not every case will go to plan. When a case goes south due to serious allegations of negligence or malpractice, or even due to a slip-and-fall you’re liable for, you need an insurance policy that’s built around your business and the risks you face. Private investigator insurance is a group of policies that, when combined, offer comprehensive coverage to protect independent investigators and agencies against the specific risks and allegations they may face. Your insurance policy can be built around your needs, however, the majority of private investigator insurance policies will include the following coverages: Errors and Omissions (E&O) Insurance: Otherwise known as professional liability insurance, E&O insurance protects private investigators against mental anguish charges and allegations of negligence or faulty services. For example, suppose you’re investigating a missing teenager, and you follow a lead that they’d been located across the country. Unfortunately, the lead turned out to be wrong after you’d preemptively told your client their teenager had been located. The... --- ### Pest Control Insurance > At Zensurance we simplify the process of getting pest control insurance. Get a free quote, it's quick & easy! - Published: 2022-06-07 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/pest-control Pest Control Insurance Dealing with lawsuits against your business can be a pesky situation.   Protect yourself with pest control insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2020/06/Pest-Control-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Pest-Removal. svgInsurance for pest control businessesPest control professionals offer a solution no homeowner or business owner wants to need, but they’re incredibly grateful for your expertise if they require your service. Clients trust you to get rid of their nightmare rodent issue or unmanageably weedy lawn, amongst other predicaments. Even with the best intentions and a great record, you must cover your business for the unexpected. Suppose you overlook termite or rodent damage or damage your client’s property through misapplied chemicals. You could be responsible for paying for these events out of your pocket if you don’t have the right pest control insurance coverage. Pest control insurance is a specialized insurance policy designed to cover the unique risks of commercial and residential pest control contractors. An insurance policy for professional pest control businesses will include a combination of several types of coverages, including: Commercial General Liability (CGL) Insurance: CGL insurance covers a broad range of general business risks if you’re liable for an incident that resulted in third-party bodily injuries or third-party property damage. For example, while providing pest control services at a client’s home, you accidentally knock your heavy equipment into the side of an expensive wooden desk, causing it to need repair work. In this instance, your CGL could pay for the repairs required. Pollution Liability Insurance: Also known... --- ### Audiologist Insurance > At Zensurance we simplify the process of getting insurance for audiologists. Get a free malpractice insurance quote, it's quick & easy! - Published: 2022-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/audiologist-insurance Audiologist Liability Insurance Audiologists require a comprehensive insurance policy that’s college-approved to protect themselves from the professional and medical risks they face. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Audiologist-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Audiologist. svgInsurance for audiologistsAudiologists are health care professionals who help identify and manage their patients’ hearing, balance, and other neural systems disorders. Insurance for audiologists is mandatory as it is required by your provincial college. Audiologist insurance is a form of medical malpractice insurance. It’s a customized policy that’s designed to provide audiologists with financial support if they are sued or accused of causing third-party bodily injury to their patients because of negligence, errors, or mistakes. Our audiologist insurance covers the most common set of risks in this profession, including claims stemming from misdiagnosis, third-party injuries resulting from treatment, and conflicting diagnoses and treatments from other practitioners. A typical policy for audiologists may include the following coverages: Medical Malpractice Insurance: Medical malpractice insurance protects you from allegations of misconduct, negligence, and errors as well as claims of financial loss resulting from your services or failure to deliver a service as agreed. Commercial General Liability (CGL) Insurance: CGL provides financial cover for third-party bodily injury or property damage claims or lawsuits because of your clinic’s regular activities. For example, if a patient visiting your office trips, falls, and suffers an injury, CGL is designed to pay for their medical expenses as well as compensation damages and your legal defence fees if you’re sued. Equipment Breakdown Insurance: If you own or rent... --- ### Quote For A Cause > Terms of Service - At Zensurance we simplify the process of getting business insurance. Get a free quote, it's quick and easy! - Published: 2022-05-30 - Modified: 2022-10-17 - URL: https://www.zensurance.com/q4c Terms and Conditions ZENSURANCE “QUOTE FOR A CAUSE” PROMOTION This promotion is open to Canadian residents only and is governed by Canadian law. ZENSURANCE QUOTE FOR A CAUSE promotion (referred to herein as the “Promotion”) is sponsored and operated by ZENSURANCE Brokerage Inc. (referred to herein as “Sponsor” or “ZENSURANCE”). The following are the Official Rules and Regulations (the “Rules”) for the Promotion. 1. KEY DATES:  The Entry Period (the “Entry Period”) for the Promotion begins on May 30, 2022 at 12:00:00 pm. Eastern Daylight Time ("EDT") and ends on October 31, 2022 at 11:59:59 p. m. EDT. 2. ELIGIBILITY: To be eligible for this Promotion, a participant must: (1) be a resident of Canada who has reached the legal age of majority in their province/territory of residence at the time of entry; (2) does not include existing customers of Zensurance platform; and (3) excludes residents of QC, YT, NT, NU. THE PROMOTION IS VOID WHERE PROHIBITED BY LAW, RULE OR REGULATION and is not open to residents of Quebec, YT, NT, NU. An individual participant will not be eligible if they have previously been quoted a price or purchase insurance coverage through Zensurance. Employees, representatives, contractors or agents (and those with whom such persons are domiciled, whether related or not) of the Sponsor, its affiliates, advertising/promotion agencies and any other individual(s), entity or entities involved in the development, implementation, administration, judging or fulfillment of the Promotion are not eligible to participate in the Promotion. 3. HOW TO PARTICIPATE: No... --- ### IT Consultant Insurance > At Zensurance we simplify the process of getting IT consultant insurance. Get a free quote, it's quick & easy! - Published: 2022-05-26 - Modified: 2023-06-13 - URL: https://www.zensurance.com/it-consultant-insurance IT Consultant InsuranceCompanies rely on IT professionals for a myriad of technology-related projects that come with many risks. Protect your practice against claims of negligence, errors, or omissions with IT consultant insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/05/IT-Consultant. svghttps://www. zensurance. com/wp-content/uploads/2022/08/IT-Professional. svgInsurance for IT consultantsIT consultants are responsible for a wide range of tasks for their clients, including writing, testing, and supporting custom software, and designing integrated hardware, software, and communications infrastructure. But with these responsibilities come considerable risks. For instance, if one of your clients suffers a financial loss due to your work or advice, you could be sued for damages. IT consultant insurance can help protect you from the economic impact of such an event. IT consultant insurance is a policy that’s customized to address the risks information technology professionals face, such as allegations of negligence, or third-party lawsuits seeking compensation because of a mistake or omission in their work that causes a client to suffer damage or loss. An IT consultant insurance policy package typically includes the following types of coverages: Errors and Omissions (E&O) Insurance: Also called professional liability insurance, E&O insurance provides cover for client claims alleging financial loss because of your work or advice you provide. It provides you with financial support for your legal defence and damages arising from lawsuits alleging misconduct, negligence, mistakes, omissions, and failing to deliver a service. Cyber Liability Insurance: No IT consultant should provide services without including cyber liability protection in their overall insurance policy. Cyber liability coverage... --- ### Clinic Liability Insurance > At Zensurance we simplify the process of getting clinic liability insurance. Get a free quote, it's quick and easy! - Published: 2022-05-18 - Modified: 2022-10-17 - URL: https://www.zensurance.com/clinic-liability-insurance Clinic Liability Insurance Medical clinic liability insurance protects health, wellness, and medical centres from lawsuits alleging malpractice, property damange and other risks. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/05/Medical-Clinic-Owner. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Medical-Clinic. svgInsurance for medical clinicsHealth care, wellness, and life science organizations must navigate a myriad of pressing issues and obstacles while delivering world-class care to their patients. Owners of medical or wellness clinics, offices, or laboratories face a wide range of risks, including third-party lawsuits, allegations of medical malpractice, and damage or loss resulting from severe weather or accidents. Clinic liability insurance helps cover medical practitioners, wellness studios, and health clinic owners from those risks. Clinic liability insurance is a customized policy providing financial support if sued for third-party bodily injury or property damage or allegations of professional misconduct, negligence, or malpractice. It can also cover damage or loss to your clinic or medical facility resulting from a natural disaster or extreme weather. Clinic liability insurance covers most types of wellness and health clinics. A customized policy may include the following types of coverages: Medical Malpractice Insurance: Also called professional liability or errors and omissions (E&O) insurance, medical malpractice is essential protection for your facility and reputation. It provides financial coverage for allegations or lawsuits alleging negligence, misconduct, and failing to deliver a service as promised if a patient suffers a financial loss. It covers your legal fees and any awards for damages against you and out-of-court settlements. Commercial General Liability (CGL) Insurance: CGL is the foundation your clinic insurance... --- ### Dog Walker Insurance > At Zensurance we simplify the process of getting dog walking insurance. Get a free quote, it's quick and easy! - Published: 2022-05-17 - Modified: 2024-03-26 - URL: https://www.zensurance.com/pet-services-insurance/dog-walker Dog Walker Insurance Get a customized dog walker insurance policy to protect your dog walking business. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/03/Dog-Walker-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2024/03/Professional-Dog-Walker. svgInsurance for dog walkersWhether you walk dogs for extra cash or run a fully-fledged dog walking business, you need to know your risks. Dogs can do unexpected things when they’re out and about – say, one of your four-legged friends decides to run after a squirrel in an off-leash park but knocks over a small child on their quest. You could be responsible for the child’s medical bills if they’re injured. Additionally,  you can be sued by your client if they have reason to believe you were negligent or provided an insufficient service. Dog walker insurance is a policy designed to protect the activities of dog walkers while they’re providing their services. Insurance policies typically cover general and professional liability claims. Your policy will typically cover the general and specific risks you could face as a dog walker. The risks vary based on the services offered, however, the following coverages are most commonly used when building a dog walking insurance policy: Commercial General Liability (CGL) Insurance: This coverage protects dog walkers against common claims that result in third-party bodily injury (e. g. , slip-and-fall) and property damage. For example, say you’re walking a client’s dog, and an elderly pedestrian trips over the dog leash and sprains their wrist. Should you be sued, CGL may cover legal defence costs and third-party medical costs regardless of the... --- ### Window Cleaning Insurance > At Zensurance we simplify the process of getting business insurance for window cleaners. Get a free quote, it's quick & easy! - Published: 2022-05-17 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/window-cleaning Window Cleaning Insurance Wipe away your worries and get the peace of mind you deserve with a comprehensive window cleaning liability insurance policy. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/05/Window-Cleaner. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Window-Cleaner-709x1024. pngInsurance for window cleanersProfessional window cleaning is a potentially risky line of business. Depending on the services you provide, and if they’re residential, commercial, or industrial, your window cleaning business faces a host of potential liabilities. For instance, one of your customers could sue you for third-party property damage or bodily injury, or an employee could fall from a ladder or a window cleaning aerial lift. Regardless of the types of services you provide, professional window cleaners need to protect their businesses with a customized window cleaning insurance policy. Window cleaning insurance is a policy that’s exclusively designed and customized for professional window cleaners. It protects against the specific risks and liabilities these types of professionals face daily. Window cleaning insurance is the risk management strategy you need to protect your business and assets. It’s a forward-looking, affordable way to protect your company, employees, inventory, and customers. A comprehensive window cleaning insurance policy may include several types of coverages, including: Commercial General Liability (CGL) Insurance: CGL protects your business in its day-to-day activities. Frequently referred to as ‘slip-and-fall’ insurance, CGL protects you against third-party bodily injury or property damage claims. For instance, if one of your employees is on a ladder and accidentally drops a squeegee that hits a passerby injuring them, CGL may pay for their medical... --- ### Cafe / Coffee Shop Insurance > At Zensurance we simplify the process of getting insurance for cafes and coffee shops. Get a free quote, it's quick and easy! - Published: 2022-05-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/restaurant-insurance/cafe-coffee-shop Cafe and Coffee Shop Insurance Business insurance coverage tailored for your cafe or coffee shop. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2020/07/Cafe-Coffee-Shop-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/coffee-shop-owner. svgInsurance for cafe and coffee shop ownersFor cafe and coffee shop owners, we know you’re driven to provide great food and service. However, as with any business, an unexpected situation can send your plans off-track, create financial hardship, and possibly bankrupt your business. Thankfully, with the right insurance policy, your cafe, coffee shop or other eateries can be protected against costly claims, giving you the peace of mind to focus on what’s important. Our cafe and coffee shop policy packages help owners of food and drink establishments to protect themselves against risks associated with their business operations, including premises-related claims and liable accidents and injuries. Cafe and coffee shop insurance describes several coverages that provide a comprehensive policy for your business. Typically, cafe and coffee shop insurance will include the following policies: Commercial General Liability (CGL) Insurance: CGL or “slip-and-fall insurance” can provide coverage against the day-to-day risks while running a cafe or similar business. If a third party is injured or their property is damaged at your location, they can sue. For example, say, a customer falls off a wobbly stool at your juice bar and injures their back. CGL would typically cover legal expenses and third-party medical bills, regardless of the legal outcome. Product Liability Insurance: As part of a CGL policy, you can be covered for injuries or property damage caused by defective... --- ### Handyman Insurance > At Zensurance we simplify the process of getting Handyman Insurance. Get a free quote, it's quick and easy! - Published: 2022-05-11 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/handyman Handyman Insurance A customized insurance policy for a handyman or handyperson is designed to protect you against financial damages, losses, and injuries wherever you work. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/05/Handyman-Contractor. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Handyman. svgInsurance for handyman contractorsFor a jack-of-all-trades or jill-of-all-trades, handyman or handywoman insurance is a comprehensive insurance policy that’s designed to safeguard you from the various risks you are exposed to and provide you with financial support in the event something goes awry. Whether due to an accident, error, or unforeseen circumstance, insurance for handyman contractors is a policy tailored to meet your unique business needs and provide you with the coverage you need to do your job with confidence. Handyman insurance is a policy that’s customized to reflect the work you do and protect handyman and handywoman contractors against the liabilities and risks they faces while working at a client’s property. Mistakes can happen and potential lawsuits against your business can be financially devastating. Handyman insurance can ensure you have the financial support you need if you are sued or if an accident or event results in injury or property damage. Handyman contractors are versatile, talented, fixers with a broad range of skills to repair or conduct maintenance work in residential or commercial settings. Their work may be interior or exterior and can vary from small, odd jobs to more significant tasks such as gutter cleaning and repairs, installations, painting, or plumbing maintenance. Regardless of the types of handyperson jobs you do, it is vital to... --- ### Startup Insurance > At Zensurance we simplify the process of getting startup insurance. Get a free quote, it's quick and easy! - Published: 2022-05-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/startup-insurance Startup Insurance Get a customized insurance policy to protect your startup business from the liabilities and risks you face. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Startup-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Startup. svgInsurance for startup businessesSmall businesses are significant contributors to the Canadian economy. For context, nearly 99% of companies in Canada are considered small- or medium-sized businesses.  However, all small businesses began as startups. Throughout the lifecycle and growth trajectory of any startup company, a tailored insurance policy that’s designed exclusively for new and developing businesses is a must-have to ensure your survival and growth. Startup insurance protects business owners from expensive claims such as third-party bodily injury and property damage, errors and omissions, and provides financial support if your commercial property and business contents are damaged, destroyed, or stolen. A startup insurance policy features different types of coverages that provide comprehensive protection. Most startup insurance policies include the following coverages: Commercial General Liability (CGL) Insurance: CGL provides financial support for your startup if you are subjected to a third-party bodily injury or property damage claim or lawsuit resulting from your daily operations. CGL also typically includes product liability insurance to cover you for any injuries or damages that are caused by a product you sell, distribute, or manufacture. It’s designed to provide you with funds to pay for your legal defence expenses and any compensatory awards ordered by a court. Cyber Liability Insurance: Any startup that has a website, e-commerce store, a point-of-sale system, or that collects and stores its customers’ confidential and financial... --- ### Hotel Insurance > At Zensurance we simplify the process of getting insurance for hotels and other accommodation businesses. Get a free quote, it's quick & easy! - Published: 2022-05-10 - Modified: 2023-08-17 - URL: https://www.zensurance.com/hotel-insurance Hotel Business Insurance Accommodation and hotel insurance protect hospitality businesses from the potential risks if they are sued or if their business suffers damage or loss resulting from an unforeseen accident. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Hotel-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Hotel-Operator. svgInsurance for hotel ownersThe Canadian hospitality industry is a large, diverse segment. There are more than 8,000 hotels, motels, and resorts in Canada, employing more than 300,000 people and generating approximately $21. 9 billion in spending on overnight stays annually. An insurance policy exclusively tailored for hotel operators, motel owners, and resorts is critical for protecting your assets and property from a broad range of risks, including third-party liability. Hotel insurance is designed to protect hospitality businesses, including hotel operators, from the risks they face, such as third-party bodily injury or property damage lawsuits and other exposures. Hoteliers are exposed to multiple risks related to lodging guests and the amenities their properties may offer, including restaurants, bars, swimming pools, and exercise facilities. A comprehensive hotel insurance policy can protect you and provide financial support for many incidents or accidents that can threaten your business’s survival. A comprehensive hotel insurance policy may include the following types of coverages: Commercial General Liability (CGL) Insurance: CGL covers you for third-party claims alleging bodily injury or property damage that may result from an unexpected accident or negligence caused by your business’s activities. For example, if one of your guests slips, falls, and is injured while crossing a freshly mopped floor (CGL is frequently called... --- ### Catering Insurance > Catering Insurance is designed to protect from the unique risks that caterers face. Get a free online quote. - Published: 2022-04-21 - Modified: 2024-04-23 - URL: https://www.zensurance.com/restaurant-insurance/catering Catering Insurance From small local catering services to large banquet facilities, protect your business with a catering insurance policy that’s built around your needs. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2020/07/Catering-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Caterer. svgInsurance for caterersDuring the preparation for any event, there is so much to plan for (and, for catering staff, so many meals to coordinate). However, it’s important to plan for the unexpected as well. Out of the hundreds (or even thousands) of people you serve, one small liability claim from a guest can cost tens of thousands of dollars, totally disrupting your business’s financial security. Before taking on any catering event, it’s imperative to have adequate catering insurance coverage. Catering insurance is a combination of several policies designed to protect catering companies. Catering insurance covers risks specific to serving food and drink at an event or facility. Catering insurance offers comprehensive coverage for the general and specific risks that catering businesses may face. You can expect catering insurance to include the following coverages: Commercial General Liability (CGL) Insurance: CGL insurance protects you from many general, day-to-day risks faced when running a business. If a third party is injured or their property is damaged due to your business’s actions, you can be held liable, and CGL may offer protection. For example, if an employee hands a customer a hot plate and burns their hand, you could be liable for their injury. In this case, a CGL policy could cover the cost of their medical bills. Product Liability Insurance:... --- ### Food Truck Insurance > Food Truck Insurance is a specialized insurance policy designed to protect from the unique risks that food truck business owners face. - Published: 2022-04-21 - Modified: 2024-04-23 - URL: https://www.zensurance.com/restaurant-insurance/food-truck Food Truck Business Insurance Get the coverage you need to protect your food truck business from common risks. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2020/07/Food-Truck-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Food-Truck. svgInsurance for food trucksWhether you’re new to the industry or have owned a food truck for years, insurance is a must-have to protect you from the business-related risks you could face. Even the most vigilant, health-and-safety-focused food vendors can be held liable for such things as damage to a third party’s property or an allergic reaction claim due to a mislabeled ingredient. You’re in safe hands when you make a quote with Zensurance. More than 100,000 entrepreneurs have trusted us to protect their businesses with insurance policies explicitly designed to cover their needs. Food truck insurance is a policy package designed to protect businesses against the specific liabilities of serving food and drink and the insurable risks of operating a food truck. Food truck insurance combines several coverages to provide comprehensive protection for your business. Typically, food truck business insurance will include the following coverages: Commercial General Liability (CGL) Insurance: CGL protects you from the day-to-day risks of running a business if you’re liable for a third party’s bodily injury or property damage. For example, a customer banged their head on your serving hatch and needed stitches. Your CGL policy could cover the cost of their medical bills. Product Liability Insurance: Product liability coverage can be included in a CGL policy. This coverage protects you against allegations of property damage or bodily injury... --- ### Renovation Contractor Insurance > At Zensurance we simplify the process of getting Renovation Contractor Insurance. Get a free quote, it's quick and easy! - Published: 2022-04-08 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/renovation Renovation Contractor Insurance Whether you’re an independent contractor or small business owner protect your finances and professional reputation from potential liabilities with renovation insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/04/Renovation-Contractor. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Renovation-Contractor. svgInsurance for renovation contractorsAs a renovation contractor, the work you do to enhance, refresh, and repurpose any room or property increases the value and appeal of any structure or building. However, mistakes and accidents can happen, leading to a potential lawsuit against your business. Even a single, frivolous lawsuit can severely damage your reputation and be financially ruinous. Whether you’re doing a small renovation job or a complete makeover of a residential or commercial property, renovation contractor insurance is a vital part of any professional contractor’s risk management strategy. Renovation insurance protects renovation contractors against specific risks, such as third-party bodily injury and property damage. Depending on the types of coverages you choose and how your policy is customized to suit your business, you may wish to include coverage for your tools and equipment, business vehicles, and office or warehouse. Unexpected events can strike without warning – flood or fire damage to your business property, a severe windstorm that damages a worksite, vandalism or theft, an accident that injures a third party. Without a comprehensive commercial renovation insurance policy, you are exposed to covering any damages or losses out of your pocket. Those losses or damages could cost you hundreds of thousands of dollars and force you into bankruptcy. As a renovation and home repair contractor, your... --- ### Fitness Liability Insurance > Fitness Insurance - Comprehensive liability coverage protecting fitness instructors from third-party injury or property damages. - Published: 2022-04-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/insurance-for-fitness-businesses Fitness Insurance Professional fitness instructors, trainers, and fitness studio owners require comprehensive insurance coverage to safeguard against allegations of wrongdoing and damage or loss resulting from accidents. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/04/Fitness-Instructor. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Fitness-Instructor. svgInsurance for fitness instructorsThe Canadian fitness industry is estimated to be worth US$4. 4 billion, and it continues to grow. With more than 13,000 gyms and fitness centres across Canada, the demand for personal fitness trainers and instructors is rising. Fitness liability insurance is a necessary coverage for a broad range of physical fitness, lifestyle, and personal trainers. It is specialized insurance designed to protect against specific liability risks such as slip-and-fall injuries or alleged malpractice, misconduct, or negligence. Fitness instructor insurance is a customized policy containing different coverages designed to protect and provide financial support for fitness and wellness professionals and fitness studio business owners against third-party bodily injury and property damage lawsuits. Fitness insurance typically includes a package of coverages that provide comprehensive coverage for your business. In general, a fitness instructor insurance policy may consist of the following coverages: Commercial General Liability (CGL) Insurance: Frequently referred to as ‘slip-and-fall’ insurance, CGL provides you with coverage for third-party bodily injury or property damage claims. For instance, if one of your clients should trip, fall, and injure themselves while visiting your fitness studio, CGL is designed to pay for their medical expenses, legal fees, and any court-ordered compensation if you are sued. It can also include product liability coverage for any product you manufacture, sell,... --- ### Commercial Crime Insurance > Commercial crime insurance provides coverage for business owners against internal theft committed by employees. Get a free quote! - Published: 2022-04-08 - Modified: 2024-04-23 - URL: https://www.zensurance.com/commercial-crime-insurance Commercial Crime InsuranceThough you strive to hire the best employees and trust them to represent your business, trust is not enough to protect yourself. Get financial protection from the risk of internal theft and fraud. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/04/Employee. svg Why Choose Zensurance? We help Canadian business owners save time and money by providing a convenient and affordable way to buy business insurance. Purchase your insurance anytime, anywhere, with our easy-to-use online platform. Compare rates across leading insurance companies to ensure you get the best price on your premium. We use data and analytics to identify the right insurance policies for your business. Get a Free Quote Now Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: An employee consistently steals small amounts of money from a cash register or company safe for three months. By the time you discover the missing money, you’re out $1,200. Outcome: Your commercial crime insurance may cover the cost to replace the stolen funds. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: An employee lifts a cheque from your office for $700 made payable to your business, commits forgery, makes it payable to themselves, and cashes it through their own bank account. Outcome: Your commercial crime insurance may cover the loss resulting from the forgery. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: Your business accepts a money order from a customer to pay for the goods you sold to them. Although it looked legitimate, it was later proven to be counterfeit. Outcome: Your commercial crime insurance may pay to... --- ### Home Health Care Agency Insurance > At Zensurance we simplify the process of getting business insurance for home health care agencies. Get a free quote online, it's quick & easy! - Published: 2022-04-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/home-health-care-agency-insurance Home Health Care Business Insurance Home health care liability insurance is necessary to protect you and your healthcare workers from alleged negligence and third-party injury claims. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/04/Healthcare-Provider. svg https://www. zensurance. com/wp-content/uploads/2022/08/Home-Care-Provider. svgInsurance for home care agenciesHome health care agencies go out of their way to look after the well-being of others. However, even with the best of intentions, there’s always a risk that an action could have consequences. Perhaps a worker forgets to give a patient their daily medication, or they happen to break an expensive ornament during a house cleaning. There are many scenarios where your business could be liable for an expensive claim. Thankfully, with the right insurance coverage, you can focus on looking after your patients without the worry of an expensive lawsuit affecting your business. Home health care business insurance is a specialized liability insurance package that protects home health care agencies and their staff members against common claims such as liable events or allegations, or damage to business property. Insurance for home health care businesses is a combination of several coverages that make up a comprehensive policy package. The insurance policy will cover your business for general risks (e. g. , a slip-and-fall accident you’re liable for) to specialized risks based on your services (e. g. , allegations of malpractice from a patient). Here are the recommended coverages for home health care agencies: Medical malpractice insurance: In your industry, the most important coverage is medical malpractice insurance. This is a... --- ### Recruitment and Staffing Agency Insurance > Get a custom Recruitment and Staffing business insurance quote. Protect your agency from errors and omissions, and third-party liability claims. - Published: 2022-04-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/recruitment-staffing-insurance Recruitment and Staffing Insurance Programs Recruitment, staffing, and employment assistance agencies require a comprehensive liability policy to protect against allegations and claims of wrongdoing and other exposures. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/04/Recruiter. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Staffing-Professional. svgBusiness insurance for recruiters and staffing agenciesRecruitment and staffing agencies fulfill a valuable role by finding talented, experienced professionals to place with their client firms. However, sourcing high-quality candidates to fill demanding career positions with a variety of organizations comes with significant risks. For example, if your agency recommends an individual to a client who fails to live up to expectations because they lack the necessary skills and experience, your agency may be at risk of misrepresenting that individual to your client. Or if a candidate you placed at an organization is suddenly let go and files a wrongful dismissal lawsuit against your client, they could also name your recruitment and staffing agency in that suit. A recruitment and staffing business insurance policy can help protect your agency from these and other types of risks. Recruitment and staffing business insurance is a policy that is tailored to suit your agency’s specific needs. A comprehensive policy of this kind features several coverages that are designed to protect your business’s assets. Moreover, recruitment and employment agencies are one of the many types of businesses that may be required to carry professional liability insurance to operate legally in the province they provide their services. A comprehensive recruitment and staffing agency insurance policy typically includes the following coverages:... --- ### Contractor Insurance Alberta > Alberta contractors insurance starting at $19 per month. Get comprehensive coverage for your specific trade with Zensurance. - Published: 2022-03-31 - Modified: 2024-11-08 - URL: https://www.zensurance.com/alberta-business-liability-insurance/contractor Contractor Insurance AlbertaIndependent contractors, subcontractors, and small business owners in Alberta need to protect themselves from the financial fallout of third-party liability claims and accidents. Get a customized insurance policy and protect your business. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/03/Alberta-Contractor. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Alberta-Contractor. svgInsurance for Alberta contractorsFrom Lethbridge to Calgary, Edmonton to Fort McMurray, Grand Prairie to Banff, no matter where in Wild Rose Country you work, contractors and professional tradespeople across Alberta have built the province up to what it is today. They ensure the buildings, homes, and infrastructure in cities, towns, and rural regions throughout Alberta is world-class. They plan, manage, construct, monitor, and coordinate all aspects of construction for every project they are entrusted to complete. With all that responsibility comes significant risks that contractors and self-employed tradespeople need to address with a customized contractors’ insurance policy. Whether constructing a new residential community, paving a highway, installing plumbing pipes in a new high-rise condominium, or rewiring an electrical circuit board, the risk of errors, accidents, or unexpected events like the impacts of severe weather is always present. Contractors’ insurance that is tailored to address the unique needs you face is the backbone of your risk management strategy, and the safety net all professional tradespeople require should something go wrong, or if you are accused by a client of wrongdoing. A customized contractors’ insurance policy is designed to provide you with financial support if you suffer loss or damage from an insured risk, or are named in a... --- ### Red Deer Business Liability Insurance > At Zensurance we simplify the process of getting small business insurance in Red Deer. Get a free quote, it's quick and easy! - Published: 2022-03-30 - Modified: 2024-04-23 - URL: https://www.zensurance.com/red-deer-business-liability-insurance Business Insurance Red Deer Protect your business with tailored commercial insurance coverage. Get a free business liability insurance quote. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/03/Red-Deer-Business-Owner. svg Partnerships with over 50 leading Canadian insurance providers https://www. zensurance. com/wp-content/uploads/2019/06/chubb-small-business-insurance. svghttps://www. zensurance. com/wp-content/uploads/2019/06/beazley-commercial-insurance-canada. svghttps://www. zensurance. com/wp-content/uploads/2019/06/portage-mutual-insurance-for-small-business. svghttps://www. zensurance. com/wp-content/uploads/2019/07/Lloyds_of_London_logo. svghttps://www. zensurance. com/wp-content/uploads/2019/06/travelers-logo. svg Commercial insurance tailored for your business Regardless of the type of small business you own, what industry your business is in, or what products and services you provide, all small businesses in Red Deer need a comprehensive insurance policy to protect them against the threat of third-party lawsuits and unexpected incidents.  Your business is unique. That means you need a customized insurance policy that reflects and protects your unique needs. Explore your options by filling out an online application to get a free business insurance quote, and let our licensed brokers help you get the coverage you require to protect your assets. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does business liability insurance cover? Business Insurance is an umbrella term to refer to commercial general liability insurance and all the business insurance sub-types. Explore the following insurance policies for specific coverage information:​ Commercial General Liability Insurance (CGL) Professional Liability Insurance (also known as Errors and Omissions) Commercial Property Insurance Commercial Auto Insurance Cyber Insurance Directors and Officers Insurance Product Liability Insurance Special Event Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs business liability insurance? Many of the businesses in Red Deer are classified as small businesses, and they are especially susceptible to... --- ### Nail Technician Insurance > Specialized liability insurance designed to protect nail technicians and nail salons against their specific risks services. Get a free quote! - Published: 2022-03-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/beauty-insurance/nail-technician Nail Technician Insurance Business insurance for nailsalons and nail technicians. Protect yourself against potential liabilities such as malpractice, third-party injuries and property damage. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/03/Nail-Tech. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Nail-Salon. svgInsurance for nail techs and nail salonsNail salons aren’t dangerous places (after all, people go for a relaxing time! ).  However, there are always risks regardless of the level of protection you have in place. For example, nail salons have access to dangerous chemicals – these can cause allergic reactions and other injuries for which you could be liable. Additionally, almost every business can be liable for common risks such as a slip-and-fall on their property. To safeguard your nail salon and focus on what’s important to you, make sure you have a sufficient insurance policy. Looking for more information about nail technician insurance? Find out all the answers to your questions below. Nail technician insurance combines several commercial insurance policies to create the right protection required for nail salon owners, nail technicians, and self-employed nail professionals. Coverage will vary depending on your business needs, but the following policies are commonly included for nail technicians: Professional Liability Insurance: Sometimes called errors and omissions (E&O) insurance, professional liability covers you against allegations that you (or a full-time employee) were professionally negligent while providing a service. For example, a client alleges that one of your full-time nail technicians was too rough when providing a manicure, causing painful damage to their nail beds. Should they sue, professional liability insurance can cover legal defence fees and the... --- ### Bike Shop Insurance > Get a customized business insurance policy to protect your bike shop. Get a free quote today! - Published: 2022-03-21 - Modified: 2024-08-27 - URL: https://www.zensurance.com/bike-shop-insurance Bike Shop Insurance Gearing up to run a bike shop? Whether you're selling bicycles, scooters or e-bikes, protect your store from potential risks with a comprehensive business insurance policy. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/08/Bike-Shop-Insurance-1. svghttps://www. zensurance. com/wp-content/uploads/2022/03/Bike-Shop-Owner. svgInsurance for bike shop ownersBike shop owners offer products and services to cycling enthusiasts from selling and repairing a diverse range of bicycles, e-bikes, and electric scooters, to providing spare replacement parts, tools, clothing, and other accessories. Some bike shops may also provide specialized services such as mountain biking tours and bicycle racing. Regardless of the types of products and services your bike shop provides, independent bike dealers need to protect their businesses with a customized bike business insurance policy. Like all small business owners, bike shop owners know they need a customized insurance policy to protect their businesses from both unexpected events such as severe weather or a fire and the risk of being named in a third-party bodily injury or property damage lawsuit. Bike shop insurance is the reliable safeguard you need to protect your business and finances. It’s an affordable solution for protecting your company, employees, inventory, and customers. A comprehensive bike insurance policy may include several types of coverages, including: Commercial General Liability (CGL) Insurance: CGL protects your business in its day-to-day activities. Frequently referred to as ‘slip-and-fall’ insurance, CGL protects you against third-party bodily injury or property damage claims. For instance, if a customer visiting your bike store trips, falls, and injures a wrist, CGL may pay... --- ### Microblading Insurance > Microblading insurance is a specialized policy designed to protect permanent makeup professionals against their specific risks services. - Published: 2022-03-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/microblading-insurance Microblading Insurance Microblading insurance is designed to protect microblading professionals from potential risks and accidents. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/03/Microblading-Technician. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Makeup-Artist. svgInsurance for microblading professionalsThe microblading process involves creating tiny cuts for the pigment to permeate into the top layers of skin. While it’s a relatively safe procedure, there are particular liabilities you can face as a professional, such as a client having a bad reaction to the pigment. Additionally, many microblading clinics can offer other treatments such as waxing, laser hair removal, and lash extensions, which all have their own unique risks to consider. It’s important to protect yourself, your clients, and your business with an insurance policy that’s built around your business and the services you offer. Microblading insurance (also known as permanent makeup insurance) is the combination of coverages, packaged up into one insurance policy that’s right for your business. It generally covers you for events you may be liable for, such as third-party bodily injury and property damage, as well as providing protection for your own property in the case of specific insured events. Typically, you can expect microblading insurance to include the following coverages: Professional Liability Insurance: Also known as errors and omissions (E&O) insurance, this coverage provides protection for allegations of professional misconduct, negligence, or failure to deliver a service as advertised. As a professional, a client relies on your knowledge and actions – they can sue you if they don’t receive the expected results. For example, after a microblading session, a... --- ### Bookkeeper Insurance > Bookkeeper Insurance is a policy designed to protect bookkeeping professionals against their specific risks services, such as negligence or errors & omissions. - Published: 2022-03-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/bookkeeper-insurance Bookkeeping Insurance If you offer bookkeeping services, protect yourself against claims related to your professional activities with bookkeeper insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/03/Bookkeeper. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Bookkeeping. svgInsurance for bookkeepersBookkeeping is a vital function for all small business owners. Their roles carry several mission-critical responsibilities, from accurately classifying and identifying transactions to managing client billing, paying vendors, a business’s payroll, and preparing internal management reports. With no room for errors, getting a bookkeeper insurance policy in place can protect their business if something goes wrong. Bookkeeper insurance is a policy package designed to protect bookkeeping professionals against the specific risks of providing financial services, such as negligence or errors and omissions. Mistakes can happen and disrupt your business in a matter of minutes. We know what makes your business unique; leave it to us to find the best fit for youA comprehensive bookkeeper insurance policy typically includes the following types of coverages: Errors and Omissions (E&O) Insurance: E&O insurance, or professional liability insurance, is a must-have for bookkeepers. It is designed to protect bookkeepers from liabilities incurred if you make a mistake or are accused of negligence by one of your clients. E&O coverage covers economic losses suffered by your clients, as well as the outcome of lawsuits alleging errors, omissions, misconduct, negligence, and failure to deliver a service as promised. Commercial General Liability (CGL) Insurance: CGL is designed to protect you and your business from third-party claims alleging bodily injury and property damage, such as an accident on... --- ### Summer Camp Insurance > At Zensurance we simplify the process of getting summer camp insurance. Get a free quote, it's quick & easy! - Published: 2022-03-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/summer-camp-insurance Summer Camp Insurance If you're operating a kids' day camp or summer camp, protect yourself from liability claims alleging third-party bodily injury or property damage. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/03/Summer-Camp-Instructor. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Summer-Camp. svgInsurance for summer camps and day campsSummer camps are a great opportunity for kids of all ages to learn new skills, get reacquainted with nature, find some new friends and ultimately make lifelong memories. Parents and guardians put their trust in the hands of camp facilitators to ensure their child is well taken care of and kept safe. However, due to summer camp activities, injuries can happen regardless of the level of care taken. Additionally, campgrounds can face severe summer weather, which can cause expensive damage to buildings and contents. Savour the good times that take place at your summer camp with insurance that protects you against the risks. Summer camp insurance is designed to protect your business from the costs of the unexpected and liable events you could face, such as costs associated with damages to your property or allegations of third-party bodily injury or property damage. Summer camp insurance is a group of policies that are combined to give you comprehensive coverage. Your insurance policy can be built around the specific needs of your summer camp (based on your services and facilities and the events you host). Here are the common coverage summer camps have within their insurance policies: Commercial General Liability (CGL) Insurance: Commercial general liability insurance, sometimes known as “slip-and-fall insurance”, can... --- ### Writers and Authors Insurance > At Zensurance we simplify the process of getting liability insurance for freelance writers and authors. Get a free quote today! - Published: 2022-03-01 - Modified: 2023-03-22 - URL: https://www.zensurance.com/writer-and-author-insurance Writers and Authors InsuranceProfessional freelance writers and authors need liability insurance for protection against allegations of negligence, copyright infringement, and more.  Protect your business with a customized writers insurance policy. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/03/Writer. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Copywriter. svgLiability Insurance for writers and authorsFreelance writers and authors are professional writers who work as independent contractors providing a broad range of writing services on multiple topics to different clients across a variety of industries. However, as an independent, self-employed writer or author, your work is not covered by the insurance policies of your clients. That leaves freelance writers exposed to many liability risks. A customized freelance writer and author insurance policy provides you with the protection you need from the risk of third-party errors and omissions (E&O) lawsuits alleging wrongdoing. Professional liability insurance for authors and freelance writers provides coverage for claims or allegations of errors and omissions, libel, slander, copyright infringement, and defamation. It is designed to protect you should a lawsuit be initiated against you even if that lawsuit is frivolous. Insurance for freelance writers and authors covers a broad range of liability risks facing all kinds of professional writers. A comprehensive insurance policy may include the following types of coverages: Professional Liability Insurance: Also referred to as professional indemnity insurance, professional liability insurance provides you with financial protection from claims alleging negligence, misconduct, or failing to provide a service as promised. It also provides media and advertising coverage if your media services result in one of your... --- ### Graphic Designer Insurance > At Zensurance we simplify the process of getting liability insurance for graphic designers. Get a free quote, it's quick & easy! - Published: 2022-02-28 - Modified: 2022-10-17 - URL: https://www.zensurance.com/graphic-designer-insurance Graphic Design Insurance Whether you own a graphic design business or you’re a freelance designer, you should protect yourself and your work. Get a free graphic designer liability insurance quote. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/02/Graphic-Designer. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Graphic-Designer. svgLiability insurance for graphic designersAs a graphic designer, you help other businesses stand out from the crowd and captivate their audience with your creative know-how. You may work as a freelancer, offering your services on a per-project basis, or you may run your own graphic design business, with employees working for you. However you provide graphic design work, it’s important to remember your clients rely on your expertise. A simple oversight or a bad decision could affect the quality of your product, and ultimately, it could impact the relationship with your client. Additionally, you can be liable for things beyond your control, such as damaging a client’s property while you’re working at their location, for example. A liability insurance policy that’s built around your graphic design business will give you peace of mind, so you can focus on doing what you love. A graphic designer insurance policy is designed to protect those who run a graphic design business or freelance designers that typically work on a per-project basis. A business insurance policy built specifically for the needs of graphic designers can protect against risks you face, such as being liable for third-party property damage or bodily injury, or allegations of negligence in your service. Graphic design policies are a combination of... --- ### Tree Removal Insurance > Get a customized arborist liability insurance policy to protect your tree removal business. Get a free online quote today! - Published: 2022-02-17 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/tree-removal Tree Removal Insurance Whether you run a large tree service company or are an independent arborist, it’s critical to protect your business with insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/02/Arborist. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Tree-Removal-Specialsit. svgInsurance for arboristsFor arborists and tree removal companies, your customers rely on you to help them cultivate a wide range of trees, shrubs, and plants. They also often call upon you to remove a tree from their property, which is risky work. Someone could get injured by a falling branch, or a home or vehicle could be damaged by a tree that is being removed. Having a specialized arborist tree removal insurance coverage is necessary for protecting your company, employees, and customers. Tree removal insurance (arborist insurance) is a customized liability policy designed for tree removal businesses and contractors that provides financial coverage for third-party injuries, property damage, accidents, or unexpected events. As an arborist, your work requires physically demanding labour in different weather conditions. Therefore, it is important to have insurance coverage specifically designed for the risks you encounter and the equipment you own. A comprehensive tree removal insurance policy typically includes:  Commercial General Liability (CGL) Insurance: CGL provides you with financial support for third-party claims or lawsuits related to bodily injury or property damage. It covers the costs of injuries or damages to a third party resulting from your company’s daily operations. It also provides you with support for your legal defence if you are sued. Tools and Equipment Insurance: Without tools and equipment, it’s... --- ### Non-Profit Insurance > At Zensurance we simplify the process of getting insurance for non-profits and charities. Get a free insurance quote, it's quick & easy! - Published: 2022-02-16 - Modified: 2024-04-23 - URL: https://www.zensurance.com/non-profit-insurance Non-Profit Insurance Protect your non-profit organization against claims of negligence, errors, or omissions with a tailored liability insurance policy. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/02/Non-Profit-Member. svghttps://www. zensurance. com/wp-content/uploads/2022/08/NPO-Organizer. svgInsurance for non-profit and charitiesNon-profits are known for being advocates for helping great causes. Their charitable work is appreciated by the communities they serve, and the impact of their service is felt far beyond their locality. However, non-profit organizations and charities are not immune to potential claims or lawsuits despite their good intentions. These organizations can be susceptible to similar risks that for-profit businesses may face, such as third-party bodily injury or property damage and even allegations of negligence in their professional services. Non-profit insurance is a combination of various commercial insurance policies that are packaged together specifically for the needs of charities and other non-profit organizations. This insurance can financially cover the organization for liable events and damage to owned property. A non-profit insurance policy can be customized to suit an organization’s particular needs. However, in most non-profit policies, you can expect the following coverages: Commercial general liability (CGL) insurance: Any business or non-profit organization can be held liable for accidents or events that can happen in the day-to-day running of a business. Consider a third party that slips and hurts themselves during a charity event you’re hosting. In this case, you could be held liable for their related medical bills. If you have a CGL policy, you may be financially covered for those bills. With CGL, you can also be... --- ### Spa Insurance > Get a comprehensive spa liability insurance policy to protect yourself and your business. Get a free online quote, it's quick and easy! - Published: 2022-02-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/spa-insurance Spa Liability Insurance Get a custom spa insurance policy designed to protect your business from its unique risks. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/02/Spa-Business-Owner. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Spa-Business-Owner. svgInsurance for spasAs a spa owner or professional working in one, you specialize in helping your customers look and feel their best through the treatments you provide.  While you take pride and care in the services you provide, the possibility of an accident or error that injures one of your customers is a reality. Should that happen, and one of your customers decides to sue you for damages, the reputational damage you may suffer and the cost could spell the end of your business without a spa insurance policy. Spa insurance is a customized policy for business owners and spa professionals to protect them from the risks associated with the services they provide to their customers. As with any business serving clients, there is always the potential for an accident or mistake being made. For spas and the types of treatments they provide, those risks are doubled. Spa insurance includes several coverages that are combined to provide a complete package. Typically, spa insurance includes the following coverages: Professional Liability Insurance: Also known as errors and omissions (E&O) insurance or malpractice insurance, professional liability coverage safeguards you from allegations of misconduct, negligence, or failure to deliver a service as advertised. If one of your customers claims your professional advice or service to them was wrong and they suffer a loss or damage, they could... --- ### Construction Insurance > Get a customized construction liability insurance policy to protect your constrution business. Get a free quote today! - Published: 2022-02-14 - Modified: 2024-06-10 - URL: https://www.zensurance.com/construction-insurance Construction Liability Insurance Protect your construction business and your assets with a comprehensive construction insurance policy.   Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/02/Construction-Contractor. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Independent-Construction. svgInsurance for construction companiesConstruction is a complex business with many working professionals, tools, and technology used for multiple types of building projects. There are inherent dangers associated with the work you do.  Getting a tailored construction insurance policy can protect your business, tools and equipment, and the projects you are working on from the cost of damage or loss resulting from matters beyond your control. That includes coverage for an unexpected accident or damages and losses suffered because of severe weather during construction. Construction liability insurance is a policy custom designed for construction contractors to protect them against specific risks they may encounter, such as third-party injuries and property damage. Mistakes can happen, and potential lawsuits against your business can leave your operations damaged beyond repair. As a construction company or contractor, your projects could range from building a townhouse to repairing a major highway. It is essential to have insurance coverage specifically designed for the risks you encounter and the equipment you own. A comprehensive construction liability insurance package will typically include the following: Commercial General Liability (CGL) Insurance: A must-have for all kinds of businesses, CGL, also known as general liability insurance, protects your business from third-party bodily injury and property damage claims. It is designed to cover legal, medical, and repair or replacement costs for third-party injuries or damages that occur... --- ### DCN > Zensurance and Daily Commercial News have partnered to offer savings on business insurance packages. Get a free quote today! - Published: 2022-02-08 - Modified: 2022-10-27 - URL: https://www.zensurance.com/dcn https://www. zensurance. com/wp-content/uploads/2022/02/DCN-Logo. png Daily Commercial News (DCN) and Zensurance have partnered to help you save on a tailored business insurance policy. Our insurance packages are specially designed for contractors and construction companies at any stage to ensure you get the coverage you need. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/General-Contactor. svg Free legal advice session from Goodlawyer includedDCN readers will also receive a free legal advice session from Goodlawyer when they click below and get a quote! The Goodlawyer promo code will be sent by email in batches toDCN readersafter completing a quote. (No purchase necessary)Have questions? Please contact: trevor@zensurance. comLiability insurance for contractorsGeneral contracting companies vary significantly in size and area of expertise. Despite the pandemic's initial impacts, the recent rise in demand for contracting services due in part to theresidential renovations boomsuggests the industry is expected to make a positive recovery. As a contractor, managing risk is inherent to your business, so it only makes sense that you have a robust risk management strategy in place for yours. At Zensurance, we know what makes your business unique. With over 50 insurance partners, we've helped thousands of contractors protect their businesses with flexible insurance policies customized to meet their specific needs.  Our mission is to make insurance as accessible as possible. We wrote this guide to help you navigate the basics of contractor liability insurance for your business. What is contractor insurance? Comprehensive coverage that can withstand multiple projects, managing employees, and general business liability risks is critical to... --- ### Vacant Property Insurance > At Zensurance we simplify the process of getting vacant property insurance for your business. Get a free quote, it's quick & easy! - Published: 2022-02-07 - Modified: 2024-04-23 - URL: https://www.zensurance.com/vacant-property-insurance Vacant Property Insurance Leaving your commercial property dormant still carries the same risks. Get a custom vacant property insurance to protect your assets. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/02/Vacant-Property-Owner. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Commercial-Property. svgWhat is vacant property insurance? Vacant property insurance for small businesses is designed to protect commercial properties such as retail stores, restaurants, warehouses, offices, land, and other business workplaces from financial losses or damages that occur while they are unoccupied or vacant for an extended period. Any commercial property owner whose building is vacant needs a vacant property insurance policy. That’s because your existing commercial property insurance may exclude coverage for vacant business property, exposing a gap that leaves you at risk. A vacant property policy fills that gap by providing protection from liabilities like if someone is injured on your vacant property and sues you for bodily injury. There may be several reasons a business or residential property is left vacant, such as: If you have shut down your place of business because of a government-ordered public health mandate and you and your employees are working remotely If you own the commercial or residential property and are selling it If you own the commercial or residential property but it is vacant while you find a tenant for it If you are filing for bankruptcy and the business is closed to the public If there is construction taking place or the property is uninhabitable Some insurance companies may consider your commercial space as vacant after only four days,... --- ### Interior Designer Insurance > At Zensurance we simplify the process of getting interior designer insurance. Get a free quote, it's quick and easy! - Published: 2022-02-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/interior-designer-insurance Interior Designer Insurance Protect your professional interior design services against claims of negligence, errors, or omissions with interior designer insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/02/Interior-Designer. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Interior-Design. svgInsurance for interior designersInterior designers can create a visual and functional masterpiece for even the most basic rooms with a keen eye for complementary colours and styles. Homeowners and business owners trust interior designers to transform their spaces beautifully. However, there’s always a risk of something going wrong in any occupation, such as a liable slip-and-fall accident or a professional error at a client’s expense. It’s important to be protected against the risks of the job. We’re providing this guide to help you get started with the basics of interior designer insurance. Interior designer insurance describes a combination of liability insurance policies that cover the risks specific to those encountered by interior designers and those with similar careers. Whether you provide your services to individuals or businesses, interior designer insurance may provide significant financial protection should you be liable for a third-party loss or be accused of negligence. An interior designer liability insurance policy is customizable based on your needs, but it will normally include the following coverages: Commercial general liability (CGL) insurance: Most occupations – including interior design – come with common risks for which you can be held liable. These risks can occur within your property (your office space) or your client’s property.   CGL insurance protects you from claims where you’re responsible for the bodily injury or property... --- ### Church Insurance > At Zensurance we simplify the process of getting liability insurance for churches. Get a free quote, it's quick & easy! - Published: 2022-02-03 - Modified: 2024-04-23 - URL: https://www.zensurance.com/church-insurance Place of Worship Insurance Churches, temples, synagogues, and other places of worship need a customized liability insurance policy to protect them and their congregations from accidents and unexpected events. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/02/Church-Property-Owner. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Church. svgInsurance for Church, Synagogue, Mosque and Place of WorshipAll houses of worship – churches, temples, synagogues, mosques, and chapels – require church insurance to cover the costs associated with the variety of risks they face. From worship services and rental hall operations for weddings to community-related programs for youth, the elderly, and disabled, to crime-related exposures resulting from expensive audio systems and musical instruments, ornate woodwork, and stained-glass windows, the variety of exposures places of worship face are not restricted to Sunday services. For instance, if an unexpected event like a fire or vandalism should damage your place of worship or one of your parish members slips, falls, and is injured on your property, they could sue you for third-party bodily injuries. Church insurance coverage can keep your property and its contents safe. Without it, damages or losses can prove to be financially devastating, especially if an accident or incident on the property escalates to a third-party lawsuit. Church insurance is a comprehensive policy designed specifically to meet the needs of urban and rural ministries across Canada. It protects churches from financial losses for events or occurrences on their properties and contents. Like other liability insurance policies such as commercial property insurance, church insurance is customized to suit your religious organization’s specific... --- ### Barber Insurance > Get a barber liability insurance policy to protect your barbershop. Get a free quote today! - Published: 2022-02-02 - Modified: 2023-03-30 - URL: https://www.zensurance.com/barber-insurance Barber Insurance Whether you operate a barbershop or you’re a self-employed barber, protect yourself against potential liabilities with barber's liability insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/03/Barber. svg https://www. zensurance. com/wp-content/uploads/2022/02/Barber. svgInsurance for barbershopsA barbershop visit can be a transformative experience, whether the appointment is simply for a monthly buzzcut or a complete makeover that includes a traditional shave and wax. As a barber, you pride yourself on giving your clients the hair revival they’re looking for while ensuring they’re in safe and reliable hands. However, accidents can happen within your business, and they may be beyond your control, even if you’ve taken every precaution to safeguard your location. That’s why it’s important to protect yourself, your clients, and your business with the right barbershop coverage. Barber insurance is what you need to protect your business from the general liabilities of running a barbershop or performing services as a freelance barber. You can be covered for general risks (such as a slip-and-fall in your shop) and more specific risks (like being sued for injuring a client during their haircut). Barber insurance combines several commercial policies to protect your business from events you may be liable for and protect you against specific damage that can occur to your business property. Here are the common coverages included in a barber insurance policy: Professional liability insurance: For claims that are specific to your professional service, professional liability insurance is the coverage you’ll need. Also known as errors and omissions (E&O) insurance, professional liability... --- ### Tattoo Shop Insurance > At Zensurance we simplify the process of getting insurance for tattoo parlours and tattoo artists. Get a free quote, it's quick & easy! - Published: 2022-02-01 - Modified: 2023-03-29 - URL: https://www.zensurance.com/tattoo-shop-insurance Tattoo Liability Insurance No matter the type of body art services offered, all tattoo parlours and artists should protect themselves with tattoo liability insurance coverage. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/02/Tattoo-f. svghttps://www. zensurance. com/wp-content/uploads/2022/02/Tattoo-Artist. svgInsurance for tattoo artists and studiosAs with any occupation, there is always a chance something could go wrong. We’ve all heard of one or two tattoo mishaps, and some stories even make it into the news. While you can take all the precautions to provide a safe environment for your customers, there’s a risk that an unhappy customer could sue you for a tattoo that they feel doesn’t meet the standard you advertised. Claims can add up and put you out of business if you don’t protect yourself with insurance. At Zensurance, we want to ensure you have “no regrets” when running your tattoo business. We’re here to help you understand the basics of tattoo insurance and how it can protect you from financial loss. Tattoo liability insurance is a combination of insurance policies that can cover you financially from the risks that may occur when running a tattoo business. Whether you run a tattoo parlour or are a freelancing tattoo artist, you should have tattoo insurance to cover your business and reputation against liable acts and accidents. Tattoo insurance policies offer coverage specific to your needs. However, typically, you can expect the following coverage to be a part of your policy: Professional liability insurance: This coverage, also known as errors and omissions insurance (E&O), protects... --- ### Garage Liability Insurance > Get a customized garage liability insurance policy to protect your automotive business. Get a free quote today! - Published: 2022-01-27 - Modified: 2022-10-17 - URL: https://www.zensurance.com/garage-liability-insurance Garage Liability Insurance Automotive businesses of all kinds need a customized garage liability insurance policy to protect them from the unique risks they face. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/01/Garage-Shop-Owner. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Garage-Owner. svgGarage insurance for automotive businessesAutomotive garage owners and repair shops keep our vehicles humming and roadworthy. As the vehicles we drive become more advanced and increasingly feature technologies that keep us safe and extend the life of the cars, trucks, and other vehicles, garage owners shoulder a heavy responsibility to protect the vehicles under their care and control. More than 100,000 Canadian entrepreneurs and small business owners trust Zensurance to help them protect their businesses with customized insurance policies designed to cover their needs. Garage liability insurance is a bundle of insurance coverages designed specifically for all kinds of automotive businesses. It is an umbrella policy for businesses in the automotive industry that covers their daily operations and protects business owners and their employees from the risks they face. Without it, one third-party lawsuit against you could bankrupt your business and ruin your professional reputation. There are several types of coverages that are designed based on the type of automotive business you run. The types of policies in a garage liability policy usually include: Garage Liability Insurance: You know covering the customer vehicles in your care is essential. Garage liability coverage does precisely that. It protects your business while they are under care, custody, and control of your client’s vehicles. Whether those vehicles are being worked on... --- ### Tax Preparer Insurance > Errors and omissions insurance coverage for tax preparers. Protect yourself today by getting a free quote. It's quick & easy! - Published: 2022-01-25 - Modified: 2022-10-17 - URL: https://www.zensurance.com/tax-preparer-insurance Tax Preparer Insurance Handling confidential financial documents and providing advice is your specialty. Protect your business and reputation with a customized insurance policy for tax preparers. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/01/Tax-Preparer. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Tax-Preparation. svgInsurance for tax preparersYou spend hours and days scrutinizing and examining your clients’ financial statements and documents while working within Canadian tax laws and regulations to help them understand their obligations and find ways for them to save money. It’s a heady responsibility and one that comes with significant peril if you make a mistake. A comprehensive tax preparer insurance policy can help shield you and your business from the cost of a third-party lawsuit. Tax preparer insurance is a uniquely designed errors and omission policy package protecting tax professionals from third-party lawsuits, claims, and any financial damages arising from an alleged error you may have made. If you make a mistake on one of your client’s tax returns and your client loses money, miss a critical deadline, or fail to adhere to Canadian tax codes, you may be subject to an expensive third-party lawsuit or regulatory discipline. Reduce the stress and financial uncertainty related to your work and get the tax liability insurance policy you need. A tailored tax preparer insurance policy features different types of coverages depending on your needs, including: Errors and Omissions (E&O) Insurance: Also called professional liability insurance, E&O coverage shelters tax preparers from legal costs and damages related to any allegations of financial loss because of your work, negligence,... --- ### Carpenter Insurance > At Zensurance we simplify the process of getting Carpenter's Insurance. Get a free quote, it's quick and easy! - Published: 2022-01-24 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/carpenter Carpenter Insurance Whether you are an independent contractor or run a large carpentry business, it’s critical to protect your company with carpenter insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2020/07/Tree-Removal-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Carpenter. svgInsurance for carpentersWith nimble and proficient woodworking skills, carpenters help create the structural integrity of our homes and many other buildings. Carpenters also spend time within the buildings; their trade help to build, install cabinets countertops, and create built-in shelving. Carpentry jobs big and small require a steady hand, trade knowledge, and a risk management strategy. When your skill is relied upon to build a safe structure, it’s essential to protect your business against the risks you could be held liable for should something go wrong. Carpenter Insurance is a combination of insurance policies designed to protect carpenters financially against the specific risks and liabilities associated with working on a residential or commercial job site. Generally speaking, a comprehensive carpenter insurance policy will typically include the following coverages: Commercial general liability insurance (CGL): CGL coverage protects you from day-to-day liabilities you could be responsible for when working in places such as on a job site, in somebody’s home or a commercial environment. Common claims include a third-party slip-and-fall incident, bodily injury or property damage. Say a client trips over your misplaced toolbox that’s left in a dark corner of their unfinished home – you could be liable for their injuries. CGL coverage could provide financial coverage for their medical bills and related costs. Tools and equipment insurance: This... --- ### Partner - ClickShip > Zensurance and ClickShip have partnered to offer their customers savings on business insurance packages. - Published: 2022-01-21 - Modified: 2022-10-31 - URL: https://www.zensurance.com/freightcom-clickship https://www. zensurance. com/wp-content/uploads/2022/10/ClickShip-by-Freightcom. png Welcome, ClickShip Customers! ClickShip and Zensurance have partnered to help you save up to 35% off the competition on Amazon and ecommerce seller insurance. Our policies are specially designed for e-commerce sellers and meet Amazon seller requirements at any stage of your business and across 100s of products. Trusted by over 150,000 Canadian small business owners! Save up to 35% on your insurance Instant price and coverage in just a few clicks! Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/E-commerce-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/10/ClickShip-by-Freightcom. png Welcome, ClickShip Customers! ClickShip and Zensurance have partnered to help you save up to 35% off the competition on Amazon and ecommerce seller insurance. Our policies are specially designed for e-commerce sellers and meet Amazon seller requirements at any stage of your business and across 100s of products. Trusted by over 150,000 Canadian small business owners! Save up to 35% on your insurance Instant price and coverage in just a few clicks! Get a Free Quote Why Choose Zensurance? We help Canadian small business owners save time and money by providing a convenient and affordable way to buy business insurance. Purchase your insurance anytime, anywhere, with our easy-to-use online platform. Compare rates across leading insurance companies to ensure you get the best price on your premium. We use data and analytics to identify the right insurance policies for your business. Get a Free Quote Nowhttps://www. zensurance. com/wp-content/uploads/2022/08/Online-Business-Owner. svgInsurance for e-commerceAs an online retailer, you have the unique opportunity to share your passion with customers... --- ### Partner - Spott > Zensurance and Spott have partnered to offer Spott sellers savings on business insurance packages. - Published: 2022-01-21 - Modified: 2023-06-02 - URL: https://www.zensurance.com/spott https://www. zensurance. com/wp-content/uploads/2022/01/Spott-Logo. svg Welcome, Spott Sellers! Spott and Zensurance have partnered to help you save on a tailored business insurance package. Our products are specially designed for e-commerce sellers at any stage across 100s of industries to ensure you get the coverage you need. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Amazon-Seller. svg Product liability insurance for Amazon sellers Whether you use Fulfillment by Amazon (FBA) or Fulfillment by Merchant (FBM) to deliver your products to customers, Amazon requires all sellers to carry insurance. Product liability insurance is designed for any business that sells, manufactures, or distributes a product to consumers. It is essential coverage for online retailers, e-commerce businesses, and brick-and-mortar stores because it protects against claims alleging third-party property damage or bodily injury caused to the buyer by any product you sell, manufacture, or distribute. Get a Free Quote Do I need insurance to sell on Amazon? Yes.   As ofSeptember 1, 2021, Amazon requires all sellers to carry liability insurance who earn more than $10,000 in monthly sales. Amazon seller insurance from Zensurance helps Canadian retailers meet Amazon's insurance requirements, including: A policy with a limit of at least $1 million per occurrence and in aggregate covers liabilities caused by or occurring in conjunction with your business operations, including products, property damage, and bodily injury. The insurance policy type can be either commercial general liability, umbrella, or excess liability and be occurrence-based. Whether your business is a private label seller, wholesaler, or retail shop that uses Amazon or... --- ### Canadaland > Zensurance and Canadaland have partnered to offer you savings on business insurance packages. Get a free quote today! - Published: 2022-01-11 - Modified: 2022-12-14 - URL: https://www.zensurance.com/canadaland https://www. zensurance. com/wp-content/uploads/2022/01/Canadaland-logo. png Welcome, Canadaland podcast listeners! Canadaland and Zensurance have partnered to help you save up to 35% off your business insurance quote. Our insurance coverages are specially designed for businesses at any stage across 100s of industries to ensure you get the coverage you need. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/12/Canadaland-Insurance-Program. svg Ready to start? Let’s get a quote! As a proud partner of Canadaland, let us help you find the best business insurance quote tailored for your business. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/Commercial-Liability-Insurance-Zen-Woman. svgGet a Free Quote --- ### Project Manager Insurance > At Zensurance we simplify the process of getting professional liability insurance for project managers. Get a free quote, it's quick & easy! - Published: 2021-12-22 - Modified: 2022-10-17 - URL: https://www.zensurance.com/project-manager-insurance Project Management Insurance Project managers can be held liable for errors or inaccurate advice that cause one of your customers to suffer a financial loss. Protect your finances and reputation with a comprehensive project manager insurance policy. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Project-Manager-1. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Project-Management. svgInsurance for project managersProject managers play a leading role in planning, executing, monitoring, and completing projects of all kinds across several industries. They are responsible for everything involved in a project, including the budget, team, and resources required throughout a project lifecycle. To be a successful project manager, you need a strategic mindset, team building and change management expertise, and effective communication skills. You also must protect yourself from the risks of third-party lawsuits if you’re held liable for errors or omissions, whether real or perceived, resulting from the services and advice you provide. Project manager insurance is a specialized professional liability policy designed to cover project management professionals and businesses if they cause or are alleged to have caused a financial loss to one of your customers. In general, project managers may face allegations of professional negligence, inaccurate advice, and loss of confidential documents or blueprints. A third-party lawsuit can cost you several thousands of dollars and severely damage your professional reputation. A customized project manager insurance policy covers your legal defence costs and any court-rendered settlement or judgment against you, whether the allegations you face are legitimate or not. Project management insurance is designed to cover the risks project managers are most... --- ### Health & Wellness Business Insurance > At Zensurance we simplify the process of getting Health & Wellness Business Insurance. Get a free quote, it's quick and easy! - Published: 2021-12-21 - Modified: 2024-04-23 - URL: https://www.zensurance.com/health-and-wellness-business-insurance Health & Wellness Business Insurance All health and wellness professionals should have the right insurance coverage, no matter how big or small your business is. Protect your practice today with free health and wellness business insurance quote. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Health-and-Wellness-Practitioner. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Health-Practitioner. svgInsurance for health and wellness businessHealth and wellness businesses help us all to improve our well-being in one way or another. From yoga studios to psychology clinics to massage therapy, it’s likely that most Canadians have utilized a service that has helped them improve their physical or mental health. While many of these businesses are gentle by nature, unfortunately, it doesn’t make them risk-free. Clients rely on the professional advice that is provided – should you make an error, you could be held liable, and this can be a costly mistake to make. Health and wellness insurance is crucial to keep your business safe from expensive professional liability claims. Health and wellness insurance protects wellness professionals from alleged negligence or malpractice lawsuits. Insurance also provides coverage for common risks such as a general liability claim or property damage to your location. Health and wellness insurance covers expenses that occur when something unexpected or accidental happens, such as a third-party injury on your premises or damage to your business assets. Here are the coverages that contribute to your policy: Commercial General Liability (CGL) Insurance: CGL provides financial coverage against common liability risks that can happen in any business setting, such as a slip-and-fall accident. For... --- ### Partner - Women Who Freelance > Zensurance and Women Who Freelance have partnered to offer members savings on business insurance packages. Get a free online quote today! - Published: 2021-12-16 - Modified: 2023-06-02 - URL: https://www.zensurance.com/women-who-freelance https://www. zensurance. com/wp-content/uploads/2021/12/WWF-Logo-1. png Welcome Women Who Freelance Members! Women Who Freelance and Zensurance have partnered to help you save on a tailored business insurance package. Our products are specially designed for businesses at any stage across 100s of industries to ensure you get the coverage you need. Get a Free Quote Insurance for freelancersAs a freelancer, you might be lucky enough to have the luxury of working on your own terms – choosing your schedule and working with the clients you want. Even if your business isn't quitethatsuccessful, freelancing likely gives you the ability to shape your workday. It's essential to recognize that an accident could happen despite the attention and control over your work, or you may find yourself being accused of negligence.  Whether you have a self-employed business or you're just making a little extra money from freelancing, it's vital to set yourself up for success – even if something should go wrong. An insurance policy built around your services will give you peace of mind, so you can continue doing what you love.   At Zensurance, we know your business is unique. We have over 50 Canadian insurance partners to find you the perfect policy. So far, we've helped more than 100,000 entrepreneurs protect their businesses with insurance policies customized to cover their specific risks. What is freelancer insurance? A freelance insurance policy is specifically designed for self-employed freelancers across a variety of industries that typically earn a living on a per-project basis. This liability policy protects... --- ### Equipment Breakdown Insurance > At Zensurance we simplify the process of getting equipment breakdown insurance for your business. Get a free online quote today! - Published: 2021-12-15 - Modified: 2024-04-23 - URL: https://www.zensurance.com/equipment-breakdown-insurance Equipment Breakdown Insurance Equipment breakdown insurance coverage is vital for Canadian small businesses that use and operate expensive equipment, including contractors, restaurant owners, retail stores, and professional service providers. https://www. zensurance. com/wp-content/uploads/2021/12/Equipment-Insurance. svg Claims examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: A refrigerated storage tank in your warehouse malfunctions after a sudden power surge, destroying the thermostat and damaging the tank. Outcome: Your equipment breakdown coverage may pay to replace the thermostat and repair the damaged storage tank. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: Your building’s boiler fails after a tube connected to it ruptures because of excessive oxygen in the feedwater triggered by low temperatures. Outcome: Your boiler and machinery insurance coverage may pay for the cost to repair the ruptured tube. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: A backhoe your company uses for excavation work won’t start because the engine unexpectedly seized and is inoperable. Outcome: Your equipment breakdown coverage may pay for the cost to repair the backhoe’s engine. Equipment breakdown insurance, explained. What is equipment breakdown insurance? Equipment breakdown insurance, also known as boiler and machinery coverage is designed to protect your equipment and machinery if they malfunction because of internal damage. Whereas commercial property insurance protects your equipment if damaged by an external event such as fire, flood, or severe weather, equipment breakdown insurance coverage provides financial support to repair or replace your equipment if damaged by power surges, electrical shorts, or a mechanical breakdown. It is applicable for nearly any equipment, including office equipment like computers and... --- ### Cannabis Insurance > At Zensurance we simplify the process of getting Cannabis Business Insurance. Get a free quote, it's quick and easy! - Published: 2021-12-13 - Modified: 2023-05-03 - URL: https://www.zensurance.com/cannabis-insurance Cannabis Insurance Whether you run a large cannabis production facility or a small local dispensary, protect your business from potential liabilities with cannabis insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Cannabis-Business-Owner. svg https://www. zensurance. com/wp-content/uploads/2022/08/Cannabis-Consultant. svgInsurance for cannabis businessesOne of the fastest-growing industries in Canada, the cannabis industry provides a broad range of products for recreational and medicinal use, including dried cannabis flower to smoke, edibles, beverages, and vaping oils. The recreational cannabis market was estimated to be worth $2. 6 billion in 2020 and is projected to rise to be worth $8. 62 billion by 2026. The rapidly changing marketplace includes significant risks that call for business owners to protect themselves with a comprehensive cannabis insurance policy. Cannabis insurance is a policy designed to protect cannabis producers and retailers from specific risks, such as third-party bodily injury, equipment protection, product recalls and general liability. Competing in a rapid growth industry, it’s vital to mitigate the risks that can disrupt your business operations. Cannabis insurance coverage can include several types of policies, including: Commercial General Liability (CGL) Insurance: Commonly referred to as ‘slip-and-fall’ insurance, CGL safeguards your business from risks related to running your daily operations, such as a third-party bodily injury or property damage claim. CGL also typically includes product liability insurance, which is vital for cannabis businesses, as it covers you for any third-party lawsuit or allegation arising from the products you grow, manufacture, distribute, or sell. Commercial Property Insurance: If you own a retail store, office, warehouse, storage facility... --- ### Reiki Liability Insurance > Reiki practitioners and energy healers should protect themselves with the proper liability coverage. Get a free quote today! - Published: 2021-12-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/reiki-liability-insurance Reiki Liability Insurance If you are a reiki practitioner, a reiki master or an energy healer, liability insurance is necessary to protect you from claims of injury to clients due to alleged negligence or injury. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/06/Reiki-Practitioner. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Reiki-Master. svgInsurance for reiki practitionersDue to its gentle nature, it may be assumed reiki practitioners offer a relatively risk-free service. However, when a client is relying on your expertise for their health and wellness, there’s always a chance that something could go wrong due to an oversight or some incorrect advice. Should this happen, your business could be liable, which can be really expensive to resolve without the proper insurance coverage. Reiki instructor insurance protects reiki professionals from lawsuits alleging negligence, malpractice, or third-party injury.  It also provides financial protection from common risks you may encounter, like a general liability claim or property damage to your reiki clinic. Reiki insurance is a type of professional liability insurance (also known as malpractice insurance or errors & omissions insurance). Professional liability insurance may cover the legal costs for negligence claims or bodily injury to a client. As an example of how professional liability insurance could protect your business, imagine a client accusing you of providing a treatment that directly made their condition worse, so they sue you. Professional liability insurance could provide financial protection for legal fees and potential medical costs. For comprehensive coverage, there are other policies that should be included in your reiki liability insurance: Commercial General Liability (CGL)... --- ### Excavation Contractor Insurance > At Zensurance we simplify the process of getting Excavation Contractor Insurance. Get a free quote, it's quick and easy! - Published: 2021-12-07 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/excavation Excavation Contractor Insurance Excavation contractors tackle tough jobs from excavation to grading and demolitions. Significant liability risks come with the territory, which is why you need a customized insurance policy to protect your business. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Excavation-Contractor. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Excavator. svgInsurance for excavation contractorsOwners of excavation, concrete and paving, and site preparation businesses know that not everything they see is always clear. Whether digging up sites and foundations for new buildings, breaking concrete, or demolishing existing structures, trenching and excavation work is dangerous work that poses many risks including cave-ins, explosions, injuries, slips, trips, and falls, as well as property damage caused by your operations. Insurance for excavation contractors is necessary to protect your business from liability risks, lawsuits, and unexpected mishaps. Excavation contractor insurance is a tailored policy package that provides coverage for a broad range of liability risks and protection for your equipment and assets. Having the right type of policy can help your small business withstand unforeseen circumstances and provide financial support when you need it. Getting a comprehensive excavation contractors’ insurance policy that’s customized to your needs may include several types of insurance, including: Commercial General Liability (CGL) Insurance: Excavation sites create several hazards for the general public and could damage adjacent properties. That’s why CGL insurance is vital. It provides coverage for third-party bodily injury or property damage lawsuits. If you are sued, CGL pays for your legal defence, the financial outcome of a lawsuit, and an injured person’s medical expenses or... --- ### Florist Insurance > At Zensurance we simplify the process of getting insurance for florists and flower shops. Get a free quote, it's quick & easy! - Published: 2021-12-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/florist-insurance Florist InsuranceFlorist insurance is a critical part of your small business’s risk management strategy to protect you from third-party liability risks and unexpected events. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Florist. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Flower-Shop-1. svgInsurance for florists and flower shopsThe beautiful bouquets and floral arrangements you design and sell to your customers can provide comfort, evoke joy and gratitude, and transform the atmosphere of an indoor or outdoor living environment. You know better than anyone running a flower shop successfully means striking the right balance between delighting your customers and caring for your inventory. The floristry profession includes flower care and handling, flower arrangements, floral design, as well as merchandising and flower delivery. Flowers insurance or insurance for florists is necessary to protect you from liability risks, lawsuits, and unexpected events, such as a flood or fire. It provides peace of mind so you can concentrate on growing your business and pleasing your customers. Florist insurance is a customized policy that protects flower shop owners from the insurable risks that their business may face. From minor accidents to customer injuries to damaged inventory, floral shop insurance is essential for protecting your reputation, financial welfare, and assets and inventory. Many flower shops may start out with a business owner’s policy (BOP), which is a policy package including several types of coverage at a discounted rate. A BOP typically includes: Commercial General Liability (CGL) Insurance: Perhaps the best-known type of business insurance, CGL protects your business and finances from a third-party bodily injury... --- ### Student Rental House Insurance > At Zensurance we simplify the process of getting student rental housing insurance. Get a free insurance quote, it's quick & easy! - Published: 2021-12-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/landlord-insurance/student-rental-house Student Housing Insurance As a landlord or property management company, renting apartments or units to postsecondary students comes with many risks. Get a customized, affordable policy for your student accommodation properties and protect your assets. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Student-Rental-House-Landlord. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Student-House-Landlord. svgInsurance for student house rentalsCities and towns with university and college campuses offer great investment opportunities for property owners looking to own and manage a student rental property.  However, student rental housing calls for specialized insurance. Though not all student housing properties are the same, insurance policies for student housing can vary significantly.  A student housing insurance policy is vital to keep your property and its contents safe. Without it, any damage or financial losses you suffer can be potentially ruinous, especially if an accident or incident occurs and you are named in a third-party lawsuit. Student housing insurance is a specialized type of policy that is designed to protect landlords and property management companies from losses or damages to their rental properties. A typical policy will also cover the dwelling’s contents, and attached structures such as a parking garage or storage shed. It can also protect you from unexpected events, such as damages resulting from severe weather like a windstorm, fire, or vandalism, as well as third-party bodily injury and property damage claims if you are sued. Student housing properties may include: Single residential dwellings Large multi-room student housing complexes Rooming houses Private residential properties converted to duplexes or triplexes Condominium units A comprehensive insurance... --- ### Pilates Insurance > At Zensurance we simplify the process of getting Pilates liability insurance. Get a free quote, it's quick & easy! - Published: 2021-12-01 - Modified: 2022-10-17 - URL: https://www.zensurance.com/pilates-insurance Pilates Insurance Pilates insurance provides protection from the costs associated with lawsuits or claims against instructors or pilates studio owners. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Pilates-Instructor. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Pilates-Teacher. svgInsurance for Pilates instructorsPilates is a great choice as a low-intensity way of stretching, rejuvenating, and strengthening muscles. More Canadians are deciding to take up pilates, either attending in-person classes or joining a virtual class. Even though pilates is generally a gentle activity, there’s always a chance that a client could get seriously hurt. Beginners and professionals alike can find themselves injured due to the wrong advice or a faulty piece of equipment. Should this happen, your business could be liable. Pilates instructor insurance is extremely important in cases where you’re liable for medical bills, but it can cover your business for other events too. Pilates instructor insurance protects pilates professionals from lawsuits alleging negligence, malpractice, or third-party injury. It also provides coverage for common risks you could encounter, such as a general liability claim or property damage to your location. Your pilates insurance should cover all types of risks. Here are the top coverages that should be included in your policy: Commercial General Liability (CGL) Insurance: This coverage protects your business against common liability risks. These are risks that can happen in any business setting, such as third-party property damage or bodily injury (like a slip-and-fall accident). For example, say your pilates studio has just been cleaned, and one section of the floor is still wet. If a client was... --- ### Occupational Therapist Insurance > At Zensurance we simplify the process of getting malpractice insurance for occupational therapists. Get a free quote, it's quick and easy! - Published: 2021-12-01 - Modified: 2022-10-17 - URL: https://www.zensurance.com/occupational-therapist-insurance Occupational Therapist Insurance Occupational therapist insurance is a customized policy unique to the profession that’s designed to protect these health care professionals from claims or lawsuits related to the services they provide. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Occupational-Therapist. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Occupational-Therapist. svgInsurance for occupational therapistsInsurance for occupational therapists protects these types of professionals from exposure to third-party bodily injury lawsuits. The liability risks occupational therapists face are significant in part because the treatment patients may receive elsewhere can affect their efforts. Occupational therapist insurance – often referred to as medical malpractice insurance or professional liability insurance – is highly recommended. Occupational therapists help people who are already injured. Also, treating patients with existing injuries or disabilities raises the possibility of a patient suffering additional injuries. The most common allegations against occupational therapists involve the mismanagement of treatment and neglect. If you are sued by a patient, the cost of that lawsuit could cost you thousands of dollars. A customized occupational therapist insurance policy may include the following types of coverages: Medical Malpractice Insurance: Malpractice insurance provides financial coverage for occupational therapists if subject to allegations of misconduct, neglect, substandard treatment, equipment- or treatment-related injuries, and third-party bodily injury lawsuits. Commercial General Liability (CGL) Insurance: CGL is a liability insurance policy that protects you and your business against third-party property damage or bodily injuries. For example, if a patient visiting your practice slips, falls, is injured, and sues you, CGL is designed to cover the patient’s medical expenses and your legal... --- ### Security Service Insurance > At Zensurance we simplify the process of getting security service insurance. Get a free quote, it's quick & easy! - Published: 2021-11-26 - Modified: 2022-10-17 - URL: https://www.zensurance.com/security-service-insurance Security Business Insurance Any business that offers safety or security services should be protected against claims of negligence, errors or third-party injury. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Security-Services-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Bouncer. svgInsurance for security guards and companies Security guards are conscientious, detail-focused professionals who possess the skills and experience to solve problems efficiently, observe and monitor the properties they are entrusted to protect, and serve with honesty and integrity. However, security personnel also need protection from the hazards and risks they face in their line of work. A comprehensive security service insurance policy is essential to addressing those challenges. Security company insurance is a policy designed for security guards and protection companies to provide coverage against allegations of negligence or claims of financial loss through errors & omissions coverage or third-party bodily injury. A comprehensive security company insurance package should contain the following policies: Commercial General Liability (CGL) Insurance: CGL insurance is vital for any security business that has clients visiting your office or under your protective supervision. Also known as slip-and-fall insurance, it covers you from third-party bodily injuries or property damage as a result of your actions. For instance, they trip, fall, are hurt and require medical attention. If they sue you for damages, the cost of a lawsuit could put you out of business. CGL provides you with coverage to defend yourself in court, and it pays for the injured person’s medical expenses. Professional Liability Insurance: Also known as errors and omissions (E&O) insurance, professional liability provides... --- ### Media and Marketing Insurance > At Zensurance we simplify the process of getting Media and Marketing Insurance. Get a free quote, it's quick and easy! - Published: 2021-11-26 - Modified: 2023-06-13 - URL: https://www.zensurance.com/media-and-marketing-insurance Media and Marketing Insurance From independent media consultants to digital advertising agencies, media and marketing insurance provides financial coverage for industry professionals from third-party liability lawsuits. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Media-and-Marketing-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2023/03/Digital-Marketing-Professional. svgInsurance for media and marketing professionalsIn our fast-paced online media and marketing world, you understand the importance of meeting the timelines of your projects. Despite how meticulous you are in your work, errors or mistakes can happen. When they do, you may be held legally responsible for any negligent actions or errors that cause one of your customers to suffer financial losses or damages.   Digital marketers, new media professionals, and media and marketing consultants should consider getting marketing liability insurance coverage. Unlike many other businesses that sell physical goods or services, media and marketing companies and independent consultants generate ideas, images, stories, and concepts offline and online for their customers. They strive to convey their customers’ core messages, thought leadership content, or convey a personal feeling to their targeted audiences. As such, Canadian media and marketing professionals face many different risks, for example, third-party injuries or property damage lawsuits, and risks related to the services and advice they provide to their clients. Media and marketing insurance is a comprehensive package featuring different types of coverages designed to protect professionals in this industry, including: Advertising agencies Broadcasters Computer animators Copywriters and editors Direct marketing firms Film production Freelance media and marketing consultants Graphic designers Journalist Market researchers Media buyers Photographers Printers Public relations firms Publishers... --- ### Architect Insurance > At Zensurance we simplify the process of getting architect Professional Liability Insurance. Get a free E&O insurance quote; it's quick & easy! - Published: 2021-11-24 - Modified: 2023-06-22 - URL: https://www.zensurance.com/architect-insurance Architect Insurance Get a custom architect professional liability insurance coverage designed specifically to protect against risks and errors and omissions. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Architect-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Architect. svgWhat is architect insurance? Architect insurance is a specialized professional liability insurance policy that provides financial coverage for architects against lawsuits resulting from errors and omissions, negligence, and failure to deliver service. In addition, insurance packages for architects can extend coverage to protect from other third-party risks such as property damage and bodily injury. A comprehensive architect insurance policy may include several types of coverages, including: Professional Liability Insurance: From the initial consultation to construction administration, architects could be held liable for mistakes that may happen at any phase of the project.   Professional liability insurance, also known as errors and omissions (E&O) insurance, is a critical coverage for architects. It protects them against financial losses due to negligence, errors, or failure to deliver a service as promised. Some common risks that architects face include: Design or planning errors Missing project deadline Mismanagement of budgets Negligent contract bids Commercial General Liability (CGL) Insurance: Also referred to as slip-and-fall insurance, CGL is an all-risks type of policy that covers you from third-party bodily injuries or property damage claims. For instance, if a client or visitor to your office trips, falls, is hurt, and requires medical attention, they may sue you for damages. CGL provides you with coverage to defend yourself in court, and it pays for your injured customer’s medical expenses. Legal Expense... --- ### Dance Instructor Insurance > At Zensurance we simplify the process of getting Dance Instructor Insurance. Get a free quote, it's quick and easy! - Published: 2021-11-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/sports-insurance/dance-instructor Dance Instructor Insurance If you own a dance studio, teach at a studio, or provide private lessons, protect yourself from potential liabilities with dance instructor insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/11/dance-instructor. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Dance-Instructor. svgInsurance for dance instructorsTo an outsider, dances can look flawless. During a recital, dancers make it look easy to perform advanced moves such as a pirouette, a split leap, or even a headspin. But, behind the curtain, dance instructors know there’s a significant amount of time spent practising to create the immaculate final performance. And during that time, it’s inevitable there’ll be some minor injuries along the way. Insurance comes into play when a dance injury isn’t so minor. Regardless of how much practice, stretching, and guidance is given, there’s always a chance that a dancer could be seriously hurt under your instruction.  Dance instructor insurance is fundamental for financial protection in cases where medical bills will need to be paid. Dance instructor insurance is a specialized liability policy package that protects dance professionals from lawsuits alleging negligence, malpractice, or third-party injury. It also provides coverage for common risks you could encounter, such as a general liability claim or property damage to your location. You can expect a comprehensive dance instructor insurance package to include the following coverages: Commercial General Liability (CGL) Insurance: This policy provides financial protection against risks that can happen in any business setting. These risks include claims alleging property damages and third-party injuries, such as a slip-and-fall. Say it’s a rainy day,... --- ### Landlord Insurance > At Zensurance we simplify the process of getting Landlord Insurance. Get a free custom quote to protect your rental property. - Published: 2021-11-19 - Modified: 2024-11-08 - URL: https://www.zensurance.com/landlord-insurance Landlord Insurance Safeguard your rental property with comprehensive landlord insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/08/Landlord-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2024/10/Landlord-Rental-Property-Owner. svg Insurance for landlords If you own a rental house, apartment, basement apartment, or rental condo, it’s wise to ensure you have enough insurance to protect yourself from unexpected events, as well as third-party bodily injury and property damage claims. For example, if a tenant or visitor to your property slips, falls, and is injured, they could sue you for third-party bodily injuries. A landlord insurance policy is vital to keep your property and its contents safe. Without it, any damage or financial losses you suffer can be wildly expensive, especially if an accident or incident escalates to a third-party lawsuit. Landlord insurance covers property owners from financial losses for events or occurrences that happen at their rental properties. In general, a rental property insurance policy protects landlords for losses or damages to the property they own, its contents, the loss of rental income resulting from an insured loss, and any attached structures to that rental property, such as a shed or garage. For instance, if an unexpected event like a fire or a burst water pipe should damage your property. Within a landlord insurance policy is a type of coverage known as rental income insurance that can be applied to rental properties. Sometimes referred to as ‘fair rental value’ coverage, it can help replace lost rent income if the property is temporarily uninhabitable after an insurable claim. A comprehensive insurance... --- ### Entertainment Insurance > At Zensurance we simplify the process of getting Entertainment Insurance. Get a free quote, it's quick and easy! - Published: 2021-11-19 - Modified: 2024-04-23 - URL: https://www.zensurance.com/entertainment-insurance Entertainment Insurance Entertainment insurance provides financial protection for businesses in the entertainment industry, allowing them to focus on hosting a fun environment that helps their businesses thrive. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Entertainment-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Entertainer. svgInsurance for entertainment businessesThe entertainment industry provides something fun for everyone. Whether you own an arcade, a pool hall or a music venue, you know that your customers come to your business for a great time – it might even be the highlight of their week! While the average customer wouldn’t think about something going wrong in your establishment, frequently, entertainment venues have a lot of risks. Patrons often have access to some expensive and potentially dangerous equipment. For example, bowling balls, axes, and billiard balls can hurt someone if misused. Additionally, lighting, sound equipment and machinery could cause financial ruin should something be damaged without the proper insurance coverage. Entertainment insurance is a liability insurance policy package designed to protect the risks of businesses within the entertainment industry. Businesses and professional entertainers can be financially covered against incidents of injury or damage to a third party or their property and accusations of professional neglect. We’ve insured more than 1,000 entertainment businesses. Some of our clients include: Actors Arcades Axe throwing Bowling alleys DJs Entertainment performers Escape rooms Film production Musicians Sports entertainment Performing arts professionals VR gaming centres An entertainment insurance policy will typically include the following coverages: Commercial General Liability (CGL) Insurance: This policy helps to protect your entertainment venue against claims or... --- ### Social Worker Insurance > At Zensurance we simplify the process of getting Social Worker Insurance. Get a free quote, it's quick and easy! - Published: 2021-11-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/social-worker-insurance Social Worker Insurance As a social worker, it’s crucial that your professional services are covered with malpractice insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/Commercial-Liability-Insurance-Zen-Woman. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Social-Worker. svgInsurance for social workersAs a social worker, you do amazing things, but things don’t always go to plan because you work closely with those relying on your expertise. You can be held responsible for almost any negative impact that your services have on your clients. Without insurance, claims made against you professionally can cause unmanageable financial issues.  Insurance is essential for your financial and occupational security in any industry that involves looking after public wellness. Social worker insurance is a specialized professional liability policy designed to accommodate the various services that social workers may offer and protect against specific risks associated with them, such as allegations of malpractice, professional errors in diagnosis and damage to third parties. As a social worker, you’ll need a combination of coverages that protect you from the specific professional risks you may face, and from the general risks of running a business. Here are the main coverages you should consider: Medical Malpractice Insurance: Also known as professional liability insurance, this insurance protects social workers against client allegations of malpractice, errors and omissions, and misconduct. Suppose you fail to deliver a service as expected. Your client can sue you for damages (‘damages’ can be in the form of a financial loss or third-party bodily injury). Say you failed to notice a young client wasn’t taking their prescribed medication and experienced a mental... --- ### Cleaning Insurance > At Zensurance we simplify the process of getting insurance for cleaning businesses. Get a free quote, it's quick and easy! - Published: 2021-11-15 - Modified: 2024-03-20 - URL: https://www.zensurance.com/cleaning-insurance Cleaning Business Insurance Whether you offer residential or commercial cleaning, protect yourself from liabilities with cleaning business insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/03/Cleaning-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2024/03/Professional-Cleaner. svgWhat is cleaning business insurance? Cleaning business insurance is a specialized policy designed for commercial and residential cleaning professionals and businesses to protect them against the specific risks and liabilities of working on a jobsite. You know your customers expect you to ensure their properties are squeaky clean. They rely upon you to deliver cost-effective, detail-oriented service. But sometimes, mistakes can happen, and when they do, if one of your clients launches a third-party lawsuit against you, it can be financially ruinous regardless of its outcome. A comprehensive insurance policy for professional cleaners may include several types of coverages, including: Commercial General Liability (CGL) Insurance: CGL insurance is a broad type of coverage that provides liability protection against general business risks. Also known as slip-and-fall insurance, it covers you from claims against third-party bodily injuries or property damage.   For example, while cleaning your client’s home, you accidentally knocked over an expensive art painting off the wall and ended up being sued over damages. Often, CGL insurance is required by a contract with a client that hires you for your cleaning services. It is generally categorized as all-risks coverage unless specific types of risks are excluded. Tools and Equipment Insurance: This type of coverage may pay to replace or repair your lost, stolen, or damaged equipment and tools that you regularly use for... --- ### Fleet Insurance > Commercial fleet insurance provides group auto coverage for business-owned vehicles such as cars, trucks, vans & trailers. Get a free quote! - Published: 2021-11-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/fleet-insurance Commercial Fleet Insurance Small businesses with a fleet of cars, vans, or trucks need a customized insurance policy to protect their commercial fleet vehicles. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Tenant-Commercial-Liability-Insurance. svg Why Choose Zensurance? We help Canadian business owners save time and money by providing a convenient and affordable way to buy business insurance. Purchase your insurance anytime, anywhere, with our easy-to-use online platform. Compare rates across leading insurance companies to ensure you get the best price on your premium. We use data and analytics to identify the right insurance policies for your business. Get a Free Quote Now Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Third-party liability Problem: One of your employees gets into an accident with a company vehicle, injuring another driver, and is found to be at-fault for the accident. The injured driver sues your company for damages. Outcome: Your third-party liability coverage may pay for the cost of the injured driver’s medical expenses, as well as your court costs and any settlement against you determined by the courthttps://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Comprehensive insurance Problem: While driving one of your company’s vehicles on a highway to make a delivery to a customer, your employee hits a deer that darts out suddenly in front of them, significantly damaging your vehicle. Outcome: Your comprehensive insurance coverage may pay for the damages to your vehicle caused by the impact of the deer running out in front of your driver unexpectedly. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Uninsured auto insurance Problem: One of your... --- ### Partner - Goodlawyer > Zensurance and Goodlawyer have partnered to offer clients saving on a tailored business insurance policy. Get a free quote today! - Published: 2021-11-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/goodlawyer https://www. zensurance. com/wp-content/uploads/2019/08/Paralegal-Liability-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2021/11/Goodlawyer-Logo-300x51. png A friend of Goodlawyer's, is a friend of ours Goodlawyer and Zensurance have partnered to help you save on a tailored business insurance package.   Our products are specially designed for businesses at any stage across 100s of industries to ensure you get the coverage you need. Get your free quote today! It's easy and takes only a few minutes. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Paralegal-Liability-Insurance. svg Partnerships with over 50 leading Canadian insurance providers https://www. zensurance. com/wp-content/uploads/2019/06/aviva-commercial-liability-insurance. svghttps://www. zensurance. com/wp-content/uploads/2019/06/chubb-small-business-insurance. svghttps://www. zensurance. com/wp-content/uploads/2019/06/beazley-commercial-insurance-canada. svghttps://www. zensurance. com/wp-content/uploads/2019/06/portage-mutual-insurance-for-small-business. svghttps://www. zensurance. com/wp-content/uploads/2019/07/Lloyds_of_London_logo. svghttps://www. zensurance. com/wp-content/uploads/2019/06/travelers-logo. svg What is Business Insurance? Business insurance protects business owners from losses due to unforeseen events that may occur during day-to-day business operations, including third-party property damage, bodily injuries, or failure to deliver a service as promised. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does Business Insurance cover? Every business is unique, and insurance requirements may vary by specialization; however, a comprehensive policy package will typically include the following coverages: Commercial General Liability Insurance (CGL) Professional Liability Insurance Product Liability Insurance Commercial Property Insurance Cyber Liability Insurance Directors and Officers Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs Business Insurance? Regardless of size or industry, insurance is critical for the long-term survival of your business. Business insurance provides coverage for the financial costs associated with unforeseen events such as damage caused to third parties, accusations of professional negligence or defective products. Your business is unique and your coverage will vary.... --- ### Access to Personal Information > Access to Personal Information Policy addresses how Zensurance meets its obligations under our Privacy Policy and the law with respect to permitting access to personal information. - Published: 2021-11-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/access-to-personal-information Access to Personal Information (Canada) Zensurance Inc and Zensurance Brokers Inc (collectively “Zensurance”) understand the importance of protecting the privacy of clients and place a high priority on effectively dealing with any privacy related requests. This Access to Personal Information Policy addresses how Zensurance will meet its obligations under our Privacy Policy and the law with respect to permitting access to personal information. All privacy related access requests will be treated seriously, dealt with promptly and handled in a confidential manner. This procedure will apply to a client seeking access to review his or her own personal information. This procedure also applies to others, including law enforcement authorities, seeking to access information on a client. To make an access request, the following procedure may be followed, or as appropriate, will apply: The Applicant must contact the Privacy Officer for Zensurance in writing or via email and request access to the personal information. The request for access will be retained and recorded by the Privacy Officer. The Privacy Officer will send an acknowledgement by letter to the Applicant of receipt of the request stating the date of receipt, within 15 business days following the date of receipt of the access request and confirm that the access request is being processed. D. Zensurance will respond to the request within 30 days. The Privacy Officer will determine if the request for access is legitimate and not frivolous or vexatious. The Privacy Officer may require further information to allow him or her to make... --- ### BC Contractors Insurance > BC contractors insurance starting at $19 per month. Get comprehensive coverage for your specific trade with Zensurance. - Published: 2021-11-05 - Modified: 2024-11-08 - URL: https://www.zensurance.com/british-columbia-business-liability-insurance/contractors BC Contractors Insurance Contractors in BC need protection from the risk of third-party liability claims and damages or losses from unforeseen accidents. Get your customized liability insurance policy today. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/03/BC-Contractor. svghttps://www. zensurance. com/wp-content/uploads/2022/08/BC-Contractor. svgLiability insurance for BC contractorsFrom Vancouver to Victoria, Surrey to Whistler, Kelowna to Kamloops, independent contractors, tradespeople, and small contractor business owners across British Columbia face a wide range of risks.  Comprehensive liability insurance for contractors in B. C. covers the broad range of risks independent contractors and tradespeople face. Whether you’re involved throughout an entire project or for a portion of one, there is much that unfolds from the initial planning process to the actual work. Different types of contractors face different risks, from third-party liability lawsuit claims to damages or losses occurring because of severe weather or unexpected events. Get a customized liability insurance package to protect your contracting business from unforeseen accidents. A comprehensive insurance policy for all kinds of contractors may include the following types of coverages: Commercial General Liability (CGL) Insurance: CGL is a liability insurance policy for contractors that protects you and your business against common claims such as third-party property damage or bodily injuries (if a customer visiting your office slips, falls, and is injured). Should you or your business be named in a lawsuit, CGL may cover a customer’s medical expenses and your legal fees regardless of the outcome. However, your CGL coverage limit applies to all employees of your business, not each employee. If... --- ### Ontario Contractors Insurance > Ontario contractor's insurance starting at $19 per month. Get comprehensive insurance coverage for your specific trade with Zensurance. - Published: 2021-11-05 - Modified: 2024-12-12 - URL: https://www.zensurance.com/ontario-business-liability-insurance/contractors Ontario Contractors Insurance Zensurance offers customized, low-cost insurance policies for a broad range of contractors, skilled tradespeople, and construction professionals throughout Ontario. No matter your expertise or job, we can protect your finances with a contractor insurance policy tailored to your specific requirements. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Ontario-Contractor. svghttps://www. zensurance. com/wp-content/uploads/2024/12/Independent-Contractor-Insurance. svg Insurance for Ontario contractors From Toronto to Ottawa, Hamilton to North Bay, London to Windsor, independent contractors, tradespeople, and small contractor business owners face a wide range of risks. That calls for a comprehensive contractor liability insurance package for protection from third-party bodily injury or property damage claims. With Zensurance, you get more than just a policy – you get peace of mind and world-class customer service. We specialize in insurance tailored for contractors in Ontario, offering customizable coverage that fits your unique needs and budget. Plus, our quick, no-hassle online quotes mean you can get covered and a certificate of insurance in minutes! Don’t leave your contractor or construction business unprotected – trust the experts who understand your industry. Get your free contractor insurance quote today and stay protected! Get a Free Quote What is contractors insurance? A comprehensive contractors insurance policy in Ontario is designed to cover the broad range of risks independent contractors and tradespeople face. Different types of contractors face different risks, including: Third-party lawsuits arising from disagreements and misunderstandings Unexpected damages to projects and properties due fire, water, or severe weather Third-party bodily injury claims Third-party property damage claims Stolen or vandalized tools... --- ### Photographer Insurance > At Zensurance we simplify the process of getting photography liability insurance. Get a free quote, it's quick & easy! - Published: 2021-11-05 - Modified: 2024-11-08 - URL: https://www.zensurance.com/photographer-insurance Photography Insurance Whether you’re a freelance photographer or own a large photography studio, protect yourself from potential risks with photography liability insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Photographer. svghttps://www. zensurance. com/wp-content/uploads/2024/10/Photographer-Professional-Liability. svgInsurance for photographersPhotographer Insurance is a policy package designed to protect photographers against the specific risks associated with providing photography services, such as negligence and third-party injuries or property damage. Mistakes can happen and disrupt your business in a matter of minutes. We know what makes your business unique, leave it to us to find the best fit for you. A comprehensive insurance policy for photographers typically includes: Professional Liability Insurance: As a photographer, you may have only one opportunity to capture that special moment, like a wedding, and if your clients are not satisfied with the results, you may be held liable. Professional liability, also known as errors and omissions (E&O) insurance, provides financial coverage against financial losses due to negligence, errors, or failure to deliver a service as promised. Essentially, it protects against costs associated with claims or lawsuits that may threaten the survival of your business. Commercial General Liability (CGL) Insurance: CGL insurance is vital for any business that has customers or partners visiting an office or workspace. For photographers, that includes the studio where you work. Also known as slip-and-fall insurance, it covers you from third-party bodily injuries or property damage should a customer visit your location and injure themselves. For instance, a customer trips on a lighting cable, fall, are hurt, and require medical... --- ### Blog > We put together these business insurance resources to help Canadian business better undersatnd the insurance world. Learn more! - Published: 2021-11-04 - Modified: 2024-10-22 - URL: https://www.zensurance.com/blog Zensurance Small Business Insights News and resources for Canadian small businesses and startups covering the economic and business insurance landscape. https://www. zensurance. com/wp-content/uploads/2024/10/blog-homepage-widget_whitepaper. png Recent posts Small Business Tips More posts Insurance More posts Financial Business Tips More posts Cybersecurity More posts Startup Tips More posts --- ### Swimming Pool Contractor Insurance > Liability insurance designed to protect swimming pool contractors & pool cleaning businesses against bodily injury or property damage claims. Get a quote! - Published: 2021-11-04 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/swimming-pool Pool Cleaning and Repair Insurance Swimming pool contractors, and pool cleaning and repair businesses need to protect themselves from third-party liability claims and damages or losses from unexpected events. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/11/Swimming-Pool-Contractor. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Pool-Cleaner. svgWhat is swimming pool contractor insurance? A swimming pool contractor liability insurance policy is designed to cover your business if you face a third-party lawsuit for bodily injuries or property damage resulting from the work you do for a customer, whether it’s an inground pool, above-ground pool, semi-inground pool, or hot tub. Depending on the coverage options you select, it can also safeguard your pool cleaning business from unexpected events such as severe weather, theft, or fire. A comprehensive insurance policy for a swimming pool cleaning business may include the following types of coverages: Commercial General Liability (CGL) Insurance Commercial Property Insurance Tools and Equipment Insurance Equipment Breakdown Insurance Builder’s Risk Insurance Additional coverages to consider: Cyber Liability Insurance Pollution Liability Insurance Professional Liability Insurance Commercial Auto Insurance Commercial Crime Insurance Leased, Rented, Borrowed Equipment Insurance The cost of a basic or standard swimming pool business insurance policy is determined by insurance companies and is based on several factors, such as:  The industry you’re in and the services you provide Your business’s size and location How many employees you have Years of experience Your annual and projected revenues Your history of insurance claims Most swimming pool and hot tub contractors purchase a policy with up to $2 million of general liability coverage.... --- ### Group - Business Insurance > At Zensurance we simplify the process of getting commercial insurance for your business. Get a free online quote! - Published: 2021-11-02 - Modified: 2023-06-08 - URL: https://www.zensurance.com/group Your Business Insurance, Quick & Easy! Protect your business without the hassle. Get your business insurance quote in a few minutes. Join thousands of Canadian businesses that are already protected! Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/12/Group-Business-Insurance. svg Zensurance simplifies the insurance buying process https://www. zensurance. com/wp-content/uploads/2018/11/Commercial-insurance-coverage. svg Best coverage for the best price We’ve partnered with Canada’s largest insurance companies to provide the most competitive business insurance rates for you. https://www. zensurance. com/wp-content/uploads/2018/11/business-insurance. svg Let us do the shopping around We want you to focus on running your business, and leave the hassle of shopping around to us. https://www. zensurance. com/wp-content/uploads/2018/11/24-7-online-Canada-Liability-Insurance. svg 24/7 online service You don’t need to call, meet, mail or fax us anything. You can use our service anywhere at anytime. https://www. zensurance. com/wp-content/uploads/2018/11/your-confidential-information-is-protected. svg Your information is protected Any information you provide to us is fully encrypted and only shared securely with your insurance company. https://www. zensurance. com/wp-content/uploads/2018/11/your-business-is-special-to-us. svg Your business is special to us We know what makes your business unique and we will find the best fit for your insurance needs. https://www. zensurance. com/wp-content/uploads/2018/11/understand-your-coverage. svg Understand your coverage We don’t use fancy insurance jargon. We explain in plain English what coverages you need and what you are covered for. Get a Free Quote Learn more about the different business insurance coverages --- ### Bakery Insurance > At Zensurance we simplify the process of getting Bakery Business Insurance. Get a free quote, it's quick and easy! - Published: 2021-10-25 - Modified: 2022-10-17 - URL: https://www.zensurance.com/restaurant-insurance/bakery Bakery Business Insurance Small business and home-based bakeries need to be mindful of the risks they face from third-party liability lawsuits as well as unexpected accidents or events. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/11/Bakery-shop-owner. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Baker. svgInsurance for bakeriesAll bakeries and cake-making businesses need a comprehensive insurance policy to protect their businesses from the risks they face. Whether it’s the building where you make and store baked goods, the transportation you use to ship your product to customers, and unforeseen circumstances that can arise with no warning. A customized bakery business insurance policy is designed to protect from risks associated with your baking facility and operations, such as third-party bodily injury or property damage lawsuits, or if a fire. It can also cover you from the cost of a claim by a customer who alleges the food you made caused them to get sick. Insurance for Canadian bakeries may vary between the type of business you own and operate, no matter what kind of baked goods you create. That is why you should work with a licensed broker to determine what risks your bakery faces, the kinds of coverages you require, and who can find you the right type of policy at the best price. A comprehensive insurance policy for a bakery shop may include the following types of coverages: Commercial General Liability (CGL) Insurance Commercial Property Insurance Equipment Breakdown Insurance Cyber Liability Insurance Commercial Crime Insurance What the annual premium is for bakery business insurance depends on many... --- ### Auto Repair Shop Insurance > Get a customized liability insurance policy to protect mechanics and auto repair shops. Get a free quote today! - Published: 2021-10-21 - Modified: 2022-10-17 - URL: https://www.zensurance.com/auto-repair-shop-insurance Auto Repair Liability Insurance Auto body repair shops and mechanics offer a wide range of services. Your garage insurance policy needs to be customized to suit your business’s needs. Canadian automotive businesses such as auto and collision repair shops, mechanics, garages, and dealerships require a comprehensive liability insurance package to protect themselves from third-party bodily injury or property damage claims. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/11/Auto-Mechanic. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Auto-Mechanic. svgInsurance for auto repair shopsYour customers rely on you to repair, service and store their vehicles safely. The care, custody, and control of customer vehicles are your responsibility. If something goes wrong while a customer’s car, SUV, or truck is in your possession (accidents do happen), having customized insurance for an auto repair shop that adequately addresses any unforeseen circumstances is essential to protecting your business. Auto repair shop insurance is a comprehensive commercial policy that insures car repair businesses, mechanics, and their employees against third-party claims of damages to your customers’ vehicles as well as protection for your company-owned vehicles. Every auto repair shop is different, and insurance requirements will vary by the services you provide. A comprehensive auto repair shop insurance policy typically includes these coverages: Commercial General Liability (CGL) Insurance: CGL is a liability insurance policy for auto repair shops that protect you and your business against common claims you may run into, such as third-party property damage (damage to a customer’s vehicle) or bodily injuries (if a customer visiting your facility slips, falls, and is injured). Should... --- ### Airbnb Insurance > At Zensurance we simplify the process of getting Airbnb Insurance in Canada. Get a free quote, it's quick & easy! - Published: 2021-10-21 - Modified: 2024-11-19 - URL: https://www.zensurance.com/airbnb-insurance Airbnb Insurance Canadian property owners who are Airbnb hosts face liability risks. Protect your rental property with customized Airbnb insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/09/Airbnb-Insurance-Coverage. svghttps://www. zensurance. com/wp-content/uploads/2024/10/Airbnb-Owner. svg Insurance for Airbnb rentals If you occasionally rent your home or condo to guests through Airbnb or other home-sharing services, you need a customized Airbnb rental insurance policy to protect yourself and your property against unforeseen events and third-party liability. A comprehensive insurance policy for Airbnbs rental properties through Zensurance typically includes: Commercial General Liability (CGL) Insurance: Also known as ‘slip-and-fall’ insurance, CGL protects against claims alleging third-party property damage or bodily injuries if, for instance, a customer visits the premises and slips, falls, and is injured. CGL may provide financial coverage for third-party medical expenses and your legal fees if you are named in a lawsuit. Commercial Property Insurance: Commercial property insurance protects against physical losses or damages to your property and its contents due to an external disaster, such as a fire, theft, or vandalism. It typically includes coverage for the property’s physical assets such as your furniture and personal belongings, as well as any electronics that are stolen or damaged. Rental Income: This type of coverage provides you with protection if you lose rental income due to damages to your property because of a fire, flood, or other insured perils. Loss Assessment Coverage: Condo owners share ownership and responsibilities with other individual unit owners for the condo building’s common areas such as a swimming pool or fitness centre. Although... --- ### Manufacturing Insurance > At Zensurance we simplify the process of getting insurance for Canadian manufacturers. Get a free quote, it's quick and easy! - Published: 2021-10-20 - Modified: 2022-11-11 - URL: https://www.zensurance.com/manufacturing-insurance Manufacturing Insurance Small business owners whose livelihoods depend on manufacturing goods of any kind face a unique set of risks. That calls for a customized manufacturer's insurance policy to safeguard your assets and bottom line. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/11/Manufacturer. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Manufacturing-Business. svgInsurance for Canadian manufacturersYour manufacturing business relies on expensive machinery to produce its products as well as a network of partners across your production and supply chain. Customized insurance policies for manufacturing companies can help protect manufacturers when problems arise in their facilities and other points throughout the supply chain. From raw goods to finished products, a comprehensive manufacturing insurance policy is designed to cover the broad range of risks manufacturers face. Different types of manufacturers face different kinds of risks. A customized policy that covers all possible risks and scenarios that may arise without warning is a must-have to safeguard your business. A typical manufacturer insurance policy includes coverages such as: Manufacturers’ Errors and Omissions (E&O) Insurance: Manufacturers’ E&O insurance is a form of professional liability coverage. It usually includes coverage for legal defence costs and damages related to your company’s professional services, products, and media and advertising. Since your manufacturing business develops and creates products, consider including E&O insurance to your overall policy to protect your business from lawsuits alleging neglect, misconduct, or failure to deliver a product or service as promised. For example, your business failed to meet the production output contracted with your distributor due to a material shortage at your factory.... --- ### Freelance Insurance > At Zensurance we simplify the process of getting liability insurance for freelancers. Get a free quote today! - Published: 2021-10-20 - Modified: 2023-03-29 - URL: https://www.zensurance.com/freelancer-insurance Freelance Liability Insurance Whatever your profession, you should protect yourself and your freelance work. Freelance liability insurance provides coverage for self-employed professionals that provide a service or product. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Freelancer. svghttps://www. zensurance. com/wp-content/uploads/2023/03/Freelance-Professional. svgInsurance for freelancersAs a freelancer, you might be lucky enough to have the luxury of working on your own terms – choosing your schedule and working with the clients you want. Even if your business isn’t quite that successful, freelancing likely gives you the ability to shape your workday. It’s essential to recognize that an accident could happen despite the attention and control over your work, or you may find yourself being accused of negligence. Whether you have a self-employed business or you’re just making a little extra money from freelancing, it’s vital to set yourself up for success – even if something should go wrong. An insurance policy built around your services will give you peace of mind, so you can continue doing what you love. A freelance insurance policy is specifically designed for self-employed freelancers across a variety of industries that typically earn a living on a per-project basis. This liability policy protects you and your business against risks associated with freelance work, such as negligence, failure to deliver services, third-party property damage or bodily injury. We know freelance work comes in all shapes and sizes – a freelance writer would require different coverage from a freelancing web developer, for example. However, we know what it takes to find the perfect coverage for... --- ### Acupuncture Insurance > At Zensurance we simplify the process of getting Acupuncture Insurance. Get a free malpractice insurance quote, it's quick & easy! - Published: 2021-10-20 - Modified: 2022-11-02 - URL: https://www.zensurance.com/acupuncture-insurance Acupuncture Insurance If you operate an acupuncture clinic or you’re an independent acupuncturist, it’s essential to protect yourself and your business against potential liabilities with acupuncture liability insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Acupuncturist. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Acupuncture. svgInsurance for acupuncture practitionersFor thousands of years, people have used acupuncture as an alternative medicine to relieve chronic pain such as arthritis or existing injuries. Increasingly, acupuncturists have used their methods to aid the treatment of other conditions too, such as anxiety, infertility and asthma. As an acupuncturist, you know how important it is to be extremely accurate with your treatments – both in the physical treatment and in professional recommendations. There’s always a risk that an incident or allegation could happen beyond your control – even if you do everything to protect the well-being of your clients. That’s why it’s essential to protect yourself, your clients, and your business with an acupuncture liability insurance package. Acupuncture insurance provides financial coverage for clinics and individual acupuncturists against the risks that could occur within the business environment. It is designed to cover loss or damage to personal property, and product and liability-related events that cause third-party injury or property damage. Acupuncture insurance includes several insurance policies to provide the full coverage acupuncturists require. Acupuncture insurance will typically include the following coverages: Malpractice Insurance: Also known as professional liability insurance, acupuncture malpractice insurance provides coverage for allegations of misconduct, negligence, or failure to deliver a service as advertised. If a client feels you misdiagnosed their... --- ### Commercial Auto Insurance > Commercial auto insurance provides coverage for business owned vehicles such as cars, trucks, vans & trailers. Get a free quote! - Published: 2021-10-08 - Modified: 2024-12-19 - URL: https://www.zensurance.com/commercial-auto-insurance Commercial Auto Insurance Whether your business has a single utility van or a fleet of trucks, you need a customized commercial auto insurance policy based on your unique needs. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/08/Commercial-Auto-Insurance. svg Why Choose Zensurance? We help Canadian business owners save time and money by providing a convenient and affordable way to buy business insurance. Purchase your insurance anytime, anywhere, with our easy-to-use online platform. Compare rates across leading insurance companies to ensure you get the best price on your premium. We use data and analytics to identify the right insurance policies for your business. Get a Free Quote Now Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Third-party liability Problem: You’re driving to a worksite and accidentally rear-end a vehicle in front of you that stops suddenly, causing the driver of the other vehicle to suffer a whiplash neck injury and decides to sue you for pain and suffering. Outcome: Your third-party liability coverage will pay for the resulting court costs, settlements or expenses if you were at fault for the accident. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Collision or upset coverage Problem: You are driving home from work and are t-boned while driving through an intersection by another driver who ran a red light. Your vehicle is significantly damaged in the accident. Outcome: If you have optional collision or upset coverage as part of your policy, it will cover the costs associated with repairing your vehicle. How much of the damages it will cover is determined by whether... --- ### Press > Check out our latest press releases, news stories and media coverage. For press inquiries, please contact: media@zensurance.com - Published: 2021-10-05 - Modified: 2025-04-14 - URL: https://www.zensurance.com/press Zensurance Press and MediaFounded in 2016, Zensurance is a Toronto-based technology company and leading source for small business insurance in Canada. Through their highly regarded client support team and network of over 50 insurance providers, Zensurance empowers hundreds of thousands of small business owners, entrepreneurs, and independent professionals across hundreds of industries to get comprehensive, low-cost customized insurance solutions. For media inquiries, please contact us at media@zensurance. comAs featured in https://www. zensurance. com/wp-content/uploads/2021/06/Global-News-Logo-1. pnghttps://www. zensurance. com/wp-content/uploads/2020/05/canadian_underwriter_logo-1. pnghttps://www. zensurance. com/wp-content/uploads/2020/10/globe-and-mail-logo. pnghttps://www. zensurance. com/wp-content/uploads/2020/10/canadian-business. pnghttps://www. zensurance. com/wp-content/uploads/2020/05/financial_post_logo. pnghttps://www. zensurance. com/wp-content/uploads/2020/05/insurance_business_magazine_logo. png See our Media Coverage April 11, 2025 BNN Bloomberg Canadian exporters inquire on trade insurance as Trump's tariffs heighten risk April 11, 2025 Reuters Canadian exporters inquire on trade insurance as Trump's tariffs heighten risk March 21, 2025 Insurance Business Magazine How AI is ramping up cyber risks January 30, 2025 Toronto Star Why are smash-and-grab robberies becoming more common in Toronto? January 7, 2025 Insurance Business Insuring against the threats of artificial intelligence October 28, 2024 Canadian Underwriter How to overcome tech fatigue at your brokerage September 13, 2024 Auto Service World Survey finds small biz confidence August 23, 2024 Tech News Day Cyber security insurance myths and misconceptions August 23, 2024 Bridge City News Railway lockout’s impact on businesses August 22, 2024 Sudbury Star Rail impasse stresses Sudbury business community August 21, 2024 CKPG Today Business is booming for small businesses in Prince George August 16, 2024 Radio Cité Les petites entreprises canadiennes optimistes malgré les défis August 14,... --- ### Campground and RV Park Insurance > At Zensurance we simplify the process of getting campground and RV park insurance. Get a free quote, it's quick & easy! - Published: 2021-10-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/campground-and-rv-park-insurance Campground and RV Park Insurance Protect your campground or RV park from liability claims alleging third-party bodily injury or property damage. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Campground-Owner. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Campground-Owner. svgInsurance for campgrounds and RV parksCampground and RV park owners strive to ensure their visitors enjoy camping on their properties and leave with smiles and memories that last a lifetime. But, unfortunately, accidents and unforeseen events can happen without warning. Whether arising from visitors, employees, or the environment, protecting your campsite or RV park and its amenities demands a thoughtful risk-management strategy. Protect your campground or RV park from natural disasters or a lawsuit with a customized policy that addresses your risks and caters to your unique needs. Campground and RV park insurance is designed to cover the costs associated with damages to your property resulting from severe weather, as well as claims against your business alleging bodily injury or property damage. For example, if one of your visitors is injured or if their possessions are damaged on your property, you could be held liable. Every seasonal or year-round privately owned campground or RV park features unique attributes. Assess the potential risks associated with the amenities and features your business provides to its visitors, including: Swimming areas (pools and beaches) as well as docks or inflatables you rent Boat rentals such as jet skis, canoes, kayaks, and paddle boats Fishing and fishing gear rentals Playgrounds, mini-golf courses, tennis courts, horseshoe pits, picnic areas RV hookups for sewer, water, and electricity... --- ### Bar and Pub Insurance > At Zensurance we simplify the process of getting insurance for bars and pubs. Get a free quote, it's quick and easy! - Published: 2021-10-05 - Modified: 2023-08-17 - URL: https://www.zensurance.com/restaurant-insurance/bar-and-pub Bar and Pub Insurance Protect your bar or pub from liquor liability claims alleging third-party bodily injury or property damage. Liquor liability coverage can be added to apolicy to provide comprehensive protection for any establishment licensed to serve alcoholic beverages. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/08/Bar-Owner. svghttps://www. zensurance. com/wp-content/uploads/2023/08/Bar-Tender. svgInsurance for bars and pubsBars and pubs are a go-to destination for many Canadian consumers to socialize with friends while enjoying alcoholic beverages. However, bar and pub owners face risks serving alcohol, including intoxicated customers and poor liquor serving practices. These risks can potentially lead to lawsuits or third-party liability claims should one of your patrons get injured, injure someone else, or damage property after getting intoxicated in your establishment. Adding liquor liability coverage to your restaurant insurance policy may help cover any claims arising from a customer’s negligent actions while they are intoxicated. Liquor liability coverage is designed to cover the costs associated with claims against your bar or pub alleging third-party bodily injury or property damage due to an intoxicated patron. Your employees must be licensed to serve alcohol by provincial liquor service and sales programs such as Smart Serve in Ontario or ProServe in Alberta. If one of your customers becomes intoxicated at your establishment and injures themselves or others – whether the incident occurred at your bar or pub or elsewhere – you or your employees may be held liable. Any establishment or its employees involved with serving alcoholic beverages may be held liable for damages or... --- ### Partner - ESM > Zensurance and ESM have partnered to offer ESM members savings on business insurance packages. - Published: 2021-10-05 - Modified: 2023-06-02 - URL: https://www.zensurance.com/esm https://www. zensurance. com/wp-content/uploads/2021/10/es. webp Welcome, ESM Members! ESM and Zensurance have partnered to help you save on a tailored business insurance package. Our products are specially designed for businesses at any stage across 100s of industries to ensure you get the coverage you need. Get a Free Quote What is Business Insurance? Business insurance protects business owners from losses due to unforeseen events that may occur during day-to-day business operations, including third-party property damage, bodily injuries, or failure to deliver a service as promised. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does Business Insurance cover? Every business is unique, and insurance requirements may vary by specialization; however, a comprehensive policy package will typically include the following coverages: Commercial General Liability Insurance (CGL) Professional Liability Insurance Product Liability Insurance Commercial Property Insurance Cyber Liability Insurance Directors and Officers Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs Business Insurance? Regardless of size or industry, insurance is critical for the long-term survival of your business. Business insurance provides coverage for the financial costs associated with unforeseen events such as damage caused to third parties, accusations of professional negligence or defective products. Your business is unique and your coverage will vary. Speak with one of our brokers to find a policy to suit your needs. Read about four examples where insurance saved a startup. https://www. zensurance. com/wp-content/uploads/2019/06/get-insurance-and-save-zensurance. svg What is the cost of Business Insurance? Your insurance premium cost varies based on factors such as specialization, services, and annual revenue. You can anticipate premiums... --- ### Partner - Borrowell > Zensurance and Borrowell have partnered to offer Borrowell members savings on business insurance packages. Get a free quote today! - Published: 2021-10-01 - Modified: 2023-06-02 - URL: https://www.zensurance.com/borrowell https://www. zensurance. com/wp-content/uploads/2021/10/Borrowell_logo. webp Welcome, Borrowell Members! Borrowell and Zensurance have partnered to help you save on a tailored business insurance package. Our products are specially designed for businesses at any stage across 100s of industries to ensure you get the coverage you need. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/10/bz-1. png What is Business Insurance? Business insurance protects business owners from losses due to unforeseen events that may occur during day-to-day business operations, including third-party property damage, bodily injuries, or failure to deliver a service as promised. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svgWhat does Business Insurance cover? Every business is unique, and insurance requirements may vary by specialization; however, a comprehensive policy package will typically include the following coverages: Commercial General Liability Insurance (CGL) Professional Liability Insurance Product Liability Insurance Commercial Property Insurance Cyber Liability Insurance Directors and Officers Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svgWho needs Business Insurance? Regardless of size or industry, insurance is critical for the long-term survival of your business. Business insurance provides coverage for the financial costs associated with unforeseen events such as damage caused to third parties, accusations of professional negligence or defective products. Your business is unique and your coverage will vary. Speak with one of our brokers to find a policy to suit your needs. Read about four examples where insurance saved a startup. https://www. zensurance. com/wp-content/uploads/2019/06/get-insurance-and-save-zensurance. svgWhat is the cost of Business Insurance? Your insurance premium cost varies based on factors such as specialization, services, and annual revenue. You can anticipate premiums... --- ### Film Production Insurance > At Zensurance we simplify the process of getting Film Production Insurance. Get a free quote, it's quick and easy! - Published: 2021-09-27 - Modified: 2023-02-14 - URL: https://www.zensurance.com/film-production-insurance Film Production Insurance Whether you're producing a commercial or movie, protect your business from unforeseen accidents with film production insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/02/Film-Production-m. svghttps://www. zensurance. com/wp-content/uploads/2022/07/Videographer. svgInsurance for film productionFrom the outside looking in, working in the film industry looks like a lot of fun. It’s an opportunity to work at various exciting locations, build beautiful sets, capture incredible scenes and create fantastic special effects. But, “behind the scenes,” there’s a lot for which a film production crew can be liable. The physical nature of the business means you and your team could be responsible for various injuries and damage that could occur due to your production. For example, a passer-by tripping on your set or a crew member causing damage to a third party’s vehicle when moving equipment. At Zensurance, we know there are many moving parts in film production; let us help you find the best coverage for your business. Film production insurance is a policy package designed to protect film production teams (cast and crew) against specific risks associated with producing a film production, such as injury or damage to a third party or their property, or against accusations of professional neglect. We’ve insured more than 1,000 film production professionals. Some of our clients include: Film producers and crews Freelance videographers Video production studios Post-production studios A film production insurance policy will typically include the following coverages: Commercial General Liability Insurance (CGL): CGL can protect film production teams against common claims or lawsuits alleging third-party... --- ### Soap Maker Insurance > At Zensurance we simplify the process of getting Soap Maker Insurance. Get a free quote, it's quick & easy! - Published: 2021-09-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/soap-maker-insurance Soap Maker Insurance If you produce or sell soap products, it’s important to protect yourself against the potential risks of running a business with soap maker insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Soap-Maker. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Soap-Maker. svgInsurance for soap makersHandmade soaps bring joy to customers and soap makers alike – especially those with organic ingredients or elaborate designs. They can be therapeutic to produce, a popular gift-giving idea, or an inexpensive luxury for your customers. While soap making doesn’t seem like a hazardous venture, many things can happen beyond your control – potentially leaving your business in a financial predicament. That’s why it’s essential to protect yourself, your customers, and your business with soap maker insurance. A soap maker insurance policy package protects soap makers against the risks of making, distributing, or selling soap. It provides coverage for product and liability-related accidents that cause losses such as third-party injuries or property damage. Soap maker insurance combines several insurance policies to provide comprehensive coverage. Typically, you can expect soap maker insurance to include the following coverages: Commercial General Liability Insurance (CGL): CGL covers your business against general risks that you may encounter, such as third-party bodily injury or property damage. For example, say you’re selling soap at a local craft fair, and a beam from your tent falls and hits a customer on the head. Should the customer file a claim against you, CGL could cover the medical fees and legal expenses, regardless of the lawsuit’s outcome. Product Liability Insurance: Product liability coverage is... --- ### Amazon Seller Insurance > Save up to 35% off on Amazon seller insurance. Protect your Amazon e-commerce business from product liability risks. - Published: 2021-09-22 - Modified: 2024-07-26 - URL: https://www.zensurance.com/amazon-seller-insurance Amazon Seller Insurance Coverage Available For Canadian Domiciled Sellers OnlyProduct liability insurance for Amazon sellers provides financial protection for retailers from the risks and costs associated with third-party claims or lawsuits. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Amazon-Seller. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Amazon-Retailer. svg Product liability insurance for Amazon sellers Whether you use Fulfillment by Amazon (FBA) or Fulfillment by Merchant (FBM) to deliver your products to customers, Amazon requires all sellers to carry insurance. Product liability insurance is designed for any business that sells, manufactures, or distributes a product to consumers. It is essential coverage for online retailers, e-commerce businesses, and brick-and-mortar stores because it protects against claims alleging third-party property damage or bodily injury caused to the buyer by any product you sell, manufacture, or distribute. Yes.   As of September 1, 2021, Amazon requires all sellers to carry liability insurance who earn more than $10,000 in monthly sales. Amazon seller insurance from Zensurance helps Canadian retailers meet Amazon’s insurance requirements, including: A policy with a limit of at least $1 million per occurrence and in aggregate covers liabilities caused by or occurring in conjunction with your business operations, including products, property damage, and bodily injury. The insurance policy type can be either commercial general liability, umbrella, or excess liability and be occurrence-based. Whether your business is a private label seller, wholesaler, or retail shop that uses Amazon or any online marketplace, including eBay, Etsy, and Wayfair, it’s vital to safeguard your company against any unknown risks that may arise. A comprehensive Amazon sellers... --- ### Kelowna Business Liability Insurance > At Zensurance we simplify the process of getting business insurance in Kelowna. Get a free quote, it's quick and easy! - Published: 2021-09-22 - Modified: 2024-10-08 - URL: https://www.zensurance.com/kelowna-business-liability-insurance Business Insurance - Kelowna Zensurance helps Kelowna small businesses stay protected with competitive quotes on business liability insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2020/01/British-Columbia-Business-Liability-Insurance. svg Partnerships with over 50 leading Canadian insurance providers https://www. zensurance. com/wp-content/uploads/2019/06/chubb-small-business-insurance. svghttps://www. zensurance. com/wp-content/uploads/2019/06/beazley-commercial-insurance-canada. svghttps://www. zensurance. com/wp-content/uploads/2019/06/portage-mutual-insurance-for-small-business. svghttps://www. zensurance. com/wp-content/uploads/2019/07/Lloyds_of_London_logo. svghttps://www. zensurance. com/wp-content/uploads/2019/06/travelers-logo. svg Commercial insurance tailored for your business Business Liability insurance protects Kelowna business owners from losses due to unforeseen events that may occur during normal business operations such as property damage, errors or injuries. There are many types of insurance for businesses that protect them according to their industry, size and revenue. Some of these types include general liability insurance, errors and omissions insurance or directors & officers liability insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does business liability insurance cover? While business insurance is not an insurance type per se, it is usually used as an umbrella term to refer to commercial general liability insurance and all the business insurance sub-types. Explore the following insurance policies for specific coverage information:​ Commercial General Liability Insurance (CGL) Professional Liability Insurance (also known as Errors and Omissions) Commercial Property Insurance Commercial Auto Insurance Cyber Insurance Directors and Officers Insurance Product Liability Insurance Special Event Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs business liability insurance? Regardless of your business type, owning insurance is critical for the long-term survival of any business. Cover the financial costs associated with unforeseen events such as damage caused to 3rd parties, accusations of professional negligence or defective products. Here are... --- ### Vendor Insurance > At Zensurance we simplify the process of getting Vendor Liability Insurance. Get a free quote, it's quick & easy! - Published: 2021-09-14 - Modified: 2024-04-23 - URL: https://www.zensurance.com/vendor-insurance Vendor InsuranceProtect yourself and the products you sell with Vendor Insurance. Comprehensive coverage for vendors selling items at food and farmers' markets, craft fairs and many other types of events.  Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Food-Vendor. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Arts-Vendor. svgInsurance for vendorsPreparing to exhibit at an event takes effort. You have to make travel plans, organize marketing collateral for your booth, and ensure you have enough goods to sell. Even if you’re an experienced vendor, preparing beforehand can be demanding. You work hard to ensure everything is ready for your event, but protecting your business against the unexpected is also crucial. That’s where we come in: Zensurance helps vendors get the tailored insurance coverage they need to protect their businesses. Vendor insurance is designed to protect vendors against risks associated with producing and selling merchandise at events such as farmers’ markets, arts & craft shows, and trade shows. Vendor insurance combines several coverages to provide comprehensive protection all vendors need. Typically, an insurance package for vendors will include the following coverages: Product Liability Insurance: Product Liability coverage is essential for vendors that manufacture, distribute, or sell any products, including food. This type of coverage provides financial protection against claims of alleged property damage or bodily injury that was directly caused by your product. Three of the common reasons for product liability claims are a design defect (the design of the product is unsafe or faulty), a manufacturing defect (an error occurs while the product was being made), or a marketing... --- ### Zensurance Careers > Looking for a fun and rewarding career at cutting a edge digital business insurance company? Open positions availabile at Zensurance, apply today! - Published: 2021-09-13 - Modified: 2024-12-03 - URL: https://www.zensurance.com/careers Zensurance Careers Join our team and help us continue to transform the Canadian small business insurance landscape See Open Positionshttps://www. zensurance. com/wp-content/uploads/2023/08/Careers-Zensurance. pnghttps://www. zensurance. com/wp-content/uploads/2023/07/Careers-Graphic2_What-is-Zensurance-. svg What Is Zensurance? Zensurance is Canada’s leading source for small business insurance dedicated to serving small business owners, entrepreneurs, independent contractors, and self-employed professionals in hundreds of industries. We specialize in helping them find the low-cost business insurance they need. Utilizing our in-house proprietary technology, our licensed brokers shop our partner network of more than 50 insurance providers to find and customize the policies our customers need so they can thrive and grow. Learn About Zensurance Why Join Zensurance? At Zensurance, you’ll thrive and grow your career in a dynamic culture of inclusion, flexibility, and data-driven performance. We empower our people to achieve goals for our customers, colleagues, and communities and grow and enhance their careers. Our employee perks include:Competitive salary and bonus programsFull-time remote work optionsComprehensive health, vision, and dental coverage from day one Healthcare and personal spending account Parental leave top-up policy Education assistance program Office supplies subsidy “Office in a box” shipped to your door with all the tech equipment you need Employee recognition, company social events, hackathons, swag, town halls, and much more! Available Positions by Department PHNjcmlwdCB0eXBlPSd0ZXh0L2phdmFzY3JpcHQnIHNyYz0naHR0cHM6Ly9hbmRyZWFzbWIuZ2l0aHViLmlvL2xldmVyLWpvYnMtZW1iZWQvaW5kZXguanMnPjwvc2NyaXB0PjxkaXYgaWQ9J2xldmVyLWpvYnMtY29udGFpbmVyJz48L2Rpdj48c2NyaXB0IHR5cGU9J3RleHQvamF2YXNjcmlwdCc+d2luZG93LmxldmVySm9ic09wdGlvbnMgPSB7YWNjb3VudE5hbWU6ICd6ZW5zdXJhbmNlJywgaW5jbHVkZUNzczogdHJ1ZX07PC9zY3JpcHQ+PHNjcmlwdCB0eXBlPSd0ZXh0L2phdmFzY3JpcHQnIHNyYz0naHR0cHM6Ly9hbmRyZWFzbWIuZ2l0aHViLmlvL2xldmVyLWpvYnMtZW1iZWQvaW5kZXguanMnPjwvc2NyaXB0PgoKCg==PGEgbmFtZT0icG9zaXRpb25zIj48L2E+ Employee Reviews on Glassdoor https://www. zensurance. com/wp-content/uploads/2023/07/Careers-Graphic4_Star-Rating. svg 97% of current and former employees approve of our CEO 87% have a positive outlook of the company 89% recommend working at Zensurance Read our employee reviews on Glassdoorhttps://www. zensurance. com/wp-content/uploads/2023/05/Our-Mission. svg Our Mission... --- ### How Much Does Errors and Omissions Insurance Cost? > How much is Errors and Omissions Insurance? Learn the various risk factors that will determine the E&O cost for your business. - Published: 2021-09-10 - Modified: 2023-10-10 - URL: https://www.zensurance.com/errors-and-omissions-insurance/cost Errors and Omissions Insurance Cost Learn about how much E&O insurance coverage you need to protect yourself from potential errors and negligence.   Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/Commercial-Liability-Insurance-Zen-Woman. svg Errors and Omissions Insurance Errors and Omissions Insurance (E&O) goes by many names, Professional Liability, Professional Indemnity Insurance and, in some industries, Malpractice Insurance. While there are many ways to describe it, it has one essential purpose for business professionals. It provides financial protection if an unhappy client claims your service wasn’t sufficient and it directly caused them a negative outcome (such as bodily injury or financial loss). These claims can arise out of alleged negligence, misconduct, misrepresentation, omissions, for example. Moreover, E&O Insurance provides coverage for defence costs even when you can prove there was no actual wrongdoing or guilty of the claim. Now, you may be thinking, “my clients love working with me. They’d never file a lawsuit,” or “my business is small; there’s really no risk of a lawsuit. ” Sadly, many small businesses learn the hard way that lawsuits are more common than they assume. Worse still, these lawsuits can be financially crippling, costing tens of thousands or even millions of dollars. So how much does it cost to protect your professional actions? Thankfully, it can be affordable given the extent of coverage it offers. Here’s the breakdown of how much E&O insurance could be for your business. How much does E&O Insurance cost? The cost of an E&O Insurance policy varies widely based on your... --- ### Tools and Equipment Insurance > At Zensurance we simplify the process of getting tools & equipment insurance for contractors. Get a free quote, it's quick & easy! - Published: 2021-09-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/contractor-insurance/tools-and-equipment Tools & Equipment Insurance for Contractors Get the coverage you need to protect your most important tools & equipment. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2020/06/Roofing-Insurance. svg Why Choose Zensurance? We help Canadian business owners save time and money by providing a convenient and affordable way to buy business insurance. Purchase your insurance anytime, anywhere, with our easy-to-use online platform. Compare rates across leading insurance companies to ensure you get the best price on your premium. We use data and analytics to identify the right insurance policies for your business. Get a Free Quote Now Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: You’re an electrician installing electrical wiring into a new shopping plaza. You left your hand tools secured in the building overnight and realized your tools had been stolen when you returned the following day. Outcome: Your ContractorsTool Cover Insurance policy may cover the cost to replace the stolen tools, totalling $1,400. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: You’re a mechanic fixing the engine on a car. While working on the car, you drop a heavy tool on a nearby air compressor which damages the motor, making it unusable. Outcome: Your Tools and Equipment Insurance policy may cover the cost to repair the air compressor’s engine, totalling $2,400. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: Your small construction company is building an extension on a home. The site got vandalized while you were out for lunch, and your bulldozer was broken beyond repair. Outcome: Your Construction Equipment Insurance may cover the costs of repairing the bulldozer, totalling $10,000. Tools & Equipment Insurance, Explained. What... --- ### Physiotherapy Insurance > At Zensurance we simplify the process of getting professional liability insurance for physiotherapists. Get a free quote, it's quick and easy! - Published: 2021-08-25 - Modified: 2022-10-17 - URL: https://www.zensurance.com/physiotherapy-insurance Physiotherapy Liability Insurance Physiotherapy liabilityinsurance is necessary to protect you and your clinic from claims by patients due to alleged negligence or accidental circumstance Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/11/Physiotherapist. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Physiotherapy. svgInsurance for physiotherapistsPhysiotherapists provide an essential health care service for the thousands of Canadians who require rehabilitation due to an accident, injury or illness. And while physiotherapists work hard to improve their patients’ strength and overall wellness, there’s always a chance things won’t work out perfectly. Each patient’s physical ailment is unique and often complex. A misdiagnosis or improper treatment can exacerbate an existing injury, or worse still, cause an additional injury. As a physiotherapist, you have specific risks to consider. We’re here to help protect you and your clinic. Physiotherapy insurance is a specialized liability policy package that protects against the common risks of practicing as a physiotherapist. Professional liability insurance is mandatory throughout Canada, and regulatory colleges set liability insurance limits for each province. Insurance for physiotherapists could include several coverages which make up the policy package. Most importantly, physiotherapy insurance includes Medical Malpractice Insurance. This is a type of professional liability insurance that covers the legal costs, medical fees and other related fees from claims of negligence that result in causing third-party bodily injury. Common claims typically fall within the following areas: Failure to attend to a patient; Failures in diagnosis; Failures in referral or consultation; Failure to protect or warn third parties; or, Substandard treatment Suppose you’re helping a patient regain strength in their... --- ### Drone Insurance > At Zensurance we simplify the process of getting Drone Insurance. Get a free quote, it's quick and easy! - Published: 2021-08-24 - Modified: 2023-03-30 - URL: https://www.zensurance.com/drone-insurance Drone Insurance Drone liability insurance protects commercial drone operators from third-party risks and unforeseen accidents. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/03/Drone-Operator. svghttps://www. zensurance. com/wp-content/uploads/2023/03/Drone-Professional. svgInsurance for dronesWhile an increasing number of businesses use drones, there’s a reason we’re not seeing them fly all over the place as if they’re birds in the sky – they can pose a hazard to people and property below their flight path. They can also cause issues for other flying objects such as planes. For now, drones have a relatively small flight radius and are kept within eyesight for safety. But there are still risks – if you’re using a drone for commercial purposes, chances are you need to fly a drone over people or somebody else’s property. You can make every effort to ensure you’re piloting a drone safely, but accidents happen, and they can be costly. It is essential to protect your business against flying risks with drone liability insurance. Drone insurance is a specialized policy that protects commercial drone operators from third-party liabilities such as property damage or bodily injury, along with equipment coverage protection in the event of theft or damage. It’s also important to note that most standard commercial liability insurance policies exclude drone use, so you must obtain additional drone coverage. Typically a drone insurance policy will include the following coverages: Commercial General Liability Insurance (CGL):  Also known as Commercial Drone Liability Insurance, CGL protects your business against third-party bodily injury or property damage claims that you’re alleged to have... --- ### Partner - Jane > Zensurance and Jane have partnered to offer Jane Members savings on commercial insurance for their business. - Published: 2021-08-20 - Modified: 2022-12-14 - URL: https://www.zensurance.com/jane https://www. zensurance. com/wp-content/uploads/2021/08/jane-app-logo-2. png Welcome Jane Members! Canada's leading digital insurance brokerage, Zensurance has partnered with Jane to provide savings of up to 35% off on business insurance for their members.  Get your free quote today! It’s easy and takes only a few minutes. Join over 100,000 Canadian businesses that are already protected! Get Exclusive Quote for FREEhttps://www. zensurance. com/wp-content/uploads/2019/08/Health-Wellness-Business-Insurance. svg --- ### Partner - RevolutionHER > Zensurance and RevolutionHER have partnered to offer RevolutionHER members savings on business insurance packages. - Published: 2021-08-12 - Modified: 2023-06-02 - URL: https://www.zensurance.com/revolutionher https://www. zensurance. com/wp-content/uploads/2021/08/revolutionher_logo_full. png Welcome, RevolutionHER Members! RevolutionHER and Zensurance have partnered to help you save on a tailored business insurance package. Our products are specially designed for businesses at any stage across 100s of industries to ensure you get the coverage you need. Get a Free Quote What is Business Insurance? Business insurance protects business owners from losses due to unforeseen events that may occur during day-to-day business operations, including third-party property damage, bodily injuries, or failure to deliver a service as promised. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does Business Insurance cover? Every business is unique, and insurance requirements may vary by specialization; however, a comprehensive policy package will typically include the following coverages: Commercial General Liability Insurance (CGL) Professional Liability Insurance Product Liability Insurance Commercial Property Insurance Cyber Liability Insurance Directors and Officers Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs Business Insurance? Regardless of size or industry, insurance is critical for the long-term survival of your business. Business insurance provides coverage for the financial costs associated with unforeseen events such as damage caused to third parties, accusations of professional negligence or defective products. Your business is unique and your coverage will vary. Speak with one of our brokers to find a policy to suit your needs. Read about four examples where insurance saved a startup. https://www. zensurance. com/wp-content/uploads/2019/06/get-insurance-and-save-zensurance. svg What is the cost of Business Insurance? Your insurance premium cost varies based on factors such as specialization, services, and annual revenue. You can anticipate premiums... --- ### Office Insurance > At Zensurance we simplify the process of getting insurance for your commercial office. Get a free quote, it's quick and easy! - Published: 2021-07-29 - Modified: 2022-10-17 - URL: https://www.zensurance.com/office-insurance Office Insurance Whether you own an office, lease within a building, or operate from a home office, we can help you get the right insurance coverage for your business. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/11/Office-owner. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Office-Landlord. svgInsurance for officesFrom the outside, an office can easily look like many other buildings – quiet, modest and sometimes nondescript. But behind those four walls, a lot is happening. There are accountants, customer service representatives, salespeople, IT technicians, marketing teams, all working together to achieve great things for their business. From fire or theft to client slip-and-falls, it’s essential to have coverage for your business to protect from the realities of the day-to-day risks that can occur in any office space. Office insurance consists of several commercial insurance policies that protect you against the day-to-day risks of running a business within an office space or even an office at home.   An office insurance policy can be customized to provide the proper coverage for your specific needs, whether it’s protecting physical properties or covering for injury-related liabilities. Below, we’ve listed the common coverages found within an office insurance package. Please note, due to the variety of business types found behind the doors of an office, not all coverages may be applicable to your business. Alternatively, you may need additional coverages not listed here. Commercial General Liability Insurance (CGL):  CGL protects your business against third-party bodily injury or property damage claims that you’re alleged to have caused. An accident can be as simple as... --- ### Golf Course Insurance > At Zensurance we simplify the process of getting Golf Course Insurance. Get a free quote, it's quick and easy! - Published: 2021-07-16 - Modified: 2024-04-23 - URL: https://www.zensurance.com/sports-insurance/golf-course Golf Course Insurance Golf course insurance is a specialized sports business coverage that protects you and your golf club from potential liabilities such as property damage and bodily injury. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Golf-Course-Owner. svg Insurance for golf courses Owning a golf course or being a golf instructor has many benefits – you get to work in a picturesque environment, experience players improving their form over time and maybe even host a tournament. But most importantly, you're probably passionate about the game and love what you do! But as with any business, there are challenges as well. You may have to deal with members mishandling your expensive equipment, experience extreme weather conditions on your course, and encounter golf-related injuries. Golf businesses also need to ensure they're covered for professional liability – while owners and instructors aren't typically liable for accidents caused by a poorly played game, they can be liable should they not provide a service as promised. Thankfully, protecting your course with Golf Insurance isn't as difficult as breaking par. At Zensurance, it's our mission to make commercial insurance as accessible as possible. We've helped more than 100,000 entrepreneurs protect their businesses with insurance policies that are designed to cover their needs. Here are the basics of what you should know about Golf Course Insurance. What is golf course insurance? Golf course insurance policy packages are specially designed to protect golf course owners and golf instructors against professional and general risks specific to operating a golf business. This... --- ### Psychologist Insurance > At Zensurance we simplify the process of getting Profesional Liability Insurance for psychologists. Get a free quote, it's quick & easy! - Published: 2021-07-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/psychologist-insurance Psychologist Liability Insurance Professional liability insurance for psychologists protects you from potential risks resulting in lawsuits against your practice. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/11/Psychologist. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Psychologist. svgLiability insurance for psychologistsYour patients depend on your expertise, detailed advice, and communication that ensures their health concerns are appropriately treated. With that being said, there are plenty of things that could go wrong, even with the most diligent care and attention. You can run into errors in your treatment decisions and face accusations of negligence. Anyone working as a psychologist in Canada should protect themselves with a Professional Liability Insurance policy. It will give you better peace of mind, and, more importantly, it may provide significant financial protection if there is a lawsuit filed against your practice. Psychologist insurance, also known as Professional Liability Insurance, protects psychologists with financial coverage against legal allegations of wrongdoing, negligence or errors and omissions. This policy can cover legal claims, defence fees with extended coverage options for general risks, such as third-party property damage and bodily injury claims. As a psychologist, consider the following insurance coverages as part of your risk management strategy: Professional Liability Insurance: Also known as Errors and Omissions Insurance (E&O), this coverage protects psychologists against claims from clients alleging negligence, errors or misconduct in their professional duties. Suppose you asked your receptionist to organize a patient’s confidential dossier, including session recordings and personal health files. When booking their next appointment, the client notices your receptionist looking through their files and gets very upset with... --- ### Life Insurance Agents - E&O > At Zensurance we simplify the process of getting E&O Insurance for Life Insurance Agents. Get a free quote, it's quick & easy! - Published: 2021-07-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/life-insurance-agents-eo E&O Insurance for Life Insurance Agents Get a competitive E&O Insurance quote that meets provincial requirements to operate as a life insurance agent in Canada. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/07/Consultant-Insurance-Man. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Life-Agent. svgInsurance for life agentsAs a life insurance agent, you play a crucial role in ensuring a life insurance package is suitable for your client’s needs and accurately informed on the coverages offered. While you’re likely extra cautious in your wording and use your expertise to answer their questions, there’s always a risk that you miss out on an important detail or accidentally provide incorrect advice. That’s why it’s crucial to protect yourself, your clients, and your business with E&O Insurance. Life insurance agents have unique risks and need insurance that’s focused on covering specific liabilities. At Zensurance, we’ve helped more than 100,000 entrepreneurs protect their businesses with insurance policies designed to cover their particular needs. Below you’ll find helpful information to answer your top questions about E&O Insurance for life insurance agents. E&O (errors and omissions) is a policy that protects life insurance agents from legal claims related to allegations of negligence. This includes causing financial loss due to a service you provided, as well as coverage for lawsuits alleging errors in the information provided, misconduct or failure to deliver services. To protect your business against the risks you are most likely to face as a life insurance agent, consider the following coverages as part of your risk assessment strategy: Errors and Omissions Insurance (E&O): Also known... --- ### Home Inspector Insurance > At Zensurance we simplify the process of getting home inspector insurance. Get a free quote, it's quick & easy! - Published: 2021-06-25 - Modified: 2022-10-17 - URL: https://www.zensurance.com/home-inspector-insurance Home Inspector Insurance Comprehensive liability insurance package specifically designed for Canadian home inspectors. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Home-Inspector. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Home-Inspection. svgInsurance for Home InspectorsAs a home inspector, you’re a professional when it comes to focusing on the details. Still, there are times when elements can be accidentally missed, and that can be financially detrimental to a home purchase decision. Plus, there’s the risk that an accident could happen beyond your control – such as accidental property damage or bodily injury.   It’s always important to protect yourself, your clients, and your business with proper liability insurance. At Zensurance, we know your business is unique in its offerings, and it’s our mission to make insurance as accessible as possible. Learn more about the basics of insurance for home inspectors. Home Inspector Insurance protects home inspection professionals against specific risks associated with the duties and responsibilities that come with the job. An insurance package consisting of general liability and errors and omissions policies providing financial coverage for your business from third-party liability or bodily injury claims. In addition to claims against alleged professional misconduct, such as negligence, errors or failure to deliver in your inspection service. To protect your business against the risks you are most likely to face as a home inspector, consider the following coverages as part of your risk assessment strategy: Errors and Omissions Insurance (E&O): This coverage protects home inspectors against claims from clients alleging they’ve experienced financial loss because of a service you provided. Claims... --- ### Oil and Gas Consultant Insurance > At Zensurance we simplify the process of getting insurance for oil and gas consultants / contractors. Get a free quote, it's quick & easy! - Published: 2021-06-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/oil-and-gas-consultant-insurance Oil and Gas Consultant Insurance Prevent mistakes and errors from spilling into your business with Oil and Gas Consultant Insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Oil-and-Gas-Consultant. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Oil-Gas-Consultant. svgInsurance for Oil and Gas ConsultantsAs an oil and gas consultant, large oil corporations, oilfield service companies and other energy-related businesses rely on your expertise to build resilience and reduce risk throughout their processes. You might help organizations find ways to maximize the value within oil reserves, deploy the latest automation solutions or even offer new strategies to support alternative energy sources. Despite every precaution you take, there is always a risk that an accident could happen or your professional advice is erroneous. It’s important to protect yourself, your clients, and your business with proper insurance coverage. Oil and Gas Consultant Insurance is a policy package designed to accommodate the full range of consulting services you may provide within the industry. This coverage can provide financial protection against specific risks associated with consulting, such as negligence, errors and omissions that result in third-party losses. This insurance package can extend coverage for more generalized risks, such as third-party property damage and bodily injury. We believe a comprehensive policy for your business should cover the risks you are most likely to face. Those risks will vary by your specific services within the oil and gas industry; however, the following core coverages apply to most businesses: Professional Liability Insurance: As an oil and gas consultant, Professional Liability Insurance is essential to protect yourself from liabilities associated... --- ### Accessibility > Zensurance is dedicated to providing accessible services and work environment for all employees, prospective employees, and clients. This policy outlines the company’s compliance with Parts I and III of the Integrated Accessibility Standards Regulation (IASR) set forth under the Accessibility for Ontarians with Disabilities Act, 2005 (AODA). - Published: 2021-06-22 - Modified: 2023-06-22 - URL: https://www.zensurance.com/accessibility Accessibility for Ontarians With Disabilities AODA Employment Standards Policy Zensurance is dedicated to providing accessible services and work environment for all employees, prospective employees, and clients. This policy outlines the company’s compliance with Parts I and III of the Integrated Accessibility Standards Regulation (IASR) set forth under the Accessibility for Ontarians with Disabilities Act, 2005 (AODA). This policy ensures Zensurance provides services and employment practices that follow the principles of dignity, independence, integration, and equal opportunity. Definitions      Accessible format:Includes large print, recorded audio and electronic formats, braille, and other formats usable by persons with disabilities. Communication supportsIncludes captioning, alternative and augmentative communication supports, plain language, sign language, and other supports that facilitate effective communication. Information:Includes data, facts, and knowledge that exists in any format, including text, audio, digital, or images, and conveys meaning. Career development and advancement:Additional responsibilities within an employee’s current position and the movement of an employee from one job to another in an organization or any combination of them. Both additional responsibilities and employee movement are usually based on merit, seniority, or a combination of both. Performance management:Activities related to assessing and improving employee performance, productivity, and effectiveness with the goal of facilitating employee success. Redeployment:The reassignment of employees to other departments or jobs within the organization as an alternative to layoff, when a particular job or department has been eliminated by the organization. Support person:In relation to a person with a disability, another person who accompanies a person with a disability in order to help with communication, mobility,... --- ### Sole Proprietorship Insurance > Protect your sole proprietorship with business insurance for as low as $19 per month. Get your free online quote today! - Published: 2021-06-22 - Modified: 2023-09-12 - URL: https://www.zensurance.com/sole-proprietorship-insurance Sole Proprietorship Insurance Get a free custom liability insurance quote for your sole proprietorship business today. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/06/Sole-Proprietor. svg https://www. zensurance. com/wp-content/uploads/2022/08/Self-Employed. svgLiability insurance for sole proprietorshipAs a sole proprietor, you’re used to wearing many different hats to get the job done. You look after every aspect of your business and enjoy the perks of working on your own, under your terms. If you’re just starting out your own business or working as a freelancer full-time, it’s vital to ensure you are set up for success. Some independent business owners assume their home insurance can cover their business activities. The reality is, that most homeowner’s policies exclude business-related claims or have a low monetary limit that won’t provide adequate coverage. Furthermore, as a sole proprietor, there isn’t a separate legal entity between your personal and business assets. In simple terms, this means you’re responsible for all the risks of your business – and those can extend to your personal property and assets. Scary stuff, and that’s why it’s important to protect your business. Specifically designed for the bustling solopreneur, sole proprietorship insurance is a policy package that protects against risks associated with operating an unincorporated business, such as negligence, third-party injuries or property damage. This coverage is designed to provide liability coverage for sole proprietors across many different industries. Different businesses have different risks; for example, a freelance writer or designer won’t require the same type of coverage as an independent construction contractor such as a plumber or... --- ### Life Coach Insurance > At Zensurance we simplify the process of getting Life Coach Insurance. Get a free quote, it's quick and easy! - Published: 2021-06-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/life-coach-insurance Life Coach Insurance Life coach insurance coverage offers protection against legal claims by patients alleging negligence and third-party injury. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/11/Life-Coach. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Coach. svgInsurance for life coachesAs a life coach, people rely on your expertise for various reasons, and they look to you to improve some aspects of their life. Whether you offer coaching within a niche or have a broad focus, there is always a risk to providing professional advice, which is why it’s essential to have the right coach liability insurance policy. When you’re a life coach, you could be held liable for almost any negative impact your services have on your clients. As there are various specialties found within coaching, different factors, such as industry and location, must be considered to find the perfect coverage for you. Life coach insurance is a policy package designed to accommodate the full range of wellness consulting services and protect against specific risks associated with them, such as negligence, errors, omissions, or third-party damages. A comprehensive policy for your life coaching business should cover the risks you are most likely to face. Those risks will vary by service, industry, and product; however, the following coverages apply to most coaches: Professional Liability Insurance: Also known as Errors and Omissions Insurance, Professional Liability Insurance protects life coaches against client claims alleging financial loss due to a service you provided, as well as lawsuits alleging negligence, misconduct, and failure to deliver services as promised. For example, if you’re coaching someone... --- ### Chiropractic Malpractice Insurance > At Zensurance we simplify the process of getting Chiropractic Malpractice Insurance. Get a free quote, it's quick and easy! - Published: 2021-06-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/chiropractic-malpractice-insurance Chiropractic Malpractice Insurance If you are a chiropractor, Malpractice Insurance (Professional Liability) is critical coverage to protect you from injury claims by patients due to alleged negligence or accidental circumstances. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/11/Chiropractor. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Chiropractor. svgInsurance for chiropractorsMore and more people realize the positive impacts of natural alternatives to deal with chronic pains. Therefore, chiropractors are in huge demand right now. And while chiropractors are advocates for wellness, there’s always a chance things won’t always go well. When your business includes hands-on alignment of patients, there is always an element of risk involved. As a chiropractor, you have unique risks to consider, and we’re here to help protect you. Zensurance has helped over 100,000 entrepreneurs protect their businesses with insurance policies that are right for them. We’re on a mission to make insurance easy to understand and be transparent about the correct coverage details. Below, we answer the top questions about chiropractor malpractice insurance. Chiropractic malpractice insurance (also known as Professional Liability Insurance) is a type of coverage that protects chiropractors and related practitioners against claims related to negligence or errors that leads to treatment-related patient injuries. Professional Liability Insurance is a policy that can cover the legal costs and medical fees from claims of negligence that result in causing third-party bodily injury. Common malpractice accidents typically fall within the following areas: Failure to attend to a patient; Failures in diagnosis; Failures in referral or consultation; Failure to protect or warn third parties; or, Substandard treatment Many... --- ### Candle Maker Insurance > At Zensurance we simplify the process of getting Candle Maker Insurance. Get a free quote, it's quick and easy! - Published: 2021-06-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/candle-maker-insurance Candle Maker Insurance Whether you operate a candle shop or you sell products online, protect yourself against potential liabilities with candle maker insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/10/Candle-Maker. svghttps://www. zensurance. com/wp-content/uploads/2022/10/Candle-Business-Owner. svgInsurance for candle makersWhile a candle looks (and smells) great, the little flame on top can be the cause of some big lawsuits. Customers put their trust in your candle-making expertise to create a safe and reliable product. Even if you take every precaution in the production process, there is always a risk that an accident could happen beyond your control. That’s why it’s crucial to protect yourself, your customers, and your business with candle maker insurance. Candle maker insurance is a policy package specially designed to protect against specific risks associated with selling candles and other related products such as wax melts or incense sticks. Our insurance provides coverage for product and liability-related accidents causing third-party injuries or property damage. Candle maker insurance describes several insurance policies that are combined to provide comprehensive coverage. Typically, candle maker insurance will include the following policies: Commercial General Liability Insurance (CGL): CGL is a basic form of coverage that protects you against day-to-day risks that you may encounter while running your candle business. Such risks could be third-party bodily injury (e. g. , customer injury in your store) or property damage (e. g. breaking a customer’s expensive vase while selling in their home). CGL generally covers medical fees and legal expenses, regardless of the lawsuit’s outcome. Product Liability Insurance: Product liability coverage... --- ### Engineer Insurance > At Zensurance we simplify the process of getting engineering insurance. Get a free quote, it's quick & easy! - Published: 2021-05-31 - Modified: 2022-10-17 - URL: https://www.zensurance.com/engineering-insurance Engineering Liability Insurance Professional liability insurance for engineers is specifically designed to protect their unique set of risks. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/11/Engineer. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Engineer. svgInsurance for engineersAs an engineer, you play a crucial role in ensuring the design and implementation of a project goes to plan – and your clients depend on your expertise. While you can do everything in your power to ensure a safe and successful outcome, there’s always a risk that an accident could happen beyond your control. That’s why it’s important to protect yourself, your clients, and your business with the right engineering liability coverage. Engineers insurance is a policy package specially designed to protect engineering professionals against specific risks associated with providing their services, including, errors and omissions, negligence and third-party-related accidents and injuries. Engineer Insurance describes several insurance policies that are combined to provide comprehensive coverage. Typically, an insurance program for professional engineers will include the following coverages: Professional Liability Insurance: Also known as Errors & Omissions Insurance (E&O), Professional Liability Insurance offers coverage for misconduct, negligence, or failure to deliver a service as advertised. If your client feels your professional advice or service didn’t have the expected results, they could sue. Within the engineering space, there are many scenarios where you’ll need professional liability. For example, an engineering error could mean that a computer program doesn’t work as advertised or suppose a new sunblock doesn’t provide adequate protection. Professional Liability Insurance could cover the legal fees and damages, including monetary judgments.... --- ### Technology Insurance > At Zensurance we simplify the process of getting Technology Insurance for startups. Get a free quote, it's quick and easy! - Published: 2021-05-26 - Modified: 2023-07-07 - URL: https://www.zensurance.com/technology-insurance Technology Insurance Technology insurance is an important policy that protects tech companies and startups that are rising fast in Canada and are expected to keep doing so over the coming years. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Technology-and-Startup-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2023/03/Tech-Business. svgInsurance for technology companiesAs a technology business owner, many industries rely on your expertise to improve their offerings. Whether you provide a niche service or have a broad focus that can be utilized in various ways, there is always a risk when it comes to offering tech services and expertise. Your tech business has unique risks. With over fifty partners, we’ve helped technology startups across industries protect their businesses with insurance policies tailored to meet their specific needs. Learn more about technology insurance coverage to protect your company. Technology insurance is an essential coverage designed to protect technology companies from many risks that they face, including but not limited to cybersecurity risks, damage caused by their product/software to third parties, and errors or omissions in service. Different businesses have different risks; for example, a financial technology company won't require the same type of coverage as a technology startup specializing in marketing. A comprehensive policy for your business should cover the risks you are most likely to face. Those risks will vary by service, industry, and product; however, the following core coverages apply to most business owners: Errors and Omissions Insurance (E&O): As a technology professional, Errors and Omissions Insurance is essential to your business's survival. Also known as professional liability... --- ### Daycare Insurance > At Zensurance, we simplify the process of getting daycare insurance. Get a free quote, it's quick and easy! - Published: 2021-05-19 - Modified: 2024-02-23 - URL: https://www.zensurance.com/daycare-insurance Daycare Insurance Whether you run a home daycare or a commercial childcare center, protect yourself from potential risks with liability insurance for daycares. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Daycare-owner. svg https://www. zensurance. com/wp-content/uploads/2022/08/Child-Care-Provider-1. svgInsurance for daycaresDaycare centers worldwide have one thing in common: children are at the center of their business. Unfortunately, children are way more accident-prone than adults. Parents can’t help but worry about their children’s safety when they drop them off at daycare. Mistakes can happen in a matter of moments, which is why daycare insurance is crucial for all daycare businesses, whether you run it in your home or on rented premises. Daycare insurance is a combination of different insurance policies designed to provide comprehensive coverage for your daycare business. From your premises and equipment to your company’s reputation, daycare insurance can protect you against risks associated with caring for children. Each business is unique, and insurance requirements may; however, a comprehensive policy package for daycare businesses will typically include the following coverages: Commercial General Liability Insurance (CGL): protects your business from childcare liabilities such as allegations involving the three p’s: third-party property, physical and personal damage. CGL may cover medical fees and legal expenses, regardless of the lawsuit’s outcome. For example, during free time, one of the children in your care hurts themselves on the mini-trampoline. As a result, the parents sue for bodily injury. Commercial Property Insurance covers the supplies, equipment, and furniture that a daycare needs for its operations. Whether you own or rent the space... --- ### Roofing Insurance > At Zensurance we simplify the process of getting insurance for your roofing business. Get a free quote, it's quick and easy! - Published: 2021-05-18 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/roofing Roofing Insurance Whether you run a large roofing company or you are an independent contractor, it is critical to protect your business with insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2020/06/Roofing-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Roofer. svgInsurance for RoofersAs a roofer, your job is to face a common fear that the average person tends to avoid: heights. Brave by nature, your clients depend on you to provide the rooftop protection they need to withstand Canada’s seasonal climates. However, no matter how courageously careful you are, mistakes can happen, and uncertainty can be a nightmare for most business owners. As a roofing contractor, you face unique risks, which only a comprehensive insurance plan can help protect your business. Roofing Insurance is a policy package designed for roofing contractors; it provides financial coverage for common risks such as third-party property damage, accidents, and equipment loss. Every roofing business is unique; it is essential to tailor your insurance policy to cater to your specific needs. A comprehensive insurance package for roofing contractors will typically include the following: Commercial General Liability Insurance (CGL), also known as roofing liability insurance, covers you from common accidents that involve other people’s property or cause bodily injury. CGL insurance could provide financial coverage for legal defence, repairment, or medical costs if you are sued for your mistakes, regardless of the lawsuit’s outcome. For example, while installing new shingles, your client accidentally trips on your tools and sprains their wrist. Your CGL policy could cover the medical fees and legal expenses. Tools... --- ### Tenant Legal Liability Insurance > At Zensurance we simplify the process of getting Tenant Legal Liability Insurance for commercial tenants. Get a free quote today! - Published: 2021-05-18 - Modified: 2023-09-18 - URL: https://www.zensurance.com/tenant-legal-liability-insurance Commercial Tenant InsuranceAre you running your business in a rented space and looking for the right liability coverage? Good news – we’re business tenant insurance experts. Let us make it fast, simple, and affordable for you to get commercial tenants' liability insurance. https://www. zensurance. com/wp-content/uploads/2019/08/Tenant-Commercial-Liability-Insurance. svg Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svgProblem:A customer trips over an item that fell off a shelf in your store and sprains their wrists.  Outcome:The client successfully sues your business for bodily injury. Your tenant's legal liability insurance could cover the legal expenses and medical fees, totalling $5,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svgProblem:After you’ve locked your office space for the night, your business is vandalized. While none of your office equipment is damaged, a large window has been smashed and the walls graffitied.  Outcome:You notify the landlord of the incident. Your commercial tenant insurance could cover the cost to replace the window and professionally clean the walls, totalling $15,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svgProblem: While decorating your rented office space, you accidentally drill a hole into a water pipe. Water damage destroys the carpeting. Outcome: Your business tenant insurance could cover the cost to repair the carpet, totalling $15,000 in damages. Tenant Legal Liability Insurance, Explained. What is Tenants Legal Liability Insurance? Tenants Legal Liability Insurance, also known as Commercial Tenant Insurance, is a form of commercial general liability insurance that protects your business against the day-to-day risks of running a business within a leased space. Tenant Legal Liability Insurance typically covers the lawsuits and payments of... --- ### Professional Indemnity Insurance > At Zensurance we simplify the process of getting professional indemnity insurance. Get a free quote, it's quick and easy! - Published: 2021-05-17 - Modified: 2024-04-23 - URL: https://www.zensurance.com/professional-indemnity-insurance Professional Indemnity InsuranceProfessional Indemnity Insurance is important for Canadian small businesses that provide a service to their clients. This coverage is designed to protect business owners and consulting service providers in case of errors and omissions due to negligence. https://www. zensurance. com/wp-content/uploads/2019/08/Paralegal-Liability-Insurance. svg Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem:You’re a physical therapist working with a patient with a knee injury. You ask them to try a new stretch to their test their flexibility. Unfortunately, they end up exacerbating their injury.  Outcome:The client successfully sues your business for bodily injury. The bodily injury coverage could cover the legal expenses and medical fees, totaling $5,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem:You’re a communications technician installing a new aerial wire in a customer’s backyard but neglect to notice it’s over a small pond. During a storm a few weeks later, the aerial wire is severed by a tree branch – it falls into the pond and electrocutes ten exotic fish.  Outcome:The customer successfully sues your business for negligence. Your liability coverage could cover the cost to replace the fish and aerial wire, totaling $15,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem:You’re a marketing project manager planning out a commercial for a new product launch. Your plan has the commercial ready for Black Friday, but an error in your scheduling means the commercial will be late, missing a crucial shopping period.  Outcome:Your client sues you for failure to deliver a commercial on time. Your liability coverage could cover the legal expenses and settlement fees, totaling $190,000.... --- ### Nurse Malpractice Insurance > Nurse Malpractice Insurance - Professional Liability Insurance (PLP) is designed specifically for nursing practitioners to protect against malpractice claims. - Published: 2021-05-11 - Modified: 2023-09-05 - URL: https://www.zensurance.com/nurse-malpractice-insurance Nurse Malpractice Insurance If you are a Registered Nurse or another related nursing practitioner, professional liability insurance is necessary to protect you from injury claims by patients due to alleged negligence or accidental circumstances. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/03/Nurse-Practitioner. svghttps://www. zensurance. com/wp-content/uploads/2023/03/Nurse. svg Professional Liability Protection for NursesAs a registered nurse or a nurse practitioner, you’ve spent your career looking after others – a highly commendable and vital role that helps keep Canadians healthy.   You know your patients depend on your medical expertise and communication with other medical professionals to ensure their health concerns are correctly treated.   However, even with the most diligent care and attention, medical accidents, errors, and accusations of malpractice can occur. As a nurse, you have unique risks to consider – we’re here to help.   Zensurance has helped over 100,000 professionals and businesses with insurance policies that are right for them. Nurse professional liability insurance (also known as malpractice insurance) is a specific type of coverage that protects nurses, Registered Nurses, and other related practitioners against alleged negligence that leads to patient injuries. Nursing liability insurance will typically cover Professional Liability Insurance (also known as Medical Malpractice Insurance). Professional Liability Insurance could cover the legal costs for negligence claims or bodily injury within the following areas: Failure to attend a patient; Failures in diagnosis; Failures in referral or consultation; Failure to protect or warn third parties; or, Substandard treatment While many employers provide corporate coverage, independent nurses or traveling nurses who are renting space... --- ### E-commerce Insurance > E-commerce Insurance - Product Liability Insurance for online businesses provide coverage against claims of property damage or injury caused by your product. - Published: 2021-05-07 - Modified: 2024-03-20 - URL: https://www.zensurance.com/e-commerce-insurance E-commerce Insurance E-commerce insurance provides financial protection against the unique risks you are exposed to as an online business owner.    Get Instant Pricinghttps://www. zensurance. com/wp-content/uploads/2019/08/E-commerce-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2024/03/Online-Business-Owner. svgInsurance for e-commerceAs an online retailer, you have the unique opportunity to share your passion with customers around the world. From antique furniture to pet supplies, there is a niche to suit every seller’s interests.   However, with any business, there is a significant risk. When you are expanding into the digital space, you are encountering familiar risks (e. g. , inventory theft) as well as online threats (e. g. , cyber-attacks). At Zensurance, we’re here to help. More than 100,000 entrepreneurs have trusted us to protect their businesses with comprehensive e-commerce insurance coverage. As an online business owner, you need a policy that can withstand international shipments, customer relations, and general liabilities. Our e-commerce insurance policy packages protect e-commerce business owners against risks associated with producing and selling merchandise online, such as cyber risks, property damage, and bodily injury. Every business is unique, and insurance requirements may vary by what you sell; however, a comprehensive e-commerce insurance package will typically include the following coverages: Cyber Liability Insurance: Given that you conduct your business online, Cyber Liability Insurance is the most important coverage for retailers selling products online, especially for anyone storing customer data. Cyber Insurance covers costs associated with electronic incidents, such as a cyber hack involving your technology systems and data. For example, an employee clicks on a malicious... --- ### Gym Liability Insurance > Gym Insurance - Commercial General Liability Insurance offers financial coverage against legal claims of third-party injuries and property damage. - Published: 2021-05-05 - Modified: 2024-04-23 - URL: https://www.zensurance.com/gym-insurance Gym Insurance Gym insurance provides the necessary coverage to protect yourself and your gym from potential liabilities. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Gym-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2024/04/Gym-Business-Owner. svgInsurance for gymsAs a gym owner, we’re sure you take every precaution to keep your facility a safe place to work out. However, there is always a risk that an accident could happen that is beyond your control. For example, gyms contain dangerous and heavy equipment that could injure a customer if misused, such as a 100lb weight or a top-of-the-range elliptical. Another kind of risk is an insured event (such as a fire or flood), which could cause expensive equipment to be damaged. With these examples in mind, it is critical that you have gym liability coverage that protects yourself, your customers, and your business. There are likely several services offered within your gym and lots of different equipment available to use. With this in mind, many factors must be considered when insuring your business. Gym insurance policy packages are specially designed to protect gym owners against specific risks associated with fitness services, including equipment- and treatment-related accidents and injuries. Gym insurance describes several insurance policies that are combined to provide comprehensive coverage for your business. Typically, gym insurance will include the following coverages: Commercial General Liability Insurance: Also known as “slip-and-fall insurance,” CGL protects you against the day-to-day risks that can happen while running a gym. It protects your business against claims of third-party bodily injury or property damage that occur at... --- ### Property Management Insurance > At Zensurance we simplify the process of getting Property Management Insurance. Get a free quote, it's quick & easy! - Published: 2021-05-03 - Modified: 2024-04-05 - URL: https://www.zensurance.com/property-management-insurance Property Management Insurance Protect your property management business against claims of negligence, errors, and third-party injuries. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Tenant-Commercial-Liability-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Property-Manager. svgInsurance for Property ManagersAs a property manager, you could be tasked with a handful of duties, from screening applications, collecting rent to making repairs on any given day. While having a busy schedule may be better for business, it can open more room for mistakes, and it is essential to protect yourself from any potential liabilities. Whether you manage a commercial building or residential apartment complex, risk management is key to the survival of your business. Property Management Insurance is a comprehensive policy package designed to protect property managers against specific risks they may encounter during day-to-day business operations, such as negligence, errors, omissions, third-party property damage, and bodily injuries. Property managers have their own unique set of risks, and it is critical to have insurance that caters to the specific needs of your business. Generally, a comprehensive Property Management Insurance package will typically include the following: Errors and Omissions Insurance (E&O):  Also referred to as Professional Liability, E&O Insurance protects property managers from claims of negligence, delinquencies, or failure to deliver services as promised. E&O can provide financial coverage, including legal fees and monetary judgments. This policy is critical, as lawsuits may be filed by either your client (e. g. , Property Owner) or their tenants. Here are a few common coverage areas that an E&O policy could cover: Tenant Discrimination:  Allegations of discrimination that... --- ### Pharmacist Insurance > Professional liability insurance for pharmacists - provides comprehensive protection against specific risks including negligence & malpractice. - Published: 2021-05-03 - Modified: 2023-03-30 - URL: https://www.zensurance.com/pharmacist-insurance Pharmacist Liability Insurance Professional liability insurance for pharmacists provides financial protection against claims related to professional activities and business operations while fulfilling regulatory requirements. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/03/Pharmacist-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2021/12/Pharmacist. svgProfessional liability insurance for pharmacistsAs a pharmacist, you play a critical role in a patient’s healthcare journey. From preparation and distribution to advising a patient’s health team on which medications to prescribe, your expertise is indispensable. However, like anyone providing a service or offering professional advice, there is room for risk. A medication error or bodily injury due to your advice could result in a costly lawsuit for you or your business. Whether you work at a local drug store or own a pharmacy, carrying professional liability insurance is critical to your success in the healthcare system. Like most healthcare providers, pharmacists practice with the highest level of care. However, a dosage error or preparation oversight could lead to a situation where you are the subject of a lawsuit. Pharmacist liability insurance provides comprehensive protection against the specific risks of offering pharmaceutical care, including negligence and malpractice, and meets Canadian Pharmacist Association requirements. Professional Liability Insurance, also known as Errors & Omissions (E&O) Insurance or Malpractice Insurance, protects pharmacists, pharmacy interns, students, and interns against claims or lawsuits alleging negligence, malpractice, or failure to deliver services as promised. Pharmacists practicing in Canada are required to carry personal professional liability insurance. While most employers provide corporate coverage, the limit typically applies to all staff, which may not meet the mandated limit... --- ### Electrician Insurance > At Zensurance we simplify the process of getting business insurance for electricians. Get a free quote online today! - Published: 2021-05-03 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/electrician Electrician Insurance Electricians face a unique set of risks from specialized trade. Protect your business against potential liabilities with electrician insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2020/07/Electrician-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Electrical-Contractor. svgInsurance for electriciansAs an electrician, you know clients depend on your expertise to ensure that all electrical wiring and outlets in their building are working correctly.   From troubleshooting electronic systems to repairing circuit breakers, each project presents a different level of risk for accidents, damages, or injuries. Running an electrician business has unique risks – and that’s where we can help.   At Zensurance,  we’ve helped more than 100,000 entrepreneurs protect their businesses with insurance policies designed to cover their specific needs. Electrician insurance policy packages are specially designed to protect professional electricians against specific risks associated with providing electrical repair services, including equipment- and third-party-related damages and injuries. Insurance for electricians describes several combined insurance policies to provide comprehensive coverage. Typically, electrical business insurance will include the following coverages: Commercial General Liability Insurance (CGL): CGL is a basic form of liability coverage that protects electricians against day-to-day risks that may be encountered while running your business, such as third-party bodily injury or property damage. CGL generally covers medical fees and legal expenses, regardless of the lawsuit outcome. Professional Liability Insurance: Also referred to as Errors & Omissions Insurance (E&O), Professional Liability Insurance provides coverage for electricians in cases of misconduct, negligence, or failure to deliver services as promised. If your clients are dissatisfied with your professional advice or... --- ### Hair Stylist Insurance > Hair Stylist & Salon Insurance – get a custom liability policy to protect your hair beauty business. Instant online pricing available! - Published: 2021-05-03 - Modified: 2024-08-06 - URL: https://www.zensurance.com/beauty-insurance/hair-salon-stylist Hair Stylist & Salon Insurance An easy way to protect hair stylists and hair salons. Get salon liability insurance starting from $19/month. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/08/Bubble_hair-stylist_female. svghttps://www. zensurance. com/wp-content/uploads/2023/08/Hair-Salon. svgInsurance for hair stylists and hair salonsGoing to the hair salon is one appointment that we enjoy showing up to. Whether it’s for a monthly trim or a full-on hair makeover, it’s an experience to watch the transformation happen while sitting in front of the mirror. Your clients trust you to provide a safe and reliable service, and they want to walk away feeling great about their hair. While you can do everything to protect the well-being of your clients, there’s always a risk that an accident could happen beyond your control. That’s why it’s important to protect yourself, your clients, and your business with the right coverage. Hair stylists come in many different forms – for example, you may own a hair salon, rent a chair in a salon, or you might be a freelance mobile hair stylist that provides services in many different locations, Hair stylist insurance policy packages are specially designed to protect hair stylists and salons against specific risks associated with providing hairdressing services, including equipment- and treatment-related accidents and injuries. Business insurance for hair salons and hair stylists often combines several insurance coverages, most commonly including: Commercial General Liability Insurance (CGL): CGL protects you against everyday risks that could be encountered while running your business, such as third-party bodily injury (e. g. , slip-and-fall)... --- ### Flooring Insurance > At Zensurance we simplify the process of getting Flooring Contractor Insurance. Get a free quote, it's quick and easy! - Published: 2021-04-26 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/flooring Flooring Contractor Insurance Whether you run a large company or are an independent flooring contractor, it’s critical to protect your business from unexpected risks. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Flooring-Contractor. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Flooring-Contractor. svgInsurance for flooring contractorsAs the Canadian residential real estate market continues to boom, the demand for help to install new carpets, wood, or tile flooring rises with the growing housing tide.   While flooring contractors can expect to reap the benefits from the recent surge, any disruptions due to unforeseen accidents can leave your business far behind.   Staying ahead of your competition involves understanding the potential risks your business could face and developing a proper risk-management strategy to mitigate losses. At Zensurance, our mission is to make insurance as accessible as possible. We wrote this guide to help you navigate the basics of flooring business insurance. While some may consider this a low-risk profession, your business could still be held liable for accidents causing third-party property damages or injuries. Flooring liability insurance comprises various coverages designed to protect flooring contractors from common risks on the job site.   If a lawsuit were to occur, flooring liability insurance could cover the legal defence, medical fees, and repair costs despite the verdict. A comprehensive insurance policy package for flooring contractors will typically include the following coverages: Commercial General Liability Insurance (CGL) – As flooring contractors work primarily inside a client’s property, accidents involving damages would typically be on assets not owned by your business.   General Liability Insurance is a... --- ### Pet Business Insurance > At Zensurance we simplify the process of getting insurance for your pet service business. Get a free quote, it's quick & easy! - Published: 2021-04-26 - Modified: 2024-03-26 - URL: https://www.zensurance.com/pet-services-insurance Pet Services Insurance Whether you are a dog walker, pet sitter or groomer, protect yourself from potential liabilities with Pet Business Insurance.   Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/08/Pet-Services. svghttps://www. zensurance. com/wp-content/uploads/2023/08/Pet-Care. svgInsurance for pet service professionalsRunning any pet business, there is always a risk when you work directly with people (and animals! ). If a client is dissatisfied or a pet is injured in your care, you may be liable. Whether you offer dog walking part-time or own a pet-sitting business, a strong risk management strategy is essential to your business’s survival. At Zensurance,  our mission is to make insurance as accessible as possible. We wrote this guide to help you navigate the basics of liability insurance for your pet service business. When it comes to insuring your business, there are unique factors, such as services offered, training, and location, that are considered when finding the perfect coverage for your business. Pet Business Insurance is a policy package designed to protect against the specific risks associated with pet services, such as third-party injuries, negligence, or property damage. Every pet business is unique, and insurance requirements may vary by specialization; however, a comprehensive policy package for pet service providers will typically include the following coverages: Commercial General Liability (CGL) Insurance: Commercial General Liability Insurance is a coverage that protects you and your business against day-to-day risks. It covers your business against claims of third-party bodily injury (e. g. , slip and fall) or property damage (e. g. , damaged floors)... --- ### Partner - GroupBenefitz > Zensurance and Group Benefitz have partnered to provide the fastest and easiest way to insure your business. - Published: 2021-04-22 - Modified: 2022-10-17 - URL: https://www.zensurance.com/groupbenefitz https://www. zensurance. com/wp-content/uploads/2021/04/Zensurance_GroupBeneftiz_Logos. png Commercial Insurance tailored to members of GroupBenefitz! GroupBenefitz and Zensurance have partnered to help you save up to 35% on business insurance. Get your free quote today! It's super easy and takes only a few minutes. Get a Free Quote Join over 100,000 Canadian business owners that trust Zensurance! https://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What is Business Insurance? Business insurance is an umbrella term used to describe insurance policies designed to protect business owners against losses due to unforeseen events that may occur during day-to-day business operations, including third-party property damage, errors, or bodily injuries. Explore the following business insurance policies for specific coverage information: Commercial Property Insurance Commercial General Liability Insurance Professional Liability Insurance Product Liability Insurance Cyber Liability Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs Business Insurance? Insurance is critical for your business’s long-term survival. Business insurance provides coverage for the financial costs associated with unforeseen events such as damage caused to third parties, accusations of professional negligence, or defective products. Your business is unique, and coverage requirements will vary. Speak with a broker to find a policy to suit your specific business needs. https://www. zensurance. com/wp-content/uploads/2019/06/get-insurance-and-save-zensurance. svg How much is Business Insurance? We’ve partnered with over fifty insurance providers to offer you different options that suit your business needs at the best price. For a small- to medium-sized business, you can anticipate spending $650 a year on a $2M General Liability policy. The following factors are typically taken into consideration when finding the perfect coverage... --- ### Public Liability Insurance > At Zensurance we simplify the process of getting Public Liability Insurance for your business. Get a free quote, it's quick and easy! - Published: 2021-04-21 - Modified: 2024-06-06 - URL: https://www.zensurance.com/public-liability-insurance Public Liability InsurancePublic Liability Insurance protects your business against claims resulting from bodily injury or property damage to third-parties. https://www. zensurance. com/wp-content/uploads/2022/10/public-liability. svg Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: Your client slips on an unattended wet floor in your office space, resulting in a sprained ankle. Outcome: The client successfully sues your business for bodily injury. Your Public Liability policy could cover the legal expenses and medical fees, totaling $20,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem:A child cuts themself on a sharp kitchen knife left in the dining area of your restaurant. Outcome:You’re successfully sued for bodily injury by the child’s parents. Your Public Liability policy could cover the medical expenses and legal fees, totaling $15,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem:You are hired to paint a living room and accidentally spill paint all over your client’s new carpet.  Outcome:Your Public Liability policy could cover the cost to repair the carpet, totaling $10,000 in damages. Public Liability Insurance, Explained. What is Public Liability Insurance? Public Liability Insurance, also known as Commercial General Liability, protects your business against the day-to-day risks of running a business. Public Liability Insurance typically covers the lawsuits and payments of claims related to third-party bodily injury (e. g. , slip-and-fall) or third-party property damage. What does it cover? Public Liability Insurance typically includes coverage for legal costs and damages related to the following coverage areas: Bodily Injury Liability: Injuries or damage to a third-party person or property resulting from your business operations. Product Liability: Property damage or... --- ### Retail Insurance > At Zensurance we simplify the process of getting retail business insurance. Get a free quote, it's quick & easy! - Published: 2021-04-20 - Modified: 2024-10-21 - URL: https://www.zensurance.com/retail-insurance Retail Insurance Get the best retail insurance coverage that protects your business against theft, product malfunctions and other unforeseen events. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/10/Retail-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2024/10/Retailer-Insurance-Coverage. svgBusiness insurance for retailersAt Zensurance, we’re here to help your retail business. More than 100,000 entrepreneurs have trusted us to protect their businesses with insurance policies designed to cover their needs. It’s our goal to simplify getting liability insurance for Canadian retailers, business shops and online stores. Below you’ll find the information to get you started with retail insurance. Retail insurance is a business liability policy package specifically designed to protect retail owners against risks associated with producing and selling merchandise, shopping in-store and shopping online. Retail insurance describes several insurance policies that when combined provide comprehensive coverage for your business. Typically, retail store owners would need the following coverages: Commercial General Liability Insurance (CGL): Also called  "slip-and-fall insurance", CGL protects you against the day-to-day risks that can happen during an in-person shopping experience. It can protect your business against claims of third-party bodily injury or property damage that occur at your retail location. CGL will typically cover legal expenses and medical fees, regardless of the lawsuit's outcome. Product Liability Insurance: Product Liability coverage is important coverage for retailers. It provides protection against claims alleging third-party property damage or bodily injury caused by a product you manufacture, distribute, or sell. Damages covered by product liability are usually the result of a defect in the design, manufacturing or marketing, such as an... --- ### Welding Insurance > At Zensurance we simplify the process of getting Welding Insurance for contractors. Get a free quote, it's quick and easy! - Published: 2021-04-20 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/welding Welding Liability Insurance Get a customized liability insurance quote to protect your welding business. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2020/06/Welding-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Welder. svgInsurance for weldersWelders play a critical role in establishing the infrastructural integrity of metal components applied to most construction projects. Despite being an essential trade profession needed for nearly every industry, not all welders are the same.  The tools and welding techniques utilized by welders will vary based on each metal’s unique properties, which presents various levels of risk depending on the projects you take on. As such, you should have a risk-management strategy to accommodate your needs. Whether you run a small welding business or an industrial rig welder, liability insurance is essential to protect your business from unforeseen accidents. Your welding business can be protected against lawsuit claims for accidents causing third-party property damage or bodily insurance with the proper insurance plan. Welding liability insurance policies are designed for welders and provide financial coverage against the specific risks associated with your trade. Due to the varying nature of welding, it is crucial to have insurance coverage specifically designed for the risks you encounter and the equipment you own. A comprehensive insurance policy package for welders will typically include the following: Commercial General Liability Insurance (CGL) – Welders commonly work with heavy equipment intensified by high-heat stress, presenting a significant risk of severe accidents if something goes wrong. CGL is a coverage that protects you from the everyday dangers of working on a welding job site, such... --- ### Dietitian Insurance > Professional Liability Insurance for Dietitians designed to insurance requirements mandated by Canadian dietitian colleges & associations. - Published: 2021-04-15 - Modified: 2022-11-02 - URL: https://www.zensurance.com/dietitian-insurance Dietitian Liability Insurance Get a Professional Liability Insurance coverage designed to meet dietitians' requirements nationwide. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/07/Dietitian. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Dietitian-Professional. svgInsurance for dietitiansFrom preparing meal plans to conducting research, dietitians make nutrition accessible, empowering Canadians to develop and sustain healthy habits that improve their quality of life. However, like anyone providing a service or offering advice to the public, there is room for risk. An intake error, misdiagnosis, or injury due to your advice could result in a costly lawsuit for you or your practice. Whether you practice at a local hospital or operate a private practice, carrying professional liability insurance is critical to your success in the health and wellness industry. You provide invaluable guidance to groups and individuals throughout many phases of their lives. However, a dissatisfied client or intake oversight could result in a situation where you are the subject of a lawsuit. Dietitian liability insurance policies provide comprehensive protection against the specific risks associated with your services, including negligence and malpractice. Some of our clients include: Registered Dietitians Clinical Dietitians Community Dietitians Nutritionists Sports Dietitians Public Health Dietitians Research Dietitians All College of Dietitians members is required to carry Professional Liability Insurance. Professional Liability Insurance, also known as Malpractice Insurance, protects dietitians against claims or lawsuits alleging negligence, malpractice, or failure to deliver services as promised. Professional Liability Insurance may cover your legal defence costs, as well as monetary judgments and settlement fees up to your policy limit. Additional coverage is recommended for... --- ### Consultant Insurance > Consultant Insurance - Professional Liability Insurance protects consultants against claims alleging financial loss due to the service you provided. - Published: 2021-04-14 - Modified: 2024-11-08 - URL: https://www.zensurance.com/consultant-insurance Consultant Insurance Protect your practice against claims of negligence, errors, or omissions with consultant professional liability insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/07/Consultant-Insurance-Man. svghttps://www. zensurance. com/wp-content/uploads/2022/08/consultant. svgInsurance for consultantsAs a consultant, business owners across industries rely on your expertise to improve their offerings. As businesses continue to prioritize transformation, innovation, and adoption, consultancy as an industry will continue to grow in demand. Whether you work specifically within a niche or have a broad focus, there is always a risk when it comes to offering professional advice. We know what makes your consulting business unique. With over fifty insurance partners, we’ve helped consultants across industries protect their businesses with professional liability insurance policies tailored to meet their specific needs. When you’re a consultant, you could be held liable for almost any negative impact your services have on a business. As there are various specialties found within the consulting field, different factors, such as industry and location, must be considered to find the perfect coverage for you. Our Consultants’ Professional Liability Insurance policy packages are designed to accommodate the full range of consulting services and protect against specific risks associated with them, such as negligence, errors, omissions, or third-party damages. Different businesses have different risks; for example, a financial consultant won't require the same type of coverage as a consultant specializing in event management. We believe a comprehensive policy for your consulting business should cover the risks you are most likely to face. Those risks will vary by service, industry, and product;... --- ### Restaurant Insurance > Restaurant Insurance - Comprehensive liability insurance package designed for restaurants and food business owners. Get a free quote! - Published: 2021-04-13 - Modified: 2024-05-28 - URL: https://www.zensurance.com/restaurant-insurance Restaurant Insurance Protect your restaurant from property damage, equipment breakdown, client injuries and liquor liability claims with restaurant insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Restaurant-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Restaurant-Owner. svgInsurance for restaurantsProviding good food and world-class customer service is your passion and raison d'être. You always endeavour to give your guests a memorable dining and culinary experience. But the stakes are high when working with food and serving the public, and challenges and mishaps can occur at anytime. Whether third-party personal injury claims alleging food poisoning, damages to your restaurant because of fire or food spoilage from kitchen appliances breaking down, you need a customized restaurant insurance policy to protect your assets and reputation. Restaurant insurance isa customized policydesigned to protect restaurant owners against specific risks associated with serving food and drinks, includingthird-party bodily injuries and property damages, unforeseen accidents, and equipment breakdowns. Even if you take every precaution, an accident could happen beyond your control. For example, an allegation of a food poisoning incident or allergic reaction can result in a costly lawsuit. Beyond food, restaurants contain dangerous equipment,such as commercial gas stoves and sharp utensils,that could injure an employee or a wandering customer. Whether your customers are visiting your restaurant for a dine-in meal,picking up foodto take home, oryou deliver theirorder, it’s essential to make sure they have a safeand enjoyablemeal and experience. Restaurant insurance typically includes the following coverages: Commercial General Liability (CGL) Insurance:  CGL,or “slip-and-fall insurance”,protects you against the day-to-day risks that can happen while running a... --- ### Eyebrow / Eyelash Liability Insurance > At Zensurance we simplify the process of getting Eyelas Extension Insurance. Get a free quote, it's quick and easy! - Published: 2021-04-13 - Modified: 2023-08-29 - URL: https://www.zensurance.com/beauty-insurance/eye-esthetician Eyelash Extension Insurance Whether you offer eyebrow or eyelash extensions, all eye estheticians should have coverage. Protect your business with a customized eyelash technician insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/08/Eyelash-Technician. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Eyelash-Beauty-Professional. svgInsurance for eyelash techniciansBeauty services make up a multi-billion industry in Canada, but with any big business, there’s always going to be an element of risk.   No matter how many precautions are taken, there’s a danger an accident could happen that’s beyond our control, especially when treating the delicate areas around the eyes. As an eyelash technician, we know your business is unique. We’ve helped more than 100,000 beauty professionals protect their businesses with insurance policies that are designed to cover their needs. Eyelash esthetician insurance policy packages are specially designed to protect lash technicians against specific risks associated with extensions, including equipment- and treatment-related accidents and injuries.   Eyelash extensions are among the many services offered in the beauty industry and require comprehensive coverage. We recognize that each beauty business is different.  eyelash esthetician insurance describes several insurance policies that are combined to provide comprehensive coverage. An insurance policy for eyelash technicians typically includes: Commercial General Liability Insurance: Commercial General Liability Insurance (CGL) safeguards businesses against any third-party claims, such as property damage or an injury in the salon, such as a slip-and-fall. Professional Liability Insurance, also known as Malpractice Insurance, protects against claims alleging failure to deliver a service advertised, negligence, or misconduct. If a client thinks your services didn’t have the anticipated results, they... --- ### HVAC Insurance > At Zensurance we simplify the process of getting HVAC Insurance for contractors. Get a free quote, it's quick and easy! - Published: 2021-04-13 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/hvac HVAC Insurance Whether you run a large company or an independent HVAC contractor, it's critical to protect your business with insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2020/06/HVAC-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/HVAC. svgInsurance for HVAC contractorsAs an HVAC contractor, your clients depend on your expertise to provide them with thermal comfort and clean air. In an industry that works extensively on ventilation systems inside different residential and commercial properties, each project presents a varying risk level. Accidents causing property damages or injuries can spark lawsuits against your business, quickly disrupting your operations. Having the proper HVAC liability insurance is essential for your business’s survival. HVAC contractors offer different heating and cooling services, which is why it is crucial to get insurance coverage designed for your business’s specific needs. HVAC Insurance is a policy package that provides financial coverage for the common risks associated with operating as an HVAC technician, such as third-party injury or property damage. A comprehensive HVAC insurance program should typically include the following coverages: Commercial General Liability Insurance (CGL) is essential insurance coverage that every HVAC contractor should carry. CGL is a policy that can provide financial protection against lawsuit claims resulting from third-party property damage or bodily injury. For example, your ventilation services caused moisture issues in a client’s home, and they sue you for property damages. CGL may cover your business’s legal expenses and repair costs associated with the accident. Important note: your policy’s coverage limit may only apply to all full-time employees, not each individual. If you require... --- ### Landscaping Insurance > Zensurance can help you get low-cost landscaping insurance coverage. Get a free online quote today! - Published: 2021-04-01 - Modified: 2024-06-27 - URL: https://www.zensurance.com/contractor-insurance/landscaping Landscaping Insurance Large landscaping companies and independent landscaping contractors need customized landscaping business insurance to cover their liability risks Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/03/Landscaping-Insurance-by-Zensurance. svghttps://www. zensurance. com/wp-content/uploads/2024/03/Landscaper. svghttps://www. zensurance. com/wp-content/uploads/2024/03/Landscaper. svg Business insurance for Canadian landscapers Professional landscapers are horticultural experts who make our outdoor spaces beautiful all year round. They specialize in lawn, hedge, and property design and maintenance and offer seasonal cleanups for commercial and residential properties to create, foster, and maintain sustainable landscapes for their clients. However, landscaping businesses and contractors face various liability risks that can upend their businesses and finances. A comprehensive landscaping insurance policy covers landscapers for damages and losses sustained due to accidents, legal threats, incidents beyond their control, theft, and vandalism. Get a Free Quote What is landscaping insurance? Landscaping insurance provides financial coverage for common lawsuit claims against landscapers, such as third-party bodily injuries and third-party property damage. Similar to general contractor insurance policies, landscaping insurance is designed to protect your business, property and contents, vehicles, and tools and equipment from expensive damages or the threat of lawsuits. Get a Free Quote What does landscaping insurance cover? A comprehensive landscaping business insurance policy may include the following types of coverages: Commercial General Liability (CGL) Insurance: Also called general liability insurance, CGL covers third-party bodily injuries and third-party property damage claims or allegations resulting from your regular business activities. It may also includeproduct liability insuranceto protect you from injury and damage claims from any product you manufacture, distribute or sell. Tools... --- ### Beauty Insurance > At Zensurance we simplify the process of getting Beauty Insurance. Get a free quote, it's quick and easy! - Published: 2021-03-30 - Modified: 2024-03-20 - URL: https://www.zensurance.com/beauty-insurance Beauty Insurance No profession is error-proof and as a beauty professional, you carry a lot of responsibility. Protect yourself and your business with beauty insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Beauty-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2024/03/Beauty-Business-Owner. svgInsurance for beauty professionalsClients put their trust in beauty professionals to provide a safe and reliable service – and they want to walk away feeling great. Whether they’re visiting your business for a haircut, pedicure, or massage, it’s important to make sure they’re well looked after throughout their treatment. Even if you take every precaution, there is always a risk that an accident could happen beyond your control. As beauty professionals, we know your business risks are unique. We’ve helped more than 100,000 entrepreneurs protect their businesses with insurance policies that are designed to cover their needs. As there are a variety of services found within the beauty industry, there are many factors to consider when insuring your business. For example, a mobile hairdresser would need very different coverage from a hair salon owner. This can make it challenging to find comprehensive coverage that’s right for you. Our beauty insurance policy packages are specially designed to protect beauty professionals against specific risks associated with beauty services, including equipment- and treatment-related accidents and injuries. Beauty insurance describes several insurance policies that are combined to provide comprehensive coverage. Typically, beauty insurance includes the following coverages: Commercial General Liability Insurance: Also known as “slip-and-fall insurance,” CGL is basic coverage that protects you against day-to-day risks that could be encountered... --- ### Snow Removal Insurance > Get low-cost quotes for snow removal insurance. Comprehensive snow plow insurance coverage for contractors across Canada. - Published: 2021-03-30 - Modified: 2024-08-09 - URL: https://www.zensurance.com/snow-removal-insurance Snow Removal Insurance Protect your assets with customized liability insurance for your snow removal business Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/11/Snow-Removal. svghttps://www. zensurance. com/wp-content/uploads/2023/11/Snow-Plower. svghttps://www. zensurance. com/wp-content/uploads/2023/11/Snow-Plower. svg Insurance for snow removal contractorsHeavy snowfalls, blizzards, and ice storms are not uncommon in Canada.   Snow removal contractors know theirs is a high-risk business due to the threat of accidents, unforeseen incidents, and third-party lawsuits. Liability insurance is necessary for snow removal contractors to pay for expensive damages and losses. It may be required to operate legally in some jurisdictions or by the terms of your customer contracts. Get a Free Quote What is snow removal insurance? Snow removal insurance is a customized policy featuring several coverages designed to shield snow removal contractors and small businesses from the costs of third-party property damages, third-party bodily injuries, accidents, and equipment breakdowns. It can be challenging to get the right coverage to protect your snow removal business and operations from its liabilities. Zensurance helps thousands of Canadian snow removal contractors quickly get the comprehensive protection they need. Get a Free Quote What does snow removal insurance cover? Most snow removal insurance policies contain several coverages, including: Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers third-party bodily injuries and third-party property damage caused by your operations. For example, if a customer or third party slips on ice and is injured on a property you’re responsible for clearing, you may be liable for their injuries and could be sued. CGL would help cover... --- ### Painters Insurance > At Zensurance we simplify the process of getting insurance for your painting business. Get a free quote, it's quick & easy! - Published: 2021-03-24 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/painters Painters Insurance Whether you run a large painting business or a self-employed contractor, protect your company from potential liabilities with painter's insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Painting-Contractor. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Painter. svgInsurance for paintersAs a professional painter, there is no better feeling than turning your client’s dreams into reality with your detailed and creative talents. However, not every project can be flawless, as there is always room for mistakes. The right insurance coverage for your business can turn messy accidents back into a clean canvas. At Zensurance, our mission is to make insurance as easy and accessible as possible. We wrote this guide to help you navigate the basics of painter’s insurance. Painters insurance is a specialized policy package that protects painting contractors against various business-related risks resulting in bodily injury or property damage. Accidents can happen, and having the proper insurance in place provides the legal and financial coverage required to remediate the mistake. Specifically designed insurance coverage is essential to protecting your business against the risks you may encounter and the equipment you own. A comprehensive painters insurance package will typically include the following coverages: Commercial General Liability Insurance (CGL): CGL is the most important type of liability insurance that all painters should carry, as it provides financial coverage against lawsuit claims resulting from third-party property damage or bodily injury. The equipment and materials you work with present possibilities for accidents (i. e. , slip-and-fall) that only a CGL policy can cover. Pollution Liability Insurance is a specific policy that... --- ### Esthetician Liability Insurance > Esthetician Insurance - Comprehensive liability coverage protecting estheticians from third-party injury or property damages. - Published: 2021-03-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/esthetician-insurance Esthetician Insurance No matter the type of services you offer, all beauty professionals should have insurance coverage. Get the protection you need with a free online esthetician insurance quote. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/03/Esthetician. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Aesthetician. svgInsurance for estheticiansAs an esthetician, your ability to combine creativity with technique results in services that are both highly therapeutic and in-demand. However, the hands-on nature of your business means you may be liable for treatment-related injuries or damages. Whether you provide skincare treatments at a spa retreat or operate your own microblading business, an esthetician liability insurance. is essential to your business’s survival. Different factors, such as specialization, location, and additional services (e. g. , permanent makeup, microblading), may make it challenging to find comprehensive coverage for your beauty business. Our esthetician insurance policy packages for estheticians are specially designed to accommodate the full range of beauty services and protect against specific risks associated with them, such as bodily injuries or malpractice. Every beauty professional is unique, and insurance requirements may vary; however, a detailed policy package for estheticians will typically include the following coverages: Commercial General Liability Insurance:  Commercial general liability insurance (CGL) protects against third-party claims, such as property damage or a treatment-related injury that may occur in your salon or when visiting a client. For example, a client accidentally slips on a puddle and sprains their ankle. They sue your business for third-party bodily injury. CGL could cover the medical fees and legal expenses. Product Liability Insurance: Product... --- ### Partner - Professional Organizers in Canada > Zensurance and Ryerson Venture Zone have partnered to offer RVZ Members exclusive savings on commerical insurance for their startups. - Published: 2021-03-17 - Modified: 2023-05-23 - URL: https://www.zensurance.com/professionalorganizerscanada https://www. zensurance. com/wp-content/uploads/2021/03/logos-zen-poc. png Welcome, Professional Organizers! Canada's leading digital insurance brokerage, Zensurance has partnered with Professional Organizers in Canada to provide competitive savings of up to 35% business insurance. Get a Free Quote Free Legal Advice Session from Goodlawyer included Professional Organizers members will now get a FREE Legal Advice Session from Goodlawyer when they click below and get a quote! The Goodlawyer promo code will be sent by email in batches to members after completing a quote. (No purchase necessary) Have questions? Please contact: promotions@zensurance. com --- ### Contractor Insurance > Zensurance offers comprehensive contractor insurance coverage to protect your business. Get a free online contractor liability quote! - Published: 2021-03-16 - Modified: 2024-11-08 - URL: https://www.zensurance.com/contractor-insurance Contractor Insurance Get a custom contractors liability insurance quote designed to protect your specific type of construction or trade. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/09/Contractor-Insurance-Bubble. svghttps://www. zensurance. com/wp-content/uploads/2024/09/Canadian-Contractor. svg Liability insurance for contractors As a contractor, managing risk is inherent to your business, so it only makes sense that you have a robust risk management strategy in place for yours. At Zensurance, we know what makes your business unique. With over fifty partners, we’ve helped thousands of contractors protect their businesses with flexible contractor insurance policies customized to meet their specific needs. Comprehensive coverage that can withstand multiple projects, managing employees, and general business liability risks is critical to running a thriving construction business. When it comes to finding the perfect coverage for your business, distinct factors, such as trade, location, and service-related risks, need to be considered. For example, snow removal will have very different types and levels of risk exposure than residential painting. We know what makes your business unique. Our contractor insurance policy packages protect contractors against the specific risks associated with contracting trades, such as third-party property damage and equipment theft. Each construction practice is different, and insurance requirements will vary by service; however, contractors insurance typically includes the following policies: Commercial General Liability (CGL) Insurance – The most common and perhaps most important form of coverage for contracting trades is commercial general liability insurance. CGL is a liability insurance policy for contractors that protects you and your business against common claims you may run into at... --- ### Partner - EDGE > Zensurance and Ryerson Venture Zone have partnered to offer RVZ Members savings on commercial insurance for their startups. - Published: 2021-03-12 - Modified: 2022-10-17 - URL: https://www.zensurance.com/edge https://www. zensurance. com/wp-content/uploads/2021/03/zensurance_edge_logos-e1615566277249. png Welcome, EDGE Members! Canada's leading digital insurance brokerage, Zensurance has partnered with EDGE to provide EDGE Members with competitive savings on business insurance.  Get your free custom quote today! It’s easy and takes only a few minutes. Get a Free Quote What is Business Insurance? Business insurance protects business owners from losses due to unforeseen events that may occur during day-to-day business operations, including third-party property damage, cybercrime, negligence, or bodily injuries. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does Business Insurance cover? Every business is unique, and insurance requirements may vary by industry; however, a comprehensive policy package for will typically include the following coverages: Commercial General Liability Insurance (CGL) protects you from the everyday risks you can expect to face in your day-to-day business operations, including third-party property damage or bodily injuries resulting from negligence. CGL covers legal expenses, as well as medical fees. Professional Liability Insurance, also known as Errors & Omissions, protects professionals from client claims alleging financial loss due to a service you provided, as well as lawsuits alleging negligence, misconduct, and failure to deliver services as promised.   Cyber Liability Insurance includes coverage for costs associated with cybercrime involving your technology systems and customer data. Cybercrime Insurance can be purchased in addition to Cyber Liability Insurance to provide coverage for loss of funds due to cybercrime, which may include phishing, hacking, or social engineering fraud. This policy provides coverage for notification costs, data restoration, and legal expenses. Product Liability Insurance protects business owners against... --- ### Paralegal Liability Insurance > Professional Liability Insurance (E&O) for Paralegals is required coverage to protect against legal claims for negligence, errors, and misconduct. - Published: 2021-03-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/paralegal-liability-insurance Paralegal Insurance Professional Liability Insurance for paralegals is an important requirement by provincial law societies in Canada. Protect your practice against claims of negligence, errors or omissions. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Paralegal-Liability-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Paralegal. svgInsurance for paralegalsFrom preparing legal documents to conducting research, paralegals play a critical role in the administration of justice. However, like anyone providing a service or offering advice to the public, there is room for risk. A document error, misrepresentation, or financial loss due to your advice could result in a costly lawsuit for you or your firm. Whether you practice at a local law firm or take on clients, carrying professional liability insurance is critical to your success in the legal system. Like most legal service providers, paralegals practice judicially. However, a disgruntled client or preparation oversight could result in a situation where you are the subject of a lawsuit. Our Paralegal insurance provides comprehensive protection against the specific risks of offering legal services, including negligence and malpractice, and meets all Canadian Law Societies’ requirements. All paralegals practicing in Canada require professional liability insurance. Professional Liability Insurance, also known as Errors & Omissions (E&O) Insurance, protects legal services professionals against claims or lawsuits alleging financial loss due to a service you provided, negligence, misconduct, or failure to deliver services as promised. Professional Liability Insurance covers your legal defence costs, as well as monetary judgments and settlement fees up to your policy limit. It does not cover deliberate misrepresentation or criminal acts. Paralegals typically opt for... --- ### Personal Trainer Insurance > Personal Trainer Insurance - Professional Liability Insurance protects personal trainers against claims alleging misconduct, negligence, or failure to deliver. - Published: 2021-03-09 - Modified: 2024-11-08 - URL: https://www.zensurance.com/personal-trainer-insurance Personal Trainer Insurance Personal trainer insurance provides protection from the costs associated with lawsuits or claims against you or your business. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Personal-Trainer-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2024/02/Personal-Trainer. svgInsurance for personal trainersAs a personal trainer, you offer a service everyone can benefit from regardless of age, location, or lifestyle. However, the hands-on nature of your business means you may be liable for injuries or damage that occur under your instruction. Whether you train advanced-age clients at a local gym or sell an online fitness program, getting tailored personal training liability insurance is essential to your business’s survival. Different factors, such as specialization, location, and additional services (e. g. , nutritional counselling), may make it challenging to find comprehensive coverage for your training practice. Our personal trainer insurance policy packages are specially designed to accommodate the full range of personal training services and protect against specific risks associated with providing fitness services, such as injuries or malpractice. Every personal training professional is unique, and insurance requirements may vary; however, a comprehensive personal trainer insurance policy will typically include the following coverages: Commercial General Liability Insurance (CGL): Commercial general liability insurance protects your business against everyday risks you may encounter, such as third-party bodily injury or property damage that occurs in your studio or under your direction. CGL can cover medical fees and legal expenses, regardless of the lawsuit’s outcome. Product Liability Insurance: Product liability coverage covers claims alleging a product you distribute, manufacture, or sell caused bodily injury or... --- ### Sports & Fitness Insurance > At Zensurance we simplify the process of getting sports & fitness insurance. Get a free quote, it's quick and easy! - Published: 2021-03-09 - Modified: 2024-10-15 - URL: https://www.zensurance.com/sports-insurance Sports & Fitness Insurance Insurance tailored for Canadian sports and fitness professionals, training teams or individuals. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2022/07/Sports-Instructor. svg The #ZensuranceGrant2024 application is open to all Canadian* entrepreneurs, startups, and small business owners with a compelling story to tell about their businesses. Apply Now * Excluding Quebec, Yukon, Nunavut, and the Northwest Territories https://www. zensurance. com/wp-content/uploads/2024/10/Sport-Liability-Insurance. svgInsurance for sports and fitnessThe sports and fitness industry includes thousands of different activities, each requiring various degrees of physical and mental exertion. According to StatsCan, 35% of injuries result from sports or exercise-related actions in Canada. As a professional in your sport, whether it be coaching a little league or owning a hockey camp, you are likely more concerned about the players’ well-being than your business’s safety. At Zensurance, we believe that defence is the best offence for your sports business. Here's your risk-management game plan to protect against the potential liability risks that might come into play. The sporting environment contains ever-changing dynamics from tryouts to tournaments, each presenting a varying exposure to risks. To ensure that your whole team is covered, it is critical to have an insurance program designed to meet your specific needs. Sports insurance is a specialized liability policy package that protects sports and fitness professionals from lawsuits alleging negligence, malpractice, or injury. We’ve insured 1000s of sports professionals, including: Professional or Amateur Sports Teams Recreational or Private Sports League Instructors (e. g. , coaches, managers) Fitness Facilities (e. g. soccer field, tennis courts) Sporting... --- ### Counsellor Insurance > At Zensurance we simplify the process of getting counselling insurance. Get a free quote, it's quick and easy! - Published: 2021-03-08 - Modified: 2024-06-11 - URL: https://www.zensurance.com/counsellor-insurance Counselling Insurance Professional liability insurance protects counsellors from the risks associated with delivering services and advice. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Counsellor-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Counsellor. svgLiability insurance for counsellorsCounselling is a subjective practice, and distractions, stress, or personal trauma may cause even the most experienced counsellor to make a wrong decision involving a client. In today’s litigious society, you may be held legally liable for failing to meet the standard of care or causing your client harm even if you believe you’ve made the right decision. Regardless of the outcome, a lawsuit might be costly for your business. Whether you offer counselling sessions in-person or online, navigating the mental health landscape requires a strong risk management strategy. Canadian public health programs have magnified the need for increased mental health resources, support, and care as we move through and beyond the pandemic. As a counsellor, your role in helping Canadians cope with the health, social, and economic impact of the pandemic is paramount, which is why you must also protect yourself and your business from unforeseen claims and lawsuits. Our counsellor insurance policy packages are designed to protect counsellors and psychotherapists against specific risks associated with providing counselling services and advice to groups or individuals. Some of our clients include: Life Coach Marriage and Family Counsellors Mental Health Counsellors Psychotherapists Psychologists Occupational Therapists Social Workers Speech & Language Pathologists Student Counsellors Any professional providing counselling services online or in-person should protect themselves with a counsellor insurance policy package. Each counselling practice... --- ### Massage Malpractice Insurance > At Zensurance we simplify the process of getting Massage Therapy Liability Insurance for RMT professionals. Get a free quote, it's quick & easy! - Published: 2021-03-08 - Modified: 2022-11-02 - URL: https://www.zensurance.com/massage-malpractice-insurance RMT Insurance If you are a registered massage therapist (RMT), getting massage liability insurance is necessary to protect you from claims of injury to patients due to alleged negligence or injury. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Massage-Therapist. svghttps://www. zensurance. com/wp-content/uploads/2022/08/RMT. svgInsurance for massage therapistsWithout people like you, the world would be a bigger pain in the neck – so thank you. Massage therapists and holistic health practitioners are a force for wellness, yet sometimes, things do not always go so well. When your business includes managing another person’s health and wellness, there is always an element of risk involved. Fortunately, there’s insurance for that. Zensurance has your back like you got your client’s backs. Receiving a lawsuit is one thing, but there can also be damages to your reputation that can cost your business long-term. Massage therapy liability insurance (RMT insurance) is a specialized policy package designed for registered massage therapists and clinics that provides financial protection against lawsuits alleging negligence or errors and omissions that resulted in damages, losses, or bodily injury to their patients. Having insurance coverage can help you relax while you help others too. When you are covered for unforeseen accidents that may lie ahead, you can simply focus on your client’s needs. Generally, a comprehensive liability insurance package for massage therapists includes the following coverages: Professional Liability Insurance is also known as massage malpractice insurance, protects RMTs against claims alleging negligence or errors and omissions. You are vulnerable whenever a client could be negatively impacted or... --- ### Home Based Business Insurance > At Zensurance we simplify the process of getting Home Based Business Insurance. Get a free quote, it's quick and easy! - Published: 2021-03-08 - Modified: 2023-06-20 - URL: https://www.zensurance.com/home-based-business-insurance Home Based Business Insurance Specifically designed with hustling, fearless entrepreneurs in mind, home business insurance covers the most common risks that you may come across when operating out of your home. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/11/Home-Business-Owner. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Home-Business. svgInsurance for home-based businessesWhen it comes to insuring your business, most home-based business owners make the mistake of assuming their home insurance covers their business activities. The reality is, that most homeowner’s policies exclude business-related claims. In some cases, your policy could even be void if your provider is unaware that you are conducting business from home. At Zensurance, we know what makes your home business unique. With over fifty partners, we’ve helped more than 150,000 entrepreneurs protect their businesses with insurance policies customized to cover industry-specific risks. Your homeowner policy is unlikely to provide coverage for any loss or damages resulting from business-related activities, leaving your business exposed to a significant amount of risk. Specifically designed with entrepreneurs in mind, our home business insurance policy package protects against risks associated with operating a business out of your home, such as negligence or third-party injuries, across industries. Different businesses have different risks; for example, a financial consultant won’t require the same type of coverage as an e-commerce company. A comprehensive policy for your home-based business should cover the risks you are most likely to face. Those risks will vary by service, industry, and product; however, the following core coverages apply to most business owners: Professional Liability Insurance, also known as Errors and... --- ### Accountant Insurance > Professional liability insurance for accountants. Protect yourself from errors and omissions by getting a free quote. It's quick & easy! - Published: 2021-03-05 - Modified: 2024-09-13 - URL: https://www.zensurance.com/accountant-insurance Accountant Insurance If you offer accounting advice or services, get a custom professional liability insurance policy to protect yourself against claims related to your profession. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/09/Accountant-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2024/09/Accounting-Professional. svgInsurance for accountantsAs an accountant, you have dedicated your career to helping others identify and reduce their financial risk exposure. However, there is room for error, like anyone providing professional services. Whether you own a large firm or offer accounting services on the side, carrying accounting professional liability insurance is critical to your success. At Zensurance, our mission is to make insurance as accessible as possible. We wrote this guide to help you navigate getting liability insurance for accountants. Accountant professional liability insurance provides comprehensive protection against the specific risks of offering accounting services, including negligence and malpractice, and meets all CPA requirements. This policy package is specially designed for people whose duties include, but are not limited to: Tax Computations, Filing, and Planning  Financial Consulting and Planning Audit and Review Engagements Our specialized team of brokers will always ensure you receive the most comprehensive coverage for your business. In Canada, individuals offering accounting services to the public are required by the Chartered Professional Accountants of Canada (CPA Canada) to carry professional liability insurance. Professional Liability Insurance, also known as Errors & Omissions (E&O) Insurance or Malpractice Insurance, protects accounting professionals against claims or lawsuits alleging financial loss due to a service you provided, professional negligence, misconduct, or failure to deliver services as promised. Claims and lawsuits covered... --- ### Telehealth Insurance > At Zensurance we simplify the process of getting telehealth insurance. Get a free quote, it's quick and easy! - Published: 2021-03-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/telehealth-insurance Telehealth Insurance Telehealth Insurance protects healthcare practitioners from the risks associated with delivering services remotely. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Health-Wellness-Business-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/08/Virtual-Doctor. svgInsurance for Telehealth professionalsWhether you offer telemedicine or offer virtual wellness services, navigating the evolving digital landscape requires a robust risk management strategy. We wrote this guide to help you navigate the basics of liability insurance for your telehealth practice. The increased take-up of online services is beneficial for telehealth practitioners and their clients; however, the new business model offers unique risks. Variations in the scope of care, regulations, data risks, and the use of mobile technology (e. g. , wearable devices) may make it challenging to find comprehensive coverage. Telehealth Insurance is designed to protect telemedicine practitioners against specific risks associated with providing virtual health and wellness services. Some of our clients include: Mental Health Service Providers (e. g. , counsellors, therapists, psychologists) Health Service Providers (e. g. . , pharmacists, nutritionists, physicians, dermatologists) Health and Wellness Instructors (e. g. , fitness, yoga, meditation) mHealth Providers (e. g. , wearable technology, apps, devices) Most Telehealth Insurance policies provide worldwide coverage. Any health care professional providing virtual care through an online or digital platform should protect themselves with a Telehealth Insurance policy package. Every telehealth practice is unique, and insurance requirements may vary; a comprehensive policy package for telemedicine practitioners will typically include the following coverages: Professional Liability Insurance, also known as Malpractice Insurance, offers coverage for actual or alleged negligence, errors, omissions, or failure to... --- ### Plumbing Insurance > At Zensurance, we simplify the process of getting liability insurance for plumbing contractors. Get a free quote, it's quick & easy! - Published: 2021-03-05 - Modified: 2024-03-26 - URL: https://www.zensurance.com/contractor-insurance/plumbing Plumbing Insurance Whether you’re an independent contractor or operate a team of plumbers, protect your business with plumbing liability insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2020/06/Plumbing-Insurance-207x300. pnghttps://www. zensurance. com/wp-content/uploads/2022/08/Plumber. svgInsurance for plumbersAs one of Canada’s essential trades, plumbers ensure water distribution systems work correctly. Plumbing, however, is not an easy job. Whether you are a residential or commercial plumber, there is a high level of risk, and damaging a client’s property can spark a lawsuit quicker than water rushing out of the floodgates. At Zensurance, our mission is to make insurance as easy and accessible as possible. We wrote this guide to help you navigate the basics of plumber insurance. Mistakes happen, and you may be held liable for any unforeseen accidents resulting from business-related activities. Plumbing liability insurance policy package protects against common risks plumbers face while working on a job site, including third-party bodily injury and property damage. Plumbing insurance is designed to cover the legal ramifications following an accident resulting in damages, loss, or injury to both equipment you own and the property of your clients. Comprehensive coverage for plumbers typically includes the following coverage: Commercial General Liability Insurance (CGL), also known as plumbers liability insurance, is the most commonly purchased insurance coverage. It provides financial protection against claims or lawsuits alleging third-party property damage or bodily injuries. As a plumber, you are well aware of the amount of damage broken water pipes can cause. If the damage results from services you provided, your Commercial General Liability... --- ### RVZ > Zensurance and Ryerson Venture Zone have partnered to offer RVZ Members savings on commercial insurance for their startups. - Published: 2021-02-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/technology-insurance/rvz https://www. zensurance. com/wp-content/uploads/2021/02/zensurance-rvz-logo-e1612981653185. png Welcome, RVZ Members! Canada's leading digital insurance brokerage, Zensurance has partnered with Ryerson Venture Zone to provide RVZ Members with savings on business insurance for startups.  Get your free quote today! It’s easy and takes only a few minutes. Get a Free Quote What is Business Insurance? Business insurance is a term used to describe a group of insurance policies that protect business owners from losses due to unforeseen events that may occur during day-to-day business operations, including third-party bodily injuries, cybercrime, or negligence. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does Business Insurance cover? A comprehensive policy package for technology startups typically includes: Commercial General Liability Insurance (CGL) protects you from the everyday risks you can expect to face in your day-to-day business operations, including third-party property damage or bodily injuries resulting from negligence.   Professional Liability Insurance, also known as Errors & Omissions, protects professionals from client claims alleging financial loss due to a service you provided, as well as lawsuits alleging negligence, misconduct, and failure to deliver services as promised.   Cyber Liability Insurance includes coverage for costs associated with cybercrime involving your technology systems and customer data. Cybercrime Insurance can be purchased in addition to Cyber Liability Insurance to provide coverage for loss of funds due to cybercrime, which may include phishing, hacking, or social engineering fraud. This policy provides coverage for notification costs, data restoration, and legal expenses. Product Liability Insurance protects business owners against claims alleging third-party property damage or bodily injury caused by... --- ### Partner - Fixe Beauty > Zensurance and Fixe Beauty have partnered to offer Lash Pro members savings on commercial insurance for their businesses. - Published: 2021-02-10 - Modified: 2023-06-02 - URL: https://www.zensurance.com/beauty-insurance/fixe-beauty https://www. zensurance. com/wp-content/uploads/2021/02/zensurance-fixe-beauty-logo. png Welcome, Fixe Beauty Members! Canada's leading digital insurance brokerage, Zensurance has partnered with Fixe Beauty to provide savings of up to 35% off on insurance for your beauty business.  Get your free quote today! It’s easy and takes only a few minutes. Get a Free Quote Join thousands of Canadian businesses that are already protected! What is Business Insurance? Business Insurance is an umbrella term used to describe insurance policies that protect beauty business owners from losses due to unforeseen events that may occur during day-to-day business operations, including negligence, equipment- or treatment-related injuries. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does Business Insurance cover? A comprehensive policy package for beauty entrepreneurs will typically include the following types of coverage: Commercial General Liability Insurance (CGL) protects you from common risks you can expect to face in your day-to-day business operations, including third-party property damage or bodily injuries. Professional Liability Insurance, also known as Errors and Omissions Insurance, is designed to covers costs associated with claims or lawsuits alleging negligence, misconduct, or failure to deliver a service as promised. Cyber Liability Insurance, which includes coverage for costs associated with cybercrime involving customer data. Cybercrime Insurance can be purchased in addition to Cyber Liability Insurance to provide coverage for loss of funds due to cybercrime, which may include phishing, hacking, or social engineering fraud. This policy provides coverage for notification costs, data restoration, and legal expenses. Product Liability Insurance protects business owners against claims alleging third-party property damage or bodily injury... --- ### Yoga Insurance > Insurance for yoga instructors and yoga studios starting from $19/month. Compare yoga insurance quotes and save with Zensurance. - Published: 2021-01-22 - Modified: 2024-08-27 - URL: https://www.zensurance.com/yoga-insurance Yoga Insurance Whether you own a yoga studio or a self-employed instructor, protect yourself from potential liabilities with Yoga Insurance.   Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/08/Yoga-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2024/08/Yoga-Teacher. svgInsurance for yoga instructorsAs an industry, yoga is rapidly expanding. With new styles (goat yoga, anyone? ) and accessible offerings, anyone, anywhere, can roll out their mat and start a practice. However, despite the soothing nature of the practice, teaching yoga is a risky business. This is because yoga instructors offer a service, which often includes physical adjustments. As such, you may be liable for injuries or damage that occur under your instruction. Whether you teach part-time at a local gym or own a yoga studio, a robust risk management strategy is essential to your business’s survival. When it comes to insuring your yoga practice, unique factors, such as modality, location, and additional services (e. g. , Thai massage), must be considered to find the perfect coverage for you. Our Yoga Insurance policy packages are specially designed to protect yoga instructors against specific risks, such as injuries or malpractice, commonly associated with wellness practices. Every yoga practice is unique, and insurance requirements may vary by modality; however, a comprehensive policy package for yoga instructors will typically include the following coverages: Commercial General Liability Insurance: General liability insurance, also known as “slip-and-fall insurance,” is a basic form of coverage that protects against day-to-day risks you may encounter while running your business. It can protect your business against claims of third-party bodily injury... --- ### AWS > Zensurance and AWS have partnered to offer Activate Members savings on commercial insurance for their startups. - Published: 2021-01-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/technology-insurance/aws https://www. zensurance. com/wp-content/uploads/2021/01/CPRIC-2-e1610135979841. png Welcome AWS Activate Members! Canada's leading digital insurance brokerage, Zensurance has partnered with AWS to provide savings of up to 35% off on business insurance for Technology and eCommerce Startups.  Get your free quote today! It’s easy and takes only a few minutes. Join thousands of Canadian businesses that are already protected! Get Exclusive Quote for FREE Partnerships with over 50 leading Canadian insurance providers https://www. zensurance. com/wp-content/uploads/2019/08/Media-and-Marketing-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2019/06/chubb-small-business-insurance. svghttps://www. zensurance. com/wp-content/uploads/2019/06/beazley-commercial-insurance-canada. svghttps://www. zensurance. com/wp-content/uploads/2019/06/portage-mutual-insurance-for-small-business. svghttps://www. zensurance. com/wp-content/uploads/2019/07/Lloyds_of_London_logo. svghttps://www. zensurance. com/wp-content/uploads/2019/06/travelers-logo-1. svg What is Business Insurance? Business insurance is an umbrella term used to describe insurance policies that protect business owners from losses due to unforeseen events that may occur during day-to-day business operations, including third-party property damage, errors, or bodily injuries. Get Exclusive Quote for FREEhttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does Business Insurance cover? A comprehensive policy package for Technology and eCommerce startups will typically include the following types of coverage: Commercial General Liability Insurance (CGL) protects you from common risks you can expect to face in your day-to-day business operations, including third-party property damage or bodily injuries.   Professional Liability Insurance, also known as Errors and Omissions Insurance, is designed to covers costs associated with claims or lawsuits alleging negligence, misconduct, or failure to deliver a service as promised. Cyber Liability Insurance, which includes coverage for costs associated with cybercrime involving your technology systems and customer data. Cybercrime Insurance can be purchased in addition to Cyber Liability Insurance to provide coverage for loss of funds due... --- ### Legal Expense Insurance > At Zensurance we simplify the process of getting Legal Expense Insurance. Get a free quote, it's quick and easy! - Published: 2020-12-23 - Modified: 2024-08-01 - URL: https://www.zensurance.com/legal-expense-insurance Legal Expense InsuranceHiring a lawyer can be intimidating and expensive. Where do you even start? When a small business owner is spending $500 an hour to seek legal representation, they can quickly find themselves choosing between going into debt or having no representation at all. This is where legal expense insurance can be useful. https://www. zensurance. com/wp-content/uploads/2024/08/Bubble_Legal-Expense-Insurance. svg Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: You conduct a system security analysis for a large financial company. Your client is unhappy with the report outcome and refuses to pay the $25,000 owed to you for your services. Outcome: You call the Legal Helpline and are assigned a lawyer, who recovers $20,000 from your client, plus your insurance covered all of the legal fees. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: The CRA audits your tax returns and contests numerous business expenses and deductions, leaving you with a $33,000 tax bill. Outcome: The Legal Helpline appoints a tax lawyer to represent you in the appeal process. The appeal is successful, and you save $10,000 in legal fees. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: An employment you recently let go of files a lawsuit against you, claiming wrongful termination. Outcome: The Legal Helpline appoints an employment lawyer to handle negotiations with your employer, reaching a settlement and saving you $15,000 in legal fees. Legal Expense Insurance, Explained. What is Legal Expense Insurance? Legal Expense Insurance is a policy coverage that provides access to legal advice on a set of common business topics with an experienced lawyer and the... --- ### Builder’s Risk Insurance > At Zensurance we simplify the process of getting builder's risk insurance. Get a free quote, it's quick and easy! - Published: 2020-12-18 - Modified: 2024-08-01 - URL: https://www.zensurance.com/builders-risk-insurance Builder’s Risk Insurance Are you building a dream home?   Are you doing a significant renovation to your home or commercial space? Protect your dream with Builder's Risk Insurance while your home/space is under construction. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/08/Bubble_Builders-Risk-Insurance. svg Why Choose Zensurance? We help Canadian small business owners save time and money by providing a convenient and affordable way to buy business insurance. Purchase your insurance anytime, anywhere, with our easy-to-use online platform. Compare rates across leading insurance companies to ensure you get the best price on your premium. We use data and analytics to identify the right insurance policies for your business. Get a Free Quote Now Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: You store materials for a large commercial project in your warehouse a few kilometres from the site. A fire breaks out and destroys everything inside, including the materials.  Outcome: YourBuilder's Risk Insurancecovers the cost to replace the materials, and yourCommercial Property Insurancecovers the restoration of your warehouse, totalling$375,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: During the construction of a condo building, it is discovered that poor caulking on the balconies has allowed cold air to come into the building and freeze some of the pipes, resulting in water damage.  Outcome: YourBuilder's Risk Insurancecovers the cost to replace the pipes and reseal the affected balconies, totalling $88,000.  https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: Your team is hired to do an extensive restoration of a historical home before it opens as a museum. Vandals break in... --- ### Partner - CPIRC > Zensurance and the Canadian Private Investigation Resource Center have partnered to provide the fastest and easiest way to get insurance. - Published: 2020-12-17 - Modified: 2023-05-29 - URL: https://www.zensurance.com/cpric https://www. zensurance. com/wp-content/uploads/2020/12/CPRICZEN3. png Welcome CPIRC Members! The Canadian Private Investigator Resource Centre and Zensurance have partnered to help you save up to 35% on business insurance. Get your free quote today! It’s super easy and takes only a few minutes. Get a Free Quote Join thousands of Canadian businesses that are already protected! What is Private Investigator Insurance? Private Investigator Insurance is a policy package specially designed to protect private investigators against specific risks associated with their professions, such as negligence, cybercrime, or third-party damages. Mistakes can happen and disrupt your business in a matter of minutes. We know what makes your business unique; leave it to us to find the best fit for you. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What doesPrivate Investigator Insurancecover? Comprehensive insurance coverage for a Private Investigator  will typically include the following policies: Errors and Omissions Insurance, also is known as Professional Liability Insurance, is designed to covers costs associated with claims or lawsuits alleging negligence, errors, omissions, or failure to deliver a service as promised. Commercial General Liability Insurance (CGL)provides coverage for claims or lawsuits alleging third-party property damage or bodily injuries.  Cyber Insurance covers costs associated with a data breach or damage to data systems. This policy may provide financial coverage for loss of income, notification costs, and data infrastructure repair. https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needsPrivate Investigator Insurance? Any private investigator or company providing professional consulting services protect themselves with Private Investigator Insurance. If a client determines your advice or service was less than satisfactory or resulted... --- ### Mississauga Business Liability Insurance > At Zensurance we simplify the process of getting Business Insurance in Mississauga. Get a free quote, it's quick & easy! - Published: 2020-12-11 - Modified: 2024-10-08 - URL: https://www.zensurance.com/mississauga-business-liability-insurance Mississauga Business Insurance Business liability insurance is crucial to protect your Mississauga business against risks of property damage or liability claims. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Architect-Insurance. svg Partnerships with over 50 leading Canadian insurance providers https://www. zensurance. com/wp-content/uploads/2019/06/chubb-small-business-insurance. svghttps://www. zensurance. com/wp-content/uploads/2019/06/beazley-commercial-insurance-canada. svghttps://www. zensurance. com/wp-content/uploads/2019/06/portage-mutual-insurance-for-small-business. svghttps://www. zensurance. com/wp-content/uploads/2019/07/Lloyds_of_London_logo. svghttps://www. zensurance. com/wp-content/uploads/2019/06/travelers-logo. svg Commercial insurance tailored for your business Business Liability Insurance (Commercial Insurance) protects Mississauga business owners from losses due to unforeseen events during normal business operations, such as property damage, errors, or injuries.   There are many types of insurance for businesses that protect them according to their industry, size, and revenue. Some of these types include general liability insurance, errors and omissions insurance, or directors & officers liability insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does business liability insurance cover? While business insurance is not an insurance type per se, it is usually used as an umbrella term to refer to commercial general liability insurance and all the business insurance sub-types. Explore the following insurance policies for specific coverage information:​ Commercial General Liability Insurance (CGL) Professional Liability Insurance (also known as Errors and Omissions) Commercial Property Insurance Commercial Auto Insurance Cyber Insurance Directors and Officers Insurance Product Liability Insurance Special Event Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs business liability insurance? Regardless of your business type, owning insurance is critical for the long term survival of any business. Cover the financial costs associated with unforeseen events such as damage caused to 3rd parties, accusations of professional negligence, or defective... --- ### London Business Liability Insurance > At Zensurance we simplify the process of getting Business Insurance in London, ON. Get a free quote, it's quick & easy! - Published: 2020-12-11 - Modified: 2024-10-08 - URL: https://www.zensurance.com/london-business-liability-insurance Business Insurance London Business liability insurance is crucial to protect your London business in the event of a liability claim or accident. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Small-Business-Insurance. svg Partnerships with over 50 leading Canadian insurance providers https://www. zensurance. com/wp-content/uploads/2019/06/chubb-small-business-insurance. svghttps://www. zensurance. com/wp-content/uploads/2019/06/beazley-commercial-insurance-canada. svghttps://www. zensurance. com/wp-content/uploads/2019/06/portage-mutual-insurance-for-small-business. svghttps://www. zensurance. com/wp-content/uploads/2019/07/Lloyds_of_London_logo. svghttps://www. zensurance. com/wp-content/uploads/2019/06/travelers-logo. svg Commercial insurance tailored for your business Business Liability Insurance (Commercial Insurance) protects London business owners against losses due to unforeseen events that may occur during day-to-day business operations, such as property damage, errors, or injuries. There are many types of insurance for businesses that protect them according to their industry, size, and revenue. Some of these types include general liability insurance, errors and omissions insurance, or directors & officers liability insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does business liability insurance cover? While Business Insurance is not an insurance type per se, it is usually used as an umbrella term to refer to commercial general liability insurance and all the business insurance sub-types. Explore the following insurance policies for specific coverage information:​ Commercial General Liability Insurance (CGL) Professional Liability Insurance (also known asErrors and Omissions) Commercial Property Insurance Commercial Auto Insurance Cyber Liability Insurance Directors and Officers Insurance Product Liability Insurance Special Event Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs business liability insurance? Regardless of your business type, owning insurance is critical for the long term survival of any business. Cover the financial costs associated with unforeseen events such as damage caused to 3rd parties, accusations of... --- ### Cyber Liability Insurance > Cyber insurance provides comprehensive protection to cover the costs associated with data breaches and cyber attacks against your business. - Published: 2020-12-11 - Modified: 2024-10-08 - URL: https://www.zensurance.com/cyber-liability-insurance Cyber Liability Insurance When business systems are breached or hacked, you can incur costly containment and repair expenses, with the risk of lawsuits. Cyber Liability Insurance protects businesses against these risks. https://www. zensurance. com/wp-content/uploads/2024/08/Bubble_Cyber-Liability-Insurance. svg Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: A cyber hacker pretends to be a customer and tricks your employee into clicking a malicious link, providing access to your client’s financial information. Outcome: YourCyber Insurance covers the costs of informing these individuals of their compromised data and providing credit monitoring, totalling $500,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: You are a dietitian providing online consultations. A cybercriminal hacks into your system and steals your patient’s confidential data. Outcome: YourCyber Risk Insurancepolicy covers the cost to notify clients and subsequent legal expenses. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem:You run a successful e-commerce business. Your data systems are hacked and your customers’ financial information is compromised. Outcome: YourCyber Security Insurancecovers the cost to repair your data systems, notify your customers, and cover legal fees, totalling $455,000. Cyber Liability Insurance, Explained. What is Cyber Liability Insurance? Cyber insurance is an extended business liability coverage that protects against cyber security risks involving your technology systems and customer data. As businesses move into the digital space, cybercrime is becoming more common, making it challenging for business owners to protect themselves from cyber-attacks. If hackers or cyber criminals infiltrate your business network, take over your website, hold data hostage, or steal sensitive client information, you can be held liable for the incident besides having to... --- ### Directors and Officers Liability Insurance > At Zensurance we simplify the process of getting Directors and Officers Insurance. Get a free quote, it's quick & easy! - Published: 2020-12-04 - Modified: 2024-08-01 - URL: https://www.zensurance.com/directors-and-officers-liability-insurance Directors and Officers Insurance Individuals serving on boards of public, private or non-profit organizations can be personally pursued for the actions of the companies they serve. Directors & Officers Liability Insurance can protect them against that risk. https://www. zensurance. com/wp-content/uploads/2024/08/Bubble_Directors-Officers-Liability-Insurance. svg D&O Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: After filing for bankruptcy, your non-profit organization fails to repay a loan from another organization for a charity event.   Outcome: The charity sues your organization for breach of trust for failing to repay the funds. Your D&O Insurance covers the legal fees and monetary judgment, totalling $530,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: A member of the Board is found to have mismanagement of government-granted funds. They are named in a lawsuit for breach of fiduciary duties. Outcome: Your Directors & Officers Insurance covers the legal expenses and settlement fees, totalling $120,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: A private investor heavily invests in your organization. However, it is later discovered that the Board misrepresented the organization's financial situation to secure funding. Outcome:The investor sues your company and directors for misrepresentation. Your D&O policy covers the legal fees and settlement, totalling $639,000. Directors and Officers Insurance, Explained. What is Directors and Officers Liability Insurance? Directors and Officers Liability Insurance (D&O) covers costs associated with indemnification, losses or legal defence against an individual who serves as a director or officer for the board of a corporation, whether it’s for-profit or non-profit, public or private. Directors and officers can be liable for alleged actions such... --- ### Partner - OAFM > Zensurance and the Ontario Association for Family Mediation have partnered to provide members savings on business insurance. - Published: 2020-12-02 - Modified: 2022-12-14 - URL: https://www.zensurance.com/ontario-association-family-mediation https://www. zensurance. com/wp-content/uploads/2020/12/OAFM-ZENSURANCE-LOGO. png Welcome OAFM Members! The Ontario Association for Family Mediation and Zensurance have partnered to help you save on business insurance. Get your free quote today! It's easy and takes only a few minutes. Get a Free Quote Join over 65,000 Canadian business owners that trust Zensurance! Ready to start? Let’s get a quote! We're here to support Ontario Association for Family Mediation members. Let us help you find the best policy to cover your professional risks. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/Commercial-Liability-Insurance-Zen-Woman. svgGet a Free Quote --- ### Commercial Property Insurance > Commercial Property Insurance -protect your business-owned building, property and contents from unexpected events. Get a free quote today! - Published: 2020-11-27 - Modified: 2024-08-01 - URL: https://www.zensurance.com/commercial-property-insurance Commercial Property InsuranceWhether you rent or own your business space, having commercial property insurance can provide financial coverage for physical loss or damage to your building, property and contents. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/08/Bubble_Commercial-Property-Insurance. svg Why Choose Zensurance? We help Canadian business owners save time and money by providing a convenient and affordable way to buy commercial property insurance. Purchase your insurance anytime, anywhere, with our easy-to-use online platform. Compare rates across leading insurance companies to ensure you get the best price on your premium. We use data and analytics to identify the right insurance policies for your business. Get a Free Quote Now Commercial Property Insurance Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svgProblem: There is a fire in your office building, which results in damage to your office furniture and computer equipment.  Outcome: Your commerical property insurance covers the cost to replace all of the insured contents damaged in the fire.  https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svgProblem: Three of your company laptops were stolen out of your car while parked at a client's office.  Outcome: Your business contents insurance covers the cost to replace your laptops. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svgProblem: A flash flood causes significant water damage to your rental property. Outcome: Your commercial building insurance covers the cost to repair the damage to your property. Commercial Property Insurance, Explained. What is Commercial Property Insurance? Commercial property insurance provides financial coverage for physical loss or damage to your property and its physical contents due to an external disaster, such as a... --- ### General Liability Insurance > Commercial general liability insurance protects your small business against legal claims of injury and property damage. Get a free CGL quote! - Published: 2020-11-20 - Modified: 2025-01-01 - URL: https://www.zensurance.com/general-liability-insurance Commercial General Liability Insurance Protect your small business from third-party injury and property damage claims with commercial general liability insurance. https://www. zensurance. com/wp-content/uploads/2024/08/Bubbles_Commercial-General-Liability-Insurance. svg General Liability Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Bodily injury Problem: Your client slips on the stairs on their way into your office, resulting in a broken wrist.  Outcome: The client successfully sues your business for bodily injury. Your CGL coverage may cover the legal expenses and medical fees, totalling $25,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Property damage Problem: You're a general contractor hired to renovate a kitchen and accidentally damage your client's hardwood floors.  Outcome: Your CGL coverage policy covers the cost to repair the floors, totalling $10,000 in damages. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Product liability Problem: A customer suffers from severe food poisoning after dining at your restaurant. Outcome: The customer successfully sues you for bodily injury. Your CGL policy covers the medical expenses and legal fees, totalling $15,000. Commercial General Liability Insurance, Explained. What is commercial general liability insurance? Commercial general liability (CGL) is an insurance policy that provides financial coverage for claims of third-party bodily injury and property damage caused by your business resulting from negligence or unexpected accidents. Should your business be sued, CGL insurance typically covers compensatory damages awarded against you and any legal defence costs, regardless of the lawsuit's outcome. What does general liability insurance cover? General liability insurance typically includes coverage for legal costs and damages related to the following coverage areas: Bodily Injury Liability:Injuries or damage to a... --- ### Partner - Willful > Zensurance and Willful have partnered to provide the fastest and easiest way to insure your business. - Published: 2020-11-16 - Modified: 2022-10-17 - URL: https://www.zensurance.com/willful https://www. zensurance. com/wp-content/uploads/2020/11/willfull_zensurance-e1605547123733. png Welcome Willful Customers! Willful and Zensurance have partnered to help you save up to 35% on business insurance. Get your free quote today! It's super easy and takes only a few minutes. Get a Free Quote Join over 65,000 Canadian business owners that trust Zensurance!  https://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What is Business Insurance? Business insurance is an umbrella term used to describe insurance policies that protect business owners from losses due to unforeseen events that may occur during day-to-day business operations, including third-party property damage, errors, or bodily injuries. Explore the following business insurance policies for specific coverage information: Commercial Property Insurance Commercial General Liability Insurance Professional Liability Insurance Product Liability Insurance Directors and Officers Insurance Cyber Liability Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs Business Insurance? Any business that owns or leases commercial buildings, space, equipment, or inventory should consider protecting their property with a comprehensive Business Insurance package. Insurance is critical for your business’s long-term survival. Business insurance provides coverage for the financial costs associated with unforeseen events such as damage caused to third parties, accusations of professional negligence or defective products. Your business is unique, and coverage requirements will vary. Speak with a broker to find a policy to suit your specific business needs. https://www. zensurance. com/wp-content/uploads/2019/06/get-insurance-and-save-zensurance. svg How much is Business Insurance? We’ve partnered with over fifty insurance providers to offer you different options that suit your business needs at the best price. For a small- to medium-sized business, you can anticipate spending... --- ### Product Liability Insurance > At Zensurance we simplify the process of getting product liability insurance. Get a free quote, it's quick and easy! - Published: 2020-11-13 - Modified: 2024-08-01 - URL: https://www.zensurance.com/product-liability-insurance Product Liability InsuranceProtect your business from product-related claims and lawsuits with Product Liability Insurance. https://www. zensurance. com/wp-content/uploads/2024/08/Bubble_Product-Liability-Insurance. svg Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: A customer claims a skincare product you formulated and sold to them caused a severe chemical burn. Outcome: Your client successfully sues for bodily injury. Your Product Liability Insurance covers the medical fees and legal expenses, totalling $85,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: A customer claims a malfunction in the toy they purchased from your e-commerce site caused their toddler to choke. Outcome: The customer successfully sues you for bodily injury. Your Product Liability Insurance covers the legal expenses and costs to recall the product, totalling $134,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: Your distribution company is named in a lawsuit against one of your retail suppliers regarding a design malfunction. Outcome: Your Product Liability Insurance covers the legal expenses and monetary judgment, totalling $330,000. Product Liability Insurance, Explained. What is Product Liability Insurance? Product Liability Insurance protects business owners against claims alleging third-party property damage or bodily injury caused by a product you manufacture, distribute, or sell. It protects your business from damages from design, manufacturing, or marketing defects, such as incorrect labelling and safety warnings. What is not covered by Product Liability Insurance? Product Liability Insurance only covers third-party property damages or bodily injuries caused by a product you sell or manufacture. Any other damages to a third-party, such as slip-and-fall injuries, would be covered under a separate general liability insurance policy. How much... --- ### Malpractice Insurance > Medical malpractice insurance is a specialized professional liability policy offering coverage for health and medical professionals against patient lawsuits. - Published: 2020-11-06 - Modified: 2024-08-01 - URL: https://www.zensurance.com/malpractice-insurance Medical Malpractice InsuranceWhether you work in a clinical or non-clinical setting, Medical Malpractice Insurance is critical to your business's well-being. https://www. zensurance. com/wp-content/uploads/2024/08/Bubble_Malpractice-Insurance. svg Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: During a busy shift, you accidentally mislabel and administer the wrong prescription to a patient who suffers a severe reaction to the medication. Outcome: Your patient sues you for negligence. YourMalpractice Insurance covers the legal expenses and medical fees, totaling$50,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem:When reviewing your client's health history, you fail to notice an injury that may be aggravated by the treatment you recommend. The patient proceeds with the treatment, exacerbating the old wound. Outcome: The client sues you for neglect. YourMalpractice Insurance covers the medical expenses and legal fees, totaling $47,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: After a physiotherapy session, a patient accuses your employee of touching them inappropriately.  Outcome: You patient names your practice in a lawsuit, citing emotional distress. YourMalpractice Insurance covers the legal expenses and monetary judgment, totaling$102,000.   Malpractice Insurance, Explained. What is Medical Malpractice Insurance? Medical Malpractice Insurance is a specialized professional liability policy that provides financial protection for medical professionals against claims or lawsuits related to their professional activities, such as allegations of misconduct, negligence, errors and omissions, and equipment or treatment-related injuries. What does Malpractice Insurance cover? Medical Malpractice Insurance includes coverage for legal costs, financial loss and damages related to the following coverage areas: Professional Services Treatment-Related Injuries Failure to Monitor Failure to Inform  Failure to Communicate Substandard Treatment... --- ### Errors and Omissions Insurance > At Zensurance we simplify the process of getting Errors and Omissions insurance. Get a free quote, it's quick and easy! - Published: 2020-10-28 - Modified: 2024-11-08 - URL: https://www.zensurance.com/errors-and-omissions-insurance Errors and Omissions Insurance Alleged or otherwise, mistakes are inevitable. That’s why Errors and Omissions Insurance is critical. This policy provides financial coverage in case of accidental errors or alleged negligence. https://www. zensurance. com/wp-content/uploads/2024/08/Bubbles_Errors-Omissions-Insurance. svg Errors & Omissions Insurance, Explained. What does it cover? Errors and Omissions Insurance is a type of professional liability insurance, which protects professionals from client claims alleging financial loss due to a service you provided, as well as lawsuits alleging misconduct, negligence, errors, omissions, and failure to deliver services as promised. Errors and Omissions Insurance typically includes coverage for legal costs and damages related to the following coverage areas: Professional Services: Coverage for Negligent Acts or errors or omissions related to your services, or failure to deliver a service as promised. Media and Advertising: Media services resulting in your client getting sued for defamation, libel, or slander. How much does E&O insurance cost? For an Errors and Omissions Insurance policy with a limit of $100,000, you can anticipate spending on average $250 annually.  The following factors are typically taken into consideration when determining the cost of your premium: Industry and Services Offered Years of Experience Number of Employees Annual and Projected Revenue Business Size and Location In theonline quote application, we ask your business some questions to understand your coverage needs better. Learn more about E&O insurance costs. Who needs Errors and Omissions Insurance? You need Errors and Omissions Insurance if: You provide advice or offer services in exchange for a fee. You provide or develop products... --- ### Business Interruption Insurance > At Zensurance we simplify the process of getting business interruption insurance. Get a free quote, it's quick and easy! - Published: 2020-10-27 - Modified: 2024-04-23 - URL: https://www.zensurance.com/business-interruption-insurance Business Interruption Insurance Disasters often strike without warning, forcing you to temporarily close your business. Protect your business with Business Interruption Insurance. https://www. zensurance. com/wp-content/uploads/2020/02/Product-Liability-Man. svg Claims Examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: Following a kitchen fire, you have to close your cafe during restoration and repairs. Outcome: Your Business Interruption Insurance covers the income lost when you were closed, totalling $55,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: One of your suppliers suffers a fire, causing your shipments to be delayed and negatively impacts your income. Outcome: Your Contingent Business Interruption policy covers the income lost during the time it for your supplier to recover, totalling $79,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Problem: Your office was broken into and vandalized, forcing you to rent a temporary office space during repairs. Outcome: Your Business Interruption Insurance covers the temporary rental costs, as well as utility fees, totalling $18,000. Business Interruption Insurance, Explained. What is Business Interruption Insurance? Business Interruption Insurance provides coverage for net income lost following a covered property loss.   In addition to covering lost income, Business Interruption Insurance may also cover overhead costs required to keep your business operating, including rent and electricity, as well as employee payroll. Business Interruption Insurance is not a standalone policy.   It is typically included in your commercial property insurance policy or may be added to your existing policy as a rider. What does it cover? Business Interruption Insurance typically includes coverage for net income lost due to an insured disaster, as well as... --- ### Partner - Aspen Properties > Zensurance and Aspen Properties have partnered to provide the fastest and easiest way to insure your commercial property. - Published: 2020-10-21 - Modified: 2022-10-17 - URL: https://www.zensurance.com/aspen-properties https://www. zensurance. com/wp-content/uploads/2020/10/Untitled-design-15. png Commercial Insurance tailored to members of Aspen Properties! Aspen Properties and Zensurance have partnered to help you save up to 35% on business insurance. Get your free quote today! It's super easy and takes only a few minutes. Get a Free Quote Join over 65,000 Canadian business owners that trust Zensurance! https://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What is Business Insurance? Business insurance is an umbrella term used to describe insurance policies that protect business owners from losses due to unforeseen events that may occur during day-to-day business operations, including third-party property damage, errors, or bodily injuries. Explore the following business insurance policies for specific coverage information: Commercial Property Insurance Commercial General Liability Insurance Professional Liability Insurance Product Liability Insurance Directors and Officers Insurance Cyber Liability Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs Business Insurance? Any business that owns or leases commercial buildings, space, equipment, or inventory should consider protecting their property with a comprehensive Business Insurance package. Insurance is critical for your business’s long-term survival. Business insurance provides coverage for the financial costs associated with unforeseen events such as damage caused to third parties, accusations of professional negligence or defective products. Your business is unique, and coverage requirements will vary. Speak with a broker to find a policy to suit your specific business needs. https://www. zensurance. com/wp-content/uploads/2019/06/get-insurance-and-save-zensurance. svg How much is Business Insurance? We’ve partnered with over fifty insurance providers to offer you different options that suit your business needs at the best price. For a small- to... --- ### Professional Liability Insurance > Professional Liability Insurance provides financial protection for claims alleging negligence or failure to deliver a service as promised. - Published: 2020-10-09 - Modified: 2024-11-08 - URL: https://www.zensurance.com/professional-liability-insurance Professional Liability Insurance Financial protection for claims alleging negligence or failure to deliver a service as promised. Protect your practice with Professional Liability Insurance. https://www. zensurance. com/wp-content/uploads/2024/08/Bubble_Professional-Liability-Insurance. svg Professional Liability Insurance, Explained. What does it cover?  Professional Liability Insurance, also known as errors and omissions insurance, protects professionals from client claims alleging financial loss due to a service you provided and lawsuits alleging negligence, misconduct, and failure to deliver services as promised. This policy typically includes coverage for legal costs and damages related to the following areas: Professional Services:Coverage for Negligent Acts or errors or omissions related to your services or failure to deliver a service as promised. Media and Advertising: Media services provided that resulted in your client getting sued for defamation, libel, or slander. How much does it cost? For a basic Professional Liability Insurance policy with a limit of $100,000, you can anticipate spending approximately $250 annually. The following factors are typically taken into consideration when determining the cost of your premium: Industry and Services Offered Years of Experience Number of Employees Annual and Projected Revenue In theonline quote application, we ask your business some questions to understand your coverage needs better. Who needs this coverage? You need Professional Liability Insurance if: You provide advice or offer services in exchange for a fee. You provide or develop products or devices. Depending on the profession, it may be referred to as Errors and Omissions Insurance or Malpractice Insurance. For some occupations, is required to this coverage to practice legally.... --- ### Partner - CanWCC > Zensurance and the Canadian Women's Chamber of Commerce have partnered to provide the fastest and easiest way to save on business insurance. - Published: 2020-09-25 - Modified: 2023-05-23 - URL: https://www.zensurance.com/canwcc Welcome, CanWCC Members! The Canadian Women's Chamber of Commerce and Zensurance have partnered to help you save on a tailored business insurance package. Our products are specially designed for businesses at any stage across 100s of industries to ensure you get the coverage you need. Get your free quote today! It's easy and takes only a few minutes. Zensurance will donate $5 to SickKids, the Hospital for Sick Children, for each quote it receives. No purchase necessary - Terms & Conditions apply Get a Free Quote Now Free Legal Advice Session from Goodlawyer included CanWCC members will now get a FREE Legal Advice Session from Goodlawyer when they click below and get a quote! The Goodlawyer promo code will be sent by email in batches to CanWCC members after completing a quote. (No purchase necessary) Have questions? Please contact: promotions@zensurance. com https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs Business Insurance? Regardless of size or industry, insurance is critical for the long term survival of your business. Business insurance provides coverage for the financial costs associated with unforeseen events such as damage caused to third parties, accusations of professional negligence or defective products. Your business is unique and your coverage will vary. Speak with your broker to find a policy to suit your needs. Read about four examples where insurance saved a startup. https://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does Business Insurance cover? Business insurance is used as an umbrella term to describe common types of insurance business owners require to cover third-party liability... --- ### Business Insurance > Zensurance can help you find the best rates for business insurance. Protect your small business for as low as $19 per month! - Published: 2020-09-24 - Modified: 2025-04-11 - URL: https://www.zensurance.com/business-insurance Business Insurance Small business insurance policies starting from $19 per month. Getting insurance coverage for your business has never been this easy. https://www. zensurance. com/wp-content/uploads/2024/08/Bubble_Business-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2022/11/Small-Business-Owner. svg What is business insurance? Business insurance protects business owners from losses due to unforeseen events that may occur during day-to-day business operations, including third-party property damage, errors, or bodily injuries. There are many types of business insurance available for business owners. The type of coverage you need relies on several factors, including industry, size, and revenue. Getting business insurance is essential to protect against your unique risks and to ensure the long-term survival of your business. Get a Free Quote Claims examples https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg General Liability Problem: Your client slips on the stairs on their way into your company office, resulting in a sprained ankle. Outcome: The client successfully sues your business for bodily injury. YourCGL coverage covers the legal expenses and medical fees, totalling $15,000. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Commercial Property Problem: There is a fire in your office building, which results in damage to your office furniture and computer equipment. Outcome: Your Commercial Property Insurancecoverage covers the cost ($45,000) to replace the damaged items. https://www. zensurance. com/wp-content/uploads/2020/05/liability-icon. svg Directors Liability Problem:Your non-profit organization fails to repay a loan from another organization for a charity event.  Outcome:Your organization is sued for breach of trust for failing to repay the funds. Your D&O Insurance covers the settlement fees. Business insurance, explained. What does business insurance cover? Business insurance is... --- ### Partner - Atlantic Business Federation > Zensurance and the Atlantic Business Federation have partnered to provide members savings on business insurance policy packages. - Published: 2020-09-14 - Modified: 2023-06-02 - URL: https://www.zensurance.com/atlantic-business-federation Welcome, Atlantic Business Federation Members! The Atlantic Business Federation and Zensurance have partnered to offer you competitive rates on 100s of industry-specific business insurance packages. Get your free quote today! It’s easy and takes only a few minutes. 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You can use our service anywhere at anytime. https://www. zensurance. com/wp-content/uploads/2018/11/your-confidential-information-is-protected. svg Your information is protected Any information you provide to us is fully encrypted and only shared securely with your insurance company. https://www. zensurance. com/wp-content/uploads/2018/11/your-business-is-special-to-us. svg Your business is special to us We know what makes your business unique and we will find the best fit for your insurance needs. https://www. zensurance. com/wp-content/uploads/2018/11/understand-your-coverage. svg Understand your coverage We don't use fancy insurance jargon. We explain in plain English what coverages you need and what you are covered for. Get a Free Quote Ready To Start? Let's Get a Quote! Getting business... --- ### Commercial Insurance by Industry > Commercial Insurance by Industry - Select the industry or profession that your business operates for custom-tailored insurance quotes. - Published: 2020-07-28 - Modified: 2025-04-16 - URL: https://www.zensurance.com/commercial-insurance-industry Insurance coverage tailored for your industry From the day you start your business, you are exposed to many risks that may put its existence in jeopardy. At Zensurance, we offer specialized insurance packages specific to your industry or profession. Join thousands of Canadian businesses that are already protected! Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Small-Business-Insurance. svg Architect Engineer Interior Designer Auto Repair Shop Auto Detailer Car Wash Garage Beauty Insurance Barber Esthetician Eyelash/Eyebrow Extension Hair Stylist / Salon Microblading Nail Technician Spa Tanning Salon Tattoo Parlour Consultant HR Consultant IT Consultant Marketing Consultant Life Coach Oil and Gas Consultant Project Manager Recruitment and Staffing Travel Agent Virtual Assistant Wedding Planner General Contractor Construction Carpenter Concrete  Cleaners Demolition Drywaller Electrician Excavation Flooring Handyman HVAC Janitorial Junk Removal Landscaper Locksmith Painters Plumber Pest Control Pressure Washing Renovation Contractor Restoration and Remediation Roofing Snow Removal Pool Cleaning and Repair Tree removal Welder Window Cleaning Woodworking Counsellor Mental Health Practitioner  Occupational Therapist Social Worker Speech & Language Pathologist Tutor Entertainment DJ Musician Performer and Entertainer Health and Wellness Acupuncturist Audiologist Caregiver Chiropractor Clinics Daycare Dietitian Holistic Health Practitioner Home Health Care Nurse Optician Optometrist Pet Service Dog Trainer Dog Walker Pet Groomer Pet Sitter Personal Support Worker (PSW) Pharmacist Pharmacy Technician Psychologist Psychotherapist Physiotherapist Massage Therapist Reiki Practitioner Telehealth Hospitality Insurance Landlord Insurance Apartment Building Insurance Airbnb Host Bed and Breakfast Campground and RV Park Condos Cottage Rental Franchise Hotels and Accommodation Student Rental House Summer Camp VRBO Host Accountant Bookkeeper Life Insurance Agent Notary... --- ### Partner - Yardly > Zensurance and Yardly have partnered to provide the fastest and easiest way to insure your lawn care business. - Published: 2020-07-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/yardly Welcome Yardly Customers! Yardly and Zensurance have partnered to help you save on insurance for your small business. At Zensurance, we specialize in 100s of contracting professions including lawn care and snow removal. Get your free quote today! It's super easy and takes only a few minutes. Get a Free Quote Join over 50,000 Canadian business owners that trust Zensurance! https://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What is Contractor Insurance? Contractor Insurance is an insurance policy package specially designed to protect against the specific risks associated with contracting trades, such as third-party property damage and equipment theft. Mistakes can happen and disrupt your business in a matter of minutes. Not only will protect you from financial loss, but it will also help in securing jobs. In today’s increasingly litigious society, clients want to see that they have secured contracting resources that are adequately insured. We've insured more than 1,000 contractors. Some of our clients include:  Landscapers & Gardeners Snow Removal Contractors Lawn Cleaning Professionals https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg What does Contractor Insurance cover? The most common policy types for contractors specializing in lawn care and snow removal are: Commercial General Liability Insurance (CGL):CGL is a business insurance policy that protects you and your business from common risks you may face as a contractor, such as third-party property damage and bodily injuries. CGL may also cover legal and medical costs. Equipment & Tools Insurance: Coverage for equipment and tools covers equipment and their accessories, the property of others in your care, and portable business tools... --- ### Pollution Liability Insurance > At Zensurance, we simplify the process of getting Pollution Liability Insurance insurance for contractors. Get a free quote, it's quick & easy! - Published: 2020-06-09 - Modified: 2024-04-23 - URL: https://www.zensurance.com/contractor-insurance/pollution-liability Pollution Liability InsuranceNo matter the risk of pollution exposure, all contractors should be covered. Protect your business with Pollution Liability Insurance. Join thousands of contractors that are already protected! 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Pollution Liability Insurance is a type of insurance coverage designed to protect contractors against the specific risks and environmental liabilities associated with exposure to pollution while working on a covered job site.   Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does it cover? Pollution Liability Insurance covers third-party bodily injury, property damage, and environmental damage due to both gradual and sudden pollution events that occur on a covered job site.  Coverage highlights include:  Civil Fines, Civil Penalties, and Assessments Emergency Response Costs  Clean-up Costs and Environmental Damage Transportation Exposures (e. g. , loading, unloading) In addition to Pollution Liability Insurance, for comprehensive coverage contractors may wish to consider additional insurance policies, such as: Commercial General Liability Insurance Tools and Equipment Insurance Commercial Auto Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs Pollution Liability Insurance? Any individual or business exposed to pollution or harmful materials should protect their business with Pollution Liability Insurance. For many projects, insurance is required (COI) regardless of the level of pollution exposure, and it is an essential form of coverage for contractors providing restoration, mold, and/or asbestos remediation.  We’ve insured more than... --- ### Complaints Procedure > We have developed a formal complaint* handling protocol in accordance with the Insurance Companies Act of Canada to ensure your concerns are addressed expeditiously by us. - Published: 2020-05-20 - Modified: 2024-11-14 - URL: https://www.zensurance.com/complaints-procedure Complaints Procedure Our goal is to provide excellent service, but we recognize that there may be occasions when you feel we could do better. We have developed a formal complaint* handling protocol to assist you in understanding the steps we will undertake to help resolve any dispute which may arise with a product or service. We are not your insurance company, we are your insurance broker, and it is our goal to assist you in dealing with your insurance carrier. All complaints will be handled in a professional manner. It is our goal to resolve your complaint as quickly as possible. Please follow the steps below to log your complaint with Zensurance; include your full name, address, and telephone number. In addition to providing the details of your complaint, please provide your policy or claim number. We will work very diligently to provide a response, and to hopefully resolve the problem to your satisfaction. What is a Complaint? A ‘Complaint’ is, the expression of at least one of the following elements that persists after being considered and examined at the operational level capable of making a decision on the matter: A reproach against an organization The identification of real or potential harm that a consumer has experienced or may experience. A request for remedial and/or additional action. 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Although it does not represent any specific insurance policy, the most common policies that are bundled into Ontario Business Insurance are Commercial General Liability Insurance (CGL), Professional Liability Insurance, Contents coverage, and depending on the nature of the business, Cyber Liability Insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svgWhat Does Ontario Business Insurance Cover? It provides protection to Ontario businesses from many common risks they are likely to face, both general and operational. 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Join thousands of Canadian businesses that are already protected! Get a Free Quote Partnerships with over 50 leading Canadian insurance providers https://www. zensurance. com/wp-content/uploads/2019/08/Ontario-Business-Liability-Insurance. svghttps://www. zensurance. com/wp-content/uploads/2019/06/chubb-small-business-insurance. svghttps://www. zensurance. com/wp-content/uploads/2019/06/beazley-commercial-insurance-canada. svghttps://www. zensurance. com/wp-content/uploads/2019/06/portage-mutual-insurance-for-small-business. svghttps://www. zensurance. com/wp-content/uploads/2019/07/Lloyds_of_London_logo. svghttps://www. zensurance. com/wp-content/uploads/2019/06/travelers-logo-1. svg What is Ontario Liability Insurance? Liability Insurance may refer to a broad range of insurance coverage which are designed to protect a business against various claims where the business may be held liable for damages to a third party. 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Complete our 5-minute online application to get a free business insurance quote. - Published: 2019-08-14 - Modified: 2023-10-24 - URL: https://www.zensurance.com/bullfrog-insurance Bullfrog Insurance Alternative Switching business insurance has never been easier. Zensurance is the leading online provider of small business insurance.   Providing coverage for 1000s of professions across Canada.   Compare your price and get the coverage you need in under 10 minutes. 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Regardless of your business type, owning insurance is critical for the long term survival of any business. Cover the financial costs associated with unforeseen events such as damage caused to 3rd parties, accusations of professional negligence or defective products.... --- ### Vancouver Business Liability Insurance > Vancouver Business liability Insurance - At Zensurance we simplify the process of getting Business Insurance. Get a free quote, it's quick and easy! - Published: 2019-08-14 - Modified: 2024-10-08 - URL: https://www.zensurance.com/vancouver-business-liability-insurance Business Insurance Vancouver Business Liability Insurance is crucial to protect your Vancouver business against risks of property damage or liability claims. 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Some of these types include general liability insurance, errors and omissions insurance or directors & officers liability insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does business liability insurance cover? While business insurance is not an insurance type per se, it is usually used as an umbrella term to refer to commercial general liability insurance and all the business insurance sub-types. Explore the following insurance policies for specific coverage information:​ Commercial General Liability Insurance (CGL) Professional Liability Insurance (also known as Errors and Omissions) Commercial Property Insurance Commercial Auto Insurance Cyber Insurance Directors and Officers Insurance Product Liability Insurance Special Event Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs business liability insurance? Regardless of your business type, owning insurance is critical for the long term survival of any business. Cover the financial costs associated with unforeseen events such as damage caused to 3rd parties, accusations of professional negligence or defective products.... --- ### Toronto Business Liability Insurance > Protect your business with Zensurance. Small business insurance quotes starting at $19 per month. Get a free quote today! - Published: 2019-08-14 - Modified: 2024-10-08 - URL: https://www.zensurance.com/toronto-business-liability-insurance Business Insurance Toronto A quick and affordable way to protect your Toronto business against risks of property damage or liability claims. Get a free business insurance quote online. 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Small business insurance is an umbrella term used to describe a range of coverages that provide financial protection against common risks that pose a threat to your small business operations, such as bodily injury, property damage, or failure to deliver a service as promised. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does Small Business Insurance cover? The type of coverage you need for your small business will vary based on the industry you operate in and the services you provide. A comprehensive insurance policy package may include: Commercial General Liability Insurance (CGL) provides financial protection against claims or lawsuits alleging third-party bodily injury or property damage as a result of your business operations. Professional Liability Insurance, also known as Errors and Omissions Insurance, protects professionals against claims or lawsuits alleging negligence, errors, omissions, or failure to deliver a service as advertised. Product Liability Insurance protects against claims or lawsuits alleging third-party bodily injury or property damage due to a product you sold or manufactured. https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs Small Business Insurance? The survival of your business... --- ### Saskatoon Business Liability Insurance > At Zensurance we simplify the process of getting Business Liability Insurance in Saskatoon. Get a free quote, it's quick & easy! - Published: 2019-08-14 - Modified: 2024-04-22 - URL: https://www.zensurance.com/saskatoon-business-liability-insurance Business Insurance Saskatoon Let Zensurance find the best business insurance quote for your Saskatoon business. 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Some of these types include general liability insurance, errors and omissions insurance or directors & officers liability insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does Business Liability Insurance cover? While business insurance is not an insurance type per se, it is usually used as an umbrella term to refer to commercial general liability insurance and all the business insurance sub-types. Explore the following insurance policies for specific coverage information:​ Commercial General Liability Insurance (CGL) Professional Liability Insurance (also known as Errors and Omissions) Commercial Property Insurance Commercial Auto Insurance Cyber Insurance Directors and Officers Insurance Product Liability Insurance Special Event Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs Business Liability Insurance? Regardless of your business type, owning insurance is critical for the long term survival of any business. Cover the financial costs associated with unforeseen events such as damage caused to 3rd parties, accusations of professional negligence or defective products. Here are some industries that we... --- ### Saskatchewan Business Liability Insurance > Zensurance can help your Saskatchewan small business find the most affordable business insurance quotes. Liability insurance starts from $19 per month. - Published: 2019-08-14 - Modified: 2024-04-22 - URL: https://www.zensurance.com/saskatchewan-business-liability-insurance Saskatchewan Business Insurance Business liability insurance is crucial to protect your business from third-party property damage or injury claims. Get a free business insurance quote online for your Saskatchewan business. 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There are many types of insurance for businesses that protect them according to their industry, size and revenue. Some of these types include general liability insurance, errors and omissions insurance or directors & officers liability insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does business liability insurance cover? While business insurance is not an insurance type per se, it is usually used as an umbrella term to refer to commercial general liability insurance and all the business insurance sub-types. Explore the following insurance policies for specific coverage information:​ Commercial General Liability Insurance (CGL) Professional Liability Insurance (also known as Errors and Omissions) Commercial Property Insurance Commercial Auto Insurance Cyber Insurance Directors and Officers Insurance Product Liability Insurance Special Event Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs business liability insurance? Regardless of your business type, owning insurance is critical for the long term survival of any business. Cover the financial costs associated with unforeseen events such as... --- ### Alberta Business Liability Insurance > Get low-cost small business insurance quotes in Alberta. Liability insurance policies start from $19 per month. Get a free quote today! - Published: 2019-08-13 - Modified: 2024-11-08 - URL: https://www.zensurance.com/alberta-business-liability-insurance Business Insurance Alberta Small business insurance policies starting at $19 per month Protect your business in Alberta against liability claims alleging third-party property damage or bodily injury. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2021/12/Alberta-Business-Owner. svg Commercial insurance tailored for your business Business  Liability Insurance (or Commercial insurance), protects Alberta business owners from losses due to unforeseen events that may occur during normal operations such as property damage, errors or injuries. There are many types of insurance for small businesses that protect them according to their industry, size and revenue. The most common insurance coverages include general liability insurance, errors and omissions insurance or directors & officers liability insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does business liability insurance cover? While Business Liability Insurance is not an insurance type per se, it is usually used as an umbrella term to refer to commercial general liability insurance and all the business insurance sub-types. Explore the following insurance policies for specific coverage information:​ Commercial General Liability Insurance (CGL) Professional Liability Insurance (also known asErrors and Omissions) Commercial Property Insurance Commercial Auto Insurance Cyber Insurance Directors and Officers Insurance Product Liability Insurance Special Event Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs business liability insurance? Regardless of your business type, owning insurance is critical for the long-term survival of any business. Make sure to get coverage for the financial costs associated with unforeseen events such as damage caused to 3rd parties, accusations of professional negligence or defective products. According to Canada Business Statistics, Alberta is... --- ### Claims > To submit a claim between 9:00 AM to 6:00 PM EST, please call our Canadian toll free number: 1-888-654-6030 & speak to one of our insurance brokers. - Published: 2019-08-13 - Modified: 2024-06-19 - URL: https://www.zensurance.com/claims Claims Welcome to Zensurance Claims!  We understand that dealing with insurance claims can be a stressful and overwhelming experience. From property damage to liability issues, unexpected incidents can disrupt your business and leave you uncertain. But don't worry. Our team is here to support you every step of the way. In addition to the reporting process (outlined below), we have compiled a comprehensive claims FAQ to address any questions or concerns you may have. Contact our team today, and let us guide you through the claims process with care and expertise. https://www. zensurance. com/wp-content/uploads/2023/11/FAQ-Claims. svg Reporting a ClaimTo submit a claim, please call us at1-888-654-6030and have the following information handy:  Business name or full name of business owner  A description of events  A police record (if applicable)  Relevant photos or videos of the damage (if applicable) You can also email details of your claims to us atclaims@zensurance. com Claims FAQs Our Partners https://www. zensurance. com/wp-content/uploads/2019/09/abex-insurance-partner. jpghttps://www. zensurance. com/wp-content/uploads/2019/09/agileuws-insurance-partner. jpghttps://www. zensurance. com/wp-content/uploads/2019/09/AMFredericks-insurance-partner. jpghttps://www. zensurance. com/wp-content/uploads/2022/09/April-Logo. jpghttps://www. zensurance. com/wp-content/uploads/2022/09/ARAG-Logo-150x150. jpghttps://www. zensurance. com/wp-content/uploads/2019/09/Beazley-insurance-canada. jpghttps://www. zensurance. com/wp-content/uploads/2019/09/burnswilcox-insursnce-partners. jpghttps://www. zensurance. com/wp-content/uploads/2019/09/cambrian-insurance-partner. jpghttps://www. zensurance. com/wp-content/uploads/2022/09/Canada-General-Insurance-Company. svghttps://www. zensurance. com/wp-content/uploads/2022/09/Canadian-International-Insurance-Group. svghttps://www. zensurance. com/wp-content/uploads/2024/06/CannGenr. pnghttps://www. zensurance. com/wp-content/uploads/2022/09/csmbi. svghttps://www. zensurance. com/wp-content/uploads/2022/09/clarity-canadian-insurance. svghttps://www. zensurance. com/wp-content/uploads/2019/09/CFC-insurance-canada. jpghttps://www. zensurance. com/wp-content/uploads/2019/09/ches-insurance-partner. jpghttps://www. zensurance. com/wp-content/uploads/2022/09/Chutter-150x150. jpghttps://www. zensurance. com/wp-content/uploads/2022/09/Coalition-150x150. jpghttps://www. zensurance. com/wp-content/uploads/2022/09/Excess-Underwriting. jpghttps://www. zensurance. com/wp-content/uploads/2022/09/GFH_logo. pnghttps://www. zensurance. com/wp-content/uploads/2022/09/GroupOne-Insurance. jpghttps://www. zensurance. com/wp-content/uploads/2022/09/HSB-Canada. jpghttps://www. zensurance. com/wp-content/uploads/2022/09/Lightbridge_Logo. svghttps://www. zensurance. com/wp-content/uploads/2022/09/Linx-150x150. pnghttps://www. zensurance. com/wp-content/uploads/2022/09/Lions-Gate-Underwriting. jpghttps://www. zensurance. com/wp-content/uploads/2019/09/Markel-insurance-canada-150x150. jpghttps://www. zensurance. com/wp-content/uploads/2019/09/medthree-insurance-canada. jpghttps://www. zensurance. com/wp-content/uploads/2022/09/Milnco-Insurance-150x150. jpghttps://www. zensurance. com/wp-content/uploads/2019/09/PortageMutual-insurance-canada. jpghttps://www. zensurance. com/wp-content/uploads/2022/09/Premier. jpghttps://www. zensurance. com/wp-content/uploads/2022/09/Price-Forbes. jpghttps://www. zensurance. com/wp-content/uploads/2022/09/Risk-Can-UM. pnghttps://www. zensurance. com/wp-content/uploads/2019/09/ProRisk-insurance-canada-1. jpghttps://www. zensurance. com/wp-content/uploads/2022/09/small-business-plus.... --- ### Manitoba Business Liability Insurance > Manitoba Business liability Insurance - At Zensurance we simplify the process of getting Business Insurance. Get a free quote, it's quick and easy! - Published: 2019-08-08 - Modified: 2024-04-22 - URL: https://www.zensurance.com/manitoba-business-liability-insurance Business Insurance Manitoba An easy way to protect your Manitoba business against accidents and liability claims. Get covered with an online business liability insurance quote. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/08/Manitoba-Business-Liability-Insurance. svg Commercial insurance tailored for your business  Business Liability insurance protects Manitoba business owners from losses due to unforeseen events that may occur during normal business operations such as property damage, errors or injuries. There are many types of insurance for businesses that protect them according to their industry, size and revenue. Some of these types include general liability insurance, errors and omissions insurance or directors & officers liability insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/06/maintain-with-ease-zensurance. svg What does business liability insurance cover? While business insurance is not an insurance type per se, it is usually used as an umbrella term to refer to commercial general liability insurance and all the business insurance sub-types. Explore the following insurance policies for specific coverage information:​ Commercial General Liability Insurance (CGL) Professional Liability Insurance (also known as Errors and Omissions) Commercial Property Insurance Commercial Auto Insurance Cyber Insurance Directors and Officers Insurance Product Liability Insurance Product Liability Insurance Special Event Insurance https://www. zensurance. com/wp-content/uploads/2019/06/learn-about-your-needs-zensurance. svg Who needs business liability insurance? Regardless of your business type, owning insurance is critical for the long term survival of any business. Cover the financial costs associated with unforeseen events such as damage caused to 3rd parties, accusations of professional negligence or defective products. Here are some industries that we specialize in Manitoba: Beauty Professionals Contractors Counsellors Consultants Home Business Personal... --- ### Frequently Asked Questions About Business Insurance > We put together these frequently asked questions about business insurance to help Canadians better undersatnd the insurance world. Learn more! - Published: 2019-05-10 - Modified: 2023-12-14 - URL: https://www.zensurance.com/frequently-asked-questions-about-business-insurance Frequently Asked Questions About Business Insurance Get straight and simple answers to all your business insurance frequently asked questions. These FAQs were gathered from Canadian business owners like you. --- ### Site Map > Site Map - Look for a speciific type of business insurance in your profession / industry - Published: 2018-11-30 - Modified: 2025-04-16 - URL: https://www.zensurance.com/site-map Site Map HOME BUSINESS INSURANCE General Liability Insurance (CGL) Errors and Omissions Insurance (E&O) Professional Liability Insurance Directors and Officers Insurance (D&O) Cyber Liability Insurance Liability Insurance Equipment Breakdown Insurance Business Interruption Insurance Builders Risk Insurance Commercial Property Insurance Commercial Auto Insurance Commercial Crime Insurance Legal Expense Insurance Media Liability Insurance Pollution Liability Insurance Product Liability Insurance Professional Indemnity Insurance Public Liability Insurance Tools and Equipment Insurance Vacant Property Insurance Business Contents Insurance Management Liability Insurance Employers' Liability Insurance Cargo Insurance Liquor Liability Insurance Cybercrime Insurance INDUSTRIES Accountant Insurance Acupuncture Insurance Airbnb Insurance Amazon Seller Insurance Apartment Building Insurance Architect Insurance Artisan and Crafter Insurance Artist Insurance Auto Detailing Insurance Auto Repair Shop Insurance Audiologist Insurance Bakery Insurance Barber Insurance Bar and Pub Insurance Basketball Insurance Beauty Insurance Bed and Breakfast Insurance Bike Shop Insurance Bookkeeper Insurance Butcher Shop Insurance Cafe and Coffee Shop Insurance Campground and RV Park Insurance Candle Maker Insurance Cannabis Insurance Caregiver Insurance Car Wash Insurance Carpenter Insurance Catering Insurance Chiropractor Insurance Church Insurance Cleaning Insurance Clinic Liability Insurance Clothing Store Insurance Concrete Contractor Insurance Condo Rental Property Insurance Contractor Insurance Construction Insurance Consultant Insurance Convenience Store Insurance Cottage Rental Insurance Counsellor Insurance Craft Show Insurance Dance Instructor Insurance Daycare Insurance Demolition Insurance Dietitian Insurance DJ Insurance Dog Trainer Insurance Dog Walker Insurance Drone Insurance Dropshipping Insurance Drywall Contractor Insurance E-commerce Insurance Electrician Insurance Engineering Insurance Entertainment Insurance Esthetician Insurance Etsy Seller Insurance Excavation Insurance Eyelash/Eyebrow Technician Insurance Farmers Market Insurance Film Production Insurance Fitness Insurance... --- ### Zensurance Reviews > Canadian entrepreneurs and business owners review and rate Zensurance ★★★★★ Visit to read more reviews. - Published: 2018-11-22 - Modified: 2024-08-20 - URL: https://www.zensurance.com/zensurance-reviews Zensurance Reviews Thousands of Canadian businesses, big and small, have trusted Zensurance to help them find the best commercial insurance policy coverage at a competitive cost. At Zensurance we save you money but we also save you TONS of time! Our radical hassle-free, easy to use, 24/7,  online platform allows you to get a quote in minutes any time of the day. No need to make an appointment to meet a broker in person... it's all done online, quick and easy! Read some of the reviews from our clients across Canada Read more Zensurance Reviews Leave a review here! --- ### Terms of Service > Terms of Service - At Zensurance we simplify the process of getting business insurance. Get a free quote, it's quick and easy! - Published: 2018-10-21 - Modified: 2024-08-19 - URL: https://www.zensurance.com/terms-of-service Terms of Service Zensurance Inc. (“Zensurance”, “we”, “us”, “our”) welcomes you (“you” or the "User") to its website located at www. zensurance. com (the “Website”). Please read the following Website terms of use (“Terms of Use”) before using the Website or any services that may be made available through the Website to the User, including but not limited to i) the Zensurance insurance advisory services and the online platform (the “Services”), ii) any other website owned or operated by or on behalf of Zensurance, or iii) any Zensurance software applications (the “Apps”)(collectively the Website, and Apps are the “Online Properties”). By accessing and using the Online Properties or Services by any means (computer, tablet, phone or any other device), you agree to be bound by all the Terms of Use set forth herein. These Terms of Use constitute a legal agreement between Zensurance and the User. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, YOUR SOLE RECOURSE IS TO LEAVE THE ONLINE PROPERTIES IMMEDIATELY. A COPY OF THESE TERMS OF USE MAY BE DOWNLOADED, SAVED AND PRINTED FOR YOUR REFERENCE. IF YOU ARE USING THE ONLINE PROPERTIES OR SERVICES ON BEHALF OF A COMPANY OR OTHER ORGANIZATION, YOU MUST BE OVER THE AGE OF MAJORITY IN YOUR PROVINCE, AND YOU REPRESENT THAT YOU HAVE THE LEGAL AUTHORITY TO BIND SUCH ORGANIZATION TO THESE TERMS OF USE. If you are an agent or broker of Zensurance, certain agent-specific or broker-specific terms and conditions may apply to you and may... --- ### Disclosure Statement > At Zensurance, we work hard to find you the best coverage at a competitive price. Zensurance is a brokerage that believes in a simple and transparent process for our clients. - Published: 2018-10-16 - Modified: 2025-04-02 - URL: https://www.zensurance.com/disclosure-statement-and-principles-of-conduct --- ### Privacy Policy > Privacy Policy sets out the manner in which information about you (“Personal Information”) is collected, used, disclosed and otherwise managed in connection with the www.zensurance.com - Published: 2018-10-16 - Modified: 2024-12-27 - URL: https://www.zensurance.com/privacy-policy --- ### Contact Us > Our friendly support team is always ready to answer questions, we’re just a click or a phone call away. - Published: 2018-10-09 - Modified: 2025-04-04 - URL: https://www.zensurance.com/contact Contact Us Our friendly support team is always ready to answer questions, we're just a click or phone call away. Our support team is available: Monday to Thursday: 9:00 AM - 5:30 PM  (Eastern Time) Friday: 9:00 AM - 4:00 PM  (Eastern Time) (No recruiters or real estate agents please) PGEgY2xhc3M9ImZ1c2lvbi1idXR0b24gYnV0dG9uLWZsYXQgZnVzaW9uLWJ1dHRvbi1yb3VuZCBidXR0b24tbGFyZ2UgYnV0dG9uLWN1c3RvbSBidXR0b24tMSBmdXNpb24tbm8tc21hbGwtdmlzaWJpbGl0eSIgdGFyZ2V0PSJfc2VsZiIgaHJlZj0iamF2YXNjcmlwdDokem9waW0ubGl2ZWNoYXQud2luZG93LnNob3coKTsiPjxzcGFuIGNsYXNzPSJmdXNpb24tYnV0dG9uLXRleHQiPlN0YXJ0IENoYXQ8L3NwYW4+PC9hPg== 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 --- ### About Zensurance > At Zensurance we do things a little differently. We work hard at helping business owners save time by allowing them to request a quote online, 24/7. - Published: 2018-09-21 - Modified: 2024-11-13 - URL: https://www.zensurance.com/about About Zensurance Innovative insurance solutions for Canadian small businesses https://www. zensurance. com/wp-content/uploads/2023/05/About-Zensurance. svghttps://www. zensurance. com/wp-content/uploads/2023/05/Our-Story. svg Our Story Founded in 2016, Zensurance is a Toronto-based technology company and leading source for small business insurance in Canada. Through our partner network of more than 50 insurance providers, and our highly regarded licensed brokers and client support team, we provide our customers with the protection they need with savings of up to 35% less than what our competitors offer, giving our customers the confidence they need to thrive in today’s market. Our MissionWith over 250 employees located nationwide, our mission is simple: To empower small businesses across Canada to thrive by offering an honest, simplified, and modern approach to insurance. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/05/Our-Mission. svg Our Leadership Team Our forward-looking company is led by our senior leadership team that guides our strategy and leads our people. Meet our team: How Our Technology Works Tell us about your business Fill out an online application and answer questions about your business or profession. Pick your coverages Choose only what you need and buy your policy or speak to a licensed broker if you need help. Get your policy Pending us requiring more information, most policy documents and a certificate of insurance are emailed within 24 hours or less. Get a Free QuotePHZpZGVvIHN0eWxlPSJtYXJnaW4tYm90dG9tOjNyZW07d2lkdGg6IDEwMCU7IGJvcmRlci1yYWRpdXM6IDRweDtoZWlnaHQ6IDU1N3B4OyBvdmVyZmxvdzogaGlkZGVuOyIgcGxheXNpbmxpbmUgYXV0b3BsYXkgbXV0ZWQgbG9vcCBzdHlsZT0icG9zaXRpb246YWJzb2x1dGUiPjxzb3VyY2Ugc3JjPSIvd3AtY29udGVudC91cGxvYWRzLzIwMjMvMDUvVGVjaC1WaWRlby1kZXNrdG9wLm1wNCIgdHlwZT0idmlkZW8vbXA0Ij48L3ZpZGVvPgo=PHZpZGVvIHN0eWxlPSJtYXJnaW4tYm90dG9tOjNyZW07d2lkdGg6IDEwMCU7IGJvcmRlci1yYWRpdXM6IDRweDtvdmVyZmxvdzogaGlkZGVuOyIgcGxheXNpbmxpbmUgYXV0b3BsYXkgbXV0ZWQgbG9vcCBzdHlsZT0icG9zaXRpb246YWJzb2x1dGUiPjxzb3VyY2Ugc3JjPSIvd3AtY29udGVudC91cGxvYWRzLzIwMjMvMDUvVGVjaC1WaWRlby1tb2JpbGUubXA0IiB0eXBlPSJ2aWRlby9tcDQiPjwvdmlkZW8+Cg==Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2023/05/Join-Our-Team. png Join Canada’s No. 1 Insurtech Join our team of passionate, creative, and outstanding people and help us continue to transform the Canadian small business... --- ### Business Liability Insurance > At Zensurance we simplify the process of getting commercial insurance for your business. Get a free online quote! - Published: 2017-08-24 - Modified: 2025-04-16 - URL: https://www.zensurance.com/ Low-Cost Commercial Insurance Starting at $19/Month Lock in your coverage and save on your next commercial insurance policy today. Trusted by over 350,000 Canadian small business owners! Save up to 35% on your insurance Instant price and coverage in just a few clicks! Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2019/07/full-transparency-. svgPGRpdiBjbGFzcz0iZ2lybCI+PC9kaXY+PGRpdiBjbGFzcz0ic2hhZG93Ij48L2Rpdj4=https://www. zensurance. com/wp-content/uploads/2024/06/Beaver_Contractors. svg Low-Cost Commercial Insurance Starting at $19/Month Lockin your coverage and save on your next commercial insurance policy today. Get a Free Quotehttps://www. zensurance. com/wp-content/uploads/2024/11/Zensurance-Insurance-Rates-Comparison-Chart. svghttps://www. zensurance. com/wp-content/uploads/2024/12/Zensurance-Insurance-Rates-Comparison-Chart. webp *Equivalent monthly cost. Every business is unique and may result in different rates. Price subject to change. Monthly financing may be available for premiums over $400. Get a Free Quote We’ve Got Amazing Rates and Here's Proof! As Canada’s leading small business insurance experts, we’re able to secure amazing rates for hundreds of professions. As an example, we did a price* comparison with our competition and here’s what we found. Get a Free Quote Over 350,000 happy small businesses served We're proud to partner with small businesses from coast to coast and provide them with the commercial insurance they need. https://www. zensurance. com/wp-content/uploads/2024/11/Zensurance-Customer-Coverage-Map. svghttps://www. zensurance. com/wp-content/uploads/2024/12/Zensurance-Customer-Coverage-Map. webphttps://www. zensurance. com/wp-content/uploads/2024/11/Zensurance-Perks. svghttps://www. zensurance. com/wp-content/uploads/2024/12/Zensurance-Perks. webp Unlock huge savings with Zensurance Perks! Check out exclusive offers from our trusted partners today Explore Perks We Must Be Doing Something Right. Our Awards https://www. zensurance. com/wp-content/uploads/2024/11/Deloitte-Fast-50-2024. png Technology Fast 50 2024 https://www. zensurance. com/wp-content/uploads/2023/11/Deloitte-Award-2. png Technology Fast 50 2023 https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Business-Award. png. webp Top Insurance Employers 2022 https://www. zensurance. com/wp-content/uploads/2023/11/The-Globe-and-Mail-Award-1. png Canada's Top Growing... --- ## Posts ### 9 Reasons Why Massage Therapists Need Insurance > Massage therapists should protect themselves against claims of negligence, errors, and omissions. Here’s why it matters. - Published: 2025-04-21 - Modified: 2025-04-21 - URL: https://www.zensurance.com/blog/9-reasons-why-massage-therapists-need-insurance - Categories: Insurance - Tags: massage therapist insurance, small business insurance Although liability insurance is a legal requirement for Registered Massage Therapists in most provinces, all massage therapists should protect themselves against claims of negligence, errors, and omissions. Here’s why it matters. Qualified massage therapists provide services that benefit overall health and wellness by helping to reduce pain, stress, anxiety, sleep disorders and improve circulation. However, such a hands-on profession involves potential liability risks, and a single claim could financially devastate a therapist and their career. Registered Massage Therapists (RMTs) can protect themselves financially against claims of negligence, errors, and omissions – which may result in patient injury or financial loss – withmalpractice insurance, also known as professional liability insurance or errors and omissions (E&O) insurance. A comprehensive RMT insurance policy typically includes malpractice liability coverage, commercial general liability insurance, commercial property insurance, and cyber liability protection. https://www. zensurance. com/wp-content/uploads/2025/04/April-21_Massage-Therapists_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesHere are nine reasons why massage therapists should have a customizedmassage liability therapist insurancepolicy:1. It’s a Legal RequirementMassage therapists are typically required by provincial law to carry liability insurance.  For example, in Ontario, the College of Massage Therapists of Ontario (CMTO) requires its members to have professional liability insurance with $2 million of coverage per occurrence and $5 million of coverage in the aggregate per year. They are also required to maintain coverage for up to 10 years after ending their practice. 2. Coverage for Your ServicesMalpractice insurance, orprofessional liability insurance, covers claims and allegations ofprofessional negligence, mistakes, misconduct, failing to deliver a service as promised, and accusations of providing substandard treatment. 3. Coverage for Patient InjuriesInjuries to patients or visitors that occur in a massage clinic or due to an RMT’s daily operations can lead... --- ### Does Cyber Insurance Cover AI-Generated Cybercrime? > Artificial intelligence (AI) is creating faster-paced, more effective, larger-scale cyber-attacks. Explore ways businesses can defend themselves and learn how cyber insurance helps recovery if your business is attacked. - Published: 2025-04-16 - Modified: 2025-04-16 - URL: https://www.zensurance.com/blog/does-cyber-insurance-cover-ai-generated-cybercrime - Categories: Cybersecurity - Tags: cyber insurance, cyber liability, cybercrime, cybersecurity Artificial intelligence (AI) is creating faster-paced, more effective, larger-scale cyber-attacks. Explore ways businesses can defend themselves and learn how cyber insurance helps recovery if your business is attacked. Cybercrime is an ever-present and continuously evolving threat to all business owners. Artificial intelligence (AI) is turbocharging that risk. For all thebenefits a business may realize by using AI tools, there’s also a dark side – hackers use AI to amplify the scale and complexity ofcyber-attacks. According to Cybersecurity Ventures, a research consultancy, the global cost of cybercrime will reach US$10. 5 trillion in 2025. That figure is larger than the cost of damage inflicted to properties by natural disasters and the global trade of illegal drugs combined in a year. Meanwhile, BBC Newswarns that AI will likely also help create "faster-paced, more effective and larger-scale" cyber-attacks. https://www. zensurance. com/wp-content/uploads/2025/04/April-16_Cyber-Ai-Crime_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories How Is Artificial Intelligence (AI) Making Cybercrime Worse? AI supercharges the sophistication of cybercrime-related attacks in many ways, such as: Computing networks can have vulnerabilities exploited by AI-powered attacks, which are faster and more difficult to detect. AI-fuelled malware attacks can be automated and are capable of adapting to evade traditional cybersecurity measures. According to Malwarebytes, attackers can leverage generative AI to optimize ransomware andphishing attacktechniques to be more effective. What Steps Can Business Owners Take to Prevent AI-Powered Cybercrime? There are several things business owners can do to defend their networks,mobile devices, and data from cybercrime. Deploying a multi-layeredcybersecurity strategywith advanced technology and training employees on how to detect and respond to attacks are required initial steps. To fight back against AI-generated attacks, consider the following: Fight AI cybercrime with AI tools.... --- ### What Type of Insurance Do Eavestrough and Siding Contractors Need? > All professionals or small businesses have liability risks regardless of their industry or the services they provide. Gutter cleaning professionals are no different. Here’s why gutter cleaning businesses need insurance. - Published: 2025-04-14 - Modified: 2025-04-14 - URL: https://www.zensurance.com/blog/what-type-of-insurance-do-eavestrough-and-siding-contractors-need - Categories: Insurance - Tags: commercial auto, commercial property, eavestrough, general contractor, general liability, handyman, landscaping, property maintenance, tools and equipment All professionals or small businesses have liability risks regardless of their industry or the services they provide. Gutter cleaning professionals are no different. Here’s why gutter cleaning businesses need insurance. Contractors specializing in eavestrough and siding are susceptible to inadvertently damaging customer property during repair or installation work, resulting in third-party property damage claims – one of the most common business insurance claims for contractors overall. Eavestrough or gutter and siding work can be hazardous. It requires skill, precision, and attention to detail and poses significant liability risks that can lead to expensive losses or damages to customer properties. The service eavestrough and siding contractors provide is crucial for homeowners and commercial property owners. Keeping eavestroughs and gutters clear of debris, repairing or replacing vinyl siding on buildings, and ensuring they’re in tip-top shape can prevent problems and enhance the value of properties. For example, gutter cleaning prevents water damage that can seep into a structure's foundation, potentially causing structural damage or flooding a basement. It can also prevent damage to a roof that may lead to leaks and rot, avoid pest infestations, and avert ice dams from forming along the roofline in the winter, leading to water damage in the spring. https://www. zensurance. com/wp-content/uploads/2023/10/April-14_Eavestrough-Contractor_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesJust as a property owner needs to take precautionary measures to avoid these problems, gutter cleaning professionals need to do the same, addressing their liability risks with a comprehensivebusiness insurancepolicy. Do Eavestrough and Siding Contractors Need Insurance? All professionals or small businesses have liability risks regardless of their industry or the services they provide. Eavestrough and siding contractors are no different. They climb and work off ladders at significant... --- ### Zensurance Business Grant Winner 2025: SnuggleTooth Smile Mobile > We're excited to introduce the winners of our $10,000 and $1,000 small business grants! Learn from their valuable advice for fellow business owners and entrepreneurs, and discover why they consider insurance a cornerstone of their financial well-being. - Published: 2025-04-09 - Modified: 2025-04-15 - URL: https://www.zensurance.com/blog/zensurance-business-grant-winner-2025-snuggletooth-smile-mobile - Categories: Small Business Tips - Tags: small business grant We're excited to introduce the winners of our $10,000 and $1,000 small business grants! Learn from their valuable advice for fellow business owners and entrepreneurs, and discover why they consider insurance a cornerstone of their financial well-being. Zensurance is pleased to announce theSnuggleTooth Smile Mobile Clinicin St. John’s, Newfoundland and Labrador is the winner of our$10,000 Small Business Grant 2025. Natasha Pelleyfounded SnuggleTooth Smile Mobile Clinic, which offers mobile dental hygiene services throughout rural regions and underserved communities in Newfoundland. Pelley explained in her grant application that dental care is often out of reach for residents of rural Newfoundland. She founded her mobile dental hygiene clinic, purchased a vehicle that was once an ambulance, and outfitted it to provide dental care to underserved communities in her region. https://www. zensurance. com/wp-content/uploads/2025/04/SnuggleTooth_Blog-Image_April-2025. png“Growing up in rural Newfoundland, I experienced firsthand the lack of regular dental care. Many families had to travel long distances for routine checkups, and some simply went without,” she said. “That inspired me to become a dental hygienist and, ultimately, to create a mobile unit that will bring oral healthcare directly to communities where access is scarce. “My goal is to remove barriers that prevent individuals from receiving care, whether it's distance, financial limitations, or lack of transportation. ”https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related PostsThe $10,000 Zensurance Small Business Grant she received will help her purchase a portable X-ray unit, which will allow her to diagnose dental issues more efficiently and reduce the need for her patients to travel long distances for dental X-rays. “Beyond the clinical benefits, this grant would support a small, woman-owned business dedicated to making a real difference,” she added. “My journey to entrepreneurship was inspired by a deep commitment to community service,... --- ### Is Your Small Business Ready for Wildfire Season? > The Canadian wildfire season now starts earlier, and wildfires have become more frequent and ferocious. Here are some tips to help prevent wildfire damage to your business property. - Published: 2025-04-07 - Modified: 2025-04-07 - URL: https://www.zensurance.com/blog/is-your-small-business-ready-for-wildfire-season - Categories: Insurance - Tags: business insurance, commercial property insurance, wildfire The Canadian wildfire season now starts earlier, and wildfires have become more frequent and ferocious. Here are some tips to help prevent wildfire damage to your business property. Wildfires are a persistent threat in Canada, but they have increased significantly over the last few years, putting small business owners and their commercial properties at greater risk than in decades past. Regrettably, not only are wildfires becoming more ferocious and frequent, but the Canadian wildfire season also starts earlier now than it used to – in Alberta,the province declared wildfire season startedon February 20 last year instead of the usual start date of March 1. Also noteworthy, according to the Insurance Bureau of Canada, the estimated$1. 23 billion cost of wildfire damage in Jasper, Alberta, last year is the second costliest fire disaster in Canadian history. Meanwhile, Natural Resources Canada (NRC) says the annual average area burned by wildfires has more than doubled since the early 1970s. NRC notes thatthe 2023 wildfire seasontorched an incredible 16. 5 million hectares (40. 7 acres) of land – an area larger than Greece – making 2023 our country's worst wildfire season. https://www. zensurance. com/wp-content/uploads/2024/04/April-11_Wildfire_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesAlthough abusiness insurancepolicy that includescommercial property insurancewon’t prevent wildfire damage to your workplace, it is essential coverage to help pay to repair, replace, and rebuild that which is lost to wildfires. What Can Small Businesses Do to Protect Their Properties From Wildfires? Wildfires raging out of control are nearly impossible to contain, making it difficult for small business owners to protect their properties. However,preparedness is everything, and there aresteps you can take to try to minimize the destruction of your property, including:Be... --- ### 8 Types of Insurance Electrician Contractors Need > Get a straightforward rundown of the types of coverage electricians need and why they matter. - Published: 2025-04-04 - Modified: 2025-04-04 - URL: https://www.zensurance.com/blog/8-types-of-insurance-electrician-contractors-need - Categories: Insurance - Tags: contractor insurance, electrician insurance, skilled trades In many provinces, electricians must carry liability insurance to obtain and maintain their licences. Without it, you’re leaving your business and livelihood exposed. Get a straightforward rundown of the types of coverage electricians need and why they matter. As an electrician, your expertise keeps homes, businesses, and industries running safely and efficiently.  Whether installing, repairing, or maintaining electrical systems, your work is critical but comes with risks. One mistake or accident could lead to costly damages, injuries, or legal claims from fire hazards to electrocution. That’s why liability insurance isn’t just a good idea – it’s a requirement. Electricians in many provinces, like Ontario, must carry liability insurance to obtain and maintain their licenses. Without it, you’re leaving your business and livelihood exposed. Here are eight types of insurance that a comprehensiveelectrician contractor insurancepolicy might include to protect their finances and reputations:https://www. zensurance. com/wp-content/uploads/2025/04/April-4_Electrician-Contractor_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts 1. General Liability InsuranceGeneral liability insurance covers third-party bodily injury and property damage claims. If an electrician’s work inadvertently injures a customer or passerby or damages a customer’s or neighbouring property, general liability covers the cost of the injured person’s medical expenses or repairing damaged property. 2. Professional Liability InsuranceAlso called errors and omissions (E&O) insurance, professional liability insurance covers allegations or claims ofprofessional negligence, faulty work, giving poor advice, or failing to deliver a service as promised.  3. Tools and Equipment InsuranceAs its name implies, this type of insurance pays to replace or repair damages and losses to an electrician’stools and equipment if stolen, vandalized, or damaged by fire, water, or a natural disaster.  4. Commercial Property InsuranceCommercial property insurance protects your business property, contents, and inventory from damages and losses caused by fire, water, natural disasters,... --- ### What Type of Insurance Do Gardeners Need? > Professional gardeners face several liability risks. Here's what gardeners need to know to safeguard their finances and livelihoods. - Published: 2025-04-02 - Modified: 2025-04-02 - URL: https://www.zensurance.com/blog/what-type-of-insurance-do-gardeners-need - Categories: Insurance - Tags: gardener insurance, landscaper, landscaping, landscaping insurance On the surface, gardening may seem like a safe profession. However, similar to landscaping professionals, professional gardeners face several liability risks. Here's what gardeners need to know to safeguard their finances and livelihoods. Spring's arrival presents an opportunity for renewal and growth, evident in the vibrant energy that emanates from the soil.  Professional gardeners nurture this potential with their skilled hands by planting seeds, enriching the earth, and tending to flourishing plants and flowers. Their expertise transforms landscapes into breathtaking masterpieces bursting with life and colour, reminiscent of a painter's canvas. On the surface, gardening may seem like a safe profession. Whether planting, pruning, or designing lush outdoor spaces, your work transforms ordinary yards into stunning gardens. But while gardening is rewarding, it’s not without risks.  However, likelandscaping professionals, professional gardeners face several liability risks that could threaten their businesses and financial stability. That’s why a customizedbusiness insurancepolicy is essential for protecting their finances. https://www. zensurance. com/wp-content/uploads/2025/04/April-2_Gardener-Landscaper_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts What Are the Liability Risks Gardeners Encounter? Gardeners, groundskeepers, and landscapers work in close proximity with their customers and the general public. Working outdoors and interacting with customers comes with its own set of challenges.  Unexpected accidents, property damage, or even a simple misunderstanding can lead to costly legal claims. Here are some of the biggest risks gardeners encounter: Third-party bodily injuries: Accidents happen. Slips, trips, and falls that result in a customer or passerby being injured, such as someone tripping over a hose or gardening tool or flying debris that injures others while using power tools. Third-party property damage: Professional gardeners often work near customers’ homes and commercial buildings. Potential damages to a customer’s or neighbouring property can include... --- ### What You Need to Know About Student Rental Housing Insurance > Landlords must safeguard their student rental housing properties from potential damages and lawsuits. Here's how insurance can help. - Published: 2025-03-31 - Modified: 2025-03-31 - URL: https://www.zensurance.com/blog/what-you-need-to-know-about-student-rental-housing-insurance - Categories: Insurance - Tags: landlord insurance, property manager insurance, student rental housing insurance Canadian landlords with properties near universities and colleges have an excellent opportunity to meet the constant demand for off-campus student rental housing. However, property owners must safeguard their investments from potential damages and lawsuits. Here's how insurance can help. Post-secondary students in Canada are having difficulty finding suitable housing.  According to the Business Council of Canada, there is a nationwide shortage of purpose-built student housing. With 1. 5 million full-time students enrolled and only 10% of student housing available, this is especially problematic in large urban centres, where rental costs are higher. For property owners in Canada, this creates an opportunity to rent their properties to students and supplement their income. However, renting to students comes with risks.   Landlords, private property owners, and property management companies should protect themselves from potential losses and damages withstudent rental housing insurance. https://www. zensurance. com/wp-content/uploads/2021/12/March-31_Student-Rentals_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Why Landlords Need Student Rental Housing InsuranceThere are many advantages torenting a property to post-secondary students. Canadian university and college campuses always have a demand for off-campus housing. Students are typically more concerned with affordability and proximity to campus than high-end finishes. Additionally, they often have financial support from family or student loans, which can decrease the risk of non-payment and may even lead to upfront payment of the entire lease. Nevertheless, a lot can go wrong. You might have visions of the film “Animal House” and tenants like Bluto Blutarsky wreaking havoc, but you can allay those fears by getting insured and adequately screening your student tenants. Property owners, after all, face a higher risk of property damage due to negligence since moving away from home might be a first-time experience for many of your student renters, whetherrenting out a roomor... --- ### What Type of Insurance Does a Tradesman Need? > Business insurance designed for self-employed tradespeople or small construction company owners is called tradesman insurance. Learn why you need it and what it covers. - Published: 2025-03-28 - Modified: 2025-03-28 - URL: https://www.zensurance.com/blog/what-type-of-insurance-does-a-tradesman-need - Categories: Insurance - Tags: business insurance, carpenter, contractor, electrician, plumber, skilled trades, tradesman, tradesman insurance Business insurance designed for self-employed tradespeople or small construction company owners is called tradesman insurance. Learn why you need it and what it covers. The construction world's unsung heroes are self-employed tradesmen, including electrical contractors, plumbers, builders, and roofers.  They play a vital role in constructing everything from large industrial complexes and commercial properties to residential communities. Many also serve as independent tradespeople helping residential homeowners fix or improve their properties. According to Statistics Canada, an average of 2,652,600 people were self-employed, making up 13. 2% of the employed population in 2023. Meanwhile, Statista, a research firm, estimates about 1. 69 million construction workers were employed or self-employed in Canada in 2022. Whether legally required to or not, these professionals need insurance for trades to protect themselves and their tools and equipment from damage and loss. https://www. zensurance. com/wp-content/uploads/2023/01/March-26_Trades_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Is Tradesman Insurance? Tradesman insurance is a general term describing a business insurance policy geared towards self-employed tradespeople or owners of a small construction company.  It combines different coverages in one policy to protect their tools, equipment, and construction projects and provide financial support for third-party bodily injury or property damage claims. Tradesman insurance can be tailored to meet the specific requirements of your trade, regardless of whether you are working independently on a private job, as asubcontractoron a larger project, or providing consulting services. Why Do Self-Employed Tradespeople Need Insurance? There are several reasons why self-employed tradesmen require insurance protection. Among those reasons:It’s RequiredEither by law (as is the case with some trades, like electricians) or as a project requirement, if you're hired as a subcontractor... --- ### What Type of Insurance Do E-Bike Retailers Need? > E-bike retailers are exposed to various risks that could severely impact their businesses. Here’s how insurance can minimize potential financial losses. - Published: 2025-03-24 - Modified: 2025-03-25 - URL: https://www.zensurance.com/blog/what-type-of-insurance-do-ebike-retailers-need - Categories: Insurance - Tags: business vehicle, commercial auto, commercial auto insurance The popularity of electric bicycles in Canada is soaring as consumers seek greener transportation alternatives. Despite this, e-bike retailers are exposed to various risks that could severely impact their businesses. Here’s how insurance can minimize potential financial losses. As Canadian consumers in urban centres with rising traffic congestion seek eco-friendly transportation options, the e-bike market is surging. According to Statista, the Canadian electric bicycle market is forecast to reach US$416 million in 2025. With an estimated annual growth rate of 8. 84%, this is expected to lead to a projected market volume of US$583 million by 2029.  That’s electrifying news for e-bike retailers and wholesalers. However, it also highlights the need for e-bike and electric scooter retailers to invest in acustomized bike shop insurancepolicy to take advantage of the opportunity while protecting their finances. https://www. zensurance. com/wp-content/uploads/2025/03/March-24_Bike-Business_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts What Risks Do E-Bike Retailers Face? There are a host of operational risks e-bike retailers face that could devastate their finances, including: Defective Products: The e-bikes and electric scooters retailers sell and service may have faulty components that can cause customer injuries or damage to their properties. Battery Fire Risks: Lithium-ion batteries commonly used to power e-bikes can pose a significant fire hazard. This risk is elevated by factors such as physical damage to the battery, overcharging, charging in areas with poor ventilation, electrical shorts caused by water exposure, and the continued use of old or worn-out batteries that are due for replacement.   Regulatory and Legal Risks: Retailers of all stripes must adhere to provincial and federal regulations and laws. E-bike retailers face many compliance challenges because of evolving regulatory requirements that aren’t uniform across the country. For example, each Canadian province regulates e-bikes... --- ### 7 Unusual Business Insurance Claims > Insurance covers incidents and accidents even when the unexpected really gets weird. Check out these seven unusual claims we’ve covered. - Published: 2025-03-21 - Modified: 2025-03-21 - URL: https://www.zensurance.com/blog/7-unusual-business-insurance-claims - Categories: Small Business Tips - Tags: business vehicle, commercial auto, commercial auto insurance Running a business comes with its fair share of surprises – some stranger than others. The good news? Insurance covers incidents and accidents even when the unexpected really gets weird. Check out these seven unusual claims we’ve covered. You never know when an accident or unexpected incident could affect your business's finances and reputation, but that's why it's wise to have business insurance. After all, when things go sideways and result in hundreds or thousands of dollars in damages or losses, a comprehensivebusiness insurancepolicy can help pay for repairs or cover your legal fees in a dispute or lawsuit. There is the possibility of a business insuranceclaim being denied for various reasons, but without insurance, you have no options but to pay out-of-pocket when an incident arises – and there arecountless examples of different types of claimswhere having insurance made a significant difference. However, there are also times when unusual things happen to a business owner or independent professional. The good news is that insurance also covers out-of-the-ordinary incidents that befall a business owner. https://www. zensurance. com/wp-content/uploads/2025/03/March-21_Insurance-Claims_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related PostsHere are seven real-life insurance claims we resolved that stood out for being a tad strange, uncommon, or curious:1. Third-Party Property Damage Claim Client’s industry: ContractorIncident: Squirrels (that’s right, squirrels! )Relevant insurance coverage: General liability insuranceOne of our contractor clients was in the middle of a routine roof repair when he stumbled upon some unexpected tenants – an entire family of squirrels nesting in the attic! One made a break for it as he tried to gently evict the furry squatters. Instinct kicked in, and he lunged to catch the runaway rodent. But in the heat of the moment, he forgot the golden rule of attic... --- ### 10 Tips for Preparing Your Business Vehicle for Spring and Avoiding Accidents > See our tips for preparing your business vehicle for warmer weather and avoiding collisions. - Published: 2025-03-19 - Modified: 2025-03-19 - URL: https://www.zensurance.com/blog/10-tips-for-preparing-your-business-vehicle-for-spring-and-avoiding-accidents - Categories: Small Business Tips - Tags: business vehicle, commercial auto, commercial auto insurance Springtime gets people moving. They want to be out and about to enjoy the sunshine and mild temperatures. That means more pedestrians, cyclists, and motorcycles on the road. See our tips for preparing your vehicle for warmer weather and avoiding collisions. Spring arrives tomorrow! For business vehicle owners, it’s the perfect time to refresh your ride, tackle essential maintenance, and brush up on defensive driving skills to keep your wheels safe and reliable. Don’t let vehicle issues or accidents slow down your business – here are 10 must-know tips to prep your company vehicle for spring and stay accident-free:1. Change Your Tires and Check Wheel AlignmentIt’s recommended to have winter tires installed on a vehicle from November to April. Once the temperature is consistently above 4C, it’s time to swap your tires and get all-season tires installed since the treads on winter tires wear down quicker in warmer temperatures. When your tires are being changed, that’s also a good time to have an auto technician check your vehicle’s wheel alignment. Additionally, check the tread depth on your all-season tires. Tires that are worn down won’t grip wet roads as effectively. https://www. zensurance. com/wp-content/uploads/2024/03/March-19_Comm-Auto_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts 2. Check Your LightsHeadlights, taillights, signals and brake lights are all critical. Check all of them to ensure they don’t need new bulbs and are working correctly. 3. Have Your Brakes InspectedYour vehicle’s braking system should be inspected by an auto technician every six months to ensure they’re in good condition and there’s adequate, clean braking fluid in the braking reservoir. Road salt and de-icing chemicals used on roads in the winter can damage your brakes.  4. Replace Your Windshield WipersIt’s wise to replace your windshield wipers after every winter. Generally, wiper... --- ### Roofing Season: Insurance Coverage Every Roofer Needs > Now’s the time for roofers to ensure they have adequate liability insurance protection. Here’s what roofers should know. - Published: 2025-03-17 - Modified: 2025-03-17 - URL: https://www.zensurance.com/blog/roofing-season-insurance-coverage-every-roofer-needs - Categories: Insurance - Tags: roofer, roofing contractor, roofing insurance With data showing the demand for roofing services in Canada will rise in 2025 and the busy summer season approaching, now’s the time for roofers to ensure they have adequate liability insurance protection. Here’s what roofers should know. Roofing contractors are unique professionals. They have in-depth knowledge of roofing systems and installation techniques, work at significant heights, and have an eye for detail for spotting roofing issues and the source of leaks that may not be obvious. Although roofers are subject to the whims of fluctuating material costs, supply chain disruptions, competition, and skilled workforce shortages, their vital services keep them in high demand. According to IBISWorld, as the Canadian housing market recovers in the coming years as interest rates decline, revenue from the construction of new homes, roof replacements, and maintenance will drive demand for roofing services. The roofing market’s size is projected to grow through 2030. https://www. zensurance. com/wp-content/uploads/2025/03/March-17_Roofer_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related PostsA separate poll of roofing contractors in late 2024 by myCLEARopinion, a business-to-business research consultancy, found 72% expect their revenue to grow in 2025 and 77% anticipate residential roofing sales will increase over the next three years. That’s good news for roofing contractors, and it highlights the need to have a comprehensiveroofing insurancepolicy to prepare for the season ahead. What Does Roofing Liability Insurance Include? A roofing insurance policy includes several types of coverages to form a comprehensive policy roofers need, including: General liability insurance: General liability insurance covers third-party bodily injury and property damage claims arising from your roofing company’s operations or that occur on your business premises. For example, if a customer or passerby is injured by your roofing work by tripping over tools or shingles on the ground, general... --- ### Does Commercial Property Insurance Include Protection for Overland Floods? > With spring inching closer, the risk of flooding rises. Here’s what you need to know to protect your business property from water damage. - Published: 2025-03-14 - Modified: 2025-03-14 - URL: https://www.zensurance.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 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. Spring is always welcome following the cold Canadian winter, but the risk of flooding from snowmelt and heavy rainfall increases as the temperature rises.   Spring officially arrives on March 20th this year. While snow may still cover many Canadian communities into April, we can look forward to sunshine, warmer temperatures, and the melting of snow and ice. Canada's most common natural hazard throughout the year is floods, which pose a risk to business property owners everywhere. The Insurance Bureau of Canada (IBC) ranks the summer of 2024 as the most destructive season in Canadian history for insured losses due to severe weather, causing a total of over $7 billion in insured losses. https://www. zensurance. com/wp-content/uploads/2025/03/March-14_Floods. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Last year also proved to be a record-breaking year for property losses caused by severe weather and natural disastersto the tune of $8. 5 billion, according to Catastrophe Indices and Quantification Inc. It's a sobering fact that floods, with their potential to cause around $2. 78 billion in structural damages to residential properties in an average year, are the most common and costly natural hazard in Canada, according to the Bank of Canada. But floods don't discriminate, meaning they also affect business owners and their commercial properties and profitability. There aredifferent types of floodsthat can impact business properties, but pluvial or overland flooding – surface water flooding often caused by heavy, continuous rainfall or snowmelt that does not absorb into the ground – is what we commonly see in... --- ### What Is a Business Insurance Peril? > 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. - Published: 2025-03-12 - Modified: 2025-03-12 - URL: https://www.zensurance.com/blog/what-is-a-business-insurance-peril - Categories: Insurance - Tags: business insurance, insurance perils, 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. Insurance policy terms can be confusing – like business insurance peril. What does that actually mean? By definition, a peril is a serious and immediate danger. In business insurance, a peril is a risk or event that may cause a business owner a financial loss or lead to a liability claim against them.  Think about the risks that cause losses or damages to small businesses, such as theft and vandalism, natural disasters and severe weather, fire, internal water damage, or the threat of a lawsuit. These are all perils. https://www. zensurance. com/wp-content/uploads/2022/10/March-12_Insurance-Peril_Blog-Image. pngA business insurance policy may featurenamed perils, specified perils, or all-risk perilscoverage. Each type addressesevents listed in the policy. Therefore, knowing what perils are listed in a policy is essential. What Is an Uninsured Peril? Uninsured or uninsurable perils are events or situations a policy does not cover. Examples of uninsured perils may be storm surges, overland floods, earthquakes, landslides, and insect and rodent infestations. Some insurance providers won't cover specific kinds of perils in a standard policy for two reasons. First, some are too expensive to insure (some catastrophic disasters fall into this category). Second, if the perils are considered an intangible risk, a provider may be unable to price them adequately and offer coverage. What If a Business Suffers Loss or Damage for a Peril That Isn’t Listed in Their Policy? Finding out your policy does not cover a loss you’ve incurred is not something any small business owner wants to contemplate. Still, there may be... --- ### Protect Your Green: How the Right Insurance Saves Landscapers Money > 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. - Published: 2025-03-10 - Modified: 2025-03-11 - URL: https://www.zensurance.com/blog/protect-your-green-how-the-right-insurance-saves-landscapers-money - Categories: Insurance - Tags: contractor insurance, subcontractor insurance 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. With 10 days to go until the first day of spring arrives (it’s true! ), now’s the time for landscapers and lawn care professionals to gear up for the busy season ahead. Preparing now to serve and attract new customers will give your business the edge. That means taking action in various ways, including inspecting mowers, trimmers, blowers and other tools, stocking up on fertilizers and landscaping materials, and contacting your customers to book appointments. It also means ensuring your business has the customizedlandscaping insuranceit needs. https://www. zensurance. com/wp-content/uploads/2025/03/March-10_Landscaper-1_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories How Does Insurance Protect Landscaping Businesses? Business insurance is vital protection for landscaping and lawn care professionals. The nature of the work landscaping professionals do can involvemany liability risksthat could cost a landscaper thousands of dollars to overcome. For example, a landscaper’s tools and equipmentcould be vandalized or stolen, a fire could ignite at your place of business, or if you make a mistake at a customer’s property that causes damages or injures someone, you may be liable to pay the costs. Business insurance covers unexpected scenarios and accidents that can lead to expensive damages, lawsuits, or lost income. What Does a Landscaping Insurance Policy Include? A landscaping insurance policy typically includes the following coverages: General liability insuranceto cover third-party bodily injury and property damage claims. Tools and equipment insurancecovers the portable tools and equipment landscapers use if vandalized, stolen, or damaged by fire or water. Pollution liability insurancecovers claims of environmental damage and... --- ### 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. - Published: 2025-03-07 - Modified: 2025-03-07 - URL: https://www.zensurance.com/blog/how-to-develop-a-loss-prevention-strategy-for-retailers - Categories: Insurance - Tags: commercial property insurance, retail insurance 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. Reducing the risk of fraud, theft, shoplifting, and other operational losses threatening financial stability is an ongoing and significant task for retailers and all small business owners.  It’s staggering to note that 57% of Canadian small businesses dealt withtheft or shopliftingin 2023, and shoplifting costs retailers around $5 billion annually. Furthermore, smash-and-grab robberies are on the rise, impacting jewellery stores and other high-value retailers. While a comprehensiveretail insurancepolicy is vital to cover any retailer’s brick-and-mortar and online operations, establishing an effective loss prevention strategy is also critical for protecting their finances. Here’s a quick overview of what a loss prevention strategy is and what it may include: https://www. zensurance. com/wp-content/uploads/2025/03/March-7_Retail_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Is a Loss Prevention Strategy? A loss prevention strategy is a comprehensive plan that’s designed to help retail store owners reduce theft and shoplifting, minimize fraud, and prevent merchandise or inventory losses. It’s a form of risk assessment that aims to minimize external and internal theft and shoplifting, effectively manage preventable losses, and improve a retailer’s profitability. What Does a Loss Prevention Strategy Include? A well-rounded loss prevention strategy includes several measures retailers can take to reduce the threat of financial losses due to theft, fraud, and other factors that may lead to shrinkage. Shrinkage is when a retailer has fewer items in stock than what its inventory record shows, and it can be caused by various factors including theft, administrative errors, and supplier fraud. Some of the recommended measures for developing a... --- ### 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. - Published: 2025-03-05 - Modified: 2025-03-05 - URL: https://www.zensurance.com/blog/risk-alert-70-of-self-employed-canadians-dont-have-business-insurance - Categories: Insurance - Tags: business insurance, self-employed 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. A new Zensurance online poll of self-employed Canadians found that an overwhelming majority (70%) do not have business insurance. When asked why they do not protect their finances and livelihoods withbusiness insurance, survey respondents offered several reasons, including: Business insurance doesn’t apply to them Their business is low-risk Insurance is too expensive Unsure of what coverage they need Haven’t had time to look into it They’re covered by home and auto insurance Some of the replies from this snapshot poll of 750 respondents conducted in January mirror those found in Zensurance’s broader 2024Small Business Confidence Indexnational survey. https://www. zensurance. com/wp-content/uploads/2025/03/March-5_No-Biz-Insurance_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesAccording to Statistics Canada, 13. 2% of Canadians (about 2. 6 million) were self-employed in 2023 working in various industries. A self-employed individual is defined as an independent working professional, such as a freelancer or contractor. Self-employed individuals earn income by working for themselves instead of being employed by a company. What Risks Do Uninsured Self-Employed Canadians Face? From a business liability insurance perspective, uninsured self-employed professionals are exposed to expensive damages and lawsuits that could run into hundreds of thousands of dollars. A single claim or lawsuit against them could force them into bankruptcy. A few examples of claims against our self-employed professional and small business owner clients illustrate the risks and potential costs they would have had to pay out-of-pocket had they not invested in business insurance, including: A wildfire that destroyed a spathat cost over $150,000 to rebuild A contractor accidentally... --- ### General Liability vs Professional Liability Insurance: Which One Do You Need? > Both general liability and professional liability insurance are vital coverages for business owners, but they each cover different types of risks. Here's a simple breakdown of each. - Published: 2025-03-03 - Modified: 2025-03-03 - URL: https://www.zensurance.com/blog/general-liability-vs-professional-liability-insurance-which-one-do-you-need - Categories: Insurance - Tags: general liability insurance, professional liability insurance 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. When seeking a comprehensive business insurance policy to protect your profession’s or company’s finances and reputation, you might be surprised to find there’s a wide variety of coverage options available. Two of those are general liability insurance and professional liability insurance. Both are vital coverages for business owners and independent professionals, but they each cover different types of risks. As the saying goes, knowledge is the best form of insurance. With that in mind, here's a straightforward breakdown of each type of insurance:https://www. zensurance. com/wp-content/uploads/2025/03/March-3_Gen-Lib-Product-Lib_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Is General Liability Insurance? General liability insurancecovers a business owner’s financial losses caused by your company’s operations or on your premises, leading to third-party claims such as bodily injuries, property damages, and personal or advertising injury (i. e. , defamation and copyright infringement). For example,a customer that slips and fallson your property or area where you’re working and is hurt, accidental damage to someone else’s property caused by your operations, services, or products, or allegations of defamation (slander, libel), copyright infringement, and false advertising.  Who Needs General Liability Insurance? General liability insurance is a fundamental coverage that almost every business or professional needs. It’s worth noting general liability insurance typically includes product liability insurance to cover third-party bodily injury and property damage claims caused by any product you sell, distribute, or manufacture (including food). General contractors, retail store owners, online sellers, restaurant and cafe owners, and personal trainers are examples of business owners who need general liability... --- ### Climate Change Risks: What Business Property Coverage Does Your Small Biz Need? > 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. - Published: 2025-02-28 - Modified: 2025-02-28 - URL: https://www.zensurance.com/blog/climate-change-risks-what-business-property-coverage-does-your-small-biz-need - Categories: Insurance 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. It’s not just your imagination – the weather across Canada is changing rapidly, producing more frequent and ferocious storms and natural disasters. According to Environment and Climate Change Canada, our country is warming roughly double the global rate. That is fuelling more frequent and intense extreme weather events across the country. Business owners are feeling the impact of these profound changes. Survey data of Canadian businesses conducted by KPMG, a research consultancy, found that last year’s extreme weather events affected the profitability of 56% of companies, and 49% saw their costs rise significantly due to issues ranging from productivity loss to broken supply chains. Meanwhile, theInsurance Bureau of Canada (IBC)said that in the last decade, 87,000 businesses suffered financial losses due to severe weather and natural disasters – insuredpayouts due to catastrophic weather events were over $8 billionlast year. IBC added that climate adaptation measures are vital for Canadian communities to become more resilient to extreme weather. https://www. zensurance. com/wp-content/uploads/2025/02/Feb-28_Climate-Impact-Business_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories Business Property Protection for Evolving Weather RisksThere are actions business property owners can take to protect their buildings and properties from the ever-intensifying weather. Our free downloadable guide, “How to Protect Your Business Property in the Era of Climate Change”, offers loss prevention strategies for minimizing damage to your business property. Nevertheless, acommercial property insurancepolicy is vital for business owners. In general, it covers the following due to a natural disaster, extreme weather, fire, internal water damage, theft, or vandalism:  The business property’s... --- ### 10 Tips for Renewing Your Commercial Auto Insurance > Is your commercial auto policy up for renewal or will it be soon? See our money-saving tips for what to do before renewing a policy to protect your business vehicle. - Published: 2025-02-26 - Modified: 2025-02-26 - URL: https://www.zensurance.com/blog/10-tips-for-renewing-your-commercial-auto-insurance - Categories: Insurance - Tags: business insurance, business vehicle insurance, commercial auto insurance Is your commercial auto policy up for renewal or will it be soon? See our money-saving tips for what to do before renewing a policy to protect your business vehicle. It’s an annual requirement for all vehicle owners and drivers whether they have acommercial auto insurancepolicy or a private-passenger one: renewing their policies. You might have many questions about what to do and when or why. Don’t let it frustrate you! We’ve got the answers you need and can quickly get you the affordable coverage you want. Let’s shift gears and drive headlong into what you need to know:https://www. zensurance. com/wp-content/uploads/2024/01/Feb-26_Comm-Auto_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories When Do I Need to Renew My Commercial Auto Policy? Almost all commercial auto insurance policies expire and need to be renewed annually. A commercial auto policy is a contract between you and your insurance provider that is valid for 12 months. For example, if your policy started on March 1, 2024, it will expire on March 1, 2025. Typically, you’ll receive a notice via email from Zensurance 90 days before your policy’s expiration date advising you your commercial auto policy is due for renewal.  Does Commercial Auto Insurance Renew Automatically? Some commercial auto insurance policies automatically renew, and some do not. Either way, you will be notified when your existing policy will expire.  If your policy automatically renews, your notice will advise you on what to do if you wish to change it before it does. If you do nothing, the policy will be renewed on the due date, and you will be charged for the new policy. If your policy does not automatically renew, it will expire on the due... --- ### Do You Need Landlord Insurance to Rent Out a Room? > When renting out rooms in a boarding house or apartment, having landlord insurance is critical for protecting your investment and financial well-being. Here’s what you need to know. - Published: 2025-02-24 - Modified: 2025-02-24 - URL: https://www.zensurance.com/blog/do-you-need-landlord-insurance-to-rent-out-a-room - Categories: Insurance - Tags: Airbnb, landlord, small business insurance When renting out rooms in a boarding house or apartment, having landlord insurance is critical for protecting your investment and financial well-being. Here’s what you need to know. Despite modest growth in available rental units across Canada, the demand for rental housing continues to outstrip supply. According to the Canada Mortgage and Housing Corporation’s “ --- ### What Type of Insurance Do Human Resources (HR) Professionals Need? > The diverse responsibilities of HR professionals contribute to a company’s growth and success. But they also open the door to potential liability risks. Here’s how HR practitioners can safeguard their careers and finances. - Published: 2025-02-21 - Modified: 2025-02-21 - URL: https://www.zensurance.com/blog/what-type-of-insurance-do-human-resources-hr-professionals-need - Categories: Insurance - Tags: HR insurance, human resources, professional liability The diverse responsibilities of HR professionals contribute to a company’s growth and success. But they also open the door to potential liability risks. Here’s how HR practitioners can safeguard their careers and finances. Human resources (HR) professionals provide vital services to any organization. Their responsibilities go beyond just recruiting job applicants to fill a company's open positions – a critical function in itself. They also contribute significantly to the growth of the organization in various ways, making them an integral part of the company's success. The diverse responsibilities of HR professionals, from managing relationships between employees and a company’s leadership to providing training and development support and administering payroll and employee benefits to tracking employee performance and ensuring an employer complies with labour laws and regulations, contribute to a company’s growth. However, those responsibilities also open the door to potential liability risks. According to the Human Resources Professionals Association (HRPA), full-time HR professionals and independent HR practitioners working on a contract or volunteer basis and who are HRPA members must carry liability insurance. Regardless, it’s wise for any HR practitioner to have a customizedHR insurancepolicy. https://www. zensurance. com/wp-content/uploads/2025/02/Feb-21_HR-Professional_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. png 4 Essential Types of Insurance for HR ProfessionalsCreating a customized liability insurance policy for your HR practice involves several types of coverage. Whether you need all or only a few depends on your services, location, experience, and other factors insurers consider when determining the annual premium. Here are four types of insurance many HR professionals require:1. Professional Liability InsuranceAlso known as errors and omissions (E&O) insurance, professional liability insurance is designed to cover claims made against an HR practitioner for losses suffered by a third... --- ### 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 are available to help them grow their businesses. See our list of grants and loans to pursue. - Published: 2025-02-19 - Modified: 2025-02-19 - URL: https://www.zensurance.com/blog/15-business-grants-and-loans-for-women-in-canada - Categories: Finance - Tags: business insurance, business startup, grant24, 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. Money may not be everything, but it is the oxygen that breathes life into startups and entrepreneurial ventures. For Canadian women entrepreneurs who endeavour to bring their business ideas and strategies to fruition, getting the funding they need to kickstart their companies can be daunting.  Although business grants and loans are available to women in Canada, determining the best option to fund your startup and whether or not you qualify can be challenging. Every grant and loan has unique requirements and deadlines. Either way, you’ll need various documents to qualify for a grant or loan, including a business plan andbusiness insurancethat adequately covers your liability risks. https://www. zensurance. com/wp-content/uploads/2024/09/Feb-19_Women-Grants_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories Where to Find Business Grants for WomenIn Canada, there are many options for funding new business ventures – most are focused on an industry or specific types of businesses, such as technology startups. With loans, you'll generally be able to apply whenever you need the money, but business grants run on a schedule, be it quarterly, annually, or every few years. Some business grants for women are national in scope, while others are limited to a province or supported by local economic development groups. Without further ado, here are 15 business grants and financing options that are either geared exclusively toward women entrepreneurs or that aspiring and established women business leaders can apply for:1. Women in TradeIs the wider world the apple of your eye? Export Development Canada’s (EDC) ‘Women in Trade’ services are... --- ### Named, Specified, or All-Risk Perils: Which One Is Right for Your Business Insurance? > Get a quick overview of what type of insurance policy independent professional accountants and CPAs require to protect their careers and finances from allegations of wrongdoing and damages caused by mistakes and unexpected incidents. - Published: 2025-02-14 - Modified: 2025-02-14 - URL: https://www.zensurance.com/blog/named-specified-or-all-risk-perils-which-one-is-right-for-your-business-insurance - Categories: Insurance - Tags: all-risk perils, business insurance, named perils, specified perils When exploring options to protect your business with insurance, it’s vital to know the details of a policy. Understanding the differences between the types of perils a policy covers is critical. Get a breakdown of what named, specific, and all-risk perils-based insurance is. As an independent professional or business owner, you know the details matter when serving your customers. Knowing all the details helps you achieve goals and deliver what your customers want. Similarly, when exploring options to protect your business and finances with liability insurance, it’s vital to know the details of a policy and what it provides to build comprehensive coverage that suits your business and services to safeguard your assets. On that score, understanding the differences between named perils, specified perils, and all-risk perils coverage is crucial when choosing abusiness insurancepolicy. Let’s explore what each is and what they offer so you can make an informed decision:https://www. zensurance. com/wp-content/uploads/2025/02/Feb-14_Business-Loss_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. png What Is a Peril in Commercial Insurance? TheCollins Dictionarydefines peril as “an exposure to risk or harm; danger or jeopardy”. In the context of business insurance, a peril is a risk or event that may cause a business owner a financial loss or lead to a liability claim against them. Perils can take many forms, such as: A customer has a slip-and-fall accident on a business’s premises that injures them A fire,natural disaster, or severe weather that damages a company’s propertyand inventory Acyber-attack or data breachthat compromises a business’s data and computing systems A lawsuit brought against a business ownerby a customer or third party An allegation ofprofessional negligenceor mistakes that cause a third party financial or physical harm Vandalism to business property, vehicles, or equipment Theft of a business... --- ### 10 Reasons Why You Need a Builder’s Risk Insurance Policy > Also known as course of construction insurance, a builder’s risk policy is a form of property insurance that protects contractors from the beginning to the end of their projects. - Published: 2025-02-12 - Modified: 2025-02-12 - URL: https://www.zensurance.com/blog/10-reasons-why-you-need-a-builders-risk-insurance-policy - Categories: Insurance - Tags: builder's risk, builders risk insurance, construction equipment, contractor Also known as course of construction insurance, a builder’s risk policy is a form of property insurance that protects contractors from the beginning to the end of their projects. It's been said the size of its construction industry can measure a country's prosperity. After all, the construction industry builds and maintains the infrastructure of our cities and communities – from our homes and energy grid to the transportation networks and roads we use. According to the Canadian Construction Association, the Canadian construction industry contributes about $151 billion to the economy annually, accounting for 7. 4% of Canada's gross domestic product (GDP). As you might expect, many risks are associated with being in the construction industry, which puts the onus on general contractors and renovation experts to ensure they’re not exposed to the financial impacts of an accident, incident, or lawsuit. That’s wherebuilder’s risk insurancecomes into play. https://www. zensurance. com/wp-content/uploads/2024/04/Feb-12_Builders-Risk_Blog-Image. pngAlso known ascourse of construction insurance, a builder’s risk policy is a form of property insurance designed to protect contractors and property owners for any construction or renovation project. Before the construction and renovation season heats up, now’s the time for contractors to take stock of what jobs they will be working on this year and ensure they have the right amount of insurance to cover them if something goes wrong.  Here are 10 reasons why every contractor or builder should have builder’s risk insurance and why it’s beneficial:1. Protection for the UnexpectedBuilder's risk insurance covers repairing an unfinished structure and replacing building materials and equipment from physical loss or damage caused by unexpected incidents. For example, severe weather like hail, lightning, high winds, or fire, vandalism, and theft affect... --- ### 21 Business Insurance Terms to Know > A business insurance policy – its coverages, limits, and exclusions – can be difficult to understand. Get a quick and straightforward rundown of the commercial insurance terms you need to understand. - Published: 2025-02-10 - Modified: 2025-02-10 - URL: https://www.zensurance.com/blog/21-business-insurance-terms-to-know - Categories: Insurance - Tags: accountant, business insurance, e&o, small business A business insurance policy – its coverages, limits, and exclusions – can be difficult to understand. When buying or renewing a policy, get a quick and straightforward rundown of the commercial insurance terms you need to understand. Buying business insurance in Canada nowadays seems straightforward. You complete an online application for a free quote, review your options, and buy a policy. Easy, right? Yes, the process seems straightforward until you start reading through your policy. Terms like binder, peril, and rider can be confusing, leading to a lot of head-scratching. It's essential to seek clarity because if you don't understand what you're buying, how can you be sure you're adequately protected? At the most basic level, insurance for Canadian business owners protects against risks related to your business’s operations or professional activities, such as a slip-and-fall injury or negligence claim. While you don’t need to spend hours upon hours translating insurance industry jargon, getting familiar with the most common business insurance terms is wise to make an informed decision about insuring your business.  Here are the top 21business insuranceterms you should know:https://www. zensurance. com/wp-content/uploads/2021/11/Feb-10_Insurance-Terms_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 1. Actual Cash Value (ACV): When purchasing commercial property insurance, should you opt for the policy to be based onactual cash value (ACV) or replacement value (RV)?  ACV is the depreciated replacement cost of damaged or stolen property. It is a method of valuing insured property while considering the property’s or item’s age and condition. It calculates how much something is worth over its expected lifetime. 2. Replacement Value (RV):RV, or replacement cost coverage, replaces or repairs damaged property with new items of similar kind and quality without deducting for depreciation. RV coverage reimburses a policyholder... --- ### What Type of Insurance Coverage Do Accountants Need in Canada? > Get a quick overview of what type of insurance policy independent professional accountants and CPAs require to protect their careers and finances from allegations of wrongdoing and damages caused by mistakes and unexpected incidents. - Published: 2025-02-07 - Modified: 2025-02-07 - URL: https://www.zensurance.com/blog/what-type-of-insurance-coverage-do-accountants-need-in-canada - Categories: Insurance - Tags: accountant insurance, professional liability insurance Get a quick overview of what type of insurance policy independent professional accountants and CPAs require to protect their careers and finances from allegations of wrongdoing and damages caused by mistakes and unexpected incidents. With tax filing time approaching, bothnew accountantsseeking coverage for the first time and experiencedaccountants who need to renew their policiesrequire a comprehensiveaccountant insurancepolicy.  The Chartered Professional Accountants (CPA) of Canada advises independent accountants and firms providing accounting services to protect their businesses and clients with insurance. Mistakes, omissions, and unexpected damages resulting inclaims can affect any accountant. https://www. zensurance. com/wp-content/uploads/2025/02/Feb-7_Accountant_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. png What Does Coverage Does Accountant Insurance Include? There are three primary coverages every accountant should have in their policies. They are: Professional Liability Insurance: Professional liability insurance for accounting professionals covers claims or lawsuits alleging financial loss due to a service you provided, professional negligence, misconduct, or failure to deliver services as promised. General Liability Insurance: General liability insurance covers expenses from common risks during daily business operations, including third-party property damage and third-party bodily injuries. For example, if a client visiting your office trips, falls, and is injured, general liability insurance is designed to cover their medical expenses. Cyber Liability Insurance: Cyber liability insurance covers risks involving the technologies your practice uses and confidential client data. It covers most cyber incidents affecting your accountancy (first-party) and clients (third party).   There may be other types of insurance a policy should include to create comprehensive protection, such as: Cybercrime Insurance: Cybercrime insurance complements cyber liability insurance. It covers criminal activities that occur via the internet or other computer networks affecting your practice. It’s designed to address online financial theft... --- ### What Is Dropshipping Insurance for Side Hustles? > Dropshipping is hailed as the ‘ultimate side hustle’, attracting many young entrepreneurs and startups. This e-commerce business can be lucrative but is not risk-free or without possible legal consequences. Here’s what to know and how to protect your online business. - Published: 2025-02-05 - Modified: 2025-02-05 - URL: https://www.zensurance.com/blog/what-is-dropshipping-insurance-for-side-hustles - Categories: Insurance - Tags: dropshipping insurance, online seller insurance, side hustle insurance Dropshipping is hailed as the ‘ultimate side hustle’, attracting many young entrepreneurs and startups. This e-commerce business can be lucrative but is not risk-free or without possible legal consequences. Here’s what to know and how to protect your online business. With its recent surge in popularity, dropshipping has been dubbed the 'ultimate side hustle'. CBC Newsnotes that the practice has recently taken offas more young people want to be dropshippers, seeking out low-risk business models as a side hustle or an alternative to a typical day job. Amazon Canada defines dropshipping as “an order fulfillment option that allows e-commerce businesses to outsource the processes of procuring, storing, and shipping products to a third party – typically a supplier. ”Dropshipping, in essence, empowers online sellers to operate without stocking inventory, while the dropshipper handles packaging and shipping. This flexibility is a key factor in its appeal to young entrepreneurs. However, there are significant risks involved with the practice – especially if a product you sell causes a customer physical harm. For example, if you sell a skincare product through your online store that causes a customer to suffer an allergic reaction, you can be held liable for their medical expenses. https://www. zensurance. com/wp-content/uploads/2025/02/Feb-5_Dropshipping_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. pngThat's because you're the "seller of record," meaning you own the product before it's shipped to the customer, even if you don't physically handle or manufacture it. Should a customer file a claim or lawsuit against you for third-party bodily injury or property damage caused by a product, it could cost you thousands of dollars if you don't havedropshipping insurance. What Liability Risks Do Dropshippers Face? There are many liability risks associated with establishing a dropshipping business, including:... --- ### 10 Cybersecurity Risks to Small Businesses in 2025 > 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. - Published: 2025-02-03 - Modified: 2025-02-03 - URL: https://www.zensurance.com/blog/10-cybersecurity-risks-to-small-businesses-in-2025 - Categories: Cybersecurity, Insurance - Tags: cyber insurance, cyber liability insurance, cybersecurity 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. Building trust with your small business’s customers takes time and effort – but it can disappear in an instant if a cyber-attack or data breach compromises their personal and financial information. A 2023 study by Mastercard found data protection measures (57%), accountability (53%), and transparency about cyber incidents (52%) are among the highest factors influencing Canadian consumers’ perceptions of small business security and trustworthiness. Cyber-related threats and attacks on businesses are constantly evolving. However, data from a poll of Canadian business owners conducted by theInsurance Bureau of Canada (IBC)found that 69% don’t consider cybersecurity a financial priority, and only 20% intended to purchase acyber insurancepolicy, believing they’re too small to be targeted.  https://www. zensurance. com/wp-content/uploads/2025/02/Feb-3_Cybersecurity_Social-Image-1. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. png Cyber liability insuranceis an important component of any business insurance policy, but so is being aware of the threats that could imperil your business,improving your company’s cybersecurity, and knowingwhat to do if your business suffers a cyber-attack. Here are 10 cybersecurity risks small business owners need to know about in 2025:1. Artificial Intelligence-Fuelled AttacksArtificial intelligence (AI) is changing all facets of our lives and businesses online. Just as you might explorehow AI can help you grow your business, cybercriminals are also keen to use it to create more sophisticated attacks that are far more difficult to detect. This increases the threat of more sophisticatedphishingandsocial engineering attacks, which could compromise your business’s data and security. 2. Advanced Ransomware AttacksAccording to cybersecurity provider Sophos, an estimated... --- ### 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. - Published: 2025-01-31 - Modified: 2025-01-31 - URL: https://www.zensurance.com/blog/essential-insurance-policies-every-general-contractor-needs-in-2025 - Categories: Insurance - Tags: construction insurance, contractor insurance, general contractor, skilled trades 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. It’s been said that construction is the art of making a meaningful whole out of many parts. Nobody knows that better than general contractors and construction and skilled trade professionals. The year ahead, however, may see these professionals having to manage many more parts as the construction and renovation industries change due toanticipated economic impacts, supply chain challenges, and inflation fluctuations, not to mention more frequent and ferociousnatural disasters and extreme weatherthat significantly ups liability risks. To effectively deal with the multitude of challenges they’ll face, contractors and construction professionals should start planning how to nail down the insurance coverage they need and be prepared for the months ahead when construction and renovation season kicks into high gear. https://www. zensurance. com/wp-content/uploads/2025/01/Jan-31_General-Contractor_2_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. png 10 Essential Types of Insurance Contractors and Construction Pros NeedCreating a comprehensive contractor insurance or construction insurance policy depends on the type of work you do, the services you provide, and the risks you face for every project you embark upon.  Here are 10 types of liability insurance designed for contractors and construction professionals that you should consider:1. General Liability InsuranceIf a customer or passerby is injured at or near your job site or their personal property is damaged by your operations, general liability insurance is what will help. It covers third-party bodily injury and property damage claims that occur because of your operations or on your business property. Should an injured person sue you for damages, general... --- ### What Is a Commercial Insurance Bond? > A commercial insurance bond is different from a business insurance policy. Get an overview of the differences and the types of bonds your small business may need. - Published: 2025-01-29 - Modified: 2025-01-29 - URL: https://www.zensurance.com/blog/what-is-a-commercial-insurance-bond - Categories: Insurance - Tags: commercial auto insurance, commercial auto insurance Alberta 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. Certain professionals and small businesses often find themselves needing commercial insurance bonds to meet obligations tied to their customer contracts. For many contractors and business owners, securing a bond isn’t just a smart move – it’s a legal or regulatory must-have, often tied to obtaining licenses or meeting industry standards. A commercial insurance bond is different from abusiness insurancepolicy. Both are valuable risk management tools. However, they differ in how they are structured and who is paid if a claim is filed. Let’s go over what a commercial insurance bond is, the types available, how they work, and who may need one. https://www. zensurance. com/wp-content/uploads/2025/01/Jan-29_Insurance-Bond_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. png Understanding Commercial Insurance BondsCommercial insurance bonds, also known as surety bonds, are contracts between three parties: a business owner or contractor (the “obligee”), a customer (the “principal”), and an insurance company (the “surety”). Bonds are used to guarantee work or an obligation is performed in accordance with a contractual agreement or legal requirement. If the principal does not complete their contractual obligations to an obligee as agreed, the insurance company steps in to pay the obligee an agreed-upon amount, or fulfill their duties under the bond which could include completing the contract. However, the principal is legally required to reimburse the insurance company for the amount paid to the obligee through the bond. Two Main Types of Commercial Insurance BondsThere are two main types of commercial insurance bonds. Each type serves a unique purpose:1.... --- ### Will Changes to Commercial Auto Insurance in Alberta Affect Business Owners? > Alberta is increasing its annual rate hike cap to 7.5% for auto insurance premiums this year. Here’s what business vehicle owners in Alberta can expect. - Published: 2025-01-27 - Modified: 2025-01-27 - URL: https://www.zensurance.com/blog/will-changes-to-commercial-auto-insurance-in-alberta-affect-business-owners - Categories: Insurance - Tags: commercial auto insurance, commercial auto insurance Alberta Alberta is increasing its annual rate hike cap to 7.5% for auto insurance premiums this year. More changes to auto insurance in the province are on the way. Here’s what business vehicle owners in Alberta can expect. With 2025 pegged to be the year the Alberta government makes significant changes to auto insurance pricing, how will those changes affect business owners when they renew their commercial auto insurance policies? In late 2024, reports circulated Alberta would increase its annual rate hike cap to 7. 5% for auto insurance premiums on January 1, 2025 (up from the 3. 7% cap on rate hikes the governing United Conservative Party introduced in 2024). Furthermore, the government said it will introduce a no-fault claims system (calling it a care-first model) in January 2027 to streamline care and compensation for motorists and passengers injured in auto accidents. Under the proposed system, auto accident victims may be unable to sue the party responsible for their injuries. Instead, insurers would compensate victims at rates set by the government. https://www. zensurance. com/wp-content/uploads/2025/01/Jan-27_Comm-Auto_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. pngTheInsurance Bureau of Canada (IBC)cited data showing lawsuits and legal fees associated with auto collision claims are soaring. The average cost of a legal settlement in auto insurance claims in Alberta exceeded $100,000 in 2023. IBC said legal costs account for a larger portion of auto insurance premiums in Alberta than anywhere else in Canada. Highlighting the fact that collision-related lawsuits nearly doubled in Alberta between 2018 and 2022, the provincial government estimates the new system could lead to significant savings of up to $400 per year for the average insurance premium.  Nevertheless, a 7. 5% rate hike tocommercial auto insurancepremiums this year... --- ### Property Losses Due to Severe Weather Hits $8.5B in 2024 > Insured property losses caused by severe weather events in Canada hit a record high of $8.5 billion last year, almost triple the total insured losses recorded in 2023. Here’s how small businesses can protect their properties. - Published: 2025-01-24 - Modified: 2025-01-24 - URL: https://www.zensurance.com/blog/property-losses-due-to-severe-weather-hits-eight-and-a-half-billion-in-2024 - Categories: Insurance - Tags: e commerce, online sellers, product liability insurance, retail Insured property losses caused by severe weather events in Canada hit a record high of $8.5 billion last year, almost triple the total insured losses recorded in 2023. Here’s how small businesses can protect their properties. Newly released data by Catastrophe Indices and Quantification Inc. (CatIQ) shows insured property losses caused by severe weather events in Canada hit a record high of $8. 5 billion last year, shattering a previous record of $6. 2 billion in 2016. Alarmingly, the $8. 5 billion in property losses in 2024 are almost triple the total insured losses recorded in 2023 and 12 times the annual average of $701 million in the decade between 2001 and 2010, according to the Insurance Bureau of Canada (IBC). IBC adds the summer of 2024 was the most destructive season in Canadian history for insured losses due to wildfires, floods, and hailstorms. Commercial property insuranceis essential for business property owners to cover damages and losses caused by natural disasters, extreme weather, fire, theft, and vandalism. However, taking proactive steps to minimize damage caused by severe weather and natural disasters such aswildfiresis also important. https://www. zensurance. com/wp-content/uploads/2025/01/Jan-24_Climate-Weather_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. png Top 9 Costliest Severe-Weather Events in Canada in 20242024 was a year fuelled by natural disasters and stormy weather. IBC identified the nine most damaging events that upended communities and caused expensive insured property losses, including: A deep freeze in Western Canada in January caused$180 millionin property damage Hailstorms in Manitoba in mid-May caused$60 millionin damage Severe storms in Saskatchewan in June caused$135 millionin damage Flash floods in Toronto and the surrounding region in July caused$990 millionin damage The Jasper wildfire in Alberta caused$1. 1 billionin damage... --- ### 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. - Published: 2025-01-22 - Modified: 2025-01-22 - URL: https://www.zensurance.com/blog/product-liability-insurance-why-retailers-and-online-sellers-cant-afford-to-go-without-it - Categories: Insurance - Tags: e commerce, online sellers, product liability insurance, retail 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. Contaminated food causes a customer to become ill, a defective lamp ignites a fire in a home inflicting significant property damage, and unknown materials in clothing sold to a customer cause them to suffer a severe allergic reaction. These unpleasant scenarios could result in an expensive lawsuit that might force a business or online seller into bankruptcy. It might sound fanciful, but it happens. For retailers, online sellers, e-commerce companies and other enterprises, product liability claims and lawsuits could spell the end of their businesses. That’s why product liability insurance is vital to include in abusiness insurancepolicy. Let’s dive into what product liability insurance is and why any company selling, distributing, or manufacturing products sold to the public is essential:https://www. zensurance. com/wp-content/uploads/2025/01/Jan-22_Online-Retailer_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. png What’s the Difference Between Product Liability and General Liability Insurance? Product liability insurance can be purchased as a standalone policy but is often included with general liability insurance and is detailed in yourpolicy documentsas “products and completed operations” coverage. Each type of insurance is designed to cover different scenarios. Product liability insurancecovers a business or independent seller for the products they sell. It is designed to cover third-party bodily injury and property damage claims caused by a product a customer purchases from them – even if the business that sold the item did not manufacture it. As a retailer or seller, you are liable for any product you sell, distribute, or manufacture, including food and beverages.  ... --- ### Malpractice Insurance for Mental Health Professionals: What You Need to Know > Malpractice insurance is a specialized professional liability policy designed for health and wellness professionals. - Published: 2025-01-20 - Modified: 2025-01-20 - URL: https://www.zensurance.com/blog/malpractice-insurance-for-mental-health-professionals-what-you-need-to-know - Categories: Insurance - Tags: health and wellness insurance, malpractice insurance 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. According to the Centre for Addiction and Mental Health (CAMH), mental illness and substance use disorders are the leading causes of disability in Canada, and the economic cost of mental illness is estimated at over $50 billion per year. These facts highlight the value and importance of mental health and wellness practitioners striving to help people overcome challenges and live healthier lives. However, these practitioners face many significant pitfalls that could upend their careers and reputations. A disciplinary action or a malpractice lawsuit against any mental health practitioner can have severe consequences on their careers and financial well-being. Without adequate coverage, practitioners could face significant financial burdens, reputational damage, and even the risk of losing their practice. https://www. zensurance. com/wp-content/uploads/2025/01/Jan-20_Therapist_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. png What Does Malpractice Insurance for Mental Wellness Professionals Include? Malpractice insuranceis a specialized professional liability policy designed for healthcare and wellness professionals. It covers a broad range of claims or lawsuits against healthcare practitioners related to their services, such as allegations of misconduct or negligence. For instance, if a patient alleges that a therapist's advice led to the worsening of their condition, or if a client claims that a counsellor's negligence resulted in emotional distress; malpractice insurance can provide financial protection and legal support. 5 Ways for Mental Health Professionals to Avoid Malpractice ClaimsGetting the malpractice insurance you need is critical, however, preventing claims situations will always be your best bet. This can be done by ensuring you steer... --- ### 10 Questions to Ask Before Renewing Your Small Business Insurance > Reviewing your insurance coverage at least annually is recommended before renewing a policy. Here are 10 questions to ask. - Published: 2025-01-17 - Modified: 2025-02-13 - URL: https://www.zensurance.com/blog/10-questions-to-ask-before-renewing-your-small-business-insurance - Categories: Insurance - Tags: business insurance, grant25, insurance renewal, renew 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. Many small business owners, entrepreneurs, and self-employed professionals' business insurance policies may need to be renewed at the start of or early in the new year. That allows business owners to review their existing coverage and consider how their operations may have changed in the past year or will change in the months ahead. It is recommended that you review your insurance coverage at least annually. Doing so helps prevent your business from being underinsured (not having adequate coverage for the risks it faces) or overinsured (having coverages in a policy it may not require). https://www. zensurance. com/wp-content/uploads/2025/01/Jan-15_Renew-Insurance_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. pngHowever, before renewing a policy and after reviewing your coverage, it's 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 before renewing abusiness insurancepolicy:1. Does my current policy cover all my business’s risks? Business operations typically evolve. Ensuring your current policy still aligns with your business’s operations is essential before renewing coverage.  Consider how your operations may have changed last year. For instance, are you providing new products or services? Was your business property renovated, or did you move to a new location? You should notify your broker if these and other changes happened in the preceding year or if you will be making changes in the weeks and months ahead.  In some instances, you might need to add new coverages to your overall policy to account... --- ### Trump Tariffs: How Canadian Small Businesses Can Prepare > 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. - Published: 2025-01-15 - Modified: 2025-01-15 - URL: https://www.zensurance.com/blog/trump-tariffs-how-canadian-small-businesses-can-prepare - Categories: Finance, Insurance - Tags: construction insurance, contractor insurance, general contractor 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. Each year presents new challenges and opportunities for small businesses, but 2025 could pose an economic challenge unlike any Canada has endured if president-elect Donald Trump’s threat of imposing blanket25% tariffs on goods imported from Canadacomes to fruition. Canada's economy is deeply intertwined with the American economy, forming one of the most significant bilateral economic partnerships globally. However, this relationship is now under threat. The exact extent of the tariffs' impact on Canada remains uncertain as Trump prepares for his second term in the Oval Office on January 20.  The U. S. is Canada’s largest trading partner, and Canada is a significant trading partner for America. According to Statistics Canada, total trade with the U. S. in 2023 is estimated to be $595. 5 billion in exports and $373. 7 billion in imports. Meanwhile, data from the U. S. Census Bureau for 2024 up to October of last year shows the U. S. exported US$293 billion worth of goods to Canada, while imports from Canada totalled US$344 billion. https://www. zensurance. com/wp-content/uploads/2025/01/Jan-17_Tariffs_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. pngIt's a widely accepted belief that Canada would not emerge victorious in a trade war with the U. S. , even if the Canadian government retaliates with its own measures. Economists predict that a 25% tariff on all Canadian imports, combined with retaliatory tariffs by Canada, could plunge the country into arecessionthis year. This move could also lead to a spike in inflation and an increase in the unemployment... --- ### How to Get a General Contractors License in Ontario > Learn the steps for getting the contractor licensing you need in Ontario. - Published: 2025-01-13 - Modified: 2025-01-13 - URL: https://www.zensurance.com/blog/how-to-get-a-general-contractors-license-in-ontario - Categories: Insurance - Tags: construction insurance, contractor insurance, general contractor 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. Every professional general contractor providing their skills and services in Ontario needs a general contractor’s license. However, obtaining a general contractor license in Ontario requires skilled trades professionals to take several steps to qualify for one. The benefits of obtaining this license are numerous, and it's a crucial step in your career progression. Let's review why general contractors need a license in Ontario and the steps they need to take to obtain a license and become a licensed contractor in Ontario. https://www. zensurance. com/wp-content/uploads/2025/01/Jan-13_General-Contractor_1_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. png What Is a General Contractor and What Do They Do? A general contractor is a skilled trades professional managing a construction project. They coordinate all aspects of a project, ensuring it is completed on time and on budget, meets high-quality standards, and adheres to mandated safety and building codes. General contractors work on a variety of projects, including the construction of residential and commercial buildings, renovations to existing buildings, and oversight of infrastructure projects. General contractors’ responsibilities include: Project management Hiring subcontractors Obtaining permits to comply with local building codes Managing a project’s budget The procurement of raw materials Ensuring safety compliance on a job site Ensuring construction work meets industry standards and specifications Communicating regularly with their customers, subcontractors, and other stakeholders involved in a project Why Do General Contractors in Ontario Need a License? An Ontario general contractor license is not just a formality, but a necessity. It is the official recognition by... --- ### 8 Tax Filing Tips for Sole Proprietors > The deadline for Canadian sole proprietors to file tax returns in 2025 is fast approaching. Find out when your return is due and how sole proprietors can reduce their tax bills. - Published: 2025-01-10 - Modified: 2025-01-10 - URL: https://www.zensurance.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 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. Being a sole proprietor or a self-employed professional often means all your business-related tasks, including bookkeeping and filing taxes on time, fall solely onto your shoulders.  Also, take note that mostself-employed professionals and sole proprietors must file a tax returnfor fiscal 2024 by or before June 16, 2025.  However, if you owe the government money, you must pay the taxes by April 30, 2025, or the Canada Revenue Agency (CRA) will startcharging you compound daily interestas of May 1, 2025. https://www. zensurance. com/wp-content/uploads/2024/01/Jan-10_Tax-Filing_Blog-Image. png What Is a Sole Proprietor? It’s the simplest type of business structure. Sole proprietorships are owned by one individual and are not incorporated.  It’s cheaper and easier to start a sole proprietorship than a corporation, but one downside is that you also assume all the risks, which extends to your assets. That includes filing (and paying) your taxes on time and making sure you have the right tools, knowledge, andliability insuranceto protect yourself.  Zensurance recommends that sole proprietors, small business owners, and self-employed professionals consult an accountant, tax lawyer, or tax expert to help file taxes. In the meantime, here are eight tax-filing tips to consider:1. Understand What You Need to FileEven if, as a sole proprietor, you didn’t make much money, are operating at a loss, or are currently inactive, you still need to file your business and personal taxes together using aT2125 Statement of Business or Professional Activitiesform.  You also need to file a T1 return, including if you: Disposed of a capital property... --- ### Why Small Businesses Should Consider Commercial Crime Insurance > An estimated 45% of small businesses in Canada were directly affected by crime and safety-related issues in 2024, and theft was one of the most common issues they faced. - Published: 2025-01-08 - Modified: 2025-01-08 - URL: https://www.zensurance.com/blog/why-small-businesses-should-consider-commercial-crime-insurance - Categories: Insurance - Tags: commercial crime, commercial crime insurance, internal theft, theft An estimated 45% of small businesses in Canada were directly affected by crime and safety-related issues in 2024, and theft was one of the most common issues they faced. Theft takes many forms and can be internal. Here’s how commercial crime insurance may help. Is your small business theft-proof? You may have taken proactive steps to deter theft and other crimes against your business and be vigilant about preventing losses, but no business is risk-free or immune to crime. A poll of small business owners by the Canadian Federation of Independent Business found that 45% of small businesses in Canada were directly affected by crime and safety-related issues in 2024 – a significant jump from 24% of companies that said so in 2023. Theft was one of the most commonly cited issues small business owners faced in that survey. Of course, there are various types of theft, includingshoplifting, break-ins, burglary, data theft, robbery,fraud, embezzlement, and more. A comprehensive business insurance policy containing different coverages can address these risks to help owners cover losses beyond their control. https://www. zensurance. com/wp-content/uploads/2025/01/Jan-8_Comm-Crime_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. pngBusiness owners should have loss prevention strategies in place to thwart internal and external theft and reduce and prevent losses to their assets and revenue. An all-encompassing loss prevention strategy for any business owner should also feature commercial crime insurance. Commercial crime insuranceis a comprehensive solution designed to cover a business owner’s financial losses resulting from a wide range of business-related crimes, including internal theft by employees, forgery, robbery, dishonest acts, and electronic crime. It can also cover third-party theft if that specific coverage is included in the policy. Protection Against Losses Due to Theft: How Commercial Crime Insurance HelpsCommercial crime insurance primarily covers losses... --- ### New Year, New Coverage: Why Small Businesses Should Review Their Insurance Policies > January provides an opportunity to ensure your coverages align with how your business has changed or may change in the coming months. - Published: 2025-01-06 - Modified: 2025-01-06 - URL: https://www.zensurance.com/blog/new-year-new-coverage-why-small-businesses-should-review-their-insurance-policies - Categories: Insurance - Tags: insurance renewal, renew insurance Insurance policies are typically one-year contracts with your insurer that must be renewed yearly. January provides an opportunity to ensure your coverages align with how your business has changed or may change in the coming months. The dawn of a new year heralds fresh opportunities for small business owners to expand their enterprises and realize their ambitious goals. Doing so demands a plan that considers the competitive landscape and explores new ideas for engaging with existing and prospective customers while optimizing operations.  One of the key tasks business owners should prioritize in early January is reviewing theirbusiness insurancepolicies. This aligns with the strategic planning process for the year ahead and can lead to significant cost savings. There are three primary reasons why this is crucial:https://www. zensurance. com/wp-content/uploads/2025/01/Jan-6_Renew-Policy_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. png January is typically a time when business owners review their strategies for the year ahead and thoroughly assess their financial challenges and situations. Insurance policies are typically one-year contracts with your insurer. They need to be renewed each year, and many policies come due for renewal in January or the first quarter of the year. Reviewing your policy before renewing itprovides an opportunity to ensure the coverage you have aligns with how your business has changed over the previous year or may change in the coming months.   Our "Guide to Small Business Insurance in Canada" is a free PDF download that explains different types of insurance and can help you make informed decisions. Factoring in your new insurance premium based on the type of policy you require and the tax deductions you can claim meshes with yourannual budget plans. Benefits of Reviewing Your Business Insurance in JanuaryReviewing... --- ### Our Top 10 Business Insurance Blog Articles in 2024 > Read the 10 most-read blog articles on the Zensurance Small Business Insights blog in 2024 that captured the attention of Canadian business owners and entrepreneurs as you make plans to grow your business in 2025. - Published: 2024-12-20 - Modified: 2024-12-20 - URL: https://www.zensurance.com/blog/our-top-10-business-insurance-blog-articles-in-2024 - Categories: Insurance Read the 10 most-read blog articles on the Zensurance Small Business Insights blog in 2024 that captured the attention of Canadian business owners and entrepreneurs as you make plans to grow your business in 2025. It’s time to hit ‘replay’! As we cruise toward the end of another year, it’s time to embrace the annual tradition of looking back – because, let’s be honest, who doesn’t love a good ‘best of’ or ‘year in review’ list? From game-changing tips to vital information for protecting their finances, the past 12 months have been packed with useful reads on theZensurance Small Business Insightsblog that stood out to Canadian business owners everywhere. With that in mind, let’s see what captured your attention this year by reviewing the 10 most-read articles on our blog in 2024:https://www. zensurance. com/wp-content/uploads/2024/12/Dec-20_Top-Blogs-2024. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. png 1. Survey: Small Business Owners Fret Over Inflation But Remain Resolutely UpbeatAccording to the third annualZensurance Small Business Confidence Indexsurvey, inflation (58. 6%), the cost of business insurance and getting insured (51. 7%), and what will happen with interest rates (39. 6%) were among the top concerns Canadian small business owners had in 2024. Although most respondents said the economy hurt their businesses, almost 70% were confident they would be successful in 2024. Here’s what else was at the top of Canadian business owners' minds this year. 2. What Is Co-Insurance and How Does It Affect Business Property Insurance? Co-insurance is an agreement between you and your insurance company. It’s when you agree to maintain your property coverage limit up to the total value to replace it. If you don’t, it can cost you thousands of dollars.  Here’s how to... --- ### Insurance for Accountants: What to Do When Renewing Your Policy > It’s wise to think about what level of protection your accountancy or you as an independent accountant need. Here are nine things every accountant should consider when their policies are due for renewal. - Published: 2024-12-18 - Modified: 2024-12-18 - URL: https://www.zensurance.com/blog/insurance-for-accountants-what-to-do-when-renewing-your-policy - Categories: Insurance - Tags: accountant, business insurance, professional liability It’s wise to think about what level of protection your accountancy or you as an independent accountant need. Here are nine things every accountant should consider when their policies are due for renewal. Like most small business insurance policies, an accountant’s insurance policy is typically valid for one year before you receive a notice from your broker or insurance provider that it’s due for renewal. The renewal notice you receive (usually by email) should arrive in your inbox at least 30 days before your policy expires. It provides the perfect opportunity to revisit your coverage and see if you can get a better rate. It’s wise to think about what level of protection an accountancy or independent accountant needs.  Before renewing youraccountant insurancepolicy, it's crucial not to rush into it. Take the time to shop around and compare rates. Partnering with a Zensurance broker can often result in more comprehensive coverage without a premium increase, or even a lower annual premium for the coverage you need. https://www. zensurance. com/wp-content/uploads/2024/12/Dec-18_Accountant_Need_Insurance. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. png 9 Things Accountants Should Review Before Renewing Professional Liability Insurance Accountants know they need professional liability insurance. Also called errors and omissions (E&O) insurance, professional liability protects accounting professionals against claims or lawsuits alleging financial loss due to a service you provided, negligence, misconduct, or failure to deliver services as promised.  Here are nine things every accountant should consider when their professional liability policy comes up for renewal:1. Review Coverage LimitThoroughly review your existing policy and its overallcoverage limit.  Insurance serves as the foundation of risk management, which makes reviewing your policy and its details vital to ensure you have the necessary coverage... --- ### Do I Need Errors and Omissions Insurance? > Every retailer selling online or online sellers using third-party marketplaces risks falling prey to fraud and cybercrime. During the busiest shopping season of the year, here are common scams to be wary of and the steps to take to protect your business. - Published: 2024-12-16 - Modified: 2024-12-18 - URL: https://www.zensurance.com/blog/do-i-need-errors-and-omissions-insurance - Categories: Insurance - Tags: consultant, e&o, e&o claims Every retailer selling online or online sellers using third-party marketplaces risks falling prey to fraud and cybercrime. During the busiest shopping season of the year, here are common scams to be wary of and the steps to take to protect your business. Mistakes happen. But in business, even a small error or an accusation of professional negligence can escalate into a costly lawsuit that threatens your livelihood and reputation. Imagine facing a legal battle that drains your finances and jeopardizes everything you've built.  So, how do you protect yourself and ensure your business can withstand these risks?  The answer iserrors and omissions (E&O) insurance. Also called professional liability insurance, this type of coverage protects businesses and independent professionals against claims of mistakes,professional negligence, misconduct, failing to deliver a service as promised, and misrepresentation.  If you provide services or advice to your customers, it is vital to ensure that E&O insurance is included in your business insurance policy.  A wide range of professionals can face E&O claims, including accountants,consultants, health and wellness practitioners, general contractors, and architects, can face allegations of negligence, or make an error that results in one of your customers suffering a financial loss. https://www. zensurance. com/wp-content/uploads/2022/01/Dec-16_EO-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. png What Does an E&O Insurance Policy Not Cover? For all that an E&O policy does cover, it may not cover all possible claims a business owner could face, including: Intentional or criminal acts and fraudulent behaviour Bodily injury and property damage claims caused by your regular operations Data breaches and cyber-attacks Intellectual property infringement Bodily injury and property damage claims caused by a product you sell E&O Insurance vs. D&O Insurance: What’s the Difference? Unlike errors and omissions (E&O) insurance, which covers... --- ### 10 Ideas to Grow Your Small Business in 2025 > With an eye on brighter horizons, we offer 10 suggestions for things you can do to try to accelerate your small business’s growth in 2025. - Published: 2024-12-13 - Modified: 2025-02-13 - URL: https://www.zensurance.com/blog/10-ideas-to-grow-your-small-business-in-2025 - Categories: Insurance - Tags: Airbnb insurance, commercial property insurance, grant25, short term rental insurance, VRBO insurance Looking to capitalize on new ways to engage with existing and prospective customers and apply new tactics to optimize your business operations can be a tough task. With an eye on brighter horizons, we offer 10 suggestions for things you can do to try to accelerate your small business’s growth in 2025. With 2025 less than a month away, small business owners across the country are focused on making plans to grow their bottom lines and achieve their sales goals and targets in the new year. Considering the competitive landscape and general challenges they face, looking to capitalize on new ways to engage with existing and prospective customers and apply new tactics to optimize their operations can be a tough task. Although struggling with inflation and higher-than-normal interest rates were major obstacles to growth last year – 39. 6% of small business owners cited interest rates as a primary concern in the Zensurance Small Business Confidence Indexsurvey in mid-2024 – both are now more palatable. Canada’s inflation rate is at 2% presently, and the benchmark interest rate set by the Bank of Canada is at 3. 25% as of December 2024, down from a high of 5% in the first half of the year. https://www. zensurance. com/wp-content/uploads/2024/12/Dec-13_Grow-Your-Business_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesHowever, global survey data of small businesses conducted by digital marketing platform provider LocalIQ found that nearly half (48%) cited economic uncertainty, and 45% said gaining new customers will continue to be challenging in 2025. But what small business owner isn’t up for a challenge? With an eye on brighter horizons, we offer 10 suggestions for things you can do to try to accelerate your small business’s growth in 2025:1. Embrace Sustainability and Eco-Friendly PracticesWith global warming and climate change concerns steadily increasing, demonstrate to your employees and customers... --- ### How to Prevent Phishing Attacks > Phishing attacks are among the most pervasive cyber-attacks against small businesses and independent professionals. Learn more about it and how to prevent your company from falling prey to it. - Published: 2024-12-11 - Modified: 2024-12-11 - URL: https://www.zensurance.com/blog/how-to-prevent-phishing-attacks - Categories: Cybersecurity, Small Business Tips - Tags: cyber liability insurance, cybercrime insurance, Email marketing Phishing attacks are among the most pervasive cyber-attacks against small businesses and independent professionals. Learn more about it and how to prevent your company from falling prey to it. As convenient and efficient as using email is for business and personal communications, there is a dark side to using email: phishing attacks. A pervasive, year-round threat, phishing attacks tend to spike and are prevalent throughout the holiday shopping season. According to Cyberint, a cybersecurity company, phishing attacks surged by an estimated 46% in December 2023 compared to the monthly average throughout the year. Althoughcyber insuranceis vital for any small business or independent professional using email and operating online, preventing a phishing attack from infiltrating your network and compromising your security requires knowledge,cybersecurity tools, and awareness training. https://www. zensurance. com/wp-content/uploads/2022/08/Dec-11_Phishing_Blog-Image. png What Is Phishing? Phishing is a type of cyber-attack. It’s a technique attackers use to try to bait victims into believing they’re someone they’re not. Most phishing attacks are made using email, but hackers may use other methods, including text messages and phone calls. Their goal is to fool you into sharing confidential information so they can access your computer, accounts, and computer network. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesThe Insurance Institute of Canada, citing IBM Canada’s annual “Cost of a Data Breach Report”, states that phishing attacks are one of the most common types of attacks, affecting 14% of Canadian businesses in 2024.  Additionally, data from a 2024 Canadian Internet Registration Authority survey of organizations found that 44% experienced a cyber-attack in the last 12 months, and 56% are worried about how artificial intelligence (AI) may make phishing email and text-based attacks more effective. What Types of... --- ### Airbnb and VRBO Holiday Rentals: What Hosts Should Know About Insurance > Airbnb and VRBO hosts should also consider the risks associated with holiday rentals. Booking holiday stays may involve elevated risks of property damage or liabilities. - Published: 2024-12-09 - Modified: 2024-12-09 - URL: https://www.zensurance.com/blog/airbnb-and-vrbo-holiday-rentals-what-hosts-should-know-about-insurance - Categories: Insurance - Tags: Airbnb insurance, commercial property insurance, short term rental insurance, VRBO insurance Airbnb and VRBO hosts should also consider the risks associated with holiday rentals. Booking holiday stays may involve elevated risks of property damage or liabilities. Here’s how to protect your rental and finances. Property owners who use home-sharing sites like Airbnb and VRBO to rent rooms, homes, and condominiums to earn extra cash during the holiday season may be tapping into the most lucrative time to be hosts. December is typically considered the peak season for Airbnb and VRBO rentals. While no specific data is available for Canadian hosts renting in December into January, the typical Canadian Airbnb host earned about $12,200 in 2023. Winter tourism, particularly around ski resorts and scenic destinations, and holiday celebrations play a significant role in driving demand. Meanwhile, Statistics Canada notes the proportion of revenue of private short-term rentals has more than doubled from 7% in 2017 to 15% in 2021. However, Airbnb and VRBO hosts should also consider the risks associated with holiday rentals, as booking holiday stays may involve elevated risks of property damage or liabilities. https://www. zensurance. com/wp-content/uploads/2024/12/Dec-9_Airbnb-VRBO_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Risks Do Airbnb and VRBO Hosts Face During the Holidays? The increase in demand for short-term rentals for winter getaway celebrations poses challenges that hosts should keep in mind, including: Damage to Their Properties Holiday parties and the consumption of alcohol or cannabis at guests’ celebrations on your property can lead to accidental damages to a host’s rental property.   Injuries to Guests Winter means icy, slippery conditions. A guest staying at a rental could slip and fall and suffer severe injuries that a host may be liable for. Theft A higher volume of a host’s rental guests... --- ### What Is a Certificate of Insurance (COI) for Contractors? > Verifying you are insured with a certificate of insurance (COI) is critical for bidding on projects, obtaining building permits, and landing contracts. Here’s what every construction professional should know. - Published: 2024-12-06 - Modified: 2024-12-10 - URL: https://www.zensurance.com/blog/what-is-a-certificate-of-insurance-coi-for-contractors - Categories: Insurance - Tags: construction insurance, contractor insurance, renovation insurance Contractors, subcontractors, and construction professionals must prove they have valid liability insurance to work. Verifying you are insured with a certificate of insurance (COI) is critical for bidding on projects, obtaining building permits, and landing contracts. Here’s what every construction professional should know. General contractors, subcontractors, and construction professionals with valid liability insurance sometimes must prove they’re insured. But how can they do that quickly and efficiently if asked to do so by a customer, business partner, or other party?  The answer is contractors and construction professionals need to produce a certificate of insurance (COI). Let’s examine the details of a certificate of insurance for independent contractors, how it works, and why every contractor needs one. What Is a Certificate of Insurance (COI) for Contractors and Why Is It Important? Also referred to as a proof of insurance certificate, a general contractor certificate of insurance is a document summarizing your business insurance coverage. https://www. zensurance. com/wp-content/uploads/2024/12/Dec-6_COI-Contractor_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesFor contractors and construction professionals, it includes details about your policy, such as the types of coverage your policy features, includinggeneral liability insurance,errors and omissions (E&O) insurance(also called professional liability insurance), andcommercial auto insurance. It also provides quick details aboutthe coverage limitsand who the insured parties are. For example, a typical certificate of insurance includes: The name of the brokerage you purchased coverage from, its address and contact information The name of the insurance company underwriting your policy Your name and the address of your business or the organization that names you as an additional insured to their policy The insurance policy’s number A description of the coverages on your policy and the amount of coverage the policy has The policy expiration date More than just a document, a certificate of... --- ### 10 Business Insurance Claims We Saw in 2024 > See 10 real-life business insurance claims we resolved in 2024 for our clients. - Published: 2024-12-04 - Modified: 2024-12-04 - URL: https://www.zensurance.com/blog/10-business-insurance-claims-we-saw-in-2024 - Categories: Insurance - Tags: construction insurance, contractor insurance, renovation insurance Insurance is critical for protecting small business owners’ and independent professionals’ finances and reputations. Need proof? Here are 10 real-life insurance claims we resolved in 2024 for our clients. As we cruise to the end of another year and business owners and independent professionals plan for 2025, it’s essential for them to factor in the necessary business insurance coverage they’ll need. Unexpected incidents, accidents, damage caused by severe weather, fire, theft, and other events beyond one's control can affect the finances and reputation of any small business owner or self-employed professional. Last January, we shared the10 most prominent insurance claims we resolved in 2023. Although we received more than 10 insurance claims over the course of 2024, the outline of the claims below is among the more noteworthy ones we dealt with this year. The details of each illustrate how thebusiness insurancethese clients purchased from Zensurance helped protect their financial well-being and enabled them to recover quickly:https://www. zensurance. com/wp-content/uploads/2024/12/Dec-4_Claims-2024_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 1. Equipment Damage Claim Client’s industry: ConstructionIncident: A wheel loader was involved in an accident on a job site. Relevant insurance coverage:Tools and equipment insuranceLast spring, one of our contractor clients was using their wheel loader at a job site when it lost traction and flipped over (a wheel loader is a large piece of heavy machinery used on construction sites). Fortunately, the loader's operator was not injured, nor was anyone else on the job site. However, the loader sustained significant damage.  Our client’s tools and equipment insurance covered the claim, paying$40,000to repair the loader. 2. Ransomware Attack Claim Client industry: TechnologyIncident: A ransomware attack. Relevant insurance coverage:Cyber insuranceOur client runs a software... --- ### The Holiday Season Approaches: What You Need To Know About Liquor Liability Insurance > Before the revellers arrive, get an insurance checkup and ensure you’re covered for liquor liability risks. - Published: 2024-12-02 - Modified: 2024-12-02 - URL: https://www.zensurance.com/blog/the-holiday-season-approaches-what-you-need-to-know-about-liquor-liability-insurance - Categories: Insurance - Tags: bar and pub insurance, holidays, liquor liability, restaurant insurance As restaurant and bar owners prepare to make the most of the holiday season, it's important to consider the risks and protections associated with serving alcohol. Here’s what owners of establishments serving alcohol need to know. The festive season is a crucial time for restaurant, bar, and pub owners, and is fast approaching. As you prepare to host parties and make the most of this potentially lucrative holiday season, it's important to consider the risks and protections associated with serving alcohol.  According to a report by Research and Markets, a research consultancy, the Canadian food service market is estimated to grow at a compound annual growth rate of 5. 42% from 2024 to 2030. That’s encouraging. However, other numbers suggest Canadians are drinking less alcohol. ARetail Insiderarticle citing data from provincial liquor control boards states alcohol sales by volume have dropped in all provinces in 2024. For example, on the low end, alcohol sales in Ontario fell by 2%, by 4. 2% in Nova Scotia, and by 4. 9% in B. C. The steepest decline was in Alberta, where alcohol sales dropped by 15%. Declining alcohol sales are attributed to various factors, including changing cultural dynamics, higher taxes, and inflation. https://www. zensurance. com/wp-content/uploads/2022/11/Dec-2_Liquor-Liability_Blog-Image. pngNevertheless, the holiday season tends to encourage people to imbibe. With inflation back down to 2% plus a series of Bank of Canadainterest rate cuts(our country's benchmark interest rate is at 3. 75%, down from 4. 25%), consumers may be more willing to spend and celebrate the season. In any event, as restaurant and bar owners prepare their menus, dress up their establishments, and stock up on food and beverage supplies, now’s the time for business owners to do an insurance policy checkup... --- ### 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. - Published: 2024-11-29 - Modified: 2024-11-29 - URL: https://www.zensurance.com/blog/zensurance-business-grant-winner-2024-down-east-dance-academy - Categories: Small Business Tips - Tags: small business grant 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. Zensurance is pleased to announce that theDown East Dance Academyin Montague, Prince Edward Island, is the winner of the $10,000 Small Business Grant 2024. We announced on November 15 that Down East Dance Academy was one of 10 finalists for this year’s Zensurance Small Business Grant. Founded byMarie Lavergnein 2009, Down East Dance offers a range of dance classes for kids and young adults of all skill levels. Its certified instructors provide world-class dance lessons and training while retaining a small-town vibe. https://www. zensurance. com/wp-content/uploads/2024/11/Nov-29_Grant-Winner_Blog-Image. png“If you don’t play hockey, you don’t get to experience being part of a team. There are some afterschool sports that last a month or two, but no other activities like hockey existed before I started my studio,” she said. “Our studio attracts a lot of kids that don’t fit the cookie-cutter mould of our community, and it has given them a safe space.  “Our program has also grown to be the strongest in P. E. I. , with dancers training 15 hours a week at a preprofessional level. Our program also offers the equivalent of a high school credit for those who are on the school’s competitive team. ”https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts The $10,000 Zensurance Small Business Grant her studio received will help pay for necessary repairs to its main dancefloor. “We need to renovate the subfloor. The dancers have to contend with a bump in the middle of the floor, and it’s really problematic,” she explained. “Last summer, I spent $2,000... --- ### 5 Common Winter Business Insurance Claims > Five wintertime claims our clients had to contend with and how their insurance coverage helped them recover. - Published: 2024-11-27 - Modified: 2024-11-27 - URL: https://www.zensurance.com/blog/5-common-winter-business-insurance-claims - Categories: Insurance, Small Business Tips - Tags: construction insurance, contractor insurance, renovation insurance 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. Protecting your business or profession throughout the year with a comprehensive business insurance policy is critical for protecting your assets and financial wellness.  Accidents and mishaps leading toinsurance claims– theft, damages caused by fire or water, orallegations of professional negligence– can happen to any business owner at any time, but winter weather can up the stakes considerably. Here are five real insurance claims our clients dealt with last winter and how theirbusiness insurancehelped them cover the costs:https://www. zensurance. com/wp-content/uploads/2024/11/Nov-27_Winter-Claims_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 1. Third-Party Bodily Injury ClaimA player in a recreational touch rugby winter league suffered an injury to their anterior cruciate ligament (ACL) in a game. They sought funds for their medical and rehabilitation expenses from our client, who organizes and manages the recreational league. Outcome: Our client had general liability insurance, which paid$5,000to cover the injured player’s medical fees. 2. Third-Party Property Damage ClaimOur policyholder is a plumbing contractor who was hired to install new water pipes at a customer’s property over the summer months. However, one of the newly installed water pipes froze and burst during the winter. The leak damaged the customer’s property. They sought compensation from the plumber. Outcome: Our client had general liability insurance and completed operations insurance to cover third-party property damage claims. However, their insurance adjuster successfully defended them to prove they were not liable to pay this claim. 3. First-Party Property Damage ClaimA municipal snowplow was clearing snow from a city’s sidewalk. While doing so, the snowplow... --- ### How General Contractors Can Price a Job > 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. - Published: 2024-11-25 - Modified: 2024-11-25 - URL: https://www.zensurance.com/blog/how-general-contractors-can-price-a-job - Categories: Insurance, Small Business Tips - Tags: construction insurance, contractor insurance, renovation insurance 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. Providing a potential new customer with a quote for their services can be a tricky balancing act for general contractors and skilled trades professionals. On one hand, you want to win the job versus your competition. On the other hand, your pricing strategy needs to account for your business’s overhead andcontractor insurance, taxes, and profit margin. A customer quote is also an opportunity to set expectations and ensure the project goes smoothly and meets the customer’s satisfaction. However, pricing a job too low to beat a competitor won’t cover your costs, while pricing too high risks the customer going with another contractor. This guide provides a general overview of what contractors should consider when pricing a job. Its goal is to help you strike the right balance between competitiveness and profitability and achieve sustainable growth. https://www. zensurance. com/wp-content/uploads/2024/11/Nov-25_General-Contractor_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories Pricing Contractor Jobs: What to Consider Before Giving a QuoteCarefully accounting for various factors to ensure profitability means taking into account all the overhead costs you have to contend with, including:The Scope of the WorkMultiple factors come into play when determining the scope of the project, including the location of the site, site hazards, the size of the job, your services, the project deadlines, and any special requests by the customer. Labour CostsTime is money, and labour drives the bill. Consider what you’ll need to pay the number of full-time employees and subcontractors for the job, including any overtime, the schedule to complete the project,... --- ### Why November Is the Perfect Time for Bookkeepers to Review Their Insurance > November is the ideal time for bookkeepers to review and assess their insurance. We’ll give you 10 reasons why. - Published: 2024-11-22 - Modified: 2024-11-22 - URL: https://www.zensurance.com/blog/why-november-is-the-perfect-time-for-bookkeepers-to-review-their-insurance - Categories: Insurance - Tags: bookkeeper insurance, cyber liability insurance, professional liability 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. Bookkeeping is not just a task, it's the cornerstone of top-notch financial management and planning. It’s been said that making informed business decisions when one has complete data and facts is not leadership – it’s bookkeeping! After all, behind every successful business is an awesome bookkeeper. As we inch toward the end of another year, bookkeepers are busy preparing for their clients’ financial year by reconciling accounts, reviewing outstanding invoices, and processing vendor payments, among other priorities. However, November is also ideal for bookkeepers to review and assess their existingbookkeeper insurancepolicies. Here are 10 reasons why:https://www. zensurance. com/wp-content/uploads/2024/11/Nov-22_Bookkeeper_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 1. End-of-Year PlanningBookkeepers always need to stay a step ahead in their work. That applies to making plans to evaluate their liability insurance to ensure they’re adequately protected heading into a new year. This way, they know what coverages they need and what to do when they renew their policies. 2. Insurance Renewal TimingMany insurance policies renew at the start of a new year. Taking time in November to thoroughly review your existing coverage gives you plenty of time to consider what changes you need to make before your renewal date. 3. Holiday Season RisksYou may experience increased client interactions over the holidays, some clients might typically close before the winter, or your clients’ employees may be working from home. This is why November is prime time to review the increased risks that come with the holiday season, which may require you to adjust or... --- ### Is Your Salon Ready for the Holidays? Insurance Tips for Beauticians > Salon owners and independent beauticians need to ensure they're adequately covered with customized insurance. Here's what to know. - Published: 2024-11-20 - Modified: 2024-11-20 - URL: https://www.zensurance.com/blog/is-your-salon-ready-for-the-holidays-insurance-tips-for-beauticians - Categories: Insurance - Tags: beauticians insurance, beauty insurance, salon insurance 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. The holiday rush is here, and salons are buzzing! Clients are booking haircuts, colour treatments, manicures, and styling sessions to look their absolute best for office parties, family get-togethers, and those big New Year’s Eve celebrations. The Canadian economy is improving as inflation and interest rates fall, hiking the demand for professional stylists. According to data from Circana, a market research firm, hair is the fastest-growing category in the Canadian beauty market, with dollar sales up by 21% in November 2023. Also noteworthy, Circana found lip makeup grew by 31%, as did makeup sales (up 20%) and skincare sales (up 17%). However, the welcome spike in business in the busy November to January timeframe also increases the demand for salon owners to be ready for an influx of clients. https://www. zensurance. com/wp-content/uploads/2024/11/Nov-20_Salon_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesNot only do salon owners need to ensure they stock up on the products they need to make their clients look glamorous and shine, but they should also consider ensuring their salons are adequately covered withcomprehensive beauty insurancepolicies. The holiday season can be hectic. It is vital to ensure your clients can relax amidst the chaos while visiting your salon and leave feeling refreshed and revitalized. But beauticians and salon owners also need to feel confident and relaxed and have the protection they need if something goes wrong. What Liability Risks Do Salon Owners and Beauticians Face During the Holiday Season? While there areways to minimize the liability risks beauticians and salon... --- ### 10 Tips for Closing Your Small Business for the Winter > Are you closing up shop for the winter? Ensuring your property is prepared for winter and your valuable contents and inventory are safely stored is vital. See our tips for how small business owners can shut down operations and keep their assets safe. - Published: 2024-11-18 - Modified: 2024-11-18 - URL: https://www.zensurance.com/blog/10-tips-for-closing-your-small-business-for-the-winter - Categories: Insurance, Small Business Tips - Tags: commercial property, general liability, small business owner Are you closing up shop for the winter? Ensuring your property is prepared for winter and your valuable contents and inventory are safely stored is vital. See our tips for how small business owners can shut down operations and keep their assets safe. Canadian summers are glorious but brief. For small businesses that operate only during the warmer months, preparing to close up shop as the weather turns and the temperature drops requires careful planning. However, ensuring your property is prepared for winter, and your valuable contents and inventory are safely stored is vital. After all, unexpected damage and loss can happen at any time, and not being prepared can lead to significant financial losses. Here are 10 ways to prepare your small business to close for the winter and avoid costly damages:https://www. zensurance. com/wp-content/uploads/2023/11/Nov-18_Close-for-Winter_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 1. Create a closing checklistDevelop a comprehensive checklist that outlines all the tasks needed to close your business correctly. This could include tasks such as securing all windows and doors, disconnecting and draining water systems, and removing any perishable items from the premises. Consider your company’s building and winterize it to prevent damage from the harsh winter weather.  For instance,disconnect and drain outside garden hoses, close the shut-off valves that allow water to travel to an outdoor faucet and drain the line. Also, keep the thermostat consistently set to the same temperature during the day and at night. It’s also worthwhile to hire a roofing contractor to check your building’s roof for loose or missing shingles to prevent high winds and heavy snow from damaging it further and leading to interior leaks. 2. Prevent the risk of slip-and-fall accidentsHire a snow removal contractor to keep your business’s driveway, walkways, and parking... --- ### 10 Financial Planning Tips for Small Businesses in 2025 > Financial planning tips to help small businesses grow and thrive in 2025. - Published: 2024-11-15 - Modified: 2024-11-15 - URL: https://www.zensurance.com/blog/10-financial-planning-tips-for-small-businesses-in-2025 - Categories: Finance - Tags: business insurance, cash flow, filing taxes small business, small business finance 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. “The purpose of business is to create and keep a customer,” said legendary management consultant Peter F. Drucker. And isn’t that the challenge every entrepreneur and small business owner faces? The way you adapt, strategize, and plan can make all the difference between success and struggle.  Running a business means navigating surprises, making smart choices, and setting yourself up for long-term growth. With thoughtful financial planning, you’ll be ready to handle market shifts, tackle unexpected expenses, and stay ahead of the game. With that in mind, here are 10 financial planning tips for your small business to consider for 2025:https://www. zensurance. com/wp-content/uploads/2024/01/Nov-15_Small-Business-Financial-Planning_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 1. Determine Realistic Goals and a BudgetAfter reviewing your financial performance in 2024 to see where things went well and where you may have fallen short, empower yourself by setting realistic and achievable goals for 2025. Do a deep dive into your revenue growth, operating expenses, and profitability. Think about what you want your business to achieve in 2025 and identify goals you can realize. Be specific. While setting a goal of growing your business over the next 12 months is fine, quantify it.  For example, if your goal is to grow your business by acquiring 1,000 new customers, pick dates and milestones to target throughout the year related to that goal. Also, develop a budget that supports those goals and includes the revenues and expenses you’ll have throughout the year. Routinely reviewing and updating your budget as you track your... --- ### 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. - Published: 2024-11-13 - Modified: 2024-11-13 - URL: https://www.zensurance.com/blog/insurance-considerations-for-ecommerce-businesses-during-the-holidays - Categories: Insurance - Tags: business insurance, commercial property, general liability, product liability 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. The holiday shopping season is underway as consumers explore their gifting options online. That means e-commerce businesses, online retailers, and independent online sellers need to ensure their sites are optimized to handle a spike in traffic and for mobile devices since many consumers prefer to shop on smartphones and tablets. However, the holiday season also triggers heightened risks for e-commerce businesses as scammers and cybercriminals use various cyber-attacks to exploit weaknesses. That highlights the need for everye-commerce business, online retailer, orAmazon sellerto have a comprehensive insurance policy to protect their finances. https://www. zensurance. com/wp-content/uploads/2024/11/Nov-13_E-comm-Holidays_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories Common Threats E-Commerce Retailers Face During the HolidaysThe common threats online retailers face during the holiday shopping season include: A spike in cyber-attacks. Cybercriminals know what buttons to push and when to infiltrate a company’s network through various tactics, such asphishing attacks,ransomware attacks, and distributed denial of service (DDOS) attacks.   Financial fraud. Fraud is a significant financial risk to organizations of all sizes and industries. First-party and third-party fraudramps up during the busy shopping season. Internal weakness. Tired, busy, and stressed employees may be distracted and make mistakes that can lead to data breaches. Technical vulnerabilities. Unaddressed software and operating system updates can open the door for cybercriminals to quietly enter through known exploits. What Insurance Do E-Commerce Businesses Need? Here are the types of business insurance coverages an e-commerce business or online retailer may require: Cyber Liability Insurance Cyber liability insurancecovers your legal and financial responsibilities following... --- ### 9 Ways to Celebrate Small Business Saturday in Canada > Take advantage of Small Business Saturday to raise brand awareness and attract new customers as the holiday shopping season heats up. See our list of how you can do that cost-effectively. - Published: 2024-11-11 - Modified: 2024-11-11 - URL: https://www.zensurance.com/blog/9-ways-to-celebrate-small-business-saturday-in-canada - Categories: Small Business Tips - Tags: business insurance, commercial property, general liability, product liability Take advantage of Small Business Saturday to raise brand awareness and attract new customers as the holiday shopping season heats up. See our list of how you can do that cost-effectively. Amidst the bustling holiday shopping season, there's a unique opportunity to elevate your small business – Small Business Saturday. Small Business Saturday is on November 30, 2024. It’s an annual opportunity for small businesses to not only celebrate their resilience but also to strengthen their ties with their communities. By encouraging more customers to support you and buy local through special offers and one-day, irresistible deals, you're not just boosting sales, but also fostering a sense of community. Black Friday (November 29) and Cyber Monday (December 2)are prominent annual events for retailers, but small businesses are often overshadowed by larger companies and retail chains online and offline. Data from 2023 found that 65% of Canadian small businesses rely on holiday sales to be profitable by the end of the year. https://www. zensurance. com/wp-content/uploads/2024/11/Nov-11_Small-Business-Saturday_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesParticipating in Small Business Saturday could be the game-changer for your business. In 2023, an American Express study found that 51% of consumers prefer shopping at small businesses, and an estimated $17 billion was spent at independent retailers and restaurants last year.  While the statistics are promising, relying on hope alone won't drive sales. To make the most of Small Business Saturday, it's crucial to plan ahead. Need some ideas on how to participate this year? Here are nine strategies to consider:1. Offer Exclusive, One-Day DiscountsEmbrace the flash sale! On November 30, offer substantial discounts on a variety of goods and products, making it a one-day bonanza customers can’t resist. Be... --- ### 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. - Published: 2024-11-08 - Modified: 2024-11-08 - URL: https://www.zensurance.com/blog/contractors-are-you-insured-for-installing-christmas-lights-for-your-customers - Categories: Insurance - Tags: commercial property, contractor, general liability, handyman 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. The holiday season is upon us, and commercial property owners and homeowners are already dressing up their properties with exterior Christmas lights and decorations to celebrate the most wonderful time of the year. Whether it’s classic string lights, custom designs, or energy-efficient LEDs, the demand for professional holiday light installations is growing. Many contractors offer holiday lighting design and installation services that can elevate a home or business property to another level of festive cheer.  From holiday lighting installations along rooflines, trees, gardens, fences, and any other surface or structure your customers want to adorn with colour and light up the night elegantly, you provide a worry-free service, including taking the decorations down at the end of the festive season. https://www. zensurance. com/wp-content/uploads/2023/11/Nov-8_Christmas-Lights-Contactor_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesHowever, the worry-free service you offer your customers should include a comprehensivecontractor liability insurancepolicy. It's designed to cover a wide range of potential issues ensuring you and your customers are fully protected. Who Needs Christmas Light Installation Insurance? Holiday light installation isn’t just for general contractors. Other professionals provide holiday lighting design and installation services, including: Lighting companies specializing in holiday decor. Landscapers offering lighting as a seasonal service. Electricians who can handle the wiring safely. Handypersons catering to residential homes. Window cleaners and maintenance professionals already equipped to work at heights. Property management companies that enhance curb appeal for tenants. Regardless of your profession, if your business falls into these categories and offers holiday lighting design and installation services to... --- ### 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. - Published: 2024-11-06 - Modified: 2024-11-06 - URL: https://www.zensurance.com/blog/when-does-a-holiday-gift-become-a-tool-of-your-trade - Categories: Insurance - Tags: business contents, business insurance, tools and equipment 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. The holiday season is the most joyous time of the year, and it’s when you might receive a gift from family or friends that you can use in your professional life. How great would that be? Or, if you get the tools you’ve been dreaming of for ages, why notstart your own businesslike you've always wanted? For example, ageneral contractormay receive a new power tool combo kit, or aprofessional photographermay get a new high-powered lens for their camera. If the present you receive is something you will use for work, you need to think about protecting it from damage or loss. After all, what would be worse than getting an expensive, new item you need to do your job that is stolen or damaged? Unfortunately, your home, condo, or tenant insurance is unlikely to cover these items if you use them for work. https://www. zensurance. com/wp-content/uploads/2022/12/Nov-6_Tools_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesYou might have a warranty for the item, but warranties are usually limited in what they will cover. That’s why it’s worthwhile to contact a Zensurance broker and let them know what new tool or item you have and its value so they can ensure yourbusiness insurancepolicy covers it. Adding New Items to Your Business Contents InventoryIf you havecommercial property insuranceto protect your workspace, studio, or office, it’s wise toupdate your contents inventory annually. That way, if you must file a claim, you’ll have accurate documentation of all the contents in your place of business and their values.... --- ### 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. - Published: 2024-11-04 - Modified: 2024-11-04 - URL: https://www.zensurance.com/blog/10-ways-to-safeguard-your-small-business-during-the-winter - Categories: Insurance - 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. Canadian winters are long and unpredictable – frigid temperatures, heavy snowstorms, high winds, and icy conditions are common and expected.  But with the season comes increased risks that could expose your business to property damage or liability claims. The good news is that many of these hazards are preventable with a bit of preparation and proactive action.  Before winter sets in, it's crucial to prepare your business property to withstand winter's fury. Here are 10 proactive steps you can take to protect your property and finances: https://www. zensurance. com/wp-content/uploads/2022/01/Nov-4_Winter-Safety_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. png 1. Inspect the RoofFor a comprehensive approach, consider hiring a professional roofing contractor to inspect the roof for damages or signs of decay that could lead to leaks and get it repaired. Snow piling up on a damaged roof over the winter makes it susceptible to leaks, which can lead to interior water damage in your building. Additionally, the weight of heavy snow on a roof with weak spots could cause it to collapse.  2. Check the Windows and DoorsPrevent cold air and moisture from entering your commercial property through windows and doors by adding weatherstripping or re-caulking their frames. Doing so can also help keep the heat inside and reduce your building’s energy bill. 3. Clear Eavestroughs, Gutters, and DownspoutsYour building's eavestroughs, gutters, and downspouts must be clear of debris to ensure water and snowmelt flow away from the building and do not freeze and form ice dams. Ice dams... --- ### 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. - Published: 2024-11-01 - Modified: 2024-11-01 - URL: https://www.zensurance.com/blog/how-to-protect-your-business-on-black-friday-and-cyber-monday-2024 - Categories: Cybersecurity, 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. They’re the two biggest shopping days of the year: Black Friday on November 29 and Cyber Monday on December 2. For decades, Boxing Day or Boxing Week stood out as the busiest shopping season for Canadians, but those days are in the rearview mirror. According toStatista,Black Friday and Cyber Monday will continue to eclipse Boxing Day. Their 2023 data found that 40% of consumers shopped on Black Friday, 37% shopped on Cyber Monday, and 32% shopped on Boxing Day. Regardless, the opportunity Black Friday, Cyber Monday, and the holiday season present also poses considerable liability risks for any small business or online seller angling to get in on the action. Ensure you havecommercial general liability,product liabilityandcyber liabilityinsurance, including if you sell products online through your company's website or a third-party marketplace likeAmazonorEtsy.  https://www. zensurance. com/wp-content/uploads/2023/11/Nov-1_Black-Friday_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesThat’s because you are liable for any injuries, illnesses, or property damage a customer suffers from goods they buy from you, whether or not you designed or manufactured them.  Furthermore, you’re responsible for the safety and integrity of any customer data you store on your computing systems. Adding a peak season endorsement to your business insurance policy may be worthwhile if you’re holding additional stock and ensuring you’re covered in case of an unexpected loss. Watch for These 2024 Holiday Season ScamsThere’s another wrinkle retailers and online sellers need to be aware of:phishing scams, fraud, and cyber-attacks. Not surprisingly, when consumer shopping peaks as it does on Black Friday,... --- ### 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. - Published: 2024-10-30 - Modified: 2024-10-30 - URL: https://www.zensurance.com/blog/holiday-readiness-essential-insurance-tips-for-retailers - Categories: Insurance - Tags: commercial property insurance, e-commerce insurance, general liability insurance, retail insurance 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. The holiday shopping season is approaching, and retailers, online sellers, and e-commerce businesses selling products are amping up their operations to woo consumers and grow their bottom lines. According to Deloitte, holiday retail sales are expected to increase between 2. 3% and 3. 3% this year. In 2023, holiday sales grew by 4. 3% from November to January.  Meanwhile, an American Express (Amex) Canada report on holiday gifting trends for 2024 published byRetail Insidersuggests Canadians are eager to begin shopping this holiday season, with 19% already starting and increasing to 69% by November. Here’s additional good news from the Amex Canada data: 57% of Canadians actively seek out small businesses when purchasing holiday gifts. With the busy shopping season upon us, here are three things retailers should do to be ready to minimize their liability risks:https://www. zensurance. com/wp-content/uploads/2024/10/Oct-30_Holiday-Ready_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. png 1. Review and Update Liability InsuranceCheck yourretail insurancepolicy andcoverage limits, and update it if necessary. For example, you’re likely to see an increase in customers visiting your store, which raises the chances of a customer getting injured or causing accidental damage to your property. Review your policy’s coverages and limits, including: General liability insurancecovers third-party bodily injuries and third-party property damages that happen on your premises or due to your store’s normal operations. Commercial property insurancecovers your business property, contents, and inventory for damages and losses caused by fire, water, natural disasters, theft, and vandalism. Business interruption insuranceis frequently included with... --- ### 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. - Published: 2024-10-28 - Modified: 2024-10-28 - URL: https://www.zensurance.com/blog/how-does-business-interruption-insurance-help-restaurants - Categories: Insurance - Tags: business interruption insurance, cafe insurance, restaurant insurance 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. As a restaurant owner, you're well aware that your business is exposed to a multitude of risks that could potentially lead to significant financial losses. These risks include: Wet floors or uneven surfaces that cause a patron or visitor to your eatery to slip or trip, fall, and suffer an injury Food-borne illnesses that make customers sick A customer suffering a severe allergic reaction to a dish you prepared A kitchen fire Sudden equipment breakdowns that can force you to close temporarily Break-ins, robberies, or vandalism to your property A cyber-attack, data breach, or a hacker gaining access to your point-of-sale (POS) system that compromises customers’ payment information Any of these situations can create financial havoc for restaurant owners, which makes a customizedrestaurant insurancepolicy vital for dealing with such incidents.  https://www. zensurance. com/wp-content/uploads/2024/10/Oct-28_Restaurant-Inturruption-Insurance_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. pngHowever, if your establishmentsuffers physical damage because of a covered peril (like a fire)and you’re forced to close for weeks or months, you’ll needbusiness interruption insuranceto cover your losses. How Does Business Interruption Insurance for Restaurants Work? Business interruption insurancecan be a financial lifeline to cover losses resulting from an insurable event to your business property that forces you to close for repairs, such as a fire. It covers things like lost income, loan and lease payments, utility bills, and full-time employee payroll while the property is being repaired and restored. However, you must havecommercial property insuranceto buy business interruption insurance for your restaurant. Commercial property insurance... --- ### 8 Things That Are Scarier Than Halloween > Halloween and ghost stories that send shivers down your spine are fun, but many things are far more frightening for small business owners. See our list of things that can spook business owners way more and how the right insurance can put those fears to rest. - Published: 2024-10-25 - Modified: 2024-10-25 - URL: https://www.zensurance.com/blog/8-things-that-are-scarier-than-halloween - Categories: Insurance - Tags: commercial property insurance, cyber insurance, general liability insurance, Halloween, professional liability insurance Halloween and ghost stories that send shivers down your spine are fun, but many things are far more frightening for small business owners. See our list of things that can spook business owners way more and how the right insurance can put those fears to rest. Most people get a kick out of Halloween, frightening ghost stories, glowing jack-o-lanterns, and little ghouls and goblins trick-or-treating on October 31st. Some of us also enjoy feeling the jitters while watching a scary movie. It’s all in good fun, after all. But for small business owners, independent professionals, and sole proprietors, Halloween and chilling movies aren’t as terrifying as real-life claims, accidents, and incidents that can destroy their businesses. We can give you eight examples of things far more spine-chilling to business owners than witches, vampires, and werewolves:https://www. zensurance. com/wp-content/uploads/2024/10/Oct-25_Halloween_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. png 1. A Customer Lawsuit for Professional ErrorsMistakes happen to everyone. However, for professional service organizations, consultants, accountants, and other independent professionals, making a mistake (even unintentionally) or neglecting to do something as promised to a customer can lead to an expensive lawsuit.  Professional liability insurance(or errors and omissions insurance) is essential protection for those providing professional services.  2. Cyber-Attacks and Data BreachesA cyber-attack or data breach that compromises your business’s and customers’ confidential information can destroy your business and reputation, gut your finances, and lead to legal liabilities.  Cyber insuranceis vital coverage every small business owner in any industry should have as part of their overall policy to help manage the fallout of cyber incidents, protect their finances, and restore their compromised systems. 3. Not Having Enough Coverage to Pay For a LossHaving commercial insurance to protect your business from damages and losses is critical. Equally important is... --- ### 8 Cybersecurity Tools for Small Businesses Using Mobile Devices > Securing the devices your employees and company use is vital to a well-rounded cybersecurity plan. See our suggestions for upping your mobile security. - Published: 2024-10-23 - Modified: 2024-10-23 - URL: https://www.zensurance.com/blog/8-cybersecurity-tools-for-small-businesses-using-mobile-devices - Categories: Cybersecurity, Insurance - Tags: cyber insurance, cyber liability insurance, cybercrime insurance, cybersecurity, mobile security 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. One area of cybersecurity for small businesses that may be overlooked is protecting confidential data on mobile devices (smartphones and tablets). Further complicating that challenge is that it’s common for small business employees to use their personal devices for work. Data suggests that 85% of small businesses rely on smartphones to improve productivity, and 75% of their employees use smartphones to check their work email accounts. Furthermore, 85% of Canadian small businesses use mobile devices outside their workplaces for business operations. Also noteworthy is that mobile device security threats are rising. According to Kaspersky, a cybersecurity and antivirus provider, the number of cyber-attacks targeting mobile devices in 2023 surged to over 34 million – a 52% increase compared to 2022, when there were over 22 million attacks. https://www. zensurance. com/wp-content/uploads/2024/10/Oct-23_Cybersecurity-Tips-Mobile_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2024/10/Insurance-Guide_Thumbnail_Blog-Page. pngEye-popping stats like that emphasize the necessity for small business owners to be proactive about safeguarding their data and systems accessed on mobile devices. It’s also vital to have a full understanding of your industry’s and province’s regulations to ensure your business is in compliance when choosing how to protect your company’s mobile devices. Here are eight mobile security tools for small business owners to consider:1. Invest in Mobile Device Management (MDM)Allowing employees to BYOD (bring your own device) to work is commonplace. Depending on the size of your team and the nature of your business, investing in a Mobile Device Management (MDM) platform to remotely manage and secure employee... --- ### 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. - Published: 2024-10-21 - Modified: 2024-10-21 - URL: https://www.zensurance.com/blog/what-to-do-if-your-small-business-suffers-a-cyber-attack - Categories: Cybersecurity, Insurance - Tags: cyber insurance, cyber liability insurance, cybercrime insurance, cybersecurity 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. Experiencing a data breach or cyber-attack is not just stressful and overwhelming, it can completely upend and destroy a small business, potentially leading to significant financial and reputational losses. Yet, according to theInsurance Bureau of Canada, 69% of Canadian small businesses don't consider cybersecurity a financial priority, and only 20% intend to purchase acyber insurancepolicy. This lack of prioritization is a dangerous game that could cost them everything. It's crucial for business owners to understand the importance of cybersecurity and the need to invest in it to protect their business. IBM Security defines a cyber-attack as “any intentional effort to steal, expose, alter, disable, or destroy data, applications, or other assets through unauthorized access to a network, computer system or digital device. ”It’s vital for every business owner or leader to fully understand all regulatory and compliance-related requirements their business is subject to, develop an incident management policy and procedures, and seek out expertise from cybersecurity professionals for help developing an in-depth cyber response plan. https://www. zensurance. com/wp-content/uploads/2024/10/Oct-21_Cyber-Attack_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesTaking action quickly is critical if you suspect your business has suffered a data breach or cyber-attack. The steps below are for informational purposes only, and are intended to provide a general guide on what may be included in a cyber response plan developed by cybersecurity professionals:1. Notify Your IT Security Team or a Cybersecurity ProfessionalIf you have a dedicated IT security team or cybersecurity consultant, contact them immediately and have them investigate the attack and... --- ### 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. - Published: 2024-10-18 - Modified: 2024-10-18 - URL: https://www.zensurance.com/blog/10-insurance-tips-for-women-entrepreneurs - Categories: Insurance, Small Business Tips - Tags: business insurance, product liability, professional liability, 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. Women entrepreneurs and business owners know that one key to success is investing in liability insurance to safeguard their finances, instill confidence in their customers, and prepare to adapt to the ever-changing business landscape. However, with the right guidance and knowledge, navigating the complexities of acquiring the right type of liability insurance can be a manageable task for any entrepreneur in any industry. Here are 10 tips for women entrepreneurs and independent professionals to consider when investing in business insurance:https://www. zensurance. com/wp-content/uploads/2024/10/Oct-18_Women-Entreprenuers_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 1. Know Your Business’s RisksStart by thinking about your business or startup, the products or services you offer, the industry, and the risks it involves. For instance, do you provide professional services or create and sell products or food? While many types of insurance are similar and applicable to different entities, each addresses a different liability concern. 2. Get Customized CoverageIt’s not a question of buying any liability insurance but the type that suits your business and industry. That’s why getting a policy that’s tailored to meet your specific requirements matters. You don’t shouldn’t pay for coverages you don’t need. A customized policy only includes what you need and can save you money. 3. Understand General Liability Insurance General liability insuranceis typically required by all businesses regardless of what they do or provide. This type of insurance exists to coverbodily injuries and property damages to third partiescaused by your business’s operations. For example, if a customer or delivery person visiting your... --- ### 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. - Published: 2024-10-16 - Modified: 2024-10-16 - URL: https://www.zensurance.com/blog/5-best-vpn-providers-for-small-businesses - Categories: Cybersecurity - Tags: cyber insurance, cyber liability insurance, cybercrime insurance, cybersecurity 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. Enhancing and strengthening your small business's cybersecurity is not a one-time task, but an ongoing commitment. It’s crucial to thwart the constantly changing threats posed by hackers looking to infiltrate your network and steal or compromise your data. It’s concerninga poll of Canadian small business ownersin 2023 found that over 60% of small businesses and 73% of sole proprietors believe their businesses are too small to be targeted by cybercriminals. The reality is nearly two-thirds of Canadian companies have experienced a cyber incident, according to the federal government. It is highly recommended that you purchasecyber insuranceas part of your policy to help your company recover if you suffer a data breach or cyber-attack. However, you also need to take proactive measures to prevent a cyber incident from happening.  One way to do that is to consider purchasing a virtual private network (VPN) to protect sensitive data, hide your IP address, and lower the risk of data breaches. Read on to learn more about VPNs and how one may benefit your small business. https://www. zensurance. com/wp-content/uploads/2024/10/Oct-16_VPN-Small-Business_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Is a Virtual Private Network (VPN)? A virtual private network (VPN) is a tool or application that allows users to securely connect to the internet by making their internet traffic unreadable to anyone trying to intercept it and hiding their location.  It performs two functions: It creates an encrypted tunnel between a device (laptop, smartphone, tablet) and the internet that scrambles a user's data. Scrambling data makes... --- ### 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. - Published: 2024-10-11 - Modified: 2024-10-11 - URL: https://www.zensurance.com/blog/what-online-sellers-and-retailers-should-know-about-product-liability-insurance - Categories: Small Business Tips - Tags: business insurance, general liability, media liability, professional liability 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. We’re heading into the busiest time of the year for retailers and online sellers. Arguably, the holiday shopping season starts in October and ramps up as we inch toward the end of the year. That’s excellent news for retailers of all stripes selling products online and offline. Black Friday (November 29 this year) marks the real start of holiday shopping. However, Thanksgiving and Halloween also tend to see consumers increase spending. With inflation down to 2% in Canada, consumers may be encouraged to open their wallets more frequently this year than in the past two years.  According to Statista, during the 2023 holiday season, most consumers spent an average of $2,000. Also, 40% of Canadians shopped on Black Friday last year, 37% did on Cyber Monday, and 32% bought goods on Boxing Day. As retailers, e-commerce businesses, and online sellers aim to grow their bottom lines in the fourth quarter (October to December), now's the time to ensure they have adequate product liability insurance to safeguard their finances from potential losses if something unexpected happens. https://www. zensurance. com/wp-content/uploads/2024/10/Oct-11_Online-Sellers_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Is Product Liability Insurance? Product liability insurancecovers claims alleging third-party bodily injury or third-party property damage caused by any product you manufacture, distribute, or sell. It is recommended coverage for any business owner or online seller who sells, manufactures or distributes a product, including food. For instance, if a customer suffers an allergic reaction from a food product you sell, or if an electronic... --- ### 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. - Published: 2024-10-09 - Modified: 2024-12-10 - URL: https://www.zensurance.com/blog/7-inexpensive-tools-for-small-businesses-to-create-videos - Categories: Small Business Tips - Tags: business insurance, general liability, media liability, professional liability 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. Using video content to market your small business is an innovative and easy way to connect with existing and prospective customers and highlight all the things you do.  With the powerful video capabilities of your mobile device, you have the potential to significantly enhance your digital marketing efforts. Why not harness this potential and connect with your audience in a more engaging way? By leveraging yourwebsite,social media accounts,Google My Businessprofile, andemail marketing, you've already established a strong digital presence. Now, imagine the possibilities of expanding this footprint further with the addition of video content. For small business owners and self-employed professionals on tight budgets, there are plenty of options available for creating engaging videos with minimal effort and cost. https://www. zensurance. com/wp-content/uploads/2024/10/Oct-9_Small-Business-Video-Tools_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesHere are 7 options to try:1. Canva Canvais a graphic design platform that provides tools for creating social media graphics, videos, advertisements, and presentations. It offers paid and free versions, each featuring easy-to-use video creation templates, editing tools, and a vast media library. 2. InShot InShotis a mobile app designed to make video editing, trimming, and adding music, text, and filters easy. It’s ideal for Instagram, TikTok, and creating short promotional videos. The free version allows you to experiment with and use it, or you can upgrade to the paid version for access to additional features. 3. Wondershare Filmora Wondershare Filmorais a video editing platform that offers user-friendly editing with drag-and-drop features, templates, and effects. It’s worthwhile to use when making YouTube... --- ### 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. - Published: 2024-10-07 - Modified: 2024-10-07 - URL: https://www.zensurance.com/blog/fire-prevention-week-2024-how-to-protect-your-small-business-from-fires - Categories: Insurance, Small Business Tips - Tags: business fire insurance, commercial property, fire insurance, fire prevention 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. Fire is a prominent threat to Canadian small businesses and communities throughout the year. For business owners with commercial properties, the risk is heightened. A fire can quickly destroy property, inventory, equipment, and force your business to close for weeks or months for repairs. October 6 to 12 is Fire Prevention Week in Canada. This year’s campaign theme is “Smoke alarms: Make them work for you”. That’s noteworthy, but in addition to ensuring the smoke alarms in your office, warehouse, or store are working properly, there are other steps business owners can take to reduce the threat of fire damage to their properties. Fromprotecting your property from wildfiresto reducing your company’selectrical fire risks, among the measures your business should take is ensuring your commercial property insurance policy includesbusiness fire insurance. https://www. zensurance. com/wp-content/uploads/2024/10/Oct-7_Fire-Prevention_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesHere are 12 recommendations for business property owners to consider to try to minimize the threat of fire damage:1. Install and Check Fire, Smoke, and Carbon Monoxide AlarmsYour business property should have functioning fire, smoke, and carbon monoxide alarms that are regularly tested and maintained. Smoke and fire alarms should be installed in areas like kitchens, storage rooms, and near electrical panels. 2. Test and Maintain Fire Sprinkler SystemsIf you don’t have a sprinkler system installed inside your commercial property, it’s worthwhile getting one installed. These systems automatically activate if a fire ignites and help control or extinguish it before it spreads. If you have a sprinkler system, conduct regular maintenance... --- ### How Plumbers Can Get Low-Cost Insurance to Work in High Rises > High-rise plumbers working in individual units are responsible for installing or repairing complex plumbing systems. Get the lowdown on getting the coverage you need, avoiding accidents, and keeping your premium low. - Published: 2024-10-04 - Modified: 2024-10-04 - URL: https://www.zensurance.com/blog/how-plumbers-can-get-low-cost-insurance-to-work-in-high-rises - Categories: Insurance - Tags: plumbers insurance, plumbing insurance, professional liability, professional liability contractors, skilled trades High-rise plumbers working in individual units are responsible for installing or repairing complex plumbing systems. Get the lowdown on getting the coverage you need, avoiding accidents, and keeping your premium low. Plumbers working in individual units in high-rise residential or commercial buildings, whether those buildings are new builds, in the process of being built, or are older buildings, need specialized liability insurance to protect them from financial losses. High-rise plumbers face unique challenges in their work environments, which are distinct from other job sites or properties, such as homes and low-rise office buildings. Understanding these challenges is the first step towards ensuring your safety and the safety of others, as well as keeping your insurance premiums low.  High-rise plumbers are responsible for installing or repairing complex plumbing systems. There are a host of intricacies related to your work, from interpreting building blueprints and conforming with strict building regulations to addressing water supply and waste disposal systems. A comprehensive plumbing insurance policy is vital for getting hired to do this work and protecting your financial wellness. This brief guide will explore what high-rise plumbers need to know to make informed decisions about the liability insurance they need. https://www. zensurance. com/wp-content/uploads/2024/10/Oct-4_Plumbers_Linkedin-Newsletter-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Type of Insurance Do Plumbers Need? A comprehensive policy for plumbers working in high-rise units typically includes the following types of coverages: General Liability Insurance Frequently referred to as plumbers’ liability insurance, general liability insurance offers you financial protection against claims or lawsuits alleging third-party property damage or third-party bodily injuries caused by your work.   Tools and Equipment Insurance The tools and equipment you own and use are expensive and critical to your... --- ### Celebrating Small Business Month Canada 2024 > Canada Small Business Month - October 2024. To celebrate, we've gathered a list of business resources, and opportunities to advantage. - Published: 2024-10-02 - Modified: 2024-10-02 - URL: https://www.zensurance.com/blog/small-business-month - Categories: Small Business Tips 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. Beyond the vibrant autumn hues of red and gold leaves, October in Canada means many things, and it carries great significance for the small business community – it's Small Business Month! This month-long celebration is a testament to the entrepreneurial spirit that fuels our country's economy and local communities. Whether you call it Small Business Month or Small Business Week, the month of October is when Canadian small businesses are recognized and celebrated nationwide for their entrepreneurship, resilience, and collective contribution to our country’s success.  Small Business Month encapsulates the heart and soul of Canada's entrepreneurial spirit, from job creation to fostering innovation. This annual celebration stands as a testament to the invaluable contributions of small businesses to Canada's economy and local communities.   After all, government data shows Canuck small businesses (those with one to 99 employees) comprised 98% of all employer businesses, employing more than 10 million people. Furthermore, small businesses contribute an estimated 36. 7% toCanada’s gross domestic product. https://www. zensurance. com/wp-content/uploads/2023/10/Oct-2_Celebrate-Small-Business-Month_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesIn the spirit of Small Business Month, we've compiled a list of resources that Canadian small business owners, entrepreneurs, and early-stage startups can explore to grow their entities and thrive. These resources cover a wide range of topics, from learning and growth to financial support and risk mitigation. Learning Resources for Canadian Small BusinessesBelow is a short list of learning and growth resources for small businesses, entrepreneurs, and startups: Startup Canadahelps early-stage startups and entrepreneurs connect with industry experts, peers,... --- ### 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. - Published: 2024-09-30 - Modified: 2024-10-08 - URL: https://www.zensurance.com/blog/what-small-businesses-need-to-know-about-cyber-insurance - Categories: Cybersecurity, Insurance - Tags: cyber insurance, cyber liability insurance, cybersecurity 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. Protecting your data and online presence has always been important for small business owners and independent professionals, but an argument can be made that it’s never been more critical. October isCybersecurity Awareness Monthin Canada. Communications Security Establishment Canada leads the annual federal government campaign, which aims to inform Canadians about steps to take to protect themselves online and highlight the importance of cybersecurity.  Of course, cybersecurity should be a year-round focus for small businesses and self-employed professionals. There are many reasons why, including:https://www. zensurance. com/wp-content/uploads/2024/09/Sept-30-Cyber-Insurance_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories According to theCanadian Anti-Fraud Centre (CAFC), there have been over 150,000 reports of fraud in Canada, with over $600 million stolen since January 2021. CAFC notes it received over 63,000 reports of online fraud resulting in $569 million in losses in 2023, and a total of $284 million has been lost to fraud so far in 2024. Artificial intelligence (AI) is projected to make cyber threats a greater risk in the months and years ahead. The Canadian Security Intelligence Service (CSIS), Canada’s foreign intelligence service and security agency, reports AI systems can collect, process, analyze, and store significant volumes of data. If a system is hacked or a security breach occurs, this can easily be stolen, manipulated, and extorted for nefarious purposes. Sophos, a cybersecurity provider,reports that ransomware attacks continue to pose a significant threat to Canadian organizations. In 2023, 59% of organizations were hit, and the average demand from attackers was $2 million (94% of initial ransom... --- ### Understanding Business Interruption Insurance Before Winter Hits > Winter weather can force you to close for a few days (or worse) unexpectedly. That’s why now’s the time to give business interruption insurance thought. Here are your options and how business interruption coverage can protect your income if forced to close temporarily. - Published: 2024-09-27 - Modified: 2024-09-27 - URL: https://www.zensurance.com/blog/understanding-business-interruption-insurance-before-winter-hits - Categories: Insurance - Tags: business insurance, business interruption Winter weather can force you to close for a few days (or worse) unexpectedly. That’s why now’s the time to give business interruption insurance thought. Here are your options and how business interruption coverage can protect your income if forced to close temporarily. Winter (sigh! ). It's a season we all know is coming, and for small business owners, it's essential to be prepared for the challenges that Canadian winters bring. Frigid temperatures, ice, and snow storms can disrupt normal operations, making preparedness a necessity. According to the Farmers’ Almanac, we should expect below-normal temperatures from east of the Rockies to Ontario. Winter temperatures are predicted to be the coldest from the Prairies to the Great Lakes region, and B. C. is forecast to be unseasonably chilly. The Maritimes are expected to experience above-normal temperatures, and the outlook for Newfoundland and Labrador is some snow, but it’ll be wet, mushy, and slushy.  Whichever province your business is in, nasty winter weather can force you to close unexpectedly for a few days (or worse). That’s why now’s the time to give business interruption insurance thought. It’s coverage that’s designed to get you through days or weeks of forced closure due to inclement weather and other events beyond your control. Let’s dig into how it works. https://www. zensurance. com/wp-content/uploads/2024/09/Sept-27-Interruption-Insurance_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Is Business Interruption Insurance? Business interruption insurancecan cover losses resulting from an insurable event, such as a fire, water damage, theft, vandalism, or a natural disaster. That includes scenarios like a heavy snowfall causing blackouts and making driving impossible. It’s intended to replace a business's earnings or lost profits and overhead costs required to keep your business operating, including rent or mortgage payments, loan payments, utility bills, and... --- ### What Type of Insurance Does a Hairstylist Need? > Stylists are not immune to making mistakes, accidentally injuring customers, or a salon or barber shop being damaged by fire, water, or a break-in. Here’s how hairstylists can protect their finances, business contents, and careers. - Published: 2024-09-25 - Modified: 2024-09-25 - URL: https://www.zensurance.com/blog/what-insurance-does-a-hairstylist-need - Categories: Insurance - Tags: barber insurance, beauty insurance, hairstylist insurance, professional liability Stylists are not immune to making mistakes, accidentally injuring customers, or a salon or barber shop being damaged by fire, water, or a break-in. Here’s how hairstylists can protect their finances, business contents, and careers. Some may say it doesn’t matter if your life is perfect as long as your hair colour is.  However, for hairstylists, if a customer is upset with the cut and colour job you give them, they could allegeprofessional negligenceagainst you or, worse,sue you for damages. Whether you’re an independent hairdresser, hairstylist, or barber, or the owner of a salon or barber shop, you’re not immune to the risk of making a mistake, accidentally injuring a customer and being sued, or your salon or barber shop being damaged by fire, water, or a break-in.  That’s why investing in a comprehensive hairstylist insurance policy is wise to protect your finances and career. Let’s comb through what you need to know to make an informed decision. https://www. zensurance. com/wp-content/uploads/2024/09/Sept-25-Hairstylist_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Liability Risks Do Hairstylists Face? As a hairstylist, you aim to transform your customers’ lives by making them look beautiful and feel more confident. You may not be able to change the world, but you can change your customers’ hair and help them shine. But, sometimes, things don’t always go as you expect despite your best efforts. Hairstylists face several liability risks that can damage their finances and reputations. Among the most common risks hair professionals face include: Accidental Injuries to Customers Slip and fall accidents are quite common on business properties at any time of the year, and they can be costly to deal with – a Zensurance survey found that almost70% of Canadian consumers... --- ### Business Liability: What You Need to Know Before Hosting Fall Events > Hosting an event or gathering this fall to increase your sales? Check your liability insurance coverage to ensure it adequately covers your risks. You might need special event insurance to safeguard your finances. Here’s what to know. - Published: 2024-09-20 - Modified: 2024-09-20 - URL: https://www.zensurance.com/blog/business-liability-what-you-need-to-know-before-hosting-fall-events - Categories: Insurance - Tags: event liability insurance, general liability insurance Hosting an event or gathering this fall to increase your sales? Check your liability insurance coverage to ensure it adequately covers your risks. You might need special event insurance to safeguard your finances. Here’s what to know. Fall is when mornings are as crisp and golden as an apple, and everything in nature bursts with beauty as a last hurrah before winter arrives. The first day of fall (or autumn) is September 22, and it marks a terrific time to host a festival, event, or seasonal promotion to woo customers into your business and drive more sales. But before you do, it’s wise to reflect on yourliability insurancecoverage to ensure it’s adequate to cover any possible accidents that injure customers or damage their property. In some cases, purchasingspecial event insuranceto cover your fall event may be advisable. Let's review why. https://www. zensurance. com/wp-content/uploads/2024/09/Sept-20-Fall-Events_Blog-Image. png https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Liability Risks Do Small Businesses Face When Hosting a Fall Event? Whenever hosting a temporary event or promotion to increase people traffic and sales in the fall or any time of year, it’s wise to consider your business’s liability risks that could result in expensive claims and possibly lead to a lawsuit. Among the risks you should consider are: Slips, Trips, and Falls We all know fall weather can be wet and produce early frost. Fallen leaves scattered about (especially outdoors) can make for slippery conditions, increasing the possibility of a customer or passerby falling and suffering an injury on your property or where the event is held. You can be liable for third-party bodily injuries to others on your premises or at your event. Food and Beverage Risks If you serve food and beverages,... --- ### What Type of Insurance Does a Freelance Writer Need? > Some things are more frightening than a spell of writer’s block or the anxiety of initiating a first draft of any content. Freelance writers, copywriters, and authors face many liability risks that could devastate them financially. Here’s how writers can protect themselves. - Published: 2024-09-18 - Modified: 2024-09-18 - URL: https://www.zensurance.com/blog/what-type-of-insurance-does-a-freelance-writer-need - Categories: Insurance - Tags: cyber liability, Freelance writer insurance, general liability, professional liability, writers and authors insurance Some things are more frightening than a spell of writer’s block or the anxiety of initiating a first draft of any content. Freelance writers, copywriters, and authors face many liability risks that could devastate them financially. Here’s how writers can protect themselves. It’s been said in writing that the scariest moment is always before you start. Any freelance writer knows this well, whether drafting a blog article, essay, content for an advertisement, or a book. However, some things are more frightening than a spell of writer’s block or the anxiety of initiating a first draft of any content. For example, getting sued for defamation, an allegation of copyright infringement, an accident that damages your laptop, or a cyber-attack that results in your work being erased or compromised. Every freelance writer or author should have a customizedwriters and authors insurancepolicy to help them recover quickly in such circumstances. Read on to understand why. https://www. zensurance. com/wp-content/uploads/2024/09/Sept-18-Freelance-Writer_Blog-Image. png https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Liability Risks Does a Freelance Writer Face? There are many risks freelance writers,copywriters, and authors face, and some of those risks may be heightened by usingartificial intelligence (AI) tools. Here are eight common liability risks a freelance writer or author faces:1. Copyright InfringementCopyright infringement occurs when a writer uses content protected by copyright in a way that violates rights granted inCanada’sCopyright Act.  There are two types of copyright infringement: direct infringement and indirect infringement. For example, copying or publicly communicating a copyrighted work (all or a substantial part) without authorization is considered direct infringement. Indirect infringement involves using someone else’s work without their consent, which you know or should have known infringes on their rights, but you sell or distribute it anyway. 2. DefamationDefamation involves the act of... --- ### Everything an Amazon Seller Needs to Know About Insurance > New and experienced Amazon sellers in Canada have particular business insurance needs. Amazon requires some sellers to have insurance. Get an overview of the coverages you should have to protect your finances and how they can help when problems arise. - Published: 2024-09-16 - Modified: 2024-09-16 - URL: https://www.zensurance.com/blog/everything-an-amazon-seller-needs-to-know-about-insurance - Categories: Insurance - Tags: Amazon seller insurance, general liability insurance, product liability insurance New and experienced Amazon sellers in Canada have particular business insurance needs. Amazon requires some sellers to have insurance. Get an overview of the coverages you should have to protect your finances and how they can help when problems arise. According to Amazon Canada, more than 80,000 Canadian Amazon sellers were using its third-party marketplace to sell goods as of 2021. Most of these third-party sellers are small businesses but tens of thousands are individual sellers who use the platform either as a lucrative side hustle or an integral part of their usual business operations. Whether you’re an independent Amazon seller or a small business owner that utilizes the site as part of your company’s overall e-commerce strategy, or if you’re on the cusp oflaunching an Amazon businessfor the first time, it’s vital to haveAmazon sellers insuranceto protect your finances and cover your liability risks. For some sellers, it’s a requirement. Since 2021, Amazon Canada requires all Amazon sellers with Pro Merchant accounts earning $10,000 per month in sales to carry liability insurance with a minimum coverage limit of $1 million per occurrence and in aggregate. Amazon Canada requires its sellers with gross sales of $10,000 per month to carry insurance to limit the financial risks associated with selling goods on their platform that cause third-party bodily injuries or third-party property damages to your customers caused by the items you sell. https://www. zensurance. com/wp-content/uploads/2024/09/Sept-16-Amazon-Seller_Blog-Image. png https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesEven if you don’t earn $10,000 monthly in sales on the Amazon Canada marketplace, every Canadian Amazon seller should have business insurance to protect themselves from unexpected accidents or claims against them. A single claim or lawsuit against you could cost you tens of thousands of dollars if you... --- ### 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. - Published: 2024-09-13 - Modified: 2024-09-13 - URL: https://www.zensurance.com/blog/preparing-your-business-vehicle-for-autumn-and-winter - Categories: Small Business Tips - Tags: commercial auto insurance 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. As the summer fades in the rearview mirror, it's crucial for every business vehicle owner to proactively prepare their wheels for the impending wet and wintry weather. Preparing your ride for the fall and winter can increase its reliability and performance during harsh weather conditions. Icy roads, freezing temperatures, and reduced visibility while behind the wheel increase the risk of accidents and breakdowns.  Getting your ride ready for what’s to come cannot only help keep yourcommercial auto insurancepremium low but also reduce the possibility of being involved in an accident, saving you potential repair and replacement costs. https://www. zensurance. com/wp-content/uploads/2024/09/Sept-13-Comm-Auto_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 10 Tips for Getting Your Business Vehicle Ready for Fall and WinterWe recommend you get your business vehicle serviced by a certified automotive technician. Regardless, here are 10 things you can do to ensure your car, SUV, pickup, or van is ready for the wintry road ahead:1. Inspect Belts and HosesIf the belts or hoses under the hood are cracked, fraying, worn out, or leaking, replace them. Failing belts and hoses can lead to engine failure or damage and potentially leave you stranded at the side of the road. 2. Check All Fluid LevelsEnsure all the fluids in your vehicle are topped up. Check the windshield washer fluid and use washer fluid designed for the winter. Also, check the brake, coolant, power steering, and transmission fluids to ensure they’re at the appropriate levels. 3. Get Winter Tires InstalledFrom November 1 to April 30... --- ### What Type of Insurance Does a SaaS Business Need? > Countless companies subscribe to Software-as-a-Service (SaaS) providers to develop, host, and manage the software solutions they need. However, with that opportunity and responsibility come significant liability risks. Here’s what SaaS providers need to know to protect their assets. - Published: 2024-09-11 - Modified: 2024-09-11 - URL: https://www.zensurance.com/blog/what-type-of-insurance-does-a-saas-business-need - Categories: Insurance - Tags: ecommerce insurance, general liability, SaaS insurance, technology insurance Countless companies subscribe to Software-as-a-Service (SaaS) providers to develop, host, and manage the software solutions they need. However, with that opportunity and responsibility come significant liability risks. Here’s what SaaS providers need to know to protect their assets. Much of the business world runs on software, and countless companies subscribe to Software-as-a-Service (SaaS) providers for access to the software applications they need over the internet as a service rather than as traditional on-premises software that is installed on computers or servers. SaaS providers develop, host, and manage software, giving users flexibility for the software they need to run their businesses by reducing their costs such as paying for extensive IT infrastructure to manage various platforms on their own. From cloud computing and databases to productivity applications and customer relationship management tools, SaaS-based solutions can scale to accommodate growing businesses based on a subscription model. According to Statista, revenue in the Canadian SaaS market is projected to reach US$8. 63 billion in 2024 and show an annual growth rate of 19. 57% through 2029. It’s safe to say the demand for SaaS providers of all varieties will continue to climb. https://www. zensurance. com/wp-content/uploads/2024/09/Sept-11-SaaS-Business_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesHowever, SaaS providers face significant liability risks that require a customizedtechnology insurancepolicy to safeguard their finances from customer claims, regulatory fines, or breach of service level agreements (SLAs) with their customers. Let’s explore why. What Liability Risks Do SaaS Providers Face? Because of the data they manage and the nature of their services, SaaS providers face several liability risks, including: Cybersecurity Incidents Among the greatest threats to SaaS providers are data breaches and cyber-attacks. SaaS providers can be liable forcybersecurity incidentsthat affect their customers, especially if confidential customer information is... --- ### 5 Common E&O Insurance Claims > Anyone can make a mistake. But if you make one that leads to a customer allegation of professional negligence, poor work, or financial losses, you'll wish you had errors and omissions (E&O) insurance. Here are five real E&O claims our clients experienced. - Published: 2024-09-09 - Modified: 2024-09-09 - URL: https://www.zensurance.com/blog/5-common-eo-insurance-claims - Categories: Insurance - Tags: business property, commercial insurance, commercial property, customer liability, general liability insurance, gl, premises liability insurance, small business insurance, umbrella insurance, vacant property, yoga Anyone can make a mistake. But if you make one that leads to a customer allegation of professional negligence, poor work, or financial losses, you'll wish you had errors and omissions (E&O) insurance. Here are five real E&O claims our clients experienced. Making mistakes, giving the wrong advice, or neglecting to do something you told a customer you would can damage your reputation and prove costly. Especially if that mistake, error, or oversight causes one of your customers financial or reputational harm. If it does, you may be liable for their losses, and they could sue you for thousands of dollars. Contrary to popular belief,Canadian consumers wouldn't hesitate to sue a small business owneror independent professional if they felt wronged in some way. And while anyone can make a mistake, if you make one that leads to an allegation ofprofessional negligenceor a poor work claim against you, you’ll wish you had errors and omissions (E&O) insurance to help deal with the ramifications. https://www. zensurance. com/wp-content/uploads/2024/09/Sept-9-EO_Blog-Image. png https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesAlso known as professional liability insurance,E&O insurancecovers customer claims against you alleging financial or reputational losses due to a service you provided and lawsuits alleging misconduct, negligence, errors, omissions, and failure to deliver services as promised. Here are five real-life E&O insurance claims our clients experienced and how their insurance helped them recover quickly:1. Travel Agent E&O ClaimOne of our policyholders is a travel agent. While one of their customers was on vacation, their return flight time changed, and the travel agent missed the notification. As a result, they did not inform their customer of the change to their return flight. It cost their customerover $3,000to catch a flight home, so they sent a letter to the travel agent demanding... --- ### 5 Must-Have Insurance Coverages for Subcontractors > For professionals who earn the bulk of their income as a subcontractor, getting a customized subcontractor insurance policy is not only wise, it’s an investment in your financial health and career. Here are five coverages every subcontractor should have. - Published: 2024-09-06 - Modified: 2024-09-16 - URL: https://www.zensurance.com/blog/5-must-have-insurance-coverages-for-subcontractors - Categories: Insurance - Tags: business property, commercial insurance, commercial property, customer liability, general liability insurance, gl, premises liability insurance, small business insurance, umbrella insurance, vacant property, yoga For professionals who earn the bulk of their income as a subcontractor, getting a customized subcontractor insurance policy is not only wise, it’s an investment in your financial health and career. Here are five coverages every subcontractor should have. Skilled tradespersons who make a living as subcontractors are always in demand. For many professionals, it's a terrific way to apply their knowledge and expertise and contribute to a building or renovation project. The best part? You get to choose the projects you want to do, giving you a sense of control and independence. For professionals who earn the bulk of their income as subcontractors, getting a customized subcontractor insurance policy is not only wise but also an investment in their financial health and future careers. It provides a sense of security and peace of mind, knowing that you're protected in case of unforeseen events.   A subcontractor without insurance can face various legal, financial, and professional consequences, as well as difficulty landing jobs from a general contractor or others. https://www. zensurance. com/wp-content/uploads/2024/09/Sept-6-Subcontractor_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesThat’s why every subcontractor needs to consider these five types of insurance to cover unexpected accidents and incidents and ensure they can continue to thrive:1. General Liability Insurance General liability insurancecovers third-party bodily injuries and third-party property damages caused by your work, whether an accident or due to negligence. For example, if a customer trips over an extension cord or one of your tools while you’re working at their location and is injured, general liability insurance is designed to pay for their medical and rehabilitation expenses.  2. Professional Liability InsuranceAlso called errors and omissions (E&O) insurance,professional liability insuranceprotects you from allegations or claims ofprofessional negligence, poor workmanship or advice, misconduct, mistakes, and... --- ### What’s the Difference Between Premises Liability Insurance vs General Liability Insurance? > Do you need premises liability insurance or general liability coverage? Here’s how to know which one is best for you. - Published: 2024-09-04 - Modified: 2024-09-04 - URL: https://www.zensurance.com/blog/whats-the-difference-between-premises-liability-insurance-vs-general-liability-insurance - Categories: Insurance - Tags: business property, commercial insurance, commercial property, customer liability, general liability insurance, gl, premises liability insurance, small business insurance, umbrella insurance, vacant property, yoga Safeguarding your business’s financial wellness and being prepared to cover unexpected accidents and damages on or off your business property requires insurance. Find out if you need premises liability or general liability insurance. Protecting your company from expensive risks and liabilities should be a key consideration and a significant portion of your overall risk management strategy. A comprehensive business insurance policy not only provides financial protection but also offers peace of mind, serving as the foundation of your risk management strategy.  However, a recent Zensurance survey of 1,000 Canadian small business owners found 33. 6% of respondents don’t have commercial insurance. When we asked these uninsured business owners how they’d pay for unexpected damages and losses, 22% said they had enough money saved to cover the costs, followed by:https://www. zensurance. com/wp-content/uploads/2022/06/Sept-4-Premises-Liability-Insurance_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 15. 7% would try to get a loan from a financial institution 11. 2% don’t know what they’d do 10. 8% don’t believe there is a potential for expensive losses or damages to their businesses 8. 6% would try to borrow money from family or friends 7. 5% would declare bankruptcy 4. 9% would sell their businesses None of these perspectives is a practical plan to safeguard their financial wellbeing. Resolving even one legal dispute, accident, or injury to a customer or other third party could cost tens of thousands of dollars. Let’s face it: there are downsides to owning a business. Any number of things can go sideways unexpectedly, and as the business owner, the onus is on you to deal with those situations, such as: A customer or delivery person visiting your store or office stumbles over uneven carpeting or flooring and tumbles... --- ### How to Write a Snow Removal Contract > Gearing up for the winter and inking customers to your snow removal contracts should be in full swing well before the chilly weather descends. See our tips for things your snow removal contracts may need to include for commercial and residential properties. - Published: 2024-08-30 - Modified: 2024-11-28 - URL: https://www.zensurance.com/blog/how-to-write-a-snow-removal-contract - Categories: Small Business Tips - Tags: contractor, heavy equipment, inland marine, tools and equipment, tradesman Gearing up for the winter and inking customers to your snow removal contracts should be in full swing well before the chilly weather descends. See our tips for things your snow removal contracts may need to include for commercial and residential properties. As you get ready for the winter ahead by offering your business’s snow removal services to your customers, you’ll want to be prepared to have them sign a contract.  However, many components are involved in a snow removal contract, and there are different types of snow removal contracts. While it's possible to download a pre-drafted snow removal contract from various websites for free, we strongly advise seeking legal counsel for the drafting and reviewing of your customer contracts. This precaution is essential to ensure your business is protected, as the adage ‘you get what you pay for’ rings true, especially when it comes to legal matters. Below are a few key points to remember when structuring your customer contracts. Clear and concise terms will not only define your scope of services but also prevent misunderstandings or disputes, and ensure timely payments, thereby instilling confidence in your customers and fostering the growth of your business. https://www. zensurance. com/wp-content/uploads/2024/08/Aug-30-Snow-Removal-Contract_Blog-Image-1. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts What Should a Snow Removal Contract Include? Typically, there are a number of components that a snow removal customer contract should include, such as: Who’s Involved: The contract must clearly state your business information and your customer’s information, including full company or legal names, phone numbers, email addresses, and the address where your snow removal services will be performed. A Description of the Property: Provide an in-depth description of the property where your snow removal services will be conducted. Detail specific areas on that property where snow... --- ### What Is Inland Marine Insurance? > If your business is shipping high-end, expensive equipment or products over land, you should protect them with inland marine coverage. Get an overview of what it is and find out if your small business needs it. - Published: 2024-08-28 - Modified: 2024-08-28 - URL: https://www.zensurance.com/blog/what-is-inland-marine-insurance - Categories: Insurance - Tags: contractor, heavy equipment, inland marine, tools and equipment, tradesman If your business is shipping high-end, expensive equipment or products over land, you should protect them with inland marine coverage. Get an overview of what it is and find out if your small business needs it. The name may be confusing, but inland marine insurance has nothing to do with sailing or transporting goods over water. It covers goods and equipment when transported over land by rail or truck, materials you will use at a job site, or when temporarily storing goods or materials in a third-party warehouse while en route to their destination. Whereas cargo insurance covers goods you ship by land, air, or sea, inland marine insurance – sometimes called heavy equipment insurance or tools and equipment insurance – is designed to cover high-end, expensive equipment or products that are being transported by land to protect them from three of the most common causes of damage or loss: theft, vandalism, and damage from collisions. https://www. zensurance. com/wp-content/uploads/2022/09/Aug-28-Inland-Marine-Insurance_Blog-Image. pngInland marine insurance covers damage, loss, or theft of goods and materials or equipment in transit by truck or train over land. It also protects your goods if temporarily warehoused at a third party’s location before reaching their intended destination. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related PostsThis type of coverage is purchased by business owners to protect expensive items in transit, such as valuable artwork, computer servers and other electronics, construction equipment, or scientific and medical equipment. It can be added to an existing business insurance policy or purchased as a separate policy. Inland marine insurance does not cover your business contents at your commercial property (commercial property insurancecovers that). It also doesn’t cover vehicles used for business (you’ll needcommercial auto coverage), damage or loss that occurs to... --- ### 40 Side Hustles to Make Money in 2024 > In addition to making extra income, a side hustle is a testing ground to try out a new idea before jumping headlong into starting a business. Looking for inspiration? Here are 40 side job ideas to consider. - Published: 2024-08-26 - Modified: 2024-08-26 - URL: https://www.zensurance.com/blog/side-hustle-ideas - Categories: Small Business Tips, Startup Tips - Tags: business startup, startup In addition to making extra income, a side hustle is a testing ground to try out a new idea before jumping headlong into starting a business. Looking for inspiration? Here are 40 side job ideas to consider. https://www. zensurance. com/wp-content/uploads/2024/02/HP_Hero_V1_Plain-Bubbles_desktop. svgConsidering a side hustle? It could be the perfect solution to boost your income alongside your full-time job, offering you financial stability and the opportunity to explore your entrepreneurial spirit. A side hustle, or side job, is a way to earn extra income outside of your full-time job. It’s often called “gig work” -- when people are hired temporarily or through short-term freelance jobs to perform tasks or services online and offline. According to a report from H&R Block Canada, an estimated 28% of Canadians (about 9 million people) have a side hustle in 2024, up from 13% of Canadians who reported they did in 2022. In addition to making extra income, a side hustle can be a platform for personal growth and skill development. It's a testing ground to try out a new idea before jumping headlong into starting a business full-time or a way to monetize doing something you already do that you love. The potential for growth and development can be a powerful motivator to start a side hustle.  Regardless, bear in mind engaging in a side hustle could impact your taxes, so keeping accurate financial records of your self-employed income is important. If you earn more than $30,000 annually with a side hustle, you may be required to register for and collect GST or HST to remit to the government. Speak to a tax professional or accountant to ensure you report and pay your taxes correctly and on time. It’s also wise to... --- ### 8 Things to Do If Your Tools Are Stolen > Knowing tools and equipment theft has almost become a national sport, every contractor and construction professional needs to take action to protect themselves and their gear. Here’s what you should do before and after your tools are stolen. - Published: 2024-08-23 - Modified: 2024-08-23 - URL: https://www.zensurance.com/blog/8-things-to-do-if-your-tools-are-stolen - Categories: Insurance, Small Business Tips - Tags: contractor, contractor insurance, small business insurance Knowing tools and equipment theft has almost become a national sport, every contractor and construction professional needs to take action to protect themselves and their gear. Here’s what you should do before and after your tools are stolen. Theft of tools, equipment, and raw materials from construction sites across Canada is, unfortunately, a common occurrence. The estimated annual losses, ranging from $46 million to $1 billion, underscore the widespread nature of this issue. These figures encompass thefts of everything from handheld tools to heavy machinery and equipment. There are countless examples of these documented crimes, including thousands of dollars worth ofhigh-end tools stolen from a contractorin Kelowna, B. C. Among the most common items thieves target are portable power tools, construction vehicles, materials like copper wiring and lumber, and laptops and GPS devices from job sites. Knowing tools and equipment theft has almost become a national sport, every contractor and construction professional needs to take action to protect themselves and their gear. Here are eight things to do before and after your tools and equipment are stolen:https://www. zensurance. com/wp-content/uploads/2024/08/Aug-23-Stolen-Tools_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 1. Create a Contents Inventory List Create and keep an updated detailed listof your tools and equipment inventory and business contents. Include photos of each item, serial numbers, and their values. Doing so can increase the chances of the police recovering them and help expedite any insurance claim you file with your broker or insurer. 2. Document the LossDocument the stolen tools, including purchase receipts, photos, and serial numbers, as well as a description and photos of where they were stolen from – a storage locker, vehicle, job site, or your shop – and document the damage to the locker, vehicle, or... --- ### What Type of Insurance Do Window Cleaners Need? > Given the high-demand nature of the industry and the often significant heights at which window cleaners work, the need for a comprehensive insurance policy cannot be overstated. Here’s what you should know. - Published: 2024-08-21 - Modified: 2024-08-21 - URL: https://www.zensurance.com/blog/what-type-of-insurance-do-window-cleaners-need - Categories: Insurance - Tags: insurance broker, small business insurance, update business insurance Given the high-demand nature of the industry and the often significant heights at which window cleaners work, the need for a comprehensive insurance policy cannot be overstated. Here’s what you should know. The window cleaning profession, while in high demand, is not without its risks. The potential for liability perils looms large, posing a threat to both your finances and your career. Given the high-demand nature of the industry and the often significant heights at which work is performed, the need for a comprehensivewindow cleaner insurancepolicy cannot be overstated. It's a crucial shield against the myriad threats your business may face. Let’s delve into why professional window cleaning contractors need liability insurance, what a policy for your profession includes, and most importantly, what proactive steps you can take to minimize the possibility of accidents and damages that could impact your finances. https://www. zensurance. com/wp-content/uploads/2024/08/Aug-21-Window-Cleaners_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories Do Window Cleaners Need Insurance? There are many reasons why professional window cleaners need insurance, including: Coverage for accidental damage to customer properties and injuries to customers and passersby Support to pay for damage or loss of tools and equipment Compliance with provincial regulations and laws Coverage for your business property, inventory, business contents and commercial vehicles To abide by contractual obligations, particularly with commercial customers, that require you to be fully insured What Does a Window Cleaner Insurance Policy Include? A typical window cleaner liability insurance policy may include the following coverages: General liability insurancecovers third-party bodily injury and third-party property damage claims because of your operations. Tools and equipment insuranceprotects your business’s portable tools, ladders and lifts, safety gear, and other equipment if damaged by fire, water, a natural... --- ### 8 Ways to Know If You Should Update Your Business Insurance Policy > Does your existing business insurance adequately cover your risks? Renewing a policy without reflecting on how your small business has changed and updating it accordingly could threaten your finances if you need to file a claim. Here’s how to avoid that scenario. - Published: 2024-08-19 - Modified: 2024-08-19 - URL: https://www.zensurance.com/blog/eight-ways-to-know-if-you-should-update-your-business-insurance-policy - Categories: Insurance - Tags: insurance broker, small business insurance, update business insurance Does your existing business insurance adequately cover your risks? Renewing a policy without reflecting on how your small business has changed and updating it accordingly could threaten your finances if you need to file a claim. Here’s how to avoid that scenario. Many new small business owners or entrepreneurs may not fully grasp the value of their assets or have the right types ofbusiness insurance coverage they need. And year-over-year, they may also renew the first policy they bought without reflecting on how their small business has changed. That could jeopardize their financial wellbeing.  Consider this: what ifsomething goes wrong and you're sued, or if severe weather devastates your place of business, inventory, and equipment? If your existing policy doesn't have the right coverage or sufficientcoverage limits, you could be facing a financial disaster. It's a chilling thought. Such a scenario could expose you, your family, and your employees to financial hardship. Worse, it could end your business by forcing you into bankruptcy. But you are not powerless in this situation. You can take proactive steps to prevent such a tragedy. Start by critically evaluating your insurance coverage and recognizing how you may have outgrown your policy. Here are eight things to consider:https://www. zensurance. com/wp-content/uploads/2022/05/Aug-19-Update-Policy_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 1. You Offer New Products or ServicesOver the past year, you may have expanded, reduced, or changed your products and services. Those new products and services may change your risk exposure and require boosting yourproduct liability insurance. It's worthwhile to talk to a licensed broker about it. 2. You Carry More Inventory to Accommodate a Peak SeasonWith a peak season – like the summer months – you might have more stock to handle the demand. If your business suddenly needs... --- ### How to Become a Landlord in Canada > If you’re entering the residential property rental market now or thinking of doing so soon, your timing couldn’t be better. But know that becoming a landlord and maintaining a rental property is a lot of work. See our guide for how to set yourself up for success. - Published: 2024-08-16 - Modified: 2024-08-16 - URL: https://www.zensurance.com/blog/how-to-become-a-landlord-in-canada - Categories: Insurance, Startup Tips - Tags: landlord If you’re entering the residential property rental market now or thinking of doing so soon, your timing couldn’t be better. But know that becoming a landlord and maintaining a rental property is a lot of work. See our guide for how to set yourself up for success. If you want to increase your income and boost your financial portfolio, becoming a landlord of a residential property is an excellent small business venture. If you’re entering the residential property rental market now or thinking of doing so soon, your timing couldn’t be better. According to Rentals. ca’sJuly 2024 Rent Report, the average monthly rent for all residential properties was $2,185, an increase of 7% from one year ago. However, becoming a landlord and maintaining a rental property is a lot of work, and first-time landlords have much to prepare for before advertising to tenants. We’d be remiss if we didn’t mentionthat landlords face many liability risksthey must consider and prevent by taking proactive measures. Whether you’re renting a secondary residence, such as a house or condo, a basement apartment orroom in your primary residence, or a space in arooming house, protecting your finances with a comprehensivelandlord insurancepolicy is critical. In this guide, we’ll provide you with seven things every first-time residential property landlord should do before renting their digs:https://www. zensurance. com/wp-content/uploads/2024/08/Aug-16-Landlord_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 1. Know the Tenant Laws and Regulations in Your ProvinceKnow the laws and regulations in your province and municipality, including safety codes, tenant rights, and your responsibilities as a landlord. Each province has laws governing rent increases, dispute resolutions, and evictions. The following links provide information on landlord and tenant rights and responsibilities in each province: Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Nova Scotia Ontario Prince Edward... --- ### Snow Removal Insurance: What You Need To Know This Winter > See our tips for getting ready for the season ahead and keeping your snow removal insurance premium low. - Published: 2024-08-14 - Modified: 2024-11-28 - URL: https://www.zensurance.com/blog/snow-removal-insurance-what-you-need-to-know-this-winter - Categories: Insurance - Tags: contractors, snow removal, snow removal insurance Securing the right coverage to protect high-risk snow removal operations can be difficult. See our tips for getting ready for the season ahead and keeping your premium low. It may be early August, but it won’t be long before the temperature drops and winter will be upon us. The time to get ready for the wintry road ahead for snow removal contractors is now, including securing a comprehensivesnow removal insurancepolicy. However, getting the right coverage to protect your snow removal business and operations from its liabilities can be challenging. A recent Zensurance pollof Canadian small business owners found a combined 51. 7% citedthe cost of business insurance and getting insured as among their top concerns. Let’s review what type of insurance snow removal professionals require, the steps they can take to reduce accidents and injuries, and ways to keep premiums low. https://www. zensurance. com/wp-content/uploads/2019/12/Aug-14-Snow-Removal_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Is Snow Removal Insurance? Also called snowplow insurance or snow removal liability insurance, snow removal insurance is a policy designed to cover the liability and financial risks professional contractors and subcontractors face. Most snow removal insurance policies contain several coverages to address those risks, including:General liability insurancecovers third-party bodily injuries and third-party property damage caused by your operations. Commercial property insuranceprotects your business’s property, office, or warehouse and your business contents and inventory if damaged by fire, water, a natural disaster, theft, or vandalism. Commercial auto insurancecovers damages to your vehicle, other vehicles, or injuries to people if you’re involved in a collision. Tools and equipment insurancerepairs or replaces damaged or stolen transportable tools and equipment. Equipment breakdown insurancecovers paying to repair internal damages to your... --- ### Survey: Small Business Owners Fret Over Inflation But Remain Resolutely Upbeat > Zensurance’s third annual Small Business Confidence Index survey finds inflation is Canadian business owners’ most significant concern for a second year in a row. - Published: 2024-08-12 - Modified: 2024-08-26 - URL: https://www.zensurance.com/blog/survey-small-business-owners-fret-over-inflation-but-remain-resolutely-upbeat - Categories: Insurance, Small Business Tips - Tags: business insurance, survey Zensurance’s third annual Small Business Confidence Index survey finds inflation is Canadian business owners’ most significant concern for a second year in a row. Although most respondents said the economy has had a negative impact on their businesses, almost 70% are confident they will be successful in 2024. Here’s what else is on their minds. According to the third annualZensurance Small Business Confidence Indexsurvey, inflation (58. 6%), the cost of business insurance and getting insured (51. 7%), and what will happen with interest rates (39. 6%) are among the top concerns Canadian small business owners have in 2024.  However, despite these concerns, a majority (69. 9%) are “very confident” (36. 4%) or “somewhat confident” (33. 2%) that their businesses will be successful in 2024, while14. 9%are neutral. A combined15. 5%are “not very confident” (8. 5%) or “not at all confident” (7%). https://www. zensurance. com/wp-content/uploads/2024/08/Aug-12-Survey_Blog-Image. pngWhat’s behind the majority’s upbeat perspective? The answer may lie in how their business revenues have fared in the first half of 2024, with a combined58. 5%saying their revenues have either “soared to new heights” (19. 9%) or “have improved moderately” (38. 6%) compared to 2023. Another22. 3%say their revenues in the first six months of this year are comparable to the same time frame last year, but11. 2%say their revenues have taken a downturn versus 2023, and8%say their revenues have plummeted to their lowest level in five years. And yet, when asked how the current state of the economy has affected their revenues in the first half of 2024, a combined (36. 6%) of this year’s respondents said the economy has had a negative impact on their businesses,26%said it’s had a moderately negative impact, and10. 6%said it’s had a significantly negative impact.  However, 22. 5%of business owners said the economy has had little to no impact on them, and21. 1%said... --- ### 10 Things to Do to Start a General Contracting Business > Thinking of being your own boss and calling the shots? Canada needs more entrepreneurs, but be aware starting a business has its challenges. Here's how to prepare to launch and run a successful contracting business. - Published: 2024-08-09 - Modified: 2024-12-10 - URL: https://www.zensurance.com/blog/10-things-to-do-to-start-a-general-contracting-business - Categories: Insurance, Startup Tips - Tags: construction equipment, contractor Thinking of being your own boss and calling the shots? Canada needs more entrepreneurs, but be aware starting a business has its challenges. Here's how to prepare to launch and run a successful contracting business. Embarking on the journey of starting and running a general contracting business can be not just profitable, but also immensely rewarding and exciting under the right circumstances. However, there's much to consider before you take the leap and strike out on your own. Ultimately, you need to decide if you wish to be in a leadership role, are prepared financially to follow through on your vision, and have a plan to reach your goals. But be practical. Holding onto your day job may be worthwhile and working your startup general contracting business on the side until things get rolling. Before going solo, here are 10 things you need to do or think about to get your business off the ground and ensure it grows:https://www. zensurance. com/wp-content/uploads/2021/11/Aug-9-General-Contracting_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 1. Do Your ResearchFirst and foremost, are you truly ready for this? Being an entrepreneur or business owner is a significant responsibility. It means investing time, energy, effort, and money into every aspect of your general contracting business. Thorough research is key to understanding the industry and being prepared for the challenges ahead.  You need to know everything involved from top to bottom in construction and be responsible for all phases of every project. That includes being your company’s primary salesperson, site project manager, accountant and more. It also means having abusiness continuity plan. So, weigh the pros and cons of taking the leap into self-employment and starting your own company. Then, speak to other general contractors... --- ### 5 Tips for Protecting Your Business Property From Mould > Mould can threaten your business property and human health at any time of the year. Prevention is the best cure to safeguard your premises from it. Here are five ways to do that. - Published: 2024-08-07 - Modified: 2024-08-07 - URL: https://www.zensurance.com/blog/5-tips-for-protecting-your-business-property-from-mould - Categories: Insurance, Small Business Tips - Tags: business property, commercial property Mould can threaten your business property and human health at any time of the year. Prevention is the best cure to safeguard your premises from it. Here are five ways to do that. Mould can threaten your business property and human health at any time of the year. Although its growth inside buildings is common during the months when the humidity is high, it can thrive after heavy rainfalls, in the winter in poorly insulated buildings, and especially in buildings with poor ventilation where moisture accumulates. Prevention is the best cure to safeguard your premises from a mould infestation.  Let’s review how mould forms, how you can prevent it in your place of business, and how business insurance may help if it damages your business property. https://www. zensurance. com/wp-content/uploads/2024/08/Aug-7-Mould-Prevention_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories How Does Mould Form in Buildings and Offices? Mould can form in buildings when moisture gets inside an office or building due to flooding, excess humidity, plumbing leaks, or leaks in a roof or basement.  There are different types of mould, but one of the most commonly recognized variations is black mould. It usually grows on wood, drywall, upholstery, fabric, wallpaper, curtains and drapes, ceiling tiles, carpeting, along window sills, and behind walls. It is a threat to human health and is also expensive and difficult to eliminate. If visible, you can spot mould by looking for stained ceilings, walls, or window sills and staining around plumbing fixtures. Mould may also have a musty, unpleasant odour. To prevent mould contamination at your business property, consider these five tips:1. Balance the humidityThe relative humidity in your workplace should be below 50%. When humidity inside a building is too... --- ### How a Distracted Driving Conviction Affects Commercial Auto Insurance > Get an overview of distracted driving, how to avoid it, the penalties, and how it affects your insurance coverage if you’re convicted of the charge. - Published: 2024-08-02 - Modified: 2024-08-06 - URL: https://www.zensurance.com/blog/how-a-distracted-driving-conviction-affects-commercial-auto-insurance - Categories: Insurance, Small Business Tips - Tags: business vehicle, commercial auto, commercial auto insurance Get an overview of distracted driving, how to avoid it, the penalties, and how it affects your insurance coverage if you’re convicted of the charge. Embracing defensive driving and maintaining a clean driving record is not just a good practice, it's a powerful tool for every driver to keep the cost of vehicle insurance low. For business vehicle owners and drivers, who rely on their vehicles to do their jobs or serve their customers, this proactive approach to safe driving ensures they can get insurance to drive legally. Convictions of major driving offences, such as dangerous driving, excessive speeding, impaired driving, careless driving, and distracted driving, can significantly spike yourcommercial auto insurancepremium or even lead to an insurer cancelling your policy, putting a heavy financial burden on you.  Below, we’ll review what the law regards as distracted driving, the penalties if you’re convicted of the act, and how it affects your insurance premium. We’ll also explore what you can do if you have been convicted of distracted driving and provide tips to avoid it. https://www. zensurance. com/wp-content/uploads/2024/08/Aug-2-Comm-Auto_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Is Distracted Driving? According to theRoyal Canadian Mounted Police, distracted driving is when a diver’s attention is not focused on driving because of other actions they’re doing, such as: Texting or reading emails Engaging in phone calls with a handheld device Using a laptop or tablet computer Eating, drinking, smoking, or vaping Playing with the radio or infotainment system on a vehicle’s dashboard Entering or reading information on a handheld GPS device Talking to passengers Even when you are stopped in traffic or at a red light, in almost all... --- ### 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. - Published: 2024-07-31 - Modified: 2024-07-31 - URL: https://www.zensurance.com/blog/5-common-consultant-insurance-claims - Categories: Small Business Tips, Startup Tips - Tags: claims, commercial property, consultant, E&O insurance, general liability, insurance claim, professional liability 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. The stakes are enormous whenever a professional consultant is hired to work for a client.  Regardless of the industry or the consulting you provide, your clients expect you to have insights they don’t have in-house and be on top of the latest industry trends, best practices, and technological advancements to help them achieve their goals. They expect you to use your problem-solving skills to help them overcome their challenges creatively and innovatively, provide unbiased analysis and fresh perspectives, and deliver actionable solutions with confidentiality and integrity that will improve their profitability. It’s a tall order (you know that better than anyone). It puts you on the line every time while potentially exposing you to many liability risks that may affect your reputation, finances, legal obligations, and professional growth. https://www. zensurance. com/wp-content/uploads/2024/07/July-24-Consultant_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesThat's why having a comprehensiveconsultant insurancepolicy is crucial. This type of policy typically includes professional liability insurance, which covers claims of negligence, errors, or omissions, and general liability insurance, which covers third-party claims of bodily injury or property damage. If you don’t have an office and do not requirecommercial property insurance, it’s worthwhile to include business contents and portable electronics coverage to cover damages to your laptop and other electronic devices. Unfortunately, mistakes, oversights, and other issues can irreparably harm your finances and reputation without insurance. Here are five real-life consultant claims and how business insurance helped a handful of our clients bounce back after facing unexpected problems:1. Sued for NegligenceOne of our... --- ### 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. - Published: 2024-07-29 - Modified: 2024-07-29 - URL: https://www.zensurance.com/blog/blackout-9-power-outage-tips-for-small-business-owners - Categories: Small Business Tips, Startup Tips - Tags: blackout, flood, power outage tips, small business blackout 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. Power outages can occur at any time of year. But they commonly occur during the summer when the demand for electricity to power air conditioners is high or because of severe weather that can knock down power lines.  Handlingunexpected emergenciesand ensuring the continuity of your small business requires thoughtful, in-depth planning. Whether you have a brick-and-mortar location, are an online business, or both, you need to be ready to offset the impact of such events. 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. A long-term blackout could cost your business thousands of dollars in loss or damage. Here are nine things a small business owner can do to prepare for the possibility of a sustained power outage:https://www. zensurance. com/wp-content/uploads/2022/06/July-29-Power-Outage_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 1. Draft a Business Continuity PlanOperating blindly in the dark is not an option. A well-crafted business continuity plancan be your beacon of light during emergencies, including power outages. Share it with your employees so they know what to do if the lights go out. This plan should include a list of emergency contacts and numbers, an evacuation plan and meeting point, and tasks to assign to key employees to perform during an outage. Having this plan in place can provide a sense of security and preparedness for you and your team. 2. Have a First-Aid and Emergency Supplies... --- ### 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. - Published: 2024-07-26 - Modified: 2024-07-26 - URL: https://www.zensurance.com/blog/what-is-first-party-fraud-and-how-can-you-protect-your-business-from-it - Categories: Cybersecurity, Insurance - Tags: cybersecurity, fraud, small business insurance 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. Fraud is not just a rare occurrence, it's a pervasive threat that can cause irreversible damage to small businesses, individuals, and communities. It's a risk that should not be underestimated. According to theCanadian Anti-Fraud Centre, the financial toll of fraud is staggering. In 2023, $569 million in losses were attributed to fraud, and by June 30, 2024, $284 million had already been lost. Fraud is a significant financial risk to organizations of all sizes and industries. Unfortunately, multiple types of fraud can impact small businesses and individuals. Among them is first-party fraud, which can be challenging to detect. According to Mercator Advisors, a payments industry consultancy, first-party fraud costs merchants an estimated US$50 billion annually. Let’s explore what first-party fraud is and what you can do to protect your small business from it:https://www. zensurance. com/wp-content/uploads/2024/07/July-26-First-Party-Fraud_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Is First-Party Fraud? First-party fraud, sometimes called 'friendly fraud,' occurs when a person or organization intentionally deceives a business or institution for financial gain. It's called friendly fraud because the fraudster may be a customer or business partner using their identity rather than stolen credentials.  A couple of examples of first-party fraud are knowingly providing false information or omitting specific details on an application or business contract, or making a purchase with a credit card then disputing the charge or claiming a product they bought was never received to get a refund while keeping the item. It’s different from second-party fraud – when someone knowingly gives their... --- ### 10 Reasons Why You Should Choose a Small Business Insurance Broker > Getting the right insurance to support your small business is vital for safeguarding your finances, but it’s tough to do alone. Partnering with a licensed insurance broker makes a significant difference. Here’s why. - Published: 2024-07-24 - Modified: 2024-07-24 - URL: https://www.zensurance.com/blog/10-reasons-why-you-should-choose-a-small-business-insurance-broker - Categories: Insurance - Tags: cancel policy, find a broker, insurance broker, small business insurance, SME Getting the right insurance to support your small business is vital for safeguarding your finances, but it’s tough to do alone. Partnering with a licensed insurance broker makes a significant difference. Here’s why. Getting a business insurance policy to protect your startup, profession, or thriving small business can be challenging. There’s a lot to consider. On the one hand, you want to find a policy with the lowest annual premium possible. On the other hand, your top priority should be buying a policy that provides you with the adequate protection you need. You could go it alone by calling around or surfing insurance company websites to get a quote, but that is time-consuming and can be overwhelming. Especially if you're unsure what coverages you genuinely need or if you don't understandcommon insurance terms. Let's face it, insurance policies aren't always easy to read and grasp. But with a broker, you can breathe a sigh of relief as they handle these complexities for you. https://www. zensurance. com/wp-content/uploads/2022/11/July-22-Choose-Broker_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesThat’s why working with a licensed insurance broker makes a significant difference. Here are 10 reasons why you should choose a licensed Zensurance broker to advise you on yourbusiness insuranceneeds:1. A Broker Works for YouUnlike buying directly from an insurance company or through an agent who works for one insurance carrier, a licensed small business insurance broker works for you. They are an intermediary between you and the insurance provider underwriting your policy. And there are noteworthydifferences between insurance brokers and insurance companies.  They put your interests first and work with multiple insurance providers to find the coverage that suits your needs by tailoring that policy and ensuring you have adequate... --- ### What Type of Insurance Does a Mixed-Use Commercial Property Need? > Mixed-use buildings featuring commercial enterprises and residential tenants contain unique risks. Here’s what property owners of multi-use properties need to know. - Published: 2024-07-22 - Modified: 2024-07-22 - URL: https://www.zensurance.com/blog/what-type-of-insurance-does-a-mixed-use-commercial-property-need - Categories: Insurance Mixed-use buildings featuring commercial enterprises and residential tenants contain unique risks. Here’s what property owners of multi-use properties need to know. Landlords who own mixed-use commercial properties, a unique combination of residential and commercial spaces, face a distinct set of risks. These properties necessitate tailored insurance policies to adequately cover these unique risks.  The specific types of insurance needed can vary based on the nature of the properties' businesses and residential units, such as retail shops and offices alongside condos or apartments. Let’s delve into what you need to know about insuring a mixed-use commercial property:https://www. zensurance. com/wp-content/uploads/2024/07/July-19-Comm-Property_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories Vital Coverages for Mixed-Use Commercial PropertiesA comprehensive mixed-use commercial property insurance policy typically includes the following types of coverages: Commercial Property Insurance: Commercial property insurance covers damage or loss to the building caused by fire, water, a natural disaster, theft, and vandalism. Business contents insuranceis usually included to protect your contents (electronics, furniture, fixtures, and office equipment) in the building as a sub-coverage of your commercial property policy.   General Liability Insurance:General liability insurance covers property owners against third-party bodily injury and third-party property damage claims, such as those from tenants or visitors who trip, fall, or are injured on the property.  Business Interruption Insurance: A recommended endorsement to add to your commercial property coverage,business interruption insurancecovers your operational overhead, lost rental income, and other financial commitments (like loans and utility bills)following an insurable loss that results in having to close the property while repairs are underway temporarily.  Equipment Breakdown Insurance:This insurance coversrepair or replacement costs of machinery or equipment in the building if they malfunction due to... --- ### Summer Rush: Preparing Your Business for Increased Foot Traffic > Summer’s here, and the time is right to ensure your small business is ready for an influx of customers. See our tips for preventing accidents and third-party injuries on your property and how insurance can help if you face a claim against you. - Published: 2024-07-19 - Modified: 2024-07-22 - URL: https://www.zensurance.com/blog/summer-rush-preparing-your-business-for-increased-foot-traffic-2 - Categories: Insurance Summer’s here, and the time is right to ensure your small business is ready for an influx of customers. See our tips for preventing accidents and third-party injuries on your property and how insurance can help if you face a claim against you. Summer may be brief in Canada, but it’s a crucial time for many small businesses. With customers flocking to their locations to spend while enjoying the sun, it's a season that can significantly boost your business. According to the Retail Council of Canada (RCC), nearly 40% of Canadian consumers plan to spend on summer-related purchases or activities this year, with 88% prepared to maintain or increase their spending compared to 2023. In terms of spending categories, RCC’s research states family vacations (50%) are the top spending category, followed by food, restaurants, and alcohol purchases (37. 5%), entertainment (36. 6%), and clothing (23. 7%). However, with the surge in people traffic to your business comes liability risks. Let’s review how businesses can prepare for an increase in customers by minimizing their liability risks and howbusiness insurancecan help if an accident or unexpected incidents occur:https://www. zensurance. com/wp-content/uploads/2024/07/July-17-Summer-Business_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Types of Businesses Attract More Customers in the Summer? With the warm weather here and sunny skies overhead, several types of businesses see a surge of customers, including: Restaurants and cafes Ice cream shops Retail stores Outdoor equipment and sporting goods outlets Home improvement and garden centres Fitness facilities and gyms Vacation rental properties Catering businesses Bars and pubs Farmers’ markets Food truck operators Pet services businesses anddog walkers 7 Ways to Be Ready For More Customers In Your Store in the SummerBeing proactive by minimizing the possibility of accidents or injuries to your customers and damages... --- ### 5 Ways Professional Cleaners Can Avoid Liability Claims > Protecting your finances and reputation with a customized professional cleaner insurance policy is essential whether your cleaning business serves residential, commercial clients, or both. Here’s why. - Published: 2024-07-17 - Modified: 2024-07-23 - URL: https://www.zensurance.com/blog/5-ways-professional-cleaners-can-avoid-liability-claims - Categories: Insurance - Tags: business insurance, commercial insurance, contractor, professional cleaner, window cleaner Protecting your finances and reputation with a customized professional cleaner insurance policy is essential whether your cleaning business serves residential, commercial clients, or both. Here’s why. Professional cleaners clean, sanitize, and disinfect client properties to ensure healthy and dazzlingly clean homes, offices, and workspaces. Professional cleaners, with their meticulous and thorough approach, ensure all areas are cleaned to the highest standard. Their dedication creates an inviting environment for their business clients, enhancing their professional image. Protecting your finances and reputation with a customized professional cleaner insurance policy is essential whether yourcleaning business serves residential, commercial clients, or both. Here’s why:https://www. zensurance. com/wp-content/uploads/2024/07/July-15-Cleaners_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Liability Risks Do Professional Cleaners Face? Professional cleaners face a variety of liability risks while performing their duties. Here are some liability risks they encounter:Third-party property damageCleaners may accidentally damage a client’s property or furnishings while performing their duties, such as breaking a valuable item while vacuuming or damaging furniture surfaces with harsh chemicals. Third-party bodily injuriesA client or passerby could slip and fall on a recently mopped floor or trip over yourcleaning equipmentand be injured. Allegations of theftA cleaner may be accused of stealing an item from a client’s office or home or misplacing and losing an item belonging to a client while cleaning.  Breach of contract claimsIf your cleaning services are deemed insufficient, a client may allegeprofessional negligence, which can lead to a claim of breach of contract. Moreover, a cleaner may be subjected tocontractual liabilityif a client claims your services don’t live up to what you promised. Environmental claimsProfessional cleaners use different cleansers and chemicals to ensure a location is polished and sanitized.... --- ### Do Personal Trainers Need to Have Insurance? > Fitness trainers and instructors working with individuals to help improve their physical health and achieve their fitness goals raise the possibility of injuries to clients and other liability risks. Here’s what every personal trainer should know. - Published: 2024-07-12 - Modified: 2024-07-12 - URL: https://www.zensurance.com/blog/do-personal-trainers-need-to-have-insurance - Categories: Insurance - Tags: business insurance, commercial insurance, personal trainer Fitness trainers and instructors working with individuals to help improve their physical health and achieve their fitness goals raise the possibility of injuries to clients and other liability risks. Here’s what every personal trainer should know. Do you need insurance as a personal trainer? The short answer is ‘yes’.  Personal trainers help individuals improve their physical health, achieve their fitness goals, and adopt healthier lifestyles through professional guidance.  Personal fitness trainers evaluate their clients’ physical fitness, design customized workout programs, and show them how to exercise correctly and safely. They also educate their clients about the principles of fitness and teach them to develop healthy habits that improve their lives. However, working with individuals in this capacity raises the possibility of injuries to clients and other liability risks. A customizedpersonal trainer insurancepolicy is critical to protect a trainer’s finances and reputation. https://www. zensurance. com/wp-content/uploads/2024/07/July-12-Personal-Trainer_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Liability Risks Do Personal Trainers Face? Among the common liability risks personal trainers face are: Third-Party Bodily Injuries: Injuries to clients may occur because of incorrect guidance or a lack of supervision during a workout. Allegations of Professional Negligence: A trainer may face an allegation ofprofessional negligencefrom a client if the customized workout program or nutritional advice they provide is ill-suited for a particular client. Third-Party Property Damage:Personal trainers who are mobile offer their services at a client’s home, gym or fitness facility, and if they accidentally damage the client’s property or gym owner’s equipment, they may be liable for the damages. Accusations of Sexual Harassment or Misconduct: Inappropriate behaviour or comments – whether real or imagined – can lead to severe legal consequences for the trainer. Inadequate Health Assessments: Improper fitness assessments of... --- ### 5 Types of Insurance to Consider for Your Mobile Business > Travelling to and from customer locations and job sites poses unique liability risks for business owners and independent professionals. Find out how mobile business insurance can address those risks. - Published: 2024-07-10 - Modified: 2024-07-10 - URL: https://www.zensurance.com/blog/5-types-of-insurance-to-consider-for-your-mobile-business - Categories: Insurance - Tags: auto mechanic, auto technician, business insurance, commercial insurance Travelling to and from customer locations and job sites poses unique liability risks for business owners and independent professionals. Find out how mobile business insurance can address those risks. Not all small businesses and independent professionals work from one location. While they may have a storefront, office, warehouse, or other type of primary business workspace, scores of hard-working people travel to where they need to be to offer their products and services. However, travelling to and from customer locations and job sites poses unique liability risks for business owners. That calls for a customizedbusiness insurancepolicy that addresses those risks to protect these professionals’ finances and reputations if an accident or unexpected incident arises, providing them with the peace of mind and security they need to focus on their work. Let’s review what insurance for mobile businesses entails:https://www. zensurance. com/wp-content/uploads/2024/07/July-10-Mobile-Based-Business_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Types of Mobile Businesses Need Liability Insurance? There are multiple types of small businesses and independent professionals who operate on-the-go, providing services to their customers at various locations, such as: Food truck operators General contractors and renovators Mobile pet groomers anddog walkers Auto detailers Plumbers Electricians Roofing contractors Beauticiansand hairstylists Massage therapists Fitness andyoga instructors IT technology professionals Home stagers Photographers and videographers Disc jockeys (DJs) Caterers Consultants Arts and crafts vendors 5 Insurance Coverages Your Mobile Business NeedsWhat a comprehensive business insurance policy should include to cover the risks you face depends on what you do. However, here are five types of coverage every small business owner or self-employed professional should consider: General liability insurance: All small business owners and independent professionals need general liability insurance. It covers the cost of... --- ### 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. - Published: 2024-07-08 - Modified: 2024-07-08 - URL: https://www.zensurance.com/blog/how-to-protect-your-point-of-sale-pos-system-from-fraud - Categories: Cybersecurity, Insurance - Tags: business insurance, commercial insurance, cyber 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. Fraud is alarmingly common and on the rise in Canada. As of May 31, 2024, theCanadian Anti-Fraud Centrereports that $241 million was lost to fraud compared to $569 million in 2023. Small businesses and independent professionals, particularly those utilizing point-of-sale (POS) terminals and software for financial transactions, are susceptible to fraudulent activity. Various industries, including retail stores, hospitality businesses, food and beverage establishments, health and wellness facilities, service providers like beauty salons and barbershops, and auto repair shops, are among those that rely on POS systems for customer payments. While a comprehensivebusiness insurancepolicy can aid in recovering from fraud-related losses, it's crucial to take proactive measures. These steps can significantly reduce the risk of your business falling victim to fraud. https://www. zensurance. com/wp-content/uploads/2024/07/July-8-POS-System_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 5 POS Fraud Prevention TipsHere are five ways to reduce the risk of fraud involving your business’s point-of-sale (POS) system:1. Monitor Customer BehaviourFace-to-face fraud occurs during in-person transactions in your shop or store. It involves a fraudster interacting with you or your employees in your workplace instead of online or on the phone. The good news is that in-store scams can be prevented. Be mindful of suspicious customer behaviour. For example, if a customer appears nervous, seems to grab products to buy randomly, or wants to purchase a large, expensive item. Also, take note of how many times someone enters a card’s PIN if they keep getting it wrong, and ensure your customers use chip cards versus swiping when paying... --- ### 8 Ways to Protect Your Home-Based Business > Thousands of Canadian entrepreneurs do what they do from their residential dwellings. However, even home-based business owners need to consider damage and liability risks. See our tips for minimizing these threats. - Published: 2024-07-05 - Modified: 2024-08-26 - URL: https://www.zensurance.com/blog/8-ways-to-protect-your-home-based-business - Categories: Insurance - Tags: business insurance, commercial insurance, home business insurance Thousands of Canadian entrepreneurs do what they do from their residential dwellings. However, even home-based business owners need to consider damage and liability risks. See our tips for minimizing these threats. There are many upsides for small business owners, startups, side hustlers, and independent professionals running their enterprises out of their homes. The benefits of running a business out of your home include lower overhead costs and no commuting required, you can determine the work-life balance that suits you best in a comfortable environment, and there are potential tax deductions for a portion of your expenses, such as utility bills, property taxes, and mortgage interest.  Alas, there are also challenges. These may include space constraints for office equipment, inventory and meeting clients; zoning laws in your municipality may restrict certain types of businesses operating in a residential area and fewer opportunities for spontaneous networking with others. https://www. zensurance. com/wp-content/uploads/2024/07/July-5-Home-Based-Business_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesDespite the many entrepreneurs successfully operating from their residential dwellings, it's crucial to remember that even ahome-based business requires a commercial insurance policytailored to its unique needs. The importance of this cannot be overstated, asthere are numerous compelling reasons why such a policy is essential. With the aim of safeguarding your financial wellness, we present eight practical ways to effectively minimize damage and liability risks to your home-based business:1. Coverage for Your VehicleIf you have a business vehicle or use one for commercial purposes, will apersonal car insurance policy adequately cover it, or do you need commercial auto insurance? Check your existing personal auto policy to know if you’re covered for using your wheels for business and whatcoverage limitsit provides. 2. Protect Your Inventory and Business... --- ### What Is Course of Construction (COC) Insurance? > It’s not uncommon for contractors to wonder if they need course of construction (COC), builders’ risk, or contractors’ all-risk insurance. Get a clear explanation and quick overview of what this vital protection provides builders, renovators, and property owners. - Published: 2024-07-03 - Modified: 2024-07-03 - URL: https://www.zensurance.com/blog/what-is-course-of-construction-coc-insurance - Categories: Insurance - Tags: builders risk insurance, COC insurance, construction equipment, contractor, contractor insurance, course of construction, tradesman, vacant property It’s not uncommon for contractors to wonder if they need course of construction (COC), builders’ risk, or contractors’ all-risk insurance. Get a clear explanation and quick overview of what this vital protection provides builders, renovators, and property owners. Summer is in full swing, and your construction crew is progressing tremendously on a residential building project. It is on budget and ahead of schedule.  Your team is nearing the finish line with only a few tasks left. The property owner is delighted with the work thus far, as you've kept them apprised of developments along the way. Your team finishes work for the week, but while packing things up and securing the property before departing, a bucket containing oily rags is overlooked and accidentally left sitting inside the garage of the building.  It's July, and the temperature is sweltering over the weekend. As the heat rises inside the garage, it reaches a flash-point temperature, and the oily rags spontaneously combust. The fire spreads from the garage to other parts of the structure, destroying the excellent work your team has done and the remaining materials on-site you need to complete the project. Now what? https://www. zensurance. com/wp-content/uploads/2022/07/July-3-Course-of-Construction_Blog-Image. pngLet’s explore what this insurance covers, how it compares to builders’ risk and contractors’ all-risk insurance, and how the annual premium is determined. https://www. zensurance. com/wp-content/uploads/2022/07/Contractor-Business-Insurance-CTA. jpg Related Posts What Does Course of Construction Insurance Cover? A COC policy covers a property and your construction materials from a broad range of risks, including: Fires, explosions, and lightning strikes Windstorms, hail, excessive rain, natural disasters, and floods Burglary, theft, vandalism, and damage caused by malicious acts Damages resulting from the impact of a vehicle or an aircraft Subsidence or the collapse of a structure... --- ### Does Your Business Need Automotive Garage Insurance? > When a customer visits your automotive shop and entrusts their car, SUV, or truck to you for service or repair, they expect you to treat their vehicle carefully. But that doesn’t mean accidents or mistakes won’t happen. Here’s how insurance can help when things go wrong. - Published: 2024-06-28 - Modified: 2024-06-28 - URL: https://www.zensurance.com/blog/does-your-business-need-automotive-garage-insurance - Categories: Insurance - Tags: auto mechanic, auto technician, business insurance, commercial insurance When a customer visits your automotive shop and entrusts their car, SUV, or truck to you for service or repair, they expect you to treat their vehicle carefully. But that doesn’t mean accidents or mistakes won’t happen. Here’s how insurance can help when things go wrong. Vehicle owners love their wheels for personal, emotional, and practical reasons. They provide a sense of independence and freedom, our vehicles are often associated with personal memories, and they’re essential for commuting and daily activities. So, when a customer visits your automotive shop and entrusts their car, SUV, or truck to you for service or repair, they expect you to treat their vehicle with care. No doubt you do, but that doesn’t mean accidents or mistakes won’t happen. That is why garage policies for repair shops are vital for protecting the finances of automotive-related businesses.  Agarage liability insurancepolicy covers general liability risks associated with your operations and premises and damages to your customers’ vehicles while in your possession. Let’s review what this type of policy features and the liability risks automotive businesses who need it face. https://www. zensurance. com/wp-content/uploads/2024/06/June-28-Mechanic_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Types of Businesses Need Automotive Garage Insurance? There is a broad range of businesses that require an automotive garage liability insurance policy, including: Automotive repair shops Auto detailers and mobile auto detailing shops Collision body shops Lube, oil and filter shops New and used car dealerships Transmission repair facilities Glass and windshield repair shops Muffler repair garages Car washes Vehicle painting facilities Parking garages and lots What Liability Risks Do Automotive Garage Businesses Face? All automotive businesses face liability risks that can threaten their finances. The most common risks are: Third-Party Property Damage Working with a customer’s vehicle can lead to mistakes or... --- ### How to Protect Your Business or Profession From Negligence Claims > No business owner or independent professional wants to be accused of professional negligence, but it happens. See our tips for avoiding this situation and how insurance can help if you receive a negligence claim or are subject to a lawsuit. - Published: 2024-06-26 - Modified: 2024-06-26 - URL: https://www.zensurance.com/blog/how-to-protect-your-business-or-profession-from-negligence-claims - Categories: Insurance - Tags: business insurance, commercial insurance No business owner or independent professional wants to be accused of professional negligence, but it happens. See our tips for avoiding this situation and how insurance can help if you receive a negligence claim or are subject to a lawsuit. For small businesses or independent professionals offering advice and services to their clients in any industry, there always exists a risk of disputes with a client, which can lead to an expensive lawsuit and damage to your reputation, even if you’re not at fault. You need to avoid that predicament at all costs.  Professional liability insuranceis not just a necessity, it's a shield that can protect your business and your professional reputation. It's there to cover your costs if an allegation, claim, or lawsuit related to professional negligence hits you, giving you the peace of mind you need to focus on your work. Let’s go over what professional negligence is and the steps you can take to prevent misunderstandings and disagreements that can lead to a claim against you. https://www. zensurance. com/wp-content/uploads/2024/06/June-26-Protect-Your-Business_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Is Professional Negligence? Professional negligenceis defined as when a professional fails to apply the required standard of care or fulfill their obligations in executing their services, which results in a client suffering a financial or physical loss.  For example, if an accountant prepares financial documents for a client that containerrors or omissions, and those mistakes lead to a client suffering an economic loss,you may be suedand required to compensate the affected client for the harm or financial losses caused. 10 Ways to Minimize the Risk of Professional Negligence ClaimsHere are 10 steps to take to try to minimize a misunderstanding between your company and clients and avoid a professional negligence... --- ### What Type of Insurance Do Moving Companies Need? > The summer season, with its increased demand for professional moving companies, is the perfect time for movers to secure the insurance they need. The time is now. Here’s why. - Published: 2024-06-24 - Modified: 2024-06-25 - URL: https://www.zensurance.com/blog/what-type-of-insurance-do-moving-companies-need - Categories: Insurance - Tags: business insurance, commercial insurance, contractor, contractor insurance The summer season, with its increased demand for professional moving companies, is the perfect time for movers to secure the insurance they need. The time is now. Here’s why. The summer months tend to be busy for professional residential and commercial movers. Most Canadians looking to relocate their businesses to new properties or move to a new home do so between June and September.  IBISWorld data states the market size of Canada’s moving industry was worth $1. 4 billion in 2023, a 0. 5% growth rate increase versus 2022. TheBetter Business Bureau of Canadaalso forecasts the moving industry will benefit from increased commercial real estate activity over the next five years. That ought to result in more demand for the services moving companies provide. For residential and commercial movers who own trucks, it’s crucial to ensure you have a customizedmoving company insurancepolicy. This is not just about protecting your assets and reputation, but also about avoiding potential financial losses and legal issues that could arise from unforeseen circumstances. Let’s delve into the reasons why:https://www. zensurance. com/wp-content/uploads/2024/06/June-24-Movers_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Liability Risks Do Residential and Commercial Movers Face? Residential and commercial movers face several liability risks. These risks can lead to financial losses, legal issues, and damage to their reputations. Among the most common risks are:  Third-Party Property Damage Accidental damages to your clients’ property may occur during packing, loading, and transporting furniture and other items. Furthermore, client property could be lost or stolen during a move.   Third-Party Bodily Injuries Your crew’s work could injure A client or passerby during a move. For example, a client could trip over a moving truck ramp attached... --- ### What Is Vicarious Liability? > Vicarious liability for employers is when a business owner is held financially liable for the damages caused by the actions or inactions of anyone representing their company. Here’s how you can protect yourself. - Published: 2024-06-21 - Modified: 2024-06-21 - URL: https://www.zensurance.com/blog/what-is-vicarious-liability - Categories: Insurance - Tags: business insurance, commercial insurance, vicarious liability, vicarious liability insurance Business owners can be held financially liable for the damages or negligence caused by the actions or inactions of third parties. Here’s how you can protect your company from vicarious liability risks. You may think basic business insurance will protect your organization if something goes awry. However, your company may be held responsible if a third party does something wrong. It is called vicarious liability. An employer’s vicarious liability is when a business owner is held financially liable for the damages or negligence caused by the actions or inactions of anyone representing their company, namely a third party.  That means an organization can be responsible for paying for damages caused by a third party even if the business owner didn’t authorize or perform the actions and isn’t at fault. https://www. zensurance. com/wp-content/uploads/2022/10/June-21-Vicarious-Liability_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories How Can a Small Business Owner Be Vicariously Liable? There are many instances where a business can be vicariously liable. Here are a few examples: The owner of a bookkeeping business hires temporary help during tax returns season on a contract basis. One of the contractors errs on an expense spreadsheet. The bookkeeper’s client gets audited and is fined by the CRA. A security guard contracted by a retail store wrongfully detains a customer, suspecting them of shoplifting, uses excessive force and injures the customer. A subcontractor working for a construction company fails to follow safety protocols, resulting in an accident that injures a pedestrian. Essentially, business owners can be vicariously liable for a related third party’s wrongdoings, whether the third party’s actions were intentional or not. The key elements of vicarious liability include: The Business Owner and Third-Party Relationship Vicarious liability often... --- ### 5 Reasons Why Summer Is the Perfect Time to Review Your Business Insurance > The midpoint of the year is ideal to review your insurance coverage and consider if it’s adequate to cover how your business has changed or will change in the months ahead. Here are five reasons to review your policy (and how Zensurance can help). - Published: 2024-06-19 - Modified: 2024-06-19 - URL: https://www.zensurance.com/blog/5-reasons-why-summer-is-the-perfect-time-to-review-your-business-insurance - Categories: Insurance, Small Business Tips - Tags: commercial property, general liability, renewal The midpoint of the year is ideal to review your insurance coverage and consider if it’s adequate to cover how your business has changed or will change in the months ahead. Here are five reasons to review your policy (and how Zensurance can help). June 20 officially marks the first day of summer (yahoo! ). But before you kick back to relax or take time off to enjoy the gorgeous weather, know that summer is an ideal time to review your business insurance policy. That’s not meant to be a buzzkill for your vacation plans – even if your business experiences less activity during the summer months. We’ll give you five reasons why the summertime is ideal for reviewing your business insurance coverage (and how Zensurance can make it a quick, painless process):https://www. zensurance. com/wp-content/uploads/2024/06/June-19-Summer-Renewal_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 1. The Summer LullFor some organizations or independent professionals, summertime is when business slows, giving them the opportunity to make necessary equipment repairs, stock up on inventory, and focus on administrative tasks. That window of calm and fewer customer interactions gives business owners ample time to review their existing coverage and consider if it suits the business in the months ahead. 2. Mid-Year Fiscal ReviewsFor many companies, summer means assessing their financial performance and future needs to see if they’re on track to achieve their strategic goals. As insurance is a critical part of financial wellness and resilience, considering possible changes to operational risks or future financial investments based on performance in the first half of the year, adjustments to coverage can help the organization align with upcoming activities. 3. Strategic PlanningIn addition to financial performance reviews, the middle of the year is typically when many business owners consider what issues and... --- ### 7 Tips for Converting Your House Into a Rental Property > As a property owner mulling over whether or not to jump into the rental property market, careful planning and understanding the associated responsibilities and liabilities is critical. See our tips on what you need to do before getting into the rental game - Published: 2024-06-17 - Modified: 2024-06-17 - URL: https://www.zensurance.com/blog/7-tips-for-converting-your-house-into-a-rental-property - Categories: Insurance - Tags: commercial property, general liability, landlord As a property owner mulling over whether or not to jump into the rental property market, careful planning and understanding the associated responsibilities and liabilities is critical. See our tips on what you need to do before getting into the rental game Are you considering converting your primary or secondary residence into a rental property? It appears to be the right time to become a landlord. According to the Canadian Mortgage and Housing Corporation, despite an increase in rental housing in 2023, supply is not forecast to keep up with demand, resulting in record-low vacancy rates (1. 5%) and record-high average rent growth (8%). This presents a promising opportunity for property owners like you to generate a steady income from your primary or secondary residence.  Meanwhile, theMay 2024 reportby Rentals. ca says rents for all residential property types in Canada remained near a record high in April, averaging $2,188 per month. Rents increased 9. 3% annually in April, accelerating from an 8. 8% annual growth rate in March. However, as a property owner mulling over whether or not to jump into the rental property market, careful planning andunderstanding the associated responsibilities and liabilitiesis critical. Let’s review what you need to consider if you plan on becoming a landlord. https://www. zensurance. com/wp-content/uploads/2024/06/June-17-Rental-Property_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories Pros and Cons of Converting a Primary Residence Into a Rental PropertyLandlords face a few pros and cons, as with any small business (and renting a home is a business venture). The Pros: Tax deductions. As a landlord, you can take advantage of various tax deductions to reduce your overall taxable income, including property taxes, mortgage interest payments, and maintenance and repair costs.   Supplements your income. Having renters helps you generate income and... --- ### What Type of Business Insurance Does a Grocery Store Need? > Grocery stores face a wide range of risks daily, such as high customer volumes, food safety concerns, and theft and shoplifting threats. Find out what insurance coverage your store needs to safeguard its assets and reputation. - Published: 2024-06-14 - Modified: 2024-06-14 - URL: https://www.zensurance.com/blog/what-type-of-business-insurance-does-a-grocery-store-need - Categories: Insurance - Tags: commercial property, general liability, product liability Grocery stores face a wide range of risks daily, such as high customer volumes, food safety concerns, and theft and shoplifting threats. Find out what insurance coverage your store needs to safeguard its assets and reputation. Any business that sells products or services with customers or visitors on their premises has significant liability risks, including grocery stores.  Grocery stores, in particular, face a wide range of risks daily because of several factors, such as high customer volumes, food safety concerns, and theft and shoplifting threats.  Securing your food and grocery business is not just about minimizing risks, but also about bolstering your financial security. A comprehensive grocery store insurance policy plays a vital role that can help you navigate unexpected damage and loss. https://www. zensurance. com/wp-content/uploads/2024/06/June-14-Grocery_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 7 Liability Risks Grocery Stores FaceAmong the most common liability risks grocery stores face include:1. Slip and fall accidentsGrocery stores typically have high foot traffic. Tripping hazards due to uneven floors or stairs and slip and fall accidents caused by wet floors may injure customers and delivery persons. 2. Third-party bodily injuries caused by productsThe products you sell, distribute, or create in-house (like prepared dishes) can trigger allergic reactions or be contaminated, leading to customer allegations of illnesses caused by your products, including food items provided by third-party suppliers. 3. Theft and shopliftingThe risk of theft andshopliftingis always a threat for any retail business that can hurt your bottom line or escalate and lead to injuries to customers, employees, and alleged shoplifters. 4. Robberies and break-insRobberies during business hours and after-hour break-ins may result in financial losses and damages to your store. Moreover, the business can faceprofessional negligenceclaims if your grocery store has... --- ### What You Need to Know About Landlord Insurance for a Rooming House > For landlords, rooming houses pose unique challenges and risks compared to traditional single-family rentals or apartment complexes. Discover how landlords can lower their insurance bills and adequately protect their properties. - Published: 2024-06-12 - Modified: 2024-06-12 - URL: https://www.zensurance.com/blog/what-you-need-to-know-about-landlord-insurance-for-a-rooming-house - Categories: Insurance - Tags: commercial property, landlord, landlord insurance For landlords, rooming houses pose unique challenges and risks compared to traditional single-family rentals or apartment complexes. Discover how landlords can lower their insurance bills and adequately protect their properties. Rooming houses are often a more affordable option for tenants versus renting a private apartment by offering short-term leases and shared monthly utility bills. Rooming houses can be a boon for students, young professionals, and people living on social assistance. The private bedrooms, often furnished, and the social environment fostered by the nature of a rooming house make it an attractive choice. With95% of Canadiansconsidering the increasing rental costs and lack of affordable housing a serious problem, more tenants may be seeking rooming house accommodations. For landlords, however, rooming houses, also known as boarding or multi-tenant houses, pose unique challenges and risks compared to traditional single-family rentals or apartment complexes. These residential spaces typically house three or more tenants who are unrelated in a self-contained unit or dwelling and feature common areas they share, such as kitchens, living rooms, bathrooms, and laundry facilities. https://www. zensurance. com/wp-content/uploads/2024/06/June-12-Rooming-Landlord_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories Landlord insurance for rooming housesaddresses these unique features, whereas a traditional landlord insurance policy may not. Let’s examine why:Common Liability Risks Rooming House Landlords FaceRooming houses typically have high turnover rates, and insurers regard an abode with three or more unrelated people residing in a shared living space as a higher risk than other types of dwellings. In general, insurance providers price landlord insurance policies based on a property's risk.  Among thecommon liability risksrooming house landlords face include: Injuries to tenants and visitors. Tenants or their visitors may get injured on the property or in the common... --- ### Here’s How to Protect Your Mobile Auto Detailing Business > Vehicle owners who want more than what an automatic car wash can provide turn to auto detailers to make their wheels dazzle. But competition among detailers is steep, and damage claims are always a threat. A customized insurance policy can protect your finances and help differentiate your business. - Published: 2024-06-10 - Modified: 2024-06-10 - URL: https://www.zensurance.com/blog/heres-how-to-protect-your-mobile-auto-detailing-business - Categories: Insurance - Tags: auto detailing, auto repair, commercial auto, garage, vehicles Vehicle owners who want more than what an automatic car wash can provide turn to auto detailers to make their wheels dazzle. But competition among detailers is steep, and damage claims are always a threat. A customized insurance policy can protect your finances and help differentiate your business. After the harshness of winter and with the beautiful weather upon us, many car enthusiasts will seek a professional auto detailer to clean, polish, and wax the interior and exterior of their vehicles to a spiffy finish.  Vehicle owners and car enthusiasts who value their wheels want more than what an automatic car wash can provide. They want an auto detailing service offered by experienced professionals to make their vehicles dazzle with a thorough cleaning, paint correction and scratch removal, restore the clarity of their headlights, and a ceramic coating to protect their cars with a semi-permanent protective layer. There are an estimated 3,580 car wash and auto detailing businesses in Canada, according to IBISWorld, and the industry grew by 1. 5% per year on average between 2018 and 2023. That ups the competition among auto detailing professionals. https://www. zensurance. com/wp-content/uploads/2024/06/June-10-Auto-Detialing_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesAmong the ways auto detailers differentiate themselves is by offering mobile auto detailing services – travelling to their client’s locations to deep clean their cars. Another key differentiator professional auto detailers should consider is a comprehensiveauto detailing insurancepolicy. Here’s why:8 Liability Risks Mobile Auto Detailing Businesses FaceInsurance for your auto detailing business protects you and your customers from various risks and damages and can run into thousands of dollars. Having a customized policy gives you and your customers peace of mind, knowing that if something goes awry, you have the coverage to help pay for it. There are many risks mobile auto detailers... --- ### 5 Common Accountant Insurance Claims > Despite your best efforts, bad things happen without warning that can threaten your livelihood and prove financially devastating, even to professionals balancing the books. Here are five accountant and bookkeeper insurance claims that we helped resolve. - Published: 2024-06-07 - Modified: 2024-12-18 - URL: https://www.zensurance.com/blog/5-common-accountant-insurance-claims - Categories: Insurance - Tags: accountant, bookkeeper, insurance for accountants, professional liability, small business insurance Despite your best efforts, bad things happen without warning that can threaten your livelihood and prove financially devastating, even to professionals balancing the books. Here are five accountant and bookkeeper insurance claims that we helped resolve. All business owners want to be successful and grow their businesses. To do that effectively, realizing the value and importance of insurance in supporting your risk management strategy and ensuring your financial wellness is vital. Accidents, allegations of wrongdoing or mistakes, and unexpected damages caused by things out of your control can happen to any independent professional or small business owner without warning. Despite your best efforts, bad things happen, so it’s essential to considereverything that could go wrongand financially devastate your company. Here are five insurance claims from a handful of our accountant and bookkeeper clients we helped resolve:https://www. zensurance. com/wp-content/uploads/2024/06/June-7-Accountant_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 1. Withheld Fees ClaimOur client is a chartered professional accountant tasked with preparing a tax return for a client. Unfortunately, after submitting the return to the Canada Revenue Agency (CRA), our client received a “demand letter” from a lawyer (a formal document sent on behalf of a client to request payment or action from another party) for submitting the return late and with erroneous information. Consequently, the client did not pay our client for their work. However, our client purchased anerrors and omissions (E&O) insurancepolicy from us that covered situations if a client refused to pay for their services.  We were able to provide our client with a sense of relief and security by ensuring they were reimbursed over $60,000 because of this incident. 2. Late Filing Penalty ClaimAnother of our accountant clients reported their client’s tax return late, which resulted... --- ### What Is Pollution Liability Insurance? > Any business that uses environmentally unsafe chemicals or deals with hazardous waste runs the risk of a third-party pollution liability lawsuit. Get an understanding of what the risks are and how to protect your company. - Published: 2024-06-05 - Modified: 2024-06-05 - URL: https://www.zensurance.com/blog/what-is-pollution-liability-insurance - Categories: Insurance - Tags: pollution liability, small business insurance Environmental- and pollution-related litigation and damage claims are not theoretical concerns. Any business that uses toxic chemicals or materials runs the risk of being sued. Here’s how pollution liability insurance can cover you. With climate change and environmental awareness hitting an all-time high in Canada, small business owners in every sector of the economy would be wise to ensure they aren't exposed to the threat of a third-party pollution liability lawsuit. Environmental- and pollution-related litigation is not just a theoretical concern. It's a real threat that small business owners in Canada are facing. Consider this: in July 2021, a judge certifieda $40 million class-action lawsuitlaunched by a group of homeowners near Ottawa claiming a local fire research lab polluted their drinking water and devalued their homes. This is just one example of how pollution can lead to significant legal and financial consequences. Pollution liability insuranceis designed to protect businesses and contractors against specific risks and environmental liabilities associated with exposure to pollution while working at a job site. It covers third-party claims against bodily injury, property damage, and legal and cleanup expenses caused by hazardous pollutant exposure from your company's operations while you complete a job and after it's done.  https://www. zensurance. com/wp-content/uploads/2021/11/June-5-Pollution-Liability_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesImagine a scenario where you're hired to remove mould for a client, but despite your best efforts, some of it remains. If this oversight leads to a respiratory illness in the client, you might worry about potential liability issues. However, with the right pollution liability insurance, you can rest easy, knowing that you're protected from such situations. Does Your Business Need Pollution Liability Coverage? Any business that uses toxic chemicals or materials could face... --- ### Commercial Auto Insurance vs Personal Auto Insurance: What’s the Difference? > Get an overview of the differences between commercial auto insurance and personal auto insurance policies and what options you have to increase your coverage. - Published: 2024-06-03 - Modified: 2024-06-03 - URL: https://www.zensurance.com/blog/commercial-auto-insurance-vs-personal-auto-insurance-whats-the-difference - Categories: Insurance - Tags: commercial auto, commercial auto insurance - Formats: Image Get an overview of the differences between commercial auto insurance and personal auto insurance policies and what options you have to increase your coverage. Auto insurance is not just a wise choice for protecting your vehicle from damages, it’s a legal requirement across Canada. As a self-employed professional or small business owner, it's essential to understand whether you should opt for commercial or personal auto insurance. Bothcommercial auto insuranceand personal auto insurance provide coverage for vehicles. However, they differ significantly in terms of their coverage, eligibility, and intended use by the province in which you live. Here’s an overview of the differences between them to help you make an informed decision:https://www. zensurance. com/wp-content/uploads/2024/06/June-3-Comm-Auto_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Does Personal Auto Insurance Include? Personal auto insurance, also called private-passenger auto insurance, is designed to cover vehicles for personal use. For example, driving to the cottage for a weekend or going to the grocery store. Depending on the coverage in the policy and the coverage limits you choose, it can pay for damages to your vehicle and your medical expenses following an accident. Although the mandatory coverages and coverage limits vary by province, a standard or mandatory private-passenger auto insurance policy typically includes the following:  Third-party liability: Covers another motorist’s or person’s medical expenses and property damage following an accident if you are deemed to be at fault. Most provinces require a minimum $200,000 coverage limit for third-party liability. Accident benefits: Covers your medical and rehabilitation expenses if you’re injured in a car accident, regardless of who’s at fault.   Uninsured auto: Covers damages to your vehicle and your medical expenses if... --- ### What Type of Insurance Do Student Counsellors Need? > Student counsellors, as the architects of secondary and post-secondary students' lives and academic journeys, face many challenges. However, this multifaceted career exposes counsellors to various risks. Learn how insurance can safeguard your career and finances. - Published: 2024-05-31 - Modified: 2024-05-31 - URL: https://www.zensurance.com/blog/what-type-of-insurance-do-student-counsellors-need - Categories: Insurance - Tags: education, professional liability, teacher - Formats: Image Student counsellors, as the architects of secondary and post-secondary students' lives and academic journeys, face many challenges. However, this multifaceted career exposes counsellors to various risks. Learn how insurance can safeguard your career and finances. Being a student counsellor is a rewarding yet challenging role. You provide guidance, support, and listen to students as they navigate the complexities of their educational and personal lives.  These professionals work in schools, colleges, and universities, providing academic, career, and personal guidance. They help students with course selection, academic and career advice, and personal problems. As a student counsellor, you are a pillar of support in schools, colleges, and universities, guiding students through their academic, career, and personal challenges. However, this multifaceted role also exposes you to unique risks that can lead to legal and financial repercussions.  Like tutors and teachers, these education professionals should protect their careers with a customizedstudent counsellor insurancepolicy. https://www. zensurance. com/wp-content/uploads/2024/05/May-31-Student-Counseller_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 3 Common Liability Risks Student Counsellors FaceThe three most common liability risks that could threaten a student counsellor’s career and reputation include:1. Professional LiabilityOne of the most significant risks for student counsellors is professional liability. It can arise if a student or their family claims that your advice or guidance caused the student physical, academic, or financial harm. For example, a student might allege the academic advice you gave them delayed their graduation, causing them financial stress or loss. 2. Third-Party Bodily Injuries or Property DamageYou may be liable if a student suffers an injury while visiting your office or their belongings are damaged, like a mobile phone. For example, if a student slips and falls in your office and is hurt, you may be financially... --- ### Does My Nightclub Need Restaurant Insurance? > Nightclubs are bustling, high-energy environments catering to different tastes to create unique experiences. But there’s more to worry about than theme nights and drink specials. Get the lowdown on how insurance can protect your assets. - Published: 2024-05-29 - Modified: 2024-05-29 - URL: https://www.zensurance.com/blog/does-my-nightclub-need-restaurant-insurance - Categories: Insurance - Tags: liquor liability, restaurant - Formats: Image Nightclubs are bustling, high-energy environments catering to different tastes to create unique experiences. But there’s more to worry about than theme nights and drink specials. Get the lowdown on how insurance can protect your assets. Thousands of Canadians flock to nightclubs to socialize, dance, and have fun in vibrant and dynamic venues where the music is loud and the lighting creates an energetic atmosphere.  Nightclubs are bustling, high-energy environments catering to different entertainment tastes to create unique experiences. However, it isn’t all fun and games for nightclub owners. They have more to worry about than theme nights and drink specials, such as kitchen accidents, a customer falling and being injured, and liabilities related to serving alcohol. That's why nightclub owners need a customized liability insurance policy to protect their finances, similar to arestaurant insurancepolicy. Let's review what liability risks nightclub owners face and what insurance coverages they need:https://www. zensurance. com/wp-content/uploads/2019/10/May-29-Nightclub-Insurance_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 8 Liability Risks Nightclub Owners FaceWhile the goal of every nightclub owner is to draw large crowds of revellers to dance and enjoy themselves, the nature of this type of business exposes owners to legal and financial risks. These risks are not unique to your establishment, but are common in the industry. The eight most common liability risks nightclub owners face include:1. Slip and Fall AccidentsSlip and fall accidents are always a risk for any establishment or venue. If a customer or visitor to your club slips on a wet floor or trips over a loose floor tile or obstacle, falls and is injured, you may be liable for their medical and rehabilitation expenses. According to Statistics Canada, slip and fall accidents make up approximately 40% of all... --- ### 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 needs and budget. Here’s what every landlord needs to know. - Published: 2024-05-27 - Modified: 2024-05-27 - URL: https://www.zensurance.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. Landlords have a lot to worry about – from the upkeep of their rental properties, picking the right tenants and minimizing vacancy periods to complying with local housing laws and budgeting for unexpected expenses – the successful management of a rental property is a full-time responsibility. There’s also another critical facet of property management that’s top-of-mind: protecting property from unexpected andexpensive damages and liability claims. A comprehensivelandlord insurancepolicy is necessary for safeguarding your investment and financial wellness from those risks. Let’s review what that entails, its average cost, and what steps you can take to keep your annual insurance premium as low as possible. https://www. zensurance. com/wp-content/uploads/2024/05/May-24-Landlord-Insurance_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Is Landlord Insurance? Landlord insurance is a policy containing different coverages designed to protect rental property owners from financial losses associated with renting residential or commercial properties. It typically covers property damage caused by fire, water, severe weather, theft and vandalism, loss of rental income following an insurable loss, and third-party liability claims. What Does a Landlord Insurance Policy Include? A landlord insurance policy typically includes the following types of coverage: General liability insurance: General liability insurance covers third-party bodily injury and third-party property damage claims. For example, if a tenant or visitor to the property trips, falls, and is injured on your premises, this coverage is designed to pay for the injured person’s medical and rehabilitation expenses. Commercial property insurance: Commercial property insurance covers damage to your rental property caused by fire, water, a... --- ### 7 Small Business Water Damage Insurance Claims > While there are preventative measures you can take to protect your business from water damage, paying for damages beyond your control requires commercial property insurance. Here are seven real-life water damage insurance claims - Published: 2024-05-24 - Modified: 2024-05-24 - URL: https://www.zensurance.com/blog/7-small-business-water-damage-insurance-claims - Categories: Insurance - Tags: business insurance, commercial property, flood insurance While there are preventative measures you can take to protect your business from water damage, paying for damages beyond your control requires commercial property insurance. Here are seven real-life water damage insurance claims Floods are Canada's most significant natural hazard. It's no surprise that damages to business properties caused by water from internal or external sources are alarmingly frequent, making them among the most common insurance claims year-over-year.  While there arepreventative measures you can take, such as installing flood barriers or maintaining a clear drainage system, to minimize flood damageto your business, and actions to takeif your property is flooded, such as immediately shutting off electricity and gas, being prepared to pay for damages beyond your control requires comprehensive commercial property insurance. Let's delve into the real-life experiences of seven of our clients who filed water damage claims. Their stories illustrate how business insurance played a crucial role in their recovery:https://www. zensurance. com/wp-content/uploads/2024/05/May-27-Water-Damage_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 1. Water Pipe BurstsOur client, a barbershop owner, faced a challenging situation when a water pipe leaked into his rented commercial space during the winter.  Most of the damages were to parts of the building the landlord was responsible for, so the landlord's insurer handled those repairs. However, there was also significant damage to the barbershop owner's property.  Regrettably, the barbershop owner was forced to halt operations for an extended period, resulting in a substantial loss of income. Theirbusiness interruption insurance, a part of their commercial property policy, covered their losses, amounting to over $50,000. 2. Severe WindstormOur client, a dedicated restaurant owner, was struck by a ferocious windstorm. The force was so intense that a significant portion of the roof was torn... --- ### What Type of Insurance Does a Balloon Business Need? > Balloon decorators can be financially responsible for damages or injuries to people or property because of their creations and operations. Here's how to protect your finances and keep your business aloft. - Published: 2024-05-22 - Modified: 2024-05-22 - URL: https://www.zensurance.com/blog/what-type-of-insurance-does-a-balloon-business-need - Categories: Insurance - Tags: business insurance, general liability insurance Balloon decorators can be financially responsible for damages or injuries to people or property because of their creations and operations. Here's how to protect your finances and keep your business aloft. Whether selling balloon decorations online, at events such as farmers’ markets and craft fairs, or if you’re hired to delight children and adults alike with inflated balloon characters, arches, and more, you should invest in protecting your business. It might seem like a low-risk business, but without the right insurance, you can be financially responsible for any damages or injuries to people or property because of your creations, whether inflated by air or helium. This could lead to significant financial loss. A comprehensive balloonbusiness insurancepolicy safeguards your finances following an accident or unexpected incident that could deflate your business and possibly lead to bankruptcy. It also provides you with financial support to seek legal advice if a customer or passerby is harmed in some way by your services and threatens legal action. https://www. zensurance. com/wp-content/uploads/2024/05/May-22-Balloon-Business_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories A Zensurance surveyfound a whopping majority of Canadian consumers wouldn't hesitate to sue a small business owner or independent professional if they suffered physical or financial damage because of your services. For instance, if a child were to trip over a balloon string and get injured, or if a balloon sculpture were to accidentally damage a client's property, you could be held financially responsible without insurance. What Liability Risks Does a Decorative Balloon Business Face? Balloon decoration businesses or professionals face various liability risks related to their operations. Some common liability risks include: Third-party property damageif you accidentally damage a venue or client’s property while setting up or... --- ### 10 Common Mistakes to Avoid When Buying Business Insurance > Protecting your financial well-being and professional reputation with business insurance requires understanding your liability risks and legal and industry requirements. Here are common mistakes to avoid when buying insurance. - Published: 2024-05-17 - Modified: 2024-11-29 - URL: https://www.zensurance.com/blog/10-common-mistakes-to-avoid-when-buying-business-insurance - Categories: Insurance - Tags: business insurance Protecting your financial well-being and professional reputation with business insurance requires understanding your liability risks and legal and industry requirements. Here are common mistakes to avoid when buying insurance. Whether you’re required to buy liability insurance by your industry or the law, insurance is essential to every business owner’s or independent professional’s financial wellness and achieving long-term economic stability. However, protecting your financial well-being and livelihood with a customized business insurance policy requires understanding your liability risks and legal and industry requirements. There aredifferent factors to consider before buying or renewing a policy, and there are mistakes to steer clear of by thinking about your needs. Here are 10 common mistakes many people make when purchasing business liability insurance:https://www. zensurance. com/wp-content/uploads/2024/05/May-17-Buying-Business-Insurance_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 1. Underestimating Your Coverage NeedsWhen buying a policy, it's not about getting any insurance coverage but the right type.   It's critical to accurately assess the risks you face to understand your business's coverage needs. Failing to do so can result in inadequate coverage that could leave you in a financial bind if youfile a claimand are told you aren’t covered.  Example: A new restaurant owner purchases general liability insurance but doesn’t consider adding liquor liability coverage. That leaves the owner exposed to claims arising from alcohol-related incidents. 2. Focusing Solely on Buying the Cheapest PolicyIf your sole focus when getting insured is paying the cheapest premium possible without considering itscoverage limitsanddeductibles, you may be putting yourself at risk of being underinsured. Example: A retailer opts for the cheapest business insurance policy with low coverage limits and high deductibles. If a fire scorches the property and inventory, the policyholder's low coverage limit... --- ### What a Hot Torch Roofing Insurance Policy Should Include > Hot torch roofing offers a strong, weather-resistant option when installed by experienced professionals. However, it’s inherently dangerous work. Here’s how torch-down roofing professionals can protect their finances against liability risks. - Published: 2024-05-15 - Modified: 2024-05-15 - URL: https://www.zensurance.com/blog/what-a-hot-torch-roofing-insurance-policy-should-include - Categories: Insurance - Tags: business insurance, roofing, roofing insurance Hot torch roofing offers a strong, weather-resistant option when installed by experienced professionals. However, it’s inherently dangerous work. Here’s how torch-down roofing professionals can protect their finances against liability risks. Although hot torch roofing is inherently dangerous, it is a practical, energy-efficient option for roofing installations. Sometimes called torch-on roofing, modified bitumen, or torch down roofing, hot torch roofing involves using a propane torch to heat and bond bitumen sheets to a roof’s surface. While hot torch roofing offers a strong, weather-resistant option for flat or low-slope roofs when installed by experienced professionals, because of the risks it poses,roofing insuranceis essential for protecting a roofer’s finances and their customers’ properties. https://www. zensurance. com/wp-content/uploads/2024/05/May-15-Hot-Torch-Roofing_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Liability Risks Do Hot Torch Roofers Face? The greatest risk with hot torch roofing is undoubtedly fire.  Using open flame during installation involves torching to temperatures over 1093° Celsius or 2000° Fahrenheit. Accidental fires can occur if roofing materials, insulation, or surrounding structures ignite during torching. Other significant liability risks hot torch roofers face include the following: Third-party property damage claims on customer and neighbouring properties Third-party bodily injury claims if customers or passersby are hurt because of your operations Injuries to workers, including heat-related illnesses and burns Environmental and pollution claims arising from the improper handling of materials, such as asphalt, that pollute soil, water, or the air Theft of or vandalism to your tools and equipment Regulatory compliance fines or legal actions if you fail to comply with local building codes, safety regulations, and industry standards 5 Tips for Minimizing Hot Torch Roofing Accidents and DamagesTo minimize these risks, hot torch roofers must follow safety protocols and... --- ### Does Your Business Vehicle Need Collision and Comprehensive Insurance? > Enhancing your business vehicle’s commercial auto insurance protection requires considering adding optional collision and comprehensive coverages to it. Here’s what you should know to make an informed decision - Published: 2024-05-13 - Modified: 2024-05-13 - URL: https://www.zensurance.com/blog/does-your-business-vehicle-need-collision-and-comprehensive-insurance - Categories: Insurance - Tags: business insurance, commercial auto insurance Enhancing your business vehicle’s commercial auto insurance protection requires considering adding optional collision and comprehensive coverages to it. Here’s what you should know to make an informed decision It’s illegal to operate any motor vehicle in Canada without a valid insurance policy, but protecting your business vehicle from costly repair bills because of accidents or damages beyond your control requires the right type of insurance. Any business vehicle should be covered by acommercial auto insurance policy. That’s because most private-passenger car insurance policies do not cover damage claims for trucks, SUVs, vans or pickups that are used for commercial use, or the coverage limits on a personal auto insurance policy may be insufficient to pay for accidents and damages involving a vehicle used for work. Two optional coverages you can add to your commercial auto policy to up your protection that are worth considering are collision or upset insurance and comprehensive insurance.  Let’s review what a mandatory policy contains and what these optional coverages provide so you can decide if you need one or both. https://www. zensurance. com/wp-content/uploads/2024/05/May-13-Comm-Auto_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Does a Mandatory or Basic Commercial Auto Insurance Policy Include? What a mandatory or basic commercial auto insurance policy includes is determined by your provincial regulator.  Although there are differences between jurisdictions,most mandatory policies contain the same coveragesand minimumcoverage limits. For example, in Ontario, a minimum, mandatory policy includes: Third-party liability coveragewith $200,000 of coverage (you can increase the amount to $500,000, $1 million, or $2 million). It pays for damages where you are responsible or at fault for an accident resulting in third-party property damage and injuries to or death of... --- ### What Type of Insurance Does a House Cleaner Need? > House cleaners provide an essential service to countless Canadian households. While it doesn’t seem like a high-risk profession, all professions have liability risks. Here’s how professional house cleaners can safeguard their assets. - Published: 2024-05-10 - Modified: 2024-05-10 - URL: https://www.zensurance.com/blog/what-type-of-insurance-does-a-house-cleaner-need - Categories: Insurance - Tags: business insurance, commercial insurance, general liability insurance House cleaners provide an essential service to countless Canadian households. While it doesn’t seem like a high-risk profession, all professions have liability risks. Here’s how professional house cleaners can safeguard their assets. Maintaining the cleanliness of residential homes and providing squeaky-clean excellence is what independent and self-employed professional house cleaners do.  From scouring bathroom fixtures, cleaning kitchen surfaces, and vacuuming and mopping floors to dusting furniture, polishing shelves and picture frames, and decluttering a busy home, house cleaners and housekeepers are essential to countless Canadian households. Data from Statista notes the revenue for professional household cleaners in Canada is projected to reach almost US$1 billion in 2024, and it’s anticipated the market will grow annually by 3. 28% through to 2028. While the market opportunity is on the rise, professional residential cleaners should be aware of their liability risks and have a customizedcleaning business insurancepolicy to offset the threat of expensive accidents or claims made against them by their customers. https://www. zensurance. com/wp-content/uploads/2024/05/May-10-Cleaning-Business_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 5 House Cleaner Insurance Liability RisksWhile professional house cleaning doesn’t seem like a high-risk profession, all professions have liability risks. Even if you’restarting a cleaning business, here are five risks house cleaners face:1. Slip and fall accidentsWet floors make for slick surfaces. If a customer or visitor to their home wipes out on a freshly mopped floor and is injured, you may be liable for their medical expenses. 2. Third-party property damageAccidents do happen even to the most cautious house cleaners. For example, if you accidentally break a lamp or valuable item belonging to the owner while going about your duties, or if a cleaning solution you use damages flooring or furniture,... --- ### 10 General Liability Small Business Insurance Claims > Having general liability insurance as a key plank for your business's risk mitigation strategy is wise. Here are 10 real-life claims highlighting the importance of general liability insurance for any business. - Published: 2024-05-08 - Modified: 2024-05-08 - URL: https://www.zensurance.com/blog/10-general-liability-small-business-insurance-claims - Categories: Insurance - Tags: business insurance, commercial insurance, general liability insurance Having general liability insurance as a key plank for your business's risk mitigation strategy is wise. Here are 10 real-life claims highlighting the importance of general liability insurance for any business. While no business owner or independent professional gets a thrill out of purchasing insurance, you'll be grateful you're covered if sudden and unexpected liability claims against you pop up. Among the most crucial types of business insurance isgeneral liability insurance. It covers third-party bodily injury and third-party property damage claims caused by your business's operations or services. It may also include product liability insurance to cover injuries or damages to customers caused by any product you manufacture, distribute, or sell. If product liability coverage isn't included in your general liability policy, it can be added easily, and it's a wise thing to do. We know froma national survey of Canadian consumers by Zensurancethat they won't hesitate to sue a small business owner or independent professional if they perceive they’ve been wronged or if the work you do for or a product you sold to them results in a customer suffering physical or financial harm. That’s reason enough to get excited about getting insured. https://www. zensurance. com/wp-content/uploads/2024/05/May-8-Gen-Liability_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesHere are 10 general liability insurance claims filed against some of our clients in the past year that show the value of having general liability insurance as a key plank of your business’s risk mitigation strategy:1. Product and Completed Operations Liability ClaimOur client manufactures car wheels. After installing a new car wheel on a customer's vehicle, it was discovered the wheel was defective, resulting in $8,336. 54 worth of damage.  However, the damages to the customer's vehicle were... --- ### 14 Safety Tips for Commercial Roofers > Roofing companies are obligated to ensure the risk of accidents or injuries to workers and third parties is minimized to the greatest extent possible. See our safety tips for roofers to prevent injuries and property damage. - Published: 2024-05-06 - Modified: 2024-05-06 - URL: https://www.zensurance.com/blog/14-safety-tips-for-commercial-roofers - Categories: Small Business Tips - Tags: business insurance, commercial insurance, commercial roofer, commercial roofing, residential roofing, roofer, roofing services Roofing companies are obligated to ensure the risk of accidents or injuries to workers and third parties is minimized to the greatest extent possible. See our safety tips for roofers to prevent injuries and property damage. Heads up! It’s roofing season! Roofing is a dangerous business. Whether a commercial or residential building, no matter how tall that building is, there’s always a risk that a roofer could fall and be seriously injured or killed.  Plus, roofs aren’t designed to manage a lot of foot traffic. So, while inspecting roofs and making repairs or completely replacing them, roofers must strike a delicate balancing act when walking on any roof. Of note,OHS Canadareported an Ontario-based roofing company was fined $137,500 after a contractor who wasn’t wearing fall protection was killed while installing a roof on a private residence. While fall protection equipment was available on site for use at the time of the incident, the worker was not wearing the equipment when they fell from the roof. https://www. zensurance. com/wp-content/uploads/2023/03/May-6-Comm-Roofer_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesRoofing companies have an obligation to ensure safety is ingrained in their culture and that the risk of accidents or injuries to workers and third parties is minimized to the greatest extent possible. Provincial occupational health and safety laws require employers to take every reasonable precaution to protect workers, provide information and instruction, and ensure workers properly use or wear the required equipment. With that in mind, here are 14 essential safety tips for roofing companies and their crews before setting foot on any roof to do the important work they do:1. Wear the Right Clothes and Personal Protective EquipmentIt’s essential to wear flexible, comfortable clothing that doesn’t restrict your movement... --- ### Emergency Preparedness Week: 10 Tips for Small Businesses > Emergency Preparedness Week 2024 runs from May 5 to 11. Download our free emergency supply kit checklist and see our 10 emergency preparedness tips for small businesses. - Published: 2024-05-03 - Modified: 2024-05-03 - URL: https://www.zensurance.com/blog/10-small-business-emergency-preparedness-tips - Categories: Small Business Tips - Tags: emergency preparedness tips, emergency preparedness week, flood, lean waste Emergency Preparedness Week 2024 runs from May 5 to 11. Download our free emergency supply kit checklist and see our 10 emergency preparedness tips for small businesses. How prepared is your small business to withstand and recover from a flood, wildfire, earthquake, or severe windstorm?  Adeptly handling unexpected emergencies and natural disasters and ensuring the continuity of your small business requires thoughtful, in-depth planning. That’s the aim of Public Safety Canada’s annual Emergency Preparedness Week – raising awareness to help Canadians be ready to tackle emergencies by identifying local hazards and taking action to minimize those risks. Emergency Preparedness Week 2024 runs from May 5 to 11. Being prepared to manage disruptions and unexpected events is a year-round effort. However, the first week of May offers an opportunity to learn about what actions your small business can take to reduce the risks you face. With that in mind, here are 10 emergency preparedness tips for small business owners to consider:https://www. zensurance. com/wp-content/uploads/2023/05/May-3-Emergency-Preparedness_Blog-Image. png Download our emergency kit checklist https://www. zensurance. com/wp-content/uploads/2023/05/Zensurance_Emergency-Supply-Kit-Checklist-pdf. jpg Related Posts Categories https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg 1. Know the RisksEach province or region in Canada is subject to various hazards, including floods, wildfires, tornadoes, hurricanes, earthquakes, blizzards, and heavy snowfall.  Identify the natural disasters most likely to affect your business and community, and stay up to date on weather reports and government advisories where you’re located. 2. Create a Business Continuity PlanAs a small business owner, you appreciate the necessity of thoughtful planning and strategizing. Apply the same approach to creating abusiness continuity planfor your business. Keep it simple and easy to follow. Do a risk assessment of the potential threats your business faces... --- ### 10 Tips to Get Your Vacation Rental Property Ready for the Summer > Vacation rental property owners across Canada are eager to attract vacationers to their properties. Before summer gets underway, see our tips for sprucing up your property and ensuring you’ve got the right insurance to cover unexpected damages that may crop up. - Published: 2024-05-01 - Modified: 2024-05-01 - URL: https://www.zensurance.com/blog/10-tips-to-get-your-vacation-rental-property-ready-for-the-summer - Categories: Small Business Tips - Tags: Airbnb, landlord, vacation rental property insurance, VRBO Vacation rental property owners across Canada are eager to attract vacationers to their properties. Before summer gets underway, see our tips for sprucing up your property and ensuring you’ve got the right insurance to cover unexpected damages that may crop up. You can hear the loons calling and birds chirping, which means Canadians are considering booking their next summer adventure. As a vacation rental owner, this means one thing: it’s time to welcome guests eager to experience the unique and awe-inspiring beauty of the Great White North, a destination we are privileged to share with the world. You are far from alone. Statistics Canada shows a growing wave of private short-term rentals is popular and thriving in Canada’s accommodation sector. Short-term rentals (whole homes and condos rented one to 28 days online) doubled in market share from 7% in 2017 to 15. 2% in 2021. Even during COVID, vacation rental property landlords saw smaller revenue declines (-26. 2%) compared to hotels (-38. 1%). That’s good news for vacation rental property owners across Canada who are eager to attract vacationers to their properties, whether a private property listed on Airbnb or VRBO or a listing on an online travel agency (OTA) such as Booking. com or Expedia. https://www. zensurance. com/wp-content/uploads/2022/06/May-1-Vacation-Rental-Prop_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesHowever, before you open the doors and welcome your first summer guests, ensuring your property is in top-notch condition is crucial. Your role in this preparatory work is not just important; it’s a responsibility that can make your rental property the shining star of the summer show. Here are 10 tips to get your vacation rental property sparkling clean, fully equipped, and ready to wow your guests this summer:1. Do a Deep Clean and Refresh... --- ### Tornado Season 2024: What Small Businesses Need to Know > It's estimated that 86 tornadoes touched down in Canada in 2023. See our tips for how business property owners can prepare and minimize damage to their properties from a tornado and other severe windstorms. - Published: 2024-04-29 - Modified: 2024-04-29 - URL: https://www.zensurance.com/blog/tornado-season-2024-what-small-businesses-need-to-know - Categories: Insurance, Small Business Tips - Tags: commercial property, emergency preparedness It's estimated that 86 tornadoes touched down in Canada in 2023. See our tips for how business property owners can prepare and minimize damage to their properties from a tornado and other severe windstorms. When Spring is in the air, Canadians tend to be more cheerful, but they should note that with high spirits comes a high risk of severe weather and natural disasters. While tornadoes are not as common as other extreme weather events, they are a recurring threat that can disrupt business operations. They can cause power outages, supply chain delays, and property and infrastructure damage. Though it is difficult to determine the exact number of tornadoes in Canada, an estimated 86 touched down in 2023, fewer than the 117 recorded in 2022. On average, there are 80 confirmed and unconfirmed tornadoes that hit Canada each year.  Most tornadoes occur in June and July; although their season extends from April to September, they can happen anytime. Southwestern Ontario, southern Quebec, and parts of the Prairies are the regions most often struck. https://www. zensurance. com/wp-content/uploads/2024/04/April-29-Tornado_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesAccording to Public Safety Canada, tornadoes are graded for intensity on the "Fujita scale'' (named after tornado research scientist Ted Fujita), from F-0 (light damage potential) to F-5 (massive destruction). Canada has never had an F-5 tornado. Of Canadian tornadoes, 45% are F-0, 29% are F-1 (moderate damage), 21% are F-2 (considerable damage), 4% are F-3 (severe damage) and 1% are F-4 (devastating). Regardless,small business owners should be preparedfor the possibility of a tornado or any severe weather emergency to try to minimize damage to their properties. What’s the Difference Between a Tornado Watch and a Tornado Warning? It might not... --- ### Is Your Landscaping and Lawn Care Business Protected? > Landscaping and lawn care businesses are gearing up for a busy season managing the health of their customers’ properties. See our tips for ensuring this season is a safe and problem-free one. - Published: 2024-04-24 - Modified: 2024-04-24 - URL: https://www.zensurance.com/blog/is-your-landscaping-and-lawn-care-business-protected - Categories: Insurance - Tags: general liability, landscaping, landscaping insurance, lawn care Landscaping and lawn care businesses are gearing up for a busy season managing the health of their customers’ properties. See our tips for ensuring this season is a safe and problem-free one. It's been said that the one good thing about wintertime is that snow makes your lawn look as nice as your neighbour's.  But now it’s spring, a time of plans and projects. Your landscaping and lawn care business is ramping up to service your customers and make their properties lush, trimmed, and tidy.  But before loading that equipment trailer and firing up your lawn mower or trimming hedges at a customer’s property, take some time to ensure yourlandscaping insurancepolicy adequately covers the potential risks your business faces. https://www. zensurance. com/wp-content/uploads/2023/04/April-24-Landscaping_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories 13 Liability Risks Landscaping and Lawn Care Businesses FaceAlthough this isn't a comprehensive list, here are 13 common liability risks landscaping and lawn care professionals and small businesses face that insurance can help: Third-party bodily injuries to passersby or property owners. Third-party damage to a customer’s or neighbouring property. Failing to provide service as agreed upon to a customer or making a mistake that causes them financial loss. Sudden and unexpected equipment breakdowns caused by internal mechanical or electrical malfunctions. Theft of handheld tools or other equipment from a job site or while in storage. Damage to tools and equipment while transporting them from one location to another. Auto accidents or collisions involving your business vehicle and trailer. Environmental liabilities resulting from exposure to pesticides, herbicides, and other harmful chemicals. Inclement weather conditions that damage vehicles and equipment or result in lost work time. Working near electrical lines. Operating gas-powered machinery like... --- ### Top 5 Risks Cannabis Small Businesses Face > Small business owners in the Canadian cannabis industry know they must overcome several hurdles to determine where and how to budget for success. A cannabis insurance policy can help shield you from potential threats to your business. - Published: 2024-04-19 - Modified: 2024-04-19 - URL: https://www.zensurance.com/blog/top-5-risks-cannabis-small-businesses-face - Categories: Insurance - Tags: cannabis insurance, small business cannabis, small business insurance Small business owners in the Canadian cannabis industry know they must overcome several hurdles to determine where and how to budget for success. A cannabis insurance policy can help shield you from potential threats to your business. Tomorrow it’s 420 Day! April 20 is the annual international counterculture holiday featuring cannabis-oriented celebrations that take place at 4:20 p. m. Created in 1989; the date is considered cannabis culture slang for smoking cannabis and advocating for its legalization. As Canada’s budding medicinal and recreational cannabis industry continues to flourish, small business owners participating in the market must be ready for a myriad of challenges and risks that can affect their operations.  Those risks may lead to expensive third-party lawsuits and reputational damage, which highlights the need for a comprehensivecannabis insurancepolicy. The ever-evolving cannabis industry landscape is one of fierce competition lined with legal and regulatory demands. There are manyregulationssmall businesses in the industry must follow as per the federalCannabis Act. Nevertheless, opportunities abound despite the challenges. https://www. zensurance. com/wp-content/uploads/2021/12/April-19-Cannabis-Store_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesAccording to Statista, there are an estimated 3,188 retail cannabis stores across Canada as of June 2023, with Ontario home to most cannabis stores with 1,536 locations. Statista also notes the cannabis market in Canada is projected to be worth an estimated US$4. 97 billion by the end of 2024 and will grow by 3. 03% from 2024 to 2029, resulting in a market volume of US$5. 77 billion in 2029. Meanwhile, data fromStatistics Canadashows recreational cannabis sales totalled $4. 7 billion in 2023, a 15. 8% increase from 2022. Recreational cannabis was legalized in Canada in October 2018. 5 Liability Risks Recreational Cannabis Retailers FaceFrom cultivators and producers to distributors and... --- ### What Is Completed Operations Insurance for Contractors? > After completing a building or renovation project, what should a contractor or renovation expert do if a customer files a pricey third-party damage claim or lawsuit against them? Here’s how to protect your finances if it happens to you. - Published: 2024-04-17 - Modified: 2024-04-17 - URL: https://www.zensurance.com/blog/what-is-completed-operations-insurance-for-contractors - Categories: Insurance - Tags: completed operations, construction, contractor After completing a building or renovation project, what should a contractor or renovation expert do if a customer files a pricey third-party damage claim or lawsuit against them? Here’s how to protect your finances if it happens to you. All contractors needgeneral liability insuranceas part of their overall policies. No doubt you already knew that. General liability insurance covers you for third-party bodily injuries and third-party property damages resulting from your work and during your usual business activities. It also typically includesproduct liability insuranceto cover bodily harm or property damage to a third party caused by any product you manufacture, distribute, supply, or sell. Furthermore, general liability insurance also usually includes coverage for your completed operations.  Therefore, after a job is done and if a situation arises unexpectedly – for example, a former customer calls you in a rage to tell you the kitchen cabinet you installed for them several months ago suddenly broke free from the wall, smashing the dishware inside it, and leaving large holes in the drywall, and damaging their floor – the completed operations portion of your general liability coverage is designed to pay for the necessary repairs. https://www. zensurance. com/wp-content/uploads/2024/04/April-17-Contractors_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories Is There a Difference Between Completed Operations and Installation Floater Insurance? Indeed, there is. Completed operations coverage within general liability insurance covers the jobs you do for a customer if they suffer an injury or property damage after the work is done. On the other hand,installation floater insuranceis an optional coverage you can add to your policy to pay for damages or losses to the materials you’re using to complete a project before or during installation.  For instance, if building materials you acquire for a renovation... --- ### What Type of Insurance Does a Vape Store Need? > Owning and running a vape shop has pros and cons, including adequately protecting your business and finances from the liability risks you face. Here’s what you need to know. - Published: 2024-04-12 - Modified: 2024-04-12 - URL: https://www.zensurance.com/blog/what-type-of-insurance-does-a-vape-store-need - Categories: Insurance - Tags: business insurance, commercial general liability, retail Owning and running a vape shop has pros and cons, including adequately protecting your business and finances from the liability risks you face. Here’s what you need to know. Promoted as a safer or less harmful alternative to smoking tobacco as well as being more cost-effective for users, vaping nicotine is gaining traction in Canada. According to Statista, the Canadian e-cigarette market is estimated to reach US$1. 4 billion in 2024 and is expected to grow annually by 3. 93% through 2028. That’s good news for vape shop owners, as it shows the potential for earning a high-profit margin. However, there are liability risks for vape store owners. From the threat of property damage caused by fire or water and theft of inventory and merchandise to the risk of cyber-attacks and being liable for the products they sell, business owners need a customizedvape store insurancepolicy to protect their finances. https://www. zensurance. com/wp-content/uploads/2024/04/April-12-Vape-Stores_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What Are the Pros and Cons of Owning a Vape Store? Like any business, there are pros and cons to owning and running a vape store. The pros: It can be a lucrative business that appears to be in a growth industry The customer base can be diverse since it attracts smokers looking for an alternative to smoking tobacco You could expand your product line to sell various flavours, other types of merchandise, or cannabis vaping products If you run an online vape store and avoid opening a brick-and-mortar retail location, you’ll have lower operating costs The cons: Above all, the liability risks. From changing regulations and laws in your province to being responsible for third-party bodily injuries and... --- ### What Type of Insurance Does a Career Coach Need? > Career coaches help a variety of professionals gain a competitive edge for the next chapter in their careers while developing a personal brand that differentiates them. But liability risks can create financial havoc for career coaches. Here’s what every career coach should know. - Published: 2024-04-10 - Modified: 2024-04-10 - URL: https://www.zensurance.com/blog/what-type-of-insurance-does-a-career-coach-need - Categories: Insurance - Tags: business insurance, commercial general liability, professional liability Career coaches help a variety of professionals gain a competitive edge for the next chapter in their careers while developing a personal brand that differentiates them. But liability risks can create financial havoc for career coaches. Here’s what every career coach should know. A professional career coach can help any professional transform their careers by helping them maximize their potential. Career coaches are trained specialists who can create an effective résumé to target specific industries and employers, provide career counselling and planning, and empower their clients by boosting their confidence and interviewing skills.  Anyone who hires a career coach wants to gain a competitive edge over other applicants while developing a personal brand that differentiates them and, ideally, leads them down a more successful career path. However, any professional providing advice and services for a fee can be liable if they make a mistake, fail to deliver a service as promised, or are accused of being professionally negligent. That’s why career coaches need to carry a comprehensivebusiness insurancepolicy. https://www. zensurance. com/wp-content/uploads/2024/04/April-10-Career-Coach_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories Why Do Career Coaches Need Business Insurance? To put it simply, career coaches deal with people, and people can be unpredictable.  Although you may carefully vet your prospective clients before agreeing to work with them and provide your expertise, there are no guarantees that something may backfire and lead to a client filing a claim or lawsuit against you.  Even if your clients sign aclient liability waiverabsolving you from blame or legal action allegingprofessional negligence, there are instances where a waiver may not be enough to shield you from being held liable or sued. Should you be facing legal action or an allegation of professional negligence, business insurance is a better option for protecting... --- ### 5 Ways to Use AI to Grow Your Small Business > Artificial intelligence (AI) has ushered in a new era of technology. Although there are liability risks to be aware of if your small business uses AI tools, there are also opportunities. Here are five ways you can leverage AI in your business. - Published: 2024-04-08 - Modified: 2024-11-29 - URL: https://www.zensurance.com/blog/5-ways-to-use-ai-to-grow-your-small-business - Categories: Insurance - Tags: AI, business insurance, commercial general liability Artificial intelligence (AI) has ushered in a new era of technology. Although there are liability risks to be aware of if your small business uses AI tools, there are also opportunities. Here are five ways you can leverage AI in your business. The business world is abuzz with generative artificial intelligence (AI) platforms, like ChatGPT, DALL-E, DeepAI, and IBM Watson Studio. But AI isn’t just another buzzword. In 2023, the abbreviation of artificial intelligence – AI – was declared the word of the year by lexicographers at theCollins Dictionary, showing how prominent the technology has become in a relatively short time. After all, we’ve entered a new era of technology. Moreover, data highlights how business owners are thinking of integrating select AI tools into their operations if they haven’t already done so. For instance,Statistics Canada’s (StatsCan) datafor the first quarter of 2024 finds that approximately one in seven (9. 3%) Canadian businesses were already using generative AI or plan to do so (4. 6%). However, StatsCan also finds that 72. 7% of Canadian businesses have not considered using AI, with transportation and warehousing companies least likely to (86. 6%) followed by construction businesses (85. 6%). https://www. zensurance. com/wp-content/uploads/2024/04/April-8-AI-in-Business_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesThere are manyways small businesses can leverage AI toolsfor different purposes. To determine the best way forward for your business, think about the parts of your business you want to improve and how this technology can help. For example, generative AI platforms can help employees improve productivity by helping create content, images, and software code. Predictive AI tools can streamline an organization’s operations by analyzing historical data to predict future outcomes. Both require humans to review their output. In the meantime, here are five ways you might consider... --- ### What Type of Insurance Does Your Pool Cleaning Business Need? > As the warm weather returns, Canadian swimming pool owners will open their watering holes to escape the heat. They trust and rely on professional pool cleaners for their expertise, but is your pool cleaning business ready for the season ahead? Here’s what you should know. - Published: 2024-04-05 - Modified: 2024-04-05 - URL: https://www.zensurance.com/blog/what-type-of-insurance-does-your-pool-cleaning-business-need - Categories: Insurance - Tags: business insurance, commercial general liability, swimming pool cleaning As the warm weather returns, Canadian swimming pool owners will open their watering holes to escape the heat. They trust and rely on professional pool cleaners for their expertise, but is your pool cleaning business ready for the season ahead? Here’s what you should know. Residential backyard swimming pools have grown in popularity across the country since 2020. According toStatistics Canada(StatsCan), 18,820 applications for pool permits were logged in 2020. By August 2021, StatsCan data shows 19,306 pool permits were issued. That’s good news for pool builders and for swimming pool cleaning and repair professionals who install, diagnose, treat, repair, and troubleshoot pools’ and hot tubs’ equipment and water chemistry. Residential and commercial swimming pool owners trust and rely on professional pool cleaners and technicians to remove bacteria, make necessary repairs, and maintain the recommended chlorine levels in the water to keep people safe.  It’s a significant responsibility and comes with several liability risks that demand apool cleaning and repair insurancepolicy. https://www. zensurance. com/wp-content/uploads/2023/05/April-5-Pool-Cleaning_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What Risks Does a Pool Cleaning and Repair Business Face? Although there aresteps you can take to ensure your team is ready for the season, any pool cleaning and repair business needs insurance to protect against the various risks and liabilities they face. Liability insurance is critical for any small business owner or independent contractor to safeguard their assets if they need tofile a claimorif a claim is filed against them. Here are some of the reasons why: Accidents and Injuries: Cleaning pools involves using chemicals and working with machinery, which can be dangerous. A pool cleaning business may face claims for bodily injury or property damage resulting from accidents on the job, such as slips and falls, chemical burns, or equipment malfunctions.... --- ### Survey: A Shocking Majority of Canadians Would Sue a Small Business > A new survey of Canadian consumers finds the legal risks confronting small business owners are on the rise, potentially threatening self-employed professionals' and business owners’ financial well-being. Here’s how you can protect your business. - Published: 2024-04-02 - Modified: 2024-04-02 - URL: https://www.zensurance.com/blog/a-shocking-majority-of-canadians-would-sue-a-small-business - Categories: Insurance, Small Business Tips - Tags: business insurance, survey A new survey of Canadian consumers finds the legal risks confronting small business owners are on the rise, potentially threatening self-employed professionals' and business owners’ financial well-being. Here’s how you can protect your business. A new national survey conducted by Zensurance finds that most Canadian consumers (69. 3%) would sue a small business if injured in a slip-and-fall accident, and84. 7%would sue for damages if involved in an auto accident with a business vehicle. Although33%say it’s ‘un-Canadian’ to sue a small business owner, the majority of respondents found something they would sue a business owner over. Furthermore, a combined83. 6%of Canucks believe that Canadians who are financially struggling are more likely (56. 2%) or may be more likely (27. 4%)to sue a small business for aslip-and-fall accident. https://www. zensurance. com/wp-content/uploads/2024/03/Legal-Threat-Business-Survey. pngThe results highlight the heightened risks confronting Canadian small business owners and independent professionals. Notably,a 2023 surveyfound seven out of 10 Canadian small business owners had to deal with a legal dispute in the past three years, representing a 230% increase from 2015. A single lawsuit – even a frivolous one without merit – can cost a self-employed professional, side hustler, or business owner thousands of dollars to defend themselves. A comprehensivecommercial insurancepolicy can help protect business owners from a broad range of expensive damages, including the threat of legal action against them. https://www. zensurance. com/wp-content/uploads/2024/03/Blog-Survery-Q1-2024_Blog-Image-1-desktop. png Top 5 Legal Threats Business Owners FaceA combined total of83. 2%of Canucks think that Canadians are more likely (55. 2%)or may be more likely (28%) to sue a business now than five years ago. The top five reasons respondents say they would sue a small business if they didn't have to pay a lawyer unless they won the... --- ### 4 Common Handyman Insurance Claims > No skilled tradesperson is immune from accidents, making mistakes, or experiencing unexpected damage or loss. Here are four claims handypersons typically face and how insurance helps protect their finances. - Published: 2024-03-27 - Modified: 2024-03-27 - URL: https://www.zensurance.com/blog/4-common-handyman-insurance-claims - Categories: Insurance - Tags: business insurance, handyman No skilled tradesperson is immune from accidents, making mistakes, or experiencing unexpected damage or loss. Here are four claims handypersons typically face and how insurance helps protect their finances. Not long ago, a close friend of mine hired a local handyman in their community to do a few minor repairs around their home. The man he hired had done work for a few of his neighbours, and when my friend asked them about his work, all of his neighbours highly recommended him for his attention to detail, craftsmanship, and fair prices. Interestingly, while doing a walk-through of his home and describing the work he wanted done, my friend asked him if he had business insurance. The handyman turned to face my friend, crooked an eyebrow, and replied, “Business insurance? No. Why would I need insurance for this type of work? ” Yikes. There are manyreasons why a handyman should have insurance. After all, no one is immune from accidents, making mistakes, or experiencing unexpected damage or loss. https://www. zensurance. com/wp-content/uploads/2024/03/March-27-Handyman_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related PostsOn that note, here are four commoninsurance claimsa handyman, handywoman, or handyperson can face:1. TheftUndoubtedly, the theft of a handyman’s tools from an unattended vehicle, storage unit, or job site is the most frequent problem. Replacing quality tools after unknown persons have stolen them isn’t cheap. One of our clients experienced this misfortune. They secured their tools and left them overnight at a job site where they were working. When they returned the following day to begin work, they discoveredtheir tools had been stolen. The good news is they had tools and equipment insurance, and we ensured they received $5,000 to replace them. 2.... --- ### Liquor Liability Insurance vs Host Liquor Liability Insurance: What’s the Difference? > Understanding the distinct differences between liquor liability insurance and host liquor liability insurance is crucial for business owners and hosts alike. Let's explore the unique coverage offered by each, shining light on the importance of securing the right protection for your specific needs. - Published: 2024-03-25 - Modified: 2024-03-25 - URL: https://www.zensurance.com/blog/liquor-liability-insurance-vs-host-liquor-liability-insurance-whats-the-difference - Categories: Insurance - Tags: business insurance, commercial property, liquor liability Understanding the distinct differences between liquor liability insurance and host liquor liability insurance is crucial for business owners and hosts alike. Let's explore the unique coverage offered by each, shining light on the importance of securing the right protection for your specific needs. Regularly selling and serving alcohol at your establishment or temporarily for a party or event presents numerous liability risks for business owners and hosts. In either scenario, a business owner or event host can be liable for accidents, damages, and injuries to someone or others that are caused by an intoxicated person who consumed alcohol on your premises or at your event. For example, data from the Traffic Injury Research Foundation (TIRF) states that 391 Canadians were killed in an impaired driving crash, accounting for 26. 5% of all fatal road crashes in 2021. TIRF survey data from 2023 also finds that 24. 5% of Canadians who admitted to driving after drinking say they consumed alcohol in a restaurant, 6. 2% admit to doing so at a bar or pub, and 1. 4% say they did at a party or event. https://www. zensurance. com/wp-content/uploads/2024/03/March-25-Liquor-Liability_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related PostsSafeguarding against potential financial liabilities stemming from the actions of intoxicated individuals is a critical consideration for both event hosts and business owners. Understanding the distinct scopes of liquor liability insurance and host liquor liability insurance is fundamental in proactively managing these risks. Let’s explore each type of coverage so you can make an informed decision:What Is Liquor Liability Insurance? Liquor liability insurancecovers businesses that sell or serve alcoholic beverages, such as bars and pubs, restaurants, and nightclubs. It’s designed to help business owners pay for costs associated with claims against their establishments alleging third-party bodily injury or third-party property damage... --- ### 10 Ways to Prevent Shoplifting in Your Retail Store > An estimated 57% of Canadian small businesses dealt with theft or shoplifting in 2023. See our tips on how to spot possible shoplifters and the things you can do to prevent shoplifting and theft of your merchandise. - Published: 2024-03-22 - Modified: 2024-03-22 - URL: https://www.zensurance.com/blog/10-ways-to-prevent-shoplifting-in-your-retail-store - Categories: Insurance - Tags: business insurance, commercial crime, commercial property, retail insurance An estimated 57% of Canadian small businesses dealt with theft or shoplifting in 2023. See our tips on how to spot possible shoplifters and the things you can do to prevent shoplifting and theft of your merchandise. Shoplifting is a seemingly small act, but it is a crime that has significant consequences for retailers. By taking merchandise without paying, individuals deprive small businesses of their rightful revenue and disrupt our economic chain.   Shoplifting and theft from retail stores can lead to consumer price hikes, reduced employee hours, and even store closures, impacting the local job market and theoverall economy. That puts the onus on retailers to increase their security measures. According to data from the Canadian Federation of Independent Business, an estimated 57% of small businesses dealt with theft or shoplifting in 2023. Furthermore, the Retail Council of Canada estimates that shoplifting costs Canadian retailers around $5 billion annually. While a comprehensiveretail liability insurancepolicy that includescommercial property insurancecan help a retailer recover from theft-related losses, the best way to prevent or reduce the threat of shoplifting in your store requires knowing what to watch for and taking steps to stop thieves from stealing your goods. https://www. zensurance. com/wp-content/uploads/2024/03/March-22-Retail-Loss_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related PostsLet’s dive into what steps you can take to protect your merchandise from theft:How to Spot Potential Shoplifting SignsBe aware of common shoplifting tactics, as thieves continuously develop new ways to steal without being detected. At a minimum, pay attention to individuals who enter the store regularly without purchasing anything, and look out for individuals who appear uneasy, are loitering, or appear to pick up items with little interest. Familiarity with these most common ploys and behaviours can help you protect your store:DistractionBe mindful... --- ### What Type of Insurance Does a Doula Need? > Doulas do not perform clinical tasks, diagnose medical conditions, or give medical advice, but they do support women throughout their pregnancies. However, with that responsibility come liability risks that should be covered by insurance. Here's what every doula needs to know. - Published: 2024-03-20 - Modified: 2024-03-20 - URL: https://www.zensurance.com/blog/what-type-of-insurance-does-a-doula-need - Categories: Insurance - Tags: business insurance, medical malpractice Doulas do not perform clinical tasks, diagnose medical conditions, or give medical advice, but they do support women throughout their pregnancies. However, with that responsibility come liability risks that should be covered by insurance. Here's what every doula needs to know. There are countless reasons why pregnant couples turn to a doula to support and assist them throughout their pregnancy and childbirth. Doulas are trained professionals who serve as trusted companions and provide personalized care, emotional support, and guidance to couples regarding their childbirth options. Doulas do not perform clinical tasks, diagnose medical conditions, or give medical advice, but they support pregnant women and their partners before, during, and after childbirth.  Although the services doulas provide can positively impact the wellbeing of their clients, they also involve liability risks. Therefore, it's highly recommended for doulas to protect themselves with a comprehensive doula insurance policy. https://www. zensurance. com/wp-content/uploads/2024/03/March-20-Doula_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts What Does a Doula Insurance Policy Include? A doula insurance policy includes two primary types of coverages:  Medical malpractice insurance, also known as medical professional liability insurance, covers claims or allegations of professional negligence, errors, misconduct that can lead to bodily injury. General liability insurancecovers claims of bodily injury or property damage to other people, including your patients arising from your services on your commercial property or during your regular operations. There are additional coverages you can add to your policy to maximize your protection, including:  Commercial property insurance covers your business property, contents, and inventory for losses sustained due to fire or water damage, a natural disaster, theft, and vandalism. You should consider ahome-based business insurance policyif you run your doula practice from home. Legal expense insurancecovers various legal expensesyou incur if you need to hire and... --- ### Want Help Growing Your Small Business? Consider Finding a Mentor > Seeking a mentor to guide your journey can profoundly impact your professional growth and success. Here’s how to find a mentor to help your business grow. - Published: 2024-03-18 - Modified: 2024-04-25 - URL: https://www.zensurance.com/blog/want-help-growing-your-small-business-consider-finding-mentor - Categories: Small Business Tips - Tags: small business growth, small business mentor Seeking a mentor to guide your journey can profoundly impact your professional growth and success. Here’s how to find a mentor to help your business grow. As in all aspects of life, with experience comes wisdom, and that’s where a business mentor can help.  We’ve all had people we’ve looked up to in our lives and those who have taken the time to guide and teach us and help shape who we are today. Maybe it was a family member or close friend, a teacher, a sports coach, or some leader in the community. These influencers were probably our first experience with mentors early in life, even though they were probably not formally chosen for that role.  But now you are asmall business owneror are about to launch astartup. Seeking a mentor to guide your journey can profoundly impact your professional growth and success. But where and how to start? Read our guide for finding the right mentor for your small business:https://www. zensurance. com/wp-content/uploads/2022/01/March-18-Grow-your-small-business_Blog-Image. png Mentor or Coach: What’s the Difference? While there is some overlap between mentoring and coaching, and both provide listening and guidance, mentors tend to be longer business relationships (often throughout one’s whole career). Mentors are often business owners or leaders in a business that interests you. They are generally relationship-oriented and less structured for meetings and advice.  Coaches often make a career out of coaching itself. They may have formal training programs and will set up a structured plan for you. What Is a Business Mentor? A mentor is a businessperson who has been where you are now, has gained relevant experience that is of value to you and offers their... --- ### What Is Catering Liability Insurance? > You need to protect your catering business from financial losses, legal risks, and liabilities arising from your operations. Learn about the liability risks caterers face, how insurance can help, and see our recommended food safety and handling tips - Published: 2024-03-15 - Modified: 2024-04-23 - URL: https://www.zensurance.com/blog/what-is-catering-liability-insurance - Categories: Insurance - Tags: business insurance, caterer, catering, product liability, restaurant You need to protect your catering business from financial losses, legal risks, and liabilities arising from your operations. Learn about the liability risks caterers face, how insurance can help, and see our recommended food safety and handling tips Caterers serve a wide range of clients and events, including office parties, corporate conferences, team-building seminars and events. According to IBISWorld, catering industry revenue in Canada is forecast to rise by 5% to be worth an estimated $3. 9 billion in 2024. Rising consumer spending before 2020 also saw increased spending on private events such as weddings and birthdays.  As caterers’ clients become more discerning, the demand for higher quality products, such as organic and locally produced foods, has come to the fore. Those demands are among the many reasons why it’s imperative catering businesses have a comprehensivecatering insurancepolicy to protect their finances. Catering insurance is a customized policy containing various coverages designed to shield catering companies from financial losses and legal liabilities that could put them out of business. https://www. zensurance. com/wp-content/uploads/2024/03/March-15-Catering_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related PostsLet’s explore the liability risks caterers face and recommended food safety tips:Common Risks Catering Businesses FaceHere’s a taste of the types of liability risks catering businesses face that could cost a caterer thousands of dollars: Foodborne IllnessesCatering businesses can be liable for foodborne illnesses caused by contaminated or improperly handled food. Whether due to improper food storage, inadequate cooking temperatures, cross-contamination, or poor hygiene practices, foodborne outbreaks can lead to legal claims and damage your reputation. Allergen Cross-ContaminationCaterers are responsible for preventing allergen cross-contamination by labelling food items containing common allergens such as nuts, gluten, dairy, and shellfish. If you don’t, it can lead to guests suffering allergic reactions and possibly lead to... --- ### What Insurance Do Franchisees Need? > Being a franchisee offers new and aspiring business owners access to an established brand with built-in recognition and trust. But a franchise isn’t immune to costly unforeseen incidents, and even well-oiled machines can develop a squeaky wheel. Here’s what franchisees should know about protecting their assets. - Published: 2024-03-13 - Modified: 2024-03-13 - URL: https://www.zensurance.com/blog/what-insurance-do-franchisees-need - Categories: Insurance - Tags: business insurance, franchise, general liability, product liability Being a franchisee offers new and aspiring business owners access to an established brand with built-in recognition and trust. But a franchise isn’t immune to costly unforeseen incidents, and even well-oiled machines can develop a squeaky wheel. Here’s what franchisees should know about protecting their assets. For new and aspiring small business owners, becoming a franchisee could be the perfect stepping stone for your entrepreneurial journey.  Imagine having a well-known brand name, a proven business model, comprehensive training, ongoing support, bulk discounts on supplies and marketing materials, national advertising campaigns, more accessible financing, and an established customer base from the get-go. It’s a great option if you’re looking to be your own boss with the security and benefits of a proven system. But just like any business, a franchise isn’t immune to costly unforeseen incidents, and even well-oiled machines can develop a squeaky wheel. That’s why protecting your financial well-being and reputation with a comprehensivefranchise insurancepolicy is vital. https://www. zensurance. com/wp-content/uploads/2024/03/March-13-Frachisees_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts What Is Franchise Insurance? Franchise insurance is part of your business’s risk mitigation andbusiness continuity strategy. It covers a wide range of potential issues, such as property damage, third-party bodily injury claims, cyber-attacks, andlost income due to unexpected closuresfollowing an accident or incident. Although your franchisor may offer liability insurance and require you to have coverage, there could be gaps in the policies they provide or insufficientcoverage limits.  That’s why exploring your options and finding coverage that adequately covers your risks is worthwhile so you can focus on what you do best — delighting your customers and growing yourprofit margin. What Risks Do Franchisees Face? As with any business, owning a franchise comes with risks.  Understanding these risks can help Canadian franchisees take steps to mitigate them and increase... --- ### 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. - Published: 2024-03-11 - Modified: 2024-03-11 - URL: https://www.zensurance.com/blog/5-tips-for-increasing-your-small-business-profit-in-a-slow-economy - Categories: Finance, Small Business Tips - Tags: business insurance, 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. While the Canadian economy avoided slipping into recession in 2023, challenges remain for small businesses to grow their profit margins due to inflation and higher-than-average interest rates.  However, positive signs are emerging. Inflation did dip to 2. 9% in January, nearing the Bank of Canada’s (BoC) preferred target of 2%, and many economists are suggesting the bank will begin to trim its benchmark interest rate in the summer or fall as inflation continues to recede. The BoC’s current interest rate is 5%– higher interest rates make goods and services more expensive for consumers – but some economists predict it’ll be down to 3. 5% by the end of 2024. Regarding the economic outlook for 2024, North America is expected to have the highest growth of advanced global economies. However, that growth will be modest – an estimated 0. 9% for Canada and 2% for the U. S. , our country’s largest trading partner. Think of 2024 as a year of transition for the Canadian economy as interest rates come down and a rebalancing commences into 2025. https://www. zensurance. com/wp-content/uploads/2024/03/March-11-Increase-Profits_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related PostsSo, how can Canadian small businesses increase their profit margins in an economy that’s still recovering? Here are five tips to consider:1. Focus on what you can controlYou can’t control what happens in the world that influences the economy, but you can control what happens within your business, so put the focus on what you can do.  For example, look at your materials purchasing and inventory... --- ### What Type of Insurance Does a Herbalist Need? > Sometimes referred to as holistic health practitioners or herbal practitioners, herbalists offer a holistic approach to health and wellness to address their patients’ health issues or goals. However, herbalists face several liability risks. Here's how you can protect your practice. - Published: 2024-03-08 - Modified: 2024-03-08 - URL: https://www.zensurance.com/blog/what-type-of-insurance-does-a-herbalist-need - Categories: Insurance - Tags: health and wellness, herbalist, medical malpractice, professional liability Sometimes referred to as holistic health practitioners or herbal practitioners, herbalists offer a holistic approach to health and wellness to address their patients’ health issues or goals. However, herbalists face several liability risks. Here's how you can protect your practice. Seeking the help and guidance of alternative health practitioners, including herbalists, is not uncommon in Canada.  According to the federal government, 71% of Canadians use natural health products like vitamins and minerals, herbal products, and homoeopathic medicines. Sometimes referred to as holistic health or herbal practitioners, herbalists offer a holistic approach to health and wellness. They endeavour to tailor herbal remedies to address their patients' health issues or goals using natural health products -- probiotics, herbal remedies, and homoeopathic products. Although it may not be mandatory in some provinces,insurance for herbalistsis essential for protecting their careers, finances, and reputations from the many liability risks they face. Let’s explore why:https://www. zensurance. com/wp-content/uploads/2024/03/March-8-Herbalist_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts What Liability Risks Do Herbalists Face? Herbalists grow and use various parts of plants, such as leaves, roots, bark, and flowers, to create medicinal remedies – teas, capsules, creams – for various health issues. They may also offer consultations with patients and develop treatment plans based on their health challenges and concerns to support their overall well-being while collaborating with other healthcare professionals. Health Canada oversees and regulates the sale of natural health products. The federal agency’sNatural Health Products Regulationsdefine and outline the rules governing how over-the-counter, non-prescription drugs and remedies are distributed and sold. Like other health and wellness practitioners, herbalists face several liability risks, such as: Adverse reactions to herbal remedies causing a patient harm that can lead to third-party bodily injury claims Allegations of misdiagnosis or ineffective treatment Claims of... --- ### What Is Installation Floater Insurance? > Before tackling your next renovation or new build project, take the time to ensure the materials you buy on behalf of a client for that project are covered if something happens to them before you install them. - Published: 2024-03-06 - Modified: 2024-03-06 - URL: https://www.zensurance.com/blog/what-is-installation-floater-insurance - Categories: Insurance - Tags: construction insurance, contractor insurance, installation floater insurance Before tackling your next renovation or new build project, take the time to ensure the materials you buy on behalf of a client for that project are covered if something happens to them before you install them. It’s common for general contractors, renovation experts, and builders to overlook adding installation floater insurance to their policies for a project. But it’s an oversight that can cost you dearly. Installation floater insurance is an optional coverage that pays for damage or loss of the materials or property a contractor purchases for a renovation or new build project while those materials are in transit or before being installed. The coverage applies when building materials are picked up from a home improvement store or manufacturer until installed and are designed to repair or replace damaged, lost, or stolen materials before they’re installed. https://www. zensurance. com/wp-content/uploads/2022/08/March-6-Installation-Floater_Blog-Image. pngInstallation floater insurance protects a contractor’s property or materials at a temporary site, while in transit, or during the installation process until it is installed at the job sitehttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJdYou likely already have acontractor insurancepolicy, but not all policies automatically include installation floater coverage. You can add it to your policy if it isn’t included. For example, let’s say you’re installing new bathroom vanities, sinks, and faucets for a customer. The client has found what they want at various stores, meaning you must travel and pick up every item at different locations across the city. Your first stop is the sink manufacturer’s warehouse. You inspect it, and everything looks fine. Along the way from the sink manufacturer to a home improvement retailer, a driver cuts you off, and you slam on the brakes to avoid getting into an accident. But when... --- ### 10 Flood Prevention Tips for Small Businesses in Canada > Protect your business from spring floods! Learn 10 flood prevention tips & discover resources to prepare your property for flood season in Canada. - Published: 2024-03-01 - Modified: 2024-03-01 - URL: https://www.zensurance.com/blog/10-flood-prevention-tips-for-small-businesses-in-canada - Categories: Small Business Tips - Tags: commercial property, flood Spring approaches, and with it comes flood season. While knowing what to do if your business property floods is important, it’s equally important to be prepared to prevent flood and water damage. Our 10 flood prevention tips can help. Springtime is upon us! March 19 marks the spring equinox, or the first day of spring this year. While that’s warming news for us all, there’s a downside to welcoming spring’s return: flood season. Floods are the most frequent natural hazard in Canada. Generally, our country’s flood season rises during the spring months when melting snow and ice, combined with heavy rainfall, increases water levels in creeks, rivers, and lakes. Although flooding can occur at any time of the year, Canada’s flood risk is highest from April to June. While knowingwhat to do if your business property is floodedis important, it’s equally important to prepare your property to mitigate flood and water damage.  Here are 10 flood prevention and management tips to help reduce damage to your property:https://www. zensurance. com/wp-content/uploads/2024/02/March-1-Flood_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts 1. Know What Your Flood Risk IsLook up your business property’s location using Canada’s flood maps to understand its flood risk. For example, useNatural Resources Canada’s flood mapping resourceto view the flood hazards in your region. 2. Have a Business Continuity StrategyEstablish abusiness continuity planor strategy to deal with unexpected situations like floods and other natural disasters. 3. Do Preventative Maintenance on Foundations and in BasementsSeal internal and external cracks in your foundation and basement, and install a sump pump. Also, ensure cracks around doors, windows, and utility pipes are caulked with a weather protection sealant to prevent water from leaking inside. 4. Get a Water Damage InspectionHire a professional water damage specialist or... --- ### 5 Types of Insurance Every Pest Control Business Should Have > Pest control professionals’ customers rely on them to rid their properties of pesky insects and rodents. However, accidents and mistakes happen in any line of work, and the risks are amplified when using pesticides, poisons, and chemicals. Here’s what you should know. - Published: 2024-02-28 - Modified: 2024-02-28 - URL: https://www.zensurance.com/blog/5-types-of-insurance-every-pest-control-business-should-have - Categories: Insurance - Tags: business insurance, contractor, pest control Pest control professionals’ customers rely on them to rid their properties of pesky insects and rodents. However, accidents and mistakes happen in any line of work, and the risks are amplified when using pesticides, poisons, and chemicals. Here’s what you should know. Pests pose severe risks to homeowners and businesses, leading to potential health hazards and property damage. That’s why pest control contractors are always in high demand. According to IBISWorld, there’s a heightened demand for extermination and prevention services in Canada, with industry revenue expected to grow, increasing an annualized 6. 2% to $2. 2 billion over the five years to 2023. But despite knowledge, experience, and training on effectively managing and eradicating vermin,liability insurance for pest control businesses and contractorsis essential for safeguarding their assets and reputation following insurable losses, damages, and allegations of wrongdoing. https://www. zensurance. com/wp-content/uploads/2024/02/Feb-28-Pest-Control_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts What Liability Risks Do Pest Control Businesses Face? Your customers rely on you to rid their properties of irksome insects (mosquitoes, bed bugs, cockroaches, termites, ants, cluster flies) and rodents (mice, squirrels, rats). However, accidents and mistakes do happen in any line of work, and for pest control professionals, the risks are amplified when using pesticides, poisons, and chemicals.  It’s not just creepy crawlies and rodents that pest control contractors are up against. They also have to contend with liability risks, including: Third-party property damage to a customer’s property, such as flooring, furniture, and landscaping, while applying pesticides and other control measures. Third-party bodily injuries to customers, neighbours, or passersby because of exposure to harmful chemicals that cause them to become ill or if they trip over your equipment while you’re working. Environmental contamination of soil and water at your customer’s property or nearby properties because... --- ### What Is Employers’ Liability Insurance? > Employers’ liability insurance is a form of general liability insurance protecting business owners from legal expenses resulting from employee-related illnesses, injuries, or deaths that occur in the workplace. Here’s why your company needs it. - Published: 2024-02-26 - Modified: 2024-02-26 - URL: https://www.zensurance.com/blog/what-is-employers-liability-insurance - Categories: Insurance - Tags: business insurance, employers liability Employers’ liability insurance is a form of general liability insurance protecting business owners from legal expenses resulting from employee-related illnesses, injuries, or deaths that occur in the workplace. Here’s why your company needs it. The people who work for your business are your most valuable assets.  Your employees are the face of your company and your brand ambassadors. They serve and assist your customers, produce your organization's goods and services, drive profit, solve problems, and attract new talent. You want to treat your employees well and ensure they are adequately compensated and protected, but unfortunately, accidents sometimes happen that result in an employee suffering an injury or illness.  Should such an incident occur to an employee while on your commercial property or elsewhere during their regular duties, the financial liability to cover their medical expenses could fall on you. And those costs could be devastating. That's why every employer should think about includingemployers' liability insurancein their policies. https://www. zensurance. com/wp-content/uploads/2024/02/Feb-26-Employers-Liability_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts What Is Employers’ Liability Insurance, and What Does It Cover? Employers’ liability insurance is a form of general liability insurance. It’s designed to protect business owners or companies if facing an allegation or lawsuit claiming negligence that caused an employee’s injury, illness, or death in the workplace or while on the job.  It covers a business’s legal costs and settlement if an employee sues them for compensation and the employee’s medical expenses, lost wages and future earnings up to the policy’scoverage limit. Although the onus is on the plaintiff or claimant to prove the business was negligent and is responsible for an employee's injury, illness, or death, defending your business from this type of claim or legal action... --- ### What Type of Insurance Does an Immigration Consultant Need? > Learn what risks immigration consultants face and the types of insurance that can protect your finances and reputation following an insurable loss or legal threat. - Published: 2024-02-23 - Modified: 2024-02-23 - URL: https://www.zensurance.com/blog/what-type-of-insurance-does-an-immigration-consultant-need - Categories: Insurance - Tags: business insurance, consultant, consultant insurance, errors and omissions insurance, professional liability Learn what risks immigration consultants face and the types of insurance that can protect your finances and reputation following an insurable loss or legal threat. Providing assistance and guidance to individuals, families, and businesses navigating the complexities of Canadian immigration laws is a heady task, but that’s what immigration consultants do. From helping people apply for visas, permits, and citizenship to advocating for their clients’ immigration applications and educating them about their rights and responsibilities as per Canadian law, immigration consultants play a pivotal role in helping newcomers to Canada stay in the country. According to the College of Immigration and Citizenship Consultants, immigration consultants who are College members must obtainerrors and omissions (E&O) insurance– also called professional liability insurance. But E&O insurance for immigration consultants is only one part of a comprehensivebusiness insurancepolicy Canadian immigration they require. https://www. zensurance. com/wp-content/uploads/2024/02/Feb-23-Immigration-Consultant_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related PostsLet’s go over what risks immigration consultants face and the types of insurance that can protect your finances and reputation following an insurable loss or legal threat:4 Liability Risks Immigration Consultants FaceImmigration consultants face a broad range of liability risks for which liability insurance is necessary. Four of the most common risks include:1. Mistakes and Professional NegligenceYou can be liable for errors, omissions, orprofessional negligencein providing your clients with immigration-related advice, documentation preparation, or application assistance.  For example, if a consultant fails to assess a client's visa eligibility accurately or provides incorrect information on immigration forms, it could lead to delays, rejections, or other adverse outcomes. As a result, your client could make a claim against you for financial losses or damages. 2. Allegations of Fraud and WrongdoingImmigration consultants... --- ### What Liability Insurance Covers Float Tanks? > Small businesses and health and wellness practices offering their clients float therapy face many liability risks. Here’s how you can protect your business’s finances and reputation. - Published: 2024-02-21 - Modified: 2024-02-21 - URL: https://www.zensurance.com/blog/what-liability-insurance-covers-float-tanks - Categories: Insurance - Tags: business insurance, float tank insurance, malpractice insurance Small businesses and health and wellness practices offering their clients float therapy face many liability risks. Here’s how you can protect your business’s finances and reputation. Ah, to be adrift and floating in a lightless, soundless sensory deprivation tank filled with warm Epsom salt water to relax and unwind. There are few comparable ways to decrease stress and anxiety while increasing muscle relaxation, reducing pain, and improving sleep. The health and wellness benefits float tanks can provide are why they became popular in the 1970s. Nowadays, the use of float tanks in several types of businesses is common. Floating – or REST (Restricted Environmental Stimulation Technique) therapy – silences the outside world and gives users a sense of being gravity-free in total darkness. However, business owners offering float therapy need to keep their feet planted firmly on the ground and protect their assets from the liability risks associated with float tanks by purchasing a comprehensivefloat tank insurancepolicy. https://www. zensurance. com/wp-content/uploads/2024/02/Feb-16-Float-Tank_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts What Types of Businesses Have Float Tanks? Float tanks, sensory deprivation tanks, or isolation tanks, are primarily used in the health and wellness and spa industries. Float tanks offer a unique sensory experience for clients seeking stress relief and mental relaxation. Businesses that may offer their clients the opportunity to use a float tank include:Floatation CentresFloatation centres or float spas specialize in offering floatation therapy as a primary service. Spas and Wellness CentresMany traditional spas and health and wellness centres have float tanks to complement their other services, such as massage therapy, facials, and other relaxation treatments. Health and Rehabilitation FacilitiesSome healthcare facilities, including hospitals, physical therapy clinics, and rehabilitation... --- ### Why Do Vending Machine Operators Need Business Insurance? > Vending machine operators face many liability risks. Get an overview of the most common liability risks and what type of insurance can protect your business. - Published: 2024-02-16 - Modified: 2024-02-16 - URL: https://www.zensurance.com/blog/why-do-vending-machine-operators-need-business-insurance - Categories: Insurance - Tags: business insurance, commercial insurance, small business insurance Vending machine operators face many liability risks. Get an overview of the most common liability risks and what type of insurance can protect your business. Vending machines offer a potentially lucrative opportunity for business owners and entrepreneurs.  Data suggests a single food or beverage vending machine earns an average of up to $400 per month, and one in eight vending machines brings in more than $1,000 monthly. According to IBIS World, Canada's vending machine operators industry was worth more than $293 million in 2023. How lucrative it is for you depends on several factors, such as the type of machines, the products they offer, and their locations. For example, a vending machine located in a large, busy fitness centre stocked with energy and protein drinks and healthy snacks, or a machine located in a transit or train station that serves hot coffee, tea, and other beverages for people on the go is likely to ring up consistent sales month-over-month. But you also need to protect your business's money, reputation, and investment in your vending machines. That means getting a customizedvending machine insurancepolicy if something goes wrong. And what can go wrong? Plenty! Let’s look at what a vending machine insurance policy includes and what liability risks vending businesses face:https://www. zensurance. com/wp-content/uploads/2024/02/Feb-21-Vending-Machine_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts What Does a Customized Vending Machine Insurance Policy Include? What a customized insurance policy for your vending machine business includes depends on several factors about your company. Most policies of this type include: General liability insuranceto cover third-party bodily injury or property damage claims. Product liability insuranceto protect you against claims alleging third-party bodily injuries or property damage... --- ### Why Every Small Business Needs a Continuity Plan > A business continuity plan can help your company endure and survive an unexpected crisis or event that can force your business to close. Get an overview of why you need one and how to create a plan that works for your organization. - Published: 2024-02-14 - Modified: 2024-02-14 - URL: https://www.zensurance.com/blog/why-every-small-business-needs-a-continuity-plan - Categories: Small Business Tips - Tags: business continuity, business insurance, emergency preparedness, risk management A business continuity plan can help your company endure and survive an unexpected crisis or event that can force your business to close. Get an overview of why you need one and how to create a plan that works for your organization. You always need a backup plan. That's what a business continuity plan is. A business continuity plan can help your company endure and survive an unexpected crisis or event that temporarily closes your business. Plus, it demonstrates to your employees, business partners, suppliers, and customers that you’re a thoughtful, strategic business owner who doesn’t take unnecessary risks. Likewise, a comprehensivebusiness insurancepolicy inspires trust and confidence in your company and is vital for recovering from accidents and emergencies. Let’s go over what a business continuity plan is and how you can develop one:https://www. zensurance. com/wp-content/uploads/2024/02/Feb-14-Continuity-Plan_Blog-Image. png https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What Is a Business Continuity Plan? A business continuity plan is a strategic document containing critical information any organization needs to continue operating in the face of unexpected disruptions or disasters, such as a cyber-attack that takes a company’s website offline or a fire that damages a commercial property and the business cannot open. The primary goal of a business continuity plan is to minimize downtime, protect assets, and maintain essential services during unforeseen events that could otherwise interrupt a business’s normal operations. What Type of Events Could Force a Business to Close? While we always hope for the best, it’s wise to be prepared for bad things to happen without warning. Any number of unexpected events could force a business to close and possibly threaten its survival, such as: Afirethat damages or destroys a business property, its equipment, and inventory Water damage caused by a leaking... --- ### 6 Ways to Promote and Grow Your Cleaning Business > The professional cleaning industry is highly competitive. That means you’ll need to get creative in promoting your business to attract new customers. See our tips for upping your cleaning business marketing know-how. - Published: 2024-02-12 - Modified: 2024-02-12 - URL: https://www.zensurance.com/blog/6-ways-to-promote-and-grow-your-cleaning-business - Categories: Small Business Tips - Tags: cleaning business, general liability, janitorial insurance, marketing The professional cleaning industry is highly competitive. That means you’ll need to get creative in promoting your business to attract new customers. See our tips for upping your cleaning business marketing know-how. The professional cleaning industry is highly competitive, and though a slowing economy last year caused many organizations to cut back on cleaning services, it appears things are on the rebound. The market for cleaning services in Canada was worth more than US$1. 42 billion in 2023, and data suggests it is expected to grow to be worth US$1. 99 billion by 2032. Now may be the time to position your cleaning business to get new customers and start mopping up. To do that, you need to communicate your cleaning business is reliable, efficient, and does excellent work.  With that in mind, here are six ways to up your cleaning business marketing know-how and grow your bottom line:https://www. zensurance. com/wp-content/uploads/2024/02/Feb-12-Cleaning-Business_Blog-Image. png https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories 1. Always Appear Professional and Define Your BusinessFirst impressions always count. So, ensure your website is easy to navigate and has up-to-date information.  It’s also critical to highlight what defines your business from your competitors. In other words, what’s your unique selling point or proposition? For example, if your cleaning business specializes in using eco- and allergen-friendly cleaning products and practices, make sure that stands out in all your marketing materials and your site.  2. Utilize Social MediaIn addition to having an updated, user-friendly website, leveragesocial media platformsto connect with potential customers and keep existing ones engaged.  If you haven’t already, create profiles on platforms like Facebook, Instagram, and TikTok and regularly share engaging content demonstrating your knowledge and your excellent work.... --- ### Commercial Property Insurance: Actual Cash Value or Replacement Value Coverage? > Significant differences exist between business property policies based on actual cash value or replacement value coverages. Learn what they are and how to decide which policy type suits your small business best. - Published: 2024-02-09 - Modified: 2024-02-09 - URL: https://www.zensurance.com/blog/commercial-property-insurance-actual-cash-value-or-replacement-value-coverage - Categories: Insurance - Tags: actual cash value, business contents, commercial property, property insurance, replacement value Significant differences exist between business property policies based on actual cash value or replacement value coverages. Learn what they are and how to decide which policy type suits your small business best. When purchasing commercial property insurance for your small business, should you choose actual cash value (ACV) or replacement value (RV) coverage? And what’s the difference anyway? Essentially, ACV and RV are two different methods used to determine the compensation you'd receive from your insurance provider afterfiling a claimin the event of a covered loss, such as a fire that damages your business property and inventory.  The difference between them is in how depreciation factors into the equation. Furthermore, whichever option you choose will affect your annual premium and a property claim if you must file one for damage or loss.  Let’s explore the difference between ACV and RV and how each affectscommercial property insurance:https://www. zensurance. com/wp-content/uploads/2024/02/Feb-9-Comm-Property_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What Is Actual Cash Value in a Commercial Property Insurance Policy? Actual cash value in commercial property insurance refers to the property's current market value and represents its replacement cost. Actual cash value is calculated by subtracting the depreciation of the property due to its age and condition from its original price.  Depreciation can be defined as a reduction in the value of an asset with time. For example, if you purchase a new car, its value is at its highest, known as the "initial" value. That is the amount you paid to buy the car when it was new. As soon as you start driving the vehicle, its value decreases because its condition is affected by wear and tear and general use. The same applies... --- ### What Type of Insurance Does an Interpreter Need? > Every act of communication is a miracle of translation, but for interpreters and translators, making mistakes or misinterpreting a communication can have disastrous consequences. Get the straight talk on how interpreters can protect their finances and careers. - Published: 2024-02-07 - Modified: 2024-02-07 - URL: https://www.zensurance.com/blog/what-type-of-insurance-does-an-interpreter-need - Categories: Insurance - Tags: business insurance, errors and omissions, professional liability Every act of communication is a miracle of translation, but for interpreters and translators, making mistakes or misinterpreting a communication can have disastrous consequences. Get the straight talk on how interpreters can protect their finances and careers. Communication makes the world go round. But the words we use are often the source of misunderstandings.  And though it’s been said that every act of communication is a miracle of translation, for professional interpreters and translators whose jobs are to help people speaking different languages communicate and understand one another, making mistakes or misinterpreting communication can have disastrous consequences. That is why interpreter insurance is a must-have for any professional interpreter or translator. Let’s discuss why:https://www. zensurance. com/wp-content/uploads/2024/02/Feb-7-Interpreter-Insurance_Blog-Image. png https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories Lost in Translation: What Liability Risks Do Interpreters Face? In a word, many. Here are a few common liability risks interpreters and translators face daily: Errors, mistakes, and oversights: An interpreter’s mistakes and omissions can lead to financial losses, misunderstandings, oradverse consequences for their customers.   Inaccurate translations: Misinterpretation or inaccurate translations of information can result in misunderstandings, miscommunications, or harm to individuals or companies involved. Privacy violations: Unauthorized disclosure of confidential or sensitive information shared during interpretation sessions, even accidentally, is a violation of your customer’s privacy and security. Legal and regulatory compliance: An interpreter who fails to adhere to industry, provincial, or federal regulations, ethical standards, or legal requirements governing the practice of interpretation can result in significant financial and professional damages. Data breaches: Using technology means there’s always a risk of data breaches, cyber-attacks leading to unauthorized access by others to confidential discussions, or disruptions during remote interpretation sessions. Should any of the above happen, the interpreter will likely... --- ### What Type of Insurance Does Your Home Staging Business Need? > Data says national housing sales will rise in 2024 and 2025. That’s great news for home stagers as their services will be in high demand. But is your home staging business protected from potential liability risks? Here’s why insurance is a must-have. - Published: 2024-02-05 - Modified: 2024-02-05 - URL: https://www.zensurance.com/blog/what-type-of-insurance-does-your-home-staging-business-need - Categories: Insurance - Tags: business insurance, home staging, interior decor, professional liability Data says national housing sales will rise in 2024 and 2025. That’s great news for home stagers as their services will be in high demand. But is your home staging business protected from potential liability risks? Here’s why insurance is a must-have. Inflation and a challenging economy weighed heavily on the real estate market last year. However, the Canadian Real Estate Association (CREA) expects a 10. 4% increase in residential home sales in 2024 versus 2023. Furthermore, it predicts national housing sales will climb by another 7. 3% in 2025 asinterest rates decline. For property owners looking to sell their homes and real estate agents, home inspectors, and home stagers, the CREA’sJanuary 2024 forecastis welcome news. For home stagers, real estate stagers, and interior decorators, possibly more so given the economic lull that hit the real estate market also had a noteworthy impact on the home staging industry.  According to the Real Estate Staging Association, staged homes sell for 25% more than homes without staging, and staged homes spend about 73% less time on the market than non-staged homes. Therefore, home stagers should anticipate their services will be in high demand. https://www. zensurance. com/wp-content/uploads/2024/02/Feb-5-Home-Staging_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesThat means home stagers need to be ready for what’s ahead, including having a customizedbusiness insurancepolicy to protect their finances and reputations. What Liabilities Do Home Staging Businesses and Professionals Face? Enhancing the appeal of residential properties for sale to potential buyers is a big responsibility, and it comes with many liability risks, including: Third-party property damage: A stager may accidentally damage a customer’s home or belongings while working. Third-party bodily injuries: An injury to a homeowner, their guests, or prospective homebuyers during the staging process or after a stager dresses... --- ### What Is Co-Insurance and How Does It Affect Business Property Insurance? > Business owners often overlook insurance coverage for renovations. Learn how co-insurance agreements can safeguard your property, avoiding costly mistakes. - Published: 2024-02-02 - Modified: 2024-02-02 - URL: https://www.zensurance.com/blog/what-is-co-insurance-and-how-does-it-affect-business-property-insurance - Categories: Insurance - Tags: business insurance, commercial insurance, commercial property insurance Co-insurance is an agreement between you and your insurance company. It’s a part of your insurance contract where you agree to maintain your property coverage limit up to the total value to replace it. If you don’t, it can cost you thousands of dollars. Here’s how to avoid that scenario. When determining how much coverage your commercial property insurance policy should have, it’s critical not to underestimate the value of your property, contents, and inventory. It’s also vital to understand how co-insurance clauses can affect your property policy and coverage for any loss of income you suffer following an insurable loss, such as a fire. Co-insurance is an agreement between you and your insurance company. Essentially, it's part of your insurance contract where you agree to maintain yourproperty coverage limitup to the total value to replace it or a stated percentage of the property's replacement value (usually 80% or 90%).  The purpose of co-insurance is to share the risk between a policyholder and the insurance company. It’s designed to ensure a policyholder maintains a proportionate amount of coverage relative to the property's actual cash value or replacement cost. https://www. zensurance. com/wp-content/uploads/2024/02/Feb-2-Co-Insurance_Blog-Image. png https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesInsurers base your annual premium on the understanding that yourcommercial property insurance coveragelimit is adequate. Note: The coverage limit for a building you own is the cost to rebuild the structure, not its “market” value.  A co-insurance clause is a provision commonly found in commercial property insurance policies. It is designed to encourage policyholders to insure their properties to their full value. Meanwhile,the coverage limit for your contentsis the amount it costs to replace all your property should it be destroyed – everything from inventory, office equipment, computers, point-of-sale (POS) systems and light fixtures to your furniture, external store signage and... --- ### Renovating Your Business? Here’s Why You Need to Cover Renovations > A common mistake many business owners make is overlooking the need to insure renovations. Here’s how insurance can help cover your building’s makeover. - Published: 2024-01-29 - Modified: 2024-01-29 - URL: https://www.zensurance.com/blog/renovating-your-business-heres-why-you-need-to-cover-renovations - Categories: Insurance - Tags: business insurance, commercial insurance, commercial property insurance, renovation insurance Undertaking any commercial renovation project requires a significant investment. A common mistake many business owners make is overlooking the need to insure the renovations. Neglecting to do so can be costly. Here’s how insurance can help cover your building’s makeover. It’s exciting to renovate a commercial space your small business bought, leases, or rents or spruce up the existing property your company occupies. Who doesn’t love a makeover? Doing so can enhance the overall look and feel of the place, making it more attractive to customers and employees and contributing to a positive brand image. However, the benefits of renovating your business property go beyond aesthetic appeal. It’s an opportunity to optimize the functionality of your workplace, upgrade technology and infrastructure, enhance the property’s value, and use eco-friendly building materials. Undertaking any commercial renovation project requires a significant investment. Despite that and all the planning and budgeting that goes into a renovation project, many business owners overlook the need to insure their renovations properly. https://www. zensurance. com/wp-content/uploads/2024/01/Jan-26-Restaurant-Reno_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesYou likely already havecommercial property insurance(if you don’t, get covered! ), and that might be sufficient for smaller renovation projects, like remodelling a small office space or installing a new communications system.  For more significant renovations, however, such as entirely redesigning and renovating a restaurant, ensuringbuilder’s risk insuranceor installation coverage protects your project is vital. Let's go over why:What Is Builder’s Risk Insurance or Installation Coverage, and What Does It Cover? It is a type of property insurance policy designed to cover construction and renovation projects from different kinds of property damage. It’s also referred to ascourse of construction insurance. For example, a builder’s risk policy may cover damage or loss to an unfinished structure or... --- ### 11 Reasons Why a Business Insurance Claim Could Be Denied > Sometimes, an insurance company may deny a claim. Here are 11 common reasons why that can happen and what to do if it happens to your small business. - Published: 2024-01-26 - Modified: 2024-01-26 - URL: https://www.zensurance.com/blog/11-reasons-why-a-business-insurance-claim-could-be-denied - Categories: Insurance - Tags: business insurance, commercial insurance, small business insurance Sometimes, an insurance company may deny a claim. Here are 11 common reasons why that can happen and what to do if it happens to your small business. Business owners, entrepreneurs, contractors and self-employed professionals buy business insurance to help them pay for damages and losses if things go wrong or if they’re sued.  Without insurance, one expensive incident, accident, or legal action against you can cost hundreds of thousands of dollars and threaten the financial viability and survival of any small business or self-employed individual. Afterfiling a claimfor loss or damage, the insurance company that protects your business will assign an adjuster to do the following: Investigate the claim to ensure it’s valid(to prevent insurance fraud, a frequent problem that inflates the cost of insurance). Verify your coverage andcoverage limitsbefore determining whether or not your insurer is obligated to reimburse you for your losses. https://www. zensurance. com/wp-content/uploads/2024/01/Jan-29-Claim-Denied_Blog-Image. png https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesAfterfiling a claimfor loss or damage, the insurance company that protects your business will assign an adjuster to do the following: Investigate the claim to ensure it’s valid(to prevent insurance fraud, a frequent problem that inflates the cost of insurance). Verify your coverage andcoverage limitsbefore determining whether or not your insurer is obligated to reimburse you for your losses. Many things can go wrong, resulting in asmall business filing a claim. However, sometimes, an insurance company may deny a claim. If that happens, Zensurance will connect with you to discuss the situation and the options available to you. Here are 11 common reasons why an insurer could deny abusiness insuranceclaim:1. You Don’t Have the Right CoverageIf your insurance policy doesn’t have the... --- ### 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. - Published: 2024-01-19 - Modified: 2024-08-26 - URL: https://www.zensurance.com/blog/10-business-insurance-claims-we-saw-in-2023 - Categories: Finance, Insurance - Tags: business insurance, economy, finance, interest rates 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. There are plenty of reasons to purchase insurance to protect your small business, profession, or side hustle. After all, and according toMurphy’s Law, “Anything that can go wrong will go wrong, and at the worst possible time. ” Not to make light of disasters, accidents, mistakes or injuries, but that old adage has an element of truth. Now, consider all the possible things that could go wrong that could financially devastate your company and financial wellness: A fire could destroy your business property and stock You could be accused ofprofessional negligenceand sued by a customer https://www. zensurance. com/wp-content/uploads/2024/01/Jan-19-2023-Claims_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories Your commercial space could be broken into and ransacked by thieves Your tools and equipment could be stolen from a the trunk of your truck You could be sued for damages by a customerfor a product you sold to them onlineor in-person One of your customers could get injured on your property or as a result of your work You could accidentally damage property that belongs to a customer or third party while working You could be involved in an auto accident Your business could fall prey tointernal theft or fraudand lose thousands of dollars A cyber-attack or data breach could upend your online operations and threaten your business’s survival If any of these or other unfortunate events happened to you, how would you pay for the damages that could easily run into several thousands of dollars? For some professionals or business owners, buyingbusiness insuranceis a... --- ### 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. - Published: 2024-01-17 - Modified: 2024-01-17 - URL: https://www.zensurance.com/blog/will-the-bank-of-canada-cut-interest-rates-in-2024 - Categories: Finance, Insurance - Tags: business insurance, economy, finance, interest rates 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. As we head into the latter half of January, thousands of small business owners and self-employed professionals will closely watch what actions the Bank of Canada (BoC) takes in the days and months ahead. The Canadian central bank’s first interest rate decision and announcement of 2024 is hotly anticipated. Small business owners have been grappling withthe impacts of inflation and higher interest ratesset by the BoC to control it. Although there areactions small businesses can taketo try to reduce the influence of high inflation and higher interest rates, it’s the BoC’s decisions that have the most significant impact on the economy, business owners, and consumers. https://www. zensurance. com/wp-content/uploads/2024/01/Jan-17-Interest-Rates_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories When Is the Bank of Canada’s Next Interest Rate Announcement? The BoC makes eightinterest rate announcementsper year. The first interest rate announcement for 2024 is on January 24. On January 15, the BoC released itsBusiness Outlook Surveyand theCanadian Survey of Consumer Expectations. These reports help guide the bank’s decisions and are updated and published four times a year. Future business outlook and consumer expectations reports will be issued on April 1, July 15, and October 11 this year. The JanuaryBusiness Outlook Surveyshows there were less favourable business conditions in the fourth quarter, with many businesses experiencing declines in their sales volumes. However, the report adds, on balance, businesses expect sales to stabilize over the next 12 months. Meanwhile, theCanadian Survey of Consumer Expectationsfor January shows consumers continuing to report feeling the negative impacts of... --- ### What Is Commercial Crime Insurance? > Commercial crime insurance is designed to cover a business owner’s financial losses resulting from business-related crime, including internal theft by employees, forgery, robbery, and electronic crime - Published: 2024-01-15 - Modified: 2024-01-15 - URL: https://www.zensurance.com/blog/what-is-commercial-crime-insurance - Categories: Insurance - Tags: business property, commercial crime insurance, commercial insurance, commercial property, phishing, small business insurance, vacant property According to data, 75% of employees admit to stealing from their workplaces at least once, and 64% of small business employees pinch or lift funds from their employers. That’s costing Canadian businesses between $1.4 billion and $2 billion annually. Here’s how insurance can help. All small business owners in every industry know they need to be vigilant in protecting their assets from all forms of theft, including internal theft.  Doing so requires a thoughtful loss prevention strategy – practices implemented to minimize or prevent various losses, including theft, fraud, shrinkage, and other risks that could negatively impact your company's assets, profitability, and overall financial well-being.  And while you want to trust the people you hire, unfortunately, your business may be more susceptible to internal crime than you think.  According to data, 75% of employees admit to stealing from their workplaces at least once, and 64% of small business employees pinch or lift funds from their employers. That’s costing Canadian businesses between $1. 4 billion and $2 billion annually. That doesn't mean everyone you hire, including third-party vendors, is a potential thief. However, it does highlight the necessity of having a loss prevention strategy and enhancing it withcommercial crime insurance. https://www. zensurance. com/wp-content/uploads/2022/06/Comm-Crime_Blog-Image. png Commercial crime insurance is designed to cover a business owner’s financial losses resulting from business-related crime, including internal theft by employees, forgery, robbery, and electronic crime https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What Types of Internal Theft Are There? Comedian Rodney Dangerfield once quipped, “One time a pulled a job. I was so stupid. I picked a guy’s pocket on an airplane and made a run for it. ”Witticism aside, internal theft and robbery are no laughing matter. There are several types of internal crime you need to be... --- ### Do You Need Business Insurance for Your Side Hustle? > Surviving in a tight economy or increasing your income requires more than launching a side hustle. It also requires protecting your finances. Here's how you can do that. - Published: 2024-01-10 - Modified: 2024-08-26 - URL: https://www.zensurance.com/blog/do-you-need-insurance-for-your-side-hustle - Categories: Insurance - Tags: business insurance, general liability, side hustle Surviving in a tight economy or increasing your income requires more than launching a side hustle. It also requires protecting your finances. Here's how you can do that. We’re in a tough economic climate right now. Although inflation isn’t as high as a year ago, it remains troublesome as it reduces our purchasing power, creates financial planning challenges, and triggers high interest rates that strain personal budgets.  It’s also led thousands of Canadians to explore options to supplement their incomes by freelancing outside their usual employment, launching a home-based business, or taking on a side hustle. According to one survey, 28% of Canadians are taking on side hustle jobs, up from 13% in 2022. But surviving in a tight economy or getting ahead financially requires more than launching a side hustle. It also requires protecting your finances. That’s why insurance for side hustles or side gigs is imperative – it protects your finances and reputation from expensive liability, damage and loss claims. https://www. zensurance. com/wp-content/uploads/2024/01/Jan-10-Side-Hustle_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 8 Reasons Why Getting Insurance to Cover Your Side Hustle MattersHere are eight reasons why you should consider insuring your side hustle or gig:1. Legal ProtectionBusiness liability insurance provides legal protection if you're sued for property damage or bodily injury claims related to your side hustle. Without it, you could be personally responsible for legal fees and any settlement or judgment, especially if you’re asole proprietor, since that designation isn’t a separate legal entity between your personal and business assets. That leads to our next point. 2. Financial SecurityInsurance protects your personal finances. Without insurance, you may have to pay for legal costs and potential settlements... --- ### How and When to Switch Insurance Companies in 3 Easy Steps > Exploring your options for switching insurance providers to get better coverage and possibly save money on your annual premium is worthwhile. Here's how you can do that. - Published: 2024-01-08 - Modified: 2024-01-08 - URL: https://www.zensurance.com/blog/how-and-when-to-switch-insurance-companies-in-3-easy-steps - Categories: Insurance - Tags: business insurance, general liability, switching insurers Exploring your options for switching insurance providers to get better coverage and possibly save money on your annual premium is worthwhile. Here's how you can do that. Changing insurance providers as your policy is coming up for renewal and before it expires is not unusual, and it may save you money by getting the coverage you need at a better rate. You can switch insurance providers anytime, but if you cancel an existing policy early, you might not be entitled to a pro rata refund on the premium paid.  Abusiness insurancepolicy may also be subject to a minimum retained premium, usually 15% to 25% of the annual premium you have paid. For example, if your minimum retained premium is 25%, and you cancel a policy within the first three months of purchasing it, you will still owe three months' worth of that premium. Therefore, if you're making monthly payments and have only paid for one month, you'll still owe that provider two more months' worth of payments. If, on the other hand, an insurance providercancels your policy, you will receive a proportionate refund of the total premium. https://www. zensurance. com/wp-content/uploads/2024/01/Jan-8-Switch-Insurers_Blog-Image. png https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories When Should You Consider Switching Insurance Providers? Small business owners may consider switching their insurance companies for various reasons, and the decision should be based on a careful evaluation of your needs, coverage, and overall satisfaction with your existing provider.  You can change insurers whenever you want, but you may incur a penalty from your existing insurer if you cancel a policy midterm (short-rate cancellation). It’s best to inquire what the short-rate cancellation might be. If it’s not... --- ### What Does Optional DCPD Commercial Auto Insurance Mean for Ontario Businesses? > Ontario’s insurance regulator has reduced the number of mandatory coverages required in a commercial auto insurance policy by making Direct Compensation-Property Damage (DCPD) optional. Here’s what it means if you opt out of DCPD coverage for your business vehicles. - Published: 2024-01-05 - Modified: 2024-01-05 - URL: https://www.zensurance.com/blog/what-does-optional-dcpd-commercial-auto-insurance-mean-for-ontario-businesses - Categories: Insurance - Tags: commercial auto, commercial auto ontario Ontario’s insurance regulator has reduced the number of mandatory coverages required in a commercial auto insurance policy by making Direct Compensation-Property Damage (DCPD) optional. Here’s what it means if you opt out of DCPD coverage for your business vehicles. As of January 1, 2024, Ontario’s insurance regulator followed through on a provincial government pledge to reduce the cost of auto insurance by making Direct Compensation-Property Damage (DCPD) insurance an optional coverage vehicle owners can choose to opt out of or keep in their policies. Known as the OPCF 49 endorsement, or the “Agreement Not to Recover for Loss or Damage from an Automobile Collision”, the Financial Services Regulatory Authority (FSRA) – Ontario’s insurance regulator –announced the change on its websitein December 2022, giving both private-passenger car insurance and commercial auto insurance policyholders the choice to opt out of DCPD coverage. But should you opt out of DCPD coverage in yourcommercial auto insurancepolicy? And if you do, how does it affect your business vehicle’s coverage? Let’s take a closer look at what DCPD is, how it works, and how it may affect you if you elect not to include it in your policy:https://www. zensurance. com/wp-content/uploads/2024/01/Jan-5-Comm-Auto_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What Is Direct Compensation-Property Damage (DCPD) Insurance? DCPD insurance is designed to protect business vehicle owners from costs related to damage to their vehicles following a collision for which they are not at fault. It allows you tofile a claimfor damage and loss to your vehicle directly to your insurance provider. DCPD helps ensure you are compensated quickly by your insurer to pay for repairs to your vehicle after being in an accident and covers damages to any fixed contents in the vehicle (such as the infotainment... --- ### 10 Trends to Grow Your Small Business in 2024 > A new year is upon us! See the 10 small business trends for 2024 that are poised to dominate the business landscape and can help your company adapt, increase sales, and grow. - Published: 2024-01-03 - Modified: 2024-11-29 - URL: https://www.zensurance.com/blog/10-trends-to-grow-your-small-business-in-2024 - Categories: Small Business Tips - Tags: 2024, business insurance, business trends, general liability A new year is upon us! See the 10 small business trends for 2024 that are poised to dominate the business landscape and can help your company adapt, increase sales, and grow. It’s a new year! That allows your small business to adapt and expand to meet evolving customer demand and increase revenue. Like life itself, your business doesn’t stay the same. It changes. To ensure you’re leading that change and continuing to grow requires embracing new technologies and methodologies. Here are 10 trends to consider utilizing in your small business in 2024 to outfox your competitors, attract new customers and drive consumer loyalty, and grow your bottom line:https://www. zensurance. com/wp-content/uploads/2024/01/Jan-3-Grow-Small-Biz_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 1. Embrace Artificial Intelligence (AI)AI and automation are already dominating the business world, and their influence will grow. Explorehow AI can enhance your business’s processes if you’re not already doing so. That may be deploying chatbots for customer service, using AI for data analysis to make informed decisions, or automating some repetitive tasks with human oversight to achieve more efficient outcomes.  AI doesn’t have to pose an existential threat to your employees. It can be another tool they use to achieve goals and enhance customer service, and most large and small organizations use it. You might be at a competitive disadvantage if you’re not. 2. Offer Employees Remote and Distributed Work OpportunitiesEmbracing remote work capabilities and offering employees flexible work arrangements to improve work-life balance can helpattract and retain talent.  Not all small businesses can leverage remote work. Still, as technology advances, our online collaboration tools will become more common and give you access to a broader talent pool beyond your local neighbourhood. 3.... --- ### How to Avoid Scams When Selling Online > Every retailer selling online or online sellers using third-party marketplaces risks falling prey to fraud and cybercrime. Here are common scams to be wary of and the steps to take to protect your business. - Published: 2023-12-18 - Modified: 2024-08-26 - URL: https://www.zensurance.com/blog/how-to-avoid-scams-when-selling-online - Categories: Cybersecurity - Tags: cyber, cybersecurity, passwords, phishing, selling online Every retailer selling online or online sellers using third-party marketplaces risks falling prey to fraud and cybercrime. During the busiest shopping season of the year, here are common scams to be wary of and the steps to take to protect your business. The holiday season is in full swing as consumers rush to buy gifts for loved ones before Christmas Day. With Boxing Day (or Boxing Week) to follow on December 26, retailers and independent online sellers are busy wooing customers to their websites to sell their products before people exhaust their budgets and start making New Year’s resolutions. In this frenzied shopping season, it’s easy for retailers and online sellers to forget that e-commerce businesses riskfalling prey to online scams and cybercrime. But cybersecurity should always be top of mind for retail businesses and side hustlers selling goods online.  A recent survey of Canadians by credit reporting agency TransUnion of Canada finds a 40% increase in digital fraud attempts in this country during the first half of 2023. Furthermore, the Canadian Federation of Independent Business (CFIB) reported that 45% of small businesses experienced a random cyber-attack in 2022, and 27% experienced a targeted attack. Many attackscame through email scams,phishing attempts, and malicious software. https://www. zensurance. com/wp-content/uploads/2022/10/Dec-18-Selling-Online_Blog-Image-2. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories Every retailer selling online or online sellers using third-party marketplaces like Amazon, Etsy, Shopify, Wayfair, and Depop should ensure they have cyber liability insurance as part of their overall business insurance policies. Insurance is vital, but it alone won’t shield you from online fraud. It’s necessary to be aware of various online scams that could affect your business. Here are seven scams to be wary of and how to avoid them: 1. Fraudulent Delivery ClaimsYou may have had... --- ### What Is Care, Custody, and Control in Insurance? > A care, custody, and control exclusion is noteworthy because it outlines what is not covered by your policy and applies to many types of insurance. Here’s what you should know. - Published: 2023-12-15 - Modified: 2023-12-15 - URL: https://www.zensurance.com/blog/what-is-care-custody-and-control-in-insurance - Categories: Insurance - Tags: business insurance A care, custody, and control exclusion is noteworthy because it outlines what is not covered by your policy and applies to many types of insurance. Here’s what you should know. It’s common for the fine print of a business insurance policy to include exclusions, including one about when you have “care, custody, and control” of someone else’s property. It is vital to understand the significance of that exclusion and how it can affect your policy's coverage. As a business owner, having insurance protects you against many scenarios so damages or losses to your company or your legal liabilities don’t put you out of business. For instance, coverages like commercial liability insurance, business interruption insurance, errors and omission (E&O) insurance or cyber liability insurance are all designed to help you recover quickly from an insurable loss, be it a fire, natural disaster, an allegation ofprofessional negligenceor a cyber-attack. https://www. zensurance. com/wp-content/uploads/2022/10/Dec-15-Care-Custody-and-Control_Blog-Image. pngA care, custody, and control exclusion is noteworthy because it outlines what is not covered by your policy and applies to many types of insurance. Let’s dig deeper to get a better understanding of what this exclusion entails:Understanding Care, Custody, and Control in a Business Insurance PolicyA care, custody, and controlinsurance exclusionis found in many policies – it removes compensation from a policyholder if property that does not belong to them is placed in their care and is damaged or destroyed.  So, if a policyholder damages a customer’s property in their care, custody, and control, their insurance policy is unlikely to cover the damaged, destroyed, or lost property. When Does a Care, Custody, and Control Exclusion Apply? This type of exclusion applies if any one of the three terms is... --- ### How Can Locksmiths Mitigate Their Liability Risks? > Locksmiths maintain the security of homes, businesses, and vehicles. However, they face inherent risks that can jeopardize their financial stability and reputation. Here’s how locksmiths can protect their assets. - Published: 2023-12-13 - Modified: 2023-12-13 - URL: https://www.zensurance.com/blog/how-can-locksmiths-mitigate-their-liability-risks - Categories: Insurance - Tags: commercial general liability, locksmith Locksmiths maintain the security of homes, businesses, and vehicles. However, they face inherent risks that can jeopardize their financial stability and reputation. Here’s how locksmiths can protect their assets. In the intricate world of locks, keys, and security, locksmiths in Canada hold the master keys to safeguarding businesses and homes.  They help maintain the security of homes, businesses, and vehicles. However, they face inherent risks that can jeopardize their financial stability and reputation.  Their expertise in locks, security systems, and access control measures ensures peace of mind and protects their clients’ valuables. Yet, like finding the right keyhole, locksmiths face unique challenges, from liability risks to unforeseen mishaps. Let’s unlock the secrets to safeguarding your locksmith business:https://www. zensurance. com/wp-content/uploads/2023/12/Dec-13-Locksmith_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Liability Risks Do Locksmiths Face? As a locksmith, you are responsible for helping people in difficult situations, and the very nature of locksmithing work exposes you to various liability risks. Not all clients may react positively to your services, and you may face property damage, personal injury, or faulty work claims.  A customizedlocksmith insurancepolicy is vital for protecting your assets. Common liability risks locksmiths face include: Third-Party Property Damage: Accidental damage to clients’ properties during lock installations, repairs, emergency interventions, or modifications can result in significant financial claims. Loss Of Valuables: Claims for lost valuables due to negligent handling of keys, misplaced items, or unauthorized access due to locksmith errors can lead to incidents involving theft or loss of clients’ belongings. Third-Party Bodily Injury:You can be liable for injuries sustained by customers or passersby resulting from your services and might need to pay for their medical expenses and lost wages. Incomplete Or... --- ### How to Prevent Slip and Fall Accidents at Your Business This Winter > Wiping out and getting injured because of snow and ice is one of the most common injuries in Canada. Here’s how you can prevent your customers and employees from taking a tumble on your property. - Published: 2023-12-11 - Modified: 2023-12-11 - URL: https://www.zensurance.com/blog/how-to-prevent-slip-and-fall-accidents-at-your-business-this-winter - Categories: Insurance - Tags: commercial general liability, slip and fall Wiping out and getting injured because of snow and ice is one of the most common injuries in Canada. Here’s how you can prevent your customers and employees from taking a tumble on your property. December 21 is the first day of winter (hooray? ). The2024 Old Farmer’s Almanacpredicts it’ll be a snowy, cold winter for most of the country but mild and wet in parts of the east coast. Wherever your business is, as a small business owner, a slip and fall could mean more than an unhappy customer, employee, or service provider. According to the Canadian Centre for Occupational Health and Safety, 67% of falls happen because of wet surfaces, weather hazards, and loose rugs or mats. A customer falling and being injured on your premises could result in an expensive lawsuit. Thoughgeneral liability insurancemay cover an injured person’s medical expenses and financial support if you’re sued, it can’t compensate you for the time you’ll have to spend with your lawyers as the case moves through the legal system. https://www. zensurance. com/wp-content/uploads/2022/12/Dec-11-Prevent-Injury_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesMinimize your company’s risk ofa slip and fall insurance claim. Whether you have a home-based business, a retail storefront, or an office or warehouse, taking a few precautionary measures inside and outside can help ensure no one takes a tumble and is injured. How to Avoid Slips, Trips, and FallsTo ensure a safer workplace, start by doing a walkabout to identify areas where: Lighting may be poor Walking surfaces may be uneven or broken Handrails may be lacking Ideally, this walkabout should include more than one person to gain different perspectives. For example, you may find the lighting just right, but someone else may find... --- ### Why Errors and Omissions (E&O) Insurance Is Vital for Consultants > E&O insurance safeguards consultants and other professionals who advise and consult with their clients. Here’s how it can protect your finances and reputation. - Published: 2023-12-08 - Modified: 2023-12-08 - URL: https://www.zensurance.com/blog/why-errors-and-omissions-eo-insurance-is-vital-for-consultants - Categories: Insurance - Tags: consultant, E&O insurance, errors and omissions, self-employed, small business E&O insurance safeguards consultants and other professionals who advise and consult with their clients. Here’s how it can protect your finances and reputation. People are prone to making mistakes. Errors are inherent to human nature. In the constantly changing business environment, mistakes are an unavoidable reality. However, these perceived or actual mistakes can have significant financial consequences for professionals and their businesses.  Entererrors and omissions (E&O) insurance— a crucial shield that can help protect professionals from the outcomes of alleged professional negligence or errors. What Is E&O Insurance? E&O insurance safeguards consultants and other professionals who advise and consult with their clients. It is intended to protect professionals from liability arising from mistakes or negligence in providing their services.  https://www. zensurance. com/wp-content/uploads/2023/12/Dec-6-Consultants_Blog-Image. png https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJdWith financial loss and reputational damage as a potential consequence, obtaining this form of insurance is a wise and responsible decision for any business professional. Legal disputes can arise unexpectedly, and their financial repercussions can be significant. That is where E&O insurance comes in, providing financial cover against unforeseen circumstances. Even if you are not found liable for a claim, E&O insurance covers the cost of your legal defence, giving you peace of mind and protecting your finances. 7 Myths and Truths About E&O Insurance 1. Myth: E&O insurance is only for large businesses and corporations. Truth:Many small businesses or independent professionals may assume they are not exposed to risks and do not require E&O insurance. However, the fact is that regardless of the size of the business, anyone can make mistakes or be accused of negligence. It is equally essential for companies of... --- ### What Is a Business Insurance Grace Period? > A grace period is when a policyholder must make a premium payment that’s past due before their policy lapses or is cancelled by an insurance provider. Learn how grace periods work and what to do if you’re late making a payment. - Published: 2023-12-06 - Modified: 2023-12-06 - URL: https://www.zensurance.com/blog/what-is-a-business-insurance-grace-period - Categories: Insurance - Tags: business owner, grace period, self-employed, small business A grace period is when a policyholder must make a premium payment that’s past due before their policy lapses or is cancelled by an insurance provider. Learn how grace periods work and what to do if you’re late making a payment. Look up the definition of ‘grace period’ in a dictionary (or on Google), and you’ll find it can mean ‘courteous goodwill’. Who couldn’t use some of that occasionally? As it pertains to abusiness insurancecontract (your policy is a contract between you and your insurance provider), a grace period is when a policyholder has to make a premium payment past due before their policy lapses or is cancelled by an insurance provider. It’s designed to provide a buffer for policyholders facing temporary financial challenges making their premium payments on time. https://www. zensurance. com/wp-content/uploads/2022/10/Dec-8-Insurance-Grace-Period_Blog-Image. png https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJdInsurance policy grace periods can vary depending on the insurance provider and your policy type. Usually, a business insurance grace period is a maximum of 30 days, but it can be as little as 24 hours. Read your insurance policyto know what your grace period is, as it will be stated in that document. How Does a Business Insurance Grace Period Work? Grace periods are not unique to small business insurance contracts. They are commonly built into other contracts, including mortgages, loans, and your home and auto insurance policies. They allow extra time to pay your premium if needed, preventing your policy from being cancelled. Some insurance providers may charge a policyholder a small penalty or fee when making a late payment during the grace period. However, most providers offer flexible payment options if additional time is needed to update your account. Sometimes, an insurance provider may waive a late payment... --- ### You Own Development Land and Plan to Build – Get Insurance First > It’s a common misconception you can save money by postponing purchasing business insurance before initiating construction on undeveloped land. Here’s why land developers and construction firms need it before breaking ground. - Published: 2023-12-04 - Modified: 2023-12-04 - URL: https://www.zensurance.com/blog/you-own-development-land-and-plan-to-build-get-insurance-first - Categories: Insurance - Tags: builder's risk, construction insurance, contractor, general liability It’s a common misconception you can save money by postponing purchasing business insurance before initiating construction on undeveloped land. Here’s why land developers and construction firms need it before breaking ground. Land developers, builders, and construction companies that acquire plots of vacant land with plans to develop them for residential or commercial buildings might think there’s little need to get insurance in place until they break the ground and begin to build. But think again. It’s a common misconception that you can save money by postponing purchasing business insurance before initiating construction on undeveloped land, but the opposite is true. Doing so after the fact can make getting insured more difficult and could lead to a higher premium. Therefore, a construction business or land developer should have business insurance before starting a construction project to cover a range of risks and liabilities that can arise during the construction process. After all, insurance is a crucial risk management tool in theconstructionand land development industry that provides financial support against unforeseen events, legal liabilities, and financial losses. It is the best way to protect your investment and business. https://www. zensurance. com/wp-content/uploads/2023/12/Dec-4-Land-Dev_Blog-Image. png https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Are the Risks of Developing Land Without Insurance? The consequences of initiating land development without insurance can be severe. Some of the primary liability risks you may face include:Third-party property damagesA developer may be personally exposed to the risk of property damage during development, from accidental damage to existing structures, neighbouring properties, or environmental harm. Third-party bodily injuriesIn the absence of liability insurance, the developer may be personally responsible for any injuries on the construction site, such as injuries to visitors, passersby, or... --- ### Zensurance Business Grant Winner 2023: Malartic Design + Builds > Hugo Latreille, owner of Ottawa-based Malartic Design + Builds, is crowned the $10,000 Zensurance Small Business Grant 2023 winner. Read our Q&A interview with Latreille to learn more about his company and his advice for other Canadian small business owners and entrepreneurs. - Published: 2023-12-01 - Modified: 2024-11-29 - URL: https://www.zensurance.com/blog/zensurance-business-grant-winner-2023-malartic-design-builds - Categories: Small Business Tips - Tags: business grant, contractor, grant24, small business grant, Zensurance grant Hugo Latreille, owner of Ottawa-based Malartic Design + Builds, is crowned the $10,000 Zensurance Small Business Grant 2023 winner. Read our Q&A interview with Latreille to learn more about his company and his advice for other Canadian small business owners and entrepreneurs. Zensurance is pleased to announce thatMalartic Design + Buildsis the winning applicant for our2023 Small Business Grant. Ottawa-based Malartic Design + Builds was started in early 2023 byHugo Latreille, an architectural designer who left the firm he was working for to launch his own business. His goal is to build custom-made homes that are eco-friendly and affordable to own. Latreille was among the top five finalists announced on November 15 out of thousands of Canadian small businesses and entrepreneurs who applied for the Zensurance Small Business Grant. His application stood out for its depth and detail about how and why he started his business, what his short- and long-term goals are, how he contributes to positive social change in his community, and how the $10,000 Zensurance Small Business Grant will contribute to his company’s growth and success. https://www. zensurance. com/wp-content/uploads/2023/12/Winner-Cheque-Photo_blog500x333. jpg https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesBelow is our Q&A interview with Latreille to learn more about his company and seek his advice for other Canadian small business owners and aspiring entrepreneurs:Zensurance: Tell us about Malartic Design + Builds. What do you do? Hugo Latreille: When I first started, I wanted to be the IKEA of custom homes – and I don't mean that in a bad way; often, IKEA gets a bad name. IKEA was able to produce furniture inspired by high-end contemporary design at a much lower price point. We wanted to do the same – use our training in architecture to create homes that were high-end... --- ### How Contractors Can Use Insurance to Manage Legal Disputes > If a contractor is embroiled in a disagreement or dispute with a customer or partner, it can be a stressful and time-consuming matter that could result in a costly lawsuit. Here’s how insurance can help you avoid or manage that scenario. - Published: 2023-11-29 - Modified: 2024-12-10 - URL: https://www.zensurance.com/blog/how-contractors-can-use-insurance-to-manage-legal-disputes - Categories: Insurance - Tags: contractor, contractor liability, legal expense If a contractor is embroiled in a disagreement or dispute with a customer or partner, it can be a stressful and time-consuming matter that could result in a costly lawsuit. Here’s how insurance can help you avoid or manage that scenario. Most of the time, the work general contractors do goes smoothly and results in a delighted customer. However, there are also times when disagreements, arguments, or misunderstandings arise.  Under such circumstances, it can sometimes lead to a lawsuit or an unresolved situation that can drag on for months or years, costing a contractor thousands of dollars and significant stress. But it doesn’t have to be that way. Contractor liability insurancecan help in such circumstances. Let’s go over how:https://www. zensurance. com/wp-content/uploads/2023/11/Nov-29-Contractor-Legal_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories Insurance by Region Contractor Insurance Alberta Contractor Insurance BC Contractor Insurance Halifax Contractor Insurance Ontario 9 Ways Contractor Insurance Helps Resolve Legal DisputesHere are nine ways a contractor insurance policy can help deal with a dispute you have with a customer or business partner:1. Notify Your Insurance BrokerThe first step ispromptly notifying your Zensurance brokerabout the legal dispute. That may involve filing a claimand providing your broker with all relevant details about it. For example, it may be possible for us to help a contractor avoid being sued if they make a mistakeas we did in this instance. 2. Cooperate with Your Insurance Provider’s InvestigationFully cooperate with your insurance provider’s investigation. Afterfiling a claimthrough Zensurance, we will assist you by ensuring the claim is acknowledged and addressed immediately by your insurance provider. It’s an adjuster appointed by your insurance provider that investigates a claim and makes a decision on how to proceed. As part of that investigation, the adjuster may ask you directly... --- ### 13 Reasons Why You Should Insure Your Home-Based Business > There's a lot to like about running a home-based business, but you also must consider the liability risks every small business has. Here are reasons you need business insurance and tips for mitigating those risks. - Published: 2023-11-27 - Modified: 2023-11-27 - URL: https://www.zensurance.com/blog/13-reasons-why-you-should-insure-your-home-based-business - Categories: Insurance - Tags: business insurance, daycare insurance, Etsy, freelance writer, home business insurance, home-based business, shopify, tutor There's a lot to like about running a home-based business, but you also must consider the liability risks every small business has. Here are reasons you need business insurance and tips for mitigating those risks. Running a home-based business has many benefits – there’s no need to commute to an office, flexible hours, and fewer expenses such as gas and food court lunches.  Operating your business from home also has less overhead, if only because you’re not paying rent for a commercial space. You also can enjoy tax advantages because the Canada Revenue Agency lets home-based businesses and self-employed contractors makedeductions to reduce the taxes they owe. But unique obligations also come with running a business from home. You could be subject to local zoning laws, or there may be municipal and provincial legal requirements you must fulfill, and you may require a business licence to operate. https://www. zensurance. com/wp-content/uploads/2022/07/Nov-27-Home-Business_Blog-Image. pngSo, do you needbusiness insurance to run your company? A private home insurance policy doesn’t cover many aspects of home-based businesses, including third-party liability, which is likely your most significant risk.  Here are 13 reasons why you should get ahome-based business insurancepolicy:1. Home Insurance Doesn’t Cover Business Liability RisksYour house or condo insurance policy covers unexpected events, such as fire, that might affect your residence. However, most homeowner policies don’t cover business-related liability claims, and your home insurance policy could be voided if your insurer doesn’t know you’re running a business from home. Commercial property insurancecovers your home-based business if affected by fire, water damage, a natural disaster, theft, and vandalism.  2. Protection for Your InventoryYou should cover your inventory or merchandise if you sell or resell products from your home. A comprehensive home-based business... --- ### What You Need to Know About Liquor Liability for Your Party or Event > Whether hosting a company or private event to celebrate the holidays and New Year or throwing a party at any time of the year, you face liability risks (even if no alcohol will be served). Here’s what you need to do to protect yourself. - Published: 2023-11-24 - Modified: 2023-12-06 - URL: https://www.zensurance.com/blog/what-you-need-to-know-about-liquor-liability-for-your-party-or-event - Categories: Insurance - Tags: Christmas, general liability, liquor liability, New Years party Whether hosting a company or private event to celebrate the holidays and New Year or throwing a party at any time of the year, you face liability risks (even if no alcohol will be served). Here’s what you need to do to protect yourself. As we inch closer to the end of another year, many business owners and individuals are making plans to mark the occasion by celebrating with employees, colleagues, and friends.  Those plans might include hosting an event or party in an office, a private residence, or a rented venue to revel in the past year’s accomplishments and ring in the new year. Even if your gathering happens at another time of the year, as the host, you face liability risks – especially if alcohol will be served. That calls for partyalcohol liability insurance. But even an alcohol-free get-together is not without the possibility of something going wrong unexpectedly and injuries to individuals or damages occurring to the venue. Should that happen, you could be liable for paying for those mishaps without insurance, which can easily cost thousands of dollars. https://www. zensurance. com/wp-content/uploads/2023/11/Nov-24-Liquor-Liability_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesLet’s explore those risks and how a customized liability insurance policy can protect your finances, whether you’re aprofessional event planneror not. Hosting an Event With Alcoholic BeveragesAny private party, staff celebration, or corporate event that involves selling or serving alcoholic beverages poses significant risks regardless of where the event occurs. For instance, if one of your guests becomes intoxicated and hurts themselves or someone else, you could be held responsible for their actions. Liquor liability insuranceis designed to protect you from losses, damages, or other expenses arising from the injury or death of a person or damage to property where alcohol that was... --- ### What Type of Insurance Do Christmas Tree Farms Need? > At the risk of sounding like Scrooge, Christmas tree producers have to contend with more than inflation and the impacts of climate change on their farms. They also face significant liability threats that could quickly upend their businesses. Here’s how insurance can help. - Published: 2023-11-22 - Modified: 2023-11-22 - URL: https://www.zensurance.com/blog/what-type-of-insurance-do-christmas-tree-farms-need - Categories: Insurance - Tags: Christmas, general liability, product liability At the risk of sounding like Scrooge, Christmas tree producers have to contend with more than inflation and the impacts of climate change on their farms. They also face significant liability threats that could quickly upend their businesses. Here’s how insurance can help. O Christmas tree, O Christmas tree, how you define the festive season! And that season is approaching quickly, meaning Christmas tree farm owners, producers, and growers are getting ready to harvest their trees to sell publicly. According to Statistics Canada, the 2021 Census of Agriculture states that 1,364 farms grow Christmas trees for sale. Moreover, StatsCan says there are 1,895 nursery and tree production businesses that grow Christmas trees, and Canadian Christmas tree producers earned over $163 million in 2022. Although Christmas trees are becoming more scarce as the climate changes, prices for trees were up by an average of 10% last year, according to theCanadian Christmas Trees Association, and business continues to boom. https://www. zensurance. com/wp-content/uploads/2023/11/Nov-22-Tree-Farm_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesAt the risk of sounding like Scrooge, Christmas tree producers and growers have to contend with more than inflation and the impacts of climate change on their farms. They also face significant liability threats that could quickly upend their businesses. That’s why investing in a comprehensivebusiness insurancepolicy is critical.  What Does Christmas Tree Farm Insurance Include? A Christmas or holiday tree farm insurance policy usually includes the following types of coverages:General Liability InsuranceGeneral liability insurance protects your tree farm from third-party bodily injury or property damage claims. It pays for customer injuries or damages to their property that occur on your farm. For instance, if you welcome customers onto your property to cut down a tree, and a child falls and is hurt while running about on... --- ### What Insurance Does a Beauty Salon Need? > Beauty salon owners can suffer more than a bad hair day. That’s why liability insurance for salon owners and beauticians is crucial: it mitigates the financial risks they face when things go wrong. Here’s why your beauty salon needs insurance. - Published: 2023-11-20 - Modified: 2023-11-20 - URL: https://www.zensurance.com/blog/what-insurance-does-a-beauty-salon-need - Categories: Insurance - Tags: beautician, beauty insurance, skincare Beauty salon owners can suffer more than a bad hair day. That’s why liability insurance for salon owners and beauticians is crucial: it mitigates the financial risks they face when things go wrong. Here’s why your beauty salon needs insurance. It’s been said it doesn’t matter if your life is perfect so long as your hair colour is. As amusing as that sounds, independent beauticians and those working in a salon – hair stylists, nail and eyelash technicians, cosmetologists – can be life-changers.  Their expertise and services enhance their clients’ physical appearance, give them self-confidence, and contribute to their overall well-being with personal grooming, skincare, and hair styling services. But as in any industry or business, sometimes things can go wrong or accidents happen. That’s why a customizedbeauty insurancepolicy is vital for salon owners. It safeguards salon owners’ assets and reputations if there’s an accident or an injury to a client. https://www. zensurance. com/wp-content/uploads/2023/11/Nov-20-Salon_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesIn general, liability insurance is necessary for covering a broad range of expenses, from legal fees if you’re sued to preventing financial hardship after a fire forces the closure of your salon. What Liability Risks Do Beauty Salons Face? Beauty salons face many liability risks, such as: You could cause an allergic reaction, cut, or burn to a client after an aesthetic treatment. A fire or burst pipe could damage your salon and its belongings, forcing you to close while repairs are made. A dissatisfied client may sue you for professional negligence or harm. A client maysue a hair stylist for poor hair care. If salon equipment breaks, it could hurt people or be useless. A cyber-attack could compromise your business’s and clients’ confidential information. A wet floor, cluttered walkway,... --- ### Do You Need D&O Insurance or E&O Insurance? > Find out what type of liability coverage your small business needs to protect yourself against the financial impacts of decisions or judgments and settlements from lawsuits or claims related to your services. - Published: 2023-11-17 - Modified: 2024-12-18 - URL: https://www.zensurance.com/blog/do-you-need-do-insurance-or-eo-insurance - Categories: Insurance - Tags: accountant, D&O insurance, directors and officers insurance, e&o claims, E&O insurance, errors and omissions insurance, fintech, insurance for accountants Find out what type of liability coverage your small business needs to protect yourself against the financial impacts of decisions or judgments and settlements from lawsuits or claims related to your services. You’re looking to safeguard your business with a business insurance policy. Of course, it’s a wise move. But with all these acronyms and similar-sounding insurance policies, choosing the coverage you genuinely need can get confusing. On that note, let’s break downD&O insuranceandE&O insurance– only one letter separates them, but their coverages are notably different.  First, let’s review what they cover and whether your business needs D&O insurance, E&O insurance, or both. https://www. zensurance. com/wp-content/uploads/2023/11/Nov-17-DO-EO_Blog-Image. png What Is Directors and Officers (D&O) Insurance? Directors and officers (D&O) insurance, commonly called management liability insurance, provides financial protection to a company and its directors and officers who have been sued due to an error (or alleged error) they made while managing a company. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesD&O insurance can cover a variety of claims. Here are some situations where a D&O insurance policy could provide protection when facing damage claims: Unfair business practices Making decisions without the necessary authority Negligent professional behaviour Misleading statements or inaccurate reporting Acts of harassment or discrimination Breach of legal or fiduciary duties Conflicts of interest Release of non-public information Poor management of funds Bad investment decisions Employment-related claims What Type of Small Business Needs D&O Insurance? Any small business with a board of directors, officers, or key decision-makers should have D&O insurance, such as: Small, publicly held companiescan face lawsuits from employees, shareholders, or other stakeholders for alleged mismanagement, wrongful termination, or other decisions made by directors or officers. Nonprofit organizationstypically have a board... --- ### Can a Youth-Owned Business Be Insured? > Entrepreneurs are often ahead of their time as they fearlessly push the limits. Sometimes, they may be so far ahead of their peers that they aspire to launch a business before they’re 18 years old. Here’s how a youth can get liability insurance for a startup. - Published: 2023-11-15 - Modified: 2023-11-15 - URL: https://www.zensurance.com/blog/can-a-youth-owned-business-be-insured - Categories: Insurance Entrepreneurs are often ahead of their time as they fearlessly push the limits. Sometimes, they may be so far ahead of their peers that they aspire to launch a business before they’re 18 years old. Here’s how a youth can get liability insurance for a startup. Young entrepreneurs launching startups are the future champions of the Canadian small business community. They search for a need to change a way of doing business or overhaul an industry and exploit and disrupt it, or they provide services in their communities from auto detailing to pet sitting.  Often, these visionary upstarts may be ahead of their time as they fearlessly push the limits. Sometimes, they may be so far ahead of their peers that they aspire to launch a business before they hit the legal age of 18. That begs the question: Can a youth-owned business or teenage entrepreneur getbusiness insuranceto protect their assets and reputations? Let’s zero in on what you need to do:https://www. zensurance. com/wp-content/uploads/2023/11/Nov-15-Youth-Business_Blog-Image. png https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Steps Does a Youth Need to Take to Start a Business in Canada? You’ve got a stellar idea and want tolaunch your own business. But where to start? Here are a few recommended steps to take: Determine What Type of Business You Want Whether you fancy starting your ownlandscaping and lawn care company, launching atechnology startup, or establishing ane-commerce business, research to ensure there’s a need for what you want to sell or provide. Identify who your future customers are and how your business can help them resolve their problems or provide them with the products and services you can offer. Test Your Idea Get your classmates, teachers, friends, and family involved by getting their thoughts on your business idea. If you’re creating... --- ### What Is a Deductible for Small Business Insurance? > A deductible is your share of the cost for damage or loss when you make a claim with your insurance provider. They can also help keep your annual premium low. Learn more about deductibles and why they matter. - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/what-is-a-deductible-for-small-business-insurance - Categories: Insurance - Tags: cancel policy, deductible, deductibles, general liability A deductible is your share of the cost for damage or loss when you make a claim with your insurance provider. They can also help keep your annual premium low. Learn more about deductibles and why they matter. Insurance can give your small business peace of mind when things go wrong. But remember to factor in the insurance deductible in your policy if you want to avoid another unwanted surprise. There are different types of deductibles forsmall business insurance– they are necessary – but how much your deductible is can vary depending on your coverage. What Is a Business Insurance Deductible? A deductible is your share of the cost for damage or loss when you file a claim with your insurance provider. https://www. zensurance. com/wp-content/uploads/2022/10/Nov-8-Deductible_Blog-Image. pngFor example, suppose your commercial property incurs water damage, but the damage is limited. In that case, it might not make sense to file a claim if the value of the damage is less than the deductible. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesA deductible can help keep your premium low. If you want a lower annual insurance premium, select a higher deductible. Remember that if you opt for a higher deductible to reduce your premium, you’ll need the cash to pay it when you make a claim. Are There Different Types of Deductibles? Just as there are different types of business insurance products, there are different types of deductibles. So, while aiming your insurance premium as low as possible makes sense, having a low deductible and paying a slightly higher premium may be worthwhile, depending on your coverage needs. Deductibles vary based on the type of insurance. Here are a few common ones: Standard deductiblesare fixed-dollar amounts that apply to each... --- ### Protect Your Pipes: Why Plumbers Can’t Afford to Ignore Liability Insurance > Plumbing is a demanding and complex profession, and even the most meticulous and skilled plumbers can make mistakes. Here are six reasons why every plumbing contractor should have liability insurance. - Published: 2023-11-03 - Modified: 2023-11-03 - URL: https://www.zensurance.com/blog/protect-your-pipes-why-plumbers-cant-afford-to-ignore-liability-insurance - Categories: Insurance - Tags: commercial property, contractor, general liability, plumbers Plumbing is a demanding and complex profession, and even the most meticulous and skilled plumbers can make mistakes. Here are six reasons why every plumbing contractor should have liability insurance. Plumbing is one of many vital, in-demand skilled trades. From designing complex plumbing systems and installations to troubleshooting tricky leaks, plumbers deal with a wide range of tasks daily.  They keep our homes, businesses, and communities running smoothly, and it’s essential work that people everywhere appreciate and value. However, even the most meticulous and skilled plumbers can make mistakes. For example, one of our clients accidentally forgot to tighten a valve after installing a toilet for a homeowner. That led to a water leak thatcaused over $7,000 in damage. Thankfully, our client was insured, and we helped themfile a claimwith their insurance provider and settle the matter. That’s the primary reason why you need water-tight protection that liability insurance provides. But there are others. https://www. zensurance. com/wp-content/uploads/2023/11/Nov-3-Plumber_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesHere are six reasons why every professional plumber should invest in a comprehensive liability insurance policy:1. Financial Protection Against AccidentsPlumbing can involve hazardous situations, such as working with high-pressure systems, electrical connections, and confined spaces. Business insurance provides financial protection in case of accidental third-party bodily injuries or third-party property damage. You may be personally responsible for hefty medical bills or property repairs without it. 2. Coverage for Third-Party Property DamageRegardless of the environments in which you provide your services – residential, commercial, or industrial properties – there’s always a possibility you could inadvertently damage a customer’s property or a neighbouring property. Accidents like water damage, flooding, or accidental drilling can happen. The costs of repairing or... --- ### How Landlords Can Check for and Avoid Frozen Water Pipes > 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: 2023-11-01 - Modified: 2023-11-01 - URL: https://www.zensurance.com/blog/how-landlords-can-check-for-and-avoid-frozen-water-pipes - Categories: Insurance - Tags: Christmas, commercial property, general liability, holidays 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. Canadian winters are often bitterly cold and long. For landlords and rental property owners, winter can create all sorts of problems for you and your tenants, especially when the temperature plummets. That’s when the risk of water pipes freezing, cracking, and leading to water damage can occur. When frigid temperatures cause water inside a pipe to freeze, the ice expands and can split or crack the water line. Should that happen, it will lead to leaks that cause water damage to a building or house. Worse than that, the pressure that builds up inside a frozen pipe can result in the pipe bursting and may lead to internal flooding. No landlord wants to deal with a burst water pipe. After all, repairing burst pipes is expensive, and if the damage is significant, you could lose rental income if tenants are forced to relocate while repairs are underway. That’s why it’s worthwhile to purchase alandlord insurancepolicy. https://www. zensurance. com/wp-content/uploads/2023/11/Nov-1-Frozen-Pipes_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesNevertheless, here’s what to do if you think your building has a frozen water pipe:How to Locate a Frozen PipeThere are a few ways to tell if you’ve got a frozen water pipe in your building, including: There’s no running water or only a trickle from faucets. Frost is visible on a pipe. Unpleasant odours are coming from faucets and drains. If your building has a water boiler and it isn’t working as it should, there’s a chance the pipe attached to the boiler may be... --- ### Is Your Seasonal Business Insured? 3 Things to Know > If your business is stocking up on inventory for the holidays, operating for only a few months of the year, or opening a pop-up shop, here’s how to cover the liability risks you face. - Published: 2023-10-30 - Modified: 2023-12-06 - URL: https://www.zensurance.com/blog/is-your-seasonal-business-insured-3-things-to-know - Categories: Insurance - Tags: Christmas, commercial property, general liability, holidays If your business is stocking up on inventory for the holidays, operating for only a few months of the year, or opening a pop-up shop, here’s how to cover the liability risks you face. It’s traditionally the most lucrative shopping season of the year for Canadian retailers and small business owners: the year-end holiday season. For many retailers, the festive season accounts for a significant portion of their annual sales. It’s a time when consumers tend to spend more on gifts, decorations and food, take advantage of retail discounts and promotions, and make emotional purchases. But will holiday retail sales this year rise, fall, or remain the same as in 2022?  According to research consultancyPwC Canada, 76% of Canadian consumers will spend the same amount this year as in 2022, with the average amount this holiday season estimated to be $1,635. Moreover, PwC Canada says 63% of Canadians intend to purchase in-store at a traditional brick-and-mortar shop versus 43% who plan to buy through an online marketplace and 22% who will via a branded website. https://www. zensurance. com/wp-content/uploads/2023/10/Seasonal-Business. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesMeanwhile,a separate consumer surveysuggests 44% of Canadians will do their holiday shopping early, with 35% citing November, 10% saying the first half of December, and 3% in the week leading up to Christmas Day. In other words, the chance for retailers to woo budget-conscious shoppers is now. To do that successfully, ramping up promotions, increasing their inventory to avoid supply chain issues, and extending store hours are ways retailers can spike their bottom lines. Here are three common scenarios retailers and other small businesses face in the runup to and during the festive season, and what business owners should think... --- ### Does My Airbnb Need Extra Insurance? > In Canada, hosts earn an average of $10,300 annually through Airbnb. But weighing the pros and cons of listing your property on any home-sharing platform is critical, especially the property damage and liability risks you face. Here’s what you should know. - Published: 2023-10-27 - Modified: 2023-10-27 - URL: https://www.zensurance.com/blog/does-my-airbnb-need-extra-insurance - Categories: Insurance - Tags: Airbnb, commercial property, rental property, VRBO In Canada, hosts earn an average of $10,300 annually through Airbnb. But weighing the pros and cons of listing your property on any home-sharing platform is critical, especially the property damage and liability risks you face. Here’s what you should know. Established in 2007, Airbnb was born when two friends struggling to pay their rent in San Francisco decided to rent their living space to people attending a conference in that city. That led the roommates to create Airbnb, and before long, the home-sharing platform went global. Airbnb started offering its services in Canada in 2009. There’s no doubt you canmake additional income renting your home, condo, or seasonal property on Airbnb and other third-party short-term rental platforms. In Canada, hosts earn an average of $10,300 annually and made more than $7,700 in the summer of 2022 alone. But before diving in, it’s critical to weigh the pros and cons of doing so and how you intend to use such platforms. Chief among those considerations should be protecting your property and yourself from damage to your property caused by guests and third-party liability if one is injured during their stay on your premises. https://www. zensurance. com/wp-content/uploads/2023/10/Oct-27-Airbnb_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Protection Does Airbnb Offer Hosts? Airbnb provides its hosts with limited financial protection under itsAirCoverprogram, but it isn’t an insurance policy. Called host damage protection, AirCover for hosts provides up to US$3 million for damages per rental to your property or possessions caused by a guest if that guest does not pay for the damages. Additionally, it also provides liability protection up to US$1 millionin the rare event that a guest gets hurt or their belongings are damaged or stolen. Specifically, the protection includes: Damage to your... --- ### What Is Cyber Insurance? > Is your small business prepared in the event of a cyber attack? Learn what is cyber insurance and how it can protect your business from online threats. - Published: 2023-10-24 - Modified: 2023-10-24 - URL: https://www.zensurance.com/blog/what-is-cyber-insurance - Categories: Cybersecurity - Tags: cyber liability, cybersecurity, technology 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. Inarguably, the internet has made our lives easier in countless ways. As it continues to evolve, the advantages it provides small business owners to grow their revenues and companies will increase. But there’s a downside to doing business online: cybercrime. Unfortunately, cybercrime is as prevalent and broad as the internet itself. No individual or small business is immune from the risk of a cyber-attack or a data breach that exposes your business’s or customers’ confidential information. A 2023 RBC poll on cybersecurity finds a majority of Canadians (88%) report they've experienced an increase in attempts to defraud them, and seven out of 10 (73%) say they were knowingly targeted. https://www. zensurance. com/wp-content/uploads/2022/10/Oct-23-Need-Cyber-Insurance_Blog-Image. pngMeanwhile, consultancy EY Canada notes a business’s employees are the weakest link in its cybersecurity defences, with 39% of business owners that responded to its poll saying careless or unaware employees are their top vulnerability to a cyber-attack. Moreover, EY Canada says 63% of Canadian business owners admit their cybersecurity budget is less than 10% of their IT budgets. That puts the onus on small business owners toprioritize cybersecurity and their protectionby enhancing their defences and including cyber insurance in their insurance policies. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts What Does Cyber Insurance Cover? Cyber insuranceis an extension of small business liability coverage that you can choose to add to your policy. It provides your organization with financial support if your company suffers damage or loss because of a data breach or cyber-attack. Our customized solutions are geared... --- ### 10 Benefits of Liability Insurance for Construction Professionals > Liability insurance is a fundamental aspect of responsible and professional construction business operations. Here are 10 benefits your construction or contractor business can realize by being adequately insured. - Published: 2023-10-20 - Modified: 2023-10-20 - URL: https://www.zensurance.com/blog/10-benefits-of-liability-insurance-for-construction-professionals - Categories: Insurance - Tags: construction, general contractor, general liability Liability insurance is a fundamental aspect of responsible and professional construction business operations. Here are 10 benefits your construction or contractor business can realize by being adequately insured. General contractors, subcontractors, and construction small business owners know they must have liability insurance. It’s often a legal or regulatory requirement for these professionals to be insured and have a validcertificate of insuranceto prove it to their clients and partners. Construction liability insuranceis fundamental to responsible and professional construction business operations. It provides financial protection against various risks and offers peace of mind to construction professionals and their clients. Whether it’s acourse of construction insurancepolicy (also calledbuilder’s risk insurance),contractors all-risk insurancepolicy, or acontractor insurancepolicy, each is designed to address the risks these professionals face doing their hard work. https://www. zensurance. com/wp-content/uploads/2023/10/Oct-20-Hammer-Contractor_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 10 Benefits of Having Construction Liability InsuranceBeyond being legally required to carry insurance, here are 10 benefits every contractor, renovation expert, handyman, or construction business owner can realize by being insured:1. Third-Party Bodily Injury CoverageIf a client or passerby suffers an injury on a job site, their medical and rehabilitation expenses are covered by your policy. 2. Third-Party Property Damage CoverageInsurance can cover the cost of repairing or replacing the damaged property if you accidentally damage a client's or a neighbouring property during work. 3. Contractual Liability CoverageProtects contractors from third-party bodily injury or property damage claims as per the contracts they sign with their clients. Contractual liability insurancecovers contractors from a contract's indemnity or 'hold-harmless' clause. 4. Completed Operations CoverageYour contractor liability insurance may also cover claims arising from work you did in the past. 5. Compliance with Regulatory RequirementsMany provinces... --- ### Mind, Body, and Liability: Why Liability Insurance Is Essential for Health and Wellness Pros > Both health and wellness professionals and allied health professionals are experts in their respective fields who strive to help patients improve their overall health. However, they face the risk of potential claims or lawsuits. Here’s how liability insurance can protect them. - Published: 2023-10-18 - Modified: 2023-10-18 - URL: https://www.zensurance.com/blog/mind-body-and-liability-why-liability-insurance-is-essential-for-health-and-wellness-pros - Categories: Insurance - Tags: beautician, general liability, health and wellness, medical malpractice Both health and wellness professionals and allied health professionals are experts in their respective fields who strive to help patients improve their overall health. However, they face the risk of potential claims or lawsuits. Here’s how liability insurance can protect them. Healthcare, health and wellness, and allied health professionals all share certain characteristics.  They’re excellent communicators, have empathy for their patients and emotional intelligence, and are adaptable and detail-oriented. They’re also passionate about helping people and dedicated to their professions.  But caring for others and aiming to help them improve their overall health and lives is also an incredibly challenging profession with noteworthy risks. Despite their best intentions and efforts, unforeseen circumstances can lead to expensive claims against them.  Let’s explore what health and wellness and allied health professionals do, their liability risks, and how they can get the necessary protection to safeguard their careers and finances. https://www. zensurance. com/wp-content/uploads/2023/10/Oct-18-Health-and-Wellness_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories Health and Wellness Professional vs Allied Health Professional: What’s the Difference? Health and wellness professionals and allied health professionals are integral to the healthcare industry but have distinct roles and responsibilities. Let’s examine each one: Health and Wellness ProfessionalsHealth and wellness professionals promote overall health, well-being, and a balanced lifestyle. Their primary focus is helping their customers take preventative measures to improve their health and help them achieve and maintain a state of physical, mental, and emotional well-being. Examples of these types of professionals include: Nutritionists and dieticians Fitness trainers Mental health counsellors Life coaches Holistic practitioners Yoga instructors Allied Health ProfessionalsAllied health professionals have specialized clinical expertise that complements the work of other healthcare providers. They are not physicians, dentists, or nurses, but they collaborate with these professionals and are often involved in... --- ### Why Liability Insurance Is a Must-Have for Retail Store Owners in Canada > There are pros and cons to owning a retail store and significant liability risks. Explore why you need retail insurance and how it helps protect your assets and reputation. - Published: 2023-10-16 - Modified: 2023-10-16 - URL: https://www.zensurance.com/blog/why-liability-insurance-is-a-must-have-for-retail-store-owners-in-canada - Categories: Insurance - Tags: commercial property, ecommerce, general liability, retail There are pros and cons to owning a retail store and significant liability risks. Explore why you need retail insurance and how it helps protect your assets and reputation. Launching and running your own retail store or outlet takes a particular passion and dedication. Being a retail store owner is a fascinating kind of art. It requires a genuine passion for the products you sell, the people and communities you serve, and an independent, entrepreneurial spirit. There are pros and cons to owning a retail store, of course. Being your own boss, creating the atmosphere and culture you want to share with your community, and helping people get the products they need and want are among the benefits.  But there are cons as well: you’re the boss, so the buck stops with you for everything. There are long hours, financial risks, and sometimes, disagreements with employees or customers. Moreover, every retailer or business owner has significant liability risks. https://www. zensurance. com/wp-content/uploads/2023/10/Oct-16-Retail-Insurance_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories Retail liability insurancecan help with many of these challenges. In many instances, you might be required to have insurance. If it’s not a regulatory or legal requirement, you shouldn’t bypass getting adequate coverage because it’s a gamble that’s not worth taking. Let’s explore why:What Are the Consequences of Not Having Retail Liability Insurance? The most common scenario a retailer faces is if a customer or visitor to your store slips and falls on a wet floor and is injured. Without liability insurance, you could be faced with covering their medical bills, rehabilitation costs, and your own legal fees if they sue you. That financial burden could have a devastating impact on... --- ### 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. - Published: 2023-10-13 - Modified: 2024-08-26 - URL: https://www.zensurance.com/blog/10-cybersecurity-tips-for-small-businesses - Categories: Cybersecurity - Tags: cyber, cybersecurity, passwords, phishing 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. Canadian small businesses, self-employed professionals (contractors, freelancers, side hustlers, solopreneurs), and startups must be wary of the ever-evolving cyber risk landscape and take steps to protect their assets. October is Cybersecurity Awareness Month in Canada. Statistics show small businesses face increasing online threats. For instance, according to the Blakes Cybersecurity Group’sCanadian Cybersecurity Trends Study 2023: Ransomware attacks are the most common type of cybersecurity incident, representing almost 70% of all incidents. Theaverage ransom paymentmade by Canadian companies in 2023 is $546,000, a 170% increase from the amounts paid in the last two years. https://www. zensurance. com/wp-content/uploads/2022/10/Oct-13-Cybersecurity-Tips_Blog-Image. png 45% of organizations were attacked through software vulnerabilities. Phishingand compromised credential attacks (when hackers steal a user’s valid login credentials like passwords) account for 21% of breaches. 13% of Canadian organizations had their email systems compromised, and 9% suffered malware attacks. The majority of cybersecurity incidents happened to organizations in Ontario (44%), followed by the Prairie provinces (23%), British Columbia (19%), Quebec (8%), and Atlantic Canada (6%). If the above doesn’t alarm you,look at IT security provider Check Point Software’slive cyber threat mapshowing the number of cyber-attacks globally in real time. Small Businesses Are Not Immune to Online ThreatsOnline threats pose big risks to small businesses. Yet, the Insurance Bureau of Canada (IBC) finds many Canadian small businesses are slow to adapt to increasingly sophisticated cyber-attacks.  https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesIBC’sCyber Savvy Report Card, a report following a survey of employees and business owners, highlights the risks many Canadian organizations face,... --- ### 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. - Published: 2023-10-11 - Modified: 2023-10-11 - URL: https://www.zensurance.com/blog/does-your-small-business-need-a-cybersecurity-strategy - Categories: Cybersecurity - Tags: cyber, cyber liability, cybersecurity 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. A cyber-attack can devastate a small business. Whether it’s a data breach, ransomware attack, phishing attack, or a distributed denial-of-service (DDOS) attack, the consequences of your business’s and customers’ data being stolen or compromised can result in financial losses, harm your reputation, and possibly lead to the closure of your company. Data breaches and ransomware attacks are among the five mostcommon cyber liability insurance claims. 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. In reality, small businesses are often a primary target for attackers because they assume small businesses don’t have the defences in place to thwart them. https://www. zensurance. com/wp-content/uploads/2023/10/Oct-6-Cybersecurity-Strategy_Blog-Image-1. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesData tells the tale: In the first quarter (January to March) of 2023, Statista reports more than 167,000 data records were exposed through data breaches in Canada. The Canadian Centre for Cyber Security reports fraud and online scams are the most common form of cybercrime, with more than 700,000 instances of fraud last year linked to over $530 million stolen from companies and individuals. --- ### 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. - Published: 2023-10-02 - Modified: 2024-11-29 - URL: https://www.zensurance.com/blog/how-to-get-a-small-business-grant-in-canada - Categories: Finance, Small Business Tips - Tags: business credit card, finance, financial grant, grant24, small business growth, start a business 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. As an entrepreneur, navigating the financial challenges of growing a small business is a common and unending task.  Pursuing additional funds to reinvest in your company can be crucial in expanding your business and ensuring its financial health. Small business grants offer a valuable avenue for securing the economic boost your company needs. Grants can fuel growth, empowering you to enhance competitiveness and seize new opportunities. Incorporating grant applications into your business strategy is a proactive step towards achieving your company's full potential. https://www. zensurance. com/wp-content/uploads/2022/11/Oct-2-Small-Biz-Grant_Blog-Image. png What Is a Small Business Grant? A small business grant is a financial award provided to small businesses by government agencies, non-profit organizations, or private companies.  They are intended to support specific business activities, such as research and development, business expansion, job creation, or community development, and foster economic growth, innovation, and entrepreneurship. Obtaining a small business grant involves a competitive application process. Businesses must meet specific eligibility criteria, provide a detailed proposal outlining how the funds will be used, and demonstrate the potential impact on the business and the community. How Much Money Does a Grant Provide? Grants can vary depending on the available type. They may range from a couple of thousand dollars to tens of thousands. The grant size you're eligible for depends on the number of employees you have, your industry, and your annual sales. While grants are free money, you shouldreport them when filing taxes. The Canada Revenue Agency says grants generally increase your income or reduce expenses.... --- ### No More Passwords: How Passkeys Can Help Make Your Small Business Secure > Data shows the passwords we use today are among the weakest links in cybersecurity defence. Passkeys are poised to replace passwords. Get details on what they are and how they can help make your small business more secure. - Published: 2023-09-29 - Modified: 2023-09-29 - URL: https://www.zensurance.com/blog/no-more-passwords-how-passkeys-can-help-make-your-small-business-more-secure - Categories: Cybersecurity - Tags: cyber, cyber liability insurance, cybersecurity, passwords Data shows the passwords we use today are among the weakest links in cybersecurity defence. Passkeys are poised to replace passwords. Get details on what they are and how they can help make your small business more secure. Could the passwords we use today to log in to websites, mobile devices, and software systems soon join other obsolete technologies such as rotary telephones, typewriters, pagers, and floppy disks?  Data shows the passwords we use today are among the weakest links in cybersecurity defence, with an estimated 63% of compromised passwords used in all data breaches in 2020. If you want to check to see if your passwords have been compromised, you can use theHaveIBeenPwned websiteto see if your email account has been breached. As we head into October – Cybersecurity Awareness Month in Canada – here's an overview of what passkeys are, how they can help make your small business more secure, and the pros and cons of using them. https://www. zensurance. com/wp-content/uploads/2023/09/Sept-29-Passwords_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What Is a Passkey? A passkey is a way to login to a website, application, or software system without a password. Instead of creating a password, you use an “authenticator” to generate a passkey (an authenticator is a smartphone, other mobile devices, or a password manager that uses passkeys). You still need to verify your identity when using a passkey. That may be a password, a PIN (personal identification number), or biometric information, like a fingerprint or facial recognition. To access a site or system, a user needs a valid passkey and must verify their identity.  How Do Passkeys Make Small Businesses More Secure? Passkeys promise to be more secure than passwords as they're harder to hack.... --- ### Do I Need Business Insurance to Run My Company? > Some professions or businesses legally require a specific amount of insurance. Others do not, but it's highly recommended to have coverage to protect yourself from financial losses. Here's what you should know. - Published: 2023-09-27 - Modified: 2023-10-10 - URL: https://www.zensurance.com/blog/do-i-need-business-insurance-to-run-my-company - Categories: Insurance - Tags: business contents, business insurance, general liability, gl Some professions or businesses legally require a specific amount of insurance. Others do not, but it's highly recommended to have coverage to protect yourself from financial losses. Here's what you should know. Does your small business, startup, or profession need to be insured? Do all businesses need insurance? Our view is ‘yes’ because anytime you conduct a transaction with a customer, it exposes you to any number of costly liability risks. Some professions legally require a specific amount of insurance, such as an accountant or amedical professional, like an optician.  For other types of businesses or professions, it may not be a legal requirement to havebusiness insurance. But it’s advisable and highly recommended to have coverage to protect yourself from financial losses if you are sued for alleged negligence, mistakes, or other claims, such as a customer suffering an injury on your premises from a slip and fall. https://www. zensurance. com/wp-content/uploads/2023/09/Sept-27-Need-Business-Insurance_Blog-Image. png https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesRegardless of whether you’re legally obligated to be insured, know thatyou can deduct all ordinary business insurance premiumson buildings, machinery, and equipment when filing a tax return. What Insurance Do I Need for My Business? The type of insurance policy that suits your profession or small business best depends on many factors, including what you do, where your business is located, the products and services you offer, andyour annual and projected revenue. For example, a generalcontractor’s insurancepolicy typically includes general liability insurance, and tools and equipment insurance. Meanwhile, aretail insurancepolicy will likely include general liability insurance, product liability insurance, commercial property insurance, and cyber liability insurance. If you're unsure what coverage your policy should include,talk to one of our friendly brokers. They can... --- ### How to Start a Dog Walking Business > Can you make a living running a dog walking business? It comes down to how you plan to launch and manage your company. Get an overview of the licences, insurance, and financial solutions you may need. - Published: 2023-09-25 - Modified: 2024-08-26 - URL: https://www.zensurance.com/blog/how-to-start-a-dog-walking-business - Categories: Startup Tips - Tags: business insurance, dog walking, dog walking business, dog walking insurance 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. If dog walking business ideas are always on your mind, unleash your entrepreneurship by taking on the essential role of the professional dog walker. Dog walkers are considered lifesavers for pet parents on the go who need some help taking care of their furry friends. It can also be fun and profitable! 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. The market for dog walkers has never been hotter. Let’s look at the stats — three in five (59%) Canadians say they own at least one pet, and the most popular are dogs! Canadians with at least one dog make up 35% of the population. One could argue that Canadians love dogs as much as they love children. How so? Well, in 2022, according to a nationwide survey, there were estimated to be around 7. 9 million pet dogs in Canadian households. That is 20% of Canada’s population of 40 million, which is pretty much on par with how many kids 18 and under make up our population. https://www. zensurance. com/wp-content/uploads/2022/03/Sept-25-Dog-Walker_Blog-Image. pngWhether you want a side gig or a full-time venture, leash up and let’s em-bark on this exciting journey! What Is a Dog Walker? What Do They Do? A dog walker is a professional who gets paid to take other people’s dogs on outdoor escapades and provide companionship for a set period.... --- ### What Is an Additional Insured? > You may be required to add another person or party to your business insurance policy called an additional insured. Get an overview of what that is and what your options are for doing so. - Published: 2023-09-22 - Modified: 2023-09-22 - URL: https://www.zensurance.com/blog/what-is-an-additional-insured - Categories: Insurance - Tags: business insurance, commercial auto, premium You may be required to add another person or party to your business insurance policy called an additional insured. Get an overview of what that is and what your options are for doing so. If you’ve ever had to get an insurance quote, whether it be for your home, car, or business, you may have heard the term ‘additional insured’ and not know what it means. It is common for a client or landlord to request that you provide them with a 'certificate of insurance', a proof-of-insurance document. They may ask you to add them to your policy as an additional insured. If they get sued because of work conducted by your business, your insurance policy will extend its coverage to protect them.  Including an additional insured to your policy can be limited to a single event, or it could last for the duration of your existing policy (most business insurance policies are active for a full 12 months. You mustrenew your policy annually). Here is a straightforward explanation that breaks down what it means for your insurance, why it is important to you, and how it all works:https://www. zensurance. com/wp-content/uploads/2022/02/Sept-22-Additional-Insured_Blog-Image. png Understanding What an Additional Insured Endorsement IsAn additional insured is a person or persons or entity to whom you extend your insurance coverage. Sometimes, you may be required to have your insurance company add someone else’s name to your business insurance policy. Additional insureds are entitled to limited benefits under the policy and are insured for their third-party liability arising from the conduct of the named insured or policyholder (in this case, the named insured, or policyholder is you: the person who is entitled to all the benefits of abusiness insurance policy).... --- ### 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. - Published: 2023-09-20 - Modified: 2023-09-20 - URL: https://www.zensurance.com/blog/how-small-businesses-can-solve-cash-flow-problems - Categories: Finance, Small Business Tips - Tags: business contents, business credit card, cash flow problems, fees, small business cash flow, tax 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. “Never take your eyes off the cash flow because it’s the lifeblood of business. ” — Sir Richard Branson. Avoiding complications by maintaining a healthy cash flow is critical for your small business. But it’s not always an easy thing to do. Unexpected incidents and expenses can crop up with little warning. However, by mapping a plan to achieve a healthy cash balance, you can set your sights on long-term goals, such as expanding your business or investing in new ventures. Maintaining a healthy cash flow and your business’s financial health includes having acomprehensive business insurancepolicy to cover expenses following an insurable loss, such as fire or water damage to your business, or dealing with a third-party bodily injury claim from a customer. https://www. zensurance. com/wp-content/uploads/2022/05/Sept-18-Cash-Flow_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What Is Cash Flow? Understanding the fundamental concept of cash flow is the first step in addressing cash flow challenges. Cash flow is the movement of money (including revenue and expenses) in and out of a business over a specific period. While positive cash flow means incoming cash is greater than outgoing costs, negative cash flow means spending more than earning. Do you want to be able to manage unexpected business expenses, keep your business on plan, fund expansion and growth, and be able to go to bankers, lenders, and investors to finance your business? Of course, you do. Efficiently managing your cash flow is vital in guaranteeing that you have sufficient funds to cover your... --- ### How to Build an Effective E-Commerce Marketing Strategy > From growing and tracking your customer base and increasing reach and revenue to keeping your operating costs low, e-commerce holds multiple benefits and advantages for any new or existing venture. Read our guide on launching your e-commerce business. - Published: 2023-09-18 - Modified: 2023-09-18 - URL: https://www.zensurance.com/blog/how-to-build-an-effective-ecommerce-marketing-strategy - Categories: Small Business Tips - Tags: ecommerce, marketing, retail From growing and tracking your customer base and increasing reach and revenue to keeping your operating costs low, e-commerce holds multiple benefits and advantages for any new or existing venture. Read our guide on launching your e-commerce business. If you’re launching a new startup or small business, digitizing your business and positioning it as an e-commerce operation holds many opportunities and benefits. E-commerce provides an affordable way for any entrepreneur or home-based business to get their businesses off the ground and tap into a world of opportunities while connecting directly to customers. From growing and tracking your customer base and increasing reach and revenue to keeping your operating costs low, e-commerce holds multiple benefits and advantages for any new or existing venture. Let’s do a deep dive into what you need to know to get started:https://www. zensurance. com/wp-content/uploads/2023/09/Sept-8-E-Commerce_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts What Is E-Commerce for Small Businesses? E-commerce is more than simply launching a website and promoting it. It’s a means to use various strategies and channels to promote and sell products or services online.  It involves using a variety of channels and techniques to reach target customers and encourage them to make a purchase, from creating an online store, driving traffic to it, converting visitors into customers, and retaining those customers for future sales. What Are the Benefits of Selling Goods and Services Online? There are many benefits to selling goods and services online. Some include: Expanded Reach:E-commerce can help you get new customers you couldn’t reach solely with a physical store. You can reach customers across Canada and worldwide, not just in a specific geographic area. Lower Operating Costs: Unlike brick-and-mortar stores, e-commerce businesses typically can be run at lower costs. When you... --- ### Do Subcontractors Need Insurance? > Liability insurance is vital for risk management on construction and renovation projects. Here’s why every subcontractor hired for any project should carry their own coverage. - Published: 2023-09-15 - Modified: 2024-04-02 - URL: https://www.zensurance.com/blog/do-subcontractors-need-insurance - Categories: Insurance - Tags: construction, contractors, renovation Liability insurance is vital for risk management on construction and renovation projects. Here’s why every subcontractor hired for any project should carry their own coverage. Subcontractors are specialists in their respective fields hired to handle aspects of a construction or renovation project that call for their expertise. For example, a general contractor responsible for transforming a residential customer’s unfinished basement into a comfortable living space may hire an electrician as a subcontractor to tackle the electrical needs of the room. While subcontractors work within a larger project or build framework, they have a degree of autonomy over their specific tasks. But they’re also responsible for covering their liability risks. That’s why subcontractor liability insurance matters. Insurance is vital for risk management, and each subcontractor working on a project is responsible for their own liabilities. It also reduces the risk of disputes and complications with other contractors or customers if accidents or third-party damages occur. https://www. zensurance. com/wp-content/uploads/2023/09/Sept-15-Subcontractor_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Are Subcontractors Covered Under Contractors Insurance? A general contractor overseeing a construction project with contractor liability insurance can use their policy to cover their full-time employees. It’s uncommon for their policy to include coverage for subcontractors. However, a contractor can add a subcontractor to their policy as anadditional insuredif they wish. Nevertheless, every subcontractor should have a liability insurance policy, even if their employer’s policy provides them with coverage, since the amount of that coverage may be inadequate in the face of an expensive claim. Moreover, carrying your own coverage allows subcontractors to work on multiple projects at different job sites. What Happens If a Subcontractor Does Not Have Insurance? A subcontractor... --- ### A Guide to Directors and Officers (D&O) Insurance > Whereas management liability or D&O insurance is an essential insurance for not-for- profit organizations and is common for large companies, it’s also necessary for for-profit small to midsized businesses with owners, directors, officers, or a board of directors. Read our guide to learn more. - Published: 2023-09-13 - Modified: 2023-09-13 - URL: https://www.zensurance.com/blog/a-guide-to-directors-and-officers-do-insurance - Categories: Insurance - Tags: directors and officers, management liability Whereas management liability or D&O insurance is an essential insurance for not-for- profit organizations and is common for large companies, it’s also necessary for for-profit small to midsized businesses with owners, directors, officers, or a board of directors. Read our guide to learn more. Despite being a mainstay of protection for corporations and large enterprises for decades, directors and officers (D&O) insurance is one of the most complex and confusing liability insurance policies. Whereas D&O insurance, also known as management liability insurance, has been an essential insurance for not-for-profit organizations in Canada and is a common part of a business insurance portfolio for large private and public companies, it’s also necessary for for-profit small to midsized businesses with owners,directors, officers, or a board of directors. Let's unpack what D&O insurance covers, its limitations, coverage limits, and deductibles, and why it may be necessary for your small business. https://www. zensurance. com/wp-content/uploads/2023/09/Sept-20-DO-Insurance_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts What Protection Does D&O Insurance Provide? At its core,D&O insuranceis designed to cover the personal financial losses of owners, directors and officers and the legal expenses to defend them in a lawsuit following alleged errors or omissions in their duties. It also covers the organization from the directors’ and officers’ work if their assets are at risk. D&O insurance policies are valid for one year andmust be renewed annuallywhen the existing policy expires. It’s a policy that complements an organization’s existing internal governance guidelines to reduce the risk of directors and officers being exposed to liability claims. Unlike errors and omissions (E&O) insurance, which covers business owners or independent professionals against professional negligence claims typically from a client, D&O insurance is geared toward defending a board of directors for claims of wrongdoing from employees, shareholders, regulators, or creditors.... --- ### What Is a Business Owner’s Policy (BOP)? > If you’re seeking an efficient and affordable way to protect your small business, an all-in-one business owner’s policy may be an economical solution. Find out what it covers and why you need it. - Published: 2023-09-11 - Modified: 2023-09-11 - URL: https://www.zensurance.com/blog/what-is-a-business-owners-policy-bop - Categories: Insurance - Tags: BOP, business owner, business owners policy, buying insurance, small business If you’re seeking an efficient and affordable way to protect your small business, an all-in-one business owner’s policy may be an economical solution. Find out what it covers and why you need it. Every small business faces several kinds of risks. One way to manage them in a simple, cost-effective manner is with a business owner’s policy (BOP). A BOP features several types of coverage bundled into a single policy and is customized to meet the specific needs of different businesses. It’s designed to shield small business owners from claims ranging from fire damage and losses from theft to third-party bodily injury or property damage allegations or lawsuits. Because they’re structured to provide a policyholder with savings, a BOP is often priced more affordably versus buying several individual policies, making it an efficient choice to protect your company and livelihood.  You’ll often need a business owner’s policy to rent a commercial space or when inking new contracts with your customers, suppliers, or partners. Furthermore, having a business owner’scertificate of insurancedocument to verify you’re insured inspires confidence among your customers and associates, proving yours is a viable organization that won’t disappear overnight if something goes awry. https://www. zensurance. com/wp-content/uploads/2022/09/Sept-11-Business-Owners-Policy_Blog-Image. png A business owner’s policy (BOP) is a customized commercial insurance policy featuring multiple coverages designed to provide small businesses comprehensive protection that addresses their liability risks https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd What Does a Business Owner’s Policy Cover? A BOP combines coverages to protect you from third-party liability, property damage or loss, and business interruption. They are designed to meet your small business’s needs and risk management requirements. Although they may vary by the insurance provider, a BOP usually includes the following: ... --- ### What Is Contractors All-Risk Insurance? > The nature of the construction work is loaded with visible and unforeseen risks. Does your next large build project require a contractors all-risk insurance policy instead of standard contractors liability coverage? Drill down to find out. - Published: 2023-09-08 - Modified: 2024-12-10 - URL: https://www.zensurance.com/blog/what-is-contractors-all-risk-insurance - Categories: Insurance - Tags: contractor, contractor insurance, tools and equipment The nature of the construction work is loaded with visible and unforeseen risks. Does your next large build project require a contractors all-risk insurance policy instead of standard contractors liability coverage? Drill down to find out. To paraphrase a creative writer, “Every morning, I jump out of bed and step on a landmine. I spend the rest of the day putting the pieces together. ” Although not directly, there is a correlation between that writer’s comment regarding constructing a story and a general contractor or builder piecing together the necessary parts and dealing with the unexpected to construct a building or complete a project. After all, it’s the nature of the construction industry to be loaded with unforeseen risks. Outside of the visible dangers involved with operating heavy equipment like cranes, backhoes, and bulldozers, doing hot-torch roofing or excavating a trench, there are countless invisible risks or unexpected incidents that crop up that can affect any contractor or construction business, such as:https://www. zensurance. com/wp-content/uploads/2023/09/Sept-13-Contractor-All-Risk_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Third-party bodily injuries to clients on a job site or passersby Accidental damages to a neighbouring property or a client’s property Pollution or environmental-related hazards A fire or vandalism that damages a job site or materials Theft of tools, equipment, and raw materials Damages from severe weather to equipment or an unfinished project An allegation of professional negligence, poor work, or breach of a contract Other things could go dreadfully wrong and delay a project or upend a contractor’s finances and business.  And whilecontractor liability insuranceis generally required by anyone working in the construction industry and covers a range of potential risks, there is the possibility of an incident that falls outside of that coverage. That’s why... --- ### How Much Does Snowplow Insurance in Canada Cost? > This year, much of Canada is in for a bitterly cold winter and icy conditions. Now’s the time for snow removal contractors to get the liability coverage they need for the coming winter. Get an overview of how snow removal insurance is calculated and tips for preventing slip-and-fall accidents. - Published: 2023-09-06 - Modified: 2024-11-28 - URL: https://www.zensurance.com/blog/how-much-does-snowplow-insurance-in-canada-cost - Categories: Insurance - Tags: snow removal, snow removal insurance, snowplow insurance This year, much of Canada is in for a bitterly cold winter and icy conditions. Now’s the time for snow removal contractors to get the liability coverage they need for the coming winter. Get an overview of how snow removal insurance is calculated and tips for preventing slip-and-fall accidents. Summer’s end nears, autumn approaches, and winter will soon arrive with all its teeth-chattering fury. The Farmer’s Almanac’swinter outlook for 2023-2024 predicts much of Canada is in for a bitterly cold winter this year. Alberta, Saskatchewan, Manitoba, Newfoundland and Labrador, and western Ontario are expected to experience frigid temperatures and icy conditions. Moreover, the Great Lakes region is predicted to receive the most snow, and our coastal areas can expect significant wintry precipitation. For snow removal contractors and snowplow operators, gettingsnow removal insurancefor the coming season is underway. It’s wise to explore your options sooner rather than later since getting coverage has been a formidable challenge over the last several years. That’s because general liability insurance for the snow and ice removal business is considered high-risk. Therefore, there’s only so much capacity insurance companies have to provide policies insuring snow removal companies, and snow removal insurance premiums have risen notably over the past several years. https://www. zensurance. com/wp-content/uploads/2022/08/Sept-6-Snowplow_Blog-Image. pngOne reason insurance rates for snow removal businesses are climbing is due to the surge of slip-and-fall claims, lawsuits in recent years, and inflation. The Insurance Bureau of Canada estimates commercial liability coverage claims that include slip-and-fall  incidents on icy surfaces have increased by 108% between 2013 and 2020, rising from $2. 4 billion to $5. 1 billion. Furthermore, slip-and-fall accidents are among the most common accidents in Canada. Statistics Canada estimates 1. 7 million falls occur annually, accounting for 40% of all injuries. At the same time, the Canadian Institute for... --- ### Should I Pay My Small Business Insurance Premium Monthly or Annually? > Explore the advantages of monthly vs. annual insurance premium payments. Find out how monthly installments simplify budgeting but may entail administration fees, while annual payments provide peace of mind and financial benefits. - Published: 2023-09-01 - Modified: 2023-09-05 - URL: https://www.zensurance.com/blog/should-i-pay-my-small-business-insurance-premium-monthly-or-annually - Categories: Insurance - Tags: additional insured, commercial auto, insurance broker, insurance cost, insurance premium, self-employed, small business insurance Most insurance providers offer small business owners the option of paying their insurance premiums once a year or in monthly installments. Each option has benefits. But deciding which is best for you depends on your budget. Here's how to make an informed decision. Every business owner or independent contractor knows they need to be insured. However, depending on the type of business and industry, the cost of an annual small business insurancepolicy can vary significantly.  That can pose a challenge since many small businesses may grapple with cash flow and cannot pay anannual premiumupfront. The good news is Zensurance provides its customers with the option of paying their premiums monthly or annually. Which option is best? And does one offer benefits over the other?  Let’s weigh your options so you can make an informed decision:https://www. zensurance. com/wp-content/uploads/2023/09/Sept-1-Insurance-Premium_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Paying Your Insurance Premium MonthlyMost small business owners pay their insurance premiums monthly for a good reason: it's easier to budget when you know your monthly expenses, and you can avoid having to shell out one lump sum for your policy. It's not uncommon for a broker or insurance company to offer monthly or annual payment options. For an existing business, you will be asked to pay the first month of your premium, followed by 11 monthly payments.   If your company is a startup or new venture, we ask for a down payment as low as 20% of your premium from the get-go, followed by nine monthly payments. If you miss making a payment (which can happen to anyone), you are given a 30-daygrace periodto catch up without triggeringa lapse in your coverage. There’s also the convenience factor. For instance, if you have acommercial general liability insurancepolicy that costs $450... --- ### What Insurance Do Golf Simulator Businesses Need? > Just like any entertainment or recreational facility, golf simulator businesses face various liability risks that can lead to financial losses or lawsuits. This article explores how you can protect and grow your business in the face of these challenges. - Published: 2023-08-30 - Modified: 2023-09-01 - URL: https://www.zensurance.com/blog/what-insurance-do-golf-simulator-businesses-need - Categories: Insurance - Tags: commercial general liability, golf Just like any entertainment or recreational facility, golf simulator businesses face various liability risks that can lead to financial losses or lawsuits. This article explores how you can protect and grow your business in the face of these challenges. For Canadian golfers looking to improve their swing or stay in game shape during the off-season, indoor golf simulator businesses provide a convenient option. This setup allows beginners and experienced golfers alike to enjoy the sport year-round, regardless of the weather, while providing a controlled environment for practice and entertainment. The golf simulator business presents a reliable and growing opportunity for its owners. According to data from Custom Market Insights, the global golf simulator market was valued at US$1. 3 billion in 2021. Projections indicate that the industry will reach US$3. 4 billion by 2030, growing at a compound annual growth rate of 10%. https://www. zensurance. com/wp-content/uploads/2023/08/Aug-30-Virtual-Golf_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesDespite the rosy outlook for the industry, golf simulator business owners face a broad range of liability risks that call for a comprehensivegolf simulator insurancepolicy. Regrettably, you can't take a mulligan when it comes to liability-related claims. What Liability Risks Do Golf Simulator Businesses Face? Like any entertainment or recreational facility, golf simulator businesses face various liability risks that can lead to financial losses or lawsuits. Among the situations they may encounter are:Third-party bodily injuries: Customers using golf simulators could trip, slip, or fall on the premises and be injured. Third-party property damage: Accidents involving golf clubs, balls, or other equipment could damage the personal belongings of your customers. Professional negligence: If your employees offer golf instruction, coaching, or advice, customers could claim that inadequate or incorrect advice led to them being injured. Cybercrime: If your... --- ### How to Become a Chartered Professional Accountant (CPA) in Canada > Becoming a CPA in Canada takes time and effort and prepares you for a rewarding career with unlimited potential. Read our guide on the steps you need to take to earn a CPA designation. - Published: 2023-08-28 - Modified: 2024-12-18 - URL: https://www.zensurance.com/blog/how-to-become-a-chartered-professional-accountant-cpa-in-canada - Categories: Finance, Small Business Tips - Tags: accountant, insurance for accountants, professional liability Becoming a CPA in Canada takes time and effort and prepares you for a rewarding career with unlimited potential. Read our guide on the steps you need to take to earn a CPA designation. Becoming a Chartered Professional Accountant (CPA) in Canada requires dedication and hard work. If you are passionate about accounting and finance and willing to put in the time and effort needed to succeed, the rewards of this challenging and rewarding career path are well worth the effort. The CPA designation is a highly respected credential, meaning they are in high demand and are only expected to grow. CPAs earn good salaries and are globally recognized. Thus, they have many opportunities to advance their careers. Plus, they get to play with numbers all day long. What’s not to love? But becoming a CPA in Canada takes time and effort. A Canadian CPA designation prepares you for a rewarding career with unlimited potential.  https://www. zensurance. com/wp-content/uploads/2023/08/Aug-25-Accountant_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesLet’s review what a CPA is and does and the steps you need to take to earn your designation. What Is a Chartered Professional Accountant (CPA)? A Canadian CPA designation identifies you as a highly skilled professional who uses your accounting, auditing, and taxation knowledge to help businesses and individuals make informed financial decisions.  The designation mandates strict professional standards that guarantee ethical and competent financial practices in businesses and organizations, meaning that they can play an essential role in ensuring the financial health of companies and organizations by thinking beyond the numbers.  To become a CPA in Canada, individuals must fulfill the education, experience, and examination requirements established by theChartered Professional Accounts of Canada(CPA Canada), the national organization supporting... --- ### A Landlord’s Guide for Renting to Students > From strategies to insights, our landlord's guide for renting to students can help you learn how to become a successful rental property owner. - Published: 2023-08-25 - Modified: 2023-08-25 - URL: https://www.zensurance.com/blog/a-landlords-guide-for-renting-to-students - Categories: Small Business Tips - Tags: landlord As thousands of students return to school to pursue higher learning, it's the busy season for rental property landlords. Many students are also on the hunt for somewhere to live off-campus. See our landlord guide to renting to students and other tenants, including how to protect your property. Post-secondary students are flocking to universities and colleges across the country in pursuit of higher education. Thousands of students also need a place to live if they have no accommodations on their campuses. It’s the busy season for rental property landlords with apartments, basements, homes, and rooms to rent to students in towns and cities with universities and colleges.  Though opportunity knocks for landlords, there are also liability and financial risks to be reckoned with; additionally, for first-time landlords, there’s a learning curve involved with setting yourself up for success. Our landlord guide can help new and experienced landlords ensure they’ve got all the bases covered. Let’s dig in:https://www. zensurance. com/wp-content/uploads/2023/08/Aug-28-Student-Rental_Blog-Image. png Understanding the Student Housing Market Legal and Regulatory Considerations Preparing Your Rental Property Formulating Lease and Rental Terms Property Management Responsibilities Protecting Your Student Rental Apartment https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories Understanding the Student Housing MarketUnderstanding the student housing market starts with knowing the demand and supply dynamics of student rental housing in your community. There are several steps landlords can take to learn about them, including: Researching local universities, colleges, and institutions to gauge potential student tenant numbers. Know the enrollment numbers of the institutions in your community, how many international students they welcome, and the overall student population. That will provide a view of the potential demand for student housing. Try contacting the post-secondary institutions in your community for this information and to see if you can list your property on their campuses.... --- ### What Insurance Do Music Teachers Need? > Like school teachers, private tutors, or professionals in other industries, music teachers and instructors also face liability risks for their services. Here's how insurance can keep your career safe without missing a beat. - Published: 2023-08-23 - Modified: 2024-02-23 - URL: https://www.zensurance.com/blog/what-insurance-do-music-teachers-need - Categories: Insurance - Tags: general liability, professional liability Like school teachers, private tutors, or professionals in other industries, music teachers and instructors also face liability risks for their services. Here's how insurance can keep your career safe without missing a beat. Music expresses that which cannot be put into words. You revel in teaching students how to read musical scores, understand music theory, play various instruments, and discover the joy of creating and performing music. It is your passion and raison d'etre.  Likeschool teachers, private tutors, or professionals in other industries, music teachers and instructors also face liability risks for their services. Regardless of the type of instruction you give, liability insurance is vital for any music instructor, including:https://www. zensurance. com/wp-content/uploads/2023/08/Aug-23-Music-Teacher_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories Piano teachers Guitar teachers Drum teachers Trumpet, saxophone and other woodwind or brass instrument teachers Voice and singing coaches Violin and other string instrument teachers Private music instructors You don't want to miss a beat by paying thousands of dollars out-of-pocket for damages because of a liability claim. Furthermore, if you work at a conservatory, music studio, or private music school, your employer will likely require you to have a music instructor liability insurance policy. Let’s go over what music teacher liability insurance includes, how it can protect you, and why you need it:What Is Music Teacher Insurance? Music teacher liability insurance is a customized policy containing various coverages to help protect music teachers or instructors from the risks they face.  It’s necessary protection for music teachers working in a music school or conservatory or for private music teachers working from home or in a commercial studio that provides financial support in case of an accident, theft, or allegation of professional negligence.... --- ### Insurance Broker vs. Insurance Company: What’s the Difference? > 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. - Published: 2023-08-21 - Modified: 2024-05-15 - URL: https://www.zensurance.com/blog/insurance-broker-vs-insurance-company-whats-the-difference - Categories: Insurance - Tags: cancel policy, commercial coverage, commercial insurance broker, daycare, fintech, insurance company, insurance cost, premium, SME, tutor insurance, umbrella insurance, wp 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. There tends to be confusion between what an insurance broker does and how it compares to what an insurance company or provider does. Though the two work together, they are unique and provide different services to their customers.  Without further ado, let’s go through the differences between each:What Is an Insurance Company? An insurance company is a business that provides insurance policies to its customers. Insurers, or insurance providers, can offer insurance policies directly (if someone contacts them by phone or online) and indirectly (through insurance brokers). https://www. zensurance. com/wp-content/uploads/2022/03/Aug-21-Insurance-Broker_Blog-Image. pngInsurance providers collectannual or monthly premiumsfrom policyholders in exchange for the promise to provide financial protection if you suffer an insurable loss, such as a fire that damages your commercial property. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesInsurance companies assume the financial risk associated with potential claims and use the collected premiums to pay out claims when they occur. They also determine coverage terms, set premium rates, and manage claims.  An insurance company assesses a small business owner's or self-employed professional's risk level when considering their coverage application. For instance, when you fill out a business insurance application with Zensurance, you are asked where your business is located, what products and services you offer, and whatyour company's annual revenueis. You’ll also be asked how many years of experience you have, how many employees you have (if any),if you use vehicles for businessor not, and how many previous insurance claims you may have filed. Insurance companies want to know these details... --- ### Back to School: 5 Reasons Why Tutors and Teachers Need Insurance > As teachers, private tutors, and education professionals prepare for a new school year, now’s the time to brush up on your knowledge of the liability risks educators face. Learn how insurance can help you pass the upcoming school season with flying colours. - Published: 2023-08-18 - Modified: 2023-08-18 - URL: https://www.zensurance.com/blog/back-to-school-5-reasons-why-tutors-and-teachers-need-insurance - Categories: Insurance - Tags: professional liability, teacher, tutor As teachers, private tutors, and education professionals prepare for a new school year, now’s the time to brush up on your knowledge of the liability risks educators face. Learn how insurance can help you pass the upcoming school season with flying colours. We’re approaching every parent’s favourite time of the year: back-to-school season! It’s also a time when private tutors and academic assistants who work with children outside of a traditional classroom and teachers in both public and private schools should consider purchasing atutor insurance policy. That may prompt some leery educators to crook an eyebrow and ask, “Why would a tutor or teacher who works at a school or through a tutoring business need an insurance policy? ” There are no bad questions in the education world. After all, how do people learn and grow their knowledge if they don’t ask questions? (That’stwogood questions! )https://www. zensurance. com/wp-content/uploads/2022/08/Aug-18-Teacher_Blog-Image. pngLet’s get to the lowest common denominator – here are five reasons why every tutor, teacher, or education professional should protect themselves with a customized insurance policy:https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories 1. Even Teachers Make MistakesTeachers and tutors are brimming with knowledge to bestow on their willing students. But sometimes, educators can get it wrong, forget to do something, or make mistakes. Teaching errors or a child’s underwhelming results may lead to outraged parents when their kid doesn’t do as well as expected after investing in your services as a private tutor. Such scenarios could trigger parents to launch a lawsuit against you for damages, and lawsuits – even a frivolous one with no merit – can cost thousands of dollars, not to mention an immeasurable amount of stress. A comprehensive tutor insurance policy includesprofessional liability insurance(also known as errors and... --- ### From Profit to Peril: 7 Risks Landlords Face with Rental Property Ownership > There are many benefits to being a landlord. But it’s also a big responsibility that must be treated like a business. See what common liabilities landlords face and how a damage checklist and adequate insurance protection can help. - Published: 2023-08-16 - Modified: 2023-10-13 - URL: https://www.zensurance.com/blog/from-profit-to-peril-7-risks-landlords-face-with-rental-property-ownership - Categories: Insurance - Tags: commercial property, landlord, landlord insurance, landlord lp There are many benefits to being a landlord. But it’s also a big responsibility that must be treated like a business. See what common liabilities landlords face and how a damage checklist and adequate insurance protection can help. Despite the many upsides of owning and renting a residential property, there are also several risks of being a landlord. Here are seven common liability risks landlords face:1. Third-Party Bodily InjuriesYou can be liable for anyone who steps onto your rental property that is injured – a tenant, one of their visitors, or a delivery person. For example, if someone trips on an uneven entrance into your home or apartment building or slips and falls because of ice and snow that hasn’t been cleared, you could be held responsible for the injured individual’s medical and related expenses, such as their loss of income due to the injury. https://www. zensurance. com/wp-content/uploads/2023/08/Aug-16-Landlords_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories 2. Tenant Property DamageIf a tenant’s personal belongings are damaged by an incident or accident that arises because you neglected to maintain the property, you can be responsible for paying for their losses. For instance, if you fail to fix water leaks, have structural issues to the property addressed, or clean up mould that’s discovered. 3. Health-Related HazardsHazards that can severely affect your tenants’ health are another considerable risk. So, suppose your building or home contains lead-based paint or asbestos. In that case, you need to disclose that information to your tenants or prospective tenants and take action to prevent their exposure to it and have those toxic substances removed. 4. Damage to Rental PropertiesUnexpected incidents could inflict significant damage on your rental property. For example, fire is one of the most... --- ### Survey: More Than Half of Canadian Small Businesses Struggling Because of Inflation > On the heels of recovering from the financial impacts of the pandemic, Zensurance’s Small Business Confidence Index 2023 finds small business owners fretting over the ravages of inflation, rising interest rates, increasing their prices, and mitigating business-related risks. - Published: 2023-08-11 - Modified: 2023-08-11 - URL: https://www.zensurance.com/blog/survey-more-than-half-of-canadian-small-businesses-struggling-because-of-inflation - Categories: Insurance On the heels of recovering from the financial impacts of the pandemic, Zensurance’s Small Business Confidence Index 2023 finds small business owners fretting over the ravages of inflation, rising interest rates, increasing their prices, and mitigating business-related risks. The financial health and wellness of their businesses have a majority of Canadian small business owners and self-employed professionals overwhelmingly worried, with 89% of respondents to Zensurance’s nationalSmall Business Confidence Index 2023online survey identifying inflation as their top concern. Among the other top issues worrying business owners are rising interest rates and the need to increase their prices (both 80%), the cost of gasoline (78%), and effectively managing their cash flow (70%). Also noteworthy, 63% cite mitigating their liability risks and the cost of business insurance as prominent concerns. https://www. zensurance. com/wp-content/uploads/2023/08/Inflation-Survey_Blog-Image. jpghttps://www. zensurance. com/wp-content/uploads/2023/08/PR_Blog-Image-1-desktop-1. pngWhile the ravages of inflation andconcerns about the economyhave been making headlines for months, the focus is often on how it’s affecting consumers. That nearly 98% of the 1. 21 million businesses in Canada are small businesses employing 8. 2 million people (68% of the total private labour workforce), the Zensurance survey results provide a worrisome view of how the backbone of the Canadian economy is holding up, particularly after theimpact of the pandemic. On that point, when asked what impact the state of the economy has had on their businesses in the first half of 2023, the majority of respondents (60%) say it’s had a negative impact, with 24% of respondents in Ontario saying the effects on their businesses are significantly negative – the highest tally regionally.  Nationally, another 27% say the state of the economy has had little to no impact, and only 12% say it’s been positive. https://www. zensurance. com/wp-content/uploads/2023/08/PR_Blog-Image-2-desktop. png Preventing... --- ### How to Become a Yoga Instructor in Canada > New yoga practitioners have plenty of opportunities to start their practices. Explore the requirements to become a certified yoga instructor in Canada and the steps you need to take to get there. - Published: 2023-08-11 - Modified: 2023-09-01 - URL: https://www.zensurance.com/blog/how-to-become-a-yoga-instructor-in-canada - Categories: Small Business Tips - Tags: how to start, yoga, yoga insurance New yoga practitioners have plenty of opportunities to start their practices. Explore the requirements to become a certified yoga instructor in Canada and the steps you need to take to get there. Yoga is not new, but its popularity among health-conscious Canadians has been reaching new heights in the past few decades. That’s because more Canadians recognize the mental and physical benefits the philosophy provides. It’s arguably an art and a science uniting the body, mind, and soul. It’s estimated one in five (21%) Canadians practice yoga regularly. Furthermore, Leger 360 notes yoga is particularly popular with young Canadians, with 35% of people between 18 and 34 practicing it. Additionally, the University of British Columbia cites data suggesting the global pilates and yoga studios market will grow to be worth over US$145 billion by 2027. In other words, despite the competitive nature of the industry, there is plenty of opportunity for new yoga practitioners to enter the market. https://www. zensurance. com/wp-content/uploads/2023/08/Aug-11-Yoga_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesLet’s explore the requirements to become a certified yoga instructor in Canada and the steps you need to take to get there. What Is a Yoga Instructor? A yoga instructor or practitioner guides people through yoga practices, helping them develop physical, mental, and spiritual well-being. But yoga teachers do more than host and lead yoga sessions. Their responsibilities may include: Demonstrating poses or asanas and guiding their students through each sequence while teaching proper breathing techniques and alignment Creating lesson plans for classes that address the abilities of their students and help them achieve their goals Teaching meditation and relaxation techniques to reduce anxiety and promote mental clarity and overall wellness while prioritizing their... --- ### What Is Professional Negligence? > Professional negligence claims can occur in multiple industries or professions. Get an overview of what it is, how it differs from professional misconduct, and how you can prevent it from happening to you. - Published: 2023-08-09 - Modified: 2024-12-18 - URL: https://www.zensurance.com/blog/what-is-professional-negligence - Categories: Insurance - Tags: insurance for accountants, professional liability, professional negligence Professional negligence claims can occur in multiple industries or professions. Get an overview of what it is, how it differs from professional misconduct, and how you can prevent it from happening to you. If a consultant, accountant, engineer, or financial advisor fails to meet the standard or duty of care expected in their field of expertise, and it results in harm or financial loss to one of your clients, that’s the definition of professional negligence, and the client can sue you for damages. Professional negligence can occur in multiple industries or professions. In essence, a professional negligence claim can be made against anyone who’s considered an expert in their vocation or through the services they provide and who’s been paid by a client for their services and advice.   Examples of Professional NegligenceExamples of professional negligence can include misdiagnosis or medical errors by a healthcare professional, financial mismanagement by an accountant, pooradvice given by a consultant, or faulty designs by an architect,contractor, or engineer that leads to structural failures of a building project. https://www. zensurance. com/wp-content/uploads/2023/08/Aug-9-Professional-Negligence_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesIf you’re liable for professional negligence, you may be required to compensate the affected party or parties for the harm caused. That can include covering the client’s expenses, lost income, or repairing damages to their properties.   Moreover, your reputation may be hurt, and depending on your industry or profession, you can face disciplinary actions as per your industry's regulations and laws in your province. What’s the Difference Between Professional Negligence and Misconduct? Though professional negligence and professional misconduct are similar concepts, each is unique and has different consequences. Professional negligence involves a breach of the standard or duty of care owed by... --- ### What Insurance Do Filmmakers Need? > Filmmakers face a wide range of liability risks. Learn how insurance can help if something goes wrong. - Published: 2023-08-04 - Modified: 2023-08-04 - URL: https://www.zensurance.com/blog/what-insurance-do-filmmakers-need - Categories: Insurance Though making movies, shows, videos, and commercials can be an exciting and dynamic career, like any professional, filmmakers face a wide range of liability risks. Get a view on how to minimize your risks and how insurance can help if something goes wrong. Lights! Camera! Action! These are perhaps the three most exciting words in the film-making business. Despite the thrill of creating and releasing a film or related work, there always exists the potential for something to go wrong that could result in expensive damages, injuries, or a lawsuit. A customizedfilm production insurancepolicy can help protect you, your crew, and your assets and provide you with acertificate of insurance (COI)verifying you’re covered. It’s a vital part of your film production’s risk management plan. https://www. zensurance. com/wp-content/uploads/2023/08/Aug-2-Film-Maker_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What Is Film Production Liability Insurance? Film production liability insurance is a tailored policy that addresses the many liability risks a filmmaker or production team may face before, during, and after a shoot. What your policy should contain and itscoverage limitsdepend on the details of your production and the potential risks you face. What Liability Risks Does a Filmmaker Face? Though making movies, shows, videos, and commercials can be an exciting and dynamic career, like any professional, filmmakers face a wide range of liability risks, including: Copyright infringement Defamation Privacy violations Intellectual property disputes Third-party bodily injury and property damage Damage to cameras and equipment Contractual disputes Professional negligence Permit violations How Can Filmmakers Mitigate Their Liability Risks? There are many steps any filmmaker can take to mitigate their liability risks, such as: Seek Legal Advice: Consult with an experienced entertainment attorney specializing in film and media law to review contracts, secure necessary permissions, and provide guidance on... --- ### Business Insurance Lapse: What Happens When Your Policy Expires > An insurance policy that lapses, expires, or is cancelled by a provider can leave you uninsured and lead to a host of problems. Learn what can lead to an insurance lapse, how it can affect you, and what to do if it happens to your business. - Published: 2023-08-02 - Modified: 2024-02-23 - URL: https://www.zensurance.com/blog/business-insurance-lapse-what-happens-when-your-policy-expires - Categories: Insurance - Tags: insurance expires, insurance lapse, renew insurance An insurance policy that lapses, expires, or is cancelled by a provider can leave you uninsured and lead to a host of problems. Learn what can lead to an insurance lapse, how it can affect you, and what to do if it happens to your business. Finding low-cost insurance for your company or profession can be daunting, but with the help of a business insurance broker, the task is less onerous.   However, abusiness insurancepolicy that lapses, expires, or is cancelled by a provider can leave you uninsured and exposed to paying for costly damages or lawsuits on your own. Should it happen to you, it can make getting a new policy difficult and more expensive. What Can Cause a Lapse in Business Insurance? A few things can trigger a lapse in your business insurance policy, including:https://www. zensurance. com/wp-content/uploads/2023/08/Aug-4-Insurance-Lapse_Blog-Image-1. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories You did not renew the policy before it expired. Business insurance policies are typically one-year contracts between you and an insurance provider thatneeds to be renewed annually. If you don’t renew your policy on time and it expires, that leads to a lapse in coverage. You were unable to pay your monthly premium on time. A common reason for policy lapses, if a policyholder does not pay their monthly premium on time as agreed, an insurer may cancel the policy following a briefgrace period. An insurer cancels a policy because of misrepresentation or misleading information. An insurance provider may cancel a policy if a business owner or independent professional gives false or misleading information about their operations when applying for coverage. An insurer cancels a policy due to a fraudulent claim being filed. Fraud is among the top reasons insurance premiums rise. If an insurer suspects fraudulent activity related toa... --- ### Why Consultants Need Contractual Liability and E&O Insurance > Among the types of coverages every consultant should consider as part of a comprehensive insurance policy are contractual liability and errors and omissions insurance. Let’s take a closer look at these two types of insurance and why you need them. - Published: 2023-07-31 - Modified: 2023-08-04 - URL: https://www.zensurance.com/blog/why-conultants-need-contractual-liability-and-eo-insurance - Categories: Insurance - Tags: consultants, contractual liability, errors and omissions, professional liability Among the types of coverages every consultant should consider as part of a comprehensive insurance policy are contractual liability and errors and omissions insurance. Let’s take a closer look at these two types of insurance and why you need them. The professional consultancy industry is a broad, diverse sector serving multiple organizations across various industries in advisory, strategy, and implementation roles. For example, independent consultants or firms serve in various fields, including human resources, information technology, finance, business management and development, marketing, and business operations. And it’s a lucrative industry: according to the latest data from Statistics Canada, the management, scientific, and technical consulting services industry grew strongly in 2021, reaching $29. 2 billion in operating revenue, up by almost 10% from 2020, with businesses (64. 6%) the largest share of the client base. Regardless of the type of services you or your consultancy offers or the industry you serve, there’s little doubta consultant should have a business insurance policyas part of their risk management and business continuity plan. https://www. zensurance. com/wp-content/uploads/2023/07/Consultants-500x333px. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesAmong the coverages every consultant should consider as part of a comprehensive insurance policy arecontractual liability insuranceanderrors and omissions (E&O) insurance. Let’s look at these two types of insurance and why every consultant should have them in their policies. How Contractual Liability Insurance Helps ConsultantsContractual liability insurance covers your legal obligations and liabilities arising from contracts or agreements with clients. When you sign a contract, you’re assuming specific responsibilities and liabilities that could lead to financial losses if you fail to fulfill the obligations outlined in the agreement. Contractual liability insurance can help you in two primary ways should issues arise:1. Protection from breach of contract claimsIf you’re accused of failing... --- ### What Is Hired and Non-Owned Commercial Auto Insurance? > If you hire, rent, or lease vehicles for your small business, or if your employees are using their cars for business purposes, you need to add optional commercial auto coverages to protect your finances if those vehicles are damaged. Here’s what you need to know. - Published: 2023-07-28 - Modified: 2023-07-28 - URL: https://www.zensurance.com/blog/what-is-hired-and-non-owned-commercial-auto-insurance - Categories: Insurance - Tags: commercial auto, commercial auto insurance, fleet vehicle insurance If you hire, rent, or lease vehicles for your small business, or if your employees are using their cars for business purposes, you need to add optional commercial auto coverages to protect your finances if those vehicles are damaged. Here’s what you need to know. Not only is it required by law nationwide to insure any vehicle regardless of its use, but for business owners, it’s highly recommended to buycommercial auto insuranceto protect the business vehicles you own, as most private-passenger car insurance policies do not cover incidents or accidents involving a vehicle used for business purposes.  However, if your company has five or more business vehicles, getting a commercialfleet vehicle insurancepolicy to cover them is more economical than buying individual policies for each set of wheels. But what if your small business owns no vehicles, and you must hire, rent, or lease one? Or, what if you rely on your employees to use their cars for work, such as making deliveries or shuttling raw materials and people from one location to another? https://www. zensurance. com/wp-content/uploads/2023/07/July-28-Comm-Auto_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesIn either scenario, you should add optional coverages to your commercial auto policy to protect your finances if these vehicles are damaged or involved in a car accident.  What follows is a breakdown of hired commercial auto insurance, commercial non-owned auto coverage, what’s in a basic or mandatory business vehicle policy, and a few other optional coverages you can add to a basic policy to maximize your protection. What Is Hired Commercial Auto Insurance? Hired commercial auto insurance covers vehicles you hire, rent, or lease for your business, including cars, pickups, vans, SUVs, and trailers. It is an optional type of coverage you can include in a basic or mandatory business vehicle... --- ### How to Register a Business in Ontario > Get ready to launch your startup or new business venture in Canada’s most populous province by following the steps in our in-depth guide on registering your company in Ontario. - Published: 2023-07-26 - Modified: 2023-07-27 - URL: https://www.zensurance.com/blog/how-to-register-a-business-in-ontario - Categories: Small Business Tips - Tags: commercial insurance, equipment breakdown insurance, small business insurance Get ready to launch your startup or new business venture in Canada’s most populous province by following the steps in our in-depth guide on registering your company in Ontario. Starting a business in Ontariopresents a world of opportunities. As a prime destination for entrepreneurs in Canada, Ontario attracts numerous new companies annually, drawn to its vibrant economic landscape. Ontario has the highest population among provinces and territories, comprising nearly 50% of the country’s total population. Ontario is also a significant economic powerhouse, with a remarkable gross domestic product (GDP) of $970 billion in 2021, representing almost 40% of our national GDP. Thriving manufacturing and service sectors, and Canada’s “Silicon Valley” in Kitchener-Waterloo, foster conducive business environments. Ontario offers easy access to a substantial consumer base and a well-developed transportation network, including planes, trains, and roads. With 14 border crossings into the U. S. from Ontario alone, businesses can seamlessly engage in importing and exporting activities. https://www. zensurance. com/wp-content/uploads/2023/07/July-26-Register-Business_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesHowever, to ensure your small business thrives, taking the proper steps and registering your venture in Ontario is crucial. That helps provide you with essential legal protection, name recognition, and improved access to funding and capital opportunities to grow and succeed. Moreover, registering your business in Ontario opens doors to a bustling marketplace with abundant growth opportunities and convenient access to resources. Let’s go over the steps you need to take. Determine Your Business’s StructureBefore registering your business in Ontario, you’ll need to identify your business’s structure. Each structure has distinct implications for liability, taxation, and management, so it is of utmost importance that you carefully assess which aligns best with your business goals.... --- ### Do You Need Insurance for Your Lawn Mowing Business? > Even if your existing or upstart lawn care business only offers basic lawn care and grooming services to residential clients, protecting your finances and reputation is essential. Here’s what you need to know. - Published: 2023-07-24 - Modified: 2023-09-14 - URL: https://www.zensurance.com/blog/do-you-need-insurance-for-your-lawn-mowing-business - Categories: Insurance - Tags: commercial insurance, equipment breakdown insurance, small business insurance Even if your existing or upstart lawn care business only offers basic lawn care and grooming services to residential clients, protecting your finances and reputation is essential. Here’s what you need to know. Mowing lawns and providing lawn care services to residential, commercial, and industrial clients can be a lucrative small business. According to data from IBISWorld, Canadian landscaping revenue expanded at a compound annual growth rate (CAGR) of 6. 6% since 2018 to be worth an estimated $18. 4 billion in 2023. Even during the pandemic, Canuck landscaping and lawn care businesses fared well, with revenue climbing by 12. 8% in 2020 alone. Young, aspiring entrepreneurs may be thinking about establishing a lawn care business. Although it’s a highly competitive industry, there’s always an opportunity to develop a healthy client list and run a profitable small business by differentiating yourself from your competitors. https://www. zensurance. com/wp-content/uploads/2023/07/July-24-Lawn-Mower_Blog-Image. jpghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesOne way to do that is to provide your clients with a validcertificate of insurancethat verifies you’re invested in protecting yourself and your clients with lawn care liability insurance. Do I Need Insurance to Mow Lawns? Even if your existing or upstart lawn care business only offers basic lawn care and grooming services to residential clients, it’s essential to protect your finances and reputation. In many cases, your target clientele may not hire you without knowing you have alandscaping and lawn care business insurancepolicy. After all, costly accidents, mistakes, contract disputes, or theft and vandalism can strike any small business owner in any industry without warning. What Kind of Insurance Does a Lawn Care Business Need? Like your lawn care business, alandscaping insurancepolicy is unique. It’s a customized policy... --- ### What Type of Insurance Does Your Photo Booth Business Need? > Industry data suggests it’s a picture-perfect time to own a photo booth business. But for small business owners who provide, service, rent, and sell photo booths, focusing on protecting their assets is vital. Let’s zoom in on the insurance your photo booth business needs. - Published: 2023-07-21 - Modified: 2023-07-21 - URL: https://www.zensurance.com/blog/what-type-of-insurance-does-your-photo-booth-business-need - Categories: Insurance - Tags: commercial insurance, equipment breakdown insurance, small business insurance Industry data suggests it’s a picture-perfect time to own a photo booth business. But for small business owners who provide, service, rent, and sell photo booths, focusing on protecting their assets is vital. Let’s zoom in on the insurance your photo booth business needs. Once a common sight at every shopping mall, airport, and in other public places, you can be forgiven for thinking the massive growth of mobile phone adoption with their built-in digital cameras would spell the end of the photo booth industry. But picture this: data from Straights Research finds the global photo booth market was valued at more than US$540 million in 2021 and is projected to reach US$719 million by 2030. Moreover, North America represents the fastest-growing digital and analogue photo booth market, with wedding receptions, private party rentals, and placements in entertainment venues and bars becoming increasingly popular.  It’s easy to see why. Photo booths are fun and interactive devices that capture memorable moments through digital or print photos. https://www. zensurance. com/wp-content/uploads/2023/07/July-21-Photo-Booth_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesThe booths typically consist of a camera, stool, and backdrop. While analogue photo booths print a photo strip, many are now digitized. They include options for users to share the images they take on social media or send them to others via email or text message. There are also adjustable 360 photo booths where people stand on a small, circular platform with a camera affixed to a rotating arm that moves around them, capturing images or videos. For small business owners who provide, service, rent, and sell photo booths, the resurgent demand for photo booths in Canada is beautiful to see. But to ensure their success, a customized photo booth insurance policy is essential to protect these enterprising business... --- ### What Is Contractor Equipment Insurance? > Thieves and vandals look for low-risk opportunities at construction sites with lax security. Understand how contractor equipment insurance can help, and see our recommended tips for enhancing security and preventing theft at every job site. - Published: 2023-07-19 - Modified: 2023-09-14 - URL: https://www.zensurance.com/blog/what-is-contractor-equipment-insurance - Categories: Insurance - Tags: contractor, contractor insurance, tools and equipment Thieves and vandals look for low-risk opportunities at construction sites with lax security. Understand how contractor equipment insurance can help, and see our recommended tips for enhancing security and preventing theft at every job site. General contractors, builders, renovation experts and other skilled trades professionals are crucial to Canada’s construction industry.  Furthermore, contractors are often self-employed or independent small business owners who oversee and manage a construction project from start to finish. Their work involves coordinating various aspects of the construction process, hiring subcontractors, and ensuring a project is completed on time and within budget while adhering to the desired specifications of their customers.  Wherever these hardworking professionals travel to for the various construction projects they have, the transportable tools and equipment they need to do their work travel with them. One significant risk contractors and builders face is vandalism and the theft of their tools and equipment from a job site. https://www. zensurance. com/wp-content/uploads/2023/07/July-19-Contractor-Equipment_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesStatistics suggest an estimated $46 million worth of tools and heavy equipment (such as bulldozers, backhoes, and cement mixers) is stolen from construction sites in Canada annually. That highlights the necessity of purchasing contractor equipment insurance. Also referred to astools and equipment insurance, it is designed to reimburse contractors for damage to or theft of the tools and equipment they own, lease, or rent. What Does Tools and Equipment Insurance Cover Exactly? Tools and equipment insurance covers a broad range of items if they’re stolen, lost, vandalized, or damaged by fire, water, or a natural disaster, including: Hand tools – hammers, screwdrivers, hand saws, wrenches, chisels, pliers, utility knives Power tools – battery-powered or electric drills, circular saws, angle grinders, nail guns, heat... --- ### 5 Tips for Dog-Friendly Businesses > Business owners who are eager to make their commercial spaces a welcoming environment for all including dog owners and their pooches must take precautions, and don’t forget about the doggone insurance risks. - Published: 2023-07-17 - Modified: 2023-07-17 - URL: https://www.zensurance.com/blog/5-tips-for-dog-friendly-businesses - Categories: Small Business Tips - Tags: commercial insurance, small business insurance Business owners who are eager to make their commercial spaces a welcoming environment for all including dog owners and their pooches must take precautions, and don’t forget about the doggone insurance risks. Many business owners – from retailers to restauranteurs – have pet-friendly policies that permit dog owners to bring their canines inside while shopping. Or, for eating establishments, provide a pet-friendly patio while their owners eat in their dining areas. It’s easy to see why: according to data from Statista, there are an estimated 7. 9 million dog owners in Canada as of 2022. Business owners are eager to make their commercial spaces a welcoming environment for all, and that includes dog owners and their pooches. Despite the forward-thinking approach to welcoming customers who have dogs in tow onto your premises, small business owners need to consider the risks of that decision and how to mitigate them. After all, one unfortunate incident involving a customer’s dog in your place of business could escalate to a lawsuit that could cost you thousands of dollars and potentially lead to bankruptcy. https://www. zensurance. com/wp-content/uploads/2023/07/July-31-Dog-Friendly-Business_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesFor instance, if one of your customers is attacked by another customer’s dog or a patron in your establishment suffers a severe allergic reaction requiring medical attention because there were dogs inside your shop or eatery, the affected person could sue you for third-party bodily injury damages. Whether your business has a dog-friendly policy in place now or if you’re thinking of opening the doors to allow our four-legged friends inside your digs, make sure you take these five steps:1. Advertise your business is pet-friendlyUse signage and publish on your website, social media... --- ### Shipping on the Cheap: 7 Ways to Reduce Your Shipping Costs > There’s no such thing as ‘free shipping’. You either pass on the cost to the consumer and your profits take a hit or absorb them and it takes a big bite out of your earnings. Here’s how to find a better balance. - Published: 2023-07-14 - Modified: 2023-07-14 - URL: https://www.zensurance.com/blog/shipping-on-the-cheap-7-ways-to-reduce-your-shipping-costs - Categories: Small Business Tips - Tags: business contents, ecommerce, Etsy, fees, lean waste, shopify, small business shipping, survey, tax There’s no such thing as ‘free shipping’. You either pass on the cost to the consumer and your profits take a hit or absorb them and it takes a big bite out of your earnings. Here’s how to find a better balance. In today’s increasingly digital world, e-commerce is vital for Canadian businesses. Data from Statista states revenue from the Canadian e-commerce market is expected to show a compound annual growth rate (CAGR) of 10. 6% in 2023, resulting in a projected market volume of more than US$82 million by 2027. Shopping online eliminates the obstacles of distance and boundaries for consumers, but it creates challenges for small business owners and e-commerce startups. The increase in online shopping and the rise of mobile and social commerce — buoyed by the growing adoption of digital payments and the availability of high-speed internet — doesn’t negate the expenses associated with delivering products to customers. The cost of shipping can erode profit margins and limit business growth. But by implementing effective strategies to reduce shipping costs, businesses can increase profitability, customer satisfaction, competitiveness, market reach, and profitability. Read on to discover practical and effective ways to help your business ship on the cheap! https://www. zensurance. com/wp-content/uploads/2022/06/July-14-Shipping-Costs_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What Shipping Materials Do You Need? You will need shipping materials specific to your product type, and here are some essential shipping materials to get started: Sturdy boxes of appropriate size and weight for your products. Strong packing tape to seal your boxes and keep them sealed. Bubble wrap for fragile items that need shock-absorbing and cushioning. Shipping labels for identification and relevant shipping information. Mailing envelopes for smaller items or documents that do not need a box. Packing peanuts for... --- ### 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 issues. Here's why you should think about adding it to your policy. - Published: 2023-07-12 - Modified: 2023-07-12 - URL: https://www.zensurance.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. Few things are more stressful or alarming for small business owners than being sued. Whether the legal action against your business or profession was launched by a customer, employee, business partner, or another organization, defending yourself can be costly, even if that lawsuit is considered frivolous or without merit. How can you manage those costs and the potential damage to your business’s reputation?  The answer is legal services insurance. Also known aslegal expense insurance, it was first offered in Canada in the 1990s. Over time, it’s become more commonplace for small business owners, self-employed professionals and contractors, and entrepreneurs to add it to their business insurance policies. https://www. zensurance. com/wp-content/uploads/2022/06/July-12-Legal-Services_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesIt's a wise move, especially considering it's not a pricey add-on for a policy (it typically costs around $200 annually). However, it may be an often-overlooked type of coverage that many business owners choose not to add. What Is Legal Services Insurance? Legal services insurance is a form of protection you can tap to shield your small business or yourself from the various legal expenses you incur if you need to hire and retain a lawyer, whether you are being sued, need legal advice, or if you wish to pursue legal action against another business or individual. There are two types of legal event coverage insurance available in Canada: Before-the-event (BTE) insurance. As the insured (that's you) covers unanticipated events that unfold. It covers your legal costs, disbursements, court fees, and adverse costs... --- ### What Is a Certificate of Insurance (COI)? > Get the lowdown on what a certificate of insurance (COI) or proof of insurance document is and why your small business or profession needs one. - Published: 2023-07-10 - Modified: 2025-02-13 - URL: https://www.zensurance.com/blog/what-is-a-certificate-of-insurance - Categories: Insurance - Tags: cancel policy, certificate of insurance, construction equipment, construction insurance, grant25, insurance cost, proof of insurance, self-employed, small business insurance, wp Get the lowdown on what a certificate of insurance (COI) or proof of insurance document is and why your small business or profession needs one. Every small business owner, startup, independent contractor, and entrepreneur must have a business insurance policy to safeguard their finances and protect their companies and professions from liability risks.   But how do you prove you are insured if you must when forging a new partnership or signing a contract with a customer? The answer is you need a certificate of liability insurance (COI). Also referred to as a proof of insurance document, a COI is like an identification card. It is a one-page digital document that summarizes your business insurance coverage.   https://www. zensurance. com/wp-content/uploads/2021/11/July-10-COI_Blog-Image. png Need your Certificate of Insurance (COI) fast? We know your time is valuable. Get your free quote, coverage, and certificate of insurance instantly. Start Quotehttps://www. zensurance. com/wp-content/uploads/2023/05/COI-Graphic. svg What Information Does a Certificate of Insurance Have? Your licensed Zensurance broker can quickly provide you with a COI after purchasing a policy. A typical COI includes the following information: The name of the brokerage and its address that issued the COI The name of your insurance company Your name and the address of your small business or the organization that names you as an additional insured to their policy Your insurance policy number and its expiration date A description of the coverages on your policy You can also add anadditional insuredto your policy and COI if required (an additional insured is a person or organization you add to your policy that extends your coverage to them. For example, your commercial property landlord). https://www. zensurance. com/wp-content/uploads/2021/11/Zensurance-Certificate-of-Insurance-VOID. jpghttps://www. zensurance.... --- ### 7 Things to Know Before Buying Small Business Insurance > Making informed decisions is vital for any small business owner, sole proprietor, or self-employed professional, especially when purchasing insurance. Here are seven factors to consider before buying a policy. - Published: 2023-07-07 - Modified: 2023-07-07 - URL: https://www.zensurance.com/blog/7-things-to-know-before-buying-small-business-insurance - Categories: Insurance - Tags: beautician, commercial coverage, commercial insurance, consultant, insurance cost, premium, shopify, small business insurance, SME, tutor insurance, umbrella insurance Making informed decisions is vital for any small business owner, sole proprietor, or self-employed professional, especially when purchasing insurance. Here are seven factors to consider before buying a policy. Every small business owner, sole proprietor, or self-employed professional knows they need to be prepared to manage unexpected expenses or events that unfold. Zensurance’s2022 Small Business Confidence Indexhighlights some of the significant concerns business owners have, including the impact inflation is having (51%), the cost of fuel (16%), andmanaging cash floweffectively (13%). Regarding cash flow challenges, it makes small business insurance essential if your business suffers an accident, loss or damage or is named in a lawsuit. And yet, a 2016 Deloitte survey of Canadian small business owners found only 6% of respondents rank identifying and managing insurable risks and protecting themselves from lawsuits and litigation among their top priorities. Fast-forward to 2023, anda separate pollfinds seven out of 10 Canadian small businesses dealt with a legal dispute in the last three years, representing a 230% increase from 2015. https://www. zensurance. com/wp-content/uploads/2022/06/July-7-Buying-Small-Business-Insurance_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesNevertheless, if you’re exploring what your options are to insure your company, startup, or home-based business, here are seven factors to weigh before purchasing a small business insurance policy:1. What type of insurance you needIt can be tough, but determining what type of policy you need depends on your business or profession and the products or services you provide. Think about the potential risks you face and your industry. While most small businesses require coverages such asgeneral liability,commercial property, andcyber liability protection, every industry differs. For instance, a construction or demolition contractor likely requirespollution liability coverage, whereas a retailer or online... --- ### Understanding AI Hallucinations and 8 Ways to Mitigate Them > When artificial intelligence (AI) chatbots don’t have the information they need to answer a question correctly, they make it up. Called ‘hallucinations’, here are ways to try to mitigate that from happening. - Published: 2023-07-05 - Modified: 2023-07-05 - URL: https://www.zensurance.com/blog/understanding-ai-hallucinations-and-8-ways-to-mitigate-them - Categories: Small Business Tips - Tags: AI, ChatGPT, small business insurance When artificial intelligence (AI) chatbots don’t have the information they need to answer a question correctly, they make it up. Called ‘hallucinations’, here are ways to try to mitigate that from happening. If you were asked a question but didn’t know the answer, instead of admitting it, you might take a shot at answering it as convincingly as you can. If no one knew any better, they might accept your reply as correct.  As it turns out, artificial intelligence (AI) chatbots and platforms are somewhat human in that regard. They, too, may “make it up” when they don’t have all the correct information to reply to a query. It’s what’s referred to as an AI hallucination. According to Wikipedia, a hallucination in AI is a confident response by an AI platform that does not seem justified by its training data. In other words, these AI tools are prone to fabricating and providing incorrect information.  It’s a significant concern for users of these platforms and the AI industry, with OpenAI, creators of the ChatGPT chatbot and text-to-digital image generator DALL-E 2,working on training its generative AI toolsto take a more human-like approach to “thinking” to mitigate the problem. https://www. zensurance. com/wp-content/uploads/2023/07/July-5_Ai-Hallucinations_Blog-Image. pngThe risk forsmall business owners or self-employed professionals using AI toolswhen they hallucinate is potentially publishing incorrect information that could harm your reputation or, worse, inadvertently cause financial or physical harm to your clients and subsequently being sued for damages. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories How Can You Tell If an AI System Is Hallucinating? Remember that AI tools don’t know or understand things like humans do (not presently, anyway).  If it doesn’t know the answer to a question... --- ### 10 Essential Types of Business Insurance for Small Businesses in Canada > Running a small business means exposure to many potential risks. Learn the different types of business insurance and how it can protect your business. - Published: 2023-06-30 - Modified: 2024-05-15 - URL: https://www.zensurance.com/blog/10-essential-types-of-business-insurance-for-small-businesses-in-canada - Categories: Insurance - Tags: business insurance, buying insurance, COI, commercial coverage, daycare insurance, gl, golf sim, small business insurance, wp, zengrant Growing and maintaining a successful venture requires grit, determination, and consistency. But the road to success can be bumpy, and unexpected challenges can crop up. Get the lowdown on how a commercial insurance policy can help your company succeed. Owning and running a small business can transform your life, and there are many upsides to doing so, from leaving a positive impact on the world and achieving financial independence to doing what you truly love. And Canadian small businesses are a collective powerhouse of our national economy. Government statisticsshow 97. 7% of all businesses in Canada are classified as small or micro-sized companies employing almost 68% of our private labour force and contributing 36. 7% to our country’s gross domestic product (GDP).  However, growing and maintaining a successful venture requires grit, determination, and consistency. Moreover, the road to success can be bumpy, and unexpected challenges can crop up.  Business owners know they need a backup plan for if and when things go wrong. A comprehensive business insurance policy is vital to any organization's success, continuity, and adequately dealing with the unexpected.  Firstly, let’s get a quick primer on whatbusiness insurance(also known as commercial insurance) is in Canada. https://www. zensurance. com/wp-content/uploads/2023/06/June-30_Types-of-Business-Insurance_Blog-Image. png What Is Business Insurance in Canada? Business insurance is a customized policy designed to protect business owners against common risks by ensuring the financial losses associated with unforeseen hazards such as a natural disaster, accident, or lawsuit don’t shutter your business permanently. In essence, it provides financial security by transferring the potential risks faced by your company to an insurance provider in exchange for an annual premium. A commercial policy typically features various coverages tailored to your company's specific needs and risks. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts... --- ### 5 Things to Do Before Renewing Your Small Business Insurance Policy > Business insurance policies are typically one-year contracts between insurance companies and business owners. Here are five things to consider before renewing your policy. - Published: 2023-06-28 - Modified: 2023-06-30 - URL: https://www.zensurance.com/blog/5-things-to-do-before-renewing-your-small-business-insurance-policy - Categories: Insurance - Tags: additional insured, insurance broker, premium, renew insurance, small business insurance Business insurance policies are typically one-year contracts between insurance companies and business owners. Here are five things to consider before renewing your policy. Life is constantly changing and evolving, and so is your business. Your commercial insurance policy must account for those changes to protect you. Small business insurance policies are typically one-year contracts between an insurance company and an insured or business owner. A month or two before your policy expires, you will receive a notice from your broker that it’s time to renew your policy for another year.  Unlike your personal car insurance policy, most business insurance policies are not automatically renewed. That’s why it’s worthwhile to know when your existing policy expires so you can act beforehand to renew it toavoid a lapse in your coverageand being left uninsured. But what steps should a small business owner take when they notice their policy is due for renewal? Here are five things to think about before renewing your policy:https://www. zensurance. com/wp-content/uploads/2022/01/June-28_Renewing-Small-Business_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories 1. Your Products and ServicesOver the past 12 months, did you expand the types of products you sell or increase the amount of inventory you’re holding in storage? If so, you need to add or up yourproduct liability insurancecoverage or increase the limit of yourcommercial property insuranceif your warehouse footprint is expanded.  Also, consider your business's menu of services. For example, suppose you're an HVAC contractor offering a new service such as gas line installations. In that case, let your insurance broker know so it can be accounted for in your general liability and professional liability coverages. 2. Moving to a New... --- ### How to Write a Small Business Plan > If you want to start your own business, your first step is drafting a comprehensive business plan. Read our in-depth guide on what you need to do to get started. - Published: 2023-06-26 - Modified: 2023-07-13 - URL: https://www.zensurance.com/blog/how-to-write-a-small-business-plan - Categories: Small Business Tips If you want to start your own business, your first step is drafting a comprehensive business plan. Read our in-depth guide on what you need to do to get started. As an entrepreneur, you know that starting a small business in Canada can be an exciting and rewarding endeavour. However, before diving into a business venture or starting up your startup, it’s crucial to have a well-crafted business plan in place. But what is a business plan? Whatever you decide to call it — a roadmap, a framework, a blueprint, a secret recipe — it tells you where you want to go, how you’ll get there, and what you need to do along the way. However, it’s vital to apply careful planning and preparation to this process. A business plan can be long and daunting, but it doesn’t have to be. Let’s dive into what a business plan entails and its key components. We’ll highlight the difference between a business and a strategic plan and provide a step-by-step guide to crafting an effective plan. Before we wrap it up, we’ll point out the importance of having a business insurance policy and how to obtain adequate coverage promptly. https://www. zensurance. com/wp-content/uploads/2023/06/June-26_Small-Business-Plan_Blog-Image. png https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What Is a Business Plan? A business plan is a formal document that outlines your vision and acts as a guide to drive your business activities. It can significantly increase your chances of obtaining financing and achieving your goals by helping to communicate your vision to potential investors, lenders, and stakeholders. What Does a Business Plan Include? When creating your business plan, by including key performance indicators (KPIs) or benchmarks in... --- ### Why Copywriters Need Professional Liability Insurance > Copywriters' work has inherent risks that can lead to legal disputes and financial liabilities, particularly using generative artificial intelligence (AI) platforms. Here's why you need to get professional liability coverage. - Published: 2023-06-23 - Modified: 2023-06-30 - URL: https://www.zensurance.com/blog/why-copywriters-need-professional-liability-insurance - Categories: Insurance - Tags: AI, business insurance, copywriter, media liability, professional liability Copywriters' work has inherent risks that can lead to legal disputes and financial liabilities, particularly using generative artificial intelligence (AI) platforms. Here's why you need to get professional liability coverage. Copywriters play a crucial role in crafting persuasive and engaging content for businesses.  However, their work comes with inherent risks that can lead to legal disputes, financial liabilities, and reputational damage. And in the age ofgenerative artificial intelligence (AI) platforms, the stakes are heightened for copywriters who use AI tools like ChatGPT. That’s all the more reason to protect your career and financial security with a customized professional liability insurance policy. Understanding Professional Liability Insurance Professional liability insurance, or errors and omissions (E&O) insurance, protects copywriters, freelance writers, authors, and other content producers from liability risks associated with their work. https://www. zensurance. com/wp-content/uploads/2023/06/June-23_Copywriter_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesIt provides financial protection for legal defence costs and indemnity for damages in case of lawsuits or claims arising from alleged negligence, errors, or omissions in the performance of their jobs. However, professional liability coverage is only one part of a comprehensivemedia liability insurancepolicy for copywriters. The customized policy you need depends on various factors, including the type of content you produce. What Liability Risks Do Copywriters Face? In many cases, a copywriter’s clients will require them to have a validcertificate of insurance, or they won’t hire them. That’s because the work copywriters do can result in several legal risks despite how cautious they are, such as: Intellectual Property Infringement: Copywriters must be cautious about using copyrighted material or trademarks without proper authorization. Inadvertently including protected content in their work can lead to legal complications andinfringement claims. Defamation and Misrepresentation:... --- ### What You Need to Know About Self-Employed Insurance > Despite working independently, self-employed professionals still face certain risks and liabilities that can impact their business and personal finances. Get a quick rundown of how insurance can protect you. - Published: 2023-06-21 - Modified: 2023-09-14 - URL: https://www.zensurance.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 Despite working independently, self-employed professionals still face certain risks and liabilities that can impact their business and personal finances. Get a quick rundown of how insurance can protect you. Every small business owner or entrepreneur needs to be financially prepared to deal with unexpected events or accidents should they happen. It’s why these savvy business people purchaseliability insurance. The same applies to self-employed professionals or solopreneurs who do not work for a company. Instead, they agree to a contract for services with an employer, work independently, are free to determine when and for whom they work, and may choose to work for multiple employers simultaneously. According to the Labour Market Information Council, solo self-employed Canadians (individuals who work independently without employees) account for 73% of all self-employed people.  These self-employed professionals also need to prepare for the unexpected by having a backup plan to help them recover financially from an accident, mishap, or lawsuit. https://www. zensurance. com/wp-content/uploads/2022/02/June-21_Self-Employed_Blog-Image. png What Types of Insurance Do Self-Employed Professionals Need? Determining what types of insurance a policy for self-employed professionals or solopreneurs should have depends on the specifics of what you do. However, most self-employed insurance policies include the following coverages:https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories General liability insurance General liability insuranceis the most common coverage self-employed and other small business owners purchase. It covers the cost of third-party bodily injury or property damage resulting from an accident at your business or during regular operations. Many contacts or companies may only hire you if you provide them with proof (usually called acertificate of insurance) that you have a valid policy. Commercial property insuranceWhether you work out of your home or another... --- ### 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. - Published: 2023-06-19 - Modified: 2023-07-04 - URL: https://www.zensurance.com/blog/how-to-declare-your-small-businesss-annual-revenues-and-why-it-matters - Categories: Finance, Insurance - Tags: business insurance, premium, revenue 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. Filling out a business insurance application to get coverage for your small business or profession involves answering questions about yourself or your company and your services and products. Its purpose is to provide detailed information about your business, operations, and the associated risks you face to an insurance company. It helps insurance companies evaluate the potential risks involved in insuring you, determines the appropriate amount of coverage you need, and the annual premium you are charged. Completing a thorough and accurate business insurance application is crucial for obtaining appropriate coverage and ensuring your business's specific risks are properly addressed. By providing accurate and up-to-date information and disclosing all relevant details helps avoid potential issues with the policy or if you need tofile an insurance claimdown the line. https://www. zensurance. com/wp-content/uploads/2023/06/June-19_Annual-Revenue_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesAmong the questions abusiness insuranceapplication asks is what your annual and projected revenue is. Why Do Insurance Providers Want to Know Your Small Business's Revenue? Insurance companies ask for a small business's annual and projected revenue on an insurance application to assess the scale and potential risks associated with your company’s operations.  There are a few reasons why insurance companies consider this information:Risk EvaluationThe annual and projected revenue provides insights into the size and scope of your business. Insurance companies use this information to assess the potential risks associated with your operations. For example, a higher revenue may indicate a larger scale of operations, which may involve more significant risks and potential liability... --- ### Compressed Work Week: Does a 4-Day Work Week Suit Your Small Business? > Compressed work weeks are gaining significant traction in Canada. Several studies suggest adopting the tactic can benefit employees and employers. But is it suitable for your company? Here are the potential benefits and drawbacks of doing so. - Published: 2023-06-16 - Modified: 2023-07-04 - URL: https://www.zensurance.com/blog/compressed-work-week-does-a-4-day-work-week-suit-your-small-business - Categories: Small Business Tips - Tags: essentials, general liability Compressed work weeks are gaining significant traction in Canada. Several studies suggest adopting the tactic can benefit employees and employers. But is it suitable for your company? Here are the potential benefits and drawbacks of doing so. “The five-day week is a nineteenth-century construct that is not fit for purpose in the twenty-first century. ” – Andrew Barnes, author of “The 4-Day Week: How the Flexible Work Revolution CanIncrease Productivity, Profitability and Well-Being, and Create a Sustainable Future. ”A strong economy and a successful business rely on optimizing productivity and generating profit. Recent years have shown a shift in our culture where we are now more fully recognizing that all of this must not come at the expense of work-life balance.  While certainly not new to the Canadian business landscape (Vancouver’sDavid Suzuki Foundationhas had a four-day work week since 1990), a compressed work week has recently gained significant traction. https://www. zensurance. com/wp-content/uploads/2023/06/June-14_Four-Day-Week_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesIn Canada, while no law requires employers to offer a compressed work week, the evidence from several studies suggests that it can benefit both employees and employers has prompted many companies to adopt this type of work schedule. People are looking for more value in the benefit they receive from their employers. Ping-pong tables may seem fun, but not necessarily at the expense of free time. Let’s explore how a compressed work week can function for small businesses in Canada and the issues and implications for business owners considering this change. How Do Four-Day Work Weeks Work? There are various ways to implement this type of work arrangement in Canada. Think of them as shortened work weeks.  For some businesses, a four-day work week is in play. It... --- ### Why Do Lifeguards Need Insurance? > Like any other professionals, lifeguards face certain liability risks ensuring water safety. Get a quick rundown of the insurance you need to protect your finances and reputation. - Published: 2023-06-14 - Modified: 2023-06-30 - URL: https://www.zensurance.com/blog/why-do-lifeguards-need-insurance - Categories: Insurance - Tags: general liability, swimming Like any other professionals, lifeguards face certain liability risks ensuring water safety. Get a quick rundown of the insurance you need to protect your finances and reputation. Lifeguards play a vital role in ensuring the safety of individuals in aquatic environments such as swimming pools, beaches, water parks, and lakes. These expert swimmers’ primary responsibility is to prevent and respond to water-related emergencies in public swimming areas. By maintaining constant vigilance over the bodies of water and surrounding areas they are responsible for, they identify potential hazards, observe swimmers' behaviour, and look out for signs of distress or danger. Like any other professionals, lifeguards face certain liability risks ensuring water safety. While they’re trained to prevent accidents and respond to emergencies, unexpected situations can arise. For example, they can be liable if:https://www. zensurance. com/wp-content/uploads/2023/06/June-16_Lifegaurd-Insurance_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories They fail to recognize signs of distress or danger in the water or delay taking appropriate action that results in injuries or fatalities. They neglect their duty by not adequately monitoring the area they're responsible for or failing to enforce safety rules, and an incident occurs. They make an inadequate or negligent rescue attempt that harms or injures a swimmer. That’s why all lifeguards should have alifeguard and swim instructor insurancepolicy. What Does Lifeguard Liability Insurance Include? At a minimum, all full- and part-time lifeguards should have professional liability insurance and general liability insurance. Professional liability insurance, commonly called errors and omissions (E&O) insurance, covers you for claims of professional negligence, mistakes, and failing to provide proper instruction. For instance, it covers costs arising from allegations of inadequate supervision, incorrect rescue techniques, or failure to... --- ### What Is Business Interruption Insurance? > Get a quick overview of how business interruption insurance can be the lifeline you need if you’re forced to temporarily close following a fire, water damage, theft, vandalism, or a natural disaster that hits your commercial property. - Published: 2023-06-12 - Modified: 2023-09-18 - URL: https://www.zensurance.com/blog/what-is-business-interruption-insurance - Categories: Insurance - Tags: business interruption, business interruption insurance, fire, flood Get a quick overview of how business interruption insurance can be the lifeline you need if you’re forced to temporarily close following a fire, water damage, theft, vandalism, or a natural disaster that hits your commercial property. When things go awry, and your small business’s ability to generate sales is threatened by an unexpected event, can you weather the storm? For example, wildfires have raged across parts of Western Canada and Atlantic Canada in recent weeks, prompting residents and small business owners in affected communities to make hasty evacuations. For business owners, that may mean temporarily ceasing operations and hoping when they return, their properties aren't severely damaged (commercial property insurancecan help cover losses if a company's property and inventory are damaged by fire). That brings the need foremergency preparednessto the fore. Interestingly, a2021 surveyof Canadian businesses on emergency preparedness found four out of five companies have had their operations interrupted over the previous five years. Among the causes, those businesses shut down at one time or another:https://www. zensurance. com/wp-content/uploads/2022/01/June-12_Business-Interruption_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories 45% closed temporarily because of communication outages 43% due to winter storms 23% because of a flood 12% due to fires (8% wildfires and 4% structural fires) Only 37% of businesses surveyed say they're fully prepared to deal with an emergency or disaster. One critical preparation component to ensuring business continuity in such a circumstance is havingbusiness interruption insuranceas part of your overall policy. What Is Business Interruption Insurance and What Does It Provide? Business interruption insurance can be the lifeline to cover losses resulting from an insurable event, such as a fire, water damage, theft, vandalism, or a natural disaster.  If yousubmit a claimfor business interruption and your... --- ### What Is a Commercial Umbrella Insurance Policy? > Commercial umbrella insurance is an additional safety net for your business. Get the lowdown on how it can protect you and what types of companies and professionals should have it. - Published: 2023-06-09 - Modified: 2023-07-04 - URL: https://www.zensurance.com/blog/what-is-a-commercial-umbrella-insurance-policy - Categories: Insurance - Tags: additional insured, business property, commercial auto, commercial property, commercial umbrella insurance, construction insurance, e&o, insurance broker, vacant property Commercial umbrella insurance is an additional safety net for your business. Get the lowdown on how it can protect you and what types of companies and professionals should have it. Sometimes, we all need an extra layer of protection to be secure or comfortable. Running a business involves risks; occasionally, standard insurance policies may not provide adequate coverage. That's when commercial umbrella insurance can help. The name may be confusing, but commercial umbrella insurance is a comprehensive policy that protects your existingliability coverage limits. It acts as an additional layer of security when liability claims go beyond your standard policy limits. Think of commercial umbrella insurance as an additional safety net for your business. It provides coverage above and beyond the limits in your primary insurance policies, such as general liability, commercial auto, andemployers' liability. https://www. zensurance. com/wp-content/uploads/2022/07/June-9_Commercial-Umbrella_Blog-Image. pngCommercial umbrella insurance is a comprehensive policy that extends protection to your existing liability coverage limits. It acts as an extra layer of security when liability claims go beyond your standard policy limits. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related PostsIn other words, when the claims against your business exceed the limits of your primary insurance, a commercial umbrella policy steps in to cover the excess amount, helping safeguard your assets, reputation, and financial stability. How Does Commercial Umbrella Insurance Work? Suppose one of your employees is involved in a car accident with a company vehicle while making a delivery and is found to be at fault for the collision. Unfortunately, the cost of the other driver’s medical expenses and damages to their vehicle exceeds your existingcommercial auto policy’scoverage limit.  Once your primary policy limit is exhausted, and if you have commercial umbrella insurance... --- ### 10 Must-Have Apps for Canadian Small Business Owners > Running a small business is tough, but the right tools can make all the difference. See our list of apps designed to streamline operations, boost efficiency, and help you thrive in today's competitive market. - Published: 2023-06-07 - Modified: 2023-07-04 - URL: https://www.zensurance.com/blog/10-must-have-apps-for-canadian-small-business-owners - Categories: Small Business Tips - Tags: small business owner, technology Running a small business is tough, but the right tools can make all the difference. See our list of apps designed to streamline operations, boost efficiency, and help you thrive in today's competitive market. Every small business owner is like a jack- or jill-of-all-trades because you’re not only the boss but also a receptionist, an accountant, a marketer, and the HR department.  That makes running a small business tough, but the right tools can make all the difference. From managing projects and customers to handling finances and ensuring productivity, business owners can do it all with our list of the 10 best apps for Canadian small business owners.  These apps are designed to streamline operations, boost efficiency, and help you thrive in today's competitive market. Each one serves a unique purpose, so evaluate your business requirements and choose the ones that align best with your needs:https://www. zensurance. com/wp-content/uploads/2023/06/June-7_Business-Apps_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd 1. Productivity: Trello Trellois a versatile project management app that keeps you organized. Create boards, lists, and cards to track tasks, deadlines and collaborate with your team. Stay on top of projects and watch productivity soar. 2. Security: LastPassKeeping your business data secure is crucial. LastPassis a password manager app that generates and stores unique,strong passwordsfor your accounts. With robust encryption and multi-factor authentication, your sensitive information remains safe. 3. Project Management: Asana Asanasimplifies project management by providing a centralized platform for task management, team collaboration, and progress tracking. Assign tasks, set deadlines, and communicate seamlessly with your team members. 4. Customer Relationship Management: HubSpot CRM HubSpot CRMis a powerful app that helps you manage and nurture customer relationships. Track leads, store customer information, and streamline communication for a... --- ### How Can Small Businesses Use AI Tools? > Whether using artificial intelligence (AI) technologies pose risks or opportunities for your small business comes down to your strategy and goals. Get an overview of the pros and cons of using AI tools and how to evaluate them. - Published: 2023-06-05 - Modified: 2023-06-05 - URL: https://www.zensurance.com/blog/how-can-small-businesses-use-ai-tools - Categories: Small Business Tips - Tags: AI, small business owner Whether using artificial intelligence (AI) technologies pose risks or opportunities for your small business comes down to your strategy and goals. Get an overview of the pros and cons of using AI tools and how to evaluate them. No matter where you look online, there’s no escaping news of the dawn of artificial intelligence (AI) technologies that may upend how people and small businesses create, consume, and use content, data, software code, and other digital assets. As intriguing as this nascent technology is, there are inherent risks for small business owners and self-employed professionals to be wary of if they use AI.  Canadian AI expertsand chief executives are encouraging the federal government to pass Bill C-27, the Artificial Intelligence and Data Act (AIDA), as soon as possible to regulate the use of AI systems. However, Ottawa says AIDA won’t come into force until 2025. That may leave business owners and professionals in a quandary. Should you or shouldn't you deploy AI tools at your business? https://www. zensurance. com/wp-content/uploads/2023/06/June-5_Ai-Tools_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJdAccording to research consultancy KPMG, more than one-third (37%) of Canadian companies are looking at ways the popular generative AI platform ChatGPT can improve their operations. Currently, about 35% of Canadian businesses say they’re using AI in their operations, with four in 10 saying they use it in their call centres. There are both risks and opportunities for small businesses to embrace the use of AI. Here's an overview of AI tools, how they can be used, and what the pros and cons are:What Are AI Tools? AI tools are software applications or systems that utilize artificial intelligence techniques to perform specific tasks or enhance human capabilities.  These tools are designed to mimic or... --- ### What Insurance Do Exterior Painters Need? > Exterior painters face various liability risks that can lead to financial losses, legal claims, and potential damage to their reputation. Get an overview of how insurance can help shield you from expensive losses. - Published: 2023-06-02 - Modified: 2023-09-01 - URL: https://www.zensurance.com/blog/what-insurance-do-exterior-painters-need - Categories: Insurance - Tags: contractor, professional liability Exterior painters face various liability risks that can lead to financial losses, legal claims, and potential damage to their reputation. Get an overview of how insurance can help shield you from expensive losses. Professional painters make our work and living spaces look beautiful.  These skilled individuals specialize in applying paint, coatings, and finishes to various surfaces. They transform the appearance of spaces by enhancing or changing the colour and texture of walls, ceilings, and other surfaces, focusing on improving the appearance, protecting and preserving exterior surfaces from weather, deterioration, and other environmental factors. But as with any profession or business, there are liability risks. An exterior painting insurance policy can offset the cost of those risks if you need tofile a claim. https://www. zensurance. com/wp-content/uploads/2023/06/June-2_Exterior-Painter_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd What Liability Risks Do Exterior Painters Face? Exterior painters face various liability risks in the course of their work. These risks can lead to financial losses, legal claims, and potential damage to your reputation. Some common liability risks an exterior painter may encounter includes: Property damage:One of the primary risks exterior painters face is causing damage to a customer's property or adjacent properties. Accidental paint spills and overspraying damages surfaces, windows, landscaping, or fixtures. Bodily injury:Exterior painters may be exposed to the risk of bodily injury to themselves, their employees, or others on a job site. For example, falls from ladders, slips, trips, or being struck by equipment or falling objects, are all real hazards. If someone is injured due to the painter's negligence or unsafe work conditions, a third-party bodily injury claim may be filed against them. Negligence or poor work:If a client alleges an exterior painter performed the work... --- ### Do Dental Hygienists Need Malpractice Insurance? > Many dental hygienists have some liability protection through their employers, but it may not offer them complete protection from liability claims and lawsuits. Get a quick overview of what you need to know to protect your career and finances. - Published: 2023-05-31 - Modified: 2023-05-31 - URL: https://www.zensurance.com/blog/do-dental-hygienists-need-malpractice-insurance - Categories: Insurance - Tags: medical malpractice, professional liability Many dental hygienists have some liability protection through their employers, but it may not offer them complete protection from liability claims and lawsuits. Get a quick overview of what you need to know to protect your career and finances. According to the Canadian Dental Hygienists Association, there are more than 31,000 dental hygienists in Canada, representing the sixth largest health profession in the country. And there is always demand for their expertise and services. As our population continues to grow, so does the need for dental care. Good oral health reduces the risk of many diseases, including endocarditis (inflammation of the inside lining of heart chambers and valves), stroke, and heart disease. These oral health professionals work as part of a dental team, providing preventive dental care and promoting good oral hygiene practices to their patients. From performing dental cleanings, oral health assessments, and taking X-rays to applying preventative treatments and providing periodontal care, their primary focus is helping their patients maintain optimal oral health and prevent dental problems. https://www. zensurance. com/wp-content/uploads/2023/05/May-31-Dental-Hygienist_Blog-Image-1. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJdThere’s always a risk of making a mistake or injuring a dental patient. Although many dental hygienists have some liability protection through their employers, it may not offer complete protection from liability claims and lawsuits. It’s highly recommended that dental hygienists protect their careers and finances with amedical malpractice insurancepolicy. What Liability Risks Do Dental Hygienists Face? Also known as professional liability insurance, medical malpractice insurance for dental hygienists shields these professionals from the liability risks and claims they face.  While the specific insurance requirements may vary depending on your jurisdiction and employer, here are a few common risks dental hygienists may face: Treatment Errors: Dental hygienists perform various procedures and... --- ### What Insurance Do Ice Cream Shops Need? > Ice cream shop owners are gearing up for a busy summer as demand for sweet and ice-cold treats grows in Canada. Ensure your season is successful by understanding how insurance can shield you from potential liabilities. - Published: 2023-05-29 - Modified: 2023-05-29 - URL: https://www.zensurance.com/blog/what-insurance-do-ice-cream-shops-need - Categories: Insurance - Tags: commercial property insurance, hospitality, retail Ice cream shop owners are gearing up for a busy summer as demand for sweet and ice-cold treats grows in Canada. Ensure your season is successful by understanding how insurance can shield you from potential liabilities. Great debate may occur over what is better, a cone or a cup. Some prefer it in a sundae, others love it as a sandwich, while traditionalists are all about the scoops. But what is never disputed is that Canadians love ice cream. We rank sixth in the world for ice cream consumption, with each person averaging 85 scoops per year; despite our notoriously cold winters, our demand for the cooling treat shoots up in the warmer months! The sweet news is that the Canadian ice cream market is growing. The industry has been in flux for the past two decades due to the rise in health consciousness. However, in 2022, the market measured almost $1 billion in revenue and is expected to grow at a compound annual growth rate (CAGR) of 2. 3% from 2021 to 2026, according to IBIS World. https://www. zensurance. com/wp-content/uploads/2023/05/May-29-Ice-Cream-Shop_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJdThe growth will be where Canadians have shown a growing interest — speciality ice creams, artisan crafted, with international flavours and innovative toppings. Also, dietary restrictions or specific lifestyle choices mean consumers seek options made with natural flavours, plant-based ingredients, and less sugar. Regardless of the type of ice cream shop you own, a customizedbusiness insurancepolicy is vital to your success. What Risks Do Ice Cream Shop Owners Face? An ice cream shop is rife with slippery floors and equipment malfunction. Top that with staff rushing to serve a line around the corner on a hot sunny day, and... --- ### Landlord Insurance vs Home Insurance: What’s the Difference? > If you’re renting a property, you’re exposed to financial risks that your homeowner insurance policy isn’t designed to cover. Here’s what you should know. - Published: 2023-05-26 - Modified: 2023-10-13 - URL: https://www.zensurance.com/blog/landlord-insurance-vs-home-insurance-whats-the-difference - Categories: Insurance - Tags: commercial property insurance, landlord insurance, landlord lp If you’re renting a property, you’re exposed to financial risks such as expensive property damage and third-party injury and property damage claims. Your homeowner insurance policy isn’t designed to cover rental properties. Here’s what you should know. Being a landlord has its perks. Renting a property can provide a stable source of passive income, help create long-term wealth, and you can tap into many tax benefits. But it also comes with responsibilities and risks. Being a landlord can be time-consuming. More importantly, it opens you up to third-party liabilities that can quickly drain your financial resources without landlord insurance. Do Landlords Need Insurance? If you’re renting or leasing a property, it’s highly recommended you protect yourself and your property from damage and loss caused by fire, water damage, extreme weather, theft, vandalism, and liabilities such as third-party bodily injury or property damage claims. For example, if a tenant slips or trips on the walkway leading to the building’s entrance and is injured, they could sue you for damages. https://www. zensurance. com/wp-content/uploads/2023/05/May-26-Landlord_Blog-Image. png https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJdWithout landlord insurance, you’re exposed to financial risks such as expensive property damage, lawsuits, or lost rental income. Additionally, some mortgage lenders may require landlords to have insurance as a loan condition. What’s the Difference Between Landlord Insurance and Home Insurance? Landlord insuranceand homeowner insurance are both types of property insurance, but they differ in the types of coverage they provide and the risks they address. In general, homeowner insurance only covers you if you reside at the property. Here are other key differences: Coverage:Homeowner insurance typically covers the home's structure, personal property, liability, and additional living expenses of the owner and their family if the house is damaged... --- ### How AI Could Impact Liability for Medical Practitioners > Medical professionals need to back up their decisions and take action to the best of their knowledge and abilities to avoid liability claims. Here are three ways artificial intelligence (AI) can help reduce the risks healthcare providers face. - Published: 2023-05-24 - Modified: 2023-05-24 - URL: https://www.zensurance.com/blog/how-ai-could-impact-liability-for-medical-practitioners - Categories: Small Business Tips Medical professionals need to back up their decisions and take action to the best of their knowledge and abilities to avoid liability claims. Here are three ways artificial intelligence (AI) can help reduce the risks healthcare providers face. Artificial intelligence (AI) has been trending recently for its abilities across many industries though AI is unlikely to replace human professionals any time soon. While AI is well-suited to tracking and managing large amounts of data, its ability to make executive decisions or do creative problem-solving has yet to reach the level of its human counterparts.  However, in fields like healthcare, artificial intelligence can still play a transformational role in the manual and administrative tasks people find burdensome and time-consuming in their professional work. That means that AI is the perfect partner for healthcare professionals and those in their care in the long term. Medical liability refers to the potential for harm caused to a patient by their healthcare provider. If there is a causal connection between the actions of a healthcare provider and the damage inflicted on their patient, providers can face penalties doled out by the relevant governing body under the law. These penalties can be financial or criminal or involve a suspension or cessation of professional practice forthe medical provider or employee involved. https://www. zensurance. com/wp-content/uploads/2023/05/May-24-Medical-AI_Blog-Post. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJdHow can healthcare providers avoidmedical malpracticesuits and other forms of liability? Legal experts put documentation and recordkeeping at the top of the list. Fortunately, this is one area where AI tools perform exceptionally well. Liability for Medical Professionals: 3 Ways AI Decreases RiskMedical professionals need to back up their decisions and take action to the best of their knowledge and abilities to avoid liability claims.... --- ### Why Do Insurance Companies Check Your Business’s Credit Score? > Learn why insurance providers assess your business's credit score. Explore the impact of credit on insurance policies and pricing. - Published: 2023-05-19 - Modified: 2023-05-26 - URL: https://www.zensurance.com/blog/why-do-insurance-companies-check-your-businesss-credit-score - Categories: Insurance A business’s credit score is a numerical rating that represents the creditworthiness of a business. You can allow or refuse an insurance provider to check your score. Get a quick overview of why you might be asked to permit a credit check, what it involves, and the possible outcomes. When applying for a business insurance policy, you might be asked by an insurance provider for permission to check your business’s credit score.  You're not obliged to do so and wouldn't be penalized for refusing the request. However, voluntarily allowing an insurance company to check your score could result in a lower annual premium, especially if your business's credit score is high. Let’s go through what’s involved with allowing an insurance provider to check your business’s credit score and why you may be asked to do so. https://www. zensurance. com/wp-content/uploads/2023/05/May-19-Credit-Score_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd What Is a Credit Score? A business’s credit score is a numerical rating that represents the creditworthiness of a business. In general, a score ranges between 300 and 900. The higher the score, the better. A good credit score falls between 660 and 725, and a score above 760 is considered excellent.  A high business credit score indicates that the business is considered financially stable, reliable, and less risky. A low business credit score suggests your company may have a higher risk of defaulting on its financial obligations. It is similar to a personal credit score, but it is specifically designed to evaluate the creditworthiness of a business rather than an individual. Business credit scores are typically calculated based on the business's credit history, payment history, debt-to-income ratio, and other financial factors. Beyond insurance providers, credit scores are used by financial lenders, suppliers, and other businesses to evaluate the risk of extending credit... --- ### What Insurance Do Tarot Card Readers Need? > Tarot card readers need insurance to cover risks like any other business or vocation. Here’s what you need to know. - Published: 2023-05-17 - Modified: 2023-05-17 - URL: https://www.zensurance.com/blog/what-insurance-do-tarot-card-readers-need - Categories: Insurance - Tags: business insurance, commercial general liability, commercial property insurance Tarot card readers need insurance to cover risks like any other business or vocation. Here’s what you need to know. Tarot card readers attract open-minded individuals who place their trust in you to help them interpret the cards as they reflect on their thoughts and feelings to gain the insight they seek.  While the origin of the tarot is unknown, many theories exist about its history. Some believe that tarot originated in ancient Egypt; others place it in Italy during the Renaissance. Nevertheless, today, the tarot reading we are familiar with has been practiced for centuries by people of all social classes. It was seen as a way to gain insight into the past, present, and future. After a decline in popularity in the 20th century, tarot reading has experienced a resurgence in recent years. Today, tarot is used by people worldwide. Using a deck of 78 cards that represent different aspects of life, such as people, places, events, and emotions, they are a tool that can give your clients perspective and help them make informed decisions about their lives. https://www. zensurance. com/wp-content/uploads/2023/05/May-12-Tarot-Card_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesIf tarot cards speak to you, and you thrive on helping others on paths to self-discovery and personal growth, you need to build trust with your clients. One way to instill confidence in and build relationships with your clients is to havebusiness insurance. What Is Tarot Card Reader Insurance? As with any other business or profession, tarot card readers need adequate insurance coverage to protect against various risks and liabilities, specifically designed to meet the unique needs of these businesses.... --- ### Will Home Insurance Cover Your Airbnb or VRBO Rental? > Insurance companies generally consider home sharing, such as renting your home on Airbnb or VRBO, a commercial activity or a business. Here's how you can protect your property and vacation rental business. - Published: 2023-05-15 - Modified: 2023-08-24 - URL: https://www.zensurance.com/blog/will-home-insurance-cover-your-airbnb-or-vrbo-rental - Categories: Insurance - Tags: business insurance, commercial general liability, commercial property insurance, landlord insurance Insurance companies generally consider home sharing, such as renting your home on Airbnb or VRBO, a commercial activity or a business. Here's how you can protect your property and vacation rental business. Summer isn’t too far off, meaning thousands of Canadians will visit various destinations nationwide. Naturally, all those travellers will need somewhere to stay while on the road. Therein lies an opportunity for homeowners who sign up as Airbnb and VRBO hosts. It's easy to see why the short-term vacation rental business has blossomed in Canada. For about the same price as a hotel room, customers of Airbnb and VRBO can rent an entire home or condominium, many of which are in unique locations. But a lot of work is involved withsuccessfully managing a VRBO or Airbnb rental property. According to Statista, revenue in the Canadian vacation rentals segment is projected to reach $2. 57 billion in 2023, and is expected to rise to $2. 63 billion by 2027. Additionally, a host's average revenue per guest is estimated to be about $360. 26. https://www. zensurance. com/wp-content/uploads/2023/05/May-17-Airbnb_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesHowever, a soft underbelly exists for Airbnb and VRBO hosts: how do they deal with the cost of unexpected damages, losses, accidents, and potential third-party lawsuits? You might think a private homeowner insurance policy is sufficient to safeguard a host from such risks. But that's not necessarily so. Why a Homeowner Insurance Policy May Not Protect Airbnb and VRBO HostsInsurance companies generally consider home sharing, such as renting your home on Airbnb or VRBO, a commercial activity or a business. Home insurance policies are typically designed to cover a homeowner's primary residence and do not usually cover commercial... --- ### What Is Tail Coverage Insurance for Small Businesses? > Tail coverage is an extension of your insurance covering claims made against you but was only reported after your insurance expired or was cancelled. Get a quick overview of how tail coverage works and whether you need it. - Published: 2023-05-10 - Modified: 2023-09-01 - URL: https://www.zensurance.com/blog/what-is-tail-coverage-insurance-for-small-businesses - Categories: Insurance - Tags: business insurance, commercial general liability, golf sim, runoff coverage, tail coverage Tail coverage is an extension of your insurance covering claims made against you but was only reported after your insurance expired or was cancelled. Get a quick overview of how tail coverage works and whether you need it. You’ve enjoyed a long and illustrious career, and now it’s time to move on to the next chapter in your post-business life.  Whether you’re a small business owner or a self-employed professional heading to a golf course or a sunny destination, assuming you cancancel your insuranceafter shutting down your business is reasonable. For the most part, that’s likely true. However, it's wise for some professionals and business owners to get tail coverage insurance. What Is Tail Coverage? Also known as run-off coverage or extended reporting period coverage, tail coverage is an extension of your insurance you can add as an endorsement or rider to cover claims made against you that were only reported after your policy expired or was cancelled. https://www. zensurance. com/wp-content/uploads/2023/05/May-10-Tail-Coverage_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesIt is typically used inprofessional liability insurancepolicies, such aserrors and omissions (E&O) insuranceordirectors and officers (D&O) insurance. These policies usually operate on a claims-made basis, meaning they only cover claims that are made during the policy period or an extended reporting period. Without tail coverage, a claim made after the policy has expired would not be covered, which exposes you to significant risk. Tail coverage is typically purchased when you retire, sell your small business, or terminate your policy. You need to ensure you're covered for any claims arising after the policy ends.  Tail coverage is typically only available for a limited period after the policy has expired, and the cost of tail coverage is often equivalent to a percentage... --- ### Can You Get Business Insurance If Cancelled Previously for Non-Payment? > If your business insurance policy was previously cancelled for non-payment, obtaining a new policy from the same insurer can be challenging. However, it is still possible to get business insurance from another insurance provider. Here’s what to do. - Published: 2023-05-08 - Modified: 2023-05-08 - URL: https://www.zensurance.com/blog/can-you-get-business-insurance-if-cancelled-previously-for-non-payment - Categories: Insurance - Tags: business insurance, commercial general liability, non payment If your business insurance policy was previously cancelled for non-payment, obtaining a new policy from the same insurer can be challenging. However, it is still possible to get business insurance from another insurance provider. Here’s what to do. If your insurance provider cancels your business insurance policy, it can be frustrating, and the ramifications of losing your coverage can be detrimental to your company's welfare. An insurance company can cancel your policy for various reasons, including: Non-payment of premium: If you fail to pay the premium on time as agreed, annually or monthly. Misrepresentation or fraud: If you provide false or misleading information when applying for insurance, that’s grounds for cancellation. High-risk activities: If your business engages in high-risk activities not covered by the policy or that increase the likelihood of a claim, your insurance provider may take exception to it and cancel the policy. https://www. zensurance. com/wp-content/uploads/2023/05/May-8-Non-Payment_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories Changes in your risk profile:Insurance policies are priced by insurance providers based on your small business's risk. Thus, if the risk profile of your business changes because you add new services or products or relocate to a high-risk area without notifying your broker or insurer, that may lead to the insurer cancelling or modifying the policy. Loss history: If a business has a history of significant insurance claims, the policy can be cancelled, or your premium can be increased. Regulatory violations: If your business violates regulatory requirements or laws related to your industry or operations. It's important to note that insurance companies are required by law to provide you with proper notice if they intend to cancel your policy. Typically, you may get a 30-daygrace periodwith that notice to settle up and... --- ### Does a Small Business Need Media Liability Insurance? > Media liability coverage can help small businesses by protecting against lawsuits or claims arising from media-related activities. Here’s what you need to know. - Published: 2023-05-05 - Modified: 2023-05-05 - URL: https://www.zensurance.com/blog/does-a-small-business-need-media-liability-insurance - Categories: Insurance - Tags: commercial general liability, media liability Media liability coverage can help small businesses by protecting against lawsuits or claims arising from media-related activities. Here’s what you need to know. The power of the internet has effectively made every small business a digital media company.  Think of it: you can publish blogs to your website, issuesocial mediaposts and speak directly to your customers, produce videos, create digital advertisements, and leverageemail marketingto grow your business. But the power to promote and market your business comes with a caveat: you could make mistakes, and those mistakes can lead to expensive consequences. That’s why it’s worthwhile to consider media liability insurance for your small business. https://www. zensurance. com/wp-content/uploads/2023/05/May-5-Media-Liability_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories How Does Media Liability Insurance Coverage Help Small Businesses? Media liability insurancecoverage can help small businesses by protecting against lawsuits or claims arising from media-related activities. It covers companies for claims of defamation, invasion of privacy, infringement of intellectual property rights, and other similar allegations arising from advertising, publishing, broadcasting, or website content. For small businesses, media liability insurance can be beneficial because they may not have the resources to defend themselves against a lawsuit or claim. The cost of defending a lawsuit or claim can be high and may even bankrupt a small business. A media liability policy can help cover the costs of legal defence, settlement, or damages awarded in the event of a covered claim. Professional Liability Insurance vs Media Liability Insurance: What’s the Difference? Media liability insurance is a type of professional liability or errors and omissions (E&O) insurance.  Whereasprofessional liability insuranceor E&O insurance covers a self-employed professional’s or business’s services and advice,... --- ### How to Protect Your Business From Wildfires > As climate change continues to fuel extreme weather events, it's more critical than ever for Canadian entrepreneurs and small business owners to protect their properties. Wildfires are among the growing threats business owners face. See our wildfire preparedness tips. - Published: 2023-05-03 - Modified: 2023-05-03 - URL: https://www.zensurance.com/blog/how-to-protect-your-business-from-wildfires - Categories: Small Business Tips - Tags: emergency preparedness, fire, fire insurance As climate change continues to fuel extreme weather events, it's more critical than ever for Canadian entrepreneurs and small business owners to protect their properties. Wildfires are among the growing threats business owners face. See our wildfire preparedness tips. Wildfires in Canada are a growing concern, and their impact on businesses of all sizes can be devastating.  As climate change continues to fuel extreme weather events, it's more critical than ever for Canadianentrepreneurs and small business owners to protect their properties.  The Rising Threat of Wildfires in CanadaOver the past few years, there’s been a surge in wildfire activity. According to National Resources Canada’s National Wildfire Situation Report, 5,449 fires were recorded in 2022, burning 1,610,216 hectares or 16,102 square kilometres of land. https://www. zensurance. com/wp-content/uploads/2023/05/May-3-Wildfires_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesNatural Resources Canada also says the annual average area burned by wildfires has more than doubled since the early 1970s. In 2021 alone, British Columbia experienced over 1,300 wildfires, with more than 8,700 squarekilometresof land scorched. The financial repercussions are staggering, with damages and firefightingcosts reaching billions. But wildfires don't discriminate; they canravage rural and urban areas. As we saw in 2016 with the Fort McMurray wildfire, entire communities can be engulfed in flames, displacing thousands and causing billions in damages. No business is immune, so it's essential to take action to protect your livelihood. Wildfire Preparedness: Practical Tips for Business OwnersHere are five ways you can prepare your business property and try to prevent wildfire-related damage to it:1. Assess Your VulnerabilitiesStart by identifying the risks specific to your location and industry. Are you situated in a region prone to wildfires? Is your business in a densely wooded area? Understanding your vulnerabilities will help you develop... --- ### What Insurance Do Auto Mechanics and Auto Repair Shops Need? > Auto maintenance and repair professionals and shop owners face many risks when servicing their customers’ vehicles. Get a quick overview of how business insurance can help significantly reduce the cost of damage and loss to your auto shop. - Published: 2023-04-28 - Modified: 2023-04-28 - URL: https://www.zensurance.com/blog/what-insurance-do-auto-mechanics-and-auto-repair-shops-need - Categories: Insurance - Tags: auto mechanic, auto repair, auto technician, general liability Auto maintenance and repair professionals and shop owners face many risks when servicing their customers’ vehicles. Get a quick overview of how business insurance can help significantly reduce the cost of damage and loss to your auto shop. Auto service technicians, mechanics, and auto repair shop owners help us keep our wheels on the road.  From running diagnostic tests to repairing and installing the various components in our vehicles, a meticulous, trustworthy auto mechanic can ease stress and limit maintenance costs when something goes wrong or prevent a minor issue with your car, pickup, van, or SUV from becoming a significant one.  But auto maintenance and repair professionals face many risks when servicing their customers’ vehicles. A comprehensive auto repair shop insurance policy is essential for protecting your reputation, finances, and business. https://www. zensurance. com/wp-content/uploads/2023/04/April-28-Mechanic_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What Risks Do Auto Repair and Body Shops Face? Auto repair shop owners and their employees face a wide range of liabilities that can trigger injuries and damages, including risks to their equipment and shops. Among the most common hazards they face are:FireFire poses one of the greatest risks to any auto repair shop. The threat of fire is ever-present with all the equipment usually found in any collision repair or auto repair garage – welding tools, industrial machinery, steel-cutting tools – and flammable liquids and chemicals in the shop and vehicles. Third-party injuries and property damageOne of your customers may be injured on your property, or their vehicle may be damaged while in your care, custody, and control. Furthermore, if an auto service technician makes a mistake and doesn’t correctly repair a customer’s car, causing them to get into a collision, you could be... --- ### A Guide to Yoga Instructor Insurance > Read our in-depth guide on what a comprehensive yoga instructor insurance policy provides, why instructors need it, and what to look for in a policy to protect your finances, reputation, and livelihood. - Published: 2023-04-26 - Modified: 2023-04-26 - URL: https://www.zensurance.com/blog/a-guide-to-yoga-instructor-insurance - Categories: Insurance - Tags: general liability, health and wellness, yoga Read our in-depth guide on what a comprehensive yoga instructor insurance policy provides, why instructors need it, and what to look for in a policy to protect your finances, reputation, and livelihood. As Canadians move towards rediscovering wellness in new and old forms, it’s not a stretch for yoga instructors to be in demand.  According to the Canadian Yoga Alliance, over 2,000 professional yoga instructors are located nationwide. Moreover, according to data from Leger, a market research and analytics company, one in five (21%) Canadians practice yoga.  Teaching yoga classes can be a satisfying and profitable business for knowledgeable, certified instructors. But staying Zen and avoiding legal entanglements or expensive accidents means yoga instructor insurance is necessary. It protects yoga instructors from potential lawsuits and other financial losses that may arise from their teaching activities. https://www. zensurance. com/wp-content/uploads/2023/04/April-26-Yoga_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesThink of it as a safety net for your yoga business that can save you from financial ruin in an unforeseen event. So, before you slip into the Savasana pose, consider how to protect your livelihood. Do Canadian Yoga Instructors Need Insurance? In Canada,there’s no law mandating yoga instructors have insurance. But mishaps happen to even the most seasoned and cautious instructors. Unfortunate incidents can still occur even if you’re as careful as a cat (pose). Yoga insurance covers a range of claims that can be costly, including injuries to clients, property damage, and allegations of defamation. Where Can I Teach Yoga in Canada? Yoga teachers have the option to conduct classes in many different locations, including: Outdoors:Outdoor settings like public parks and beaches or private properties with a backyard or rooftop patio are popular in the... --- ### It’s Almost Patio Season: Will Your Restaurant Insurance Cover You? > Restaurant owners can be optimistic that the warmer weather will entice Canadians to get out and about for a bite to eat this summer. However, for establishments with patios, risks are involved in liability and property damage. Here's what you need to know. - Published: 2023-04-24 - Modified: 2023-08-17 - URL: https://www.zensurance.com/blog/its-almost-patio-season-will-your-restaurant-insurance-cover-you - Categories: Insurance - Tags: general liability, restaurant insurance Restaurant owners can be optimistic that the warmer weather will entice Canadians to get out and about for a bite to eat this summer. However, for establishments with patios, risks are involved in liability and property damage. Here's what you need to know. As the summer approaches, restaurant owners across Canada are gearing up for a busy patio season. With the warmer weather, Canadians typically flock to patios to enjoy a drink or a meal outdoors.  And the coming season may give restaurants, bars, pubs, and other eateries a much-needed jolt. Data from Restaurants Canada says the food service industry should see a return to pre-pandemic levels in 2023, with annual sales forecast to hit $83. 3 billion this year.  That would be marvellous should it come to pass. Restaurants were arguably the hardest hit by the pandemic. But with labour shortages continuing – there was athree-fold increase in job vacanciesin the industry from pre-pandemic levels as of June 2022 – and inflation ratcheting up the price of food, time will tell how successful the coming season will be. https://www. zensurance. com/wp-content/uploads/2023/04/April-24-Patio_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesNevertheless, restaurant owners can be optimistic that the warmer weather will entice Canadians to get out and about for a bite to eat this summer. One way to woo them to your establishment is by providing an exceptional outdoor or patio dining experience.  However, restaurant owners need to be aware of the risks involved in operating a patio in terms of liability and property damage. That's why a customized restaurant insurance policy can make a significant difference in protecting your business. What’s In a Comprehensive Restaurant Insurance Policy? Whether you'replanning to open a new restaurant, or are a seasoned owner, know that restaurants have... --- ### Does a Handyman Need to Have Insurance? > A handyman is a skilled professional providing various interior and exterior repairs and renovations, typically at residential properties. Learn why you should protect your profession and finances with a customized insurance policy, what it includes, and its cost. - Published: 2023-04-21 - Modified: 2023-09-01 - URL: https://www.zensurance.com/blog/does-a-handyman-need-to-have-insurance - Categories: Insurance - Tags: contractor, general liability, handyman, renovation A handyman is a skilled professional providing various interior and exterior repairs and renovations, typically at residential properties. Learn why you should protect your profession and finances with a customized insurance policy, what it includes, and its cost. There may be concerns of economic woe ahead, but homeowners still need repairs occasionally, meaning handyman services should remain in demand throughout the year. There may be peaks and valleys, of course. But a 2022 HomeStars survey found Canadian homeowners spent an average of $13,000 on indoor renovations and fixes, up from an average of $8,300 in 2021 despite inflation and rising interest rates.  Although 2023 may be a bumpy ride economically, and no profession or small business is immune toa recession or a challenging economy, handyman services are fairly resilient. https://www. zensurance. com/wp-content/uploads/2023/04/April-21-Handyman_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related PostsSo, whether you call yourself a renovation expert, contractor, odd-jobber, tinkerer, jack of all trades, or handyman, there are opportunities to offer your services. A profession by many names, the term ‘handyman’ or ‘handyperson’ means different things to different people. But it’s generally understood that a handyman is a skilled professional providing a wide variety of interior and exterior repairs and renovations, typically at residential properties. No matter what repair job you’re undertaking, it’s critical to protect your finances and livelihood withhandyman insurance. Why Does a Handyman Need Insurance? In some scenarios, a handyman may be required to have insurance. For example, if serving as a subcontractor who wants to work for a general contractor, you’ll need to show a validcertificate of insurance. Or, if you’re seeking a business loan, any financial institution will ask to see your proof of insurance. Beyond these scenarios, consider the following possibilities that could cost... --- ### What Insurance Do Arborists Need? > Arborists and tree care professionals do important but dangerous work. Don’t go out on a limb and offer your services without insurance. Here’s a quick overview of what you need to protect your business. - Published: 2023-04-17 - Modified: 2023-04-17 - URL: https://www.zensurance.com/blog/what-insurance-do-arborists-need - Categories: Insurance - Tags: arborist, general liability, tree care, tree removal Arborists and tree care professionals do important but dangerous work. Don’t go out on a limb and offer your services without insurance. Here’s a quick overview of what you need to protect your business. If you’re an arborist, tree removal, or tree care business owner, you know your work is essential to maintaining the health and beauty of private properties and green spaces.  However, it’s also dangerous work with inherent risks that may trigger significant financial losses if you’re not adequately insured. But don’t be stumped (pun intended).  Here’s what every arborist or tree care professional needs to know about protecting their finances, assets, and reputations:Understanding Arborist and Tree Removal Insurance Arborist and tree removal insurancepolicies offer several coverages to protect business owners, employees, customers, or passersby from injuries and damages. https://www. zensurance. com/wp-content/uploads/2023/04/April-17-Arborist_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesAmong the most common coverages this type of policy includes when doing tree removal or other care and maintenance of trees are: General liability insuranceprotects businesses from the cost of third-party bodily injury or property damage caused by your operations.   Tools and equipment insurancecovers your transportable tools and heavy equipment if stolen, vandalized, or damaged by fire or water. Commercial property insuranceprotects your business’s office and storage compound and your business contents from damage or loss due to fire, water damage, theft, vandalism, and extreme weather. What Is Not Covered by Arborist Insurance? While Canadian arborist insurance policies provide robust coverage, there may be a fewexclusionsto be aware of, as there are in all insurance policies.  Consider these additional coverages to strengthen your policy: Professional liability insurancecovers the cost of damages or injuries that result from your professional services, such as tree... --- ### What Equipment Does Your Cleaning Business Need? (And How to Protect Them) > Running a successful professional cleaning business demands many things, including the right tools and equipment to meet your customers’ expectations. Here’s an overview of the essential items you need. - Published: 2023-04-14 - Modified: 2023-04-14 - URL: https://www.zensurance.com/blog/what-equipment-does-your-cleaning-business-need-and-how-to-protect-them - Categories: Insurance - Tags: cleaning business insurance, commercial general liability, tools and equipment Running a successful professional cleaning business demands many things, including the right tools and equipment to meet your customers’ expectations. Here’s an overview of the essential items you need. Starting or running a professional cleaning service is an excellent business opportunity that is easy to enter, but like any business, it is competitive and comes with challenges and costs. According to IBIS World data, the Canadian commercial cleaning industry is estimated to be worth around $9 billion annually, comprising more than 34,000 professional cleaning businesses as of 2021.  Those costs include keeping your reputation spotless, protecting your livelihood with a comprehensive insurance policy, and acquiring the tools, equipment, and supplies you need to do a top-notch job efficiently. On that latter point, you'll need some tools and equipment to be productive and impress your customers in residential, commercial, or industrial environments. So let's review some things you need to ensure your small business succeeds. https://www. zensurance. com/wp-content/uploads/2023/04/April-14-Janitor-Supplies_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories List of Essential Cleaning EquipmentWhether you’re thinking ofstarting a cleaning business, your small business is a newly launched venture, or you’ve years of experience in the industry, these are some of the tools and equipment you must have for any cleaning job:For floors: A wet mop, bucket, and wringer Wet floor safety signs Brooms and dustpans Floor tile and grout cleaners Floor scrub brush A high-quality vacuum and carpet cleaner Industrial-strength cleansers For windows and surfaces: Squeegees Water bucket Glass cleaning solution Microfibre cleaning cloths Spray bottles Duster brush Furniture polish and dishwashing liquids Disinfectant wipes For general cleaning: A cleaning cart Stain, mould, and mildew removing cleansers Air fresheners Personal protection gear Plungers,... --- ### Golf Course Insurance: What It Covers and What It’s For(e) > Golf courses face a broad range of risks, ones you cannot play through. Get a customized golf course insurance policy that’s on par with your business’s specific needs. - Published: 2023-04-12 - Modified: 2023-09-01 - URL: https://www.zensurance.com/blog/golf-course-insurance-what-it-covers-and-what-its-fore - Categories: Insurance - Tags: commercial general liability, golf, golf course insurance, golf sim Golf courses face a broad range of risks, ones you cannot play through. Get a customized golf course insurance policy that’s on par with your business’s specific needs. There are more than 2,400 golf courses in Canada, and Statistics Canada estimates the number of Canadian golfers at around 1. 5 million. Additionally, there are more than 11,000 driving ranges nationwide. Golf may be a relaxing game, but the competition to attract golfers to your course is fierce. You take pride in providing top-tier manicured greens and exceptional customer experiences. But there’s always the possibility of unexpected damage and loss from severe weather, fire, or human negligence. Golf course and golf facilities insuranceprovides golfing business owners the coverage they need to protect their finances and assets. https://www. zensurance. com/wp-content/uploads/2023/04/April-12-Golf_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories Who Needs Golf Course Insurance? A golf course liability insurance policy covers a wide range of facilities and operations, including: Public golf courses or private country club courses Driving ranges Executive courses Mini-putt golf courses Par 3 golf courses Golf shops Golf course architects Golfing instructors Golf tournament hosts What Does Golf Course Insurance Include? A golf course insurance policy from Zensurance is customized to suit your business’s specific needs. However, a typical golf course insurance policy includes the following: Commercial general liability (CGL) insurance: CGL insurance covers costs associated with third-party bodily injury or property damage claims if a customer is injured or their property is damaged while at your facility. CGL may also includeproduct liability insuranceto cover damage or loss from any product you manufacture, distribute, or sell. You need product liability coverage if you have a gift shop or... --- ### 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. - Published: 2023-04-05 - Modified: 2023-04-05 - URL: https://www.zensurance.com/blog/federal-budget-2023-5-key-takeaways-for-small-businesses - Categories: Finance - Tags: economy, liability, recession, small business growth 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. The government in Ottawa announced its 2023 federal budget on March 28. Small business owners across the country were looking for support for what it would do to alleviate their challenges, given the ongoing financial impacts of the pandemic coupled with rising interest rates, inflation, and a labour shortage. The challenges small businesses face are many, including: Repaying Canada Emergency Business Account (CEBA) loans of up to $60,000 that were offered at the height of the pandemic. CEBA loans are interest-free or up to one-third is forgivable if repaid by December 31, 2023. However, data from Export Development Canada shows of the $50 billion in CEBA loans distributed to an estimated 900,000 businesses,only $5. 7 billion or 13% of businesseshave repaid their loans as of last November. https://www. zensurance. com/wp-content/uploads/2023/04/April-5-Small-Business_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories Levelling the playing field for credit card transaction fees imposed by financial institutions issuing the cards. Small businesses are estimated to pay as much as 50% more in interchange fees than large businesses. Relief from high small business tax rates, and support for fuel and energy, employee wages, insurance, equipment, and raw materials costs. Stable Employment Insurance (EI) premiums. There was an EI premium increase last January. Small businesses need to be able to focus on rising costs elsewhere. Making it easier and quicker for temporary foreign workers to qualify for permanent residency. Reducing or freezing the federal carbon tax for small businesses. The Canadian Federation of Independent Business estimates that only... --- ### What Type of Insurance Does a Home Daycare Business Need? > Home daycare insurance consists of three important coverages to protect against the common risks of running a daycare. - Published: 2023-04-03 - Modified: 2023-11-15 - URL: https://www.zensurance.com/blog/what-type-of-insurance-does-a-home-daycare-business-need - Categories: Insurance - Tags: daycare, home daycare business insurance According to Statistics Canada, 52% of Canadian children 6 years old or younger were in licensed or unlicensed daycare. With only 20,500 home daycare businesses as of January 2022, the demand is high. But with opportunity comes risk. Here’s what you should know. Many Canadian parents don’t have the advantage of asking a trusted friend or family member to supervise their kids throughout the working week. Turning to a home daycare provider is a solution. In early 2022, 52% of children under six years old were in licensed or unlicensed child care, according to Statistics Canada. Moreover, a recent StatsCan Labour Force Survey finds a decrease in the number of home-based childcare providers from 34,400 in January 2019 to 20,500 in January 2022. That decrease is attributed to the pandemic's effect on home daycare providers. StatsCan's data also shows more unlicensed than licensed centre-based and home-based childcare businesses caring for children aged five and younger. https://www. zensurance. com/wp-content/uploads/2022/08/April-3-Daycare_Blog-Image. pngHome daycares often don't have licenses, but you may need one, depending on where you live. Besides, the federal government’s $10-a-day daycare program may encourage many unlicensed home child daycare businesses to get licensed to participate in the national plan. A criminal background check, CPR certification, and a home safety exam are required to receive a license. Most insurance providers will want to see that your home daycare is licensed to meet these standards. Being licensed can make gettinghome daycare insuranceeasier and cheaper. Which leads one to ask, “what kind of home daycare insurance coverage should you have? ”https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories 3 Types of Home Daycare Insurance You Must HaveThe three primary coverages your home daycare business needs are:1. Commercial General Liability (CGL) InsuranceSince liability is the highest risk, home-based... --- ### 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. - Published: 2023-03-31 - Modified: 2023-03-31 - URL: https://www.zensurance.com/blog/how-to-grow-your-small-business-in-an-uncertain-economy - Categories: Finance - Tags: economy, liability, recession, small business growth 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. Times are tight for entrepreneurs and small business owners. The economic landscape remains uncertain, it’s difficult to hire and retain employees, rising prices for goods and services pressure consumers and businesses alike, and inflation sits at 5. 2% in February, well above the Bank of Canada’s (BoC) 2% target. So how can small businesses grow in this environment? Although Canada may dodge the ravages of a deepeconomic recession, ongoing challenges persist. Rising commodity prices and global inflation, the pandemic, supply chain disruptions, the war in Ukraine, excess demand for goods, and a tight labour market are all influencing the current state of the Canadian economy.  The BoC increased its benchmark interest rate eight times in the past 10 months to forceinflation downwards from its peak of 8. 1% last year, but earlier this month, Canada’s central bank opted to hold its current rate at 4. 5%. That’s because the BoC believes inflation will come down to 3% by the middle of 2023 and is expected to drop to 2% by 2024. https://www. zensurance. com/wp-content/uploads/2023/03/March-31-Small-Business-Insurance_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesThat sounds promising, but if employment numbers continue to surge (Canada’s unemployment rate was sitting at 5% in February, shy of the 4. 9% record low in July 2022), it’s conceivable the Bankmay be forced to hike its rateagain. Why? Economic theory suggests unemployment and inflation are linked. Therefore, as unemployment increases, inflation decreases and vice-versa. However, what’s puzzling is that’s not what we’re seeing. The perceived economic slowdown... --- ### What Insurance Do Hypnotherapists Need? > Insurance may not be legally required for hypnotherapists in Canada, but it is strongly recommended. Insurance is vital for health and wellness practitioners who help people improve their mental and emotional well-being. Here’s what you should know. - Published: 2023-03-29 - Modified: 2023-03-29 - URL: https://www.zensurance.com/blog/what-insurance-do-hypnotherapists-need - Categories: Insurance - Tags: liability, malpractice insurance, medical malpractice Insurance may not be legally required for hypnotherapists in Canada, but it is strongly recommended. Insurance is vital for health and wellness practitioners who help people improve their mental and emotional well-being. Here’s what you should know. As a hypnotherapist in Canada, you've worked hard to build your practice and make a name for yourself in your field.  You help people in their journeys toward self-improvement, and as a result, you are a trusted professional in your community. However, while you focus on helping your clients achieve their goals and improve their lives, protecting your interests is also essential.  You need a hypnotherapist business insurance policy to protect your finances and livelihood. What Is Hypnotherapist Insurance? Understanding the insurance options available as a Canadian hypnotherapist can help you mitigate risks and ensure success. https://www. zensurance. com/wp-content/uploads/2023/03/March-29-Hypnosis_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesHypnotherapy insurance is a type of liability insurance that covers hypnotherapists if a client files a claim or lawsuit against them, alleging harm or injury resulting from hypnotherapy treatments.  In Canada, several insurance providers offer liability insurance for hypnotherapists. These policies typically cover claims related to professional negligence, malpractice, and bodily injury or property damage that may occur during a hypnotherapy session. The specifics of coverage and premiums will vary depending on the selected insurance provider and policy options. Hypnotherapists in Canada must obtain liability insurance to protect themselves and their clients. It's also important to make sure your practice meets all the rules and regulations for your profession. A hypnotherapist insurance policy can help you achieve that and enhance your professional reputation with your clients. What Risks Do Hypnotherapists Face? As hypnotherapists, you help your clients overcome fears, anxieties, and issues that may... --- ### What Insurance Do Walking Tour Providers Need? > Independent tour guides and walking tour companies providing walking tours in cities and on nature paths can be held liable for damages if one of your clients is injured or if they allege you didn’t deliver what was advertised. Here’s how to protect yourself. - Published: 2023-03-27 - Modified: 2023-03-27 - URL: https://www.zensurance.com/blog/what-insurance-do-walking-tour-providers-need - Categories: Insurance - Tags: liability, walking tour Independent tour guides and walking tour companies providing walking tours in cities and on nature paths can be held liable for damages if one of your clients is injured or if they allege you didn’t deliver what was advertised. Here’s how to protect yourself. Professional walking tour guides deliver sight-seeing experiences as fascinating as they are invigorating, whether a tour of a historical or cultural site or nature path. They share their in-depth knowledge on foot-guided, predetermined routes, often in urban settings, sharing intimate perspectives of a place that entertains and educates.   From city-based culinary walking adventures, heritage walks, street art tours, ghost walks, and group or family journeys traversing the wilderness, walking tour guides provide clients with an organized, cost-effective way to explore their surroundings. However, no small business or profession is without risk, and walking tour guides are no exception. https://www. zensurance. com/wp-content/uploads/2023/03/March-27-Walking-Tour_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories Why Do Walking Tour Guides Need Insurance? Many unforeseen problems or accidents can arise on a walking tour without warning, such as: One of your clients suffers an injury, be it a sprained ankle, dehydration, or worse, if they’re struck by a vehicle in traffic while touring a city. A client is the victim of a crime like a pick-pocket who snatches their mobile phone or other valuables. While on a tour, you accidentally bump into one of your clients carrying a hot beverage, causing it to spill on them, and they suffer a burn or damage to their clothing. A client is unimpressed with your services and alleges you failed to deliverthe advertised experience. A competing walking tour operator in the same area accuses you of infringing on their turf and stealing business from them, and they sue you for... --- ### 6 Tips for Mitigating Work From Home Injuries and Employers’ Liability > Although severe injuries to workers who occasionally or regularly work from home are rare, should one of your employees suffer an injury while working at home, you can still be held liable for the costs. See our tips for reducing those risks. - Published: 2023-03-24 - Modified: 2023-03-24 - URL: https://www.zensurance.com/blog/6-tips-for-mitigating-work-from-home-injuries-and-employers-liability - Categories: Small Business Tips - Tags: employers, liability, work from home Although severe injuries to workers who occasionally or regularly work from home are rare, should one of your employees suffer an injury while working at home, you can still be held liable for the costs. See our tips for reducing those risks. There are benefits aplenty allowing your employees to work from home, including lower absentee rates, increased job satisfaction and employee retention, more productive employees, a lower carbon footprint, and you can save on operating costs. But as an employer, it’s critical to make sure your employees’ health and safety is top-of-mind, even if your workforce works from home.  Although severe injuries to workers who occasionally or regularly work from home are rare, should one of your employees suffer an injury while working at home, you can still be held liable for the costs. That includes employees whose jobs entail sitting at a desk and working eight hours a day or more off a computer. https://www. zensurance. com/wp-content/uploads/2023/03/March-24-Work-From-Home_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesWhether you own ahome-based businessor are working from home for an employer, here are six useful tips to reduce chronic pain and injuries:1. Maintain proper postureWhen working from home using a computer, it’s vital to be mindful of one’s posture, and create an ergonomic workspace to ensure comfort. If you’re comfortable, you’ll be more productive. Conversely, if you’re uncomfortable, it’s more likely you may suffer back and neck pain and feel more fatigue. You should have a rolling office chair with back and arm support. Maintain proper posture by sitting up, so your back and shoulders are straight. The computer monitor should be about 50 centimetres (20 inches) from your face and centred, so your eyes are aimed at the top third of the screen.  2.... --- ### What Is Contractual Liability Insurance? > Contractual liability insurance is your financial backstop for dealing with third-party bodily injury or property damage liabilities you assume when signing a common business contract. Find out how it can protect your business. - Published: 2023-03-20 - Modified: 2023-03-20 - URL: https://www.zensurance.com/blog/what-is-contractual-liability-insurance - Categories: Insurance - Tags: commercial, liability Contractual liability insurance is your financial backstop for dealing with third-party bodily injury or property damage liabilities you assume when signing a common business contract. Find out how it can protect your business. When a small business owner or contractor inks a contract with a customer or another organization, they’re assuming responsibility for any claims for damage and loss that may arise. In essence, it puts the onus on you to pay the cost of a claim as per the terms of the contract you sign. That’s why it’s vitally important to have contractual liability business insurance. Otherwise, should something go wrong and the property is damaged, or someone is injured, the business owner or contractor is financially liable to pay those expenses. https://www. zensurance. com/wp-content/uploads/2023/03/March-20-Contract_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What Does Contractual Liability Insurance Do? Contractual liability insurance is your financial backstop for dealing with third-party bodily injury or property damage claims. It’s designed to cover those costs, so you don’t have to pay for it out of your pocket. For example, if a general contractor signs a contract with a property owner to renovate a building, that contract will state the contractor assumes the financial responsibility to pay for any third-party bodily injuries or property damages that occur while the renovation work is underway. In such an instance, the contractor provides the property owner with an indemnity agreement (also known as a “hold harmless” agreement) that states the contractor will pay for losses without holding the property owner liable. Or, if a retail business owner rents or leases acommercial property, the rental or lease contract they sign requires the retailer to shield the commercial property owner from... --- ### Do Landlords Need Additional Insurance? > Being a landlord is a big responsibility. That means taking the time to fully understand the costs of being a landlord – both expected and unexpected. Here’s what you should know. - Published: 2023-03-17 - Modified: 2023-10-13 - URL: https://www.zensurance.com/blog/do-landlords-need-additional-insurance - Categories: Insurance - Tags: landlord, landlord lp, rental property Being a landlord is a big responsibility. That means taking the time to fully understand the costs of being a landlord – both expected and unexpected. Here’s what you should know. Investing in rental properties can be a rewarding business venture for those with a knack for home maintenance and tenant management. Being a landlord has its pros and cons. On the one hand, you get a sense of fulfillment from providing tenants with a safe and comfortable place to live while earning passive income and enjoying tax deductions on expenses like repairs and upgrades. But on the other hand, you can be liable for tenant injuries or damages. Protecting your property and assets is vital whether you’re a new or experienced landlord.   That’s where alandlord insurancepolicy can help: it is your financial backstop for expenses arising from accidents or unanticipated damages and losses. https://www. zensurance. com/wp-content/uploads/2022/09/March-17-Landlord_Blog-Image. png Why Do Landlords Need Insurance? First, let’s define what landlord insurance is. Landlord insurance protects you, the property owner, from financial losses at your rental properties, including damage to the building, loss of rental income, and liability arising from property ownership. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesWhile saving a few loonies and relying on a private homeowner policy may be tempting, read the fine print of your policy. For example, you might be covered by your homeowner insurance if you’re only renting out a room or basement unit in your own home, but it’s unlikely. And you’ll most certainly need landlord insurance if you’re renting out a separate property other than where you reside. A landlord insurance policy is not mandatory for rental properties in Canada. Despite no legal requirement, mortgage... --- ### 5 Common Cyber Liability Insurance Claims > Small businesses and startups are not immune to cyber-attacks. Get a rundown of some of the most common cyber-attacks that hit companies of all sizes and how cyber liability insurance can help a business recover from one. - Published: 2023-03-15 - Modified: 2023-03-15 - URL: https://www.zensurance.com/blog/5-common-cyber-liability-insurance-claims - Categories: Cybersecurity - Tags: cyber, cybersecurity, liability Small businesses and startups are not immune to cyber-attacks. Get a rundown of some of the most common cyber-attacks that hit companies of all sizes and how cyber liability insurance can help a business recover from one. Unfortunately, cyber-attacks on small businesses have become increasingly common. It comes with the territory: the more we rely on technology to manage and conduct business, the greater the likelihood your company will be targeted by hackers. Cyber-attacks are on the rise everywhere and across industries, from themany types of fraudand distributed denial-of-service (DDoS) attacks toonline scams. Among the more high-profile attacks of late is the ransomware attack suffered by --- ### Workers’ Compensation vs Employers’ Liability Insurance: What’s the Difference? > You may wonder if employers’ liability insurance is the same as workers’ compensation insurance. Technically, the answer is ‘no’. However, these two insurance types are designed to complement each other. Here’s what you need to know. - Published: 2023-03-13 - Modified: 2023-03-13 - URL: https://www.zensurance.com/blog/workers-compensation-vs-employers-liability-insurance-whats-the-difference - Categories: Insurance - Tags: employers, liability You may wonder if employers’ liability insurance is the same as workers’ compensation insurance. Technically, the answer is ‘no’. However, these two insurance types are designed to complement each other. Here’s what you need to know. Protecting your business from liabilities related to occupational injuries your employees suffer should be part of your ongoing risk management strategies. According to a 2022 report by the University of Regina citing data from the Association of Workers’ Compensation Boards of Canada (AWCBC), 924 workers died due to work-related causes in 2020. Additionally, the AWCBC reported 313 injuries and 611 occupational disease-related fatalities in Canada in 2020. You may wonder if employers’ liability insurance is the same as workers’ compensation insurance (a. k. a. workers’ comp). Technically, the answer is ‘no’. However, these two insurance types are designed to complement each other. https://www. zensurance. com/wp-content/uploads/2023/03/March-13-Workers-Comp_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What’s the Difference Between Employers’ Liability Insurance and Workers’ Compensation Insurance in Canada? While both policies are designed to cover the costs of injuries or illnesses to workers that happen on the job, the primary difference between employers’ liability insurance and workers’ comp in Canada is employers’ liability insurance protects the employer or business for compensation, awards, and expenses if sued by employees for injuries they suffer on the job which are not covered under a Worker’s Compensation plan. Workers’ comp is designed to cover no-fault insurance for an injured employee’s medical expenses, rehabilitation, and a portion of their lost wages caused by a workplace injury or related health issue. In addition, if one of your employees dies from their injuries, workers’ comp pays death benefits to their family. In other words, if an employer is deemed... --- ### Do Virtual Assistants Need Insurance? > Virtual assistants are independent, self-employed contractors who provide their clients with administrative, customer service, technical, and other support services. With so much responsibility, it’s vital to protect yourself with insurance. Here’s what you should know. - Published: 2023-03-10 - Modified: 2023-03-24 - URL: https://www.zensurance.com/blog/do-virtual-assistants-need-insurance - Categories: Insurance - Tags: liability Virtual assistants are independent, self-employed contractors who provide their clients with administrative, customer service, technical, and other support services. With so much responsibility, it’s vital to protect yourself with insurance. Here’s what you should know. Fuelled by the internet-driven remote work phenomenon, the demand for virtual assistants in Canada continues to rise as businesses of all sizes in any industry look to reduce their overhead costs. As one of manyrecession-proof professions, virtual assistants are independent, self-employed contractors who typically work out of their homes, providing their clients with administrative, customer service, technical, and other support services.  Working offsite from where their clients are located, virtual assistants can help small business owners by tackling the more mundane, time-consuming, but necessary tasks of running a company allowing owners to concentrate on generating revenue. https://www. zensurance. com/wp-content/uploads/2023/03/March-10-Virtual-Assistant_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesHowever, these administrative and tech-savvy professionals face noteworthy perils on multiple fronts requiring a sound risk management strategy anchored by a virtual assistant insurance policy to cover them if something goes awry. What Risks Do Virtual Assistants Face? There are several reasons why a virtual assistant needs a business insurance policy. After all, virtual assistants have access to their clients’ confidential or mission-critical data and are responsible for keeping that data safe.  Some of the risks virtual assistants may face include the following: Accidentally deleting or sharing a client’s customer relationship management (CRM) data. Publishing a comment or image on a client’s social media channels that goes sideways and causes the client reputational harm. Not having adequate cybersecurity measures in place to protect a client’s data, financial information, and personal information or your client’s customer-related information and the information is stolen in a cyber-attack. If... --- ### What Is Liability Insurance? > Liability insurance for small businesses and self-employed professionals protects your assets if you're legally responsible for compensating a third party for damage or loss. Learn about the different types of liability insurance and how they can protect you. - Published: 2023-03-08 - Modified: 2024-04-23 - URL: https://www.zensurance.com/blog/what-is-liability-insurance - Categories: Insurance - Tags: gl, liability Liability insurance for small businesses and self-employed professionals protects your assets if you're legally responsible for compensating a third party for damage or loss. Learn about the different types of liability insurance and how they can protect you. If you or your small business are legally responsible for compensating another person for bodily injuries or damages to their property they suffer, it’s liability insurance that covers those costs. And depending on the incident or type of loss a third party incurs, those expenses can run into thousands of dollars, potentially threatening the viability of your business. Liability insurance is a general term that describes specific protections to protect your business or profession from financial losses if facing a third-party lawsuit or claim for damages. According to the Insurance Bureau of Canada, the commercial general liability (CGL) insurance market was worth $13. 8 billion in 2021, with an estimated $5. 7 billion being paid out in claims to policyholders. https://www. zensurance. com/wp-content/uploads/2023/03/March-8-Liability-Insurance_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What Does Liability Insurance Cover? A business liability insurance policy can help pay your legal and other expenses associated with a third-party claim or lawsuit, such as one of your customers who alleges your services caused them financial or reputational harm, or a visitor to your store who trips, falls and requires medical attention because they’re injured. As with any insurance, a liability insurance policy usually hasexclusions, restrictions, or coverage limits. For instance, liability insurance is not designed to pay fordamage to your business’s property caused by a flood(you need commercial property insurance to cover your place of business). Instead, liability insurance protects a business owner's costs if they must pay a third party for damage or loss. What... --- ### What Type of Insurance Do Beauticians Need? > All beauticians – from barbers to tattoo artists – face financial risks from accidents and client allegations of wrongdoing or lawsuits. Get a rundown of how insurance can help protect you and keep your reputation blemish-free. - Published: 2023-03-06 - Modified: 2023-03-06 - URL: https://www.zensurance.com/blog/what-type-of-insurance-do-beauticians-need - Categories: Insurance - Tags: beautician All beauticians – from barbers to tattoo artists – face financial risks from accidents and client allegations of wrongdoing or lawsuits. Get a rundown of how insurance can help protect you and keep your reputation blemish-free. The beauty profession puts the onus on beauty practitioners to make their clients feel confident and look beautiful. And, let’s face it: regardless of what type of beauty professional you are, if you make a mistake and upset one of your clients, things can get ugly fast. Moreover, your professional reputation may be permanently scarred, and there’s no glossing that over. That reality highlights the necessity of having a beauty insurance policy to support you whether you care for your clients on a commercial property you own or lease or travel to your clients’ homes to deliver your services. https://www. zensurance. com/wp-content/uploads/2023/03/March-6-Esthetician_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What Type of Beauty Professionals Need Insurance? Whether you’re an independent beauty consultant or the owner of a barber shop, salon, or spa, all Canadian beauty professionals need to shield themselves from the threat of bodily injury and property damage claims or third-party lawsuits, including: Barbers Cosmetologists Electrologists Estheticians Eyebrow and eyelash technicians Hair colour specialists Hairdressers Hair removal specialists Hair stylists  Laser and IPL technicians Makeup artists Manicurists Microblading specialists Nail care artists Pedicurists Perm specialists Skin care specialists Shampooers Tattoo artists Teeth whitening hygienists Waxing and sugaring specialists Sometimes, you may be required to carry liability insurance to do your job or get a licence to practice.  Many beauty-related practitioners, such as electrologists and aestheticians, are regulated by the province where they live and work. Check with the regulatory authorities in your region to determine if you must... --- ### What to Do If Your Small Business Floods > As Canada’s most common natural hazard, floods pose a risk to businesses everywhere. Learn more about floods, how to prevent them, clean up after one, and how insurance can help tackle the cost of damage and loss. - Published: 2023-03-03 - Modified: 2023-03-03 - URL: https://www.zensurance.com/blog/what-do-do-if-your-small-business-floods - Categories: Small Business Tips - Tags: commercial property, commercial property insurance, flood, flood insurance, severe weather As Canada’s most common natural hazard, floods pose a risk to businesses everywhere. Learn more about floods, how to prevent them, clean up after one, and how insurance can help tackle the cost of damage and loss. Severe weather in Canada in 2022 was the third most expensive year in insurance claims, hitting an eye-watering $3. 1 billion in insured losses, according to the Insurance Bureau of Canada (IBC). That makes last year the third worst year for insured losses in Canadian history. And the destruction was not the result of a single storm, IBC notes, but rather a series of severe weather events across the country, including Hurricane Fiona, the Ontario and Quebec derecho, a late winter storm in Eastern Canada, and vicious summer storms in Western Canada. In each of these storms, flooding was a significant factor. These costly events highlight the need for small business owners to be prepared for disasters by taking preventative measures to safeguard their properties and reviewing theircommercial property insurancepolicies to ensure adequate coverage if their businesses are flooded. https://www. zensurance. com/wp-content/uploads/2022/08/March-3-Flooding_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What Are the Most Common Causes of Floods? As Canada’s most common natural hazard, floods pose a risk to businesses everywhere. With various factors contributing to flooding across the country, small businesses need to be aware of the potential impacts.  Here are the key factors that can affect small businesses and increase their vulnerability to floods:1. Your Business’s LocationIf your business is on a floodplain — from Chilliwack to Miramichi — you are at a higher risk for flooding. The same goes for low-lying areas (at, near, or below sea level areas like the Red River Valley) and near waterways... --- ### Fraud Prevention Month 2023: 8 Ways to Protect Your Business From Fraud > March is Fraud Prevention Month. Fraud is rising significantly in Canada. Do you know where your greatest vulnerabilities are? Learn how to prevent your business from falling victim to fraud. - Published: 2023-03-01 - Modified: 2023-03-01 - URL: https://www.zensurance.com/blog/fraud-prevention-month-8-ways-to-protect-your-business-from-fraud - Categories: Cybersecurity - Tags: commercial crime insurance, cybersecurity, fraud March is Fraud Prevention Month. Fraud is rising significantly in Canada. Do you know where your greatest vulnerabilities are? Learn how to prevent your business from falling victim to fraud. Fraud is a booming industry, and the internet has helped it rocket to new heights. The number of Canadian small businesses hit by fraud keeps increasing significantly year-over-year as scammers target small businesses and entrepreneurs, knowing they likely don’t have thecybersecurity defenceslarge corporations do.  The Competition Bureau of Canada estimates that 47% of Canadian organizations experienced some form of fraud between 2018 and 2020, adding that one out of five small businesses was victimized by fraud in 2019, costing them an average of $6,200. Moreover,statistics from the Canadian Anti-Fraud Centreestimate $531 million was lost to fraud in 2022, and as of January 2023, the Centre has already received more than 6,000 reports of fraud. https://www. zensurance. com/wp-content/uploads/2022/03/March-1-Fraud_Blog-Image. pngMarch is Fraud Prevention Month in Canada. Small business owners already know that fraud is out there and something to be on the lookout for, but they may not always know how to spot it or what steps to take to help prevent it. What Is Fraud? Unfortunately, fraud can take on many forms. Some might seem obvious, but others are hard to spot, especially for the untrained eye. And sometimes, it can come from inside your own company. For example, employee theft is a common source of internal fraud – from lost inventory to unethical accounting practices or the theft of financial and physical assets. Externally, potential sources of fraud are much broader. External fraud may come in the form of counterfeit bills, bad cheques, or the use of stolen credit cards.... --- ### What Insurance Do Photographers Need? > Whether you’re on the cusp of starting a photography career or are an experienced veteran, here’s how to protect your photography business. - Published: 2023-02-27 - Modified: 2023-02-27 - URL: https://www.zensurance.com/blog/what-insurance-do-photographers-need - Categories: Insurance Whether you’re on the cusp of starting a photography career or are an experienced veteran capturing unforgettable moments in time, the threats to your financial welfare can be considerable. Here’s how to protect your photography business. For professional photographers and shutterbugs aspiring to take their talents to the next level comes the question, “What insurance do I need as a photographer? ” Although it’s not mandatory, it’s wise to consider protecting your career and finances with a customized photographer insurance policy that covers all aspects of your photography services, equipment, studio, and other assets. Why Do Photographers Need Insurance? All types of photographers – wedding photographers, travel photographers, nature photographers, freelance photographers, photojournalists, etc. – face significant financial and professional risks. https://www. zensurance. com/wp-content/uploads/2023/02/Feb-27-Photo-Gear_Blog-Image. pngWhether you’re on the cusp ofstarting a photography career or small business, or an experienced veteran capturing unforgettable moments in time, the threats to your financial welfare can be considerable. For example, the equipment you purchase and need to do your job is expensive. Can you comfortably afford to replace your gear if stolen or destroyed by fire or water damage? Or what would you do if a client sues you because they’re dissatisfied with your work? Can you cover a client's medical costs if they trip over a cable and injure themselves in a studio where you conduct photoshoots? Photographer insurance exists to deal with instances like these and more. Without a tailored policy serving as the foundation of your risk management strategy, it’s possible one accident, allegation, or lawsuit could ruin your reputation and drive you into bankruptcy. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Types of Insurance Do Photographers Need? The coverages within a photographer’s insurance policy andyour... --- ### What Is Drone Liability Insurance? > There are countless possibilities for using drones commercially. But with all the upsides drones provide for businesses, there are also downsides. Get an overview of how drone liability insurance can protect you. - Published: 2023-02-24 - Modified: 2023-02-24 - URL: https://www.zensurance.com/blog/what-is-drone-liability-insurance - Categories: Insurance - Tags: drone liability, photography, videographer There are countless possibilities for using drones commercially. But with all the upsides drones provide for businesses, there are also downsides. Get an overview of how drone liability insurance can protect you. Do you use drones for your profession or small business? Formally called an unmanned aerial vehicle (UAV) or unmanned aircraft system (UAS), drones are commonplace in many industries for a variety of commercial purposes. For example, small, lightweight drones are used by engineers to conduct land surveys, home inspectors to get a full view of a property’s roof and surrounding area, or by oil and gas production facilities to do safety inspections. There are countless possibilities for using drones commercially, as they make aerial photography and videography affordable and easier to procure. https://www. zensurance. com/wp-content/uploads/2023/02/Feb-24-Drone_Blog-Image. pngBut with all the upsides drones provide for businesses, there are also downsides. Namely, managing the risk that UAVs pose, including privacy-related issues, third-party bodily injury and property damage claims, and protection for the devices if they are lost, damaged, vandalized, or stolen. To address these concerns, you need adrone liability insurancepolicy. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Does Drone Liability Insurance Provide? A typical drone liability insurance policy includes two types of coverages:Drone liability insuranceLiability insurance provides financial support to deal with third-party bodily injury and property damage claims or lawsuits. It is essential coverage since there’s always the possibility a drone you’re operating could crash and injure someone or damage their property. Drone hull & equipment insuranceAny drone is an expensive piece of equipment that you should protect. A product warranty doesn’t provide the coverage you need if your drone is damaged, lost, vandalized, or stolen. Noise liability coverage may be... --- ### What Is Commercial Auto Insurance in Canada? > Most personal car insurance policies do not provide coverage for accidents or damages to a vehicle used for business. Learn what a commercial auto policy provides and why it’s must-have coverage for your wheels. - Published: 2023-02-21 - Modified: 2023-02-21 - URL: https://www.zensurance.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 Most personal car insurance policies do not provide coverage for accidents or damages to a vehicle used for business. Learn what a commercial auto policy provides and why it’s must-have coverage for your wheels. Do you use your personal vehicle for business purposes? If you do and get into a collision, there’s a good chance your personal auto policy will not cover you for the damages. Whether you manage a small business that has a couple of SUVs or are a self-employed contractor with a single utility van or pickup truck, you need acommercial auto insurancepolicy to cover the cost of damages to your wheels. What Is Commercial Auto Insurance? Also known as commercial vehicle insurance or business auto insurance, commercial auto insurance covers the cost of damages to any vehicle used for business purposes, including cars, vans, trucks, and trailers. It typically includes coverage for an injured driver’s medical expenses. https://www. zensurance. com/wp-content/uploads/2021/12/Feb-22-Comm-Auto_Blog-Image. pnghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesWhether your business has one car or up to five vehicles to transport people, materials, or packaged goods, it’s essential to have a customized commercial auto policy to protect you from third-party liability and property damage. Most personal car insurance policies in Canada do not provide coverage for accidents or incidents that may occur to a vehicle used for business. If your business has five or more vehicles, you may require acommercial fleet vehicle insurance policyto ensure you’re covered. What Coverages Are Included in a Commercial Auto Policy? Like a personal auto policy, a commercial auto policy includes mandatory coverages required by the province where you reside. These statutory coverages and thecoverage limitsmay vary depending on your jurisdiction:Third-party liabilityThird-party liability provides financial support... --- ### How to Reduce Your Small Business’s Electrical Fire Risks > Don’t assume your business has no electrical fire risk because everything appears to operate correctly daily. Find out how to prevent electrical fires and how insurance can help your business recover if one ignites in your workplace. - Published: 2023-02-17 - Modified: 2023-02-17 - URL: https://www.zensurance.com/blog/how-to-reduce-your-small-businesss-electrical-fire-risks - Categories: Insurance - Tags: business fire insurance, commercial property, fire safety tips Don’t assume your business has no electrical fire risk because everything appears to operate correctly daily. Find out how to prevent electrical fires and how insurance can help your business recover if one ignites in your workplace. A fire at your workplace could devastate your small business’s ability to recover and survive. Not only can a fire destroy your building, contents, and inventory, but in the worst of all possibilities, a fire can injure or kill one of your employees or customers. It’s estimated that approximately 20% of all property fires in Canada are electrical fires. According to the Canadian Centre for Occupational Health and Safety, 33 workers died in Ontario between 2008 and 2017 from electrocution or electrical burns. Don’t assume your business has no electrical fire risk because everything appears to operate correctly daily. Electrical systems always present a risk of fire. https://www. zensurance. com/wp-content/uploads/2023/02/Feb-17-Outlet-Fire_Blog-Image. pngElectrical hazards and fires are significant threats to your business, including: Property damage. Extinguishing an electrical fire (or any fire) can lead to more harm to your property and contents from smoke and water damage. Electrical fires can destroy the building’s electrical panel and expensive equipment and machinery. Business interruption. An electrical fire can cause serious damage to your commercial property, forcing you to close for an extended period. That will lead to lost revenue and threaten your business's survival. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories Reputational damage. Whether customers or job applicants, a fire at your business property can detrimentally impact your business’s reputation. Higher insurance costs. Your company’s insurance claims history is one of many factors insurance providers consider when deciding to offer you a policy and at what premium. Fire-related claims can make getting insured at... --- ### 9 Common Warehouse Risks and How to Reduce Them > Handling the cost and impact of accidents and being prepared for unexpected damage and loss because of events beyond their control is a top challenge warehouse owners face. Get an overview of the most common warehouse hazards and how insurance can protect your business. - Published: 2023-02-15 - Modified: 2023-07-13 - URL: https://www.zensurance.com/blog/9-common-warehouse-risks-and-how-to-reduce-them - Categories: Insurance - Tags: commercial property, shipping costs, warehouse Handling the cost and impact of accidents and being prepared for unexpected damage and loss because of events beyond their control is a top challenge warehouse owners face. Get an overview of the most common warehouse hazards and how insurance can protect your business. Business owners and warehouse managers grapple with a host of challenges in their quests to attain efficient, cost-effective, and safe operations. From dealing withinventory managementproblems and adapting to seasonal demand to optimizing picking processes and meeting rising labour costs, these intricate ecosystems depend on multiple processes running smoothly to meet customer expectations and be profitable.  Adhering tolean management principlesand exploring the benefits of RFID asset tagging, automated goods handling, and a warehouse management system can help iron out kinks in operations and improve profitability. https://www. zensurance. com/wp-content/uploads/2023/02/Feb-15-Warehouse_Blog-Image. pngHowever, handling the cost and impact of warehouse accidents and being prepared for unexpected damage and loss because of events beyond their control is one of the top challenges warehouse owners and managers face. That's when a customized warehouse insurance policy can help a business recover quickly, whether storing goods in a warehouse you own or at a third-party location. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 9 Common Warehouse Risks and HazardsA complex organizational structure like a warehouse can seem resilient and entirely reliable when everything is humming along as it should. But appearances can be deceiving, and the possibility of an accident or unexpected damage is always prevalent. Here are nine common hazards warehouse managers typically face and how to mitigate them:1. Slips, trips, and fallsWhether it’s an employee, business partner, or visitor to your warehouse, a sudden slip or trip and fall is among the most common accidents, and it can have costly implications. For example, a visitor to your... --- ### How Your Small Business Can Accept Credit Card Payments in Canada > The monetary landscape is shifting, emphasizing the need for Canadian small businesses to adapt to accepting cashless payments more frequently from their customers. Here’s what you should know. - Published: 2023-02-13 - Modified: 2023-09-18 - URL: https://www.zensurance.com/blog/how-your-small-business-can-accept-credit-card-payments-in-canada - Categories: Finance - Tags: finance The monetary landscape is shifting, emphasizing the need for Canadian small businesses to adapt to accepting cashless payments more frequently from their customers. Here’s what you should know. Cash may be king, but Canada is inching toward becoming a cashless society as more Canadians make purchases with a credit card, debit card, or a digital payment solution like PayPal, Venmo, or an e-wallet like Google or Apple Pay. It’s estimated by 2030, there will be a 70% drop in cash purchases, and only 10% of all money spent in Canada will be done in cash compared to 35% in 2014, according to Moneris Solutions.  However, that doesn’t mean cash will disappear any time soon, as the Bank of Canada notes in a recent survey that 80% of Canadians say they have no plans to go cashless in the next five years. https://www. zensurance. com/wp-content/uploads/2022/01/Feb-13-Payment-Machine_Blog-Image. pngNevertheless, the monetary landscape is shifting, emphasizing the need for small businesses to adapt to accepting cashless payments more frequently from their customers at the point of sale (POS). While there are options aplenty in that regard, it’s a safe bet you need to be ready to accept credit and debit card payments. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories Why Should Your Small Business Accept Credit Cards? Accepting credit cards can help small businesses meet consumers’ changing needs and preferences and grow their businesses. A report by money. co. uk suggests Canada is the world’s most cashless country, with 83% of the population owning a credit card (the highest usage in the world). Our country’s high credit card issuance rate suggests numerous consumers prefer using credit cards for everyday purchases.  When small businesses... --- ### Does Your Business Need Fleet Vehicle Insurance? > The benefit of purchasing a fleet vehicle insurance policy for five or more business vehicles is two-fold: it ensures your vehicles are protected and you can save money. Read our in-depth guide on commercial fleet vehicle insurance. - Published: 2023-02-08 - Modified: 2023-02-08 - URL: https://www.zensurance.com/blog/does-your-business-need-fleet-vehicle-insurance - Categories: Insurance - Tags: business insurance, commercial auto, fleet vehicles The benefit of purchasing a fleet vehicle insurance policy for five or more business vehicles is two-fold: it ensures your vehicles are protected and you can save money. Read our in-depth guide on commercial fleet vehicle insurance. For small businesses with five or more vehicles, the most affordable and effective way to protect them is with a fleet car insurance policy. Also calledcommercial fleet insuranceor fleet vehicle insurance, it protects multiple vehicles a company owns, whether those wheels are used to deliver finished goods, transport raw materials and equipment, or shuttle people from one location to another. It's a vital protection to have. According to data from Parachute Canada, transport incidents are among the top four causes of injuries or deaths, accounting for $3. 6 billion in injury costs in 2018. Furthermore, 1,759 Canadians were killed in car accidents in 2018, and 23,872 were hospitalized with severe injuries. https://www. zensurance. com/wp-content/uploads/2023/02/fleetvehicles. jpg What Is the Difference Between Commercial Auto and Fleet Vehicle Insurance? Commercial auto insuranceand fleet vehicle insurance typically provide similar protections for vehicles used for business purposes. Those vehicles may be cars, SUVs, pickup trucks, vans, and trailers. Whereas commercial auto insurance covers damages to a single vehicle and driver and passenger injuries, fleet vehicle insurance is designed to provide the same protections for multiple vehicles you own. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesThe benefit of purchasing a fleet vehicle insurance policy forfive or morebusiness vehicles is two-fold: it ensures your vehicles are protected and can save you money. For instance, buying one fleet vehicle policy to cover five SUVs your business owns is typically cheaper than buying five commercial auto insurance policies. Furthermore, depending on the size of your vehicle fleet, you could... --- ### Do Event Planners Need Insurance? > Event planning is an exciting industry, and event planners have careers abounding with culture, novelty, creativity, and adventure. Business insurance is necessary for any event planner so they can focus on their next big event, not an unexpected accident. - Published: 2023-02-06 - Modified: 2024-04-23 - URL: https://www.zensurance.com/blog/do-event-planners-need-insurance - Categories: Insurance - Tags: business insurance, event planner, wedding planner Event planning is an exciting industry, and event planners have careers abounding with culture, novelty, creativity, and adventure. Business insurance is necessary for any event planner so they can focus on their next big event, not an unexpected accident. As an event planner, you have a lot of responsibilities. You are expected to coordinate, execute, and promote events to make your client shine bright while not breaking the bank and hopefully attracting lifelong fans to your client's organization. That's a tall order, and a million little pieces need to fall perfectly in place for your event to go off without a hitch. But let’s face it. There’s always a hitch. There are risks involved with every event, every step of the way. According to IBIS World,trade show and event planning is a $2 billion industry, and significant growth is expected in the next five years. Event planning is an exciting industry, and event planners have careers abounding with culture, novelty, creativity, and adventure. A business insurance policy is necessary for any event planner so they can focus on their next big event, not an unexpected accident. https://www. zensurance. com/wp-content/uploads/2023/02/Conference. jpg What Is an Event Planner? Event planning is the application of project management to large and small-scale events. Think of the Olympics or a company brunch. So much goes into planning an event, such as studying the brand, finding its target audience, creating the event concept, promoting the event, coordinating all technical and financial aspects, and launching it. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesNowadays, we live online and in-person, so an online event usually goes hand-in-hand with the event on the ground. These are part of integrated marketing campaigns, and event planners are often tasked with promoting a... --- ### Do Yoga Teachers Need Liability Insurance? > Yoga teachers are fitness and wellness instructors who guide their clients through various poses or asanas. Despite the many benefits yoga provides, your clients may suffer a physical injury that can put your livelihood at risk. Here’s how you can protect yourself. - Published: 2023-02-03 - Modified: 2023-02-03 - URL: https://www.zensurance.com/blog/do-yoga-teachers-need-liability-insurance - Categories: Insurance - Tags: business insurance, professional liability, yoga insurance Yoga teachers are fitness and wellness instructors who guide their clients through various poses or asanas. Despite the many benefits yoga provides, your clients may suffer a physical injury that can put your livelihood at risk. Here’s how you can protect yourself. Yoga teachers lead their clients through the physical and mental discipline of meditation and body postures that can help improve their lives. Yoga has many benefits: increased flexibility and strength, weight reduction, improved cardio and circulatory health, stress relief, sharpened mental focus and can help boost one’s immune system. As a yoga teacher, you're a fitness and wellness instructor who guides your clients through various poses or asanas. However, yoga teacher liability insurance should be top-of-mind whether you’re starting to teach yoga classes or are an experienced yogi. https://www. zensurance. com/wp-content/uploads/2023/02/YogaInstructor. jpg What Risks Do Yoga Teachers or Instructors Face? A third-party bodily injury claim or a lawsuit is the most significant risk to your career and finances as a yoga teacher. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesSome of the most common yoga-related injuries include rotator cuff tendonitis and tears, spinal disc injuries in the low back and neck, cartilage tears in the knee, hamstring strain and tears, and wrist injuries. These tend to occur to people who push themselves too hard while attempting to attain a specific pose and don’t know their physical limitations. As a yoga practitioner and class leader, you can be held liable for any injuries your clients suffer during or after one of your lessons. Moreover, if you lead a class in a studio that you rent or use as an independent contractor, the studio owner may require you to have ageneral liabilitypolicy of your own, even if the owner is insured.  Likewise, in... --- ### What Is a Loss Payee in Business Insurance? > A loss payee is one of many insurance terms worth understanding, so you can make informed choices when insuring your profession or business. Learn more about loss payees and how they differ from an additional insured. - Published: 2023-02-01 - Modified: 2023-02-01 - URL: https://www.zensurance.com/blog/what-is-a-loss-payee-in-business-insurance - Categories: Insurance - Tags: business insurance, insurance terms A loss payee is one of many insurance terms worth understanding, so you can make informed choices when insuring your profession or business. Learn more about loss payees and how they differ from an additional insured. When trouble or tragedy strikes, if you have a business insurance policy, you can relax knowing afterfiling a claimthat your insurance provider will reimburse you for the damage or loss your small business suffers after the claim has been approved.  But you might not be the first or only recipient of a claim settlement payment from your insurance provider if a loss payee is listed on the policy. So, what is a loss payee? A loss payee is anyone entitled to receive funds from an insurance provider following a settled claim, including an organization. That could be the named insured (you, the policyholder) or a third party with an insurable interest in your claim. https://www. zensurance. com/wp-content/uploads/2023/02/losspayee. jpgA loss payee is one ofmany insurance termsworth understanding, so you can make informed choices when insuring your profession or business. There is what’s known as a loss payable clause in your business insurance policy on thedeclarations page. Under that clause, it lists any loss payees on your policy. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesFor example, if you purchase a commercial property and have a mortgage, the financial lender providing you with a mortgage is automatically listed on your policy as a loss payee. Therefore, if a fire destroys the property and it is determined by your insurance provider to be a total loss, payment is made to the financial lender first up toyour policy’s coverage limit. If there is still a balance owing on the mortgage after the lender receives full... --- ### 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. - Published: 2023-01-30 - Modified: 2023-06-22 - URL: https://www.zensurance.com/blog/how-to-start-a-business-in-ontario - Categories: Startup Tips - Tags: start a business 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. Are you ready to go from employee to entrepreneur?  Small business owners drive the Ontario economy. They make up 97. 7% of the businesses in the province, and that doesn’t include the more than 1 million Ontario workers who are self-employed. They may be small businesses, but their impact is enormous. Here’s how to get ready to make an impact with your new business endeavour. Steps to Start a Business in OntarioThere’s more to a successful business than having a great business idea. You need to have a solid foundation to work off. To do this, you need to do some planning, research, and administration work – like getting business insurance – early in the process to ensure you’re set up for success. https://www. zensurance. com/wp-content/uploads/2023/01/Businesspartners. jpg Prepare a Business PlanA business plan is an essential document. It includes details on everything from your company profile and market research to the physical resources the company will need (like equipment) and financials. Your company’s road map will help youmake better business decisionsalong the way, and it’s the document you’ll give lenders and investors if you need financing. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesBecause of its importance, there are many resources available to help: The Federal Economic Development Agency for Ontario’sbusiness plan guidedetails everything from the Executive Summary to the appendices you may need. Once drafted, the province’s Small Business Enterprise Centres offer areview service of your business plan. You’ll get feedback, so your business plan is the best. If you’restarting... --- ### 6 Risks Gyms and Fitness Centres Face > Even the most organized and well-managed gyms and fitness centres are vulnerable to many liability exposures. Learn about the most common risks and how to mitigate them. - Published: 2023-01-27 - Modified: 2023-01-27 - URL: https://www.zensurance.com/blog/6-risks-gyms-and-fitness-centres-face - Categories: Insurance - Tags: gym insurance, personal trainer Even the most organized and well-managed gyms and fitness centres are vulnerable to many liability exposures. Learn about the most common risks and how to mitigate them. Gym and fitness centre owners are physical fitness champions who revel in helping people improve their health and wellness. Although there are plenty of benefits to owning a gym, there are hazards, risks, and safety issues that threaten your small business. Even the most organized and well-managed gyms and fitness centres are vulnerable to many liability exposures. Here are the six most common risks gym and fitness centre owners face and how to mitigate them:https://www. zensurance. com/wp-content/uploads/2023/01/gyminsurance. jpg 1. Accidents and injuriesEnthusiastic gym-goers are running and spinning, lifting and pumping, and they risk getting hurt if they lose their footing and slip or fall. Beyond sprains and broken bones, a client improperly using your facility’s equipment and injuring themselves can cost your gym an arm and a leg. Treadmills pose the no. 1 injury risk in any gym or fitness centre. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories How can you avoid this? Institute proper training and use of documentation for all equipment users, trainers, and clients. Ensure all equipment is in top shape and there's adequate space between different exercise machines. Monitor how your clients use your equipment and prevent them from suffering an injury by advising them to use it safely if you see them misusing any equipment. Communicate clearly, and continually reinforce your safety rules to clients, ensuring staff enforce the safeguards. Post all rules and safety signage in highly visible areas throughout the facility. Keep your fitness centre uncluttered and clean, and ensure there are no... --- ### Seasonal Contractor: 5 Reasons Why You Need Year-Round Insurance Protection > Does buying a short-term business insurance policy save you money? Not necessarily. Moreover, it can lead to problems. Here are five reasons why you should consider purchasing an annual policy and maintaining continuous protection for your business. - Published: 2023-01-25 - Modified: 2024-12-10 - URL: https://www.zensurance.com/blog/seasonal-contractor-5-reasons-why-you-need-year-round-insurance-protection - Categories: Insurance - Tags: construction, landscaping, renovation, snow removal Does buying a short-term business insurance policy save you money? Not necessarily. Moreover, it can lead to problems. Here are five reasons why you should consider purchasing an annual policy and maintaining continuous protection for your business. Many contractors in the construction and renovation industries earn their living by inking short-term contracts to work on a particular project. Other contractors may shift their focus depending on the time of year. For instance, pursuing landscaping projects in the warmer months and providing snow plowing services in the wintertime. As a result, some contractors may purchase short-termbusiness insurancepolicies as their seasonal work dictates. But you don’t have to work in the construction trades to be a seasonal contractor or business. Some small businesses only operate for half the year — for example, a gardening and landscaping supply store, ora campground or RV park. https://www. zensurance. com/wp-content/uploads/2023/01/Contractor. jpgHowever, there are benefits to acquiring an annual policy for your insurance needs instead of buying a short-term one. Is Buying Seasonal Business Insurance Worth It? There’s an argument to be made for buying short-term insurance coverage if you own a business that is only open a few months per year or for half the year. It's common for business owners to think they'll be saving money by only getting coverage to protect their companies during seasonal peaks. But that isn't necessarily true. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesShorter-term policies are not always cheaper than annual ones, and there’s a reasonable possibility the tax you pay on a policy could increase when buying insurance for less than a year. Can You Temporarily Suspend Your Insurance Policy? Most insurance providers frown upon the notion of temporarily suspending an active policy to restart it... --- ### What Type of Insurance Do You Need for Leased Equipment? > You might be surprised to learn some types of equipment are not automatically protected by a contractor’s typical commercial property policy. Here’s what you need to know about covering tools and equipment you own, rent, lease, or borrow. - Published: 2023-01-23 - Modified: 2023-01-23 - URL: https://www.zensurance.com/blog/what-type-of-insurance-do-you-need-for-leased-equipment - Categories: Insurance - Tags: business insurance You might be surprised to learn some types of equipment are not automatically protected by a contractor’s typical commercial property policy. Here’s what you need to know about covering tools and equipment you own, rent, lease, or borrow. General contractors and builders frequently lease equipment to tackle the projects they manage, but what happens when rented gear and heavy equipment are damaged or stolen? After all, you’re responsible for returning the equipment you rent in the condition it was in when you took possession of it.  That’s what insurance for leased equipment is for: to repair or replace the mobile equipment and machinery you rent, borrow, or lease if it’s vandalized, stolen, lost, or damaged because of a fire or flood. Equipment rental companies will want to see yourcertificate of insurancethat lists them as a loss payee to ensure your lease from them is covered while their equipment is in yourcare, custody, and control. https://www. zensurance. com/wp-content/uploads/2023/01/leased-construction-equipment-. jpgYou might be surprised to learn some types of equipment are not automatically protected by a contractor’s typicalcommercial property policy. While commercial property coverage is necessary and valuable for protecting your equipment up toyour policy’s coverage limits, it only applies to equipment at a specific location (like your office or warehouse). Some mobile equipment or tools you travel with to different locations may not fall under the protection of commercial property insurance. So, for items such as bulldozers, backhoes, concrete mixers, hand tools, generators, and safety gear, you need to includetools and equipment insurancein your policy. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Is Tools and Equipment Insurance? Tools and equipment insurance – sometimes calledinland marine insurance– is essentially property coverage, but it’s designed to protect mobile equipment, machinery, and... --- ### How Much Does Commercial Property Insurance Cost? > Commercial property insurance is necessary for any small business that owns, rents, or leases a business property. Learn how it costs to protect your finances and assets, and discover ways to mitigate the risks you face. - Published: 2023-01-18 - Modified: 2023-10-10 - URL: https://www.zensurance.com/blog/how-much-does-commercial-property-insurance-cost - Categories: Insurance - Tags: business insurance, gl, golf sim Commercial property insurance is necessary for any small business that owns, rents, or leases a business property. Learn how it protects your finances and assets, and discover ways to mitigate the risks you face. As an owner, you’re responsible for a lot, including preventing loss or damage to your business property. That makes identifying possible hazards and necessary repairs as early as possible vital. It also means ensuring your business’s property insurance coverage is tailored to address the potential risks you face. Commercial property insurance covers damage and loss to business property, contents, and inventory caused by natural disasters, fires, floods, windstorms, theft, and vandalism. https://www. zensurance. com/wp-content/uploads/2023/01/Commercial-Property. jpghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Is the Average Commercial Property Insurance Cost in Canada? How muchcommercial property insurancemay cost your business depends on many factors. The primary factor, however, is the value of the building and your assets. It's wise toestablish an in-depth inventory of your physical contentsand their replacement values to know the level of coverage you need. A small business may pay between $500 and $1,000 annually for commercial property insurance, but it could be higher depending on the size of your business. What you need to insure, the property value, and how that property has been protected will be factored into your policy. Other variables include updates on buildings, neighbouring exposures, and how the property you are occupying was built. Additional factors that influence the cost of a commercial property policy include: The location of your business. If the neighbourhood where your retail store, office, or warehouse is in an area with a high number of break-ins or vandalism, or if it sits on a floodplain, your annual premium is... --- ### 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. - Published: 2023-01-16 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/how-to-become-a-personal-trainer-in-canada - Categories: Startup Tips - Tags: gym risk, how to start 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. Learning how to become a personal trainer takes more than just enjoying exercise. Like any vocation, it has a business element – it’s not just about helping others get fit. There are many things to consider if you’re looking into becoming a personal trainer in Canada, including the different types of trainers, what accreditations and certifications you may need, and what the benefits are, including how much income you can expect to make. One of the most important considerations if you are looking to become a personal trainer is whether you’ll work for someone else or go into business for yourself, as that can influence your risk and liability, as well asthe insurance coverage you will need. https://www. zensurance. com/wp-content/uploads/2023/01/PersonalTrainer. jpghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Is a Personal Trainer? A personal trainer understands physical fitness and applies that knowledge to help people achieve specific fitness goals. Your schedule as a personal trainer will fill up by working with clients one-on-one or in small groups, identifying and tracking their fitness goals, and overseeing their exercise routines to increase their flexibility, strengthen their cardiovascular capabilities, and improve their muscular endurance. A personal trainer may also provide guidance on health and nutrition plans, maintain a food journal and connect them with a nutritionist. What Types of Personal Trainers Are There? When thinking about how to become a personal trainer, consider the types of exercise that interest you and who you would like to help.  Is it people already in shape... --- ### Canadian Small Business Tax Filing Tips for 2023 > 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: 2023-01-13 - Modified: 2024-08-26 - URL: https://www.zensurance.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. Another year is almost over, and that means tax season is right around the corner. Now’s the time to start planning and getting the required documents to file your tax return before the deadline passes. Important Tax-Related Dates and DeadlinesWhen you need to file your 2022 return depends upon whether you’re self-employed or a regular employee. Here are the key dates to remember:https://www. zensurance. com/wp-content/uploads/2022/02/Woman-Filing-Taxes. jpghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories February 2023. Netfile opens for those who want to get a head start on filing. The exact day isn’t yet known as the Canada Revenue Agency (CRA) hasn’t announced the date. February 28, 2023. If you have employees, this is the last day to file their T4 slips. March 1, 2023. It’s the last day to contribute to your registered retirement savings plan (RRSP) for the 2022 tax year. Contributions to an RRSP help reduce your tax bill. March 31, 2023. Partnerships must file a partnership information return by this date. May 1, 2023. May 1 is the deadline for individuals to file their returns. It’s usually the last day of April, but it is a day later because April 30 falls on a Sunday in 2023. It’s also the due date for any money owed to the government to be paid, including those who are self-employed (even though the filing deadline is six weeks later). June 15, 2023. This deadline is for most entrepreneurs, business owners,sole proprietors, and self-employed professionals (including those with side hustles) to file... --- ### How to Cancel a Small Business Insurance Policy > If you’re thinking of switching insurance providers or cancelling a small business insurance policy, it’s a straightforward process. But there are a few steps to take, such as confirming any outstanding balances. Here’s what you need to know. - Published: 2023-01-11 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/how-to-cancel-a-small-business-insurance-policy - Categories: Insurance - Tags: business insurance If you’re thinking of switching insurance providers or cancelling a small business insurance policy, it’s a straightforward process. But there are a few steps to take, such as confirming any outstanding balances. Here’s what you need to know. As a small business owner or self-employed professional, it’s critical to have abusiness insurancepolicy to cover your expenses due to an accident or unexpected event, such as a fire that damages your workplace. However, there are times when a small business owner might want to cancel their insurance policy before it expires or it’sup for renewal. For example, you may want to switch insurance providers to get better coverage at a lower annual premium. Or if you close your business permanently and no longer require coverage. Assuming your profession or business does not legally require you to carry insurance, like an accountant or optometrist who must haveprofessional liability insurance, you can cancel an insurance policy anytime. Doing so isn’t an arduous task, but depending on how long your policy has been active, you may not receive a full refund of the unused premium. https://www. zensurance. com/wp-content/uploads/2023/01/WomanContemplating. jpghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Steps Do You Need to Take to Cancel an Insurance Policy? If you do want to cancel your policy, the steps are straightforward.  Start by speaking to your existing insurance provider or broker and find out if there is any outstanding balance owing, or how much you may receive as a refund. Inform them you wish to cancel your policy and explain why. You may be asked to sign a cancellation request form to confirm the date of cancellation. Thecancellation processwill also differ depending on your policy type and whether your liability insurance (e. g. ,... --- ### 10 Trends to Grow Your Small Business in 2023 > As they say in financial investment and stock market trading circles, ‘the trend is your friend’. Read our 10 trends for 2023 to help increase your sales and grow your small business. - Published: 2023-01-09 - Modified: 2023-07-31 - URL: https://www.zensurance.com/blog/10-trends-to-grow-your-small-business-in-2023 - Categories: Small Business Tips - Tags: business grant, business startup, fintech, hiring, zengrant As they say in financial investment and stock market trading circles, ‘the trend is your friend’. Read our 10 trends for 2023 to help increase your sales and grow your small business. Running a small business is an ever-evolving process, and time never stands still.  Sticking with the tried and true methods you know have yielded results in the past might not work as well in the future. That’s why it’s wise to consider new ideas to delight your existing customers, attract new ones, get an edge over the competition, and grow your business’s profits. Here are 10 small business trends for 2023 to think about as you map your growth strategy this year:https://www. zensurance. com/wp-content/uploads/2023/01/BusinessMeeting. jpghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 1. Layaway: The Original Way to Buy GoodsRetro is all the rage nowadays, and layaway is back. The increasingly popular option to buy now by making a deposit on an item to ‘lay it away’ and pick it up later after paying for it in full is gaining popularity with consumers.  Originally introduced during the 1930s as people suffered through the Great Depression, layaway remained a popular way to purchase goods into the 1980s.  Offering your customers the option to buy now and pay later can benefit your small business. For example, younger generations and people with poor credit are likely to use layaway. Offering your customers the option to pay in installments can encourage them to purchase more goods or services than they usually would.  CNBCfinds many retailers have embraced the methodology and are using apps like Sezzle, Affirm, and Afterpay, which offer micro-loans to consumers, allowing them to pay for their purchases in installments. While layaway is... --- ### 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. - Published: 2023-01-04 - Modified: 2023-01-17 - URL: https://www.zensurance.com/blog/9-steps-to-starting-a-home-renovation-business - Categories: Startup Tips - Tags: how to start, renovation insurance 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. It’s 2023! What better time to start a home renovation business than now? In light ofthe economic headwinds Canada is facing, you might think the demand for home renovation projects is waning. Yet, data from home improvement company HomeStars suggests otherwise.  HomeStars’2022 Reno Reportfinds homeowners spent an average of approximately $13,000 for interior renovations between March 2021 and February 2022, up from $8,300 one year earlier. Furthermore, the report states homeowners are expected to spend an average of more than $25,000 on interior renovation work into 2023. That bodes well for general contractors and others providing handyman services looking to expand their services to interior residential renovation work. https://www. zensurance. com/wp-content/uploads/2023/01/homerenovationcontractor. jpghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesIf you’re a new entrant to the home renovation industry, here are nine steps to take to build and grow a home renovation business to take advantage of the opportunity:1. Decide what renovation work you will doIn interior design and construction circles, renovation and remodelling are similar concepts that you will hear, but each has its definition and is not the same. A renovation is the work of improving or repairing a structure or refreshing and updating a living space. Often, one professional can manage a renovation project depending on its scope. Remodelling involves completely changing or adding to a structure and is often a large project that requires a team of professionals to complete. So, a home renovation project could be updating the look of a kitchen in a house, and a... --- ### Why Your Spa or Salon Needs Equipment Breakdown Insurance > Beauty businesses have a wide range of expensive equipment they need to run their businesses and help their clients relax and look their best. Protecting that equipment is essential for your business’s continuity. Here’s what you need to know. - Published: 2022-12-19 - Modified: 2023-03-02 - URL: https://www.zensurance.com/blog/why-your-spa-or-salon-needs-equipment-breakdown-insurance - Categories: Insurance - Tags: beautician, commercial general liability, equipment breakdown insurance, salon, spa Beauty businesses have a wide range of expensive equipment they need to run their businesses and help their clients relax and look their best. Protecting that equipment is essential for your business’s continuity. Here’s what you need to know. Owning and running a successful spa, salon, or another type of beauty business comes with many operating costs to consider. One of them is the cost of the necessary equipment you need. For beauty industry business owners, protecting the investments they make in the equipment they have in their personal care clinics shouldn’t be left to what an item’s warranty states. Many times, a warranty may prove insufficient if a critical piece of equipment has an electrical malfunction or stops operating properly because of internal damage, for example. That’s whenequipment breakdown insurancemakes a notable difference. https://www. zensurance. com/wp-content/uploads/2022/12/SpaSalon. jpghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Is Equipment Breakdown Insurance? Equipment breakdown insurance provides spa and salon owners with financial support if their equipment ceases to work because of mechanical or electrical failure. It is an enhancement to commercial property coverage. It’s designed to cover the costs of repairing or replacing the damaged equipment from an insurable loss. What Equipment Do Spas and Salons Have That Need Insurance? Think of all the equipment your spa or salon has. If any of that equipment is destroyed or damaged because of an internal malfunction or a power surge, you canfile a claim with a Zensurance brokerwho will represent you to ensure your insurance provider addresses it quickly.  Among the equipment this type of policy protects includes: Computers, photocopiers, phones, cash registers, and point-of-sale (POS) systems Magnifying lamps Facial steamers Wax or towel warmers and heaters Laser hair removal equipment Sterilization units Task... --- ### 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. - Published: 2022-12-14 - Modified: 2024-12-10 - URL: https://www.zensurance.com/blog/how-to-become-a-general-contractor - Categories: Startup Tips - Tags: 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. So you’re ready to ramp up your career in construction, and a general contracting business is the logical next step.  Starting a general contracting business is a rewarding and exhilarating entrepreneurial venture. The Canadian construction industry is full of opportunities for anyone wanting to strike out on their own, and with a general contracting business, the sky is truly the limit. It is a competitive and dynamic industry with several paths you can take to provide a unique service, depending on the type of construction service your company offers.  What Is a General Contractor? Simply put, a general contractor is the main puppeteer of the many goings-on of a commercial or residential building project. They manage all vendors and tradespeople, finances, communication, and safety protocols, from the conceptualization to the closure phase of a construction project. https://www. zensurance. com/wp-content/uploads/2022/12/GeneralContractor. jpghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Does a General Contractor Do? A general contractor wears many hats and is often held accountable for every aspect of a building project.  They manage the logistics of a project while working closely with the client. In addition, they often hire subcontractors, such as carpenters or electricians for specialized tasks. Juggling many balls in the air at once, general contractors are tasked with managing risks at multiple levels, such as workplace safety, property damage prevention, renting vehicles, and preventing theft, to name a few. What Skills Does a General Contractor Need? General contractors need various soft and hard skills to succeed in Canada’s... --- ### 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. - Published: 2022-12-12 - Modified: 2023-01-17 - URL: https://www.zensurance.com/blog/how-to-start-a-tutoring-business-in-canada - Categories: Startup Tips - Tags: how to start, small business, tutor, tutor insurance 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. Are you enthusiastic about education and an excellent communicator? Do you enjoy steering others toward a better understanding of complex concepts? Are you open-minded and adaptable? You can check all of the above and add deep reserves of patience, requisite time-management skills, and a dash of creativity. In that case, you may have the potential to be a successful tutor. You have been tutoring already for several years and consider yourself a specialist in several subjects. See below for tips on what you need to know to put your skills to the test and start your own tutoring business in Canada. And, importantly, to learn more about tutor insurance to protect your assets and reputation. https://www. zensurance. com/wp-content/uploads/2022/12/Tutor. jpg What Is a Private Tutor? Rather meaningfully, the word ‘tutor’ comes from the Latin tūtor, meaning to guard or defend. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesThe idea of protection is integral to the term. There is evidence to show it referred to a private teacher, usually one who teaches the younger generations individually or in small groups, as early as the 13th century. Today, tutoring is commonly known as a private and supplementary method of academic instruction and support. The expectation is that the tutor has exhaustive knowledge or demonstrated expertise in their subjects of focus. What Does a Tutor Do? As mentioned above, a tutor can play an invaluable role in a student’s learning. In addition to being the competent and accessible instructor that brings persistence and in-depth knowledge... --- ### What Is a Business Insurance Policy Limit? > A policy limit is the maximum amount of money your insurance provider will pay for an insurable loss during the policy’s term, typically a one-year period. Learn what your options are when choosing what your coverage limits should be. - Published: 2022-12-07 - Modified: 2023-07-07 - URL: https://www.zensurance.com/blog/what-is-a-business-insurance-policy-limit - Categories: Insurance - Tags: business insurance, buying insurance, policy limit A policy limit is the maximum amount of money your insurance provider will pay for an insurable loss during the policy’s term, typically a one-year period. Learn what your options are when choosing what your coverage limits should be. You have many options when purchasing a business insurance policy to help protect your company or profession from the financial implications you may face if something goes wrong. One of them is your policy’s coverage limits. A policy limit is the maximum amount of money your insurance provider will pay for an insurable loss during the policy’s term, typically a one-year period. As your overall insurance policy consists of a collection of coverages, likecommercial general liability insurance,commercial property insurance, andprofessional liability insurance, you may have individual coverage limits for each. You can find out your coverage limits byreading your policy’s declarations pageorasking one of our insurance expertsfor help reviewing the policy. https://www. zensurance. com/wp-content/uploads/2022/12/PolicyLimit. jpghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Policy Limit Options Do You Have? Most coverages have a predetermined policy limit. For instance, mostprofessional liability insurance policies for contractorsoffer a coverage limit of up to $1 million. That means if youfile a claim with your insurance providerfor damage or loss, your provider will pay up to $1 million to cover the claim. Anything above and beyond that sum is your responsibility to cover.  Also,there may be a deductibleyou have to pay before your insurance provider pays out. For example, if you file a claim for $5,000, and there’s a deductible of $1,000 on your policy, you must pay $1,000 before your insurance provider pays the balance of $4,000. Of note, the higher your deductible, the lower your annual premium may be. You can increase the amount... --- ### How to Prepare Your Small Business for a Recession > Although there’s no consensus among economists whether Canada will slip into a recession, preparing your business’s finances to endure a choppy economy now and into 2023 is the safest strategy. Here are ways to do that. - Published: 2022-12-05 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/how-to-prepare-your-small-business-for-a-recession - Categories: Finance - Tags: business grant, finance, recession, small business small business growth Although there’s no consensus among economists whether Canada will slip into a recession, preparing your business’s finances to endure a choppy economy now and into 2023 is the safest strategy. Here are ways to do that. Is Canada heading toward an economic recession? Economists don’t sound optimistic, and although there is no clear consensus among them, the general feeling is the economy is on a downward trajectory. What’s interesting is our economy is giving us mixed signals. So, if we are destined to endure a recession, the line of thought suggests it won’t be as brutal as the 2008 Great Recession. But that doesn’t mean small business owners and self-employed professionals won’t feel the pinch. On the one hand, interest rates are rising, and the Bank of Canada (BoC) is expected to continue to hike its benchmark rate in the coming months totame inflation– which was at 6. 9% in October, down from 8. 1% last July. The BoC’s current benchmark interest rate is 3. 75%, and some economists expect it to reach 4. 5% by March 2023. https://www. zensurance. com/wp-content/uploads/2022/12/Recession. jpgSo, what does this all mean for small business owners? In the least, preparing your business’s finances to endure a choppy economy now and into 2023 is the safest strategy. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Is a Recession? A recession can be defined as a period of temporary economic decline. However, it can be significant, widespread, and prolonged. Generally, two consecutive quarters (or six months) of negative gross domestic product (GDP) growth equals a recession.  Recessions typically lead to employees being laid off, poor retail sales numbers, and manufacturers reducing their output to account for less product demand. Since 1970, Canada has... --- ### What Kind of Insurance Does Santa’s Workshop Need? > Sleigh bells may jingle, but if St. Nick’s sleigh gets into a collision, or a fire ignites at his workshop, and all the toys are destroyed, the costs could ruin the festive season. Here’s an overview of the insurance protection Santa has (and what your business should have, too!). - Published: 2022-12-02 - Modified: 2022-12-02 - URL: https://www.zensurance.com/blog/what-kind-of-insurance-does-santas-workshop-need - Categories: Insurance - Tags: business insurance, small business Sleigh bells may jingle, but if St. Nick’s sleigh gets into a collision, or a fire ignites at his workshop, and all the toys are destroyed, the costs could ruin the festive season. Here’s an overview of the insurance protection Santa has (and what your business should have, too!). No small business should operate without a comprehensive insurance policy, and that includes Santa’s workshop. Sleigh bells may jingle, but if St. Nick’s sleigh gets into a collision, a fire ignites at his workshop, and all the toys are destroyed, or if one of those toys proves defective and he and his elves are facing a third-party lawsuit, the costs could upend the merriest of seasons. Here’s a quick overview of the insurance coverage Santa needs (and your small business, too) to ensure all have a good night and a happy holiday:Commercial general liability (CGL) insuranceIt’s safety first and foremost at the North Pole, but accidents can happen anytime. Therefore, Santa’s policy features CGL insurance because it covers the cost of third-party bodily injury or property damage that result from the workshop’s regular activities because of negligence or an accident.  https://www. zensurance. com/wp-content/uploads/2022/12/SantaClaus. jpgSo, if a delivery person visits the workshop to drop off supplies but they wipe out on the icy walk outside the front door and are injured, Santa’s CGL coverage may cover the injured person’s medical expenses. If that injured delivery person decides to sue for damages, Santa’s CGL policy provides him with financial support to defend himself and the compensation awarded to the plaintiff by the court. Commercial property insuranceIf Santa’s workshop was damaged by fire, flood, or a natural disaster and all his inventory was destroyed, or if the place was vandalized or thieves broke in and ransacked it, his commercial property insurance is there... --- ### 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. - Published: 2022-11-30 - Modified: 2023-01-17 - URL: https://www.zensurance.com/blog/how-to-start-an-amazon-business-in-canada - Categories: Startup Tips - Tags: Amazon sellers, how to start, product liability insurance, start a business, startup 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. If you want to make money online, starting an Amazon business is the obvious choice, but bear in mind that it is a business to be taken seriously, with all the potential risks and obligations that come with it. Figuring out how to start an Amazon business in Canada is the easy part – keeping it going when your e-commerce venture gets busy and the paperwork is where things become more time-consuming and detail-oriented.  Starting an Amazon business means listing products and ensuring you can easily process payments and get the product to the buyer – you're delivering a customer experience, not just the item they bought. https://www. zensurance. com/wp-content/uploads/2022/11/AmazonBusiness. jpgThere are many benefits to starting an Amazon business. First, however, you need to be ready for the potential pitfalls and protect yourself with the right insurance – if you'reselling goods online, you needproduct liability coverage. How to Set Up an Amazon Canada AccountIf this is your first time selling online, starting an Amazon business is straightforward because this third-party marketplace provides all the information you need.  The first step is to create an account as an individual or a professional seller. If you're serious about starting an Amazon business and selling in volume, you'll need to sign up as a professional because you're likely selling more than 30 items monthly. How Much Does It Cost to Sell on Amazon? As an individual seller, you’ll pay Amazon $1. 49 for each sale you’ll make. If you go the professional route,... --- ### How to Start an IT Business in Canada > Much like a technologist, entrepreneurship is about problem-solving. Considering our economic environment, the moment to strike out on your own may be at-hand. Here are the steps to take to bring your tech startup to life. - Published: 2022-11-25 - Modified: 2023-07-07 - URL: https://www.zensurance.com/blog/how-to-start-an-it-business-in-canada - Categories: Startup Tips - Tags: ecommerce insurance, how to start, IT business, start a business, technology business, technology insurance Much like a technologist, entrepreneurship is about problem-solving. Considering our economic environment, the moment to strike out on your own may be at-hand. Here are the steps to take to bring your tech startup to life. When challenges arise, opportunity knocks. For Canadian technology professionals, now may be the time to start an information technology (IT) business.  Regrettably, several technology companies arereducing their workforcesdue to present economic conditions and based on concerns those challenges will persist in the months ahead. Inflation in Canada remains stubbornly high at 6. 9% as of October 2022, raising costs for everything from gasoline to raw materials and food.  Regardless of industry,inflation is pressuring small businessesto make tough decisions about their finances to try to maintainhealthy profit margins. That gives IT professionals of all walks a chance to channel their entrepreneurial spirit and launch a tech startup. Much like a technologist, entrepreneurship is about problem-solving. https://www. zensurance. com/wp-content/uploads/2022/11/SoftwareDeveloper. jpgConsidering our economic environment, the moment to strike out on your own may be at-hand. But doing so successfully means strategizing and determining how to get your tech startup going. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories 7 Steps to Starting an Information Technology BusinessThere’s no single, surefire way to create a successful tech startup or IT business. Let’s face it: the odds are stacked against you. But you relish a challenge, so par for the course. Here are seven steps for entrepreneurial technologists to consider as they map a path to success:1. Identify a market needWhat problems can your tech startup solve? What kind of IT business do you want to create and grow? The possibilities are many, such as: An IT consulting business An IT support and services business Mobile app... --- ### 6 Ways to Improve Inventory Management > Your inventory is one of your company’s most valuable assets. Managing it well through seasonal peaks throughout the year is vital for inventory control. Get an overview of how you can improve your inventory management and how insurance can help protect it. - Published: 2022-11-23 - Modified: 2023-07-13 - URL: https://www.zensurance.com/blog/6-ways-to-improve-inventory-management - Categories: Small Business Tips - Tags: business contents, ecommerce, efficiency, inventory, lean waste, shipping costs Your inventory is one of your company’s most valuable assets. Managing it well through seasonal peaks throughout the year is vital for inventory control. Get an overview of how you can improve your inventory management and how insurance can help protect it. You may regard your organization’s inventory management processes as a well-oiled machine. However, reviewing your current practices, and finding ways toeliminate unnecessary productivity and item waste, can help increase your overall profit.  Your inventory is one of your company’s most valuable assets. Managing it well through seasonal peaks throughout the year is vital for inventory control to ensure you have the right balance between meeting customer demand without absorbing the cost of spoiled goods, excess storage, or the risk of theft. https://www. zensurance. com/wp-content/uploads/2022/11/InventoryMgmt. jpg What Is Inventory Management? Inventory management is the process of ordering, organizing, tracking, storing, and selling an organization’s inventory or merchandise to customers for a profit. It includes effectively managing, warehousing, and processing all of a company’s goods and raw materialsThere are several different types of inventory your organization may need to track, including: Raw materials Unfinished products Finished products Goods that are in transit Maintenance, repair, and operating supplies (MRO) goods Counting and organizing your inventory and merchandise using an advanced inventory management system helps automate your business management and demand forecasting. 3 Types of Inventory Management Using TechnologyTraditionally, warehouse and inventory managers would track their inventories with pen and paper or use computerized spreadsheets to keep tabs on ingoing and outgoing materials and finished goods. Depending on the size of your business and the amount of inventory or merchandise you store and track, those may still be worthwhile tracking methods. However, those systems are prone to human error and can be time-consuming. Advanced... --- ### 12 Classic and Innovative Ways to Grow Your Email Marketing List > Here are 12 ways to grow your list and create long-term relationships with your customers. - Published: 2022-11-21 - Modified: 2023-01-17 - URL: https://www.zensurance.com/blog/12-classic-and-innovative-ways-to-grow-your-email-marketing-list - Categories: Small Business Tips - Tags: marketing, small business growth An email marketing list is precisely what it sounds like – a list of emails owned by people who have signed up on your business’s subscribers' list. Here are 12 ways to grow your list and create long-term relationships with your customers. So you’ve set your business up for success with a captivating website and matching social media presence – but you just aren’t reaching as many people as you thought. What to do? Not only is it fast and free, but data fromInsider Intelligencesays that email marketing is the best way to engage the attention of the people seeking what your business is providing.  Email marketing helps you get into your customers' hearts and minds through their inboxes. It is an invaluable tool if you know how to use it. https://www. zensurance. com/wp-content/uploads/2022/11/EmailMkting. jpg What Is an Email Marketing List? An email marketing list is precisely what it sounds like – a list of emails owned by people who have signed up on your subscribers' list. More importantly, these are people who have taken the time to give you their email because they want to hear from you. They believe you are offering something of value and care about your perspective, service, and story. Growing your email marketing list means finding more people who are jazzed about what your business offers and creating long-term relationships with those people. Follow the 12 tips below, and you’ll be off to a great start: https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories 1. Don’t get fined All companies are required by law to comply with Canada’s Anti-Spam Legislation (CASL) regulations. Therefore, receiving implied or expressed consent from all members of your list before pressing send is a must. 2. Never underestimate the power of... --- ### What Insurance Do Acupuncture Practitioners Need? > Like all health and wellness practitioners, acupuncturists need insurance for unexpected events, accidents, and third-party personal injury and property damage claims resulting from their services. Get a primer on what coverages acupuncturists need. - Published: 2022-11-11 - Modified: 2022-11-11 - URL: https://www.zensurance.com/blog/what-insurance-do-acupuncture-practitioners-need - Categories: Insurance - Tags: malpractice insurance, medical malpractice, professional liability Like all health and wellness practitioners, acupuncturists need insurance for unexpected events, accidents, and third-party personal injury and property damage claims resulting from their services. Get a primer on what coverages acupuncturists need. All health and wellness practitioners should carry medical malpractice insurance to safeguard themselves from the many risks they face, whether they are legally required to or not. Likewise, acupuncturists, traditional Chinese medicine practices, and acupuncture clinic owners need a tailored insurance policy to protect against malpractice lawsuits and other liability claims. Acupuncture has been around for centuries, and a 2017 Fraser Institute report considered it the third-fastest growing complementary or alternative therapy in Canada after massage and yoga.  Acupuncturists assess, treat, and prevent diseases and disorders using various forms of treatment, including herbology and other holistic health approaches. https://www. zensurance. com/wp-content/uploads/2022/11/acupuncturist. jpgThough other types of health and wellness practitioners may use acupuncture as part of their treatments – chiropractors, naturopathic doctors, and massage therapists, for example – acupuncturists and traditional Chinese medicine practitioners are not regulated in all Canadian provinces. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesNevertheless, like all health and wellness practitioners, acupuncturists need coverage for unexpected events, accidents, and third-party personal injury and property damage claims resulting from their services. What Coverages Does an Acupuncture Insurance Policy Have? In general, a comprehensive acupuncture insurance policy includes: Medical malpractice insurance, also referred to as professional liability insurance, covers you for the cost of claims or lawsuits alleging negligence, misconduct, or failure to deliver a service as advertised. Commercial general liability (CGL) insuranceprotects you from the cost of third-party bodily injury or property damage claims resulting from your business’s operations and non-professional negligent acts. Commercial property insurancecovers your health and... --- ### How to Become a Registered Massage Therapist (RMT) in Canada > Read our guide on starting a career as a registered massage therapist and find out what education and hands-on experience you need, salary details, insurance considerations, and more. - Published: 2022-11-07 - Modified: 2023-01-17 - URL: https://www.zensurance.com/blog/how-to-become-a-registered-massage-therapist-rmt-in-canada - Categories: Startup Tips - Tags: how to start Read our guide on starting a career as a registered massage therapist and find out what education and hands-on experience you need, salary details, insurance considerations, and more. The demand for registered massage therapists (RMTs) is rising in Canada. According toStatistics Canada, our population’s median age is 41 years, and as our country ages, the need for RMTs will increase. In addition, with the increasing emphasis on mental wellness comes a renewed focus on complementary health and wellness treatments, including massage therapy. If you are interested in or on your way to becoming an RMT in Canada, you are entering a field at the right time as job opportunities grow. What Is a Registered Massage Therapist (RMT)? A registered massage therapist is a healthcare and wellness worker working in private practice, clinics, rehabilitation centres, extended care facilities, or hospitals. You will also find them training new RMTs in educational institutions. https://www. zensurance. com/wp-content/uploads/2022/11/RMT. jpgThey assess, treat, and prevent issues of the body’s soft tissues (muscles, lymph, skin, tendons, and ligament tissues) and joints via various degrees of pressure and manipulation.  Massage therapists are celebrated for delivering relaxation. But massage can also be central for general wellness and healing.  https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesSessions are often prescribed to patients by their doctors to reduce tension and stress levels and improve the immune system. Most issues that bring a person to see an RMT relate to pain, dysfunction, injury, disorders, and other medical conditions and illnesses. From a professional athlete with stiff joints to patients with clinical depression or suffering from the side effects of a cancer treatments, an RMT can be a crucial component to someone’s well-being... --- ### How Financial Literacy Can Help Protect Your Small Business > It’s vital for small business owners to be well-informed about finance to effectively manage and grow their businesses. November is Financial Literacy Month. Tap into these resources to up your financial management skills. - Published: 2022-11-02 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/how-financial-literacy-can-help-your-small-business - Categories: Finance - Tags: finance, financial literacy It’s vital for small business owners to be well-informed about finance to effectively manage and grow their businesses. November is Financial Literacy Month. Tap into these resources to up your financial management skills. How well your small business performs and its prospects for growth go hand-in-hand with making smart financial decisions. After all, the decisions you make can impact your bottom line. Moreover, the contributions small businesses make to the broader Canadian economy are integral to our country’s health. Considering 98% of employer businesses in Canada are small businesses employing 68% of our total private labour force, and small businesses contributed 37. 5% to our nation’s gross domestic product in 2018, how well small business ownersmanage their cash flowsbased on the financial decisions they make is of vital importance. https://www. zensurance. com/wp-content/uploads/2022/11/finlit. jpg Financial literacy is possessing the knowledge and skills you need to make informed, responsible decisions utilizing your financial resources. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJdAmong the top concerns small business owners have areinflationand rising interest rates, according to Ipsos. That’s consistent with what theZensurance 2022 Small Business Confidence Indexresults found, with 51% of respondents to our survey highlighting inflation as their greatest worry. November isFinancial Literacy Month in Canada. Championed by the Financial Consumer Agency of Canada, the annual education and awareness campaign is designed to help Canadians learn more about sound financial management. Managing a business’s finances is complex. It’s vital for small business owners, entrepreneurs, and self-employed professionals to be well-informed about finance to effectively manage cash flow, be ready to file taxes, and plan ahead by accurately predicting profits and expenses. That is why it’s worthwhile for business owners and self-employed individuals to upgrade their financial... --- ### A Guide to Selling on Depop > Get the lowdown on selling on Depop, including what you can sell online, selling fees, recommended insurance coverage, and more. - Published: 2022-10-31 - Modified: 2024-08-26 - URL: https://www.zensurance.com/blog/a-guide-to-selling-on-depop - Categories: Startup Tips - Tags: product liability, selling online Get the lowdown on selling on Depop, including what you can sell online, selling fees, recommended insurance coverage, and more. If you have an eye for fashion, a flair for recycling and upcycling, or the creativity to transform the ordinary into something extraordinary, a popular marketplace forselling your goods onlineis Depop.  And there’s no denying buying and selling stuff on Depop is popular. With more than 30 million registered users worldwide, this fashion-forward social media platform is ideal for reaching young adults looking to find their style. According to Depop, 90% of registered users are 25 or younger. What Is Depop? Depop is an app where you can sell (or buy) virtually anything to do with fashion and its offshoots. The focus is mainly on vintage, recycled, and upcycled garments, shoes, and accessories. There are new creations as well. Depop is a marketplace where sellers can set up shop online to display their goods to consumers who want to feel good about what they wear. https://www. zensurance. com/wp-content/uploads/2022/10/Depop. jpgWith Depop and other like-minded resale stores, feeling good isn’t just about looking good. It’s also about doing better for the environment by slowing the need for consumers to purchase new products. According to a Depop survey of users in the U. K. , U. S. , and Australia in 2022, nine in 10 purchases through the marketplace prevented the purchase of a brand-new item elsewhere. It's thrifting and recycling at its finest, and it's estimated that in Canada, approximately 250,000 registered Depop users are doing their part. Layer in all the other resale sites available, like Poshmark, eBay, Facebook Marketplace, and... --- ### What Is Social Engineering? > Social engineering is a technique used by hackers to manipulate people online to voluntarily provide confidential information about themselves. Learn about the different types of social engineering attacks and how to thwart them. - Published: 2022-10-26 - Modified: 2024-10-08 - URL: https://www.zensurance.com/blog/what-is-social-engineering - Categories: Cybersecurity - Tags: cyber attack, cyber liability, cybersecurity, social engineering, threat Social engineering is a technique used by hackers to manipulate people online to voluntarily provide confidential information about themselves. Learn about the different types of social engineering attacks and how to thwart them. Exploiting human weakness by tricking you or your employees into divulging confidential information is an increasingly popular form of cyber-attack.  Rather than hacking into a computer system, social engineering is akin to hacking a human. It involves deceiving you or your employees to take a specific action that permits a cybercriminal to gain access to a system or network or commit fraud or identity theft using information you voluntarily provide. As of September 30, 2022, theCanadian Anti-Fraud Centresays over $362 million has been lost to fraudulent acts.  Human error is often the weakest link in any organization’s cybersecurity defences. That’s why hackers deploy social engineering attacks: they know people are vulnerable to being duped into giving away sensitive data. https://www. zensurance. com/wp-content/uploads/2022/10/socialengineering. jpg Within the context of information security, social engineering is a technique used by hackers to manipulate people online to voluntarily provide confidential information about themselves or their organizations in good faith, such as passwords and banking information. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts 8 Common Social Engineering AttacksThe term ‘social engineering’ in information security encompasses a wide range of malicious online attacks. Here are eight of the most common ones to be on the lookout for:1. Phishing Phishingis one of the most prominent and successful email attacks that involves sending a fraudulent message from what appears to be a reputable source to dupe a recipient into sharing their personal or financial information. Phishing attacks can also deploy malicious software to a company’s computing infrastructure and launch a... --- ### How to Identify and Eliminate 7 Types of Waste in Your Small Business > The principles of lean management apply to almost every type of business or industry. It aims to improve your operational efficiency by eliminating waste across your internal processes. It may also help you keep your insurance premium low. Here’s what you should know. - Published: 2022-10-21 - Modified: 2023-07-13 - URL: https://www.zensurance.com/blog/how-to-identify-and-eliminate-7-types-of-waste-in-your-small-business - Categories: Small Business Tips - Tags: business contents, efficiency, inventory, lean management, shipping costs The principles of lean management apply to almost every type of business or industry. It aims to improve your operational efficiency by eliminating waste across your internal processes. It may also help you keep your insurance premium low. Here’s what you should know. Finding ways to lower your expenses and increase profitability while growing your business comes part and parcel with being a small business owner. That’s particularly true when economic headwinds may pose a fiscal drag on your finances. Asmanaging a small business’s cash flowis always a primary concern for owners and entrepreneurs, one way to give yourself an edge is to step back and take a hard look at how to eliminate wasteful activities in your company. Enter the methodology referred to as ‘lean thinking’ or ‘lean management’. It may be the framework your company needs to rearrange how you do what you do. For startups and growing businesses, by applying lean thinking principles, it allows you to focus on the things that you’re good at and develop them before gradually adding new services to your business. https://www. zensurance. com/wp-content/uploads/2022/10/leanmanagementinventory. jpg What Is Lean Management? Lean management is a means of promoting and supporting the notion or concept of ‘continuous improvement’. It’s a system to achieve incremental but necessary improvements to enhance your small business’s efficiency. At its core, lean management endeavours to increase customer value by optimizing your company’s internal processes. Lean management focuses on enhancing your business's work processes based on production principles established by the Toyota Motor Corporation. Though it originated in automotive manufacturing, lean management can apply to almost every industry, including software development, construction, hospitality, retail and more. Lean management aims to add value to your organization by developing and respecting your employees, rooting out potential... --- ### What Is a Business Insurance Exclusion? > All commercial insurance policies contain exclusions. Get an overview of what an exclusion is and understand what it is you’re covered for and what’s not covered by your policy. - Published: 2022-10-05 - Modified: 2023-08-17 - URL: https://www.zensurance.com/blog/what-is-a-business-insurance-exclusion - Categories: Insurance - Tags: business owner, commercial general liability, commercial property, small business All commercial insurance policies contain exclusions. Get an overview of what an exclusion is and understand what it is you’re covered for and what’s not covered by your policy. Small business insurance policies help business owners and self-employed professionals reduce risk and provide financial support if they suffer damage or loss. But an insurance policy can’t cover you for everything, which is why insurance providers have exclusions written into a policy. Exclusions can come in many forms, and some are broad and non-negotiable. For example, your commercial property insurance may exclude coverage for certain perils like earthquakes or losses resulting from intentional criminal actions or fraudulent acts bythe insured. In other words, the exclusions in your policy outline what damages or losses your insurance provider will not cover. Therefore,if you file a claimbecause of damage or loss for an item or event excluded from your policy, your provider will not pay that claim. https://www. zensurance. com/wp-content/uploads/2022/10/Manatdesk. jpg A business insurance exclusion is a provision that removes your coverage for certain risks, hazards, or events and outlines what is not covered by your policy. They are designed to help keep the price of premiums affordable. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Why Do Insurance Policies Contain Exclusions? Insurance providers have exclusions in a policy because they can’t pay every claim regardless of what it is or how it happened, or that insurance provider could become insolvent. Exclusions are designed to help keep the cost of premiums down. Otherwise, the price of insurance would be prohibitively high. Some examples of why an insurance provider may exclude something from a policy are: Too much risk: If your commercial property is on... --- ### What Is Business Tenant Insurance? > Sometimes called commercial tenant insurance or tenant legal liability, business tenant insurance covers the cost of claims or lawsuits related to your company’s regular activities. Here’s what you need to know. - Published: 2022-09-30 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/what-is-a-business-tenant-insurance - Categories: Insurance - Tags: business owner, cancel policy, commercial general liability, commercial property, landlord, small business Sometimes called commercial tenant insurance or tenant legal liability, business tenant insurance covers the cost of claims or lawsuits related to your company’s regular activities. Here’s what you need to know. You’ve been eyeing an available retail storefront, office, or warehouse to rent or lease that meets your small business’s needs and inquire about it. As you review the lease terms, you discover it states you must have a valid business tenant insurance policy. That’s not unusual. A commercial property landlord typically requires any small business owner who wishes to rent or lease their space to carry what’s known as abusiness tenant insurancepolicy. This policy is designed to pay for damage or loss to a rented space that a business tenant causes. Essentially, it protects both you as the lessee and the property owner. Sometimes called commercial tenant insurance or tenant legal liability, it’s a form of commercial general liability (CGL) insurance that effectively covers the cost of claims or lawsuits related to your company’s regular activities. Some insurance providers may include tenant legal liability in a CGL policy, but not always. It can be purchased as a standalone policy. https://www. zensurance. com/wp-content/uploads/2022/09/biztenant. jpg Business tenant insurance, also called commercial tenant insurance or tenant legal liability insurance, is a type of general liability coverage for small business owners who rent or lease a commercial property. It covers them for the cost of damages to the property they rent or lease. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Why Does a Business Tenant Insurance Policy Matter? The landlord or property owner you lease a commercial space from will want to know you’re insured against liabilities ranging from third-party bodily injuries and property... --- ### What Is Wrap-Up Liability Insurance? > Running or working on a large construction project? A wrap-up liability insurance policy can adequately address your risk exposures. Get the lowdown on what a wrap-up policy is and how it can protect your project and team. - Published: 2022-09-26 - Modified: 2022-12-06 - URL: https://www.zensurance.com/blog/what-is-wrap-up-liability-insurance - Categories: Insurance - Tags: construction, contractor, general contractor, renovation, subcontractor, tools and equipment, tradesman Running or working on a large construction project? A wrap-up liability insurance policy can adequately address your risk exposures. Get the lowdown on what a wrap-up policy is and how it can protect your project and team. If you are a general contractor running or working on a large construction project or the property owner overseeing a large project, getting a wrap-up liability insurance policy can adequately address your liability risks and put your mind at ease. That’s because a wrap-up liability policy is more efficient and ensures everyone working on a project is protected by one policy versus having to check every subcontractor or other contractor involved to ensure they have their own coverage. They are called ‘wrap-up’ insurance policies because they cover multiple parties by bundling several policies into one. https://www. zensurance. com/wp-content/uploads/2022/09/wrapupliability. jpg Wrap-up liability insurance is designed to protect general contractors, subcontractors, and others such as owners, engineers, and architects working on large construction projects with an all-encompassing policy covering their third-party and general liability exposures. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Contractor-Controlled Insurance or Owner-Controlled Insurance? There are two kinds of wrap-up liability insurance policies: a contractor-controlled policy and an owner-controlled policy.  Contractor-controlled wrap-up liability insurance is purchased by the general contractor leading the project, and it extends protection to all contractors and subcontractors hired to work on the project. Similarly, an owner-controlled wrap-up liability policy covers all the contractors involved in a construction project, but it is bought by the owner of the property.  One more wrinkle to iron out: the property owner and the general contractor can jointly purchase a wrap-up policy, making it a partner-controlled insurance policy. The difference is the sponsors of a partner-controlled policy share the... --- ### How Does Inflation Affect Small Businesses? > Although Canada’s annual inflation rate cooled slightly from a high of 8.1% in June, core inflation has yet to peak, economists warn. Here’s how small businesses can manage the impact of inflation on their bottom lines. - Published: 2022-09-23 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/how-does-inflation-affect-small-businesses - Categories: Finance - Tags: business grant, expenses, finance, inflation, profit margin, recession Although Canada’s annual inflation rate cooled slightly from a high of 8.1% in June, core inflation has yet to peak, economists warn. Here’s how small businesses can manage the impact of inflation on their bottom lines. Although supply chain disruptions are reportedly easing and lower commodity prices are cooling Canada’s consumer price index (which represents changes in prices affecting consumers), the spectre of inflation continues to loom large. Inflation impacts everything from the cost of gasoline to food. And like consumers, small businesses feel the effects of inflation as their inventory prices rise, sales dip, and our currency weakens against the U. S. dollar. Statistics Canada says the inflation rate hit 8. 1% in June – the largest increase since 1983 – but cooled slightly to an annual rate of 7% in September, largely because gasoline prices fell by 9. 6% in August. However, aRoyal Bank of Canadareport warns that core inflation (which the Bank of Canada uses to gauge year-over-year rate changes in the cost of goods and services, excluding food and energy) has not yet peaked. In other words, we’re not out of the woods yet. https://www. zensurance. com/wp-content/uploads/2022/09/Money. jpgMeanwhile, according to the Canadian Federation of Independent Business’s (CFIB) latestbusiness barometer poll, only 32% of businesses say they’re in good shape, and 20% are in bad shape, while more than 60% are grappling with debt they took on during the pandemic. The ravages of spiking inflation are compounding the challenges business owners face. CFIB notesthat in the past 12 months, nearly eight in 10 small business owners (79%) raised their prices more than they usually would, and 32% plan to hike their prices by 6% or more in the next 12 months. https://www. zensurance.... --- ### Small Business Hiring Guide: Interview Dos and Don'ts > It costs business owners money to hire new employees. How can you keep costs down and find the right fit for your organization? Follow our interviewing tips and streamline your hiring process. - Published: 2022-09-21 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/small-business-hiring-guide-interview-dos-and-donts - Categories: Small Business Tips - Tags: business grant, employees, hiring, hiring tips, small business growth, tone of voice It costs business owners money to hire new employees. How can you keep costs down and find the right fit for your organization? Follow our interviewing tips and streamline your hiring process. Small business owners are like a Swiss army knife in that they do pretty much everything. One minute they’re the business owner or CEO making a big decision, the next they’re the lead salesperson, bookkeeper, marketer, and receptionist. But as any small business owner knows, as your business grows and you acquire more customers, you need help. Furthermore, you may need help finding the right kind of help. After all, nothing can affect your company more than the people you hire to serve your customers and essentially serve as an extension of your brand. Moreover, it costs business owners money to hire new employees. According to the Society for Human Resource Management, the average cost to hire an employee is $4,129, and it takes about 42 days to fill an open position (depending on the type of role and wage or salary). The cost grows the longer it takes you to hire the ideal candidate. https://www. zensurance. com/wp-content/uploads/2022/09/interview. jpgNow, that’s a conundrum! You need to hire help because you’re incredibly busy, but you have to find the time to interview applicants and assess who’s best for the job you need filled, while trying to keep costs down. So, what to do? https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesAssessing candidates during an interview can be challenging. Creating and asking technical questions are key to determining if a candidate has the skills and expertise to perform their duties. Behavioural questions play an equally important role to determine the work habits, communication styles,... --- ### How to Resolve Angry Customer Complaints > Every business has to deal with angry customers from time to time. Showing empathy and making an effort to resolve the situation is vital for preserving your business’s reputation. Here are ways you can do that. - Published: 2022-09-19 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/how-to-resolve-angry-customer-complaints - Categories: Small Business Tips - Tags: customer liability, customer service, Email marketing, gym risk, marketing, tone of voice Every business has to deal with angry customers from time to time. Showing empathy and making an effort to resolve the situation is vital for preserving your business’s reputation. Here are ways you can do that. You can’t make every customer happy. Some are difficult to please, while others may feel wronged. They may take out their frustrations on you or your employees in person or on a review site. Either way, you should try your best to resolve customer complaints. There are many ways to deal with a customer complaint. Here are just a few options:Respond quicklyTime is of the essence. Your customer has a problem and wants it resolved. While some complaints are made over the phone, in person, or through email, some may be posted on your Google business profile or social media accounts. You may have spent a lot of timecreating a social media strategyand setting up those accounts, but you don’t check them as often as you like. You should also monitor social media to see if anyone has posted something without mentioning your handle. https://www. zensurance. com/wp-content/uploads/2022/09/angrycustomer. jpg Listen to themSometimes people just want to be heard. They feel wronged and want a response. If you don’t respond, that can make customers even angrier if you or your staff don’t try to provide an answer. Sometimes you can take the conversation offline and offer to call them to solve the problem, leaving that part of the conversation out of the public domain if you have to beg for their forgiveness. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories Stay calmWhen someone’s yelling at you, it can make your blood boil, andyou may be tempted to raise your voice or take on... --- ### Asbestos Insurance: Does Your Business Need It? > Insurance for asbestos exposure and other pollutants should not be taken lightly. It’s critical to understand the different types of asbestos, where asbestos has been used, and who needs asbestos insurance coverage. - Published: 2022-09-16 - Modified: 2022-12-06 - URL: https://www.zensurance.com/blog/asbestos-insurance-does-your-business-need-it - Categories: Insurance - Tags: asbestos, construction, contractor, liability, renovation, tradesman Insurance for asbestos exposure and other pollutants should not be taken lightly. It’s critical to understand the different types of asbestos, where asbestos has been used, and who needs asbestos insurance coverage. Asbestos is no longer used in building construction. However, it can still rear its ugly head during renovations or demolitions – you need protection from its poisonous effects, and you may be surprised where else you might find it. Asbestos insurance coverage, usually included with insurance products such ascontractors' pollution liability insurance, protects contractors against the risks and environmental liabilities associated with exposure to pollution. That includes asbestos while working on a covered job site and other workers likely to encounter it. Insurance coverage for asbestos exposure and other pollutants should not be taken lightly, and it’s essential to understand the different types of asbestos, where asbestos has been used, and who needs asbestos insurance coverage. Asbestos Used to Be Used EverywhereThere are six types of asbestos. Even though it became a heavily regulated substance more than 30 years ago – it’s beenbanned in Canada since 2018– the hazardous material still accounts for abouta third of Canadian workplace deaths. Moreover, it has caused roughly 500 mesothelioma deaths annually in Canada since 2010. That's a compelling argument for asbestos insurance coverage. https://www. zensurance. com/wp-content/uploads/2022/09/asbestos. jpghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesThe different types of asbestos vary by colour and use: Chrysotile asbestos– sometimes known as white asbestos – was the most used type of asbestos and ended up in roofs, ceilings, walls, and floors, as well as the brake linings, pads, and gaskets of vehicles. Crocidolite asbestoswas blue and frequently used in insulation for steam engines and piping, along with spray-on... --- ### 5 Ways to Get Social Media ROI for Your Small Business > Social media offers small businesses and self-employed professionals an affordable and direct means of communicating with their existing customers while attracting new business. But how do you know if your efforts are working? Here’s what you should know. - Published: 2022-09-09 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/5-ways-to-get-social-media-roi-for-your-small-business - Categories: Small Business Tips - Tags: Email marketing Social media offers small businesses and self-employed professionals an affordable and direct means of communicating with their existing customers while attracting new business. But how do you know if your efforts are working? Here’s what you should know. Love it or not, social media is a vital part of your small business’s marketing efforts. These interactive communications technologies – Twitter, Facebook, YouTube, Instagram, Pinterest, LinkedIn and others – have changed how companies, customers, and the wider world communicate. And Canadians are among the most active social media users. According toStatista, after email and online banking, social media is the third most popular online activity among Canadians, with an estimated 34. 47 million users and a network penetration rate of 89% as of mid-2022. That makes Canada one of the world’s most connected online populations. Social media is also indispensable since it offers small businesses and self-employed professionals an affordable and direct means of communicating with their existing customers while attracting new business. Furthermore, an estimated 69% of Canadian social media users use one or more social channels daily, and 16% use them several times a week. https://www. zensurance. com/wp-content/uploads/2022/09/socialmedia. jpgThese technologies can help you grow your brand awareness, research competitors, enhance customer service, promote your products and services, and potentially drive new sales. But how do you determine if your social media marketing efforts are working? The answer begins with understanding your social media return-on-investment (ROI). https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Is Social Media ROI? Your social media ROI measures your actions on the various social media channels you use to create value for your business and understand if the investments you’re making in it (money, resources, time) are worthwhile. It can be weighed by... --- ### Do Consultants Need Business Insurance? > The advice and services independent consultants provide to their clients can be misinterpreted or fall short of expectations, leading to a claim of negligence or even an expensive lawsuit. Find out how insurance can help protect your consultancy. - Published: 2022-09-07 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/do-consultants-need-business-insurance - Categories: Insurance - Tags: consultant The advice and services independent consultants provide to their clients can be misinterpreted or fall short of expectations, leading to a claim of negligence or even an expensive lawsuit. Find out how insurance can help protect your consultancy. Professional consultants are always in high demand across a wide range of industries, including strategy, business operations, financial, human resources, and technology consulting. Working on a contract-by-contract basis allows these knowledgeable troubleshooters to determine which clients to provide their expert advice and professional services to while growing their businesses – and there are plenty of opportunities to do so. For instance, management consulting is one of the largest industries worldwide, worth an estimated $16. 9 billion in 2022. According to an online survey of Canadian certified management consultants by research firm Nanos, 54% expect market demand for management consulting to increase in 2022 compared to demand before the pandemic, 38% expect it to stay the same, and 8% think demand will decrease this year. https://www. zensurance. com/wp-content/uploads/2022/09/consultants. jpg Many of these independent professionals launch their own consultancies. Despite all the upsides of earning a living as a consultant-for-hire, the territory is highly competitive. It does come with risks and drawbacks, regardless of the type of consulting services you offer. After all, the advice and services you provide to your clients can be misinterpreted or fall short of expectations, leading to a claim of negligence or even an expensive lawsuit. With no large employer and legal team backing you up, you're on your own safeguarding your business, finances, and reputation. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Risk Management for Consultants: What Insurance Do Consultants Need? The policy you need to cover your assets depends on multiple factors insurance providers consider, including... --- ### How to Become a Freelance Writer > Becoming a freelance writer means you’re a self-employed professional who writes articles and other forms of content for a variety of different clients. It can be a rewarding career, but you need to treat it like a business. Here’s what to do. - Published: 2022-08-31 - Modified: 2022-10-26 - URL: https://www.zensurance.com/blog/how-to-become-a-freelance-writer - Categories: Startup Tips - Tags: freelance insurance, freelance liability insurance Becoming a freelance writer means you’re a self-employed professional who writes articles and other forms of content for a variety of different clients. It can be a rewarding career, but you need to treat it like a business. Here’s what to do. To succeed as a freelance writer, you must have a small business owner’s mindset. Starting a freelance writing career is not that different from starting any business – you must convince people the product you produce is worth paying for, including any written content. Many rewards come with learning how to become a freelance writer, but there's also risk. Inevitably, you will make mistakes, but there are some straightforward dos and don'ts to keep in mind when starting a freelance writing career. https://www. zensurance. com/wp-content/uploads/2022/08/freelancewriter. jpg What Is a Freelance Writer? Becoming a freelance writer means you’re aself-employed professionalwho writes articles and other forms of content for a variety of different clients, whether they are publishers or private companies. The more versatile and diverse a writer you are, the more likely you will have a broad range of clients in various industries. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories What Does a Freelance Writer Do? Aside from writing, freelance writers interview people to gather information, conduct research, and manage clients. You'll also need good organizational skills since you're your project manager, and you’ll need to be mindful oftracking your income and expenses to serve as your own bookkeeper. What Kind of Freelance Writers Are There? When starting your freelance writing career, decide what type of writing interests you. Is it long-form feature writing for magazines? Copy for brochures to help companies with their marketing? Ghostwriting blogs for company executives? Do you want to write about health, finances, or food? Your... --- ### How to Start a Daycare Business > If you have a passion for raising children and are looking for a lucrative business opportunity, opening a daycare business can be a rewarding option. Read our guide on how you can get started. - Published: 2022-08-29 - Modified: 2023-07-04 - URL: https://www.zensurance.com/blog/how-to-start-a-daycare-business - Categories: Startup Tips - Tags: daycare insurance, how to start, tutor If you have a passion for raising children and are looking for a lucrative business opportunity, opening a daycare business can be a rewarding option. Read our guide on how you can get started. Starting your own daycare business can be both emotionally and financially satisfying. It may be your passion for children driving you or an entrepreneurial mindset identifying a rewarding career and stable source of profit. Regardless, opening a daycare in Canada is smart. There is a perpetual need for daycare in Canada, and if other correlated indicators remain consistent, that is not expected to change. According toStatistics Canada, in early 2022, over half (52%) of Canadian children younger than six years old were in licensed or unlicensed childcare, making it a potentially lucrative business. And the future looks bright! The federal government is investing in helping Canadian families afford the cost of living and ensure every child has the best start in life. Its strategy includes a five-year plan to provide parents with $10-a-day (average) regulated childcare for children under age six. That includes a 50% reduction in average fees by the end of 2022. https://www. zensurance. com/wp-content/uploads/2022/08/daycarebusiness. jpgTheCanada-wide Early Learning and Child Care Planaims to build a community-based early learning and childcare system to improve access to high-quality, affordable, flexible and inclusive early learning and childcare. It has a community effect, as reasonably priced childcare is estimated to raise real GDP by as much as 1. 2% over the next two decades. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What Are the Benefits of Starting a Daycare? Starting your own daycare business allows you to combine the enriching feeling of spending time and having a hand in developing the... --- ### What Is Product Recall Insurance? > Retailers (online and offline) are responsible for the products they sell or distribute, including faulty products. And managing a product recall is not inexpensive. Here’s how product recall insurance can help. - Published: 2022-08-26 - Modified: 2023-07-13 - URL: https://www.zensurance.com/blog/what-is-product-recall-insurance - Categories: Insurance - Tags: business contents, ecommerce, lean waste, product liability insurance, retail insurance, shipping costs Retailers (online and offline) are responsible for the products they sell or distribute, including faulty products. And managing a product recall is not inexpensive. Here’s how product recall insurance can help. They happen often and much to the chagrin of retailers, independent sellers, and their customers when they do: a product recall. They can happen for a variety of reasons for any item that’s sold to consumers. For example, an electronics product that overheats due to faulty wiring or a battery, food contaminated by salmonella, or poorly manufactured toys and other household items that pose a risk to children. For example, you may recall (no pun intended) that in 2016 Samsung had to discontinue manufacturing and recall 2. 5 million Galaxy Note 7 smartphones after some of the sold units burst into flames because of overheating batteries. That event cost Samsung an estimated $5. 3 billion. https://www. zensurance. com/wp-content/uploads/2022/08/DamagedPhone. jpgRetailers (online and offline) are responsible for the products they sell or distribute, including faulty products. And managing a product recall is not inexpensive. There are customer notification, shipping, disposal costs, and expenses related to reimbursing your customers or replacing the recalled product in question. That’s when product recall coverage within aretail insurance policycan be a saving grace. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories How Product Recall Insurance Helps Retailers Save Face (and Money)Product recall insurance reimburses business owners from financial losses sustained when a product is recalled, whether the government or a manufacturer orders that recall after discovering a defect. A business owner may face bankruptcy if they don’t have product recall coverage since small businesses can’t afford to absorb substantial financial losses – especially if they’re named in a... --- ### Why Home Inspectors Need Errors and Omissions Insurance > Home inspectors face a significant amount of risk. Everything they say and do for their clients can influence a homebuyer’s decision-making. Get the lowdown on why inspectors should protect their businesses and finances with insurance. - Published: 2022-08-19 - Modified: 2023-01-13 - URL: https://www.zensurance.com/blog/why-home-inspectors-need-errors-and-omissions-insurance - Categories: Insurance - Tags: e&o claims, errors and omissions insurance, home inspector insurance, professional liability insurance Home inspectors face a significant amount of risk. Everything they say and do for their clients can influence a homebuyer’s decision-making. Get the lowdown on why inspectors should protect their businesses and finances with insurance. Residential homebuyers who wish to avoid unpleasant surprises after purchasing a new abode typically turn to home inspectors to thoroughly inspect a property before signing on the dotted line, and for a good reason. Skipping a home inspection could result in much regret after the purchase, costing a homeowner thousands of dollars in unplanned expenses. For example, if they weren’t aware of the cracks in the building’s foundation that could lead to the basement flooding. The frenzied buying action of the formerly red-hot housing market prompted many homebuyers to not bother getting an inspection of the place they bought – it’s estimatedless than 25%of all home sales in Ontario in 2021 had a home inspection. Although the home inspection industry may be facing a downturn presently, the recent formation of a national industry coalition by the Canadian Home Inspectors for Consumers association aims to educate the public on the importance of home inspections to help protect them from unknown risks. https://www. zensurance. com/wp-content/uploads/2022/08/homeinspector. jpgLikewise, home inspectors face a significant amount of risk. For instance, there may be something they miss during an inspection that winds up costing a homeowner big bucks. That mistake can lead to an irate homeowner launching a lawsuit seeking compensation, which is why ahome inspector insurancepolicy that includes errors and omissions (E&O) coverage is vital. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts Categories The Risks Home Inspectors FaceEven if you do everything right, home inspectors may still face the possibility of allegations of negligence or a lawsuit.... --- ### Can a Customer Liability Waiver Protect Your Small Business? > Eliminating all the risks your business faces are nearly impossible. However, it is possible to minimize and manage them. Learn about customer liability waivers and whether they can help shield you from third-party bodily injury claims or lawsuits. - Published: 2022-08-17 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/can-a-customer-liability-waiver-protect-your-small-business - Categories: Small Business Tips - Tags: liability waiver Eliminating all the risks your business faces are nearly impossible. However, it is possible to minimize and manage them. Learn about customer liability waivers and whether they can help shield you from third-party bodily injury claims or lawsuits. No matter what your business does, it’s fair to say eliminating all the risks you face is almost impossible. However, it is possible to minimize and manage them. Although they may not apply to all kinds of businesses, one way to do that is by using customer liability waivers. Liability waivers – sometimes called accident release forms – may help reduce any third-party bodily injury, property damage, or negligence lawsuits targeting your small business. And the risk of a small business being sued is more significant than you think. Statistics Canada data shows almost700,000 civil court cases went to trial in 2021. Estimates suggest half of all Canadian civil lawsuits are brought against small business owners annually. https://www. zensurance. com/wp-content/uploads/2022/08/WaiverSign. jpg What Is a Customer Liability Waiver? A customer liability waiver is usually a one- or two-page contract that’s considered to be a legally binding agreement between your business and customers that you ask them to sign. It can release you and your organization from all legal responsibility if the signee is injured or harmed by participating in a specific activity. For example,a fitness instructor who’s leading an exercise classat a gym may ask their customers to sign a liability waiver. By signing it, the customer acknowledges there's a risk of personal injury, illness, loss of life, or risk damage to or loss of personal property from participating in a class that features lifting heavy weights and other physical activity. In addition, they agree not to hold the instructor or... --- ### What Is SME Insurance? > Considering how important SMEs are to the Canadian economy and their respective communities, it’s vital those organizations focus on emergency preparedness and have an SME insurance policy to protect their assets. Here’s what you should know. - Published: 2022-08-08 - Modified: 2022-10-26 - URL: https://www.zensurance.com/blog/what-is-sme-insurance - Categories: Insurance - Tags: freelance writer, tutor insurance Considering how important SMEs are to the Canadian economy and their respective communities, it’s vital those organizations focus on emergency preparedness and have an SME insurance policy to protect their assets. Here’s what you should know. Small- and medium-sized enterprises (SMEs) are a big deal to the Canadian economy that powers our country’s prosperity. Thefederal governmentdefines an SME as a business establishment with one to 499 paid employees. There were 1. 22 million employer businesses in Canada as of December 2020, and among them, nearly 98% (1. 2 million) are considered small businesses, almost 2% (22,725) are medium-sized companies, and 0. 2% (2,936) are large businesses. Moreover, over half (55%) of Canadian SMEs are considered “micro-enterprises” (businesses with fewer than four employees). Considering how important SMEs are to the Canadian economy and their respective communities, it’s vital those organizations focus onemergency preparednessand have an SME insurance policy to protect their assets and survive the financial fallout of a fire, flood, accident, or third-party lawsuit. In addition to helping mitigate risk, business insurance can increase your organization’s credibility with customers, partners, and financial lenders. https://www. zensurance. com/wp-content/uploads/2022/08/SmallBizOwner. jpgAlarmingly,a recent Zensurance surveyof Canadian small business owners and self-employed professionals finds that 40% of respondents say they don’t have a business insurance policy. What Does an SME Business Insurance Policy Cover? SME insurance protects a business’s assets, operations, net worth, and reputation. In general, a comprehensive SME insurance policy will feature several coverages. Determining the coverages your business needs depends on many factors, including what kind of business yours is and the products and services you provide. For instance, a retail business may face multiple risks and require a policy that protects their merchandise, property, and equipment and safeguards... --- ### Do I Need Insurance for My Shopify Retail Store? > Whether you’re launching a new online retail business or extending your brick-and-mortar operations to the internet using Shopify, here’s why you should consider protecting yourself with insurance. - Published: 2022-08-05 - Modified: 2023-04-10 - URL: https://www.zensurance.com/blog/do-i-need-insurance-for-my-shopify-retail-store - Categories: Insurance - Tags: product recall Whether you’re launching a new online retail business or extending your brick-and-mortar operations to the internet using Shopify, here’s why you should consider protecting yourself with insurance. It’s estimated more than 1. 75 million businesses worldwide rely on Shopify to sell their products, including over 95,000 Canadian online businesses. And according to Statistica, Shopify is the e-commerce platform leader in Canada, with a 36% market share. The e-commerce platform provider may be well on its way to fulfilling its goal of becoming the world’s first global retail operating system. Whether you’re launching a new online retail business or extending your brick-and-mortar operations to the internet, choosing Shopify as your e-commerce platform may be a sound choice. https://www. zensurance. com/wp-content/uploads/2022/08/ecommerceshopping. jpg What Is Shopify? Shopify is an Ottawa-based all-in-one e-commerce platform provider that hosts online stores for a broad range of businesses and independent sellers. It is considered the go-to platform for everyone from part-time home-based sellers and startups to large, established organizations. Whether you use the platform to sell goods online through your store’s website or offline using the Shopify POS (point-of-sale) app, the subscription-based platform makes setting up a digital retail store simple. It allows small business owners to sell physical and digital products or both. https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesA free 14-day trial available when starting out on Shopify allows you to build an online store and start selling. After that, you must choose apricing plan: Basic ($38 per month; recommended for new e-commerce startups), Shopify ($99 per month), or Advanced ($389 per month). There’s also a Starter plan for $7 a month that allows you to sell goods through social media... --- ### Majority of Canadian Small Businesses Confident Despite the Pandemic: Survey > The Zensurance Canadian Small Business Confidence Index finds that 60% of business owners are confident they will be successful over the latter half of 2022, though nearly 50% say their revenue was down or about the same in the first six months of the year compared to the first half of 2021. - Published: 2022-07-29 - Modified: 2022-12-06 - URL: https://www.zensurance.com/blog/majority-of-canadian-small-businesses-confident-despite-the-pandemic-survey - Categories: Insurance - Tags: commercial insurance, recession, self-employed insurance, small business insurance The Zensurance Canadian Small Business Confidence Index finds that 60% of business owners are confident they will be successful over the latter half of 2022, though nearly 50% say their revenue was down or about the same in the first six months of the year compared to the first half of 2021. Although the COVID-19 pandemic continued to impact small business owners’ revenue in the first half of 2022, data from Zensurance’s inauguralCanadian Small Business Confidence Indexsurvey finds a majority of business owners and self-employed professionals feel good about their prospects. According to the survey, 46% of respondents say their revenue was either down or about the same in the first six months of 2022 compared to the first half of 2021. However, 60% say they are confident their businesses will be successful over the latter half of this year. When asked how much of an impact the pandemic has had on their businesses or professions since the start of 2022, 36% say it had a moderately negative impact, 21% say it significantly impacted them, and 31% claim it had little or no impact whatsoever. However, for a few, the pandemic has given their businesses a boost. Almost 7% say it had a moderately positive impact and nearly 4% say it had a significantly positive effect. https://www. zensurance. com/wp-content/uploads/2022/07/Surveysays. jpghttps://www. zensurance. com/wp-content/uploads/2022/07/BCISurvey_Question3. pngAlthough most respondents to the Zensurance survey are upbeat about their prospects, slightly more than 52% admitted their businesses could not afford to take on more debt to fund necessary projects or initiatives. Meanwhile, 29% say they can afford to take on more debt in 2022, and nearly 18% say they’re not sure. What’s Spooking Small Business Owners CurrentlySurvey respondents were also asked what issues or concerns they have as they look ahead to the second half of the year.... --- ### How to Start a Restaurant Business > Licking your chops at the thought of opening your own restaurant or food business? Check out our handy guide on how you can get started. - Published: 2022-07-27 - Modified: 2022-10-26 - URL: https://www.zensurance.com/blog/how-to-a-restaurant-business - Categories: Startup Tips - Tags: business insurance, commercial insurance, food truck, how to start, restaurant business Licking your chops at the thought of opening your own restaurant or food business? Check out our handy guide on how you can get started. So, you want to start a restaurant business in Canada? You have already been told it’s considered a high-risk enterprise. You’ve heard Canada’s food retail and service industry is challenging. But like many small business entrepreneurs, you want to be part of it! And Canadians love eating in restaurants. So much so that between 2006 and 2016, restaurant sales rose by 50%, while the population grew by only 11. 4%. The COVID-19 pandemic caused restaurant sales to take a severe downward spiral due to social distancing measures and caution in public places, and many restaurants closed. Pivoting to delivery, pickup, and meal-in-a-box solutions did help, but the industry is still recovering when consumers were forced to dine out less. Pre-pandemic more than half of Canadians ate out once a week or more. https://www. zensurance. com/wp-content/uploads/2022/07/restaurantowner. jpgThere is promising news, however. If you're considering opening an eatery in the not-too-distant future, your timing may be spot on since Canada's food service industry is anticipated to return to pre-pandemic levels in 2023. Commercial food service sales are projected to increase to more than $97. 5 billion by 2026, riding the wave of a rebound in spending. What Kind of Restaurant Should You Start? There’s much to think about, such as the type of food you want to serve, at what price point, and how you want people to be served. We’ll address serving styles in the next section, but here are some common restaurant concepts that you may want to consider:   Gourmet... --- ### What Is Commercial Insurance? > Get an easy-to-read overview of commercial insurance, the protection it provides, and why every small business owner, entrepreneur, and self-employed professional should have a policy. - Published: 2022-07-25 - Modified: 2023-07-10 - URL: https://www.zensurance.com/blog/what-is-commercial-insurance - Categories: Insurance - Tags: COI, customer liability, daycare, food truck, insurance broker, product recall, survey Get an easy-to-read overview of commercial insurance, the protection it provides, and why every small business owner, entrepreneur, and self-employed professional should have a policy. A common question many folks ask when doing a Google or Bing search is, ‘what is the meaning of commercial insurance? ’ In other words, whatiscommercial insurance? Commercial insurance, also known as business insurance, is a policy designed to protect business owners, self-employed professionals and contractors, entrepreneurs, and startups from the risks they face. In general, it protects the owner(s) of a company, their employees, business property, inventory, and the products and services they provide. The same applies to self-employed professionals such as independent consultants, general contractors, or freelancers. In essence, commercial insurance shields them against third-party liability lawsuits, damage or loss because of an accident, or unexpected situations like acyber-attack. https://www. zensurance. com/wp-content/uploads/2022/07/InsurancePolicy. jpg What Does Commercial Insurance Cover? What a commercial insurance policy covers depends on what’s in a policy. For example, a convenience store owner will need certain coverages that a home-based, independent accountant may not require and vice-versa. Policies are customized to meet a broad range of business needs to provide protection and financial support for potentially costly risks. For example, commercial insurance protects your assets and reputation if something goes wrong by giving you the support and funds you need to deal with an insurable loss or damage. It allows you to focus on serving your customers and running your business.  https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories What Are the Most Common Types of Commercial Insurance Coverages? Commercial general liability (CGL) insurance. CGL protects your business by providing financial support to cover the... --- ### What Kind of Business Insurance Do Fintech Startups Need? > Fintechs possess a lot of sensitive information about their customers. The dangers and benefits fintechs face are interwoven. As primary targets for fraud, scams, and cyber-attacks, find out what protection fintech startups need. - Published: 2022-07-22 - Modified: 2022-08-12 - URL: https://www.zensurance.com/blog/what-kind-of-business-insurance-do-fintech-startups-need - Categories: Finance, Insurance - Tags: commercial insurance, fintech insurance, small business insurance Fintechs possess a lot of sensitive information about their customers. The dangers and benefits fintechs face are interwoven. As primary targets for fraud, scams, and cyber-attacks, find out what protection fintech startups need. Financial technology companies have been around for many years, and new ones are entering the market regularly. But some of these fintech startups may not be prepared for the risks of doing business or have the properbusiness insurance. What Is a Fintech Company? Fintech is short for financial technology. It’s a technology company specializing in the financial services sector. The goal of many fintech firms is to improve the delivery of services to consumers and businesses. https://www. zensurance. com/wp-content/uploads/2022/07/Startup. jpghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd CategoriesFintech companies are sometimes known as disruptors in the financial services industry because they can move much faster when creating products and services that customers seek. Some of these fintechs compete directly with large institutions, while others have made brand new service and product offerings. Examples of fintech companies include robo-advisors, peer-to-peer lending, accounting providers, and online mortgage lenders. Canada has more than 1,200 fintech companies, most located in Toronto. Vancouver and Montreal are also home to many fintechs. Some of the more well-known fintechs include Wealthsimple, Borrowell, Lending Loop, FreshBooks, and Properly. In addition, fintech insurance brokerages, such as Zensurance, are also known as insurtech firms. What Unique Business Risks Do Fintechs Face? Fintech risks vary and are unique to this sector. Here are just a few: Cyber breaches. Fintechs possess a lot of sensitive information about their customers. Hackers may launch a cyber-attack on a fintech to get this valuable information. Also, payment processing fintechs are a primary target of hackers because... --- ### Do You Need Insurance to Host Outdoor Yoga Classes? > If you are a yoga instructor, teaching a class outside can be a great way to make a few extra bucks while getting some fresh air. But make sure you are protected if something goes wrong. - Published: 2022-07-20 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/do-you-need-insurance-to-host-outdoor-yoga-classes - Categories: Insurance - Tags: gym risk, yoga insurance If you are a yoga instructor, teaching a class outside can be a great way to make a few extra bucks while getting some fresh air. But make sure you are protected if something goes wrong. Yoga is reputed to be more than 5,000 years old but is probably trendier than it’s ever been. Thanks to social media’s universal trend toward self-care, exercise, and mindfulness, coupled with a booming clothing component, carrying around a yoga mat in public has become almost a status symbol these days. Throw in some nice warm weather into the mix, and it’s no surprise to see yoga classes popping up in parks and other outdoor public spaces all over the country. If you are ayoga instructor, you may consider this option and wonder how to jump on this trend to earn extra cash or even host a class for free. Here are some answers to questions you may have:https://www. zensurance. com/wp-content/uploads/2022/07/yogaoutside. jpghttps://www. zensurance. com/wp-content/uploads/2022/07/blog-CTA. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJd Categories Why Is Yoga So Popular These Days? There’s a lot about yoga to like besides comfortable stretchy pants. Researchers are now exploring its benefits for post-menopausal women, seniors, cancer patients, people with back pain, and athletes. When done correctly and consistently, it can increase bone density, produce endorphins, improve mobility and muscle strength, reduce blood pressure, and enhance mental wellbeing. Yoga enthusiasts often report not just better health but also a boost in energy, happiness, sleep, and an increased sense of control over their health. Do I Need to Be Certified and Have a License or a Permit? A person who hosts a yoga class (or other exercise classes such as Thai Chi or Dancercise) does not have to be a certified... --- ### How to Reduce Job Applicant Ghosting in a Tight Labour Market > Small businesses can’t afford to be waiting for applicants who will never arrive, or worse yet, people who get hired only to not show up for their first shift. Here’s how you can prevent applicants from “ghosting” you. - Published: 2022-07-18 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/how-to-reduce-job-applicant-ghosting-in-a-tight-labour-market - Categories: Small Business Tips, Startup Tips - Tags: ghosting, hiring, hiring tips, recruitment tips, survey Small businesses can’t afford to be waiting for applicants who will never arrive, or worse yet, people who get hired only to not show up for their first shift. Here’s how you can prevent applicants from “ghosting” you. Job applicant ghosting is on the rise in Canada. As the labour shortage continues, candidates aren’t showing up for interviews, their first shift, or leaving the job quickly without notice. If time is money, then business owners are wasting a lot. Organizations – especially small businesses and startups –have many decisions to make daily, and they can’t afford to be waiting for applicants who will never arrive, or worse yet, people who get hired only to not show up for their first shift. That's the hallmark of a tight job market.   According to Statistics Canada, the number of job vacancies for all industries in the first quarter of 2022 was 890,385, which means competition for candidates is fierce. And yet, you could still be ghosted if you're offering a good wage and benefits. In a survey conducted in late 2021 of more than 800 senior managers bybusiness consulting firm Robert Half, 43% of respondents said ghosting is more common than it was two years ago. https://www. zensurance. com/wp-content/uploads/2022/07/JobCandidate. jpgAnd let's be clear about what “ghosting” means. Ghosting, also known as simmering or icing, is a colloquial term which describes the practice of ending all communication and contact with another person or organization without any apparent warning or justification and subsequently ignoring any attempts by that organization or individual to contact them. Why Workers Are Ghosting EmployersThere are four main reasons why candidates ghost a prospective employer. Robert Half’s data finds the top reason is the job wasn’t what candidates expected,... --- ### 8 Ways to Make Smart Small Business Decisions > Every business makes a mistake. Some of the largest companies in the world have made them. Discover eight decision-making strategies to help guide you as you grow your company. - Published: 2022-07-15 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/8-ways-to-make-smart-small-business-decisions - Categories: Small Business Tips, Startup Tips - Tags: customer liability, decision making tips, fees, marketing, small business decisions, survey Every business makes a mistake. Some of the largest companies in the world have made them. Discover eight decision-making strategies to help guide you as you grow your company. As a small business owner, you have many decisions to make every day. Some may be minor, while others can be important enough that they can have a significant impact on your company. As you gain more experience as an owner, you’ll be more confident in making the right decisions. But there will be times when the challenges before you are perplexing, and as the boss, it falls to you to make the decision you feel is best for  growing the organization. You need to remove guesswork from the equation and address the task at hand strategically as there are different ways to determine what to do. Here are eight strategies for decision-making in business to help guide you as you grow your company:https://www. zensurance. com/wp-content/uploads/2022/07/BusinessWoman. jpg 1. Set clear objectivesBefore you make critical business decisions, you want to have clear goals. These are typically called key performance indicators (KPIs). The most common KPIs are: Financial metrics, such as sales, earnings, or profit margins. Metrics on your customers, such as retention and satisfaction rates, lifetime value and acquisition costs, and the number of returning customers versus new ones. Non-financial metrics, such as the employee turnover rate.    Using metrics will allow you to create targets. Goals should be specific, realistic, and completed within a certain timeframe. Once these goals are set, you can work on achieving them. 2. Rely on dataYour primary goals will typically be to increase sales and earnings, keep your customer retention and satisfaction rates high, and... --- ### What Is Business Fire Insurance? > Fire is among the greatest threats to business owners. Learn what your options are to protect your business from the risk of fire with insurance and follow our recommended fire safety and prevention tips for your workplace. - Published: 2022-07-09 - Modified: 2023-08-24 - URL: https://www.zensurance.com/blog/what-is-business-fire-insurance - Categories: Insurance - Tags: business fire insurance, business property, fire insurance for business, fire safety tips, flood, vacant property Fire is among the greatest threats to business owners. Learn what your options are to protect your business from the risk of fire with insurance and follow our recommended fire safety and prevention tips for your workplace. Fire is among the most frequent and common causes of damage and loss to Canadian small businesses every year. According to a 2017 Statistics Canada report using data from the National Fire Information Database, there were over 439,000 fire incidents between 2005 and 2014, with structural (building) fires accounting for six in 10. Recovering from a fire at a place of business is not inexpensive. Thankfully, fire insurance for business property exists as a component of commercial property insurance. https://www. zensurance. com/wp-content/uploads/2022/07/firefighters. jpg Business fire insurance is a coverage that's a part of a commercial property policy, which provides financial support to repair or replace damaged property, including buildings, because of a fire, flood, natural disaster, theft, or vandalism. It also covers your business’s contents and inventory (furnishings, electronics, merchandise). What Does Business Fire Insurance Cover? Commercial property insuranceprovides financial support to repair or replace damaged property, including buildings, because of a fire, flood, natural disaster, theft, or vandalism. It also covers your business’s contents and inventory (furnishings, electronics, merchandise). That policy may include coverage for incidental damage and destruction to your business property from smoke, charring, or damage caused by firefighters. Generally, commercial property insurance covers the cost of fire damage to a business space you own, rent, or lease, your contents, and exterior property like fences, outdoor signage, and landscaping. After purchasing commercial property coverage, it’s recommended youcreate and maintain a contents inventory listof all the physical assets and goods on the premises. That list will come in... --- ### What Is Heavy Equipment Insurance? > Mitigating financial and productivity losses are priorities for all construction project teams, and that includes protecting the heavy equipment they use. Here’s how insurance can help do that. - Published: 2022-07-04 - Modified: 2024-08-30 - URL: https://www.zensurance.com/blog/what-is-heavy-equipment-insurance - Categories: Insurance - Tags: construction insurance, contractor, contractor insurance Mitigating financial and productivity losses are priorities for all construction project teams, and that includes protecting the heavy equipment they use. Here’s how insurance can help do that. Contractors and construction workers face many high-level risks every day at the various construction sites where they work. These job sites are fraught with danger, which is why these professionals rely on insurance to protect them from the costs of thecommon construction insurance claimsthey may face.  Enhancing safety, taking preventative measures to avoid accidents, and mitigating financial and productivity losses are priorities for all construction project teams, including protecting the heavy equipment they use. https://www. zensurance. com/wp-content/uploads/2022/07/backhoe. jpgHeavy equipment insurance, sometimes called inland marine ortool and equipment insurance is a must-have for business owners and contractors who own or rent any transportable tools or equipment they need to complete their building or renovation projects. https://www. zensurance. com/wp-content/uploads/2022/07/Contractor-Business-Insurance-CTA. jpg Related Posts Categories What Counts as Heavy Equipment? When we think of heavy equipment or machinery, think of heavy-duty vehicles. These vehicles are designed to tackle construction tasks and earthwork operations ranging from road and railway bed construction to topsoil and rock excavations, dredging, and land grading.  The most common types of heavy equipment construction, excavation, and mining companies use include:  Backhoes Bulldozers Compactors Cranes Dump trucks Excavators Hydraulic mining shovels Loaders (front loader, bucket loader, payloader, wheel loader) Motor graders Telehandlers or boom lifts Concerning tools and equipment insurance, any item that’s worth $1,500 or more is considered to be heavy equipment. Items worth less than that amount are tools – hand tools, power tools, safety gear, and measurement devices.  What Heavy Equipment Industries Need Protection? Wherever a contractor works or goes,... --- ### Canada Day Weekend: Wave the Flag and Market Your Small Business > National holidays are a great way to have your brand join in on the collective feelings of optimism, celebration, and reflection. Just be careful it reads as authentic. - Published: 2022-06-27 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/canada-day-weekend-wave-the-flag-and-market-your-small-business - Categories: Small Business Tips - Tags: Canada Day, marketing, small business marketing National holidays are a great way to have your brand join in on the collective feelings of optimism, celebration, and reflection. Just be careful it reads as authentic. Who doesn’t love a long weekend? With Canada Day (July 1st) soon upon us, we are already seeing many ads filled with the traditional patriotic symbolism and iconic Canadian activities like drinking beer, going to the cottage, wearing red, fireworks and celebrating our diversity. Being Canadian, however, is multifaceted and means different things to different people, so it’s important to approach it with sensitivity. As a small business owner, it's a smart strategy to have a marketing plan (including a content and social media calendar) closely tied to holidays, national events, and seasonal activities. Think of it as an opportunity to have your brand join in and connect with your community’s collective feelings of optimism, celebration, and reflection. But how do you make this seem relevant to your brand and authentic rather than opportunistic? How do you tie this back into your company’s values and those of your customers and target audience? https://www. zensurance. com/wp-content/uploads/2022/06/CDweekend. jpg Limited-Edition Products, Services, or DiscountsThink about your business and product offerings. Do you own a bakery? Maybe you can offer a special Canada Day cookie or cupcake (a potential hit on Instagram! ) If you run a clothing business, perhaps you can offer a limited-edition T-shirt or hat. If it's too late this year to provide a new product design or service, consider launching a social media or ad campaign with discounts. For example, a countdown to Canada Day where there are different products, services, or discounts on special each day of the week... --- ### How to Write a Mission and Vision Statement for Your Small Business > There is often confusion around what mission and vision statements are and their differences. Read our guide on how to develop and realize your organization’s mission and vision statements. - Published: 2022-06-15 - Modified: 2023-01-27 - URL: https://www.zensurance.com/blog/how-to-write-a-mission-and-vision-statement-for-your-small-business - Categories: Small Business Tips, Startup Tips - Tags: business grant, business ontario, hiring, mission and vision statement There is often confusion around what mission and vision statements are and their differences. Read our guide on how to develop and realize your organization’s mission and vision statements. If you’re running a business or plan on starting one soon, you may require both a vision and mission statement. These two statements help shape your company’s purpose and outline what you want to achieve. Though they can help an organization focus and give it direction, there is often confusion around what mission and vision statements are and their differences. You need to strike a balance: mission and vision statements must reflect a business’s status quo and point to an achievable future. They mustn’t be too vague, interchangeable, or unrealistic. A clear, compelling mission statement can enhance your business’s image and explain its goals, while a concise vision statement can provide the foundation for developing your objectives and action plans. What follows is a guide to help you develop and realize your organization’s mission and vision statements. https://www. zensurance. com/wp-content/uploads/2022/06/missionvision. jpg What Is the Difference Between a Mission and Vision Statement? A mission statement will typically describe what the company is, what it does, its purpose, and who it serves. Mission statements highlight an organization’s principles and values, are action-oriented and should inspire people to act. On the other hand, a vision statement usually describes where the company wants to be or what it wants to achieve. It should also be inspirational, but it’s a declaration of what the company will become based on its long-term goals. Mission statements typically stay the same, while vision statements may evolve as the company grows and expands into new markets and launches new... --- ### Guide: Risk Analysis and Management for Startups > Statistically, most startups will fail. Don’t be one of them. Doing a comprehensive risk assessment is a crucial step in de-risking a startup. Here’s what you should do. - Published: 2022-06-13 - Modified: 2022-09-07 - URL: https://www.zensurance.com/blog/guide-risk-analysis-and-management-for-startups - Categories: Startup Tips - Tags: commercial insurance, customer liability, fintech, flood, phishing, risk analysis, risk management, small business insurance, startup business insurance, survey Statistically, most startups will fail. Don’t be one of them. Doing a comprehensive risk assessment is a crucial step in de-risking a startup. Here’s what you should do. Launching a startup is exciting. However, when developing your business plan, it can be very tempting to rush in and focus on all the positive aspects of bringing your innovation and ideas to life. But it’s important to take a step back and focus on what could go wrong — taking a hard look at pitfalls to avoid, how to recognize them, and strategizing on how to mitigate and manage these challenges will make your business plan a stronger and more viable one. Entrepreneurs who launchstartup businessesare often risk-takers by nature, so it may be tempting to skip this step, but don’t do it! https://www. zensurance. com/wp-content/uploads/2022/06/YoungBusinesswoman. jpg Why Most Startups FailAccording to Investopedia, around 95,000 new businesses are started in Canada annually, but only a fraction of these will succeed. Why? Most enter the market unprepared. Some of the top reasons they fail include lack of funding, misreading market demand,managing cash flow, intense competition, flawed business models, regulatory challenges, high supplier pricing, poor marketing, and bad timing. Now think about how many of these issues could have been anticipated and avoided with proper research and planning. You will start to understand how vital a risk assessment is to give your new business a fighting chance of beating the odds. What Is a Risk Assessment? Think of a risk assessment for startups as a reality check. So take those rose-coloured glasses off and do a thorough and pragmatic checklist of everything that can go wrong. You need to evaluate your... --- ### 8 General Contractor Marketing Tips > Many contractors work in the residential renovation and maintenance segment. Considering the competition, what is the best way for contractors to market their services and stand out? Follow these eight recommendations. - Published: 2022-06-08 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/8-general-contractor-marketing-tips - Categories: Small Business Tips - Tags: contractor marketing, marketing, renovation insurance, snow removal Many contractors work in the residential renovation and maintenance segment. Considering the competition, what is the best way for contractors to market their services and stand out? Follow these eight recommendations. General contractors are always in high demand whether they specialize in carpentry, plumbing, home and commercial renovation work, roofing, or are electrical contractors. There’s also a lot of competition among contractors to win customers. According to the Canadian Construction Association, residential and commercial construction employs more than 1. 4 million professional contractors and generates approximately $141 billion annually. Furthermore, Statistics Canada’sdataon specialty trade contractors shows that 94,358 are small businesses, with 61% considered micro-businesses (employing less than five employees). Small businesses account for 38. 4% of specialty trade contractors, and medium-sized companies account for 0. 8%. Meanwhile, more than 116,000 are self-employed, independent contractors with no permanent employees. https://www. zensurance. com/wp-content/uploads/2022/06/GeneralContractor. jpgThe majority of these contractors work in the residential renovation and maintenance segment. What is the best way for contractors to market their services considering the competition? There is no single answer, but there are many worthwhile ideas to consider that are low-cost and may suit your small business. Digital marketing for contractors is essential to make your general contracting business stand out from the competition. Here are eight ways to do that:1. Know Who Your Customers AreWho’s your target audience? You need to know who your customers are, what services they’re looking for from a general contractor, and what your unique value proposition is that helps them achieve their goals. Without these details, crafting useful marketing strategies for contractors or any profession is unlikely. Knowing your customers means interacting with them frequently, whether in-person, over the phone, in... --- ### How to Sell Anything at a Farmers’ Market > Farmers’ markets offer several benefits to both communities and consumers. As a vendor, being profitable means understanding the business expenses. Get an overview of what you need to consider if you fancy selling goods at a farmers’ market. - Published: 2022-06-06 - Modified: 2023-01-17 - URL: https://www.zensurance.com/blog/how-to-sell-anything-at-a-farmers-market - Categories: Small Business Tips, Startup Tips - Tags: farmers market insurance, food truck, vendor insurance street market Farmers’ markets offer several benefits to both communities and consumers. As a vendor, being profitable means understanding the business expenses. Get an overview of what you need to consider if you fancy selling goods at a farmers’ market. Outdoor and community markets can be a profitable way of selling your goods, whether it’s a farmers’ market, antique market, or flea market. Farmers’ markets offer several benefits to both communities and consumers. For communities, it’s an opportunity for local small businesses, producers, vendors, and independent sellers to sell their goods, increase civic pride, strengthen civic engagement, and help reduce transportation and energy costs. For consumers, it’s a social event and a way to get local, fresh, healthy foods and seasonal goods while getting outside to explore a municipality or region. But if you want to be profitable selling at a booth or stall, you need to understand all the business expenses involved. Here’s an overview of what you need to consider if you fancy being a vendor at a farmers’ or other kind of market:https://www. zensurance. com/wp-content/uploads/2022/06/farmersmarketblog. jpg Easy Things to Sell at a Farmers MarketThere’s no shortage of options when it comes to choosing a market to sell your wares, whether you live in a rural or urban area. They can be seasonal or year-round, indoors, outdoors, or both, and large and small. A farmers’ market is a seasonal, multi-vendor, community-led event featuring agricultural goods, food (sometimes prepared), arts and crafts, and homemade or baked goods. But there are other types. For example, a public market is usually a municipally operated year-round event housed in permanent structures and featuring local retailers, artisans, and producers. Meanwhile, a community market is a seasonal or year-round market catering to vendors and... --- ### How to Start an Electrician Business in Canada > It’s estimated Canada will need thousands of new electricians within 10 years. That makes pursuing a career as an electrician or starting your own business in the trade ideal. - Published: 2022-06-01 - Modified: 2023-01-17 - URL: https://www.zensurance.com/blog/how-to-start-an-electrician-business-in-canada - Categories: Startup Tips - Tags: contractor It’s estimated Canada will need thousands of new electricians within 10 years. That makes pursuing a career as an electrician or starting your own business in the trade ideal. We often only notice when we need their help, but let’s recognize that electricians are critical for the everyday things we need to power. Electricianslight up our homes and power our buildings. Without them to install, repair, troubleshoot and maintain electrical systems and equipment, there would be no energy flow. Within the residential, commercial, and industrial sectors, they can be employed by electrical contractors and building maintenance departments, or they may beself-employed professionals. Regardless, they are in a highly respected trade that requires a tremendous amount of knowledge and skill to work with electricity daily. As a result, the demand for electricians will only keep growing. https://www. zensurance. com/wp-content/uploads/2022/06/Electricianworking. jpgAs current electricians retire, it’s estimated Canada will need thousands of new electricians within 10 years. That makes pursuing a career as an electrician or starting your own business in the trade ideal. For example,On-SitemagazinereportsOntario is offering to pay for electrician apprenticeships to fill the looming shortage of skilled electricians the province is facing. "As technology continues to evolve, this in-demand trade not only provides a fulfilling career for young people and underrepresented populations, but their skills will be critical to helping build and sustain Ontario's infrastructure well into the future,” says James Barry, the Executive Secretary-Treasurer, International Brotherhood of Electrical Workers (IBEW) Construction Council of Ontario. What Training and Certification Are Required to Become an Electrician? Before thinking ofstarting your own business, you need to complete mandatory electrician training and certification. The process requires time and commitment and varies from... --- ### How to Do a Business Name Search in Canada > A catchy business name can create brand awareness, drive customer loyalty and sales, and eventually help you attract the talent you need when it’s time to hire employees. Here are the steps you need to take to register and protect your company’s name. - Published: 2022-05-30 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/how-to-do-a-business-name-search-in-canada - Categories: Small Business Tips, Startup Tips - Tags: business name search, business startup, choose a business name, freelance writer, register a business name A catchy business name can create brand awareness, drive customer loyalty and sales, and eventually help you attract the talent you need when it’s time to hire employees. Here are the steps you need to take to register and protect your company’s name. Starting a business can be both stressful and exciting. You want tobe a successful entrepreneur, which requires time and hard work. But you’ve come this far, and now it’s time to come up with a snappy name for your business. It’s a critical step. After all, a catchy business name can create brand awareness, drive customer loyalty and sales, and eventually help you attract the talent you need when it’stime to hire employees. It’ll also be on all your advertising and marketing materials, legal documents, and more. Here are the steps you need to take:https://www. zensurance. com/wp-content/uploads/2022/05/businesswomanlaptop. jpg How to Choose a Business NameThere are a few things to consider when choosing a name, such as: Make it relevant. A name should describe the product or service you offer. Having a vague name that’s irrelevant might confuse potential customers. For instance, retailer Woolworth changed its name in 1998 to Venator, the Latin word for hunter. But the company didn’t have anything to do with hunting. It changed its name to Foot Locker, its largest division, three years later. It should be memorable and easy to pronounce. There’s nothing worse than not being able to pronounce a company’s name. When telecom companies Bell Atlantic and GTE merged in 2000, the combined company took on the name Verizon. The name is memorable, but the pronunciation needed to be included in some news stories. Be distinctive. Having a unique name is good for two reasons. One, it won’t be confused with another company... --- ### How Does Your Side Business Affect Your Taxes? > The money earned from your side hustle is considered taxable but there are many ways to lower your tax bill. Here’s how to do that. - Published: 2022-05-25 - Modified: 2024-08-26 - URL: https://www.zensurance.com/blog/how-does-your-side-business-affect-your-taxes - Categories: Finance, Small Business Tips - Tags: Etsy, freelance writer, shopify, side hustle taxes, small business taxes, tax, tax return, tutor The money earned from your side hustle is considered taxable but there are many ways to lower your tax bill. Here’s how to do that. Side hustles are a great way to make a little bit of extra income. The additional funds you earn can be used to help you buy your dream home, go on the vacation of a lifetime, or retire early. However, there are things you should be aware of if you decide to have your own side business from a tax perspective. Is Your Side Business Taxable? The short answer is yes. The money earned from your side hustle is considered taxable. That means you need to declare that side business income on your tax return. https://www. zensurance. com/wp-content/uploads/2022/05/manworkingonline. jpgThe amount of tax you need to pay will depend upon how much you earn. There’s a chance that you can be pushed into a higher tax bracket and pay even more tax because of the income earned from your full-time role. You also must pay Canada Pension Plan or Quebec Pension Plan (if you live in Quebec) premiums. You must pay the employee and employer portions if you earn more than $3,500 annually from your side hustle. For the CPP, that’s 5. 7% each or a total of 11. 4%. For the QPP, that’s 5. 4% each or a total of 10. 8%. You should also consider getting aGST/HST number. While not required, it’s necessary if you earn $30,000 or more from your side business. If you don’t charge this to your clients and make $30,000 or more, you’ll have to pay this yourself. That can add up if you have... --- ### What Is a Good Profit Margin for Your Small Business? > A profit margin is an amount that shows how profitable your business is by dividing income by revenue (also called sales). There are also different types of margins you’ll need to understand and ways to improve them. - Published: 2022-05-20 - Modified: 2023-02-13 - URL: https://www.zensurance.com/blog/what-is-a-good-profit-margin-for-your-small-business - Categories: Finance, Small Business Tips - Tags: business credit card, lean waste, profit margin, small business profit margin, tax A profit margin is an amount that shows how profitable your business is by dividing income by revenue (also called sales). There are also different types of margins you’ll need to understand and ways to improve them. Companies like yours need to turn a profit to stay in business. Understanding what’s a good profit margin is important when managing your company’s finances. Profit margins can vary by month, season, industry, and how they’re calculated. There are also different types of margins you’ll need to understand and ways to improve them. But let’s start with the basics.  What Is a Profit Margin? A profit margin is an amount that shows how profitable your business is by dividing income by revenue (also called sales). The profit margin is expressed as a percentage and shows how many cents in profit you earn for each dollar in revenue. https://www. zensurance. com/wp-content/uploads/2022/05/profitmargin. jpgAccording to Industry Canada, profit margins vary by the size of a business. For example, in 2012 (the latest statistics available), small businesses (those with annual revenue of less than $5 million) had a net profit margin of 7%. Medium-sized companies (those with annual revenue of $5 million to $25 million) had a profit margin of 3. 7%, and large businesses (those with annual revenue of $25 million or more) had a profit margin of 5. 6%. Profit margins also vary by sector. Market research firm IBISWorld finds that the businesses with the highest profit margins in 2022 are as follows: Payroll and bookkeeping services: 33. 8% Human resources consulting: 27. 9% Tax preparation services: 26. 8% Breweries: 25. 8% Real estate sales and brokerages: 24. 9% Fishing and seafood aquaculture: 22. 4% Thermal power: 19. 6% Wood panelling manufacturing:... --- ### How to Start a Jewellery-Making Business > Although the jewellery industry is highly competitive, it has low barriers to entry. If you’re keen to dazzle the world with your artisan, handcrafted treasures, now may be the time to strike gold. Here are the steps you need to take. - Published: 2022-05-16 - Modified: 2024-08-26 - URL: https://www.zensurance.com/blog/how-to-start-a-jewellery-making-business - Categories: Startup Tips - Tags: Etsy, how to start, jewellery business, jewelry business, making jewelry Although the jewellery industry is highly competitive, it has low barriers to entry. If you’re keen to dazzle the world with your artisan, handcrafted treasures, now may be the time to strike gold. Here are the steps you need to take. Jewellery-making is a craft that allows you to create and fabricate jewellery items of your design. If you have an appetite to express your creativity and style through this medium, you can choose to sell your pieces directly to consumers online, in a store, or you can partner with distributors or owners in the retail industry to stock your creations. But how do you start a jewellery-making business in Canada? Here is good news: the market size of the jewellery industry in Canada is projected to be worth $3 billion in revenue in 2022 and is ranked 33rd in retail trade by market size. Although the industry is highly competitive, it has low barriers to entry. Additionally, the industry’s size in Canada declined 2. 5% per year on average between 2017 and 2022, faster than the economy overall and the retail trade sector. In other words, now may be the time to strike gold. https://www. zensurance. com/wp-content/uploads/2022/05/jeweller. jpg Steps to Take to Start a Jewellery-Making Business Before starting a jewellery-making business, you should understand the production process, the different techniques and materials used, and how to manufacture on a sizable scale. Explore and research the jewellery-making industry to understand the different segments available and how you intend to situate yourself among the greater landscape. Consider the experiences you will encounter in the position you choose to focus on, and prepare yourself for how you will face the challenges of a crowded and subjective market. Differentiating your business to stand out will... --- ### How to Become a Life Coach > If you’re thinking of becoming a life coach, consider your strengths and passions to help pick an area of expertise. But being a life coach also means you need to think like a business owner. - Published: 2022-05-13 - Modified: 2022-12-09 - URL: https://www.zensurance.com/blog/how-to-become-a-life-coach - Categories: Startup Tips - Tags: become a life coach, business insurance, commercial insurance, life coach, tutor If you’re thinking of becoming a life coach, consider your strengths and passions to help pick an area of expertise. But being a life coach also means you need to think like a business owner. If you’ve pondered becoming a life coach, it’s essential to keep in mind the business considerations if you want to make a living at it. Becoming a life coach requires the right personal skills, finance and marketing know-how, domain expertise, and protecting yourself withlife coach insurance. What Is a Life Coach? Becoming a life coach means deciding in what area of expertise you will specialize. After all, a life coach specializes in helping people develop areas of their business or personal lives. There are many different types of life coaches. Think about your knowledge and experience to select an area of expertise. Some areas overlap, so you might consider several when setting up your practice to keep your potential client base broad enough to grow your business. https://www. zensurance. com/wp-content/uploads/2022/05/lifecoach. jpgFor instance, a life coach who focuses on advising business people has many areas to consider. Think of a marketing coach who helps clients target their ideal customers and channels with the right promotions, branding, messaging, and sales campaigns. Or leadership coaches who help people become better leaders by honing their talents and bringing out the best in others. What’s the Difference Between a Life Coach and Therapist? Being a life coach is different from being a therapist, which involves extensive training to become licensed mental health professionals. Although there is training and certifications available to be recognized as a life coach, these certifications are not legally required. The goal of a life coach is helping others discuss their fears,... --- ### Types of Communication Styles in Business > The tone of voice you use when developing your business communication style is critical. It not only affects how people notice your business but can also influence who’ll want to do business with you. - Published: 2022-05-11 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/types-of-communication-styles-in-business - Categories: Small Business Tips, Startup Tips - Tags: Email marketing The tone of voice you use when developing your business communication style is critical. It not only affects how people notice your business but can also influence who’ll want to do business with you. Business communications can be tricky. You want your brand and messages to stand out and be memorable and respectful and not offend (or bore) anyone. Is it okay to be witty, or should a serious business always play it straight? Can you mix it up sometimes, or is it best to pick a style and stick to it? Let’s explore how you should think about your company’s tone of voice and how to develop the right communication style for your small business. What Is Tone of Voice? At its most basic, tone of voice is defined as the way someone speaks to you, whether in person or written (think business emails,your website content, social media updates, etc. ). But it’s not always as simple as it sounds. https://www. zensurance. com/wp-content/uploads/2022/05/PhoneYelling. jpgFor example, the words you choose when you speak and write can convey many emotions to your audiences: humour, concern, trust, empathy, excitement, confidence, support, optimism, anger, and mistrust. Tone of voice can be conveyed through things like: Sound (loud, soft, cadence, alliteration) Syntax (the arrangement of words, the structure of phrases – are they detailed or punchy? ) Case, punctuation, and font choices (in written messages) Voice (active vs passive) Point of view (first person vs third person) Style (conversational vs formal) Why Does Tone of Voice Matter in Business Communications? Words matter – everyone knows that! But it is not just what you say, but how you say it and how consistent you are with your tone. Would... --- ### How to Start a Clothing Business > There are a few steps you need to take to turn your dream of running a clothing business into reality. Here’s how you can do that. - Published: 2022-05-09 - Modified: 2023-01-17 - URL: https://www.zensurance.com/blog/how-to-start-a-clothing-business - Categories: Startup Tips - Tags: e commerce, how to start There are a few steps you need to take to turn your dream of running a clothing business into reality. Here’s how you can do that. Are you a fashionista ready to share your style with the world? Or maybe you’re looking to capitalize on your favourite crafting hobby. Whatever your reason for wanting to start a clothing business, it’s a great time to do so. It’s never been easier to access a huge customer base with the rise ofInstagram businessesand other e-commerce options that allow entrepreneurs to use their cellphones as storefronts. Conversely, there's been a huge push to support local and small businesses – one positive outcome of the pandemic – with55% of Canadianssaying their desire to ‘support local’ has caused them to shift their shopping habits closer to home. If you’re ready to start your own clothing business, there are five steps you need to take to turn your dream of running a clothing business into reality:1. Figure out your company’s purposeThere is a lot of competition out there. To sell your clothing, it needs to serve a purpose that isn’t being met by the current offerings. You don’t have to try and reinvent the wheel, but you do need to fill a gap in the market. Perhaps you’ve noticed there are not a lot of maternity or baby clothing businesses operating in your area, or you have a great idea for dog and owner matching outfits that you haven’t seen anywhere else. Figure out your niche and prepare to stand out from the masses. https://www. zensurance. com/wp-content/uploads/2022/05/clothingbusiness. jpg 2. Develop a solid business planYour business plan should be able to answer the... --- ### What You Need to Know About Baby Products Liability Insurance > Most small business owners recognize that they need a liability policy for any product they manufacture, sell, or distribute online or offline. But the potential risks children’s toys and products create raises the stakes considerably. Here’s what you should know. - Published: 2022-05-04 - Modified: 2023-07-04 - URL: https://www.zensurance.com/blog/what-you-need-to-know-about-baby-products-liability-insurance - Categories: Insurance - Tags: baby products liability insurance, daycare, daycare insurance, kids toys liability, product recall Most small business owners recognize that they need a liability policy for any product they manufacture, sell, or distribute online or offline. But the potential risks children’s toys and products create raises the stakes considerably. Here’s what you should know. For any small business owner or retailer that sells baby products, including toys, finding aliability insurancepolicy can be difficult. That’s because this class of products – from toys to baby carriers and slings – are considered high-risk products. Most small business owners and startups recognize that they need aliability policy for any product they manufacture, sell, or distributeonline or offline. But the potential risks children’s toys and products create raises the stakes considerably. Moreover, children's toys and related products manufactured, imported, advertised, or sold in our country are subject to theCanada Consumer Product Safety Act (CCPSA) and the Toys Regulations. The CCPSA addresses a range of mechanical, flammability, toxicological, electrical, thermal, and other hazards associated with children's toys. Additionally, Health Canada warns consumers to check itsRecalls and Safety Alerts Databasefor children's second-hand toys or products, including cribs, playpens, and strollers. https://www. zensurance. com/wp-content/uploads/2022/05/littlekidwithtoy. jpghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related PostsAs noted by one Halifax-based entrepreneur who started her juvenile retail products company, Nurtured, as an online business out of her home in 2006, getting an affordable liability policy is a real challenge. In addition to regarding children’s toys, baby carriers, strollers, and prams as extremely high risk, insurers are also hesitant to cover companies that sell baby products to consumers in the U. S. or if a particular product is notCPSIA-compliant. Plus, if the toys and baby products you’re selling or shipping are manufactured in another country, you can expect to face additional questions from an insurer, such as what the... --- ### 10 Hiring Tips for Startups > Your startup business is growing and now it’s time to build your team by hiring qualified talent. Read our recommendations for how you can find the people you need to help your business continue to thrive and grow. - Published: 2022-05-02 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/10-hiring-tips-for-startups - Categories: Small Business Tips, Startup Tips - Tags: hiring, hiring tips, hiring tips for small business Your startup business is growing and now it’s time to build your team by hiring qualified talent. Read our recommendations for how you can find the people you need to help your business continue to thrive and grow. Every organization, large or small, is defined by its greatest asset: its people. Yet finding the right group of workers to join yourstartup businesswho will represent your company, serve your customers, and help the business grow is not an easy feat. Furthermore, since yours is a startup or small business, it’s unlikely you can match either the pay or benefits more established companies in your industry can provide. After all, you’re fishing in the same talent pool as large corporations are. In an era where remote working has become the norm –an Ipsos/Global News pollconducted in late 2021 found 88% of Canadians enjoy working from home and only 50% expect they will have to return to an office or workplace sometime this year – finding and hiring the talent you need may seem like an impossible task. But here’s some good news: it isn’t. What you need to do is to get creative with how you recruit the folks you need. https://www. zensurance. com/wp-content/uploads/2022/05/helpwanted. jpgHere are 10 hiring tips for Canadian startups and small businesses to consider to help you find the talent you need to grow your company:1. Establish a recruitment strategyCreating a recruitment strategy is your first step. It will help guide you at every stage of the recruitment lifecycle and ensures you’re tracking the right recruitment metrics so you can measure what your actual cost-per-hire is. Recruitment metrics also help you optimize the hiring process and identify areas where you can improve. For example, some metrics you... --- ### 4 Common Construction Insurance Claims and How to Avoid Them > Construction sites have many health and safety hazards. Here’s what to be mindful of and the steps to take year-round to prevent an accident, theft, or injuries at your job sites. - Published: 2022-04-27 - Modified: 2023-09-14 - URL: https://www.zensurance.com/blog/4-common-construction-claims-and-how-to-avoid-them - Categories: Small Business Tips - Tags: construction equipment, construction insurance, contractor, contractor insurance Construction sites have many health and safety hazards. Here’s what to be mindful of and the steps to take year-round to prevent an accident, theft, or injuries at your job sites. Insurance claims are a fact of life in the construction industry. Unfortunately, you may have to file a claim with your insurer at one time or another, but there are ways to prevent that from occurring.  Here’s a look at the four most common contractor andconstruction insuranceclaims and how to avoid them:1. TheftIt’s estimated that about $500 million worth of equipment is stolen from job sites every year. Stolen items have typically been small, such as copper pipes and wiring or power tools. However, thieves have also begun stealing more expensive items such as 3D measurement systems, vehicles, and heavy equipment. There are a few things you can do to prevent theft: Use additional security measures. Lock everything up you can in job site boxes and remove the wheels. Put in climb-resistant fencing, have as few entrances as possible with locked doors or gates, and install security cameras and extra lighting. Also, use hydraulic locks on equipment, and consider hiring a security guard to keep watch. https://www. zensurance. com/wp-content/uploads/2022/04/constructionworker1. jpg Make your mark. It’s always wise to identify what’s yours by labelling everything. That can be done by etching your company name on everything or using microdot identification.   Keep a thorough inventory. You should keep track of everything you own by conducting abusiness contents inventoryand track the items and equipment you bring to a job site. That includes recording the make and model or serial numbers, purchase dates, photos, and descriptions of each item. Hold onto receipts. It’s a... --- ### Starting a Food Truck Business? Here’s What You Should Know > Have you always wanted to open a food truck business but don’t know where to start? Get details on what you’ll need in terms of costs, permits, insurance, tips for success and pitfalls to avoid so that there are no surprises. - Published: 2022-04-22 - Modified: 2023-07-25 - URL: https://www.zensurance.com/blog/starting-a-food-truck-business-heres-what-you-should-know - Categories: Startup Tips - Tags: business insurance, commercial insurance, Food truck business, food truck insurance Have you always wanted to open a food truck business but don’t know where to start? Get details on what you’ll need in terms of costs, permits, insurance, tips for success and pitfalls to avoid so that there are no surprises. https://www. zensurance. com/wp-content/uploads/2022/04/foodtruck-business. jpgDo people love the food you prepare? Are friends and family often commenting that you should quit your day job and take up cooking full time? While opening a restaurant is too costly and risky for most of us, opening a food truck business is probably more within reach and maybe even something you have been dreaming about doing. It’s not such a crazy dream – Canada’s food truck industry is booming. According to Statistics Canada, there are an estimated 72,233 mobile food service operators nationwide in early 2022. Being a food truck operator allows you to be your own boss in a creative and dynamic sector that is steadily growing in popularity and revenue opportunity. But before you dive right in, it’s important to understand the ins and outs and what you will need to succeed. That involves creating a food truck business plan before you hit the road. That plan needs to take into account the different elements of getting your business up and running, and addresses the opportunities and challenges you face. Here’s a breakdown of some of the questions you’ll need to answer to position yourself for success: How Much Does It Cost to Start a Food Truck Business? How Much Do Food Truck Owners Make Annually in Canada? What Kind of Food Truck Business Should I Launch? How Do I Define My Food Truck Business from the Competition? How Do I Promote and Market My Food Truck Business? How Do I Find... --- ### 7 Tips for Swimming Pool Maintenance Contractors > As we head into the prime-time season for swimming pool contractors, now’s the time to get ready to ramp up your operations and ensure your team is ready to help your customers keep their pools clean. - Published: 2022-04-20 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/7-tips-for-swimming-pool-maintenance-contractors - Categories: Small Business Tips - Tags: swimming pool cleaning, swimming pool maintenance, swimming pool repair As we head into the prime-time season for swimming pool contractors, now’s the time to get ready to ramp up your operations and ensure your team is ready to help your customers keep their pools clean. When summer’s heat rises, who doesn’t enjoy a refreshing dip in a cool, clean swimming pool? The sensation of the water on one's skin, the joy of floating and feeling weightless, the health and fitness benefits of moving through water – it’s an experience unlike any other. As we head into the prime-time season for swimming pool contractors, now's time to ramp up your operations and ensure your team is prepared to help your customers keep their pools clean. After all, no one wants to dive into a pool that looks filthy or emits an unpleasant odour.  Here are seven tips for professional swimming pool maintenance contractors to consider for their businesses:1. Get your team certifiedWhether yours is a one-person operation or a team of technicians, get certified. The industry standard is the Certified Pool Operator (CPO) certificate, which is available through several organizations and is recognized by provincial health authorities. For example, the Ontario Recreation Facilities Association provides this course online and in-class. https://www. zensurance. com/wp-content/uploads/2022/04/swimmingpooltech. jpgAmong other things, a CPO course teaches contractors how to reduce risks in and around water, prevent accidents and chemical hazards, manage water problems, and how to maintain disinfection and pH water balance correctly. In Ontario, theHealth Protection and Promotion Actstates, “Every operator shall be trained in public pool and public spa operation and maintenance, filtration systems, water chemistry and all relevant safety and emergency procedures. ”2. Obtain the necessary business licensesYou need to have a business licence for your company to operate... --- ### 6 Best Website Builders for Small Businesses > Every established small business or startup needs to have a website to attract customers, but not all business owners, entrepreneurs, and self-employed professionals are comfortable designing and creating a site from scratch. See our suggestions for how to get online easily and affordably. - Published: 2022-04-13 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/6-best-website-builders-for-small-businesses - Categories: Small Business Tips, Startup Tips - Tags: baby product, business startup, ecommerce Every established small business or startup needs to have a website to attract customers, but not all business owners, entrepreneurs, and self-employed professionals are comfortable designing and creating a site from scratch. See our suggestions for how to get online easily and affordably. One of the most widely known and influential thinkers on business management, Peter F. Drucker, once wrote, “the purpose of business is to create and keep a customer”. That simple, undeniable truth involves many elements, and in today’s business world, that inarguably includes having a small business website. Without it, how will your target customers know you exist? Social media alone won’t cut it. Nor will traditional advertising and word-of-mouth. A combination of all four certainly will, but it’s a website that serves as your marketing and advertising foundation. Moreover, the benefits of having a website for your small business include: It gives your company credibility and legitimacy. As you know, first impressions are everything. It gives your customers the comfort that yours is a real business. https://www. zensurance. com/wp-content/uploads/2022/04/websitedesign. jpg A site helps you establish your small business brand and differentiates you from your competitors. It makes it easy for people to find you online and increases their chances of purchasing your products or services. It serves as your 24/7 customer service tool. If someone wants to know where you’re located, your hours of operation, learn about your company and its services, or contact you, a website facilitates all of the above. If you usesocial media networks like Instagramor intend to engage in other forms of digital marketing such as email marketing, you’ll need to drive that online traffic somewhere: to your small business website. That begs the question: how to build a small business website? Unless you have... --- ### Payment Processors: 5 Ways to Reduce Credit Card Processing Fees > As your small business grows, the fees you pay to process credit card payments may rise. Here’s how you can reduce your credit card processing fees whether you use a payment aggregator or merchant account provider. - Published: 2022-04-11 - Modified: 2023-02-13 - URL: https://www.zensurance.com/blog/payment-processors-5-ways-to-reduce-credit-card-processing-fees - Categories: Finance - Tags: business credit card, credit card processor, payment processor As your small business grows, the fees you pay to process credit card payments may rise. Here’s how you can reduce your credit card processing fees whether you use a payment aggregator or merchant account provider. Small business owners’ goals vary. When most people first launch a small business venture, they do so with a set of goals in mind. Some want to grow their startups into massive corporate giants; others look to earn a steady income and establish a healthy work-life balance, while others focus on providing good-paying jobs to the people in their communities. No matter the reason for starting your small business, there is one common requirement all small business owners have to attain their goals: a dependence on steady cash flow. Accepting credit card paymentsrepresents a large portion of cash flow for many businesses. Canadian consumers are increasingly shifting away from paying for goods and services in cash, and the pandemic has accelerated that shift. One report notes that 43% of Canadians say the pandemic changed their payment preferences to digital and contactless for the long term. https://www. zensurance. com/wp-content/uploads/2022/04/paymentprocessor. jpghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related PostsAs a company grows, its credit card processing needs evolve. Many new businesses start by opening processing accounts with payment aggregators, such as Stripe, Square, and PayPal. These service providers allow startup businesses to accept credit cards from their customers without setting up a merchant account and making money by charging transaction fees and taking a percentage of their card sales. They’re easy to open, have no contracts, and importantly, charge no minimum monthly fees. However, their most significant drawback is high processing rates. That may not be painful initially, but that processing rate becomes a more... --- ### How to Start a Landscaping Business > Learn what it takes to start, manage, and run a profitable landscaping business in Canada. - Published: 2022-04-08 - Modified: 2023-10-25 - URL: https://www.zensurance.com/blog/how-to-start-a-landscaping-business - Categories: Startup Tips - Tags: business insurance, commercial insurance, landscaping business, landscaping career, landscaping insurance If you’re a fan of the outdoors and don’t have seasonal allergies, landscaping might be the right career choice for you. Learn what it takes to start, manage, and run a profitable landscaping business. Summer is just around the corner, which is the time when many homeowners are looking to beautify their outdoor spaces. It can be as simple as hiring someone to take care of their lawn on a regular basis to having a new deck or fence built. In those cases, they’ll turn to someone in the landscaping business. According to Innovation, Science and Economic Development Canada, there weremore than 23,000 landscaping businessesin 2020. The government notes that four out of every five landscaping businesses were profitable that year. And market research firm IBISWorld predicts the landscaping services industry will rake in $13. 8 billion in revenue in 2022. The industry has grown an average of 5% a year over the past five years. With those favourable numbers and a low barrier to entry, you may have thought about starting a landscaping business. If you’re a fan of the outdoors and don’t have seasonal allergies, this might be the right career choice for you. Learn what it takes to start, manage, and run a profitable landscaping business. https://www. zensurance. com/wp-content/uploads/2022/04/landscaper. jpg Steps to Take to Start a Landscaping BusinessFirst, you should decide which landscaping services to provide. If you’re the only one involved and have little to no experience, you may want to consider what tasks you can perform on your own. For instance, gardening and mowing will likely be easy for most people. On the other hand, if you haven’t built a deck or fence before and can’t hire anyone to... --- ### Places of Worship: Your Guide to Ecclesiastical Insurance > Whether at a church, temple, synagogue, mosque, or chapel, religious and community gatherings are typically large, varied, and may pose several legal risks from which even places of sanctuary are not immune. Learn about the primary risks faith-based organizations face. - Published: 2022-04-06 - Modified: 2024-04-23 - URL: https://www.zensurance.com/blog/places-of-worship-your-guide-to-ecclesiastical-insurance - Categories: Insurance - Tags: business insurance, church insurance, commercial insurance, ecclesiastical insurance Whether at a church, temple, synagogue, mosque, or chapel, religious and community gatherings are typically large, varied, and may pose several legal risks from which even places of sanctuary are not immune. Learn about the primary risks faith-based organizations face. Our places of worship are revered, quiet houses of prayer, reflection, and spiritual meditation. They are also gathering places to celebrate weddings, religious holidays, community events and host funerals and memorials. Though the pandemic may have changed how Canadians interact with religious services, data suggests that 74% of Canadians who identify with a religious denomination want a return to pre-pandemic levels of in-person worship, but only 37% expect things to return to how they were before COVID-19. Nevertheless, whether at a church, temple, synagogue, mosque, or chapel, religious and community gatherings are typically large, varied, and may pose several legal risks from which even places of sanctuary are not immune. That’s why these organizations, their boards of directors, and employees need achurch insurance policyto protect them from the myriad of liabilities they face. After all, places of worship operate as non-profit organizations, and they tend to face public scrutiny. https://www. zensurance. com/wp-content/uploads/2022/04/church. jpgIn general, there are six types of liable risks faith-based organizations face that should be addressed:1. Protecting the PropertyBuildings that house religious organizations tend to feature ornate furniture, stained glass windows, expensive or historical property, including organs, pianos, sound systems, religious artifacts, and gold and silver items. Like any non-profit, charitable organization, or private enterprise, the buildings, furnishings, and contents of any place of worship requires commercial property insurance. It is designed to provide financial support for damage or loss resulting from severe weather, fire, flood, or theft. 2. Protecting Business VehiclesDoes your religious organization have a van... --- ### How to Start a Consulting Business in Canada > Thinking of setting up a consulting business? Get an overview of the steps you need to take to kickstart your independent consultancy and position yourself for success. - Published: 2022-04-04 - Modified: 2022-10-27 - URL: https://www.zensurance.com/blog/how-to-start-a-consulting-business-in-canada - Categories: Startup Tips - Tags: consultant, how to start Thinking of setting up a consulting business? Get an overview of the steps you need to take to kickstart your independent consultancy and position yourself for success. Do you have the expertise and a particular skill set in high demand? For example, are you good at sales, giving presentations, mentoring, or teaching? If you fancy being an expert in a field of your choosing, advising other people or organizations on how they can improve their processes and bottom lines, there’s opportunity aplenty. For example, statistics show that as of 2022, the market size of the management consulting industry is worth $16. 9 billion, an increase of 6. 4% from 2021. But choosing to become a consultant and launching your own business takes forethought, research, and determination. Choosing to be aself-employed professionalor launching a small business is not something to enter into without preparation. Here’s an overview of what you need to do to get your consultancy up and running:https://www. zensurance. com/wp-content/uploads/2022/04/consultant. jpg What Is Consulting? A consultant is an independent professional hired temporarily by a company to help improve some aspect of the business,provide advice and mentoring, or offer unique expertise on a specific matter. What Do Consultants Do? What Are the Different Types of Consultants? If there is a thing that a business needs or wants to do, there is usually an opportunity for a consultant to help. Something that is typically not the company's core business is often where a consultant often comes in. As a consultant,your clients will rely on your experience, advice, and recommendationsas you provide services related to your area of knowledge. These areas of expertise can be very specific and varied.... --- ### How to Start an Instagram Business > More than 33 million Canadians use social media networks regularly, and Instagram ranks as the second-most popular. Here’s how you can get started and use the photo- and video-sharing site to grow your small business. - Published: 2022-04-01 - Modified: 2022-07-20 - URL: https://www.zensurance.com/blog/how-to-start-an-instagram-business - Categories: Startup Tips - Tags: e commerce, esthetician, yoga More than 33 million Canadians use social media networks regularly, and Instagram ranks as the second-most popular. Here’s how you can get started and use the photo- and video-sharing site to grow your small business. Instagram needs no introduction, but it's worth noting that more than a billion people worldwide use the social media platform, with over 500 million opening the app daily. From a business perspective, it is one of the world's largest and most active social marketplaces. Businesses of any size and type can unlock a massive audience by setting up an Instagram business account. As of March 2022, it’s estimated there are more than 33 million Canadians who use social media networks regularly. The three most popular social networks in Canada are Facebook (77% of Canadian social media users are on the platform), Instagram (58% of Canadian social media users), and Twitter (37% of Canadian social media users). In this article, we explain how you can start an Instagram business and how to leverage the platform to grow your audience. https://www. zensurance. com/wp-content/uploads/2022/04/instagram. jpg How to Create an Instagram Business AccountIt may be news to you, but not all Instagram accounts are created equal. To truly benefit your business, make sure you make an Instagram business account rather than a personal account. Business accounts have tools to help you grow your business, including: Providing insights into your posting performance and audience demographics The ability to add a “contact” button to your profile page An option to “boost” posts with Instagram ads The opportunity to create e-commerce posts that allow customers to buy products via Instagram To create an Instagram business account from scratch, do the following: Download the Instagram app for iOS,... --- ### 6 Ways Bookkeeping Helps Small Businesses Grow > Accurate small business bookkeeping helps to ensure your company survives. Here's how maintaining accurate financial records throughout the year can help your venture thrive and grow. - Published: 2022-03-30 - Modified: 2023-01-17 - URL: https://www.zensurance.com/blog/6-ways-bookkeeping-helps-small-businesses-grow - Categories: Insurance - Tags: small business growth Accurate small business bookkeeping helps to ensure your company survives. Here's how maintaining accurate financial records throughout the year can help your venture thrive and grow. Bookkeeping isn’t simply a ‘must-do’ requirement for every small business owner. It’s the vital first step inyour company’s accounting practices. Moreover, it lays the foundation for helping you set a budget, prepare annual tax returns, and more. According to data from CB Insights, the top three reasons new business startups fail are because they run out of money (38%), there’s no market demand for what they offer (35%), or they were outcompeted (20%). One reason for that may be small business owners’ financial literacy. As anIndustry Canadastudy notes, 71% of firms fail because of poor financial planning. https://www. zensurance. com/wp-content/uploads/2022/03/bookkeeping. jpgThere’s an argument to make that financial literacy is a significant factor in determining whether a small business will survive, which, in turn, improves your bookkeeping prowess. Accurate small business bookkeeping helps to ensure your company survives and maintaining accurate financial records throughout the year can also help it thrive and grow. Here are six ways how it helps you do that:1. Helps you determine a budgetYou know you need to have an operating budget for your company. It serves as your financial roadmap. Accurately tracking your monthly income and expenses makes it crucial to determine your budget. 2. Makes filing taxes easier When you go to file a tax return each year, a lot of business owners may have trouble finding all the necessary paperwork and receipts they have to account for what the company earned and paid out. Bookkeeping simplifies that task and can help you avoid making... --- ### How to Do a Contents Inventory for Commercial Property Insurance > Your inventory is a list of all the physical assets and goods that your company needs to operate. Creating a contents inventory is necessary if you must file a claim for damage or loss due to an insured event. Here’s how to do that. - Published: 2022-03-28 - Modified: 2023-08-24 - URL: https://www.zensurance.com/blog/how-to-do-a-contents-inventory-for-commercial-property-insurance - Categories: Insurance - Tags: commercial property, flood Your inventory is a list of all the physical assets and goods that your company needs to operate. Creating a contents inventory is necessary if you must file a claim for damage or loss due to an insured event. Here’s how to do that. When you purchase commercial property coverage as part of your overallbusiness insurancepolicy, one of the things that is covered is your company’s inventory.  Specifically, commercial property insurance includes coverage to repair or replace your merchandise and inventory if damaged by fire or flood or stolen by a burglar. It also provides coverage for replacing or repairing your equipment, electronics, furnishings, and repairs to the building itself.  Often referred to as business contents insurance, when you add this type of coverage to your policy, it’s recommended that you create and maintain an up-to-date contents inventory. Your inventory is a list of all the physical assets and goods that your company needs to operate.  https://www. zensurance. com/wp-content/uploads/2022/03/Bakery-Inventory-List. jpgCreating a contents inventory is necessary if you mustfile a claim for damage or lossdue to an insured event. It allows you to present an accurate, detailed list to your insurance company showing what inventory needs to be replaced. But taking stock of every piece of merchandise and its estimated value at your place of business sounds like a Herculean task. So, how do you do it?  For starters, know that insurance companies categorize the items you have at your office, store, warehouse, or other commercial property as one of the following: inventory, equipment, or business contents. Let’s go over how this works so you can begin to compile your contents inventory. How Do Insurers Categorize Inventory, Equipment, and Business Contents? To gain a better understanding of how insurance companies classify the items you have... --- ### 5 Common Restaurant Insurance Claims > Running a safe restaurant is crucial to your business's success. For that reason, the more you know about the potential hazards, the better you can protect yourself and your customers. - Published: 2022-03-23 - Modified: 2022-08-08 - URL: https://www.zensurance.com/blog/common-restaurant-insurance-claims - Categories: Insurance - Tags: food truck, restaurant insurance, restaurant insurance claims Running a safe restaurant is crucial to your business's success. For that reason, the more you know about the potential hazards, the better you can protect yourself and your customers. Realizing the dream of opening a restaurant entails a lot of extensive planning. For instance, you need to think about the menu and atmosphere that combine to form the dining experience you want your customers to have. However, some aspiring restaurant owners may not be thinking about the other aspects of the restaurant business, such as protecting it from damage, injury liability, equipment breakdowns, theft, and vandalism. Restaurants have a higher risk of occupational hazards and damages than some other types of businesses, and they make up a considerable portion of insurance claims. Running a safe restaurant is crucial to your business's success. For that reason, the more you know about the potential hazards, the better you can protect yourself withprotect yourself with restaurant insurancefor things beyond your control. After all, an ounce of prevention is worth a pound of cure. https://www. zensurance. com/wp-content/uploads/2019/12/restaurant-liability. jpgWith that in mind, here are some of the most common business insurance claims filed by restaurants and eateries and how to reduce the chance of any of them happening to your business:1. Kitchen Fire DamageRestaurant kitchens have numerous heating elements that can trigger a fire. Once a fire catches, it spreads quickly and can cause extensive property loss. Prevent and minimize the risk of fire and the resulting damage with these tips: Cleaning. Follow a strict schedule for all equipment to keep grease build-up in check. Pay specific attention to oven hoods and ventilation systems, grills and deep fryers, and grease traps. Routine tidying. Throughout... --- ### 12 Safety Tips for Campground Owners > An estimated 3.1 million Canadian households plan to go camping this year and more than 500,000 plan to camp for the first time. Here’s how campground and RV park owners can get ready for the season and protect their businesses. - Published: 2022-03-16 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/12-safety-tips-for-campground-owners - Categories: Small Business Tips - Tags: campground and RV insurance, campground insurance, daycare, RV park insurance An estimated 3.1 million Canadian households plan to go camping this year and more than 500,000 plan to camp for the first time. Here’s how campground and RV park owners can get ready for the season and protect their businesses. Is it too soon to think about the summer? Summer is just three months away, which means that camping season is near. Camping is a wildly popular activity, and it’s estimated that more than 3 million Canadian households spent time in the great outdoors last year. One report suggests Canadian campers are ready and eager to get out and reconnect with nature and each other this summer, with 67% saying they want to get out and camp immediately or very soon. An estimated 3. 1 million Canadian households plan to go camping in 2022, and more than 500,000 plan to camp for the first time. As an owner of one of the approximately 2,500 RV parks and campgrounds across the country, you should start preparing for your guests. That includes purchasing acampground or RV park insurancepolicy to protect your business. Here are 12 campground management tips to help visitors enjoy themselves and keep both guests and your business safe:https://www. zensurance. com/wp-content/uploads/2022/03/Summercampkids. jpg 1. Provide electrical hookupsWhile many campers want to rough it, they should have access to electricity to charge their phones if they need to call someone in the event of an emergency. RV campers will also need an electrical hookup for power. You should have a professional electrician install what’s required to ensure that everything’s up to code and meets the requirements for campgrounds. 2. Install fire pits in a clear areaRoasting marshmallows over a fire is a camping tradition. You should dig a pit in an open... --- ### 8 Ways to Protect Your Business from Severe Weather > The cost of severe weather events across Canada reached $2.1 billion in damages in 2021. Rebounding quickly from drastic weather calls for a forward-looking strategy to protect your business, employees, and customers. Here’s what you should know. - Published: 2022-03-14 - Modified: 2023-09-05 - URL: https://www.zensurance.com/blog/8-ways-to-protect-your-business-from-severe-weather - Categories: Insurance - Tags: business insurance, extreme weather, protect your business weather, severe weather The cost of severe weather events across Canada reached $2.1 billion in damages in 2021. Rebounding quickly from drastic weather calls for a forward-looking strategy to protect your business, employees, and customers. Here’s what you should know. Though the return of spring is not far off (hooray! ), you never know when the weather can take a turn. From ice and snowstorms to heavy rainfall, high winds, floods, or wildfires, nature’s fury can catch anyone off-guard and have a devastating impact on yourcommercial property. We all know a major storm can shut a small business down with little to no warning, whether due to an ongoing power outage or worse. And in an era of climate change, when storms are becoming more frequent and increasingly severe, no business owner can take the chance of being ill-prepared for when extreme weather hits. Data cited by theInsurance Bureau of Canada (IBC)finds the cost of severe weather events across Canada reached $2. 1 billion in damages in 2021. The floods in B. C. and the fierce hailstorm in Calgary last year rank as the sixth costliest weather events in this country since 1998. The Fort McMurray, Alberta, wildfire in 2016 stands as the most expensive in damages inflicted at an estimated $5. 4 billion. https://www. zensurance. com/wp-content/uploads/2022/03/extremeweatherTO. jpgEnduring, surviving, and rebounding quickly from drastic weather calls for a forward-looking strategy to protect your business, employees, and customers. Here are eight ways you can help protect your commercial property from extreme weather throughout the year and hopefully avoid having tofile an insurance claim:1. Know What the Risks AreThink about the types of natural disasters or severe weather that is likely to affect the area where your business is located. For instance,... --- ### Returning to Work: Is Your Business Protected After COVID-19? > Before you swing open the doors to the public and employees, it’s worthwhile to contemplate how your company has changed and what it needs to do differently to operate safely. - Published: 2022-03-11 - Modified: 2023-06-22 - URL: https://www.zensurance.com/blog/returning-to-work-is-your-business-protected-after-covid-19 - Categories: Small Business Tips - Tags: COVID-19, return to work, returning to work, umbrella insurance Before you swing open the doors to the public and employees, it’s worthwhile to contemplate how your company has changed and what it needs to do differently to operate safely. As business owners reopen their workplaces to welcome back employees and customers now that most pandemic-related restrictions are lifted across the country, there’s a need to look closely at how business has changed over the past several months of remote working. Some of your employees may not be ready to return to an office or place of business after working from home for close to two years. They may have concerns that their newfound work-life balance will be altered by commuting to a workplace and giving up the flexibility remote working provides. Use it as an opportunity to enhance your employees’ happiness and gradually re-introduce them into the workplace. Of note, a KPMG Canada survey finds 54% of Canadians are afraid to return to a physical workspace, and six in 10 will refuse to go back if they feel it’s not safe enough. That said, 72% say they’re okay with returning to work so long as COVID cases remain low. https://www. zensurance. com/wp-content/uploads/2022/03/returntowork. jpgMoreover, how have your business’s operations changed? Before you swing open the doors to the public, it’s worthwhile to contemplate what your company is doing differently. For example, what new products or services have you introduced? Or have you increased or decreased your employee headcount? Matt Jardine, a licensed insurance broker at Zensurance, told theRed Deer News Nowrecently that the business landscape has shifted. For business owners, that means re-evaluating where their organizations are so they’re prepared for the weeks and months ahead. “We’re in a new... --- ### Digital Marketing for Plumbers: How to Grow Your Business > Plumbers are trained to know the ins and outs of water pipes and how to find and fix leaks. But marketing may be a head-scratcher. Here’s how you can gain more customers and stand out from the competition. - Published: 2022-03-09 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/digital-marketing-for-plumbers-how-to-grow-your-business - Categories: Small Business Tips - Tags: insurance for plumbers, marketing, marketing for plumbers, plumber Plumbers are trained to know the ins and outs of water pipes and how to find and fix leaks. But marketing may be a head-scratcher. Here’s how you can gain more customers and stand out from the competition. Plumbers: we all need one eventually. And when we do, it’s often due to an unexpected and urgent issue. There’s nothing quite like waking up to a burst pipe flooding the basement to make us quickly realize how valuable and necessary plumbers are. So, it’s no surprise that being an independent plumber in Canada can be a lucrative trade. But it can also be challenging, especially if you are starting out, to learn the ins and outs of the business side, how to gain new customers, how to differentiate, and even what kind of training and certification you need. Skilled tradespeople like plumbers have always played a key role in Canada’s economy, but they’re becoming more critical than ever. Over the past couple of years, the COVID-19 pandemic interrupted many training programs, putting a strain on labour markets. But even before that, Canada has been struggling to maintain a steady flow of skilled tradespeople, according toa report by RBC. https://www. zensurance. com/wp-content/uploads/2022/03/plumber1. jpgAbout 700,000 in Canada are expected to retire in the next few years, and there is still uncertainty over how many workers and apprentices will return to pre-pandemic programs and jobs. Suffice to say that plumbers will continue to be in demand. Plumbing Jobs, Training, and CertificationPlumbers do a lot more than fix leaky pipes or install new fixtures. They also have other skills like interpreting blueprints and drawings, preparing cost estimates and supervising and apprenticing other workers. Typically, what you will need for the job includes completing... --- ### How to Open an Etsy Shop > Eager to establish your startup business using Etsy, the e-commerce marketplace? Read our detailed guide on how to get your Etsy store online and positioned for success. - Published: 2022-03-07 - Modified: 2024-08-26 - URL: https://www.zensurance.com/blog/how-to-open-an-etsy-shop - Categories: Small Business Tips - Tags: baby product, e commerce, How To Eager to establish your startup business using Etsy, the e-commerce marketplace? Read our detailed guide on how to get your Etsy store online and positioned for success. Whether it’s a side hustle or a full-time small business venture, thousands of independent Canadian creators use Etsy, an e-commerce platform, to sell their goods.  It can serve as an on-ramp for creative entrepreneurs, designers, and makers to market their products online to the broader world. According to Etsy, more than $10 billion worth of goods were sold on the platform in 2020, and it’s estimated there are about199,000 active Canadian Etsy sellersas of 2021. Of Canadian entrepreneurs on the platform, 97% are home-based businesses, and 83% are sole proprietors.  Is Etsy the right e-commerce marketplace for your independent business or startup venture? The answer to that question becomes apparent with a greater understanding of Etsy and how you can use it to sell your merchandise. https://www. zensurance. com/wp-content/uploads/2022/03/Etsy-Business-Owner. jpeg 1. What Is Etsy? 2. What Can I Sell on Etsy? 3. Do You Need a Business Licence to Sell on Etsy? 4. How Much Does It Cost to Open an Etsy Shop in Canada? 5. What Kind of Business Insurance Do Etsy Sellers Need? 6. What Are Etsy’s Subscription Fees and Plans? What Is Etsy? Etsy is an online marketplace founded in 2005 that allows independent creators to open digital shops and sell a wide variety of handmade, custom-made, and vintage items. Etsy is designed for all creators and artists to share and sell their products. What Can I Sell on Etsy? Etsy’s shops and creators focus on handmade, custom-made, or vintage items. However, the categories are endless. You... --- ### 4 CASL-Compliant Ways to Use Email Marketing to Grow Your Business > Email marketing is one of the fastest and most cost-efficient ways to capture the attention of potential customers. Learn 4 CASL-Compliant ways to grow your business through email marketing. - Published: 2022-03-04 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/4-casl-compliant-ways-to-use-email-marketing-to-grow-your-business - Categories: Small Business Tips - Tags: Email marketing, freelance writer, marketing, yoga Email marketing is one of the fastest and most cost-efficient ways to capture the attention of potential customers. Learn 4 CASL-Compliant tips to grow your business through email marketing. Unless you’ve been living under a rock for the past decade, you’re likely aware that email marketing is one of the fastest and most cost-efficient ways to capture the attention of potential customers. However, before you click “send” you need to understand the importance of staying in compliance when you send marketing emails and other commercial electronic messages (CEMs), such as text messages.  In 2014, Canada's anti-spam legislation (CASL) was created to clearly define the best practices in email marketing and combat spam in Canada. If your business is found to be in violation of CASL regulations, it can be penalized up to a hefty $10 million per violation.  https://www. zensurance. com/wp-content/uploads/2022/03/Business-Owner-Email-Marketing. jpg How do you stay within the regulations of CASL? Firstly, you needimpliedorexpressconsent from any recipient before sending them a marketing email.   Express consent means you received either written or verbal permission to contact the recipient (e. g. they checked a box to receive marketing emails from your company when making an account).   Implied consent is a little less straightforward, but it can mean you already have a business relationship with the recipient, for example.   Learn more about the definitions of implied and express consent directly from thegovernment’s information about consent. Secondly, you need to ensure your communications aren’t engaging in prohibited behaviours, such as the following:   Installing computer programs without consent (e. g. clicking a link in your email unknowingly downloads software or updates) Includes false or misleading information (e. g. advertising promotions that... --- ### Your Small Business May Be Vulnerable to Cybercrime > Putting so much emphasis on digital practices has left us vulnerable to cyber-attacks. Find out how you can protect your small business. - Published: 2022-02-28 - Modified: 2023-08-29 - URL: https://www.zensurance.com/blog/your-small-business-may-be-vulnerable-to-cybercrime - Categories: Cybersecurity - Tags: cybersecurity, esthetician An online presence is more crucial than ever before for small businesses in Canada to pivot and survive the challenges the pandemic has presented. But putting so much emphasis on digital practices has left us vulnerable to cyber-attacks. Find out how you can protect your small business. The COVID-19 restrictions and economic challenges of the past two years have created the need for small businesses to pivot, reinvent, and rely on internet connectivity and e-commerce, unlike previously.  From remote work to virtual meetings to quickly learning how to sell goods and services online, this pandemic-driven shift to the digital world has left small businesses significantly more vulnerable to cybercrime. To make matters worse, business owners may not even realize they have become a primary target.  Though the number of cybersecurity incidents reported in Canada has been steadily growing,one studyfinds exponential growth in cyber-attacks throughout 2021.  Because the pandemic has accelerated the digitization of almost every aspect of our lives, we are now experiencing the associated cybersecurity ramifications of a hastily organized digitized world. With this comes an urgent need for better cyber preparedness and vigilance across all industries and organizations. https://www. zensurance. com/wp-content/uploads/2022/02/Small-Business-Cybercrime. jpg How Serious a Problem Is Cybercrime? Cyber risk is particularly dangerous and challenging because of how interconnected it is. It only takes one security chink in the supply chain’s armour for all entities within that chain to be negatively impacted by the attack, including the customers of that small business. And yet, research shows that almost half of Canadiansmall businesses lack cybersecurity protection.  Studies and reports have shown a significant rise of cyber-attacks in several areas. It costs Canadian small businesses in a big way in the form of lost or exposed data, countless hours of time, legal issues, and broken trust –... --- ### What You Need to Know About Vacant Commercial Property Insurance > As small businesses shutter temporarily or permanently because of the pandemic, it’s having a knock-on effect on commercial property owners who rely on leasing their spaces to business owners. Here’s what you can do about it. - Published: 2022-02-18 - Modified: 2022-12-06 - URL: https://www.zensurance.com/blog/what-you-need-to-know-about-vacant-commercial-property-insurance - Categories: Insurance - Tags: business insurance, business property, commercial property, landlord insurance, recession, vacant commercial property insurance As small businesses shutter temporarily or permanently because of the pandemic, it’s having a knock-on effect on commercial property owners who rely on leasing their spaces to business owners. Here’s what you can do about it. It’s common for owners of commercial properties who rent their spaces to a tenant business (a small business owner who rents or leases a building to run a business) to be occasionally stuck with a vacant property. It happens. But because of the pandemic, the past two years have been particularly rough on small businesses, including commercial property owners. As reported byCBC News, a survey conducted by the Canadian Federation of Independent Business in January 2021 shows one in six small business owners, or about 181,000 small businesses, are on the cusp of shutting down permanently because of COVID-19 and related supply chain issues. As those small businesses shutter temporarily or permanently, it’s having a knock-on effect on commercial property owners who rely on leasing their spaces to business owners. While there is hope on the horizon as provincial governments once again reduce or drop their respective public health mandates to ramp the economy back up, commercial property owners may still be left with vacant buildings for which they’re struggling to find tenants. https://www. zensurance. com/wp-content/uploads/2022/02/Closed-retail-store. jpgSo, what can commercial property owners do to protect their properties that are vacant or unoccupied for long stretches of time? The answer is addingvacant property insuranceto their existing policies.  Here are a few frequently asked questions and answers about vacant business property insurance:What Is Vacant Property Insurance and Why Is It Important? Vacant property insurance is a special type of coverage for small business owners whose properties are uninhabited or considered vacant for... --- ### Do Contractors Need Professional Liability Insurance? > The lines of responsibility between design firms and contractors are blurring, meaning contractors are assuming risks that their insurance policies may not adequately address. Here’s why you need professional liability protection. - Published: 2022-02-16 - Modified: 2023-09-14 - URL: https://www.zensurance.com/blog/do-contractors-need-professional-liability-insurance - Categories: Insurance - Tags: construction insurance, contractor insurance, tradesman The lines of responsibility between design firms and contractors are blurring, meaning contractors are assuming risks that their insurance policies may not adequately address. Here’s why you need professional liability protection. General contractors know they need to be insured before providing any service to the public. For example,builder’s risk insuranceis a must-have when building or renovating a residential property, as aretools and equipment insuranceandcommercial general liability (CGL) insurance. But the lines of responsibility between design firms and contractors are blurring, meaning contractors are assuming risks that their insurance policies may not adequately address. Many construction projects utilize design-build as a project delivery method. That is forcing contractors to take on design liability, either directly or indirectly, in turn, increasing their professional liability exposure. That can leave general contractors exposed to wildly expensive errors or lawsuits that could be financially devastating if they lack professional liability coverage. https://www. zensurance. com/wp-content/uploads/2022/02/Contractor. jpg Professional liability insurance, or errors and omissions (E&O) insurance, provides coverage that protects both contractors and other professionals you hire. It protects you and your employees if a mistake is made on the job, and it accounts for other losses during a building project. Errors, omissions, or negligence in the professional services you provide can result in project delays, budget overruns, revisions, and third-party bodily injury or property damage. Why Contractor’s Professional Liability Insurance MattersEvery contractor is expected to provide quality work, expertise, and skill regardless of the type of work they do, be it a plumber, electrician, builder, or general contractor. Your customers rely on your skills, advice, and standard of care. If you fail to deliver that standard of care, make a mistake, or give poor advice, you could... --- ### How to Start a Photography Business > Your primary motivation to start a photography business isn’t to be a business owner necessarily. It’s to take high-quality photos and make a living off them. Read our guide on what to do to launch your photography career. - Published: 2022-02-11 - Modified: 2022-10-21 - URL: https://www.zensurance.com/blog/how-to-start-a-photography-business - Categories: Startup Tips - Tags: business insurance, how to start, photographer insurance, photography insurance, start a photography business Your primary motivation to start a photography business isn’t to be a business owner necessarily. It’s to take high-quality photos and make a living off them. Read our guide on what to do to launch your photography career. The smartphones and other mobile devices we use today are equipped with sophisticated cameras, but they don’t automatically make everyone a professional photographer. Capturing that ‘perfect moment’ involves a lot more than holding a phone steady, clicking a button, and applying an image filter.  Your primary motivation to start a photography business isn’t to be a business owner necessarily. Instead, it’s to take high-quality photos and make a living off them. The problem is there’s a lot of legwork involved with doing so. Like it or not, all the aspects of running and managing a burgeoning small business eventually come into play if you’re going to be a successful professional photographer. This guide will outline everything you need to start a photography business. https://www. zensurance. com/wp-content/uploads/2022/02/NaturePhotographer. jpg1. What Is a Photographer? 2. What Types of Photography Services Should You Offer? 3. Starting a Successful Photography Business 4. How Much to Charge for Photography Services 5. What Kind of Equipment Do You Need to Start a Photography Business? 6. Five Ways to Protect Your Photography Business What Is a Photographer? A photographer works closely with clients to capture photos of people, places, and things using creativity and technical abilities in photographic equipment and photo manipulation software. They also suggest creative ideas and solutions to achieve desired results and provide their clients with professional images. Their responsibilities include taking photos at locations or in a studio, reviewing and editing photos to select the best images, and operating equipment ranging from cameras, lenses, and... --- ### 8 Essential Traits to Become a Successful Entrepreneur > According to Statistics Canada, approximately one-third of businesses are no longer around after five years. Here are a few of the characteristics that every entrepreneur should have to endure and be successful. - Published: 2022-02-09 - Modified: 2023-01-27 - URL: https://www.zensurance.com/blog/8-essential-traits-to-become-a-successful-entrepreneur - Categories: Small Business Tips - Tags: business ontario, entrepreneur, fintech, successful entrepreneur, yoga According to Statistics Canada, approximately one-third of businesses are no longer around after five years. Here are a few of the characteristics that every entrepreneur should have to endure and be successful. While lockdowns and restrictions have been hard for many businesses, a study finds that nearly 2 million Canadians became entrepreneurs in the 12 months following the start of the pandemic. The primary reasons these entrepreneurs started a business were having more spare time, increased financial pressures due to the pandemic, or being laid off. In addition, some of these new companies arehome-based businesses. Becoming an entrepreneur can have its ups as well as its downs. According to Statistics Canada, approximately one-third of businesses are no longer around after five years. And more than half don’t last longer than 10 years. There's also a lot more work to do when you're the boss, such as handling bookkeeping and gettingbusiness insurance. https://www. zensurance. com/wp-content/uploads/2022/02/Woman-Entrepreneur. jpgDespite the negatives, entrepreneurs share some traits that help them become successful. Here are a few of the characteristics that every entrepreneur should have:1. PassionEntrepreneurs must be passionate about what they want to do. The more you love your job, the more likely you’ll be successful. Being passionate will keep you motivated to keep going no matter how difficult it is to start and run a business. Not liking what you do is a recipe for disaster, especially if you’re running the show. 2. Strong work ethicManaging your own business means the 40-hour workweek is a thing of the past. Working on evenings, weekends, and holidays will likely be part of the job because you’ll have much more work to do. Also, your responsibilities will increase. As your... --- ### The Great Resignation: 5 Business Startup Ideas > The pandemic hasn’t induced Canadians to quit their jobs in droves like our American friends. However, the entrepreneurial spirit is alive and well, with 2 million Canucks launching small businesses in recent months. Here are five ideas to ponder if you’re looking to go it alone. - Published: 2022-02-07 - Modified: 2024-08-26 - URL: https://www.zensurance.com/blog/5-business-startup-ideas - Categories: Small Business Tips - Tags: business startup ideas, entrepreneur ideas, great resignation, new business ideas The pandemic hasn’t induced Canadians to quit their jobs in droves like our American friends. However, the entrepreneurial spirit is alive and well, with 2 million Canucks launching small businesses in recent months. Here are five ideas to ponder if you’re looking to go it alone. Though scores of our American neighbours have or are leaving their jobs – many to go into business for themselves – the COVID-19 induced phenomenon doesn’t appear to be occurring in Canada. Dubbed the ‘Great Resignation’ (a term used to describe a massive employee exodus from their workplaces), it reflects workers’ dissatisfaction with their existing jobs. But, if anything, maybe it should be called the ‘great reassessment’ in Canada, as the ongoing global pandemic encourages people to rethink their careers, work-life balance, long-term goals, and working conditions. According to data compiled by Statistics Canada in January 2022 through its Labour Force Survey, fewer than one in 10 workers aged 15 to 69 (7. 3%) were planning to leave their current job within the next 12 months, compared with 16. 1% in 2016. However, of those planning on leaving their jobs and why 15. 7% cite low pay, 4. 3% say it’s because of a heavy workload, and 2. 2% will make a move since they cannot work from home in their current role. A further 24% cite a career change as the primary reason for planning to leave their current jobs. https://www. zensurance. com/wp-content/uploads/2022/02/entrepreneur. jpgMeanwhile, “The Future of Entrepreneurship in Canada 2021” report by QuickBooks found 2 million Canadian entrepreneurs started a business or side hustle during COVID-19. Of those startups, 59% of entrepreneurs sell goods or services online, and 37% operate online exclusively, suggesting the pandemic may have accelerated the so-called digital disruption that many industries were experiencing before... --- ### How to Start a Cleaning Business (and Mop Up the Competition) > Striking out on your own by launching a cleaning business? With workplace and residential hygiene and safety being top-of-mind, now may be the time to kickstart your dream into reality. Here are five steps to take to get your cleaning business up and running. - Published: 2022-01-31 - Modified: 2024-08-26 - URL: https://www.zensurance.com/blog/how-to-start-a-cleaning-business - Categories: Startup Tips - Tags: cleaning business insurance, how to start, janitorial insurance, professional cleaner insurance Striking out on your own by launching a cleaning business? With workplace and residential hygiene and safety being top-of-mind, now may be the time to kickstart your dream into reality. Here are five steps to take to get your cleaning business up and running. Under the weight of the ongoing pandemic, many Canadians took matters into their own hands by launching startup businesses. Data from mid-2021suggests one in five (21%) of Canadian entrepreneurs, or 1. 9 million people, started their businesses within the past year. Many did so because they had more spare time during the pandemic, were laid off, or felt financial pressures. Furthermore, 72% of Canadians who launched a new business in 2020 say they started one as a side hustle, and most (73%) are optimistic about what the future holds. Cleaning businesses are proving to be somewhat resilient to the ebb and flow of the economic impacts of the pandemic. It’s potentially one type of small business that can withstand office and workplace closures and a shift to remote work since companies still invest in professional cleaning services to keep their employees safe when they do head to an office. It also encompasses a broad range of services, including floor and carpet cleaning, vacuuming, window washing, upholstery cleaning, and other services in both commercial and residential settings. https://www. zensurance. com/wp-content/uploads/2022/01/ProfessionalCleaner. jpghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts CategoriesAnd in a time when combatting COVID-19 and encouraging employees to return to a workplace has raised awareness about workplace hygiene and ensuring the work environment is safe, the demand for cleaning services hasn’t abated entirely. On the contrary, the global cleaning services market was valued at more than $55 million in 2020 and is projected to grow to more than $111 million by 2030.... --- ### Finding the Right Balance: 6 Tips for Working from Home with Kids > ‘Working parent’ can sound redundant, as there is no end time to parent life, but having a supportive and positive workplace is a possibility. Here are six tips for parents working from home to find a healthy balance to their work weeks. - Published: 2022-01-26 - Modified: 2022-01-26 - URL: https://www.zensurance.com/blog/finding-the-right-balance-6-tips-for-working-from-home-with-kids - Categories: Small Business Tips - Tags: COVID-19, small business, work-life balance, working from home, working from home with kids ‘Working parent’ can sound redundant, as there is no end time to parent life, but having a supportive and positive workplace is a possibility. Here are six tips for parents working from home to find a healthy balance to their work weeks. Manyhome-based businesseshave taken off after the COVID-19 pandemic hit. However, not everyone working from home is running their own business. With school closures and childcare services scarce, parents are left with the extra responsibility of working from home with their kids. A CBC news reportdiscusses how this leaves parents feeling like they are giving only 50% of themselves to their children and 50% to their employer, meaning no one is getting 100% of their efforts. Here are six tips to help parents working from home feel less guilty about how their workday goes:1. Have a plan. Create a fun schedule for your little ones for the upcoming work week on the weekend. For younger kids who are not yet school-aged, divide the day into three parts: learning, playing, and nutrition. Find stimulating, hands-on activities that do not necessarily involve a screen and don’t be afraid to allow them to get messy. Creating this schedule on a big, colourful board with your children is like having them help you cook; they’re much more likely to try it. Don’t feel bad if you do need to use some screen time. If your kids are going through remote learning, be sure to align your schedule with theirs. https://www. zensurance. com/wp-content/uploads/2022/01/wfhkids. jpg 2. Give yourself small breaks. Even the busiest work calendars have time slots to allow for breaks. After completing pressing tasks, reward yourself by stepping away from your workspace and changing your environment. You are getting your work done and parenting your... --- ### Surviving the Pandemic: 5 Tips for Small Businesses > The past two years of lockdowns and restrictions in Canada have been very a bumpy ride for small businesses. But they have also presented important lessons on how to be resilient, adapt, diversify, and find help when needed. - Published: 2022-01-21 - Modified: 2023-08-29 - URL: https://www.zensurance.com/blog/surviving-the-pandemic-5-tips-for-small-businesses - Categories: Small Business Tips - Tags: COVID-19, pandemic tips The past two years of lockdowns and restrictions in Canada have been very a bumpy ride for small businesses. But they have also presented important lessons on how to be resilient, adapt, diversify, and find help when needed. We all know COVID-19 has not been kind to the small business community. And with the latest Omicron variant sweeping the nation, many Canadian cities are again in lockdown or under reduced capacity restrictions. The challenges to these business owners keep coming. It’s been a long ride with dire consequences. By March of 2020, average small business revenues were already down at least 20%, with 40% of Canadian small businesses with five to 19 employees needing to request credit from a financial institution, and nearly 41% of businesses in Canada reporting that they laid off staff, according toStatistics Canada. Moreover, of those businesses that laid off at least one employee, 45% laid off a whopping 80% or more of their workforces in 2020 alone.  These are alarming numbers, but the good news is that business owners have learned a lot about surviving and adapting two years into the pandemic. There are specific actions that you can take today. Here are five tips that can help:https://www. zensurance. com/wp-content/uploads/2022/01/closed. jpg 1. Go digital, communicate, and get socialIt may seem like a no-brainer, but it’s startling to see how many companies do not even update their websites or answer customer questions sent over social media. In these times of uncertainty, when things often change daily, this line of communication is essential. Investing more heavily in a social media presence that is updated regularly will not only keep your relationship going with your customers but allow them to see what your products are. They... --- ### Why Do Accountants Need Professional Liability Insurance? > Accountants are creative number crunchers who generate new ideas and strategies to solve challenging business issues. But much like any small business owner or independent professional, accountants, too, face financial risks. - Published: 2022-01-19 - Modified: 2024-12-18 - URL: https://www.zensurance.com/blog/why-do-accountants-need-professional-liability-insurance - Categories: Insurance - Tags: insurance for accountants Accountants are creative number crunchers who generate new ideas and strategies to solve challenging business issues. But much like any small business owner or independent professional, accountants, too, face financial risks. Accountants may often be unsung heroes in the business world. They take complex, arcane financial data on taxation and budgets and make it digestible, straightforward, and clear. They serve as trusted advisors whose work and opinions help small business owners make informed decisions and avoid costly mistakes and potential risks. Accountants emphasize accuracy, exhibit strong organizational skills, and strive to keep abreast of changing laws and taxes. In addition, they are creative number crunchers who generate new ideas and strategies to solve challenging business issues. But much like any small business owner or independent professional, accountants, too, face financial risks. For example, it’s not uncommon for an accountant to be targeted in a third-party lawsuit by either a client due to financial losses or by their clients’ partners or financial lenders should their businesses go bankrupt. Even a lawsuit without merit can wreak financial and professional havoc on an accountant. That is why all accounting professionals need to protect their finances and reputation with aprofessional liability policy. https://www. zensurance. com/wp-content/uploads/2019/11/professional-liability-insurance. jpghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts What Is Professional Liability Insurance for Accountants? Professional liability insurance, also callederrors and omissions (E&O) insuranceor malpractice insurance, is designed to protect accounting professionals against claims or lawsuits alleging financial loss due to a service you provided, negligence, misconduct, or failure to deliver services as promised. In many provinces, all accountants are required to have insurance. For instance, members of theChartered Professional Accountants of Ontarioare required to carry a minimum of $1 million worth... --- ### 8 Tips for Running a Successful Home-Based Business > If you’re running a small business from home, will your home insurance policy cover you in the event of an accident or unexpected event? In many instances, the answer is ‘no’. Here’s what you should know. - Published: 2022-01-14 - Modified: 2023-07-04 - URL: https://www.zensurance.com/blog/8-tips-for-running-a-successful-home-based-business - Categories: Small Business Tips - Tags: business insurance, daycare, daycare insurance, home business insurance, home-based business, remote work, working from home If you’re running a small business from home, will your home insurance policy cover you in the event of an accident or unexpected event? In many instances, the answer is ‘no’. Here’s what you should know. There are many positives to running a business from your home, including increased autonomy, no commuting, and an improved work-life balance. But as a small business owner, shifting to remote work or starting a new business can be overwhelming and requires discipline and strategic planning.  A 2021 reportfrom Intuit QuickBooks Canada found one in five entrepreneurs (21%) started a small business after the pandemic struck. The report surveyed Canadian entrepreneurs and discovered 39% did so because they had spare time because of the pandemic, 23% because of financial concerns, and 19% did after being laid off from their jobs. And while most entrepreneurs (73%) and aspiring entrepreneurs (76%) are optimistic about the future, almost half (46%) admit to being worried about their finances. Of note, 79% say they intend tosell products and services online. https://www. zensurance. com/wp-content/uploads/2022/01/womanworking. jpgRegardless of the type of startup you’re launching, here are eight home-based business tips to help you get organized, worry less, and make your new venture a success:1. Schedule your week. Get into the habit of scheduling your time throughout each business day and treating it as you would if commuting to an office or workplace. Set daily and weekly priorities to accomplish and strive to complete them. Determine when you will communicate with your customers and partners and when you will get offline and focus on personal and family obligations. 2. Have a dedicated office space. Mobile computing is a wonderful thing. Although it allows you to work wherever you like in... --- ### Getting Ready to Hit the Gym: Is Your Small Business Insurance in Shape? > As your clients are getting ready to get back into shape, is your gym or fitness business up to speed? Learn insurance tips to get your business fit-ready. - Published: 2021-12-15 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/getting-ready-to-hit-the-gym-is-your-small-business-insurance-in-shape - Categories: Insurance - Tags: fitness insurance, gym insurance, gym risk, personal trainer insurance, small business insurance, yoga The Canadian fitness club market ballooned by 1.9% annually since 2016 to be worth $4.4 billion in 2021, and demand is expected to grow. Gyms, fitness centres, yoga instructors, and personal trainers need to be ready for an influx of customers with a strong liability insurance policy. As 2022 approaches, scores of Canadians will commit to a new year’s resolution. For many people, that means focusing on their physical wellness goals by getting into shape. That’s good news for small business gym owners, Pilates and dance studios, personal trainers, yoga instructors, and other fitness training professionals. But it also highlights the need for these small businesses and professionals to ensure they’re adequately covered from the threat of lawsuits or damage claims, whether through agym insurance, personal trainer insurance, oryoga insurancepolicy. Though the latest COVID-19 variant, Omicron, highlights the need to remain vigilant in protecting ourselves and others from the risk of infection, it hasn’t diminished Canadians’ enthusiasm for gyms and fitness centres. Data fromIBIS Worldsuggests the Canadian fitness club market ballooned by 1. 9% annually since 2016 to be worth $4. 4 billion in 2021. Furthermore, adults aged 65 and older comprise one of the largest gym-going demographics. The number of adults in that age bracket who frequent gyms are expected to increase. That represents a significant growth opportunity for small business owners in the industry. https://www. zensurance. com/wp-content/uploads/2021/12/womanexercising. jpgMeanwhile, according to the non-profit organization ParticipACTION’s2018 Pulse Report, Canada is home to one fitness club for every 4,002 people. But that report also cites Statistics Canada data that says only 16% of Canadian adults get the recommended amount of physical activity of 150 minutes of moderate-to-vigorous workouts each week. Thus, despite the high number of gyms and fitness centres nationwide, small business gym owners and personal trainers... --- ### How to File a Small Business Insurance Claim > As your insurance broker, Zensurance assists its small business customers if they need to file a claim for damage or loss following an insured event. Here’s an overview of what happens if you must file a claim, and how we support you throughout the process. - Published: 2021-12-08 - Modified: 2021-12-08 - URL: https://www.zensurance.com/blog/how-to-file-a-small-business-insurance-claim - Categories: Insurance - Tags: filing a claim, insurance claim, small business insurance, small business owners As your insurance broker, Zensurance assists its small business customers if they need to file a claim for damage or loss following an insured event. Here’s an overview of what happens if you must file a claim, and how we support you throughout the process. No small business owner or independent contractor wants to deal with something that has gone awry, such as damages to a commercial property resulting from a fire or flood. But if it does, you’ll be glad you have abusiness insurancepolicy backing you up. After all, that’s why we buy insurance: to help cover the cost of damages or liability for an unexpected mishap. As your insurance broker, Zensurance assists small business customers if they need tofile a claimfor damage or loss following an insured event. In general, it’s worthwhile to take the time to review your insurance policy tounderstand your coverages, rights, and responsibilities. If you don’t have a copy of your policy,contact your Zensurance licensed broker, and they will provide you with it and answer any questions you may have about your coverage. Below is an overview of what you need to do to file a claim with Zensurance and how we help ensure your insurance company provider reviews and processes your claim quickly. How Zensurance Helps When Filing a ClaimAfter experiencing a loss or damage as per your policy, you need to contact your broker as soon as possible. Here’s how to do that and what our customer service team does to help:https://www. zensurance. com/wp-content/uploads/2021/12/womanphone. jpgIf you’re filing a claim between 9 a. m. and 6 p. m. Eastern Time, call our toll-free number (1-888-654-6030) to speak to one of our brokers. You will need to have the following information to give them: The name of your business... --- ### 10 Accounting Tips for Small Business Owners > Save time and money, keep your books balanced, and avoid run-ins with the Canada Revenue Agency with these 10 tips to manage your business’s finances. - Published: 2021-12-06 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/10-accounting-tips-for-small-business-owners - Categories: Finance, Small Business Tips - Tags: accounting tips, lean waste, small business owners, tax Save time and money, keep your books balanced, and avoid run-ins with the Canada Revenue Agency with these 10 tips to manage your business’s finances. Small business owners understand the value of maintaining accurate financial records. Smart, small business accounting practices are an essential part of managing your operations, planning for the future, and avoiding costly errors that catch the attention of the Canada Revenue Agency (CRA). Dealing with unforeseen expenses is often one of the most significant financial challenges small business owners face. Plus, keeping up with accounting-related tasks can get overwhelming quickly if you’re unprepared. From opening a business bank account to accurately recording your expenses to budgeting for the future, here are 10 ways for small business owners to help maintain accurate records and stay focused on growing your business:https://www. zensurance. com/wp-content/uploads/2019/11/business-insurance-accountant. jpg Budget for the Future. Estimate where your business’s income will come from over the next one to three years, and project where you think you will be. It can be tricky since there are factors beyond your control such as inflation or what your customers may do. But it can still help you figure out where to invest your revenue during the offseason when demand for your products or services may be slow. Take stock of what your company may need in the near and long-term future. For instance, do you need to replace your computing systems or acquire new equipment? Planning for major expenses and repairs and maintenance can keep things running efficiently. Use Separate Bank Accounts. Don’t mix your personal finances with business finances. Instead, have separate business and personal bank accounts. A business bank account makes... --- ### How Small Business Data Impacts Insurance Underwriting and Quoting > Sharing your business’s financial data with a licensed broker allows them to provide small business insurance policies faster since they automate the gathering of the information they need - Published: 2021-12-03 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/how-small-business-data-impacts-insurance-underwriting-and-quoting - Categories: Small Business Tips - Tags: financial data, insurance underwriting Sharing your business’s financial data with a licensed broker allows them to provide small business insurance policies faster since they automate the gathering of the information they need Access to your small business’sfinancial data can help automate or speed up the underwriting process, getting you your insurance options faster. Small businesses, especially in harder hit industries, have struggled to get insured in the past year. According to the Canadian Federation of Independent Business, 9% of all small businesses claim they could not find an insurer willing to offer coverage. It’s crucial for small business owners to be able to find and access thesmall business coveragethey need and for the broker to understand the business they’re insuring. The good news is that a brokerage like Zensurance offers a modern (and faster) way to provide coverage to small businesses. Moving away from manual underwriting and submitting data from the small business side saves you time and challenges compiling all this data for the potential insurer. Let’s explore how your business’s financial data can impact your insurance coverage. https://www. zensurance. com/wp-content/uploads/2021/12/underwriting. jpg How Are Small Business Insurance Policies Calculated? Underwriting is the process of assessing therisk your business presents when you apply for insurance, which in turn impacts your coverage and premium. Some of the most common aspects that insurers take into consideration when calculating commercial insurance quotes are: Likelihood to file a claim, which can be based on past behaviour of the business or exposure to risk Operating expenses, revenue, and other financials of the business Your business operations, which may include what you make or sell Your business’s industry Years in operation Location of business headquarters and operation How... --- ### How to Read Your Small Business Insurance Policy Documents > Reading a commercial or business insurance policy can be confusing. Here’s a quick guide on how to cut through the murky terminology and have a clear view of what protections you purchased. - Published: 2021-11-26 - Modified: 2022-07-19 - URL: https://www.zensurance.com/blog/how-to-read-your-small-business-insurance-policy-documents - Categories: Insurance - Tags: additional insured, policy documents, small business insurance, starting a business Reading a commercial or business insurance policy can be confusing. Here’s a quick guide on how to cut through the murky terminology and have a clear view of what protections you purchased. You’ve started a small business, come up with a terrific name and logo, had business cards printed, and designed a website. Congratulations! You’ve spoken to a licensed broker at Zensurance, and they answered every single question you have (there’s no such thing as too many questions! ). Then, finally, you receive your insurance policy documents by email. You go to click on the attachment(s), excited to glance over these policy documents and move on with your day. But after opening the attachment, you realize there are over 100 pages to read. Ugh! All you want to do now is close the attachment and pretend like you didn’t see it. Don’t do that. As intimidating as it can be to sift through and try to decipher the jargon and all theinsurance terms you need to know, here is a quick how-to for reading your insurance documents:https://www. zensurance. com/wp-content/uploads/2021/11/Confused. jpg Understanding Declarations and CoveragesThe first couple of pages are the most important pages to read: Your address  Policy number  Effective and expiration dates  Premium amount Name of the insurance company Claims contact information You always want to make sure all this information on the declaration page is correct. However, as much as your broker has double-checked it, errors can happen, and we want to amend them as soon as possible to ensure you are covered. One important piece of information to look over on the declarations page is the “minimum retained premium”. It will provide a dollar amount, for example $200, or it... --- ### What Kind of Insurance Do Estheticians Need? > Estheticians specialize in skin care and beautification. Whether you work as an independent contractor or run your own spa, you need to protect yourself from the unexpected. Here’s how you can. - Published: 2021-11-22 - Modified: 2023-03-02 - URL: https://www.zensurance.com/blog/what-kind-of-insurance-do-estheticians-need - Categories: Insurance - Tags: beautician, esthetician insurance, estheticians, skin beautification, skin care Estheticians specialize in skin care and beautification. Whether you work as an independent contractor or run your own spa, you need to protect yourself from the unexpected. Here’s how you can. Whether you’re the owner of a spa or an independent esthetician, you face liability risks that need to be covered by a small business insurance policy. Even a minor mistake or slip-up can result in an expensive third-party lawsuit that could prove to be financially devastating. According to Industry Canada, there were 33,702 hair care and esthetic services spas in Canada in 2019 that each generated more than $154,000 in revenue. Furthermore, 40% of consumers are willing to try new beauty products now than before the pandemic, and an estimated 59% of consumers report spending the same amount or more money on skin care products in 2021, according to CB Insights. That’s a noteworthy opportunity for estheticians, or skin care therapists, who perform a wide range of skin beautification and cosmetic services including facials, acne treatments, micro-dermabrasions, cosmetics applications, exfoliation, superficial chemical or ‘lunchtime’ peels, body treatments like wraps and scrubs, and waxing and hair removal. Some estheticians also specialize in medical or oncology esthetics, performing skincare treatments in a dermatologists’ office, medical spa, cosmetic surgery clinic, or hospital. https://www. zensurance. com/wp-content/uploads/2021/11/skincare2. jpghttps://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Related Posts W2dyYXZpdHlmb3JtIGlkPSI1IiB0aXRsZT0idHJ1ZSJdYou work in a field dedicated to helping others look their best. Estheticians typically work in a hair salon, day spa, or medical spa. They pamper their customers and help their skin look brighter, healthier, and more youthful. Regardless of where you practice, getting anesthetician insuranceor spa insurance policy is essential, as it’s your safety net if something does go awry and... --- ### 7 Things for a New Small Business to Know About Commercial Insurance > Knowing the type of commercial or business insurance policy you need to protect your small business can be perplexing, but it doesn’t need to be. Here are seven steps you can take to determine what you need. - Published: 2021-11-19 - Modified: 2022-04-08 - URL: https://www.zensurance.com/blog/7-things-for-a-new-small-business-to-know-about-commercial-insurance - Categories: Insurance - Tags: commercial insurance, small business insurance Knowing the type of commercial or business insurance policy you need to protect your small business can be perplexing, but it doesn’t need to be. Here are seven steps you can take to determine what you need. For new small business owners and sole proprietors, getting acommercial or business insurancepolicy in place to protect your assets may seem challenging. Reading an insurance policy is usually full of industry jargon that can be confusing, which is why having an understanding ofthe most common business insurance termscan help clear the air. In essence, commercial insurance for small business owners typically covers damage or loss from unexpected events as well as legal expense support from the threat of third-party bodily injury or property damage lawsuits. Here are seven things you should know to help ensure you get the right type of coverage for your business at the lowest premium possible:https://www. zensurance. com/wp-content/uploads/2019/11/commercial-insurance-1. jpg 1. Understand your risk exposureThe type of insurance coverage you need should be based on the risks you face. For example,a snow removal companywill need coverage for slip-and-fall injuries, while a spa owner will need medical malpractice coverage. Research claims and risks that are common in your industry, and with that in mind, start looking for an insurance policy that will protect your business from those risks. 2. Find ways to reduce the risks you faceFor each of the risks your small business faces, see if you can mitigate those risks. For example, if you store a lot of customer financial data on your network, consider encrypting your devices and installing firewalls. Doing so reduces the risk of a cyber-attack on your company, as well as potentially reducing the annual premium you pay. 3. Select your policy... --- ### Cybersecurity Essentials: How to Create Strong Passwords > Small businesses may be at a disadvantage having the wherewithal to invest in cybersecurity defences. But there are ways to minimize the threats you face to thwart hackers and scammers. - Published: 2021-11-12 - Modified: 2022-08-11 - URL: https://www.zensurance.com/blog/cybersecurity-essentials-how-to-create-strong-passwords - Categories: Cybersecurity - Tags: cyber liability, cybersecurity, phishing Small businesses may be at a disadvantage having the wherewithal to invest in cybersecurity defences. But there are ways to minimize the threats you face to thwart hackers and scammers. Shoring up your small business’s cybersecurity defences to protect yourself, your customers, and business partners demands strong passwords to safeguard your personal information and assets. According to a 2021 Verizon report, more than 80% of hacking-related data breaches are due to weak or stolen passwords. Unfortunately, cybercrime is a fact of daily life. All small businesses and sole proprietors are at risk of a cyber-attack and can be exposed to one with an errant click on a hyperlink. Simply publishing information about your company online may expose it to a multitude of electronic security breaches. The Royal Canadian Mounted Police (RCMP) defines cybercrime as any time when a cyber element (the internet and technologies such as computers, laptops, and smartphones) is used to commit a crime. Of note, as of September 30, 2021, the Canadian Anti-Fraud Centre (CAFC) has received 56,577 reports of fraud year-to-date from Canadians, with an estimated $163 million lost to fraud. Moreover,47% of Canadian small business ownersadmit they don’t allocate any portion of their operating budgets to implementing cybersecurity defences. https://www. zensurance. com/wp-content/uploads/2021/11/emailpass. jpgSmall businesses and sole proprietors may be at a disadvantage compared to large organizations having the wherewithal to invest in rigid, in-depth cybersecurity defences. But there are ways to minimize the threats you face, and that includes ensuring you and your employees adhere to recommended best practices to thwart hackers and scammers, such as having strong passwords to safeguard the systems and software you use. What Kind of Tactics Do Hackers Use to... --- ### How to Manage a Successful Airbnb or VRBO Business > Getting into (or back into) the short-term rental game through Airbnb or VRBO to bolster your income? Understand the challenges and risks that accompany hosting before you do. Here’s what you should know. - Published: 2021-10-25 - Modified: 2023-08-24 - URL: https://www.zensurance.com/blog/how-to-manage-a-successful-airbnb-or-vrbo-business - Categories: Insurance - Tags: Airbnb, landlord insurance, short-term rental, VRBO Getting into (or back into) the short-term rental game through Airbnb or VRBO to bolster your income? Understand the challenges and risks that accompany hosting before you do. Here’s what you should know. Becoming an Airbnb host and renting out all or a portion of your house, condo, or seasonal property is an attractive way to earn extra income. But simply listing your property on Airbnb or any home-sharing website, such as VRBO, isn’t a guaranteed path to success. Public health restrictions designed to reduce the spread of COVID-19 may be relaxing in some provinces. That may entice property owners to jump in (or jump back in) to the private short-term rental market. But there are potential pitfalls of which to be wary. According to the Hotel Association of Canada, only 17% of Airbnb’s total revenue in Canada is generated by what it calls “true home-sharing”, where the owner is present during the guest’s stay. Approximately 80% comes from hosts renting their entire homes where the owner is not present. Meanwhile, a 2019 McGill Universitystudy finds almost 50% of all Airbnb revenue was generated by commercial operators that manage multiple listings. In addition, nearly half (46%) of all active Airbnb listings in Canada are in Montreal, Toronto, and Vancouver. https://www. zensurance. com/wp-content/uploads/2021/10/Airbnb-ps. jpgInterestingly, municipalities across Canada may be taking a closer look at regulating the short-term rental industry. For example, in North Bay, Ontario, the city council is mulling overcreating a bylawto ensure short-term private property rentals doesn’t exacerbate current housing shortages. In its report, North Bay’s city staff notes Airbnb and VRBO are the top rental platforms, and much of their rapid growth in the region is attributed to “a shift in... --- ### Guide: How to Start a Snow Removal Business in Canada > The snow removal business can be a lucrative one, find out how to strategize in advance to capitalize on the opportunity, and tips to avoid these risks. - Published: 2021-10-19 - Modified: 2023-10-25 - URL: https://www.zensurance.com/blog/how-to-start-a-snow-removal-business-in-canada - Categories: Startup Tips - Tags: contractors, snow removal, snow removal insurance The snow and ice removal business can be a lucrative one, but you need to strategize in advance to capitalize on the opportunity, be aware of the risks, and manage a cash flow crunch. For landscaping, property management, and lawn care companies as well as independent contractors, as autumn fades and winter looms, thoughts turn to ramping up their snow removal operations. But there’s a catch: winter is unpredictable. There’s no surefire way to know if the cold weather will consistently deliver heavy snowfalls. According to theFarmers’ Almanac, the Canadian winter in 2021-22 will be a “yo-yo type of winter with notable polar coaster swings in temperature”. A normal amount of snow in each province is expected, although there will be significant monthly fluctuations across the country. We’ll see our share of major snowstorms and it’s going to get downright frigid at times – no big surprises there. Forsnow removalcompanies, now’s the time to plan and be ready for whatever comes our way from November to May. https://www. zensurance. com/wp-content/uploads/2021/10/snow-plow-2. jpg What to Do If You’re Starting a Snow Removal BusinessThe snow and ice removal business can be a lucrative one, but you need to strategize in advance to capitalize on the opportunity, minimize downtime, and be prepared for a cash flow crunch. After all, this is a seasonal business, and a competitive one. The private snow removal industry in Canada is estimated to be worth $4. 7 billion, with an estimated 40,000 snow removal contractors.   Consider the following as you build your snow removal business plan and plow away your competitors: Know your target market. What type of customers will your business aspire to serve? Whether you intend to target residential properties, commercial,... --- ### Selling Goods Online? Get Product Liability Insurance > Whether you use digital marketplaces like Amazon, Wayfair, and Etsy for your retail business or as a side hustle, you face risks distributing goods online. - Published: 2021-10-15 - Modified: 2024-08-26 - URL: https://www.zensurance.com/blog/selling-goods-online-get-product-liability-insurance - Categories: Insurance - Tags: Amazon sellers, ecommerce, Etsy, product recall, retail, self-employed, shopify Whether you use digital marketplaces like Amazon, Wayfair, and Etsy for your retail business or as a side hustle, you face risks distributing goods online. Selling goods and services online is not new. But it appears the COVID-19 pandemic drove Canadian small business owners and independent sellers to increasingly tap into digital marketplaces such as Amazon, Wayfair, and Etsy. Statistics Canada notes many small businesses shifted their sales operations online at the height of the pandemic. About one in 10 small businesses with one to four employees (10. 7%), five to 19 employees (9%), and 20 to 99 employees (9. 7%) made 50% or more of their total sales online in 2020. By comparison, in 2019, 7. 8% of small businesses with one to four employees, 4. 9% of businesses with five to 19 employees, and 6. 7% of businesses with 20 to 99 employees made 50% or more of their total sales online. https://www. zensurance. com/wp-content/uploads/2021/10/Amazon-product-seller-1. jpegMoreover, according to the “2020 Amazon Canada SMB Impact” report, which zeros in on Canadian small and medium-sized businesses (SMBs) that are Amazon sellers, there were 30,000 third-party sellers actively selling on the digital marketplace, grossing more than $1 billion in 2019. That’s a remarkable 40% year-over-year increase. Moreover, Canadian Amazon sellers earned an average of $110,000 in sales, up from $65,000 one year earlier, and the number of them that surpassed $1 million in sales grew by more than 80% year-over-year. https://www. zensurance. com/wp-content/uploads/2021/10/Amazon-Impact-Report. pngThat’s impressive. But so too are the risks associated for independent sellers and small businesses with selling and distributing products through any digital marketplace. Essentially, any small business is potentially liable for injuries,... --- ### 47% of Canadian Small Businesses Lack Cybersecurity Protection > Online survey finds almost half of small businesses lack necessary cybersecurity defences to repel a cyber-attack. - Published: 2021-10-05 - Modified: 2023-06-22 - URL: https://www.zensurance.com/blog/canadian-small-businesses-lack-cyber-security-protection - Categories: Cybersecurity, Small Business Tips - Tags: cyber liability, cybersecurity, self-employed Online survey finds almost half of small businesses lack necessary cyber security defences to repel a cyber-attack. Hastened by the ongoing pandemic, cyber-attacks on Canadian small businesses are on the rise. Yet, according to the results of an online survey by the Insurance Bureau of Canada (IBC), 47% of small business owners admit they don’t allocate any portion of their annual operating budgets to implementing cybersecurity defences. That uncomfortable finding comes as Cyber Security Awareness Month in October gets underway in Canada. In 2021, 41% of Canadian small businesses that ever suffered a cyber-attack reported that it cost them at least $100,000, up from 37% in 2019, IBC says. However, fewer than half of the businesses surveyed (46%) say they have implemented defences against possible cyber-attacks. Among the key findings in IBC’s “Small Business Cyber Security Survey”: Two-in-10 (21%) small businesses have suffered a cyber-attack in the past. Those that employ between 100-499 people are significantly more likely to have suffered an attack than those with fewer employees or sole proprietorships.  Six-in-10 (60%) feel that their business may be impacted by a cyber-attack or data breach. Three-quarters (75%) state that their business is dependent on their website in some capacity, with nearly half (49%) being at least moderately dependent on it. https://www. zensurance. com/wp-content/uploads/2021/10/Cybersecurity1. jpg"The COVID-19 pandemic has forced many small businesses to adopt digital processes and move some of their traditional business online," says Jordan Brennan, Vice-President, Policy Development, IBC, in apress release. "Unfortunately, this has created increased opportunities for cybercrime. While cyber-attacks on larger businesses receive more media attention, small businesses are also a target... --- ### Three Ways You Can Expand Your Beauty Business During COVID-19 > Beauty businesses are innovating at a rapid pace. Read our 3 tips about expanding your business without added stress. - Published: 2020-08-12 - Modified: 2023-03-02 - URL: https://www.zensurance.com/blog/three-ways-you-can-expand-your-beauty-business-during-covid19 - Categories: Small Business Tips - Tags: beautician, esthetician As we enter the next phase of reopening following the onset of the novel coronavirus pandemic earlier this year, Canadians are shedding their sweatpants and running to salons to regain the sense of comfort that accompanies a beauty appointment. After the mass appointment-cancellation that occurred following the government-mandated lockdown, beauty business owners across the country demonstrated unprecedented adaptability, which resulted in the rapid innovation of digital and at-home beauty offerings to keep their businesses afloat. While these brand extensions and revenue streams may have served as temporary support until the lockdown lifted, business owners may find that their clients aren't ready to leave their homes and return to salons. As such, business owners can expect continued interest in at-home and virtual self-care options and may see these offerings permanently added to their service menus. Here are three ways companies can continue to meet their clients where they're at, and expand their business in the process: https://www. zensurance. com/wp-content/uploads/2020/08/beauty_business-scaled. jpeg At-Home Kits & Online ConsultationsBeauty professionals across the country came to their client's rescue with at-home kits and online consultations. These DIY kits are an easy solution for business owners who have clients that aren't yet comfortable with in-person appointments, as it allows them to participate in self-care rituals from the comfort of their own home. Rather than blindly trusting drugstore box-dyes, at-home dye kits allow clients to dye their hair at home using a custom formulation put together by their stylist (and prevent an unfortunate hair scare). Many hair salons... --- ### Why Restaurant Maintenance Is More Important Than Ever Before > Proper management of restaurant equipment has always been the foundation of running an efficient restaurant operation but since the pandemic hit, restaurant maintenance measures have been heightened more than ever. - Published: 2020-07-20 - Modified: 2022-10-14 - URL: https://www.zensurance.com/blog/why-restaurant-maintenance-is-more-important-than-ever-before - Categories: Small Business Tips In our ongoing effort to serve our customers in the restaurant community, we’ve partnered up with ResQ to help support restaurants with all repair and maintenance needs.  Proper management of restaurant equipment and facilities has always been the foundation of running an efficient restaurant operation but since the pandemic hit, restaurant maintenance measures have been heightened more than ever.  For staff and guest safety, restaurants are advised to keep a tighter ship when it comes to health and safety protocols. These safety measures are also extended to your facility and equipment maintenance. For example, ensuring your HVAC components are working properly not just for general health and safety reasons but to alsoprevent the transmission of COVID-19. As a result of the pandemic, restaurants are operating at reduced capacity. This may lead to businesses pausing their repair and maintenance plans to save money while not realizing that not having a recurring maintenance plan will cost them up to twice as much for emergency fixes. Not to mention the increased risk of fire hazards caused by equipment breakdown and service time lost due to weak and faulty equipment. ResQ has collected repair and maintenance data from over 50,000 restaurant service jobs completed through ResQ’s platform to share the most common repair and maintenance categories and recommended maintenance schedules (data collected from 1,000+ customers across North America). Most Common Repair & Maintenance Categories HVAC & RefrigerationHVAC (Heating, Ventilation & Air Conditioning) refers to the different systems used for moving air between indoor and outdoor... --- ### Small Business Spotlight: Meet Beatriz Zanatelli, Co-Founder of Lightouch Technologies > Beatriz Zanatelli, Co-Founder of Lightouch Technologies shares her success story in our monthly small business spotlight. - Published: 2020-06-22 - Modified: 2022-10-14 - URL: https://www.zensurance.com/blog/monthly-small-business-spotlight-june - Categories: Small Business Tips Each month, we’ll be featuring small business success stories in our Small Business Spotlight. This month, Beatriz Zanatelli, Co-Founder of Lightouch Technologies walks us through her start-up journey, adapting in the time of COVID, and why insuring her business was the right move.  MeetBeatriz Zanatelli, Co-Founder of Lightouch Technologies Inc. and Commercial Business Manager atE-Create. Lightouch Technologies is an EdTech in the creative industry segment designed to help parents and educators empower children to thrive and succeed in life by building their emotional intelligence and strengthening their soft skills. Why did you start E-Create & Lightouch Technologies Inc. ? E-Create is a 15-year-old Brazilian company that has a very strong educational mission. While working with them, the idea of creating Lightouch came up and all of the beliefs we carry on how we can use technology to empower children with social-emotional education. What is your advice for anyone looking to start a small business? https://www. zensurance. com/wp-content/uploads/2020/06/Beatriz-LinkedIn-1. pngPersistence. Know where you want to go and never give up! Knowing the direction is more important than the speed you travel.  What has been the biggest impact on your business during Corona? Since we are a tech company that focuses on education, we've had a positive outcome with this scenario. Both companies have this educational approach and all of our products are online, so it hasn't impacted us in a negative way. What has been the most rewarding part of starting your own business? I would definitely point out the ability to... --- ### Five Tips for an Effective & Sustainable Transition to a Remote Business > Transitioning your business to remote? We have compiled a list of our top 5 tips to make for an effective & sustainable transition.  - Published: 2020-06-22 - Modified: 2022-10-14 - URL: https://www.zensurance.com/blog/five-tips-for-an-effective-sustainable-transition-to-remote-business - Categories: Small Business Tips Change isn’t always easy, especially when it comes to how you work. With non-essential businesses forced to close their offices due to COVID-19, work-from-home went from a nice-to-have to mandatory overnight. While there are many positives to working from home - increased autonomy, less time commuting, and more time with family - as a business owner, the shift to digital can be overwhelming enough to make you consider hanging up the ‘closed’ sign for good.  Yet, after experiencing the pandemic-induced shift to virtual, companies across Canada are closing their office doors for good, adopting remote-work as an effective and affordable alternative to on-site management.  Whether you plan to transition into an entirely virtual business or adopt a hybrid plan, the shift to digital can be overwhelming if you don’t know where to start. At Zensurance, we’ve always operated as a virtual brokerage and we’ve managed to pick up a few tips and tricks along the way, helping us to be named one of the 50 Most Innovative Workplaces by the Elevated Awards. We have compiled a list of our top five lessons learned that make for an effective and sustainable transition.  https://www. zensurance. com/wp-content/uploads/2020/06/woman-working-from-home-scaled. jpegMove Into The Online SpaceAt Zensurance, we have always conducted business virtually. A secure website and online quote application are the cornerstones of our business. However, if you’re one of the many small businesses throughout the country without an online presence, you may be suddenly wondering how you’re going to promote your business without a physical... --- ### Women in Insurance - Breaking the Cycle of Underrepresentation > Of the top fifteen insurance companies in Canada, only 33% of CEOs are women. Without a concentrated effort to diversify its leadership, the insurance industry risks falling behind. - Published: 2020-03-09 - Modified: 2022-10-14 - URL: https://www.zensurance.com/blog/women-in-insurance - Categories: Small Business Tips Of the top fifteen insurance companies in Canada, only 33% of CEOs are women. This statistic reflects a startling trend in the insurance industry. At over one-hundred-and-fifty-years-old, insurance in Canada is a traditionally male-dominated industry, known more for legacy than diversity and inclusion. However, research on gender equality in the financial services demonstrates a strong correlation between diversity and innovation. With the influx of new technologies triggering the fourth industrial revolution, the insurance industry needs to embrace change and automation to keep up with the rest of the world. Without a concentrated effort to diversify its leadership, the insurance industry risks falling behind. https://www. zensurance. com/wp-content/uploads/2020/03/zensurance-womensday. jpgGender Inequality Impacts Business PerformanceResearch on gender parity in the financial services industries within North America suggests that lack of diversity on executive teams results in lower profitability, net income, and long-term value creation when compared to organizations with a more diverse makeup. In theirstudy of diversity and financial performance, McKinsey & Company found that organizations with diverse leadership teams outperformed their non-diverse counterparts by 21% and were 27% more likely to demonstrate superior value creation in the long-term. An increase in performance can be attributed to the innovation that results from idea-sharing environments comprised of contributors from a variety of backgrounds. These results align with the findings froma 2019 study conducted by the Harvard Business Review, which monitored performance after organizations added more women to their leadership teams. The result was increased financial success. The significance of these findings are best captured by... --- ### Restaurant Insurance - What You Need To Know > Canadian restaurant owners are protecting their businesses with restaurant insurance. Learn what you need to know to get started today. - Published: 2019-12-12 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/restaurant-insurance-what-you-need-to-know - Categories: Insurance When Mark and Sue opened Marley’s Bar & Grill in 2013, they thought their struggles were behind them. After quitting their corporate jobs two years before, they worked tirelessly to make their dream of opening a restaurant on the Halifax waterfront a reality. Running through their check-list leading up to opening day, they carefully crossed off each item. However, as the weather grew warmer, they became eager to open their restaurant before the patio season began. When it came to ‘purchase insurance,’ on their check-list, they quickly considered their risk exposure.  Being on the waterfront, they knew there was a higher risk of slip-and-fall injuries, and a commercial general liability insurance (CGL) policy could cover them if a patron injured themselves and decided to sue. https://www. zensurance. com/wp-content/uploads/2019/12/restaurant-insurance. jpg After a quick search, they narrowed their options down purchased the first policy offered to them; a basic Business Owner’s Policy (BOP) with a $2M limit, which included commercial general liability insurance (CGL), commercial property insurance and business interruption insurance. They had also been offered a restaurant insurance package from another company but felt the cost was too high, and the additional coverages were irrelevant to their business. After a successful opening season, Marley’s Bar & Grill became a home away from home. After being in business for a year, they finally felt themselves being able to relax and enjoy their new role as restaurant owners. Until a quiet Tuesday morning in the fall of 2014 when Mark arrived at the... --- ### Liability Insurance For Retailers: Holiday Edition > Retailers are protecting their businesses with liability insurance in Canada. Learn what you need to know to get started today. - Published: 2019-11-27 - Modified: 2022-10-14 - URL: https://www.zensurance.com/blog/liability-insurance-retail-holiday-edition - Categories: Small Business Tips The holiday season isn't all sleigh-bells and sugar plums for retail shop owners. Sure, you will probably experience increased profits, but as the weather gets colder and the holidays draw nearer, the risk of liability insurance claims skyrockets for both in-store and online retail business owners. For example, a customer walks into your store, slips, and falls on a puddle of melted snow —the next thing you know, you're served with a lawsuit for bodily injury. Or say a client claims an essential oil diffuser you sold to them was defective and started a small fire, resulting in minor property damage. Liability insurance for retailers may cover the costs associated with lawsuits such as these and is a critical component of any retail business owner's risk management strategy. https://www. zensurance. com/wp-content/uploads/2019/11/liability-insurance-retail. jpgWhat is Liability Insurance? Liability insurance, also referred to as commercial general liability insurance (CGL), is a business insurance policy that protects your business against claims alleging bodily injury or property damage. The most basic form of protection, a CGL policy covers the expenses associated with lawsuits and the payout of any losses.  During the holiday season, general liability insurance may protect your retail business from the following: Increased Foot Traffic:Since 2008, there have been a reported117 shopping-related injuries on Black Fridayin the US and Canada. Fights, crowding, and stampedes have left shoppers severely injured, and if it happens in your store, guess who they may come after. Liability insurance provides coverage for third-party lawsuits, alleging bodily injury, and property... --- ### Breaking Down Commercial Insurance for Contractors > Contractors are protecting their businesses with Commercial Insurance in Canada. Learn what kind of insurance a contractor should have. - Published: 2019-11-24 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/commercial-insurance-contractors - Categories: Insurance When it comes to your contracting business, commercial insurance is an essential tool to minimize risk. Unlike an office where most of the work takes place in one location, a contractor’s job is spread out to different sites and includes several clients, subcontractors, and workers. This multiplies the number of potential claims. Claims that could very easily put you out of business. Why? Because even if the claim is dropped the legal fees alone could mean bankruptcy.  What Is Commercial Insurance for Contractors? Commercial insurance is a policy package designed to protect contractors against the financial loss associated with their professional activities. Any individual or business providing contracting services should protect their business withcommercial insurance. https://www. zensurance. com/wp-content/uploads/2019/11/commercial-insurance-contractor. jpg What Kind Of Insurance Is Covered For Contractors? A comprehensive commercial insurance policy for contractors begins with 4 core policies:  Commercial General Liability (CGL) is a business insurance policy that protects you and your contracting business from some of the common risks you can expect to face as a contractor, such as third-party bodily injury and property damage. For example, you are hired to install new kitchen cabinets for a client and accidentally damage their hardwood floors in the process. Your client successfully sues you for property damage and your CGL policy covers the cost of repairing the floors, totalling $20,000. CGL also covers legal and medical costs; should you be successfully sued.   Commercial Property Insurance is a policy that protects both your workshop and the physical assets inside, such... --- ### 5 Types of Liability Insurance You Need to Protect Your Business > Learn the 5 different types of liability insurance coverages to help protect your business from unforseen accidents. - Published: 2019-11-21 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/five-types-of-liability-insurance-you-need-to-protect-your-business - Categories: Insurance Insurance can be confusing and you probably have a lot of questions: What is liability insurance? What kind do I need to protect my business? What is the difference between a binder and a certificate of insurance? When do I speak to a broker? Look, we will not try to convince you that insurance is not confusing, because we know it can be, and as a business owner, the last thing you want to do is spend hours on Google trying to figure out what type of insurance you need for your business. But the thing about insurance, while it can be confusing, is that it does not have to be. At Zensurance, transparency is priority number one. We exercise this by eliminating the jargon where we can and explaining policies in plain English, but we know; as a business owner, you want to know you're making the best decision for your business, and part of doing so is doing the research. https://www. zensurance. com/wp-content/uploads/2019/11/business-insurance. jpgTo kick off your insurance knowledge journey, we will answer your first question; what is liability insurance? And as a bonus, we will answer the second as well. What is Liability Insurance? Put simply; liability insurance protects the insured (aka you, the business owner) against claims where you or your business are held liable for damage to people or property. You may have also heard it referred to as third-party insurance, which means it covers the cost of legal fees and payout to third-parties. And... --- ### How Small Business Insurance in Canada Could Protect You From Hackers > Learn how small business insurance can protect business owners from hackers and other cyber attacks. - Published: 2019-11-14 - Modified: 2022-10-14 - URL: https://www.zensurance.com/blog/how-small-business-insurance-canada-could-protect-you-from-hackers - Categories: Cybersecurity Ask a small business owner if they'd rather deal with a fire or a cyber attack, and the answer may surprise you. Over the last year, over half of the small businesses suffered a data breach. With recovery costs averaging at $200,000, most small companies aren't financially equipped to deal with the rise in cybercrime. With businesses becoming increasingly more digital, small business owners need to know that it isn't a matter of if their business will be the target of cybercrime, but rather when. Small business insurance in Canada is designed to protect small business owners from common risks, including cybercrime. It seems like a straightforward solution. If 43% of cyberattacks target small businesses, then owners would protect themselves with insurance. https://www. zensurance. com/wp-content/uploads/2019/11/small-business-insurance. jpgThe reality is, of the 1. 14 million small businesses in Canada, only 14% are prepared to defend themselves in the event of cybercrime. Are you one of them? What Is Small Business Insurance? In Canada, small business insurance is a policy package that protects Canadian business owners against loss or damages due to a broad spectrum of liability issues, such as slip-and-fall or property damage. Within this package, there are three policies, which are recommended to protect business owners against cybercrime:Cyber Liability Insurance: Perhaps the most obvious coverage to add to your policy to protect your business from cybercrime, Cyber Liability Insurance covers costs associated with a breach involving intangible assets, such as customer data. Should you be the victim of a cyberattack, a... --- ### An Introduction To Small Business Insurance in Canada > Canadian small business owners are protecting their businesses with Small Business Insurance. Learn what you need to know to get started today. - Published: 2019-11-13 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/an-introduction-to-small-business-insurance-canada - Categories: Insurance Congratulations! You are about to launch your small business, and you have been crossing tasks off of your to-do list. We imagine this is exciting. We also imagine this list has become a bit overwhelming. You reach your next item, “look into small business insurance. ”Is this necessary? You don’t plan on making any mistakes, and it seems like an avoidable cost. Do you need it? You’ve heard it involves a lot of back and forth with brokers, and you feel like you should be focusing on other aspects of getting your business off of the ground. Short answer? Yes, you need small business insurance in Canada and here’s why. Regardless of what industry you are in, mistakes happen and can threaten the survival of your business in a matter of seconds. https://www. zensurance. com/wp-content/uploads/2019/11/small-business-canada-insurance. jpgWhat Is Small Business Insurance? Understandably, most small business owners don’t expect to sustain any losses when purchasing insurance coverage, so we ask you to think of it as protection against an extraordinary event. Consider it to be an indispensable tool for the long-term survival of your business – big or small. That’s what small business insurance is. Here’s what it doesn’t have to be: confusing, costly, or time-consuming. At Zensurance, we simplify the process by providing a broker-approved quote for free in minutes. Believe us; you’ll want it if you need it.  In Canada, more than a third of overall insurance claims are coming from small businesses, yet 25% don’t have insurance of any... --- ### Ontario Business Insurance for Remote Businesses > Business insurance polcies that will allow remote business owners to run their company from anywhere in the province. Read more here. - Published: 2019-11-08 - Modified: 2023-01-27 - URL: https://www.zensurance.com/blog/ontario-business-insurance-for-remote-businesses - Categories: Small Business Tips - Tags: business ontario Being your own boss allows for many cool business opportunities, one of which is the ability to run your business from pretty much anywhere. Over the last ten years, working remotely has skyrocketed in popularity, and for entrepreneurs in the early stages of running their business, it is an extremely cost-efficient option. While running your business from a home office or on the road offers flexibility and the chance to save on overhead costs, one aspect of your business that shouldn’t be swapped for convenience is insurance. That’s right; even if you operate your business from home, you still need protection. Ontario business insurance allows business owners to run their business from anywhere in the province while benefiting from comprehensive coverage. What Is Ontario Business Insurance? Explicitly designed to cover the everyday risks you face as a business owner, Ontario business insurance covers the costs of loss or damages resulting from your business operations. Whether you're a freelance consultant or run an e-commerce store from home, at the core of every business insurance policy are three types of coverage:  Commercial General Liability Insurance: protects against claims alleging third-party property damage or bodily injury caused by your business operations. This policy is essential for all business owners, especially those who travel to other’s property for business or have clients visiting their home office.   Professional Liability Insurance: protects business owners against claims alleging negligence or failure to deliver a service as promised. There are different types of professional liability insurance, such... --- ### Toronto Business Insurance - A Business Owner’s Guide to the City > Toronto business owners are protecting their businesses with commercial Insurance. Learn what you need to know to get started today. - Published: 2019-11-07 - Modified: 2023-08-17 - URL: https://www.zensurance.com/blog/toronto-business-insurance-business-owners-guide-to-the-city - Categories: Small Business Tips Running a business in a big city has many benefits - more access to resources, networking opportunities, and increased foot traffic. With these benefits come additional risks. It makes sense that with more steps in your supply chain and clients interacting with your business, you are more likely to encounter a liability claim. Adjusting insurance coverage to protect a company from all angles is a priority for most business owners. Are you one of them? Business insurance is a policy package that is specially designed to protect business owners in the city against claims related to their professional services. What Does Business Insurance Cover? At its core, a firm insurance policy for Toronto business owners is comprised of three policies: Commercial General Liability Insurance: The most popular insurance policy and for a good reason. Commercial General Liability Insurance, also referred to as CGL, protects against claims related to third-party property damage and bodily injury. Regardless of what type of business you run, CGL is an important policy to consider, as it may cover the legal expenses and medical fees associated with these types of claims should they be brought against you and your business. Commercial Property Insurance: As the name suggests, Commercial Property Insurance provides coverage for loss or damage to the physical assets of your store. This coverage includes your business’s physical property, in addition to furniture, equipment, and technology. We have a feeling you will want to protect your property from those unplanned damages that happen in a... --- ### Salon Insurance Ontario - Guidelines for Salon Owners > Ontario salon owners are protecting their businesses with Salon Insurance. Learn what you need to know to get started today. - Published: 2019-11-06 - Modified: 2023-08-17 - URL: https://www.zensurance.com/blog/salon-insurance-ontario-guidelines-for-salon-owners - Categories: Small Business Tips - Tags: beautician, esthetician As a salon owner in Ontario, your business thrives on making people feel like the best versions of themselves. But working closely with others and providing physical treatments comes with a lot of responsibility.  There are liability issues that almost all business owners need to worry about - slip-and-fall injuries, property damage. Then there are the risks unique to your business, some of which would never enter another business owner's mind. Most salon owners know the following situation all too well: a client is burned during a wax and decides to sue. It's happened to people you know, and it could happen to you. If it does, are you covered? What is an Ontario Salon Insurance Policy? Salon insurance for Ontario business owners is a policy package specially designed to cover the risks unique to your business, such as treatment-related injuries or failure to deliver a service as advertised. A comprehensive salon insurancepolicy starts with four necessary policies: Commercial General Liability Insurance (CGL)protects salon owners against common claims related to third-party property damage or bodily injury as a result of your business operations. This coverage may include property damage that occurs during an off-site for a bridal party or the client who was burned during their wax. Medical Malpractice Insurance is a type of professional liability insurance that protects against claims alleging bodily injury, negligence, or property damage resulting from your professional activities. Medical malpractice insurance also protects your business if it’s named in a lawsuit against one of the independent practitioners... --- ### Finding The Best Spa Liability Insurance For Your Business > Canadian spa owners are protecting their businesses with Spa Liability Insurance. Learn what you need to know to get started today. - Published: 2019-11-06 - Modified: 2023-08-17 - URL: https://www.zensurance.com/blog/finding-the-best-spa-liability-insurance-for-your-business - Categories: Small Business Tips When your business goal is to create a peaceful environment for clients to escape from reality, the last thing you want is a liability issue to break the illusion. These events cause emotional, financial, and reputational stress; three things we don’t typically associate with a tranquil spa environment. We know preventing these types of scenarios is a top priority. We also know the secret to avoiding these types of stress-inducing events is a robust risk-management strategy is spa liability insurance. What is Spa Liability Insurance? Spa Liability Insurance is a policy package that protects spa owners from claims related to their professional activities and business operations, such as treatment-related injuries or failure to deliver a service as promised. A comprehensive insurance policy for spa owners begins with four policies:https://www. zensurance. com/wp-content/uploads/2019/11/spa-liability-insurance-1. jpg Commercial General Liability Insurance: Also known as CGL, Commercial General Liability Insurance protects spa owners against claims alleging property damage or bodily injury as a result of your professional operations. This coverage may include accidentally damaging a client’s property during a home visit, or a client injures themselves after slipping on spilled massage oil. Medical Malpractice Insurance: is a type of professional liability insurance that protects against claims alleging bodily injury, negligence, or property damage resulting from your professional activities. Medical malpractice insurance also protects your business if it’s named in a lawsuit against one of the independent practitioners working for you. Business Interruption Insurance:covers net income lost due to interrupted business operations. Say a pipe bursts and floods... --- ### Commercial Liability Insurance: Three Things To Know Before You Buy > Canadian entrepreneurs are protecting their businesses with Commercial Liability Insurance. Learn what you need to know to get started today. - Published: 2019-11-01 - Modified: 2022-10-14 - URL: https://www.zensurance.com/blog/commercial-liability-insurance-three-things-to-know-before-you-buy - Categories: Small Business Tips Entrepreneurs know they need commercial liability insurance, as it is typically required to get a loan or an office space. Still, given how complex the typical policy can seem, it is a daunting task to try and understand what it means to be insured. What is Commercial Liability Insurance? Commercial General Liability (CGL) is the most basic insurance policy, which protects small business owners against claims alleging: Injuries to customers, suppliers or visitors that happen at your office Injuries that occur off-site by your employees (e. g. , while visiting a customer) Damage to someone else’s property caused by an employee in the course of doing business An injury caused by libel or slander (i. e. , reputational “injury”) Keep in mind that there areseveral types of insurancethat a small business should have, in addition to commercial general liability insurance. As an example, if business operations are stalled due to an unexpected hold on a project, commercial general liability insurance does not cover the cost of lost income. In such a case,business interruption insuranceis necessary. We know insurance can be confusing, which is why we’ve answered the top three frequently asked questions about commercial liability insurance:How Can I Save Money On Commercial Liability Insurance? The cost of commercial insurance for business owners varies based on several factors, such as the size of your company, industry, and years of experience. That’s not to say you should accept the first policy offered to you. When purchasing insurance, the most inexpensive policy isn’t... --- ### The Business Owner’s Guide to Restaurant Liability Insurance > Canadian Restaurant Owners are protecting their businesses with Restaurant Liability Insurance. Learn what you need to know to get started today. - Published: 2019-10-31 - Modified: 2022-10-14 - URL: https://www.zensurance.com/blog/business-owners-guide-to-restaurant-liability-insurance - Categories: Small Business Tips - Formats: Image It's the Sunday morning brunch rush. A waiter slips on spilled coffee and collides with a customer. Suspecting an injury, you apologize profusely and send them to the hospital. A week later, court papers appear on your desk, naming you and your restaurant liable for the customer's injuries. Not a problem if you are covered by restaurant liability insurance, which you are, right? When you're the owner of a restaurant, claims scenarios such as these are all too familiar. It's fair to say most restaurant owners assume, or instead hope, it won't happen to them. What is Restaurant Insurance? There's a saying in the insurance industry; assume the worst and prepare as if it could happen to you. Take our word for it; if it does happen, you'll be thankful you are covered. Restaurant Insurance is a policy package that provides coverage for claims related to your professional activities, such as a slip-and-fall injury, bad case of food poisoning, or equipment breakdowns. Unlike a bakery or deli, a restaurant refers to any commercial establishment that has a service component. What Does Restaurant Insurance Cover? The foundation of a strong insurance policy for restaurant owners is always Commercial General Liability Insurance (CGL). CGL covers the legal and medical expenses associated with common risks you face as a restaurant owner, most notably bodily injuries (food poisoning included! ), as well as damage to a third-party property. In addition to CGL, a comprehensive Restaurant Insurance policy will usually include the following policies: Commercial... --- ### Consultant Liability Insurance - What You Need to Know > Canadian consultants are protecting their businesses with Consultant Liability Insurance. Here's what you need to know to get started today. - Published: 2019-10-30 - Modified: 2022-10-14 - URL: https://www.zensurance.com/blog/consultant-what-you-need-to-know - Categories: Small Business Tips - Tags: consultant Meet Karmel, a financial consultant based in Calgary who provides accounting advice to clients throughout the province. After preparing and submitting financial statements for Sam, a local small business owner, it is discovered that Karmel made a miscalculation. As a result, Sam owes a large amount of money to the bank, but is unable to make his payments without compromising his business. Fearing more financial strain, Sam sues Karmel for negligence, resulting in $30,000 in legal fees. Luckily, Karmel has consultant liability insurance, which covers Sam for the additional expenses he paid to the bank and a portion of her legal fees. Like Karmel, a lawsuit alleging failure to deliver a service or poor advice could be detrimental to your business. As a consultant, you face a specific set of risks related to your professional activities, which means you require a policy that matches your business needs. What is Consultant Insurance? The consulting industry in Canada is booming and is going to continue to grow at an exponential rate. As the industry grows, protecting your practice will become increasingly more important. Consultant insurance is a policy package designed to help protect those who offer professional advice and services to individuals and companies, therefore covering the cost of defending your business against a liability or negligence claim made by a client. Insurance for consultants is built upon two foundational insurance policies: Errors & Omissions Insurance: is the policy that you are probably most familiar with. It covers most of the risks you... --- ### Building the Best Contractor Liability Insurance Policy for Your Business > Contractors know a strong Contractor Liability Insurance policy needs a solid foundation. Here's how contractors in Canada are protecting their businesses. - Published: 2019-10-30 - Modified: 2024-12-10 - URL: https://www.zensurance.com/blog/building-the-best-contractor-liability-insurance-policy-for-your-business - Categories: Insurance You know the old saying, the cheapest policy isn’t always the best policy.  Contractor Liability Insurance needs will vary from project-to-project. To properly secure your business and manage risk, it is crucial to find an insurance policy that provides the type of coverage you require to succeed. We know you’re busy, so we’ve made finding the best policy for your business simple. Here are a few points to keep in mind when buying insurance for your contracting business:Not Having Contractor Insurance Is A Big Mistake The foundation of a solid Contractor Insurance policy package is the most basic insurance coverage for your contracting business - Commercial General Liability Insurance (CGL). CGL protects against the most common risks you face as a contractor, such as damage to a client’s property or workplace injury. While the risks associated with your business will depend on the nature of your project,contractors suffer up to four times more workplace accidents than any other industry. For this reason, more and more project managers and general contractors are requiring contractors to have CGL before hiring them. Projects Rarely Go To Plan - Protect YourselfThe second step to building the best Contractors Insurance policy for your business? Meet Builder’s Risk Insurance. Builder’s Risk Insurance is a type of insurance covering damage to buildings, structures, and materials during a project. Some of the policy coverage highlights include:  Coverage for construction materials entering into or forming as a part of the project.   Loss or damage to tools, equipment, materials,... --- ### What Kind of Insurance Should Contractors Have? > Canadian Contractors are protecting their businesses with Contractor Insurance. Here's what you can do to get started today. - Published: 2019-10-30 - Modified: 2024-11-28 - URL: https://www.zensurance.com/blog/what-kind-of-insurance-should-contractors-have - Categories: Insurance Given the nature of the industry, contractors face a lot of risks and a claim could very quickly put a contractor out of business. Even if the lawsuit is dropped, the legal expenses alone can mean bankruptcy. When it comes to limiting financial exposure, a comprehensive insurance packageplays an essential role in your risk-management strategy. At the very least, you should havecommercial general liability insurance, builder's risk insurance, and equipment and tools coverage. Before purchasing contractor liability insurance, it is essential to understand how it will protect your business. To make this easy, we've listed four things you need to know when it comes to insuring your contracting business:1. Know The BasicsContractor insurance is a policy package that protects against claims related to your professional services, ranging from property damage to equipment theft. Three policies build the foundation of every strong contractor insurance policy: Commercial General Liability Insurance (CGL): Say a client decides to sue you for damage to their property that occurred during a project. Should you be successfully sued, a Commercial General Liability Insurance (CGL) can cover your legal defense costs, as well as the damages owed to the third party. In addition to property damage, CGL also covers third-party bodily injuries that result from your professional activities. Equipment and Tools: Another foundational coverage, Equipment and Tools Insurance covers, you guessed it, equipment and tools. This policy covers hardware and accessories, the property of others in your care, and portable business tools from loss or damage, including theft.... --- ### Zensurance Named Finalist for the Versature Award for Digital Innovator of the Year in the 2019 Insurance Business Awards > Zensurance has been selected as a Finalist for the Versature Award for Digital Innovator of the Year in the 4​th​ annual Insurance Business Canada Awards. - Published: 2019-09-27 - Modified: 2022-10-14 - URL: https://www.zensurance.com/blog/insurance-business-awards-canada - Categories: Small Business Tips https://www. zensurance. com/wp-content/uploads/2019/09/Zensurance-IBCA-1. jpgZensurance has been selected as a Finalist for the Versature Award for Digital Innovator of the Year in the 4​th​ annual Insurance Business Canada Awards. Since its inception in 2016, the awards have become the preeminent showcase of excellence in Canadian insurance, recognizing top organizations and individuals for their outstanding achievements and best practices over the past 12 months. Winners will be selected by a panel of industry experts and revealed at the stellar black-tie awards gala, which will welcome over 550 industry professionals on November 28, 2019, at the Liberty Grand in Toronto. The event is organized by Key Media, the global publisher of Insurance Business, Wealth Professional, and Life Health Professional. Insurance Business magazine’s managing editor Paul Lucas said: “We're so thrilled with the list of finalists. We were inundated with nominations and we feel this is truly a snapshot of the best and brightest in the Canadian insurance industry right now. It's going to be a fantastic honour to be at our gala event in November to celebrate such a deserving group. ” About Zensurance: Zensurance leverages AI and process automation to deliver curated custom business insurance policies to Canadian entrepreneurs. With over 50 partners, Zensurance continues to experience exponential growth having recently expanded to Newfoundland, New Brunswick and PEI making it the most advanced business insurance platform operating across nine Canadian provinces. About Insurance Business: Insurance Business is the leading independent business magazine and website for insurance brokers and advice professionals. A key... --- ### Zensurance Continues to Lead Canada’s FinTech Start-Up Revolution > Zensurance has been named one of the country’s Top 50 FinTech Companies of 2019 by the Digital Finance Institute. - Published: 2019-09-25 - Modified: 2022-10-14 - URL: https://www.zensurance.com/blog/business-insurance-company-zensurance-named-canada-top50-fintech-companies - Categories: Small Business Tips Leading Canada's FinTech Start-Up Revolution https://www. zensurance. com/wp-content/uploads/2019/08/Zensurance-Canada-Top-50-300x169. png Zensurance, Canada’s breakthrough business insurance platform, has been named one of the country’s Top 50 FinTech Companies of 2019 by the Digital Finance Institute for their continued contribution to Canada’s growing FinTech sector. The Digital Finance Institute, a think tank for financial innovation conducted extensive market research with key stakeholders to establish a criterion for excellence within the FinTech industry. Determining factors included product innovation, disruption of a service, scalability, growth and external adoption. Zensurance is ranked amongst companies representing the growing industry’s wide array of sub-sectors, such as Blockchain, RegTech, and Capital Markets. Over its three-year lifespan, Zensurance has received many awards and accolades highlighting the company’s unprecedented success in both the insurance and FinTech industry. Recognized by the Canadian Innovation Exchange as one of the top 20 innovative technology companies and winner of the Bank of Montreal’s Next Big Idea in FinTech event, this most recent accolade further cements Zensurance’s spot as a leader in the Canadian FinTech and InsureTech sector. Zensurance leverages AI and process automation to deliver curated custom business insurance policies to Canadian entrepreneurs. With over 50 partners, Zensurance continues to experience exponential growth having recently expanded to Newfoundland, New Brunswick and PEI making it the most advanced business insurance platform operating across nine Canadian provinces. For media enquiries and interview requests please contact: Clare Zarb Zensurance Inc. marketing@zensurance. com --- ### How Much Does Small Business Insurance Cost? > If you wants to find out how much small business insurance costs, read our study on average premium prices that Canadian Business Owners pay in Canada - Published: 2019-08-14 - Modified: 2024-03-11 - URL: https://www.zensurance.com/blog/how-much-does-small-business-insurance-cost - Categories: Insurance, Small Business Tips - Tags: buying insurance, COI, commercial auto, commercial coverage, consultant, gl, insurance broker, product recall, self-employed, SME, tutor insurance Are you wondering what othersmall business owners in Canadapay for insurance? Whether you operate inToronto, Vancouver, Calgary orHalifax, it is important to protect your business with the right amount of insurance. Canadian business ownersoften wonder if they are overpaying for their premiums. Whileinsurance premiumsfluctuate depending on some factors (more on this in later), it is useful to have a general idea of what other Canadian small business owners are paying to protect themselves. Zensurance customers, a majority of who are small business owners, pay $850 per year on average forinsurance, but it is important to remember that the number varies quite a bit depending on what industry they operate in. How is your business insurance cost calculated? Do you work with your hands? Do you provide advice to your clients? Do you own substantial office space or inventory? These are some of the questions that go into determining how much any individual business will pay for itsinsurance premium. Insurance companies’ underwriters take into account many risk factors, such as business type, industry, business size, yearly revenue, location, etc.   They also maintain historical records of these risk factors and use mathematical models to calculate the odds of insurance claims based on different combinations of these factors. As a result, the cost ofbusiness insurancefor every individual business varies quite a bit. What factors affect the cost of your insurance premium? Here is a list of factors that determine policy pricing for variousinsurance types: Do you operate in a high-risk industry? What kind... --- ### Business Insurance Company Zensurance Expands to a Ninth Canadian Province > After 3 years of diligently building the most advanced business insurance platform in Canada, Zensurance received all the necessary regulatory approvals to operate in 9 Canadian provinces. - Published: 2019-04-09 - Modified: 2022-10-14 - URL: https://www.zensurance.com/blog/business-insurance-company-zensurance-expands-to-a-ninth-canadian-province - Categories: Small Business Tips - Tags: scenarios From British Columbia to Newfoundland, Zensurance makes business insurance an easy process for Canadian entrepreneurs. https://www. zensurance. com/wp-content/uploads/2019/04/canada-province-map-zensurance-2. pngAfter almost 3 years of diligently building the most advanced business insurance platform in Canada, we received all the necessary regulatory approvals to operate in 9 Canadian provinces. The journey started with our first license in Ontario back in 2016, steadily adding province after province. Alberta and  British Columbia were added in 2017. Saskatchewan, Manitoba and Nova Scotia were added in 2018 and in just the first 3 months of 2019, New Brunswick, PEI and Newfoundland completed our latest efforts. READ THE FULL PRESS RELEASE HERE The journey begins: our first ever Canadian licence in Ontario! Alberta and British Columbia are added shortly after. Saskatchewan, Manitoba and Nova Scotia follow after. New Brunswick, PEI and Newfoundland were added this year. Zensurance brings the most advanced technology to the commercial insurance industryBy re-designing the entire business insurance value chain, Zensurance eliminates the traditional hassles associated with commercial insurance: endless delays, fax machines, phone-tag, and cheque payments. Many other industries have found ways to allow simple, online transactions, but the commercial insurance industry was still stuck in the 1950s until Zensurance came around. The Zensurance experience is all about speed, ease of use, competitive rates, transparency and amazing client support. Delivering on these 5 pillars is what has allowed us to grow at triple-digit figures year over year (and some times double-digit growth week over week! ! )"Zensurance eliminates the traditional hassles associated with... --- ### Four examples of how business insurance saved a startup > Zensurance lists 4 common examples of how business insurance saved a startup. - Published: 2018-11-26 - Modified: 2023-01-24 - URL: https://www.zensurance.com/blog/four-examples-of-how-business-insurance-saved-a-startup-2 - Categories: Insurance - Tags: errors and omissions insurance, scenarios http://www. zensurance. com/wp-content/uploads/2016/08/four-examples-of-why-you-need-business-nsurance. jpg Most people do not consider insurance to be an exciting topic. Furthermore, insurance is a product you purchase and hope that you never have to use! However, no sustainable business was built without proper risk management. And, insurance is a critical part of any risk management strategy. Imagine trying to set aside funds for all possible unforeseen incidents, and constantly worrying about potential accidents. To help illustrate what could go wrong, we spoke with entrepreneurs that recently went through the business insurance claims process. We wanted to understand what happened, and how their business insurance policies helped them through the situation. The details of these examples have been slightly adjusted to preserve confidentiality. 1. “My employee inadvertently released a lot of sensitive customer information” What happened A company sent out marketing messages every week to all their customers, including special offers and advice. On one particular email, an employee inadvertently attached a spreadsheet of their customers with detailed billing information. The company’s dilemma The lawyers recommended that the company contact all their customers, advise them of the breach and offer support to manage their exposure. The cost of this support could be hundreds of thousands, not to mention potential lawsuits that could be filed as a result, and negative PR. How insurance saved them The company was able to offer credit monitoring services for all the impacted customers. They also hired a PR firm to manage their reputation. Finally, they also had coverage for legal costs associated with... --- ### Errors & Omissions (E&O) - Claims Examples > Errors & Omissions Claims Examples - Learn how an E&O insurance policy can protect your business from these common scenarios. - Published: 2018-06-09 - Modified: 2024-03-11 - URL: https://www.zensurance.com/blog/errors-and-omissions-insurance-common-scenarios - Categories: Small Business Tips - Tags: e&o, errors and omissions, errors and omissions insurance, fintech, scenarios https://www. zensurance. com/wp-content/uploads/2022/01/Business-Errors. jpeg Errors & Omissions Insurance (E&O) is a useful policy that can protect you in case you make a mistake while delivering a service or product or fail to deliver on what you promised. Learn more abouterrors and omissions insurance. In this article, we cover some common scenarios where Canadian businesses and professionals could benefit from E&O coverage. Few Examples Where Errors & Omissions Insurance Can Protect You You don’t have to stretch your imagination too far to picture a scenario where errors and omissions insurance comes in handy. Instead, you can check out real examples like those provided by ENCON Group Inc, a Canadian managing general agent. Claims scenarios per practice: Practice Claim Example Doctors* ● Patient dies/requires life-saving surgery after a doctor fails to act on his complaints Dentists* ● Dentist performs a sub-standard root canal Chiropractors* ●  Patient sustains a serious injury during a neck manipulation Physical therapists* ● Client claims physical therapist didn’t provide entire treatment Lawyers ● Lawyer forgets to complete and file time-sensitive documents Accountants ●  Client has to pay back taxes/interest due to their accountant’s error Engineers ● Structural issues are found in a building due to an engineer’s oversight Financial advisors ● Client loses a substantial amount of money due to bad investment advice *Medical malpractice insurance policy https://www. zensurance. com/wp-content/uploads/2022/02/business-insurance-save. jpg Example 1) The Architectural Technician https://www. zensurance. com/wp-content/uploads/2018/06/architect-drafting-error. jpg A new building was being constructed next to a strip mall. The engineering firm in charge hired an architectural technician so they could coordinate... --- ### What Does General Liability Insurance Mean For a Restaurant Owner > If you’re a restaurant owner, learn what general liability insurance means for your business. - Published: 2018-06-07 - Modified: 2024-03-11 - URL: https://www.zensurance.com/blog/what-does-general-liability-insurance-mean-for-a-restaurant-owner - Categories: Small Business Tips - Tags: restaurant insurance http://www. zensurance. com/wp-content/uploads/2018/06/What-Does-General-Liability-Insurance-Mean-For-a-Restaurant-Owner. jpg If you’re a restaurant owner, you’re familiar with the following scenario—a drink spills, a server is walking too fast, two people collide... boom! A month later, you’re presented with court papers. The customer that fell injured themselves pretty badly, sought medical advice and saw an opportunity to file a lawsuit—are you prepared? As a rule of thumb in the insurance industry is, if you think it could happen, it can happen. Slips and falls are bound to happen in a restaurant so being prepared is smart versus the assumption that they don’t happen at all. Getting restaurant insurance is vital. Commercial General Liability Insurance for Restaurants The insurance coverage that would respond to the above scenario is called commercial general liability insurance. General liability insurance (CGL) can also be referred to as commercial insurance or liability insurance. This is the most basic type of protection a business must own. It covers any costs associated with lawsuits brought to your company along with the payout of any losses. More specifically, general liability insurance may protect your business from the following: Third-party lawsuits include the following: Bodily Injury (e. g. an employee is walking through your restaurant. They slide and fall on a drink spillage that hasn’t been cleaned yet). Property Damage (e. g. a customer is visiting your deli. They’re leaving on a sign, which falls over and breaks. It also falls into a glass window). What Do We Define as a Restaurant? A restaurant is a... --- ### Why Do Hackers Target Smaller Businesses? > Small businesses represent easy targets and can offer fantastic rewards for hackers. Read on to learn how to protect your business. - Published: 2017-08-17 - Modified: 2024-03-11 - URL: https://www.zensurance.com/blog/why-hackers-target-smaller-businesses - Categories: Cybersecurity - Tags: cyber liability https://www. zensurance. com/wp-content/uploads/2017/08/Why-Do-Hackers-Target-Smaller-Businesses. jpg The internet and other digital technologies have revolutionized the way we do business. This much we know. But they have also opened the door to a whole new set of threats and dangers that each business owner needs to be prepared for. Although we are all aware of the hacking attacks on large corporations we hear about every week on the news, little is known about the prevalence of small business hacking and systems breaches. Small businesses represent easy targets and can offer fantastic rewards if attempts are successful. Hackers are catching on to this, with the share of attacks on small businesses growing each year. Currently, 43 percent of all cyberattacks are performed on small businesses. Also, some small businesses, such as retailers, are more attractive to hackers largely because they have access to credit card and bank information as well as other personal data that can fetch a fair price on the black market. But why is this happening? Logic would dictate that larger companies would still be the best target since they have more information that is often more valuable. Well, when you look a little closer, the fact these cybercriminals are shifting their focus actually makes a lot of sense. Here’s why your business could become a target for hackers, some things you can do to help protect yourself and your business and why cyber liability insuranceis so crucial. Why Go After Small Businesses? The consequences for hacking into a company’s data and stealing it... --- ### Making Your Contractor Insurance Work With Subcontractors > If not properly insured, a subcontractor can be a significant liability for your contracting business. Read the checklist! - Published: 2017-02-13 - Modified: 2024-03-11 - URL: https://www.zensurance.com/blog/making-your-contractor-insurance-work-with-subcontractors - Categories: Small Business Tips - Tags: contractor insurance, subcontractor insurance http://www. zensurance. com/wp-content/uploads/2017/02/Making-Your-Contractor-Insurance-Work-With-Subcontractors. jpg A construction contractor typically hires subcontractors for various projects. Subcontractors may be considered a resource for your business as they help you achieve your required construction goals. However, if not properly insured, a subcontractor can be a significant liability for your business. After all, your clients will sue you for the mistakes of the subcontractor and your contractor insurance may not cover you in such cases. To help reduce litigation risk for your business, we have developed a checklist of things to consider when working with subcontractors. 1.  Develop a thorough contract The first step is to have a legally binding contract that identifies the responsibilities of the subcontractor, that clearly states time-bound tasks to be completed and the allocated budget for each task. 2.  Set and check insurance requirements As a contractor looking to hire a subcontractor, you can specify exactly what type of insurance is required. Then, check the insurance certificates of your subcontractors to validate that they, in fact, have the appropriate types of insurance. The insurance certificate lists the policies a contractor has, the coverage amount, limits, and relevant expiration date. 3. Check licenses Ensure that your subcontractors have the appropriate licenses for their type of work. You can request copies of the license, or there may be some way to directly check with the licensing bodies. The insurance contract requires that sub-contractors be licensed, so validating licensing is critical to fulfilling your insurance requirements. 4.  Check for ‘bonding’ A ‘bonded’ contractor is... --- ### Getting The Most Out Of Your Small Business Insurance Broker > Your small business insurance broker should be helping you manage your risks, not simply getting you an insurance policy. - Published: 2017-02-05 - Modified: 2024-03-11 - URL: https://www.zensurance.com/blog/five-ways-to-get-the-most-out-of-your-small-business-insurance-broker - Categories: Small Business Tips https://www. zensurance. com/wp-content/uploads/2017/02/5-Ways-To-Get-The-Most-Out-Ot-Your-Small-Business-Insurance-Broker. jpg When it comes to insurance, you deserve the best. Insurance is an investment, and you should treat it as you would any other important business purchase. Your small business insurance broker should be helping you manage your risks, not simply getting you an insurance policy. Here are five things you should expect from your broker to make sure you get the most value: 1. Identify the biggest risks Insurance exists to protect you from your biggest risks. So, it is only fair that your broker is able to help you identify them, and create a policy best suited to address them. 2. Suggest ways to mitigate risks Brokers exist not only to insure you but to help be risk advisors. Experience brokers can suggest ways to minimize your risk, which would also result in lower premiums over time. 3. Shop aroundBrokers should go to multiple insurers to try and find you the best policy, not just the lowest price. Getting insured is quick and easy! If Business Insurance is what you need, request a free quote now > 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. In-depth explanationInsurance can be complicated, but it doesn’t have to be. Your broker should be able to summarize what you are covered for, but more importantly, what you are not covered for. 5. Simple interactions You should insist that your broker be flexible in how he/she operates. You should not be expected to rely on phone calls between 9 and 5 pm (when you are busy running your business), fax machines... --- ### 4 Critical Steps to Reducing Your Business Cybersecurity Risk > Zensurance helps small business owners reduce their risks, and in particular cybersecurity risk. Read on for 5 tips on how to reduce your cybersecurity risk - Published: 2016-11-01 - Modified: 2024-03-11 - URL: https://www.zensurance.com/blog/4-steps-reducing-business-cybersecurity-risk - Categories: Cybersecurity - Tags: cyber liability http://www. zensurance. com/wp-content/uploads/2016/11/4-Critical-Steps-to-Reducing-Your-Business-Cybersecurity-Risk. jpg A good business insurance provider will give you a competitivecyber liability insurance quote. A great insurance provider will do that, while also helping to reduce your risk exposure. Zensurance wants to help small business owners reduce their risks, and in particular cybersecurity risks. Read on for 4 tips on how to reduce your cybersecurity risk and run a better company! 1. Do not store any payment information (e. g. , credit cards, banking info). Use third-party payment providers like PayPal, Stripe or WayPay that have built their software with the highest levels of security in mind. 2. Train your employees and reinforce the message constantly Every employee should know how to secure files and passwords, as well as the most common methods used by hackers. Some basic training will go a long way. “An ounce of prevention is worth a pound of cure. ” 3. Install the best tools to protect you against viruses, malware, and phishing Many small businesses try to save money by opting for free or low-cost solutions. The money you save is not worth the risk. Spring for the higher quality solutions, it will pay for itself very quickly. Getting insured is quick and easy! If Business Insurance is what you need, request a free quote now > 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 4. Use multi-factor authentication to secure your network This means logging in requires a combination of something you know (i. e. , a password), something you have (i. e. , a phone) and something you are (i. e. ,... --- ### How To Keep Your Business Safe As You Digitize It > As a business evolveds digitally, come unknown risks that their traditional business insurance policy may not cover. Learn more! - Published: 2016-10-31 - Modified: 2024-03-11 - URL: https://www.zensurance.com/blog/keeping-your-business-safe-as-you-digitize-it - Categories: Cybersecurity - Tags: cyber liability, phishing http://www. zensurance. com/wp-content/uploads/2016/10/keeping-your-business-safe-from-hackers. jpg More Canadian business owners embrace “brick-and-mortar PLUS digital” allowing them to deliver a more attractive shopping experience, offering convenience, options and personalization online. But with such advances also come unknown risks (ie. cyber attacks) that their traditional business insurance policy may not cover. Many business owners assume that their online service providers (e. g. , Shopify, PayPal) hold the responsibility for insurance, but this is not the case. Many of these risks call for Cyber Liability Insurance coverage. Listed below are a few examples of business activities that would require you to re-think your traditional insurance policy: 1. “Selling goods outside of Canada” In a brick-and-mortar environment, you are likely only serving local customers. In an online world, your customers could be anywhere in the world. Many insurance policies restrict your insurance coverage to Canadian sales, leaving you exposed to external lawsuits. 2. “Holding custommer information digitally” As you offer more products and serves online, you will naturally have more information about your customers stored digitally. This information could be names, contact information and products purchased. If you have this information stored on your computer and it somehow gets leaked (e. g. , accidentally emailing it out, your computer getting hacked), you could be held responsible. 3. “Growing your business beyond your current insurance limits” Part of the reason you may offer services online is to drive growth. Most policies assume a certain dollar revenue for your business, and you should be updating your policy as you grow.... --- ## FAQs ### Does general liability insurance cover lawsuits launched by an unhappy customer? - Published: 2025-04-11 - Modified: 2025-04-11 - URL: https://www.zensurance.com/blog/faq-items/does-general-liability-insurance-cover-lawsuits-launched-by-an-unhappy-customer - FAQ Categories: Travel Agent Insurance No. General liability insurance covers third-party bodily injury and property damage claims. E&O insurance covers an agency’s legal defence fees if sued by a dissatisfied customer for alleged poor service or errors made by a travel agent. --- ### Does a home-based travel agent need liability insurance? - Published: 2025-04-11 - Modified: 2025-04-11 - URL: https://www.zensurance.com/blog/faq-items/does-a-home-based-travel-agent-need-liability-insurance - FAQ Categories: Travel Agent Insurance Yes. Independent home-based travel agents face the same risks as in-office agents, including booking errors, cyber threats, and lawsuits from dissatisfied clients. A homeowner’s insurance policy is not designed to cover business-related activities. --- ### Does travel agent E&O insurance cover mistakes made on social media? - Published: 2025-04-11 - Modified: 2025-04-11 - URL: https://www.zensurance.com/blog/faq-items/does-travel-agent-eo-insurance-cover-mistakes-made-on-social-media - FAQ Categories: Travel Agent Insurance Yes. E&O insurance for travel agents includes coverage for allegations of defamation, false advertising, or copyright infringement in marketing materials up to the policy’s coverage limit. --- ### Does Temu require sellers to have insurance? - Published: 2025-04-01 - Modified: 2025-04-08 - URL: https://www.zensurance.com/blog/faq-items/does-temu-require-sellers-to-have-insurance - FAQ Categories: Temu Insurance While Temu doesn't specifically require sellers to have insurance, it's strongly advised that you get suitable coverage to safeguard your business from potential risks. --- ### Are there specific insurance requirements for selling certain products on Temu? - Published: 2025-04-01 - Modified: 2025-04-08 - URL: https://www.zensurance.com/blog/faq-items/are-there-specific-insurance-requirements-for-selling-certain-products-on-temu - FAQ Categories: Temu Insurance While Temu does not have specific insurance requirements, sellers of high-risk products, such as electronics and children's toys, may need to obtain specialized insurance coverage. --- ### What are the appropriate coverage limits for my business’s policy? - Published: 2025-04-01 - Modified: 2025-04-08 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-appropriate-coverage-limits-for-my-businesss-policy - FAQ Categories: Temu Insurance Consider various factors, such as the nature of the products you sell and the potential risks they may pose to your customers. Speak to a Zensurance broker for help customizing a policy to suit your specific needs. --- ### Will commercial auto insurance cover me if my tools are stolen from my business vehicle? - Published: 2025-02-21 - Modified: 2025-03-12 - URL: https://www.zensurance.com/blog/faq-items/will-commercial-auto-insurance-cover-me-if-my-tools-are-stolen-from-my-business-vehicle - FAQ Categories: Commercial Auto No, a commercial auto insurance policy typically does not cover the theft of tools or equipment from a vehicle. While commercial auto insurance covers the vehicle itself, liability, and potentially cargo in transit, it generally excludes coverage for personal or business tools and equipment. To cover tools and equipment, you need a tools and equipment insurance policy. It protects against the loss or theft of tools and equipment used for business purposes, whether they are stored in a vehicle, on a job site, or elsewhere. --- ### Is a pickup truck considered a commercial vehicle? - Published: 2025-02-21 - Modified: 2025-03-12 - URL: https://www.zensurance.com/blog/faq-items/is-a-pickup-truck-considered-a-commercial-vehicle-2 - FAQ Categories: Commercial Auto In general, most provinces consider pickup trucks to be commercial motor vehicles if they are used for commercial or business purposes. However, check with your provincial transportation ministry to determine if your pickup truck is classified as a commercial vehicle. --- ### If I use my personal vehicle for business purposes and get into a collision, will my personal auto policy cover me? - Published: 2025-02-21 - Modified: 2025-03-12 - URL: https://www.zensurance.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 Not necessarily. If the insurer for your existing personal auto policy is unaware you are using your private vehicle for business purposes, they could deny any claim you file. That means you will be on your own to cover the cost of repairing or replacing your vehicle. Furthermore, your personal auto policy could be cancelled by the insurer for not notifying them you use your vehicle for work. If an insurer cancels your personal auto policy, it will cause your premium to rise significantly. --- ### How is the grant prize winner selected? - Published: 2025-02-13 - Modified: 2025-02-21 - URL: https://www.zensurance.com/blog/faq-items/how-is-the-grant-prize-winner-selected - FAQ Categories: Grant FAQ A shortlist of six (6) entries will be selected by a panel of judges on March 25th, 2025, from the entries that are deemed legitimate by Zensurance. Once the shortlisters are announced, the public may vote on which of the top six shortlisted applicants they think should win the $10,000 grant from March 25, 2025, to April 4, 2025. The shortlister with the most amount of verified votes will win the $10,000 grant. The remaining five shortlisted applicants will receive a $1,000 grant. Winners will be announced on April 8, 2025. --- ### What is classified as a Canadian small business? - Published: 2025-02-13 - Modified: 2025-02-21 - URL: https://www.zensurance.com/blog/faq-items/what-is-classified-as-a-canadian-small-business - FAQ Categories: Grant FAQ To be eligible for this Promotion, you must be a budding entrepreneur and/or the owner of a small business (“participant”), for-profit, not-for-profit and social enterprises are eligible, or an employee of an eligible business with written permission from the owner, president or chief executive officer of the business, and fit the following criteria: a) be a revenue-generating Canadian business with 1-100 employees; b) the company must have a business bank account that is not used for any personal expenditure. b) the company must not have annual revenue exceeding one million dollars ($1,000,000). --- ### Do I need to be a customer? - Published: 2025-02-13 - Modified: 2025-02-21 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-to-be-a-customer - FAQ Categories: Grant FAQ No purchase necessary. Making a purchase will not in any way increase or otherwise impact your chances of selection as the winner of the Promotion. --- ### Are my tenants’ personal belongings covered by an owner’s apartment building insurance policy? - Published: 2024-10-10 - Modified: 2024-10-10 - URL: https://www.zensurance.com/blog/faq-items/are-my-tenants-personal-belongings-covered-by-an-owners-apartment-building-insurance-policy - FAQ Categories: Apartment Building Insurance No. It's wise to encourage or require your tenants to carry tenants' or renters' insurance. Tenants’ insurance covers damages to their personal property and the liability risks they face. Apartment building insurance, on the other hand, covers the building structure, your business contents, and your liability as the property owner. --- ### Does apartment building insurance cover damages caused by a natural disaster? - Published: 2024-10-10 - Modified: 2024-10-10 - URL: https://www.zensurance.com/blog/faq-items/does-apartment-building-insurance-cover-damages-caused-by-a-natural-disaster - FAQ Categories: Apartment Building Insurance Most policies cover some natural disasters like wildfires and windstorms but may exclude others like overland floods and earthquakes. Owners of buildings in high-risk areas should consider additional coverages for these specific perils. --- ### How can I keep the premium for an apartment building insurance policy as low as possible? - Published: 2024-10-10 - Modified: 2024-10-10 - URL: https://www.zensurance.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 Keeping your premium as low as possible requires implementing safety measures (such as security systems and fire alarms), maintaining the property to ensure it’s in good condition and avoiding filing claims, choosing high deductibles, and bundling policies with the same insurer. Annually reviewing and updating your coverage is recommended. A Zensurance broker can help you do that. --- ### How can I get a certificate of insurance to prove I’m insured for my event? - Published: 2024-10-08 - Modified: 2024-10-08 - URL: https://www.zensurance.com/blog/faq-items/how-can-i-get-a-certificate-of-insurance-to-prove-im-insured-for-my-event - FAQ Categories: BC Event Insurance After purchasing a special event liability insurance policy from Zensurance, we will email you a certificate of insurance in 24 hours or less. --- ### Does my special event insurance cover incidents that occur after the event? - Published: 2024-10-08 - Modified: 2024-10-08 - URL: https://www.zensurance.com/blog/faq-items/does-my-special-event-insurance-cover-incidents-that-occur-after-the-event - FAQ Categories: BC Event Insurance No. Once your special event liability insurance policy expires, it will not cover damage or loss claims that occur after the event has ended. --- ### Does special event insurance cover a cancelled event? - Published: 2024-10-08 - Modified: 2024-10-08 - URL: https://www.zensurance.com/blog/faq-items/does-special-event-insurance-cover-a-cancelled-event - FAQ Categories: BC Event Insurance If your event is cancelled or postponed due to unforeseen circumstances such as extreme weather or a natural disaster, you may require additional coverage for the financial losses you incur. --- ### Does home-based business insurance cover me if I work at a client’s location? - Published: 2024-10-08 - Modified: 2024-10-08 - URL: https://www.zensurance.com/blog/faq-items/does-home-based-business-insurance-cover-me-if-i-work-at-a-clients-location - FAQ Categories: Ontario Home Business Insurance 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? - Published: 2024-10-08 - Modified: 2024-10-08 - URL: https://www.zensurance.com/blog/faq-items/what-is-not-covered-by-home-based-business-insurance - FAQ Categories: Ontario Home Business Insurance Common exclusions in a home-based business insurance policy may include intentional acts, and your personal property is not used for business purposes. --- ### What types of cybercrime are typically covered by a cybercrime insurance policy? - Published: 2024-10-08 - Modified: 2024-10-08 - URL: https://www.zensurance.com/blog/faq-items/what-types-of-cybercrime-are-typically-covered-by-a-cybercrime-insurance-policy - FAQ Categories: Cybercrime Insurance Cybercrime insurance usually covers ransomware attacks, funds transfer fraud, phishing scams, social engineering, and cyber extortion, as well as losses from data theft or financial fraud. --- ### Does cybercrime insurance cover business interruption losses? - Published: 2024-10-08 - Modified: 2024-10-08 - URL: https://www.zensurance.com/blog/faq-items/does-cybercrime-insurance-cover-business-interruption-losses - FAQ Categories: Cybercrime Insurance Cybercrime insurance can cover business interruption losses if a cyber-attack causes your business to shut down temporarily, including lost income and operational expenses during downtime. Be sure to check your policies details to ensure you have this coverage or speak to a Zensurance broker. --- ### How can a business keep the cost of cybercrime insurance as low as possible? - Published: 2024-10-08 - Modified: 2024-10-08 - URL: https://www.zensurance.com/blog/faq-items/how-can-a-business-keep-the-cost-of-cybercrime-insurance-as-low-as-possible - FAQ Categories: Cybercrime Insurance Ensure your business has strong cybersecurity measures, including firewalls, antivirus software, regularly use data encryption, and multifactor authentication to access systems. Routinely conduct cybersecurity audits and implement an employee training program on cybersecurity best practices. Taking these proactive measures can help reduce your risk and potentially lower your premium. --- ### Does a snow removal business need professional liability insurance? - Published: 2024-09-24 - Modified: 2024-10-08 - URL: https://www.zensurance.com/blog/faq-items/does-a-snow-removal-business-need-professional-liability-insurance - FAQ Categories: Ontario Snow Removal Insurance Professional liability insurance, or errors and omissions (E&O) insurance, covers claims related to mistakes or negligence in your work. It can be added to your policy to cover accusations or lawsuits of not adequately removing snow or ice on a customer’s property that can lead to an accident or injury to others. --- ### Are there specific exclusions in what a snow removal insurance policy will cover? - Published: 2024-08-09 - Modified: 2024-08-09 - URL: https://www.zensurance.com/blog/faq-items/are-there-specific-exclusions-in-what-a-snow-removal-insurance-policy-will-cover - FAQ Categories: Snow Removal Insurance Yes. All liability insurance policies contain exclusions. An exclusion is a provision that removes your coverage for certain risks, hazards, or events and outlines what is not covered by your policy. They are designed to help keep the price of premiums affordable. A common exclusion in a snow removal policy may be damages caused by intentional or criminal acts. Speak to a licensed Zensurance broker to understand your policy’s details and what your coverage provides and excludes. --- ### How can I keep an annual snow removal insurance premium as low as possible? - Published: 2024-08-09 - Modified: 2024-09-24 - URL: https://www.zensurance.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 There are a few steps business owners and snow removal contractors can take to keep the cost of their policies low, including: Only allow experienced, trained employees to drive snowplow vehicles who have clean driving records and no history of filing an insurance claim. Accurately document and maintain records of your work on customer properties. Have a documented risk management and business continuity plan that includes regular safety and equipment inspections. Have a lawyer draft and review customer contracts and liability waivers detailing your work scope and responsibilities to help prevent legal disputes. --- ### Does psychotherapist insurance include coverage for patient sessions hosted online? - Published: 2024-06-11 - Modified: 2024-06-11 - URL: https://www.zensurance.com/blog/faq-items/does-psychotherapist-insurance-include-coverage-for-patient-sessions-hosted-online - FAQ Categories: Psychotherapist Insurance Psychotherapist insurance usually covers online sessions, but it depends on the terms and conditions and exclusions in your policy’s details. A Zensurance broker can advise you on what coverages you should include and highlight its exclusion --- ### Does psychotherapist professional liability insurance cover claims or lawsuits for past incidents? - Published: 2024-06-11 - Modified: 2024-06-11 - URL: https://www.zensurance.com/blog/faq-items/does-psychotherapist-professional-liability-insurance-cover-claims-or-lawsuits-for-past-incidents - FAQ Categories: Psychotherapist Insurance Most professional liability insurance policies operate on a claims-made basis to cover claims made during an active policy period. Speak to a licensed Zensurance broker if you require coverage for retroactive dates and extended reporting periods for past incidents. --- ### Does commercial property insurance cover a leased or rented office space? - Published: 2024-06-11 - Modified: 2024-06-11 - URL: https://www.zensurance.com/blog/faq-items/does-commercial-property-insurance-cover-a-leased-or-rented-office-space - FAQ Categories: Psychotherapist Insurance Yes. Commercial property insurance covers unforeseen damages to a leased or rented office and any improvements you make to that office space as a tenant. --- ### Is hot dog cart liability insurance required to sell food at public events and festivals? - Published: 2024-05-02 - Modified: 2024-05-02 - URL: https://www.zensurance.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 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? - Published: 2024-05-02 - Modified: 2024-05-02 - URL: https://www.zensurance.com/blog/faq-items/does-hot-dog-cart-insurance-cover-me-if-my-cart-is-vandalized-or-stolen - FAQ Categories: Hot Dog Cart Insurance If your policy includes commercial property insurance, your hot dog cart and inventory are covered for damages to your cart caused by theft, vandalism, fire, water, and natural disasters. --- ### Will hot dog cart insurance cover me if a customer sues me? - Published: 2024-05-02 - Modified: 2024-05-02 - URL: https://www.zensurance.com/blog/faq-items/will-hot-dog-cart-insurance-cover-me-if-a-customer-sues-me - FAQ Categories: Hot Dog Cart Insurance Yes. Hot dog cart insurance typically covers your legal fees and expenses for covered liabilities per your policy’s details and coverage limit. --- ### Does condo rental insurance for landlords cover intentional damage caused by a tenant? - Published: 2024-05-02 - Modified: 2024-05-02 - URL: https://www.zensurance.com/blog/faq-items/does-condo-rental-insurance-for-landlords-cover-intentional-damage-caused-by-a-tenant - FAQ Categories: Condo Rental Insurance No. Condo rental insurance for landlords typically does not cover intentional damage caused by a tenant, such as vandalism or malicious destruction of your property. However, you may be able to include optional coverage to safeguard yourself from this type of risk. Speak to a Zensurance broker if you have concerns or questions about such risk. --- ### Does insurance for a rental condo cover my tenants? - Published: 2024-05-02 - Modified: 2024-05-02 - URL: https://www.zensurance.com/blog/faq-items/does-insurance-for-a-rental-condo-cover-my-tenants - FAQ Categories: Condo Rental Insurance No. A landlord’s or owner’s condo rental insurance policy does not provide coverage for a tenant’s belongings or their liability risks. It’s advisable to encourage your tenants to purchase tenants’ or renters’ liability insurance to cover the risk of damage and loss to their possessions housed in your rental unit. --- ### Can I cancel a condo rental insurance policy if my unit is unoccupied? - Published: 2024-05-02 - Modified: 2024-05-02 - URL: https://www.zensurance.com/blog/faq-items/can-i-cancel-a-condo-rental-insurance-policy-if-my-unit-is-unoccupied - FAQ Categories: Condo Rental Insurance You may be able to cancel or modify your policy if the unit is unoccupied for an extended period. However, a vacant unit also poses damage and liability risks, and you might require vacant property insurance to protect yourself if someone is injured in the unit while visiting or viewing it or if there are damages to the building resulting from an insured loss, such as a fire or severe weather. --- ### Do restaurant owners need to add ‘umbrella insurance’ to their policies? - Published: 2024-04-25 - Modified: 2024-04-25 - URL: https://www.zensurance.com/blog/faq-items/do-restaurant-owners-need-to-add-umbrella-insurance-to-their-policies - FAQ Categories: BC Restaurant Insurance Umbrella liability insurance provides additional liability coverage for damages exceeding your general liability or commercial auto insurance coverage limits following a claim or lawsuit. Speak to a licensed Zensurance broker to determine if you should add this extra layer of protection to your policy. --- ### Does restaurant insurance cover legal expenses if I’m sued? - Published: 2024-04-25 - Modified: 2024-04-25 - URL: https://www.zensurance.com/blog/faq-items/does-restaurant-insurance-cover-legal-expenses-if-im-sued - FAQ Categories: BC Restaurant Insurance Yes. A customized restaurant insurance policy from Zensurance includes coverage for the business owner’s legal advice and defence expenses if threatened with legal action, liability claims, or taken to court. Policies usually include coverage for court costs, settlements, or judgments awarded to a plaintiff up to your policy’s coverage limit. --- ### What does a restaurant owner need to do if they have to file an insurance claim? - Published: 2024-04-25 - Modified: 2024-04-25 - URL: https://www.zensurance.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 If you need to file a claim for damages or losses to your restaurant,contact Zensurance immediatelyby calling us toll-free at1-888-654-6030 or emailing us at claims@zensurance. com. Our dedicated claims team will guide you through the claims reporting process. You will need to provide the name of the restaurant, the business owner’s or policyholder’s name, a description of the damages, a police report (if applicable), and any photos or videos you have of the damages. --- ### Does landscaping insurance cover damages to a client’s property caused by landscaping mistakes or errors? - Published: 2024-03-27 - Modified: 2024-03-27 - URL: https://www.zensurance.com/blog/faq-items/does-landscaping-insurance-cover-damages-to-a-clients-property-caused-by-landscaping-mistakes-or-errors - FAQ Categories: Landscaper Insurance You need to include errors and omissions (E&O) insurance in your policy to cover claims of professional negligence, mistakes, errors, omissions, and failure to deliver a service as promised. Talk to a Zensurance broker if you have questions. --- ### Does my landscaping insurance policy cover their work if I hire part-time or seasonal employees? - Published: 2024-03-27 - Modified: 2024-03-27 - URL: https://www.zensurance.com/blog/faq-items/does-my-landscaping-insurance-policy-cover-their-work-if-i-hire-part-time-or-seasonal-employees - FAQ Categories: Landscaper Insurance No. A landscaping insurance policy only covers your full-time employees up to its specified coverage limit. If you hire part-time or seasonal employees or subcontractors, they should have their own coverage. --- ### My company only provides lawn care and basic lawn mowing services. Do I need a landscaping insurance policy? - Published: 2024-03-27 - Modified: 2024-03-27 - URL: https://www.zensurance.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 Yes. Although cutting grass seems like a low-risk service, you could always face a third-party bodily injury or property damage claim or lawsuit. Without insurance, you must shoulder the cost of those claims, including your legal defence expenses, if you need to hire a lawyer. --- ### Does soccer liability insurance cover auto collisions or accidents? - Published: 2024-03-26 - Modified: 2024-03-26 - URL: https://www.zensurance.com/blog/faq-items/does-soccer-liability-insurance-cover-auto-collisions-or-accidents - FAQ Categories: Soccer Insurance If you have commercial auto insurance as part of your soccer liability policy, yes, a transportation-related accident involving a team bus, van, or private vehicles transporting players, coaches, and a team’s volunteer staff may be covered. Most private-passenger car insurance policies do not cover accidents involving a vehicle used for business purposes to transport people, materials, or packaged goods. Speak to a licensed Zensurance broker if you have questions about commercial auto insurance. --- ### What types of third-party bodily injuries to players does a soccer insurance policy cover? - Published: 2024-03-26 - Modified: 2024-03-26 - URL: https://www.zensurance.com/blog/faq-items/what-types-of-third-party-bodily-injuries-to-players-does-a-soccer-insurance-policy-cover - FAQ Categories: Soccer Insurance Many insurers offer participant injury coverage within a soccer liability insurance policy to cover participants in a soccer game under the policyholder’s (i. e. the team or the league) coverage. Speak to a Zensurance broker if you have questions. --- ### Do referees and league officials need soccer liability insurance? - Published: 2024-03-26 - Modified: 2024-03-26 - URL: https://www.zensurance.com/blog/faq-items/do-referees-and-league-officials-need-soccer-liability-insurance - FAQ Categories: Soccer Insurance Yes. Referees and officials responsible for officiating soccer matches and tournaments may face lawsuits, claims, or allegations of negligence arising from their decisions or actions during games. --- ### Does dog training liability insurance cover training sessions conducted in a public park or at a customer’s home? - Published: 2024-03-26 - Modified: 2024-03-26 - URL: https://www.zensurance.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 Yes. Dog training liability insurance typically covers training sessions conducted in various locations, including public parks, a customer’s home, training facilities, or your place of business. However, you should confirm with a Zensurance broker that your policy allows for this and ensure you comply with local regulations. --- ### Does dog training liability insurance cover trainers for all types of dog breeds? - Published: 2024-03-26 - Modified: 2024-03-26 - URL: https://www.zensurance.com/blog/faq-items/does-dog-training-liability-insurance-cover-trainers-for-all-types-of-dog-breeds - FAQ Categories: Dog Trainer Insurance Some insurers may have restrictions or exclusions for specific dog breeds with a perceived higher risk of aggression or bite incidents. Ask a Zensurance broker about your policy's exclusions or breed restrictions. --- ### Does dog training liability insurance cover remote or online training sessions? - Published: 2024-03-26 - Modified: 2024-03-26 - URL: https://www.zensurance.com/blog/faq-items/does-dog-training-liability-insurance-cover-remote-or-online-training-sessions - FAQ Categories: Dog Trainer Insurance Coverage for remote or online training services may vary among insurance providers. If you offer virtual dog training sessions, speak to a Zensurance broker to ensure your policy covers virtual training sessions. --- ### Does product liability insurance cover me if I also sell on other third-party marketplaces? - Published: 2024-03-21 - Modified: 2024-03-21 - URL: https://www.zensurance.com/blog/faq-items/does-product-liability-insurance-cover-me-if-i-also-sell-on-other-third-party-marketplaces - FAQ Categories: Amazon Insurance Yes. Whether your business is a private label seller, wholesaler, or retail shop that uses Amazon or any online marketplace including eBay, Etsy, and Wayfair, a customized product liability insurance policy is designed to cover you for third-party bodily injury and third-party property damage claims caused to a customer by a product you sold to them. --- ### What is the difference between liability insurance and cargo insurance for moving companies? - Published: 2024-03-14 - Modified: 2024-03-14 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-liability-insurance-and-cargo-insurance-for-moving-companies - FAQ Categories: Movers Insurance Liability insurance (such as general liability or commercial auto insurance) covers damages and injuries to third parties, while cargo insurance covers damage or loss of customers' belongings while in transit. --- ### Do moving companies need insurance for their storage facilities? - Published: 2024-03-14 - Modified: 2024-03-14 - URL: https://www.zensurance.com/blog/faq-items/do-moving-companies-need-insurance-for-their-storage-facilities - FAQ Categories: Movers Insurance Yes. Any moving company offering storage services needs coverage for their storage facilities, including commercial property insurance to protect the facility and general liability insurance to cover third-party injuries or property damage on the premises. --- ### Does moving company insurance cover damage caused by improper packing or handling by customers? - Published: 2024-03-14 - Modified: 2024-03-14 - URL: https://www.zensurance.com/blog/faq-items/does-moving-company-insurance-cover-damage-caused-by-improper-packing-or-handling-by-customers - FAQ Categories: Movers Insurance No. Your coverage may not extend to damage caused by customers' improper packing or handling of goods. Educate your customers on proper packing techniques and offer professional packing services to minimize the risk of damage to their belongings. --- ### Does dropshipping insurance cover products shipped to customers outside of Canada? - Published: 2024-03-14 - Modified: 2024-03-14 - URL: https://www.zensurance.com/blog/faq-items/does-dropshipping-insurance-cover-products-shipped-to-customers-outside-of-canada - FAQ Categories: Dropshipping Insurance It depends on your policy's terms, conditions, and exclusions. A dropshipping insurance policy's coverage terms and exclusions may vary depending on the provider. Speak to a licensed Zensurance broker about your options to cover items shipped internationally. --- ### Can dropshipping insurance help protect my business against customer chargebacks? - Published: 2024-03-14 - Modified: 2024-03-14 - URL: https://www.zensurance.com/blog/faq-items/can-dropshipping-insurance-help-protect-my-business-against-customer-chargebacks - FAQ Categories: Dropshipping Insurance Yes. Dropshipping insurance, which includes product liability coverage, is designed to cover financial losses due to chargebacks, customer disputes, fraud, and legal expenses for dispute resolution. --- ### Do I need dropshipping insurance if I already have product liability insurance? - Published: 2024-03-14 - Modified: 2024-03-14 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-dropshipping-insurance-if-i-already-have-product-liability-insurance - FAQ Categories: Dropshipping Insurance Although product liability insurance covers risks associated with products you sell to customers, dropshipping insurance covers you for specific risks related to using outsourced dropshipping providers, such as shipping damage, order fulfillment errors, and errors by the dropshipping provider. --- ### Does sports coach insurance cover volunteer coaches? - Published: 2024-03-14 - Modified: 2024-03-14 - URL: https://www.zensurance.com/blog/faq-items/does-sports-coach-insurance-cover-volunteer-coaches - FAQ Categories: Sports Coach Insurance Yes. Sports coach liability insurance covers volunteer coaches, although the level of coverage and eligibility may vary depending on the insurance provider, the coverage limits, and policy terms. --- ### Does a sports coach insurance policy cover allegations of professional misconduct? - Published: 2024-03-14 - Modified: 2024-03-14 - URL: https://www.zensurance.com/blog/faq-items/does-a-sports-coach-insurance-policy-cover-allegations-of-professional-misconduct - FAQ Categories: Sports Coach Insurance Yes. Sports coach liability insurance that includes professional liability coverage may cover claims alleging professional misconduct, negligence, errors or omissions in their coaching duties. --- ### Why do amateur sports coaches need liability insurance? - Published: 2024-03-14 - Modified: 2024-03-14 - URL: https://www.zensurance.com/blog/faq-items/why-do-amateur-sports-coaches-need-liability-insurance - FAQ Categories: Sports Coach Insurance Sports coaches need liability insurance to protect themselves from potential lawsuits related to player injuries, third-party property damage, professional negligence, or other liabilities that may arise during coaching activities. Although it may not be required legally in your province, it is highly recommended to have adequate coverage to cover unexpected damages and losses. --- ### Can a sole proprietor or independent contractor get drywall insurance? - Published: 2024-03-01 - Modified: 2024-03-01 - URL: https://www.zensurance.com/blog/faq-items/can-a-sole-proprietor-or-independent-contractor-get-drywall-insurance - FAQ Categories: Drywall Insurance Yes. Sole proprietors and independent contractors can obtain drywall insurance. It's important to have coverage before embarking on any construction or renovation project to protect yourself from potential liabilities and financial risks. --- ### What happens if a drywaller doesn’t have insurance and is sued? - Published: 2024-03-01 - Modified: 2024-03-01 - URL: https://www.zensurance.com/blog/faq-items/what-happens-if-a-drywaller-doesnt-have-insurance-and-is-sued - FAQ Categories: Drywall Insurance If you don't have drywall insurance and you're sued for damages or injuries related to your work, you could be personally responsible for covering the costs, including legal fees and settlements, which would significantly impact your finances and business. --- ### Is professional liability insurance included in drywall insurance? - Published: 2024-03-01 - Modified: 2024-03-01 - URL: https://www.zensurance.com/blog/faq-items/is-professional-liability-insurance-included-in-drywall-insurance - FAQ Categories: Drywall Insurance No. Professional liability insurance, also known as errors and omissions (E&O) insurance, is not typically included in a drywall contractor insurance policy. However, you can add it to a policy if you wish. It is worthwhile to have if you provide consulting and design services. --- ### Do I need business insurance if my side hustle is only part-time? - Published: 2024-02-28 - Modified: 2024-02-28 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-business-insurance-if-my-side-hustle-is-only-part-time - FAQ Categories: Side Hustle Insurance Yes. Most side hustles or side jobs you have require business liability insurance to protect your finances from accidents, unexpected damages, and legal threats. Whether you’re a part-time Amazon or Etsy seller, dog walker, or photographer, you’re liable for any product you sell or service you provide. --- ### Does my side hustle insurance cover special events? - Published: 2024-02-28 - Modified: 2024-02-28 - URL: https://www.zensurance.com/blog/faq-items/does-my-side-hustle-insurance-cover-special-events - FAQ Categories: Side Hustle Insurance Some side hustle insurance policies may cover special events, but it depends on the policy’s terms, conditions, exclusions, and endorsements. Most policies would cover you for your business attending events such as markets and tradeshows. Speak to a licensed Zensurance broker if you have questions about the type of coverage you need. --- ### Can I get insurance if my side hustle operates from home? - Published: 2024-02-28 - Modified: 2024-02-28 - URL: https://www.zensurance.com/blog/faq-items/can-i-get-insurance-if-my-side-hustle-operates-from-home - FAQ Categories: Side Hustle Insurance Yes. Whether a side hustle or full-time occupation, all home-based businesses should have a business insurance policy. Contrary to popular belief, homeowner insurance, condo insurance, or renters insurance is not designed to cover damages and losses resulting from commercial activities. --- ### Are franchisees required to purchase insurance through the franchisor's recommended provider? - Published: 2024-02-06 - Modified: 2024-02-06 - URL: https://www.zensurance.com/blog/faq-items/are-franchisees-required-to-purchase-insurance-through-the-franchisors-recommended-provider - FAQ Categories: Franchise Insurance Not necessarily. While some franchisors may have preferred insurance providers, franchisees can choose their insurance company or broker. Regardless, ensuring that your coverage meets the franchisor's requirements is essential. --- ### Does my franchise need umbrella liability insurance? - Published: 2024-02-06 - Modified: 2024-02-06 - URL: https://www.zensurance.com/blog/faq-items/does-my-franchise-need-umbrella-liability-insurance - FAQ Categories: Franchise Insurance Umbrella liability insurance provides additional coverage beyond the limits of your primary policy. It offers extra protection if a large liability claim exhausts your policy's coverage limit. Speak to a Zensurance broker about your business's coverage limits and if you need to add umbrella insurance to your policy. --- ### Do franchisees need insurance if the franchisor provides some coverage? - Published: 2024-02-06 - Modified: 2024-02-06 - URL: https://www.zensurance.com/blog/faq-items/do-franchisees-need-insurance-if-the-franchisor-provides-some-coverage - FAQ Categories: Franchise Insurance While your franchisor may provide some liability coverage, it is often limited or has gaps, exposing you to financial losses in the event of a claim or lawsuit. Franchisees are typically responsible for obtaining comprehensive insurance that meets the franchisor's requirements and adequately addresses the specific risks of their operations. --- ### How much coverage does my pharmacy technician insurance policy require? - Published: 2023-12-19 - Modified: 2023-12-19 - URL: https://www.zensurance.com/blog/faq-items/how-much-coverage-does-my-pharmacy-technician-insurance-policy-require - FAQ Categories: Pharmacy Technician Insurance Your policy's coverage limit depends on the minimum amount of insurance required by your provincial regulator, your pharmacy practice setting, the level of risk, and potential legal costs you may incur. --- ### Does pharmacy tech liability insurance cover all types of pharmacy practice settings? - Published: 2023-12-19 - Modified: 2023-12-19 - URL: https://www.zensurance.com/blog/faq-items/does-pharmacy-tech-liability-insurance-cover-all-types-of-pharmacy-practice-settings - FAQ Categories: Pharmacy Technician Insurance Coverage can vary among policies. Policies may differ for those working in community pharmacies, hospitals, or other healthcare facilities. Speak to a Zensurance broker to learn what your options are. --- ### Are legal defence costs covered even if a claim against me is meritless or unfounded? - Published: 2023-12-19 - Modified: 2023-12-19 - URL: https://www.zensurance.com/blog/faq-items/are-legal-defence-costs-covered-even-if-a-claim-against-me-is-meritless-or-unfounded - FAQ Categories: Pharmacy Technician Insurance Yes. A pharmacy technician liability insurance policy covers your legal defence costs, even if the claim against you is unfounded, meritless, or frivolous. --- ### Does Syzl maker liability insurance cover my legal defence costs if I’m sued? - Published: 2023-12-14 - Modified: 2023-12-14 - URL: https://www.zensurance.com/blog/faq-items/does-syzl-maker-liability-insurance-cover-my-legal-defence-costs-if-im-sued - FAQ Categories: Syzl Yes. Liability insurance typically covers legal defence costs, including attorney fees, court expenses, and settlement payments. Paying for legal defence can be substantial, even if a lawsuit is unsuccessful or without merit. --- ### How much liability insurance should I buy? - Published: 2023-12-14 - Modified: 2023-12-14 - URL: https://www.zensurance.com/blog/faq-items/how-much-liability-insurance-should-i-buy - FAQ Categories: Syzl The amount of coverage, or your policy’s coverage limit, depends on your risk exposure and other factors, such as your annual revenue and the services you provide. A licensed Zensurance broker can advise on how much coverage you require. --- ### Does Syzl maker insurance also cover independent kitchen and serving staff I hire short-term? - Published: 2023-12-14 - Modified: 2023-12-14 - URL: https://www.zensurance.com/blog/faq-items/does-syzl-maker-insurance-also-cover-independent-kitchen-and-serving-staff-i-hire-short-term - FAQ Categories: Syzl No. Your policy only covers you and your full-time employees. Independent kitchen staff or other professionals you hire short-term should have their own insurance coverage. --- ### How can I get a certificate of insurance for an event? - Published: 2023-12-06 - Modified: 2023-12-06 - URL: https://www.zensurance.com/blog/faq-items/how-can-i-get-a-certificate-of-insurance-for-an-event - FAQ Categories: Event Insurance After purchasing a special event liability insurance policy from Zensurance, we will email you a certificate of insurance in 24 hours or less. --- ### Does my event insurance policy cover incidents that occur after the event? - Published: 2023-12-06 - Modified: 2023-12-06 - URL: https://www.zensurance.com/blog/faq-items/does-my-event-insurance-policy-cover-incidents-that-occur-after-the-event - FAQ Categories: Event Insurance No. Once your special event liability insurance policy expires, it will not cover damage or loss claims that occur after the event has ended. --- ### Does special event insurance cover cancellations? - Published: 2023-12-06 - Modified: 2023-12-06 - URL: https://www.zensurance.com/blog/faq-items/does-special-event-insurance-cover-cancellations - FAQ Categories: Event Insurance If your event is cancelled or postponed due to unforeseen circumstances such as extreme weather, you may require additional coverage for the financial losses you incur. --- ### What is “Minimum Retained Premium”? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/what-is-minimum-retained-premium - FAQ Categories: Billing It is the minimum amount of the premium an insurance company is required to keep for coverage and not refund to the customer, even if the policy is cancelled before its term is completed. --- ### What are the fees when financing my insurance premium through Imperial PFS Canada? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-fees-when-financing-my-insurance-premium-through-imperial-pfs-canada - FAQ Categories: Billing Finance fee: Varies based on the insurance premium Credit card fee: When financing your premium with a credit card, you are charged a 2. 25% fee Non-Sufficient Funds (NSF) fee For every missed payment, you will be charged a $50 NSF fee --- ### What happens if I miss a payment? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/what-happens-if-i-miss-a-payment - FAQ Categories: Billing If you miss the original payment deadline, there will be an automatic attempt to retrieve your payment three business days later. You will be charged a $50 NSF fee for a missed payment. If funds are unavailable within three business days of your payment deadline, please call Imperial PFS Canada at 1-866-815-9454 to schedule an alternative payment date. If an attempt to retrieve your missed payment automatically does not clear, you will be charged an additional $50 NSF fee. You must contact Imperial PFS Canada directly to arrange payment or email our team at support@zensurance. com. --- ### Where can I find my Imperial PFS Canada login information? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/where-can-i-find-my-imperial-pfs-canada-login-information - FAQ Categories: Billing Your initial login information is your Imperial PFS Canada account number and the postal code you provided when you completed your finance agreement. --- ### What if I want to make changes to my method of billing or billing date?  - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/what-if-i-want-to-make-changes-to-my-method-of-billing-or-billing-date - FAQ Categories: Billing Please log in tothis portalto update your payment information. For details on how to do this clickhere. Alternatively, you can reach out to the Zensurance Account Team by email atsupport@zensurance. comor call us toll-free at1-888-6546030. --- ### Where can I access more information about Imperial PFS Canada and my financing options or account information? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/where-can-i-access-more-information-about-imperial-pfs-canada-and-my-financing-options-or-account-information - FAQ Categories: Billing Please visit the Imperial PFS Canada websitehere. --- ### Is there a downpayment required to finance my premium through IPFS? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/is-there-a-downpayment-required-to-finance-my-premium-through-ipfs - FAQ Categories: Billing Yes. This payment is required when setting up your insurance coverages and depending on your policy, it can range from 8% to 25% of your total financed premium. --- ### Who is IPFS? And what part does IPFS play in the billing of my insurance policy? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/who-is-ipfs-and-what-part-does-ipfs-play-in-the-billing-of-my-insurance-policy - FAQ Categories: Billing Imperial PFS Canada is our third-party partner providing Zensurance clients with monthly premium financing. A small financing fee is added to the overall financed amount. --- ### How do I get my receipt for my insurance premium? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/how-do-i-get-my-receipt-for-my-insurance-premium - FAQ Categories: Billing Please email support@zensurance. com. We are happy to provide you with a copy. --- ### How can I pay for my policy? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/how-can-i-pay-for-my-policy - FAQ Categories: Billing Credit card Electronic transfer Automatic banking withdrawal --- ### What payment options do you offer? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/what-payment-options-do-you-offer - FAQ Categories: Billing An annual full payment Monthly financing through our financing partner, Imperial PFS Canada. --- ### What is co-insurance? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/what-is-co-insurance - FAQ Categories: Claims Co-insurance, found chiefly in commercial property policies, refers to sharing financial responsibility between the policyholder and the insurance company for covered losses or claims. It is a clause that may be included in the policy to ensure that the insured carries the correct amount of coverage. Failing to meet the co-insurance requirement may result in a penalty. For example, if your property is valued at $1 million and your policy has an 80% co-insurance clause, you must have at least $800,000 in coverage. You would be considered underinsured if you only carry $600,000 in coverage. . In the event of a claim, a penalty would be applied. --- ### Can I choose my own repair contractor or legal counsel? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/can-i-choose-my-own-repair-contractor-or-legal-counsel - FAQ Categories: Claims Many insurance companies have a network of preferred repair shops or lawyers. However, you may be able to choose your own, depending on your policy. Always confirm with your insurer first. --- ### What happens if the cost of my claim exceeds my policy limit? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/what-happens-if-the-cost-of-my-claim-exceeds-my-policy-limit - FAQ Categories: Claims If the cost of a claim exceeds your policy limit, you'll be responsible for paying the balance owed. --- ### What is a deductible? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/what-is-a-deductible - FAQ Categories: Claims A deductible is the amount that you agree to pay out of pocket before your insurance coverage applies. Read more about how deductibles work here. --- ### How will a claim affect my insurance premiums? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/how-will-a-claim-affect-my-insurance-premiums - FAQ Categories: Claims Filing a claim may increase your insurance premium. The amount depends on the nature of the claim, your claim history, and the specifics of your policy. --- ### What can I do if my claim is denied? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/what-can-i-do-if-my-claim-is-denied - FAQ Categories: Claims If your claim is denied, the adjuster will provide you with a letter outlining the reasons for the denial. If you have any questions or want to review it, contact us, and we will do so. You can always ask the adjuster to review additional information to reconsider their decision, as long as it is submitted within the reporting period. --- ### How long does it take a claim to be settled? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/how-long-does-it-take-a-claim-to-be-settled - FAQ Categories: Claims How long a claim takes to close varies. Some claims are resolved in a few days and some may take a year or more. If you want to speed up the process, stay in touch with your adjuster and get them all the information they request as quickly as possible. --- ### What information do I need to provide an adjuster in the event of a claim? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/what-information-do-i-need-to-provide-an-adjuster-in-the-event-of-a-claim - FAQ Categories: Claims The adjuster assigned to your claim will be looking for all details relevant to the situation (legal notices, repair invoices, photos, etc. ) and proof of what you have lost. If a theft or property damage occurs, the adjuster will ask you to prove you owned the property. You may be required to submit original receipts, transaction histories or vendor statements to the adjuster, like a Home Depot account history. --- ### Does Zensurance assign contractors to help fix damages related to my claim? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/does-zensurance-assign-contractors-to-help-fix-damages-related-to-my-claim - FAQ Categories: Claims No. As insurance brokers, we do not have direct access to contractors. In case of a loss and immediate assistance is required, we recommend contacting an emergency restoration company. Retaining all receipts for any expenses incurred during this process is important. An adjuster representing the insurance company will reach out to you, and you can submit the receipts to them for potential reimbursement. --- ### Does Zensurance send the payments for my claim? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/does-zensurance-send-the-payments-for-my-claim - FAQ Categories: Claims No, payments for your claim are made directly by your insurer. Zensurance does not disburse claim payments. Once the insurer approves your claim, they will handle the payment process and issue payment to you directly. --- ### Does Zensurance decide whether or not my policy’s coverage applies to a claim? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/does-zensurance-decide-whether-or-not-my-policys-coverage-applies-to-a-claim - FAQ Categories: Claims Zensurance does not have the authority to make coverage decisions on your claim. That responsibility lies with the adjuster who is assigned to your claim. However, we can recommend specific coverage options tailored to your business, especially after a claim. --- ### Does Zensurance advocate for my claim? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/does-zensurance-advocate-for-my-claim - FAQ Categories: Claims Absolutely! At Zensurance, we are committed to advocating for our customers' rights. If we notice that a claim is taking an excessive amount of time or if a settlement offer is deemed unfair, we will step in to provide assistance and ensure that your best interests are represented. --- ### Who might contact me during my claim? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/who-might-contact-me-during-my-claim - FAQ Categories: Claims Multiple parties may be involved in assessing your claim and may contact you. Examples of parties that may contact you include, a Zensurance broker, claims examiner , claims adjuster and contractors preferred by your insurer. Some insurance companies use adjusters they employ, and others use adjusters from IPG, Claimspro, DWF or Crawford. Don't be surprised if a few people contact you, but always feel free to contact us if you need clarification about someone's role. --- ### I called the Zensurance emergency line and reported a claim. What happens next? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/i-called-the-zensurance-emergency-line-and-reported-a-claim-what-happens-next - FAQ Categories: Claims Our after-hours emergency calls go to our partners at IPG. They will assist you and then report the details to us, and we will share the information with your insurer. IPG may continue handling your claim, or another adjuster might be assigned. We will review it and contact you the next business day after you report a claim. An adjuster cannot confirm your coverage. --- ### Does Zensurance handle my claim? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/does-zensurance-handle-my-claim - FAQ Categories: Claims As insurance brokers, Zensurance is not directly responsible for handling claims. Instead, claims are typically managed either by your insurer or an independent adjuster assigned to your claim by the insurer. --- ### I just submitted a claim. What happens next? - Published: 2023-11-08 - Modified: 2023-11-08 - URL: https://www.zensurance.com/blog/faq-items/i-just-submitted-a-claim-what-happens-next - FAQ Categories: Claims After reporting a claim, the Zensurance claims team reviews the details and will contact you to confirm it has been received. We will then report it to your insurance company and an adjuster will be assigned. They will contact you and share next steps within a few business days. The adjuster will collect all information relevant to the claim, review and make a coverage decision. --- ### Does auto detailing business insurance cover mobile car detailing? - Published: 2023-10-31 - Modified: 2023-10-31 - URL: https://www.zensurance.com/blog/faq-items/does-auto-detailing-business-insurance-cover-mobile-car-detailing - FAQ Categories: Auto Detailer Insurance Yes, an auto detailing insurance policy can include mobile car detailing operations coverage. However, your policy must explicitly state it provides mobile car detailing services coverage. Sometimes called ‘off-premises’ coverage, talk to a Zensurance broker if you have questions about this type of protection. --- ### Are independent contractors or employees I hire covered by my auto detailing liability insurance? - Published: 2023-10-31 - Modified: 2023-10-31 - URL: https://www.zensurance.com/blog/faq-items/are-independent-contractors-or-employees-i-hire-covered-by-my-auto-detailing-liability-insurance - FAQ Categories: Auto Detailer Insurance It depends on the terms and conditions of your policy. Most auto detailing insurance policies include coverage for full- and part-time employees, but you may need to list them as additional insureds. Independent contractors, however, require their own liability insurance, as your policy does not automatically protect them. --- ### Are there any exclusions in auto detailing liability insurance policies? - Published: 2023-10-31 - Modified: 2023-10-31 - URL: https://www.zensurance.com/blog/faq-items/are-there-any-exclusions-in-auto-detailing-liability-insurance-policies - FAQ Categories: Auto Detailer Insurance Yes. Every insurance policy has exclusions. For example, intentional acts that cause damage to your business or criminal activities committed by an employee are not covered. A Zensurance broker can review your policy’s details to ensure you understand what you are and are not covered for if you need to file a claim. --- ### Does vape shop insurance cover online sales of vaping products? - Published: 2023-10-24 - Modified: 2023-10-24 - URL: https://www.zensurance.com/blog/faq-items/does-vape-shop-insurance-cover-online-sales-of-vaping-products - FAQ Categories: Vape Shop Insurance It depends on the policy. Some insurance policies include coverage for online sales, but not all. Speak to a licensed Zensurance broker if you sell vaping products online. --- ### Is selling e-liquids with high nicotine concentrations considered more risky to vape store owners? - Published: 2023-10-24 - Modified: 2023-10-24 - URL: https://www.zensurance.com/blog/faq-items/is-selling-e-liquids-with-high-nicotine-concentrations-considered-more-risky-to-vape-store-owners - FAQ Categories: Vape Shop Insurance Yes. Insurance providers consider vape juice or e-liquids with high nicotine concentrations more risky, and selling them may impact your premium. --- ### Does vape shop insurance include coverage for offering custom e-liquid mixing services? - Published: 2023-10-24 - Modified: 2023-10-24 - URL: https://www.zensurance.com/blog/faq-items/does-vape-shop-insurance-include-coverage-for-offering-custom-e-liquid-mixing-services - FAQ Categories: Vape Shop Insurance Yes. However, providing this service may require higher coverage limits and affect your annual premium. --- ### Can I save money on my annual premium by bundling different insurance coverages? - Published: 2023-10-24 - Modified: 2023-10-24 - URL: https://www.zensurance.com/blog/faq-items/can-i-save-money-on-my-annual-premium-by-bundling-different-insurance-coverages - FAQ Categories: Laundromat & Dry Cleaner Insurance Yes. Many insurance providers offer business owner’s policies that combine multiple coverages, such as general liability, commercial property, and business interruption insurance, at a lower premium than if they’re purchased separately. --- ### Is flood insurance included in a laundromat and dry cleaning insurance policy? - Published: 2023-10-24 - Modified: 2023-10-24 - URL: https://www.zensurance.com/blog/faq-items/is-flood-insurance-included-in-a-laundromat-and-dry-cleaning-insurance-policy - FAQ Categories: Laundromat & Dry Cleaner Insurance No. While water damage to your property caused by a burst pipe is covered by commercial property insurance, overland flood insurance is not typically included. Speak to a Zensurance broker if you need flood insurance for your business. --- ### Can I change my coverage if my business expands or adds new services? - Published: 2023-10-24 - Modified: 2023-10-24 - URL: https://www.zensurance.com/blog/faq-items/can-i-change-my-coverage-if-my-business-expands-or-adds-new-services - FAQ Categories: Laundromat & Dry Cleaner Insurance Yes. It’s advisable to make changes and update your policy whenever your business expands or adds new services by contacting a Zensurance broker. Also, consider how your laundry business has changed when you renew your policy each year to ensure you’re adequately covered. --- ### Why should DJs get liability insurance? - Published: 2023-10-24 - Modified: 2023-10-24 - URL: https://www.zensurance.com/blog/faq-items/why-should-djs-get-liability-insurance - FAQ Categories: DJ Insurance Your clients want to hire a professional DJ for their wedding, party, or corporate event. Having DJ liability insurance and a valid certificate of insurance to show your clients demonstrates your professionalism. Moreover, a DJ liability insurance policy doesn’t only protect you and your equipment; it also protects your clients and their guests if someone is injured or an unexpected incident occurs that causes others financial or physical harm. --- ### Does Zensurance provide one-day DJ event insurance coverage? - Published: 2023-10-24 - Modified: 2023-10-24 - URL: https://www.zensurance.com/blog/faq-items/does-zensurance-provide-one-day-dj-event-insurance-coverage - FAQ Categories: DJ Insurance No. Zensurance offers low-cost annual policies to protect disc jockeys year-round for every event or occasion they host. An annual liability policy offers DJs the benefit of continuous coverage throughout the year at a more affordable price than buying separate one-day policies for multiple events, and annual policies cover a broader scope of risks. --- ### Can I add other parties to my DJ liability insurance policy as additional insureds? - Published: 2023-10-24 - Modified: 2023-10-24 - URL: https://www.zensurance.com/blog/faq-items/can-i-add-other-parties-to-my-dj-liability-insurance-policy-as-additional-insureds - FAQ Categories: DJ Insurance Yes. In most cases, you can add a venue owner, event organizer, or an employee to your policy if you wish. By doing so, your policy provides them with limited protection for damage or loss claims. --- ### Does general liability insurance cover injuries to my employees? - Published: 2023-10-10 - Modified: 2023-10-10 - URL: https://www.zensurance.com/blog/faq-items/does-general-liability-insurance-cover-injuries-to-my-employees - FAQ Categories: CGL Cost No. General liability insurance is designed to cover injuries or property damage to third parties, like your customers. Your provincial workers’ compensation board covers an injured employee’s medical expenses and rehabilitation. --- ### Besides the location of my business, what other factors influence the cost of general liability insurance? - Published: 2023-10-10 - Modified: 2023-10-10 - URL: https://www.zensurance.com/blog/faq-items/besides-the-location-of-my-business-what-other-factors-influence-the-cost-of-general-liability-insurance - FAQ Categories: CGL Cost Beyond the location of your business, insurance providers consider several factors about your operations when determining the cost of a general liability insurance policy. These include what your company does and its products and services, the size of your business and how many employees you have, your annual and projected revenue, the coverage limits you choose, and your insurance claim history. --- ### How does my business location affect the cost of general liability insurance? - Published: 2023-10-10 - Modified: 2023-10-10 - URL: https://www.zensurance.com/blog/faq-items/how-does-my-business-location-affect-the-cost-of-general-liability-insurance - FAQ Categories: CGL Cost Where your business is located significantly affects the price you will pay for general liability insurance. For instance, areas with high crime rates, regions prone to natural disasters, or businesses close to high-risk activities, such as a nearby chemical plant, tend to pay more because the likelihood of suffering damages or losses may be higher than in other locations. --- ### Does pet grooming insurance include coverage for mobile grooming businesses? - Published: 2023-09-26 - Modified: 2023-09-26 - URL: https://www.zensurance.com/blog/faq-items/does-pet-grooming-insurance-include-coverage-for-mobile-grooming-businesses - FAQ Categories: Pet Groomer Insurance Yes. A customized pet grooming insurance policy from Zensurance can include coverage for mobile animal grooming services. Mobile pet grooming professionals typically operate out of a vehicle or trailer and travel to customers' homes or other locations to provide services. Because of this unique business model, mobile grooming businesses may have different insurance needs than traditional brick-and-mortar animal grooming businesses. --- ### Can I add additional insureds to my pet grooming insurance policy? - Published: 2023-09-26 - Modified: 2023-09-26 - URL: https://www.zensurance.com/blog/faq-items/can-i-add-additional-insureds-to-my-pet-grooming-insurance-policy - FAQ Categories: Pet Groomer Insurance Yes. You can add additional insureds, such as employees, clients, landlords, or vendors, to your pet grooming business insurance policy. There is no cost for including additional insureds under your policy to protect them from claims arising from your business operations. --- ### What is not covered by pet grooming insurance? - Published: 2023-09-26 - Modified: 2023-09-26 - URL: https://www.zensurance.com/blog/faq-items/what-is-not-covered-by-pet-grooming-insurance - FAQ Categories: Pet Groomer Insurance Pet grooming business insurance may not cover certain losses, such as intentional acts, criminal activities, or losses outside the policy period or coverage territory. It's important to have a Zensurance broker review your policy and explain its exclusions and limitations. --- ### Is E&O insurance industry-specific? - Published: 2023-09-08 - Modified: 2023-09-08 - URL: https://www.zensurance.com/blog/faq-items/is-eo-insurance-industry-specific - FAQ Categories: BC E&O Insurance Not necessarily. E&O insurance protects various small businesses and professionals across multiple industries, including medical, legal, technology, real estate, finance, sports and fitness, and construction. Talk to a Zensurance broker about your unique needs. --- ### Can E&O insurance be combined with other coverages? - Published: 2023-09-08 - Modified: 2023-09-08 - URL: https://www.zensurance.com/blog/faq-items/can-eo-insurance-be-combined-with-other-coverages - FAQ Categories: BC E&O Insurance Yes. We can combine your E&O insurance with coverages like general liability, cyber liability, and other types of insurance you may require to create comprehensive protection against your business's risks. --- ### Can E&O insurance cover retroactive claims? - Published: 2023-09-08 - Modified: 2023-09-08 - URL: https://www.zensurance.com/blog/faq-items/can-eo-insurance-cover-retroactive-claims - FAQ Categories: BC E&O Insurance If your E&O insurance policy includes retroactive coverage to cover claims arising from work you did in the past, and the policy was in effect when the work was performed, you can be covered. --- ### Can I get coverage for delivery drivers or food delivery services? - Published: 2023-09-08 - Modified: 2023-09-08 - URL: https://www.zensurance.com/blog/faq-items/can-i-get-coverage-for-delivery-drivers-or-food-delivery-services - FAQ Categories: Ontario Restaurant Insurance Yes. If a delivery driver is an employee driving your vehicle, you will need commercial auto insurance. However, if the employee uses their car to deliver food from your establishment, you will require hired and non-owned commercial auto insurance to cover them if they are involved in an accident. --- ### Are my employees covered if they get injured while working at my restaurant? - Published: 2023-09-08 - Modified: 2023-09-08 - URL: https://www.zensurance.com/blog/faq-items/are-my-employees-covered-if-they-get-injured-while-working-at-my-restaurant - FAQ Categories: Ontario Restaurant Insurance Injuries to employees while on the job are covered by your provincial workers’ compensation insurance program. You can include employers’ liability insurance in your policy to protect against claims for injuries or illnesses to employees not covered by your provincial workers’ compensation board. --- ### What happens if my restaurant needs to shut down for repairs or renovations temporarily? - Published: 2023-09-08 - Modified: 2023-09-08 - URL: https://www.zensurance.com/blog/faq-items/what-happens-if-my-restaurant-needs-to-shut-down-for-repairs-or-renovations-temporarily - FAQ Categories: Ontario Restaurant Insurance If you have business interruption insurance as part of your policy, it may cover your operating expenses up to the policy limit while repairs or renovations are underway. Business interruption insurance is designed to replace lost income during restoration and cover expenses such as rent, utilities, and other fixed costs. --- ### Does my contractor insurance cover the subcontractors I hire? - Published: 2023-09-01 - Modified: 2023-09-01 - URL: https://www.zensurance.com/blog/faq-items/does-my-contractor-insurance-cover-the-subcontractors-i-hire - FAQ Categories: Contractor Insurance Nova Scotia Your contractor insurance may cover subcontractors you hire if you include them as additional insureds in your policy. However, it’s highly recommended you only hire subcontractors that have their own insurance coverage. --- ### Does contractor liability insurance cover mistakes made by a contractor? - Published: 2023-09-01 - Modified: 2023-09-01 - URL: https://www.zensurance.com/blog/faq-items/does-contractor-liability-insurance-cover-mistakes-made-by-a-contractor - FAQ Categories: Contractor Insurance Nova Scotia Provided your contractor insurance policy includes professional liability insurance (also known as errors and omissions insurance), a claim against you for making mistakes on a project or building may be covered. --- ### Does contractor liability insurance cover completed operations claims? - Published: 2023-09-01 - Modified: 2023-09-01 - URL: https://www.zensurance.com/blog/faq-items/does-contractor-liability-insurance-cover-completed-operations-claims - FAQ Categories: Contractor Insurance Nova Scotia Yes. A contractor liability insurance policy can cover claims that arise after the completion of a project. For example, such claims might involve issues that become apparent after your work is done, such as a structural problem with a building. --- ### Can professional liability insurance cover my legal expenses if I’m sued? - Published: 2023-08-23 - Modified: 2023-08-23 - URL: https://www.zensurance.com/blog/faq-items/can-professional-liability-insurance-cover-my-legal-expenses-if-im-sued - FAQ Categories: BC Professional Liability Yes. Most professional liability policies include coverage for legal defence costs. The cost to hire a lawyer to defend you if you’re sued can be substantial, even if the claim or lawsuit is considered without merit and dismissed by a court of law. --- ### Does a professional liability insurance policy cover work I’ve done for previous customers? - Published: 2023-08-23 - Modified: 2023-08-23 - URL: https://www.zensurance.com/blog/faq-items/does-a-professional-liability-insurance-policy-cover-work-ive-done-for-previous-customers - FAQ Categories: BC Professional Liability Some policies offer retroactive coverage, meaning they cover claims arising from work you did before the policy's effective date, so long as the claim is filed while your policy is active and in force. --- ### What are coverage limits and deductibles in a professional liability insurance policy? - Published: 2023-08-23 - Modified: 2023-08-23 - URL: https://www.zensurance.com/blog/faq-items/what-are-coverage-limits-and-deductibles-in-a-professional-liability-insurance-policy - FAQ Categories: BC Professional Liability A professional liability insurance policy includes coverage limits and deductibles. Coverage limits are the maximum amount of money an insurer will pay for a claim. Deductibles are the amount you, as the policyholder, must pay before your insurance coverage applies after filing a claim. You can choose the coverage limits and deductibles in your policy. --- ### What coverage limits and deductibles does E&O insurance have? - Published: 2023-08-17 - Modified: 2023-08-17 - URL: https://www.zensurance.com/blog/faq-items/what-coverage-limits-and-deductibles-does-eo-insurance-have - FAQ Categories: E&O Insurance Alberta Coverage limits in an E&O insurance policy refer to the maximum amount of money an insurance provider will pay for an insurable loss or claim. Deductibles are the amount the policyholder must pay out of pocket before your insurance coverage pays. You can decide what coverage limits and deductibles you want in your policy. Speak to a licensed Zensurance broker about what coverage limits and deductibles you should consider. --- ### Is E&O insurance required by law? - Published: 2023-08-17 - Modified: 2023-08-17 - URL: https://www.zensurance.com/blog/faq-items/is-eo-insurance-required-by-law - FAQ Categories: E&O Insurance Alberta In some industries and professions, E&O insurance may be required by law or industry regulations. However, it is not a legal requirement for all businesses or occupations. --- ### What does E&O insurance not cover? - Published: 2023-08-17 - Modified: 2023-08-17 - URL: https://www.zensurance.com/blog/faq-items/what-does-eo-insurance-not-cover - FAQ Categories: E&O Insurance Alberta E&O insurance is not designed to cover intentional wrongdoing, criminal acts, or contractual disputes unrelated to professional negligence. --- ### Does liquor liability insurance cover fines for provincial liquor law violations? - Published: 2023-08-17 - Modified: 2023-08-17 - URL: https://www.zensurance.com/blog/faq-items/does-liquor-liability-insurance-cover-fines-for-provincial-liquor-law-violations - FAQ Categories: Liquor Liability Insurance No. Liquor liability insurance covers third-party bodily injury or property damage claims arising from selling or serving alcoholic beverages to people in your establishment or attending an event you host. It is not designed to pay for fines or penalties you are charged with by your province's liquor control board or other authority. --- ### Is liquor liability insurance federally mandated in Canada? - Published: 2023-08-17 - Modified: 2023-08-17 - URL: https://www.zensurance.com/blog/faq-items/is-liquor-liability-insurance-federally-mandated-in-canada - FAQ Categories: Liquor Liability Insurance No. However, each province has laws and regulations governing the sale and serving of alcoholic beverages in their respective jurisdictions. Check your province’s liquor control laws and regulations to know what you are legally required to do to sell and serve alcohol. --- ### Does a liquor liability insurance policy cover my employees’ actions? - Published: 2023-08-17 - Modified: 2023-08-17 - URL: https://www.zensurance.com/blog/faq-items/does-a-liquor-liability-insurance-policy-cover-my-employees-actions - FAQ Categories: Liquor Liability Insurance Liquor liability insurance generally covers claims arising from the actions of customers or guests served alcohol by your employees in your establishment or at your event. It typically does not cover actions or injuries caused by your employees if they are intoxicated. Those may be covered under a separate general liability policy or by workers' compensation insurance in your province. --- ### If I hire a subcontractor for a job, are they covered by my locksmith insurance policy? - Published: 2023-08-17 - Modified: 2023-08-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-hire-a-subcontractor-for-a-job-are-they-covered-by-my-locksmith-insurance-policy - FAQ Categories: Locksmith Insurance It depends on your policy. Some policies automatically include coverage for subcontractors, while others do not. It’s recommended you only hire subcontractors who have their own insurance. --- ### Does locksmith insurance cover completed operations or jobs? - Published: 2023-08-17 - Modified: 2023-08-17 - URL: https://www.zensurance.com/blog/faq-items/does-locksmith-insurance-cover-completed-operations-or-jobs - FAQ Categories: Locksmith Insurance Yes. Locksmith insurance covers claims arising after completing a job, like a lock installation or repair, should a customer allege your work led to property damage or was inadequate. --- ### Does locksmith liability insurance cover any advertising-related claims against me? - Published: 2023-08-17 - Modified: 2023-08-17 - URL: https://www.zensurance.com/blog/faq-items/does-locksmith-liability-insurance-cover-any-advertising-related-claims-against-me - FAQ Categories: Locksmith Insurance Yes. A locksmith insurance policy that includes professional liability insurance can cover you for claims related to your advertising, such as allegations of false advertising, defamation, or copyright infringement. --- ### Is basketball liability insurance mandatory for basketball organizations and teams? - Published: 2023-08-16 - Modified: 2023-08-16 - URL: https://www.zensurance.com/blog/faq-items/is-basketball-liability-insurance-mandatory-for-basketball-organizations-and-teams - FAQ Categories: Basketball Insurance Whether buying basketball insurance is a legal requirement depends on the jurisdiction, league, or facility where activities are taking place. Some organizations, tournament organizers, or venues may mandate basketball liability insurance for teams or events held on their premises. If not, obtaining liability insurance is highly recommended as it protects you, your organization, and team from potential financial losses that could arise from liability claims. --- ### Are coaches and volunteers covered under basketball liability insurance? - Published: 2023-08-16 - Modified: 2023-08-16 - URL: https://www.zensurance.com/blog/faq-items/are-coaches-and-volunteers-covered-under-basketball-liability-insurance - FAQ Categories: Basketball Insurance Yes. Basketball insurance covers coaches, volunteers, and other staff members working on behalf of an organization or team. However, speak to a Zensurance broker and ensure you understand the details of your policy, including the coverage limits and exclusions. --- ### How can basketball teams and associations reduce their liability risks and potentially lower insurance premiums? - Published: 2023-08-16 - Modified: 2023-08-16 - URL: https://www.zensurance.com/blog/faq-items/how-can-basketball-teams-and-associations-reduce-their-liability-risks-and-potentially-lower-insurance-premiums - FAQ Categories: Basketball Insurance Implementing risk management strategies can help reduce liability risks. For example, proactively maintaining facilities and equipment, providing proper coaching and supervision, enforcing safety protocols, and promoting sportsmanship can demonstrate --- ### Are there exclusions in musician liability insurance? - Published: 2023-08-08 - Modified: 2023-08-08 - URL: https://www.zensurance.com/blog/faq-items/are-there-exclusions-in-musician-liability-insurance - FAQ Categories: Musician Insurance Yes. Exclusions are common in all liability insurance policies. Common exclusions in a musician insurance policy may include intentional acts, contractual liabilities not expressly covered, and claims related to certain high-risk activities. Speak to a licensed Zensurance broker if you have questions about your policy’s coverages and exclusions. --- ### Are Canadian musicians who perform internationally covered by musician liability insurance? - Published: 2023-08-08 - Modified: 2023-08-08 - URL: https://www.zensurance.com/blog/faq-items/are-canadian-musicians-who-perform-internationally-covered-by-musician-liability-insurance - FAQ Categories: Musician Insurance Yes. Some insurance policies cover musicians who perform internationally. However, the extent of coverage may vary, so it's essential to check with a Zensurance broker about the geographical scope of your policy. --- ### As an independent musician, do I still need musician liability insurance if I perform in small venues or at local events? - Published: 2023-08-08 - Modified: 2023-08-08 - URL: https://www.zensurance.com/blog/faq-items/as-an-independent-musician-do-i-still-need-musician-liability-insurance-if-i-perform-in-small-venues-or-at-local-events - FAQ Categories: Musician Insurance Yes. Indie bands and musicians who perform in small venues or at local events can experience accidents and liability claims in any setting. Insurance provides protection and peace of mind, regardless of the scale of your performances. --- ### Does commercial general liability insurance cover my performances at different venues and locations? - Published: 2023-08-04 - Modified: 2023-08-04 - URL: https://www.zensurance.com/blog/faq-items/does-commercial-general-liability-insurance-cover-my-performances-at-different-venues-and-locations - FAQ Categories: Performer and Entertainer Insurance Yes. Commercial general liability insurance at various locations and venues for both single performances or multiple engagements. Your policy should specify the coverage territory based on your needs. Speak to a Zensurance broker if you have questions. --- ### Does commercial general liability insurance cover accidents or injuries to a performer or entertainer themselves? - Published: 2023-08-04 - Modified: 2023-08-04 - URL: https://www.zensurance.com/blog/faq-items/does-commercial-general-liability-insurance-cover-accidents-or-injuries-to-a-performer-or-entertainer-themselves - FAQ Categories: Performer and Entertainer Insurance No. General liability insurance is designed to cover the cost of bodily injuries or property damages to third parties, such as an audience member, venue owner, or event organizer. --- ### Why do performers and entertainers need professional liability insurance? - Published: 2023-08-04 - Modified: 2023-08-04 - URL: https://www.zensurance.com/blog/faq-items/why-do-performers-and-entertainers-need-professional-liability-insurance - FAQ Categories: Performer and Entertainer Insurance Professional liability insurance covers performers against claims alleging errors, mistakes, or negligence in their professional services. It covers claims related to performance failures, breach of contract, copyright infringement, or other professional errors. --- ### Is artisan and crafters liability insurance required by law? - Published: 2023-08-03 - Modified: 2023-08-03 - URL: https://www.zensurance.com/blog/faq-items/is-artisan-and-crafters-liability-insurance-required-by-law - FAQ Categories: Art and Craft Insurance The requirement for artisan and crafters liability insurance can vary depending on your location and the nature of your business. In some cases, certain venues, markets, or events may require a certificate of liability insurance to participate. Even if it's not legally mandated, having insurance is highly recommended to protect your profession and personal assets. --- ### Do I need artisan and crafters liability insurance to sell my products online? - Published: 2023-08-03 - Modified: 2023-08-03 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-artisan-and-crafters-liability-insurance-to-sell-my-products-online - FAQ Categories: Art and Craft Insurance Yes. While online platforms provide a convenient way to reach customers, you still face potential risks and liabilities, such as product defects, copyright infringement, or data breaches. Artisan and crafters liability insurance can help protect you from financial losses associated with these risks. --- ### Can artisan and crafters liability insurance cover claims arising from past work? - Published: 2023-08-03 - Modified: 2023-08-03 - URL: https://www.zensurance.com/blog/faq-items/can-artisan-and-crafters-liability-insurance-cover-claims-arising-from-past-work - FAQ Categories: Art and Craft Insurance Artisan and crafters liability insurance typically covers claims that arise during the policy period. However, some policies may offer limited coverage for claims resulting from past work, known as retroactive coverage. Speak to a Zensurance broker if you have questions about retroactive coverage. --- ### Is information technology liability insurance mandatory for IT companies? - Published: 2023-07-07 - Modified: 2023-07-07 - URL: https://www.zensurance.com/blog/faq-items/is-information-technology-liability-insurance-mandatory-for-it-companies - FAQ Categories: IT Insurance Information technology liability insurance requirements vary depending on your jurisdiction, industry regulations, and client contracts. While it may not be mandatory in all cases, having appropriate insurance coverage is highly recommended to protect against potential financial losses from liability claims. --- ### Does information technology liability insurance cover claims arising from work performed by subcontractors? - Published: 2023-07-07 - Modified: 2023-07-07 - URL: https://www.zensurance.com/blog/faq-items/does-information-technology-liability-insurance-cover-claims-arising-from-work-performed-by-subcontractors - FAQ Categories: IT Insurance Coverage for subcontractors can vary depending on your policy. Some policies may automatically extend coverage to subcontractors, or you can add them as additional insureds. Other policies may require your subcontractors to get coverage on their own. Talk to a licensed information technology insurance broker at Zensurance to understand coverage options for subcontractors. --- ### Does information technology insurance cover retroactive liability claims? - Published: 2023-07-07 - Modified: 2023-07-07 - URL: https://www.zensurance.com/blog/faq-items/does-information-technology-insurance-cover-retroactive-liability-claims - FAQ Categories: IT Insurance Retroactive liability claims are typically covered under an information technology insurance policy, as long as the retroactive date specified in the policy predates the incident or claim being made. The retroactive date is usually the start date of the policy. --- ### Does hockey liability insurance cover me if I coach hockey outside of Canada? - Published: 2023-06-29 - Modified: 2023-06-29 - URL: https://www.zensurance.com/blog/faq-items/does-hockey-liability-insurance-cover-me-if-i-coach-hockey-outside-of-canada - FAQ Categories: Hockey Insurance The coverage provided by hockey liability insurance can vary between policies and providers. Some policies may offer worldwide coverage, while others may have territorial limitations. It's essential to review the policy terms and conditions to understand the extent of coverage when coaching or playing hockey outside of Canada. If international coverage is not provided, additional coverage or a separate policy may be needed. Speak to a Zensurance broker if you have questions. --- ### Can I add additional insureds to my hockey liability insurance policy? - Published: 2023-06-29 - Modified: 2023-06-29 - URL: https://www.zensurance.com/blog/faq-items/can-i-add-additional-insureds-to-my-hockey-liability-insurance-policy - FAQ Categories: Hockey Insurance Yes. Many hockey liability insurance policies allow adding other parties, including facility owners, sponsors, volunteers, or other entities requiring coverage under your policy. Adding additional insured parties to your policy involves no cost and provides the additional insureds with protection under your policy in case of a covered claim or lawsuit. --- ### Can hockey liability insurance help protect me against lawsuits related to concussions or head injuries suffered by a player? - Published: 2023-06-29 - Modified: 2023-06-29 - URL: https://www.zensurance.com/blog/faq-items/can-hockey-liability-insurance-help-protect-me-against-lawsuits-related-to-concussions-or-head-injuries-suffered-by-a-player - FAQ Categories: Hockey Insurance Hockey liability insurance may provide coverage for lawsuits related to concussions or head injuries, subject to the terms and conditions of the policy. However, your insurance policy may have exclusions or limitations for pre-existing conditions, repetitive trauma, or certain injuries. It's advisable to carefully review the policy language and speak to a Zensurance broker to understand the extent of coverage for concussion-related claims. --- ### Does journalist insurance cover me for content published on social media? - Published: 2023-06-13 - Modified: 2023-06-13 - URL: https://www.zensurance.com/blog/faq-items/does-journalist-insurance-cover-me-for-content-published-on-social-media - FAQ Categories: Journalist Insurance A journalist insurance policy can generally cover content published on social media platforms, provided it falls within the scope of your professional activities. However, reviewing your policy details and discussing any specific concerns with a Zensurance broker is essential. --- ### Can journalist insurance help with legal costs if a reporter receives a cease and desist letter or lawsuit threat? - Published: 2023-06-13 - Modified: 2023-06-13 - URL: https://www.zensurance.com/blog/faq-items/can-journalist-insurance-help-with-legal-costs-if-a-reporter-receives-a-cease-and-desist-letter-or-lawsuit-threat - FAQ Categories: Journalist Insurance Yes. Journalist insurance can cover your legal costs if you receive a cease and desist letter or face a lawsuit threat related to your work. It can assist in covering expenses associated with responding to legal correspondence and seeking legal advice. --- ### Can insurance for journalists protect against claims of biased reporting or unfair treatment? - Published: 2023-06-13 - Modified: 2023-06-13 - URL: https://www.zensurance.com/blog/faq-items/can-insurance-for-journalists-protect-against-claims-of-biased-reporting-or-unfair-treatment - FAQ Categories: Journalist Insurance Journalist insurance typically does not cover claims related to biased reporting or subjective opinions. However, it can cover a claim alleging defamation, invasion of privacy, copyright infringement, emotional distress, or negligence resulting from your reporting, regardless of whether it was biased. --- ### Does my holistic health practitioner insurance cover me for online consultations or telehealth services? - Published: 2023-05-26 - Modified: 2023-05-26 - URL: https://www.zensurance.com/blog/faq-items/does-my-holistic-health-practitioner-insurance-cover-me-for-online-consultations-or-telehealth-services - FAQ Categories: Holistic Health Insurance It depends on your policy’s terms and details. Some insurance providers may include coverage for online consultations and telehealth services, while others may have limitations or exclusions. It's crucial to review the policy terms and discuss any potential coverage gaps with a Zensurance broker. --- ### Do I need insurance if I work as an independent contractor in someone else's holistic health practice? - Published: 2023-05-26 - Modified: 2023-05-26 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-insurance-if-i-work-as-an-independent-contractor-in-someone-elses-holistic-health-practice - FAQ Categories: Holistic Health Insurance Yes. It is highly recommended to have insurance coverage even if you work as an independent contractor. The practice's insurance may not extend coverage to independent contractors. Having a policy protects you from potential liability claims arising from your services. --- ### What is the difference between medical malpractice insurance and general liability insurance for holistic health practitioners? - Published: 2023-05-26 - Modified: 2023-05-26 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-medical-malpractice-insurance-and-general-liability-insurance-for-holistic-health-practitioners - FAQ Categories: Holistic Health Insurance Professional liability insurance, or medical malpractice insurance, covers claims related to professional negligence, errors, or omissions in healthcare services. General liability insurance covers claims for third-party bodily injury and property damage within the practice's premises unrelated to your professional services. --- ### Do I need caregiver insurance if I work for a home care agency? - Published: 2023-05-26 - Modified: 2023-05-26 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-caregiver-insurance-if-i-work-for-a-home-care-agency - FAQ Categories: Caregiver Insurance While some home care agencies may provide insurance for their employees, it's important to understand the specifics of the coverage. It's recommended to review the agency's insurance policy to ensure it adequately protects you and covers potential liabilities. Additionally, buying caregiver insurance can provide an extra layer of protection and peace of mind, especially if you work independently or as a freelance caregiver. --- ### Can caregiver insurance cover me if I provide care for family members or friends? - Published: 2023-05-26 - Modified: 2023-05-26 - URL: https://www.zensurance.com/blog/faq-items/can-caregiver-insurance-cover-me-if-i-provide-care-for-family-members-or-friends - FAQ Categories: Caregiver Insurance Caregiver insurance is typically designed for professional caregivers who provide care in a formal employment capacity. It may not extend coverage to caregiving services provided to family members or friends on an informal basis. --- ### Does caregiver insurance cover me if I work as a live-in caregiver? - Published: 2023-05-26 - Modified: 2023-05-26 - URL: https://www.zensurance.com/blog/faq-items/does-caregiver-insurance-cover-me-if-i-work-as-a-live-in-caregiver - FAQ Categories: Caregiver Insurance Yes, caregiver insurance covers live-in caregivers. It extends coverage to the caregiver during their entire work period, whether they provide care during specific hours or live with the care recipient. --- ### Can lifeguard and swim instructor insurance cover me for multiple locations or facilities? - Published: 2023-05-12 - Modified: 2023-05-12 - URL: https://www.zensurance.com/blog/faq-items/can-lifeguard-and-swim-instructor-insurance-cover-me-for-multiple-locations-or-facilities - FAQ Categories: Swim Instructor Insurance Yes. Many lifeguard and swim instructor insurance policies cover you for your work at multiple locations or facilities. However, it is crucial to review the policy terms and ensure that it includes coverage for all the places where you provide services. --- ### Will my insurance cover me for teaching activities outside of water, such as classroom sessions or dry-land training? - Published: 2023-05-12 - Modified: 2023-05-12 - URL: https://www.zensurance.com/blog/faq-items/will-my-insurance-cover-me-for-teaching-activities-outside-of-water-such-as-classroom-sessions-or-dry-land-training - FAQ Categories: Swim Instructor Insurance Lifeguard and swim instructor insurance policies typically focus on coverage for activities directly related to swimming and water-based instruction. However, some policies may offer limited coverage for dry-land activities or classroom sessions directly associated with swim instruction. --- ### Does my employer's insurance cover me as a lifeguard or swim instructor? - Published: 2023-05-12 - Modified: 2023-05-12 - URL: https://www.zensurance.com/blog/faq-items/does-my-employers-insurance-cover-me-as-a-lifeguard-or-swim-instructor - FAQ Categories: Swim Instructor Insurance While some employers may provide coverage for their employees, it's common for lifeguards and swim instructors to carry insurance policies to ensure they have sufficient protection. --- ### Does a notary E&O insurance policy from Zensurance cover me if I provide services in more than one province? - Published: 2023-05-05 - Modified: 2023-05-05 - URL: https://www.zensurance.com/blog/faq-items/does-a-notary-eo-insurance-policy-from-zensurance-cover-me-if-i-provide-services-in-more-than-one-province - FAQ Categories: Notary Insurance Yes. Your customized E&O insurance policy from Zensurance protects you for the services you provide across Canada and online. --- ### If a client alleges a notary made a mistake, can they be sued even if there was no error? - Published: 2023-05-05 - Modified: 2023-05-05 - URL: https://www.zensurance.com/blog/faq-items/if-a-client-alleges-a-notary-made-a-mistake-can-they-be-sued-even-if-there-was-no-error - FAQ Categories: Notary Insurance Yes. We live in a litigious society. If a notary is facing an allegation from a client, such as making a mistake, the client can bring a lawsuit against you seeking compensation. Defending yourself from lawsuits, even ones without merit or dismissed by a court can be costly. --- ### Can a public notary be held personally and financially liable for their notarial services? - Published: 2023-05-05 - Modified: 2023-05-05 - URL: https://www.zensurance.com/blog/faq-items/can-a-public-notary-be-held-personally-and-financially-liable-for-their-notarial-services - FAQ Categories: Notary Insurance Yes. A notary can be held liable for the cost of damage or loss a client endures resulting from the services they provide. --- ### Do I need cottage rental insurance if I only rent my property occasionally? - Published: 2023-05-05 - Modified: 2023-05-05 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-cottage-rental-insurance-if-i-only-rent-my-property-occasionally - FAQ Categories: Cottage Rental Insurance Yes. Even if you only rent your property occasionally, you need cottage rental insurance. Standard homeowner's insurance policies typically do not cover commercial activities such as renting out a property and may exclude coverage for damages or liability claims arising from rental activities. --- ### Does cottage rental insurance cover damage caused by a guest’s pet? - Published: 2023-05-05 - Modified: 2023-05-05 - URL: https://www.zensurance.com/blog/faq-items/does-cottage-rental-insurance-cover-damage-caused-by-a-guests-pet - FAQ Categories: Cottage Rental Insurance It depends. The coverage for damage caused by pets can vary depending on the policy and insurance provider. For example, some cottage rental insurance policies may exclude coverage for pet-related damages. In contrast, others may offer limited coverage or require an additional endorsement or rider to cover pet-related risks. --- ### Can I cancel my cottage rental insurance policy if I no longer rent my property? - Published: 2023-05-05 - Modified: 2023-05-05 - URL: https://www.zensurance.com/blog/faq-items/can-i-cancel-my-cottage-rental-insurance-policy-if-i-no-longer-rent-my-property - FAQ Categories: Cottage Rental Insurance Yes. You can cancel your cottage rental insurance policy if you no longer rent your property. However, if a claim arises after the policy has been cancelled, there will be no coverage for that loss. Additionally, some insurance providers may charge a cancellation fee or require a notice period before cancelling the policy. Speak to a Zensurance broker if you have questions. --- ### What type of incidents does product liability insurance for craft vendors cover? - Published: 2023-05-05 - Modified: 2023-05-05 - URL: https://www.zensurance.com/blog/faq-items/what-type-of-incidents-does-product-liability-insurance-for-craft-vendors-cover - FAQ Categories: Craft Show Insurance Product liability insurance covers incidents where a customer is harmed or injured by a craft vendor's product. That can include bodily injury, property damage, or financial loss caused by a product's defect, manufacturing error, or failure to warn of potential risks. --- ### Do I need commercial property insurance if I only participate in craft shows seasonally? - Published: 2023-05-05 - Modified: 2023-05-05 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-commercial-property-insurance-if-i-only-participate-in-craft-shows-seasonally - FAQ Categories: Craft Show Insurance Yes, it's wise to have commercial property insurance, even if you only participate in craft shows occasionally or seasonally. Your business assets, such as inventory and equipment, are still at risk of damage or loss; replacing these items can be significant. --- ### Do I need general liability insurance if I only sell low-risk products? - Published: 2023-05-05 - Modified: 2023-05-05 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-general-liability-insurance-if-i-only-sell-low-risk-products - FAQ Categories: Craft Show Insurance Yes, general liability insurance is essential even if you sell low-risk products. Accidents can happen anytime, and customers can still suffer injuries or property damage, even from seemingly harmless products. --- ### My butchery business is a sole proprietorship. Do I need insurance? - Published: 2023-04-27 - Modified: 2023-04-27 - URL: https://www.zensurance.com/blog/faq-items/my-butchery-business-is-a-sole-proprietorship-do-i-need-insurance - FAQ Categories: Butcher Shop Insurance Yes. Even if you have no employees and are a sole proprietor, you need business insurance. There are still several risks involved in running a butchery business. --- ### My butchery business is entirely online. Do I still need insurance? - Published: 2023-04-27 - Modified: 2023-04-27 - URL: https://www.zensurance.com/blog/faq-items/my-butchery-business-is-entirely-online-do-i-still-need-insurance - FAQ Categories: Butcher Shop Insurance Yes. Even if your business isn’t operated out of a traditional storefront, you still need insurance to protect your business in the transporting, preparing, and storing of meats. --- ### My business only sells and doesn’t prepare and process meat products. Do I still need butcher insurance? - Published: 2023-04-27 - Modified: 2023-04-27 - URL: https://www.zensurance.com/blog/faq-items/my-business-only-sells-and-doesnt-prepare-and-process-meat-products-do-i-still-need-butcher-insurance - FAQ Categories: Butcher Shop Insurance Yes. Even if you only store and sell meat products, you can still be held liable for the foods you sell to consumers. . --- ### What is the difference between occurrence-based and claims-made policies for HR consultant insurance? - Published: 2023-04-25 - Modified: 2023-04-25 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-occurrence-based-and-claims-made-policies-for-hr-consultant-insurance - FAQ Categories: HR Consultant Insurance Occurrence-based HR consultant insurance policies provide coverage for claims arising from incidents during the policy period, regardless of when the claim is filed. In contrast, claims-made policies cover claims reported during the policy period, irrespective of when the incident occurred. Occurrence-based policies are generally more expensive than claims-made policies but offer broader coverage and greater certainty of protection, even if a claim is made years after the policy has expired. --- ### Can I purchase HR consultant insurance online, or do I need to work with an insurance broker? - Published: 2023-04-25 - Modified: 2023-04-25 - URL: https://www.zensurance.com/blog/faq-items/can-i-purchase-hr-consultant-insurance-online-or-do-i-need-to-work-with-an-insurance-broker - FAQ Categories: HR Consultant Insurance The choice is yours. Zensurance makes it quick and easy to get a free quote for your HR consultant insurance needs from a wide range of insurance companies. You can build and purchase the policy you need online in just a few clicks. However, we also have a team of experienced, licensed business insurance brokers who can lend perspective and provide guidance advice after you apply for coverage. Our brokers will tailor your policy to adequately address your risks and ensure you’re neither underinsured nor overinsured. --- ### What should I look for from an insurance brokerage when buying HR consultant insurance - Published: 2023-04-25 - Modified: 2023-04-25 - URL: https://www.zensurance.com/blog/faq-items/what-should-i-look-for-from-an-insurance-brokerage-when-buying-hr-consultant-insurance - FAQ Categories: HR Consultant Insurance Consider factors such as the brokerage’s financial strength and stability, its claims handling reputation, its existing customers’ Google Reviews of its services, the ability to provide a broad range of options for your coverage needs, and the customization to your policy and advice the firm’s brokers offer. --- ### Does my vending machine business need insurance? - Published: 2023-04-24 - Modified: 2023-04-24 - URL: https://www.zensurance.com/blog/faq-items/does-my-vending-machine-business-need-insurance - FAQ Categories: Vending Machine Insurance Yes. No small business should operate without insurance, or the implications of one accident or lawsuit could be financially devastating. Vending machine owners and operators face a broad range of risks. Without insurance, you’re on your own to pay for unexpected damages, losses, and accidents. --- ### Will vending machine insurance cover me if my machines are vandalized and the products and money are stolen? - Published: 2023-04-24 - Modified: 2023-04-24 - URL: https://www.zensurance.com/blog/faq-items/will-vending-machine-insurance-cover-me-if-my-machines-are-vandalized-and-the-products-and-money-are-stolen - FAQ Categories: Vending Machine Insurance Yes. A vending machine insurance policy that includes commercial property coverage is designed to pay for theft of or from your vending machines and vandalism-related damages to them. --- ### How do I reduce my vending machine business’s risks? - Published: 2023-04-24 - Modified: 2023-04-24 - URL: https://www.zensurance.com/blog/faq-items/how-do-i-reduce-my-vending-machine-businesss-risks - FAQ Categories: Vending Machine Insurance Other than purchasing a customized vending machine insurance policy from Zensurance to protect your assets and reputation, install surveillance cameras and cylinders locks and deadbolts on your machines, purchase machines with explosion-proof double layer glass, place machines in locations with high visibility, collect money from the machines frequently, and ensure your machines are anchored to the ground. --- ### Why does an outdoor guide or outfitter need liability insurance? - Published: 2023-04-19 - Modified: 2023-04-19 - URL: https://www.zensurance.com/blog/faq-items/why-does-an-outdoor-guide-or-outfitter-need-liability-insurance - FAQ Categories: Guides and Outfitters Insurance Think of all the things that could possibly go wrong while out in the wilderness with your customers. Whether someone suffers an injury or experiences a medical emergency, if you are sued, the cost to defend yourself can run into thousands of dollars, even if the lawsuit has no merit. --- ### Does Zensurance provide outdoor guides and outfitters with liability protection across Canada? - Published: 2023-04-19 - Modified: 2023-04-19 - URL: https://www.zensurance.com/blog/faq-items/does-zensurance-provide-outdoor-guides-and-outfitters-with-liability-protection-across-canada - FAQ Categories: Guides and Outfitters Insurance We can help professional outdoor guides and outfitters get the protection they need in all Canadian provinces except Quebec. We do not provide coverage for small businesses or independent professionals in the northern territories at this time. --- ### How will I receive an outdoor guide and outfitters insurance policy after purchasing it from Zensurance? - Published: 2023-04-19 - Modified: 2023-04-19 - URL: https://www.zensurance.com/blog/faq-items/how-will-i-receive-an-outdoor-guide-and-outfitters-insurance-policy-after-purchasing-it-from-zensurance - FAQ Categories: Guides and Outfitters Insurance Upon paying the premium for your policy, you will receive an email from us with a copy of your policy and a certificate of insurance to show your customers or business partners that verifies your coverage and its limits. --- ### Do I need to ask my guests to buy a renters’ or tenants’ insurance policy while staying at my VRBO rental property? - Published: 2023-04-19 - Modified: 2023-04-19 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-to-ask-my-guests-to-buy-a-renters-or-tenants-insurance-policy-while-staying-at-my-vrbo-rental-property - FAQ Categories: VRBO Insurance Not necessarily. It's your call if you ask guests to carry a personal renters' or tenants' insurance policy to cover the belongings they bring with them and provide them with a limited amount of liability protection during their stay at your VRBO rental. Talk to a Zensurance broker if you have questions about the coverages you need and the pros and cons of requiring your guests to have valid renters' insurance. --- ### Do VRBO hosts need landlord insurance? - Published: 2023-04-19 - Modified: 2023-04-19 - URL: https://www.zensurance.com/blog/faq-items/do-vrbo-hosts-need-landlord-insurance - FAQ Categories: VRBO Insurance No. Landlord insurance is designed for property owners who rent or lease a home, condo, or apartment to a tenant long-term. For short-term rentals through VRBO, Airbnb, HomeAway or another home-sharing or vacation rental platform, you need the coverage offered by a customized VRBO insurance policy from Zensurance to complement your VRBO or home insurance or to protect your VRBO rental property completely. --- ### How does Zensurance help if I file a claim for damage or loss? - Published: 2023-04-19 - Modified: 2023-04-19 - URL: https://www.zensurance.com/blog/faq-items/how-does-zensurance-help-if-i-file-a-claim-for-damage-or-loss - FAQ Categories: VRBO Insurance Zensurance has a dedicated team available 24/7 to help you file a claim with your insurance provider and ensure your claim is handled quickly. Although we do not determine the outcome of your claim – your insurance provider decides to offer a settlement or not – if your claim is rejected, we serve as your advocate by contacting the insurance company to ask them to revisit their decision and investigate the matter anew. --- ### Should I get bed and breakfast insurance if I operate it out of my house? - Published: 2023-04-19 - Modified: 2023-04-19 - URL: https://www.zensurance.com/blog/faq-items/should-i-get-bed-and-breakfast-insurance-if-i-operate-it-out-of-my-house - FAQ Categories: Bed and Breakfast Insurance Yes. Even if you only rent one bedroom out to a guest every once in a while, you should protect yourself and your property with B&B insurance. --- ### My bed and breakfast business is seasonal. Do I need insurance if my business is only open for a couple of months? - Published: 2023-04-19 - Modified: 2023-04-19 - URL: https://www.zensurance.com/blog/faq-items/my-bed-and-breakfast-business-is-seasonal-do-i-need-insurance-if-my-business-is-only-open-for-a-couple-of-months - FAQ Categories: Bed and Breakfast Insurance Yes. No matter how much time in the calendar year you operate a B&B business, you need insurance to protect your business and assets. --- ### I run an Airbnb out of a property I own. Do I need an insurance policy? - Published: 2023-04-19 - Modified: 2023-04-19 - URL: https://www.zensurance.com/blog/faq-items/i-run-an-airbnb-out-of-a-property-i-own-do-i-need-an-insurance-policy - FAQ Categories: Bed and Breakfast Insurance Yes. Even if you use an online service like Airbnb, you should have a comprehensive coverage plan to protect yourself, your business, and your assets. While AirCover covers third-party bodily injury and property damage, it does not include professional liability insurance, cyber liability insurance, or commercial property insurance. --- ### I’m considering buying a bed and breakfast. When do I need insurance? - Published: 2023-04-19 - Modified: 2023-04-19 - URL: https://www.zensurance.com/blog/faq-items/im-considering-buying-a-bed-and-breakfast-when-do-i-need-insurance - FAQ Categories: Bed and Breakfast Insurance As soon as possible. Protecting your property and information is important, even before your first guest has made a booking. --- ### Is an independent marketing consultant required to purchase a business insurance policy? - Published: 2023-04-18 - Modified: 2023-04-18 - URL: https://www.zensurance.com/blog/faq-items/is-an-independent-marketing-consultant-required-to-purchase-a-business-insurance-policy - FAQ Categories: Marketing Consultant Insurance Although it’s not a legal requirement to carry insurance, it is strongly recommended for a couple of reasons. First, your prospective clients may insist you have a policy, or they won’t hire you, and second, if you are sued or alleged to be responsible for damages, you’ll have to pay out of pocket if you don’t have a policy. --- ### A client I’m working for has an insurance policy. Do I need to purchase insurance for myself? - Published: 2023-04-18 - Modified: 2023-04-18 - URL: https://www.zensurance.com/blog/faq-items/a-client-im-working-for-has-an-insurance-policy-do-i-need-to-purchase-insurance-for-myself - FAQ Categories: Marketing Consultant Insurance Yes. Your client or agency's insurance may not cover any liabilities you face, or their coverage may not protect you fully. Even an in-house consultant can be liable for damages if named in a claim or lawsuit. --- ### If a client sues me because the marketing plan I designed and implemented for them fails to achieve the desired results, will insurance cover me? - Published: 2023-04-18 - Modified: 2023-04-18 - URL: https://www.zensurance.com/blog/faq-items/if-a-client-sues-me-because-the-marketing-plan-i-designed-and-implemented-for-them-fails-to-achieve-the-desired-results-will-insurance-cover-me - FAQ Categories: Marketing Consultant Insurance Yes. A marketing consultant insurance policy includes professional liability coverage. It is designed to shield you from claims or lawsuits related to the advice you give and all of your professional services. --- ### What are the different types of cargo insurance? - Published: 2023-04-10 - Modified: 2023-04-10 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-different-types-of-cargo-insurance - FAQ Categories: Cargo Insurance There are three main kinds of cargo insurance: open cargo insurance, specific or single cargo insurance, and contingent cargo insurance. Open cargo insurance covers your shipments for a specific time period and allows for multiple shipments during that time. Specific or single cargo insurance is ideal for businesses that ship infrequently, as it covers you on a per shipment basis. Contingent cargo insurance is broad and is usually purchased by freight brokers – individuals or organizations that are transportation intermediaries. --- ### Do I still need cargo insurance if the courier or shipping company offers it? - Published: 2023-04-10 - Modified: 2023-04-10 - URL: https://www.zensurance.com/blog/faq-items/do-i-still-need-cargo-insurance-if-the-courier-or-shipping-company-offers-it - FAQ Categories: Cargo Insurance Yes. It is advisable to have a cargo insurance policy even if the courier or freight service you use offers coverage for your shipments. The amount of coverage the shipping company offers may not be sufficient to cover any losses or damages you suffer. --- ### What does ‘general average’ mean when shipping products? - Published: 2023-04-10 - Modified: 2023-04-10 - URL: https://www.zensurance.com/blog/faq-items/what-does-general-average-mean-when-shipping-products - FAQ Categories: Cargo Insurance The general average is an internationally recognized maritime law that states all parties share the costs of damage or loss to shipments made by sea if the ship carrying your cargo must voluntarily sacrifice the cargo or a portion of the vessel because of an emergency. For instance, if your freight is on a ship that is sinking at sea and the crew intentionally jettison its cargo to save the ship, the cost of the lost goods is shared equally by the cargo owners, the transportation company, and the owners of the ship. --- ### My conveyorized tunnel car wash uses a lot of different chemicals and detergents to get customers’ vehicles clean. Will my policy cover me for the types of chemicals I need to use? - Published: 2023-04-10 - Modified: 2023-05-30 - URL: https://www.zensurance.com/blog/faq-items/my-conveyorized-tunnel-car-wash-uses-a-lot-of-different-chemicals-and-detergents-to-get-customers-vehicles-clean-will-my-policy-cover-me-for-the-types-of-chemicals-i-need-to-use - FAQ Categories: Car Wash Insurance If the exterior of a customer’s vehicle is damaged by the detergents or chemicals your car wash uses, your commercial general liability coverage is designed to pay for those damages. However, you may need to add pollution liability insurance to your policy to protect yourself from the risk of sudden or gradual environmental damage. --- ### In the wintertime, the combination of frigid temperatures, water, and electricity can wreak havoc on car washing equipment. Will my policy cover me if my equipment ceases to work and needs repair because of frozen components? - Published: 2023-04-10 - Modified: 2023-04-10 - URL: https://www.zensurance.com/blog/faq-items/in-the-wintertime-the-combination-of-frigid-temperatures-water-and-electricity-can-wreak-havoc-on-car-washing-equipment-will-my-policy-cover-me-if-my-equipment-ceases-to-work-and-needs-repair-beca - FAQ Categories: Car Wash Insurance If you have equipment breakdown insurance as part of your policy, and your car wash equipment malfunctions because of mechanical or electrical damage or failure, your policy will cover the cost of damages. --- ### I have a lot of employee turnover at my car wash. Will my car wash insurance policy cover me for internal theft of money or inventory? - Published: 2023-04-10 - Modified: 2023-04-10 - URL: https://www.zensurance.com/blog/faq-items/i-have-a-lot-of-employee-turnover-at-my-car-wash-will-my-car-wash-insurance-policy-cover-me-for-internal-theft-of-money-or-inventory - FAQ Categories: Car Wash Insurance You need to include commercial crime insurance to your policy to be covered for internal theft, forgery, fraud, and employee dishonesty. Speak to a licensed Zensurance broker if you have concerns about internal theft. --- ### Does my pet sitter insurance policy cover me for any injuries sustained by the pet? - Published: 2023-03-24 - Modified: 2023-03-28 - URL: https://www.zensurance.com/blog/faq-items/does-my-pet-sitter-insurance-policy-cover-me-for-any-injuries-sustained-by-the-pet - FAQ Categories: Pet Sitter Insurance Yes, with many commercial liability insurance policies, you can be covered for damage to a third party, including the animal you’re looking after. As always, though, it’s best to check with a broker if you’re unsure of any specific coverages in your policies. --- ### Do I still need pet sitting insurance if it’s only my side hustle? - Published: 2023-03-24 - Modified: 2023-03-28 - URL: https://www.zensurance.com/blog/faq-items/do-i-still-need-pet-sitting-insurance-if-its-only-my-side-hustle - FAQ Categories: Pet Sitter Insurance Yes, accidents can happen to any sized business. Animals are highly unpredictable, and you can be liable for a situation regardless of whether you have a fully-fledged pet sitting business or if it’s just a way to make a bit of extra cash. --- ### Can my home insurance cover the pets that are in my care? - Published: 2023-03-24 - Modified: 2023-03-28 - URL: https://www.zensurance.com/blog/faq-items/can-my-home-insurance-cover-the-pets-that-are-in-my-care - FAQ Categories: Pet Sitter Insurance No. Your home insurance won’t cover any business-related activities, including animals left in your care as part of a paid service. --- ### Most of the clients I work for have business insurance. Do I still need a virtual assistant insurance policy? - Published: 2023-03-24 - Modified: 2023-03-24 - URL: https://www.zensurance.com/blog/faq-items/most-of-the-clients-i-work-for-have-business-insurance-do-i-still-need-a-virtual-assistant-insurance-policy - FAQ Categories: Virtual Assistant Insurance Yes. Your clients' insurance policies may not include protection for you and your services, and if it does, there may be gaps in that coverage that expose you to the risk of an expensive lawsuit. Therefore, you need to protect your finances and career with a virtual assistant insurance policy tailored to cover you if something goes awry. --- ### If a client alleges I made a mistake that caused them to lose money, hurt their reputation, and threaten to sue, will virtual assistant insurance help protect me? - Published: 2023-03-24 - Modified: 2023-03-24 - URL: https://www.zensurance.com/blog/faq-items/if-a-client-alleges-i-made-a-mistake-that-caused-them-to-lose-money-hurt-their-reputation-and-threaten-to-sue-will-virtual-assistant-insurance-help-protect-me - FAQ Categories: Virtual Assistant Insurance Yes. Your policy's errors and omissions (E&O) insurance portion is designed to cover you for mistakes, negligence, and failure to provide a service as advertised. It also includes financial support for your legal expenses if you are sued and require legal advice or representation in court. --- ### Will virtual assistant insurance cover my costs if my laptop containing access to a client's sensitive information is stolen from my home? - Published: 2023-03-24 - Modified: 2023-03-24 - URL: https://www.zensurance.com/blog/faq-items/will-virtual-assistant-insurance-cover-my-costs-if-my-laptop-containing-access-to-a-clients-sensitive-information-is-stolen-from-my-home - FAQ Categories: Virtual Assistant Insurance Provided you have commercial property coverage as part of your policy, your insurance provider may pay to replace your stolen laptop. If your policy also includes cyber liability insurance, any expenses associated with exposing your client's data may also be covered. --- ### Do my tenants need renters’ insurance? - Published: 2023-03-23 - Modified: 2023-03-23 - URL: https://www.zensurance.com/blog/faq-items/do-my-tenants-need-renters-insurance - FAQ Categories: Landlord Insurance Although it’s not a legal requirement for your tenants to have renters’ or tenants’ insurance, it’s recommended you encourage your tenants to purchase their own insurance policies to cover damage to or loss of their belongings. Renters’ insurance will also provide your tenants with liability coverage if they accidentally damage your property. A landlord insurance policy will not cover any losses of or damages to your tenants’ possessions, such as their furniture and clothing. --- ### What’s the difference between home insurance and landlord insurance? - Published: 2023-03-23 - Modified: 2023-03-23 - URL: https://www.zensurance.com/blog/faq-items/whats-the-difference-between-home-insurance-and-landlord-insurance - FAQ Categories: Landlord Insurance A home insurance policy is designed to protect a private homeowner’s primary residence and personal possessions, and it provides liability coverage for you and your family. If you’re renting a room or the basement in your home where you live, your private home insurance may offer some level of coverage for that space. However, private home insurance does not cover any properties you rent or lease. Landlord insurance covers the cost of damage or loss at rental properties. It includes coverage for the dwelling, its attached structures, the contents at those properties you own, your liability from owning the property, and loss of rental income following an insured event, such as fire and smoke damage. --- ### Should concrete contractors have business interruption insurance? - Published: 2023-03-02 - Modified: 2023-03-02 - URL: https://www.zensurance.com/blog/faq-items/should-concrete-contractors-have-business-interruption-insurance - FAQ Categories: Concrete Business Insurance Yes. Our insurance providers' commercial property insurance policies often include business interruption coverage to pay for your net income loss following an insured event. If your provider does not automatically have business interruption in your commercial property policy, you can add it as a rider. --- ### Am I legally obligated to carry a concrete contractor insurance policy? - Published: 2023-03-02 - Modified: 2023-03-02 - URL: https://www.zensurance.com/blog/faq-items/am-i-legally-obligated-to-carry-a-concrete-contractor-insurance-policy - FAQ Categories: Concrete Business Insurance In most provinces and municipalities, you must have at least general liability insurance. Check with the authorities in your region to be sure. Nevertheless, you may not land very many projects if you do not have an insurance policy. Moreover, if an accident happens, someone is injured, and they sue you, how will you pay for your legal defence and any settlement? Or, if your equipment is stolen or damaged, do you have the funds to cover those losses? Cement and concrete contractors are always at risk of being sued or suffering losses due to the nature of their work. Protect your finances and future by purchasing insurance. --- ### Should I consider adding other types of insurance to my concrete contractor policy? - Published: 2023-03-02 - Modified: 2023-03-02 - URL: https://www.zensurance.com/blog/faq-items/should-i-consider-adding-other-types-of-insurance-to-my-concrete-contractor-policy - FAQ Categories: Concrete Business Insurance What your coverage needs are depends on a variety of factors, including what type of work you do and the equipment you have. For example, you may add equipment breakdown insurance to your overall policy to cover the cost of mechanical or electrical malfunctions to your equipment. Speak to a licensed Zensurance broker about your specific coverage requirements. --- ### What is commercial auto insurance? - Published: 2023-02-21 - Modified: 2023-02-21 - URL: https://www.zensurance.com/blog/faq-items/what-is-commercial-auto-insurance - FAQ Categories: Commercial Auto Insurance Also called business car or auto insurance, commercial auto insurance covers the cost of your company’s vehicle or any vehicle used for business purposes from damage and loss, including cars, pickup trucks, vans, and trailers. It also includes coverage for driver injuries. --- ### What does a commercial auto policy cover? - Published: 2023-02-21 - Modified: 2023-02-21 - URL: https://www.zensurance.com/blog/faq-items/what-does-a-commercial-auto-policy-cover - FAQ Categories: Commercial Auto Insurance A standard or basic commercial auto insurance policy consists of four mandatory coverages. They are:  Third-Party Liability Third-party liability coverage covers you if you injure another driver or damage their property with your vehicle. The minimum mandatory coverage limit is $200,000 for any one accident, but choosing a higher coverage amount is recommended.   Direct Compensation-Property Damage Protection for damages to and loss of use of your vehicle and its contents if another motorist is at fault for an accident or collision that you collect directly from your insurance provider.   Accident Benefits Accident benefits cover you and your passengers’ medical and rehabilitation bills if injured in an accident. It also includes funeral expenses, loss of income benefits, and death benefits if you or your driver are killed in an accident.   Uninsured Auto If you’re injured and your vehicle is damaged by an uninsured motorist or because of a hit-and-run accident, this coverage pays for damages to your vehicle and covers the cost of your physical injuries.   Optional coverages:   Collision or upset Collision coverage pays for damages to your vehicle when you are at fault for an accident with another vehicle or if you hit a stationary object.   Comprehensive Covers the cost of a broad range of damage and loss to your vehicle, including theft, vandalism, fire, hail and severe weather, and flying or falling objects.   All perils All perils insurance is a combination of collision and comprehensive coverages.   Employers’ Hired and Non-Owned Auto... --- ### How much does commercial auto insurance cost? - Published: 2023-02-21 - Modified: 2023-02-21 - URL: https://www.zensurance.com/blog/faq-items/how-much-does-commercial-auto-insurance-cost - FAQ Categories: Commercial Auto Insurance What your commercial auto policy costs depends on a variety of factors insurance providers consider, including: The make, model, and year of the vehicle you drive The location of your business Your driving record and years of experience as a motorist The number of kilometres the vehicle travels annually  Where the vehicle is regularly parked or stored What the vehicle is used for (transporting goods, people, or both) Your business’s auto insurance claims history What your policy’s coverages are, their limits, and the deductibles --- ### What's the difference between commercial auto and fleet insurance? - Published: 2023-02-21 - Modified: 2023-02-21 - URL: https://www.zensurance.com/blog/faq-items/whats-the-difference-between-commercial-auto-and-fleet-insurance - FAQ Categories: Commercial Auto Insurance Commercial auto insurance is designed to protect one vehicle. A commercial fleet insurance policy covers five or more vehicles. Both types of coverage apply to vehicles owned by businesses or self-employed contractors. --- ### If my business requires travel outside of Barrie, will my insurance cover it? - Published: 2022-12-09 - Modified: 2022-12-09 - URL: https://www.zensurance.com/blog/faq-items/if-my-business-requires-travel-outside-of-barrie-will-my-insurance-cover-it - FAQ Categories: Barrie Business Insurance Yes. Your business insurance policy from Zensurance protects you online and offline whether you’re working in Barrie or if you travel to another city or province. --- ### Do you have a local office in Barrie? - Published: 2022-12-09 - Modified: 2022-12-09 - URL: https://www.zensurance.com/blog/faq-items/do-you-have-a-local-office-in-barrie - FAQ Categories: Barrie Business Insurance Zensurance is a fully digital small business insurance brokerage, everything from quote to purchase is done online. However, you can speak to a licensed broker or live chat with one of our insurance experts whenever you need assistance with your policy or have general questions about insurance. --- ### How much coverage do I need for my business in Barrie? - Published: 2022-12-09 - Modified: 2022-12-09 - URL: https://www.zensurance.com/blog/faq-items/how-much-coverage-do-i-need-for-my-business-in-barrie - FAQ Categories: Barrie Business Insurance The insurance policy you purchase contains various coverage limits based on your business's or profession's specific needs and risk profile. For example, some industries, like construction, face more significant risks than others. Talk to one of our brokers and get their advice on what level of coverage your policy requires. --- ### My warehouse property has a railroad sidetrack. Does a warehouse insurance policy cover it? - Published: 2022-12-02 - Modified: 2022-12-02 - URL: https://www.zensurance.com/blog/faq-items/my-warehouse-property-has-a-railroad-sidetrack-does-a-warehouse-insurance-policy-cover-it - FAQ Categories: Warehouse Insurance You may need to add additional coverage known as railroad protective liability insurance. Speak to a Zensurance licensed broker for more information. --- ### What coverage limits should my warehouse insurance policy have? - Published: 2022-12-02 - Modified: 2022-12-02 - URL: https://www.zensurance.com/blog/faq-items/what-coverage-limits-should-my-warehouse-insurance-policy-have - FAQ Categories: Warehouse Insurance Different insurance coverages may provide various amounts of coverage limits. Most warehouse businesses will purchase a general liability policy with a $5 million coverage limit, but you have the option to choose a lower or higher amount. Speak to one of our insurance experts to determine what the right amount of coverage is for your policy. --- ### What additional coverages are available to enhance a warehouse insurance policy? - Published: 2022-12-02 - Modified: 2022-12-02 - URL: https://www.zensurance.com/blog/faq-items/what-additional-coverages-are-available-to-enhance-a-warehouse-insurance-policy - FAQ Categories: Warehouse Insurance Depending on your business, you may want to include warehouse operators’ legal liability insurance to protect against loss or damage due to maintenance issues or negligence by employees. Also, adding commercial fleet insurance to your policy is necessary if your organization owns up to five vehicles. --- ### If I have student interns or apprentices working for my business, will employers’ liability insurance provide coverage for them? - Published: 2022-12-01 - Modified: 2022-12-01 - URL: https://www.zensurance.com/blog/faq-items/if-i-have-student-interns-or-apprentices-working-for-my-business-will-employers-liability-insurance-provide-coverage-for-them - FAQ Categories: Employer Liability Insurance Yes. An employers’ liability insurance policy extends protection to temporary and part-time employees, student interns, apprentices, and volunteers in addition to covering your full-time employees. --- ### How frequent are work-related injuries in Canada? - Published: 2022-12-01 - Modified: 2022-12-01 - URL: https://www.zensurance.com/blog/faq-items/how-frequent-are-work-related-injuries-in-canada - FAQ Categories: Employer Liability Insurance According to data from the Association of Workers’ Compensation Boards of Canada, there were 924 employee deaths because of work-related causes in 2020. In terms of occupational disease-related fatalities, and among provinces with over 100,000 workers, Newfoundland and Labrador (nine deaths), Ontario (4. 4 deaths), and Alberta (4. 3 deaths) have the highest five-year averages. Furthermore, occupational disease fatality rates increased in nine of 12 Canadian jurisdictions in 2020 versus the average fatality rate between 2017-2019. Ontario (18%), British Columbia (17%), and Alberta (11%) saw the largest increases. --- ### What other kinds of business insurance do I need? - Published: 2022-12-01 - Modified: 2022-12-01 - URL: https://www.zensurance.com/blog/faq-items/what-other-kinds-of-business-insurance-do-i-need - FAQ Categories: Employer Liability Insurance The insurance coverage your business needs depends on the industry you’re in and the type of goods and services you provide. Typically, most small businesses need commercial general liability (CGL) insurance, commercial property insurance, and cyber liability insurance. Speak to a licensed Zensurance broker about the coverages your policy needs to include. --- ### I own a dog kennel. One of my customers’ dogs fell ill and died while in my care. Will my policy cover me if the dog owner sues me? - Published: 2022-11-29 - Modified: 2022-12-01 - URL: https://www.zensurance.com/blog/faq-items/i-own-a-dog-kennel-one-of-my-customers-dogs-fell-ill-and-died-while-in-my-care-will-my-policy-cover-me-if-the-dog-owner-sues-me - FAQ Categories: Pet Business Insurance Yes. Your pet services insurance policy’s professional liability coverage is designed to cover your legal fees and compensation awarded to the plaintiff if you are sued for negligence, wrongdoing, or failing to deliver a service as promised. --- ### Does a pet services insurance policy cover me if an organic cat food I sell to a customer causes their feline to become sick? - Published: 2022-11-29 - Modified: 2022-12-01 - URL: https://www.zensurance.com/blog/faq-items/does-a-pet-services-insurance-policy-cover-me-if-an-organic-cat-food-i-sell-to-a-customer-causes-their-feline-to-become-sick - FAQ Categories: Pet Business Insurance If you have product liability insurance as part of your overall policy, you are covered for any product you manufacture, distribute, or sell, including food for animals. Check with your Zensurance broker to make sure this coverage is included in your policy. --- ### If a dog I am training for a client unexpectedly bites someone, will my policy cover me if I’m sued? - Published: 2022-11-29 - Modified: 2022-12-01 - URL: https://www.zensurance.com/blog/faq-items/if-a-dog-i-am-training-for-a-client-unexpectedly-bites-someone-will-my-policy-cover-me-if-im-sued - FAQ Categories: Pet Business Insurance Yes. Your pet services insurance policy includes general liability coverage, which pays for third-party personal injuries resulting from your negligence or regular business activities. In addition to providing you with support for your legal fees, it is also designed to cover the cost of the injured person’s medical expenses. --- ### Grey water that sprayed out from a faucet I was replacing at a residential property damaged my customer’s floor. Will my policy cover me? - Published: 2022-11-29 - Modified: 2022-12-01 - URL: https://www.zensurance.com/blog/faq-items/grey-water-that-sprayed-out-from-a-faucet-i-was-replacing-at-a-residential-property-damaged-my-customers-floor-will-my-policy-cover-me - FAQ Categories: Plumber Insurance Yes. Your plumber insurance policy includes general liability insurance, which covers costs associated with third-party property damage resulting from your work. --- ### What coverage limit does a plumbing insurance policy provide? - Published: 2022-11-29 - Modified: 2022-12-01 - URL: https://www.zensurance.com/blog/faq-items/what-coverage-limit-does-a-plumbing-insurance-policy-provide - FAQ Categories: Plumber Insurance You can choose the coverage limits and deductibles for your plumbing insurance policy. Many plumbers choose a general liability coverage limit of $1 million, but you can increase it to $2 million or higher. Speak to a Zensurance broker to determine what coverage limit suits you best. --- ### Will insurance apply to those who facilitate group support meetings, drug rehab services, or other community based programs? - Published: 2022-11-11 - Modified: 2022-11-11 - URL: https://www.zensurance.com/blog/faq-items/will-insurance-apply-to-those-who-facilitate-group-support-meetings-drug-rehab-services-or-other-community-based-programs - FAQ Categories: Mental Health Professional Insurance Yes. Liability insurance can protect any person who facilitates the healing of anyone who is trying to elevate their mental health and wellness. --- ### Does mental health counsellor insurance apply to professionals who use alternative or holistic treatment plans? - Published: 2022-11-11 - Modified: 2022-11-11 - URL: https://www.zensurance.com/blog/faq-items/does-mental-health-counsellor-insurance-apply-to-professionals-who-use-alternative-or-holistic-treatment-plans - FAQ Categories: Mental Health Professional Insurance Yes. As long as you are someone who assists with the mental wellbeing of others, this insurance policy is an important part of protecting you and your business. --- ### Does mental health liability insurance cover practices that operate solely online? - Published: 2022-11-11 - Modified: 2022-11-11 - URL: https://www.zensurance.com/blog/faq-items/does-mental-health-liability-insurance-cover-practices-that-operate-solely-online - FAQ Categories: Mental Health Professional Insurance Yes. Your insurance coverage will protect you even if your business is completely online. --- ### Do I need additional coverage if I provide delivery services? - Published: 2022-11-11 - Modified: 2022-11-11 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-additional-coverage-if-i-provide-delivery-services - FAQ Categories: Convenience Store Insurance Yes, if you’re using a vehicle for business, you’ll need a commercial auto insurance policy. This coverage can protect you against third-party liability costs and the costs of physical damage to your vehicle. --- ### Do I need insurance if I’m a part of a franchise? - Published: 2022-11-11 - Modified: 2022-11-11 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-insurance-if-im-a-part-of-a-franchise - FAQ Categories: Convenience Store Insurance Generally speaking, yes. Franchises often require a franchisee to get an insurance policy that protects them at the store level. Check with your franchise to learn about the required insurance and minimum limits. --- ### If I own multiple convenience stores across Canada, will my policy cover all locations? - Published: 2022-11-11 - Modified: 2022-11-11 - URL: https://www.zensurance.com/blog/faq-items/if-i-own-multiple-convenience-stores-across-canada-will-my-policy-cover-all-locations - FAQ Categories: Convenience Store Insurance Yes, you can be covered for all locations that are a part of your business. Ensure you’re covered adequately by disclosing the full variety of your offerings (e. g. say you sell fireworks at a single location – you may need to provide that information in your quote). --- ### How can I keep a media liability insurance policy premium as low as possible? - Published: 2022-11-11 - Modified: 2022-11-11 - URL: https://www.zensurance.com/blog/faq-items/how-can-i-keep-a-media-liability-insurance-policy-premium-as-low-as-possible - FAQ Categories: Media Liability Insurance By implementing risk management best practices across your organization. For example, if your company uses social media to promote your services, establish a social media policy and incorporate it into your employee training. You can help mitigate your media liability risks by setting guidelines for acceptable behaviour. --- ### Do I need professional liability and commercial general liability insurance to protect my business from allegations or legal challenges related to the content we distribute? - Published: 2022-11-11 - Modified: 2022-11-11 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-professional-liability-and-commercial-general-liability-insurance-to-protect-my-business-from-allegations-or-legal-challenges-related-to-the-content-we-distribute - FAQ Categories: Media Liability Insurance It is recommended to have both professional liability and commercial general liability insurance as part of your policy to ensure you have no gaps in your coverage. --- ### Does a media liability insurance policy cover my business for all available and future digital communications avenues? - Published: 2022-11-11 - Modified: 2022-11-11 - URL: https://www.zensurance.com/blog/faq-items/does-a-media-liability-insurance-policy-cover-my-business-for-all-available-and-future-digital-communications-avenues - FAQ Categories: Media Liability Insurance Yes. A media liability insurance policy acquired through Zensurance covers your marketing, advertising, and other public communications online and offline, regardless of the type of content it is or where it is published. --- ### Does business interruption insurance include coverage for decontaminating my facility’s food processing machinery if impacted by smoke damage following a fire? - Published: 2022-11-11 - Modified: 2022-11-11 - URL: https://www.zensurance.com/blog/faq-items/does-business-interruption-insurance-include-coverage-for-decontaminating-my-facilitys-food-processing-machinery-if-impacted-by-smoke-damage-following-a-fire - FAQ Categories: Food Manufacturing Insurance Yes. Following an insurable loss such as a fire, if your facility is forced to close for repairs and cleanup, business interruption coverage is designed to pay your overhead costs, including costs related to decontaminating your equipment and machinery. --- ### Does a food and beverage manufacturing insurance policy include coverage for the products I ship to my clients? - Published: 2022-11-11 - Modified: 2023-04-10 - URL: https://www.zensurance.com/blog/faq-items/does-a-food-and-beverage-manufacturing-insurance-policy-include-coverage-for-the-products-i-ship-to-my-clients - FAQ Categories: Food Manufacturing Insurance Depending on your specific needs, you may need to include cargo insurance (also called transit insurance or inland marine insurance) for products you ship by truck or train over land. --- ### What are the primary risks food and beverage manufacturers face? - Published: 2022-11-11 - Modified: 2022-11-11 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-primary-risks-food-and-beverage-manufacturers-face - FAQ Categories: Food Manufacturing Insurance Among the most significant risks facing food and beverage producers and manufacturers is product spoilage and food contamination. Other primary risks include fires at your facility, machine malfunctions, and cyber-attacks. --- ### If I operate a food truck, do I still need insurance? - Published: 2022-11-11 - Modified: 2022-11-11 - URL: https://www.zensurance.com/blog/faq-items/if-i-operate-a-food-truck-do-i-still-need-insurance - FAQ Categories: Chef Insurance Yes. Personal chefs that work in any venue need insurance. Even if you travel to cook and deliver meals, there is a risk that something may go awry. --- ### Does my chef insurance cover independent kitchen or serving staff I hire? - Published: 2022-11-11 - Modified: 2022-11-11 - URL: https://www.zensurance.com/blog/faq-items/does-my-chef-insurance-cover-independent-kitchen-or-serving-staff-i-hire - FAQ Categories: Chef Insurance No. Your policy will only cover you and your full-time employees. Any independent kitchen staff or other professionals you hire should have their own insurance coverage. --- ### How much personal chef insurance should I buy? - Published: 2022-11-11 - Modified: 2022-11-11 - URL: https://www.zensurance.com/blog/faq-items/how-much-personal-chef-insurance-should-i-buy - FAQ Categories: Chef Insurance The amount of coverage a personal chef needs depends on your risk exposure and other factors, such as your annual revenue and property value. A licensed Zensurance broker can help you figure out how much coverage you require. --- ### Do artists who don’t have a studio need insurance? - Published: 2022-11-10 - Modified: 2022-11-10 - URL: https://www.zensurance.com/blog/faq-items/do-artists-who-dont-have-a-studio-need-insurance - FAQ Categories: Artist Insurance Yes. Artists who create in any venue need insurance, whether that is in a studio, a shared space, or your backyard. There is always a risk that an accident could happen. --- ### Does artist insurance cover my work if I only sell online? - Published: 2022-11-10 - Modified: 2022-11-10 - URL: https://www.zensurance.com/blog/faq-items/does-artist-insurance-cover-my-work-if-i-only-sell-online - FAQ Categories: Artist Insurance Yes. Your artist insurance will protect you and your assets even if you mainly operate in a digital gallery space. --- ### Will my artist insurance cover for exhibitions? - Published: 2022-11-10 - Modified: 2022-11-10 - URL: https://www.zensurance.com/blog/faq-items/will-my-artist-insurance-cover-for-exhibitions - FAQ Categories: Artist Insurance Yes. Artist insurance can protect you from claims of third-party injury or property damages during an exhibition. --- ### Are my employees who work at a trade show for my small business covered at the event? - Published: 2022-11-07 - Modified: 2022-11-07 - URL: https://www.zensurance.com/blog/faq-items/are-my-employees-who-work-at-a-trade-show-for-my-small-business-covered-at-the-event - FAQ Categories: Trade Show Insurance Yes. Employees who attend a trade show or convention with you can be added as additional insureds on your policy at no additional cost. --- ### What types of coverage are excluded from a trade show exhibitor insurance policy? - Published: 2022-11-07 - Modified: 2022-11-07 - URL: https://www.zensurance.com/blog/faq-items/what-types-of-coverage-are-excluded-from-a-trade-show-exhibitor-insurance-policy - FAQ Categories: Trade Show Insurance The exclusions of your policy depends on its coverage details and the insurance provider you choose. Typically, perils that may be excluded from a policy include floods and earthquakes. Items that may be excluded include alcoholic beverages, chemicals, pharmaceuticals, asbestos, money and precious metals or stones, fine art, antiques, terrorism, and firearms. Speak to a licensed Zensurance broker about your specific coverage needs. --- ### Can I get short-term coverage to exhibit at one trade show? - Published: 2022-11-07 - Modified: 2022-11-07 - URL: https://www.zensurance.com/blog/faq-items/can-i-get-short-term-coverage-to-exhibit-at-one-trade-show - FAQ Categories: Trade Show Insurance Zensurance only provides annual policies. Purchasing an annual policy to cover any number of trade shows or events you attend during the policy period is typically cheaper than buying short-term coverage. Also, your insurance policy is considered a business expense and the cost can be claimed when you file your annual tax return with the Canada Revenue Agency. --- ### I provide my services online. Can Zensurance provide me with the insurance coverage I need? - Published: 2022-11-02 - Modified: 2022-11-02 - URL: https://www.zensurance.com/blog/faq-items/i-provide-my-services-online-can-zensurance-provide-me-with-the-insurance-coverage-i-need - FAQ Categories: Dietitian Insurance Yes. As a technology company and online insurance brokerage, we understand where you’re coming from and can accommodate you whether you serve clients in Canada or elsewhere in the world online. --- ### Can Zensurance insure other services I provide? - Published: 2022-11-02 - Modified: 2022-11-02 - URL: https://www.zensurance.com/blog/faq-items/can-zensurance-insure-other-services-i-provide - FAQ Categories: Dietitian Insurance Yes. If you have other healthcare designations, we can typically accommodate them in a single policy. That will help you save money on your annual premium instead of paying for multiple policies. --- ### Will my association or college accept my coverage from Zensurance? - Published: 2022-11-02 - Modified: 2022-11-02 - URL: https://www.zensurance.com/blog/faq-items/will-my-association-or-college-accept-my-coverage-from-zensurance - FAQ Categories: Dietitian Insurance We can review any third-party insurance requirements your association or college has to ensure that our coverage meets them. --- ### Do mobile tanning services, such as mobile sunless tanning services, need insurance? - Published: 2022-10-13 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-mobile-tanning-services-such-as-mobile-sunless-tanning-services-need-insurance - FAQ Categories: Tanning Salon Insurance Yes. Tanning business insurance is not just for those who work in salons, gyms, or spas. Even if you travel to your clients, there is a risk something will go awry during your service. --- ### Does tanning business insurance cover independent beauticians working in my salon? - Published: 2022-10-13 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-tanning-business-insurance-cover-independent-beauticians-working-in-my-salon - FAQ Categories: Tanning Salon Insurance No. Your policy is designed to cover you and your full-time employees. Any independent beauticians that work temporarily or occasionally in your salon should have their own coverage. --- ### How much tanning business insurance should I buy? - Published: 2022-10-13 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-much-tanning-business-insurance-should-i-buy - FAQ Categories: Tanning Salon Insurance Figuring out what coverage limits you need for your policy depends on many factors, including the value of your business’s contents, your annual revenue, and the risks you face. Speak to a licensed Zensurance broker for guidance on how much coverage you require. --- ### My telehealth company is developing a mobile app for patients to download to their devices to book and attend appointments. Does a telehealth insurance policy cover how the app functions and performs? - Published: 2022-10-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/my-telehealth-company-is-developing-a-mobile-app-for-patients-to-download-to-their-devices-to-book-and-attend-appointments-does-a-telehealth-insurance-policy-cover-how-the-app-functions-and-performs - FAQ Categories: Telehealth Insurance Yes. Professional liability insurance includes coverage for your organization’s mobile app if it fails to perform as advertised or does not work correctly. --- ### Will a telehealth insurance policy cover me for technology-related errors that occur such as a website malfunction that results in a patient overpaying for a prescription? - Published: 2022-10-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-a-telehealth-insurance-policy-cover-me-for-technology-related-errors-that-occur-such-as-a-website-malfunction-that-results-in-a-patient-overpaying-for-a-prescription - FAQ Categories: Telehealth Insurance Yes. A telehealth insurance policy includes professional liability coverage (aka malpractice insurance). It covers mistakes, errors, omissions, and failure to deliver a service even if provided digitally or online. --- ### Do I need an occurrence-based or claims-based nurse malpractice policy? - Published: 2022-10-04 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-an-occurrence-based-or-claims-based-nurse-malpractice-policy - FAQ Categories: Nurse Insurance Zensurance offers claims-based policies that will consider and keep your retroactive date that you maintained with your nursing association or any other policy. --- ### Does my nurse malpractice insurance policy cover me if I’m charged with a criminal offence? - Published: 2022-10-04 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-nurse-malpractice-insurance-policy-cover-me-if-im-charged-with-a-criminal-offence - FAQ Categories: Nurse Insurance No. A medical malpractice insurance policy does not include coverage for legal expenses if you are charged with a criminal offence. --- ### I am a nurse and I offer some services outside of the scope of nursing, such as microblading. Do I need malpractice insurance? - Published: 2022-10-04 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/i-am-a-nurse-and-i-offer-some-services-outside-of-the-scope-of-nursing-such-as-microblading-do-i-need-malpractice-insurance - FAQ Categories: Nurse Insurance Yes. If you are providing beauty-related services outside of the nursing profession, you should still purchase a malpractice insurance policy to protect yourself from claims or legal actions resulting from the services you offer. --- ### Does my food truck insurance policy cover me if I want to sell alcohol? - Published: 2022-09-27 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-food-truck-insurance-policy-cover-me-if-i-want-to-sell-alcohol - FAQ Categories: Food Truck Insurance If you intend to sell alcoholic beverages from your food truck, you need to include liquor liability insurance to your overall policy. It covers the costs associated with claims alleging third-party bodily injury or property damage due to the actions of an intoxicated customer. --- ### If one of my customers sues me claiming they suffered food poisoning after eating food they purchased from my food truck, am I covered? - Published: 2022-09-27 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-one-of-my-customers-sues-me-claiming-they-suffered-food-poisoning-after-eating-food-they-purchased-from-my-food-truck-am-i-covered - FAQ Categories: Food Truck Insurance Yes. The product liability portion of your food truck insurance policy covers you for claims or lawsuits related to the food you sell to your customers. --- ### Does a food truck insurance policy cover both my vehicle and its contents? - Published: 2022-09-27 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-a-food-truck-insurance-policy-cover-both-my-vehicle-and-its-contents - FAQ Categories: Food Truck Insurance It depends on the coverages you choose to include in your food truck insurance policy. For instance, if you have commercial auto coverage and equipment breakdown coverage as part of your policy, then the vehicle and the kitchen appliances inside are both protected. --- ### What types of surfaces can a pressure washer damage? - Published: 2022-09-26 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-types-of-surfaces-can-a-pressure-washer-damage - FAQ Categories: Pressure Washing Insurance A pressure or power washing machine is capable of damaging almost any surface you can think of, including concrete, brick, wood, vinyl, metal, and painted surfaces. --- ### Will my pressure washing insurance policy cover my employees if they are injured? - Published: 2022-09-26 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-pressure-washing-insurance-policy-cover-my-employees-if-they-are-injured - FAQ Categories: Pressure Washing Insurance No. Your pressure washing insurance policy is designed to cover third-party personal injuries and property damage, your equipment and business premises, and any mistakes you or your employees make. You need workers’ compensation insurance that’s provided by your province to cover any injuries to your employees while they’re working. --- ### Can I get a temporary, one-day policy to cover me for a pressure washing job? - Published: 2022-09-26 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/can-i-get-a-temporary-one-day-policy-to-cover-me-for-a-pressure-washing-job - FAQ Categories: Pressure Washing Insurance Zensurance provides annual policies. Purchasing an annual pressure washing policy provides you with coverage for a full year so you can take on new jobs or contracts that require insurance. --- ### Do I need special coverage for conducting personal training sessions online? - Published: 2022-09-26 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-special-coverage-for-conducting-personal-training-sessions-online - FAQ Categories: Gym Insurance Fitness instructors and personal trainers who teach classes online should get a professional liability insurance policy to protect themselves from the risk of a customer alleging they suffered physical injury after participating in a virtual training session. --- ### Does it cost more to insure a gym or fitness centre that’s open 24 hours a day? - Published: 2022-09-26 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-it-cost-more-to-insure-a-gym-or-fitness-centre-thats-open-24-hours-a-day - FAQ Categories: Gym Insurance The cost of a gym or fitness centre insurance policy varies by insurance provider and many other factors. A fitness facility that’s open 24/7 may face unique risks. Speak to a licensed Zensurance broker about how much coverage you need. --- ### I only teach martial arts part-time. Do I really need an insurance policy? - Published: 2022-09-26 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/i-only-teach-martial-arts-part-time-do-i-really-need-an-insurance-policy - FAQ Categories: Martial Arts Insurance Yes, you do. Although it is a part-time job, you are still exposed to the possibility of being sued by one of your students. You should purchase professional liability insurance to protect yourself from allegations or legal action related to the services and advice you provide. --- ### If the studio space I rent is broken into and vandalized, will my policy cover the cost to repair the damages? - Published: 2022-09-26 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-the-studio-space-i-rent-is-broken-into-and-vandalized-will-my-policy-cover-the-cost-to-repair-the-damages - FAQ Categories: Martial Arts Insurance Yes. The commercial property portion of your martial arts insurance policy is designed to cover you for damage or loss related to theft, vandalism, fire, flood, or the impacts of severe weather to the studio space you rent. --- ### Am I covered if one of my students injures another student during a training session in my studio? - Published: 2022-09-26 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/am-i-covered-if-one-of-my-students-injures-another-student-during-a-training-session-in-my-studio - FAQ Categories: Martial Arts Insurance Yes. Your martial arts insurance policy includes commercial general liability and professional liability coverages. Combined, these coverages are designed to pay for injuries suffered by your students or visitors to your studio whether the injury occurs because of a lack of supervision or an accidental slip-and-fall. --- ### Who could sue a publicly traded company and why? - Published: 2022-09-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/who-could-sue-a-publicly-traded-company-and-why - FAQ Categories: Management Liability Insurance Employees and potential employees, donors, governments, stakeholders and shareholders, volunteers, and creditors could all take legal action against any publicly traded organization they feel has wronged them or acted illegally. --- ### Who are the insureds in a management liability insurance policy? - Published: 2022-09-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/who-are-the-insureds-in-a-management-liability-insurance-policy - FAQ Categories: Management Liability Insurance The insureds or the individuals who are insured by a management liability insurance policy, includes the current, former, and future directors, officers, and senior executives of a company. --- ### What type of claims are made against non-profit organizations? - Published: 2022-09-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-type-of-claims-are-made-against-nonprofit-organizations - FAQ Categories: Management Liability Insurance Non-profit organizations may face a wide range of claims or allegations, including employment-related disputes, legal action from a donor accusing it of misuse of funds, benefits plan omissions, or lawsuits seeking compensation from the board of directors if the organization enters bankruptcy proceedings. --- ### If I manufacture clothing, do I need additional coverage? - Published: 2022-09-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-manufacture-clothing-do-i-need-additional-coverage - FAQ Categories: Clothing Store Insurance Depending on how you manufacture clothing, you may also needequipment breakdown coverage. It can cover the costs of repairing or replacing equipment due to internal damage, such as an electrical or mechanical fault. Garment manufacturing machinery such as printing equipment and sewing machines can be covered under this policy. --- ### Will my clothing shop insurance cover products sold online? - Published: 2022-09-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-clothing-shop-insurance-cover-products-sold-online - FAQ Categories: Clothing Store Insurance If you sell your clothes online or have an e-commerce store in addition to your location, you can be covered by clothing shop insurance. Make sure you disclose that information when filling out our application and you’ll be provided with suitable options and coverage limits. --- ### Will my hospitality insurance policy cover me if one of my employees falls for a phishing attack via email? - Published: 2022-09-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-hospitality-insurance-policy-cover-me-if-one-of-my-employees-falls-for-a-phishing-attack-via-email - FAQ Categories: Hospitality Insurance Provided you have cyber liability protection as part of your overall policy it will. You can prevent that from happening, however, by training your employees on how to spot and stop any kind of phishing attack. --- ### Will a commercial auto policy cover me if my business’s cargo van is damaged in a collision? - Published: 2022-09-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-a-commercial-auto-policy-cover-me-if-my-businesss-cargo-van-is-damaged-in-a-collision - FAQ Categories: Hospitality Insurance If you include optional collision or upset coverage as part of a basic commercial auto policy, yes, you are covered for damage or loss of your van if it’s determined you are at fault for the accident. Without collision coverage, you are responsible to pay for damages to your vehicle in an at fault accident. If you are partially at fault or not at fault for a collision with another vehicle, the direct compensation-property damage (DCPD) portion of a basic commercial auto policy is designed to cover the cost of damages. --- ### What coverage limit is best for commercial general liability coverage? - Published: 2022-09-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-coverage-limit-is-best-for-commercial-general-liability-coverage - FAQ Categories: Hospitality Insurance The amount of coverage you require for your policy depends upon what your business does and how much risk you face. You can choose between $1 million and $2 million worth of coverage for general liability. Most hospitality businesses err on the side of caution and select a $2 million coverage limit. --- ### Is cyber liability insurance included in medical malpractice coverage? - Published: 2022-09-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-cyber-liability-insurance-included-in-medical-malpractice-coverage - FAQ Categories: PSW Insurance No. Cyber liability insurance is a standalone product that can be included in your overall policy to protect you from the fallout related to data breaches or cybercrime. --- ### I am employed at a long-term care facility for seniors. Do I need to buy insurance? - Published: 2022-09-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/i-am-employed-at-a-long-term-care-facility-for-seniors-do-i-need-to-buy-insurance - FAQ Categories: PSW Insurance Yes. Even though your employer carries insurance, chances are you’re on your own if you are named in a lawsuit or face an allegation of wrongdoing. It’s vital to have your own policy. --- ### Does a personal support worker insurance policy include coverage for abuse allegations? - Published: 2022-09-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-a-personal-support-worker-insurance-policy-include-coverage-for-abuse-allegations - FAQ Categories: PSW Insurance Not necessarily. A personal support worker insurance policy that includes medical malpractice coverage doesn’t usually include coverage against abuse claims. However, you may be able to add limited coverage to your policy to protect yourself from such allegations. Speak to a licensed Zensurance broker for more information. --- ### Does a software developer insurance policy include protection for my computing systems and related technology hardware? - Published: 2022-08-22 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-a-software-developer-insurance-policy-include-protection-for-my-computing-systems-and-related-technology-hardware - FAQ Categories: Software Developer Insurance If your policy includes commercial property coverage, your computers and other business contents are covered for damage or loss related to fire, flood, a natural disaster, theft, or vandalism. --- ### What is the right coverage limit for my software developer insurance policy? - Published: 2022-08-22 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-right-coverage-limit-for-my-software-developer-insurance-policy - FAQ Categories: Software Developer Insurance It depends. Whether you’re a self-employed or independent software developer who has many clients, an employee of a tech firm, or the owner of a mobile app development company, the policy limit you require should mirror the potential risks you face. In general, there are two options: a policy with $1 million or $2 million limits. Most software developers choose the $2 million limit to ensure they’re covered. Have a conversation with a Zensurance licensed broker about your concerns and make an informed decision. --- ### I work for a technology company. Why do I need my own software developer insurance policy? - Published: 2022-08-22 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/i-work-for-a-technology-company-why-do-i-need-my-own-software-developer-insurance-policy - FAQ Categories: Software Developer Insurance All software developers and technology professionals should safeguard their livelihoods by purchasing insurance. Although you work for a tech company that has insurance, their policy may not cover you for something such as errors and omissions, for instance. In other words, you may be leaving yourself exposed to liability without your own policy. --- ### Does a farmers’ market insurance policy cover me for selling at markets outside of Canada? - Published: 2022-08-11 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-a-farmers-market-insurance-policy-cover-me-for-selling-at-markets-outside-of-canada - FAQ Categories: Farmers Market Insurance No. A farmers’ market insurance policy from Zensurance only covers you for selling goods at markets in Canada. --- ### How much is the deductible on a farmers’ market insurance policy? - Published: 2022-08-11 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-much-is-the-deductible-on-a-farmers-market-insurance-policy - FAQ Categories: Farmers Market Insurance If you file a claim related to your commercial general liability coverage, there is no deductible that you need to pay. However, there is a deductible on other coverages, such as commercial property. You can choose what you want the deductible to be. In general, the higher the deductible, the lower your annual premium is. --- ### Does a farmers’ market insurance policy cover me for one event or multiple events throughout the year? - Published: 2022-08-11 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-a-farmers-market-insurance-policy-cover-me-for-one-event-or-multiple-events-throughout-the-year - FAQ Categories: Farmers Market Insurance An annual policy will provide you with protection for 12 months at however many farmers’ markets, street festivals, and community events where you are a registered vendor. For a seasonal or short-term policy, speak to a Zensurance licensed broker. --- ### Will my janitorial insurance policy cover me if I accidentally lose the keys to a client’s building? - Published: 2022-08-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-janitorial-insurance-policy-cover-me-if-i-accidentally-lose-the-keys-to-a-clients-building - FAQ Categories: Janitorial Insurance Yes. Losing the keys to a client’s commercial space or home can be frustrating, but the commercial general liability portion of your janitorial insurance policy is designed to pay to replace the lost keys and the matching door locks if necessary. --- ### Does a janitorial insurance policy cover me if I provide residential and commercial cleaning services? - Published: 2022-08-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-a-janitorial-insurance-policy-cover-me-if-i-provide-residential-and-commercial-cleaning-services - FAQ Categories: Janitorial Insurance Yes. A janitorial insurance policy will cover you for both commercial and residential cleaning services, however, if you specialize in providing only residential professional cleaning, there is an increased risk for incidents or accidents to occur travelling to multiple homes in a workday whereas commercial cleaning services are typically provided in the same location in a controlled environment, and often after usual office or business hours. --- ### Why does an insurer want to know what equipment and cleaning agents I use? - Published: 2022-08-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/why-does-an-insurer-want-to-know-what-equipment-and-cleaning-agents-i-use - FAQ Categories: Janitorial Insurance Your insurer wants to know what equipment you own and the chemicals and other cleaning agents you use as part of your services to determine how much it may cost them to repair or replace your equipment if damaged. Insurers also want to ensure your pollution liability coverage adequately accounts for the toxins and substances you use if an environmental, bodily injury, or property damage claim is brought against you. --- ### Do I need additional coverage if I apply varnish to my wood finish? - Published: 2022-08-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-additional-coverage-if-i-apply-varnish-to-my-wood-finish - FAQ Categories: Woodworker Insurance Yes. You should consider adding pollution liability coverage to your policy if you use toxic, flammable substances or chemicals in your woodworking shop. --- ### I was hired on a renovation project as a subcontractor. Do I need my own insurance? - Published: 2022-08-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/i-was-hired-on-a-renovation-project-as-a-subcontractor-do-i-need-my-own-insurance - FAQ Categories: Woodworker Insurance Yes. All subcontractors should carry liability insurance to protect themselves. Many general contractors or customers will not hire you if you don’t have coverage. --- ### Does my woodworking insurance cover finished products while they’re being shipped? - Published: 2022-08-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-woodworking-insurance-cover-finished-products-while-theyre-being-shipped - FAQ Categories: Woodworker Insurance Yes. The tools and equipment portion of your policy covers the cost of damage or loss to your finished products while in-transit or being shipped overland. --- ### Does speech therapy insurance provide worldwide coverage? - Published: 2022-08-02 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-speech-therapy-insurance-provide-worldwide-coverage - FAQ Categories: Speech Language Pathologist Insurance Certain policies, such as CGL and professional liability coverages can provide you with coverage worldwide. If you travel, or have clients from beyond Canada, ensure your business is adequately covered by talking to a licensed broker. --- ### What are the common risks that speech pathologists face? - Published: 2022-08-02 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-common-risks-that-speech-pathologists-face - FAQ Categories: Speech Language Pathologist Insurance Any professional that offers guidance and training will tend to be more exposed to professional liability claims, such as allegations of malpractice or negligence. Ensure you have professional liability coverage to be protected. --- ### Will my professional liability insurance cover online speech therapy services? - Published: 2022-08-02 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-professional-liability-insurance-cover-online-speech-therapy-services - FAQ Categories: Speech Language Pathologist Insurance Yes, whether you offer services in-person or virtually, you can be covered from claims if you’re professionally liable. --- ### Does Zensurance offer one-time special events liability coverage? - Published: 2022-07-29 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-zensurance-offer-one-time-special-events-liability-coverage - FAQ Categories: Wedding Planner Insurance No, Zensurance only offers quotes for annual (12-month) insurance policies. --- ### Am I responsible for liquor-related liabilities that may occur during the event? - Published: 2022-07-29 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/am-i-responsible-for-liquor-related-liabilities-that-may-occur-during-the-event - FAQ Categories: Wedding Planner Insurance No, the vendor or host should have liquor liability insurance. This policy provides their bartenders and servers with the liability coverage they need if they're held responsible for an alcohol-related incident. --- ### Does my event planning insurance cover contractors that I hire? (E.g., caterers, DJs, etc.) - Published: 2022-07-29 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-event-planning-insurance-cover-contractors-that-i-hire-e-g-caterers-djs-etc - FAQ Categories: Wedding Planner Insurance No, only employees (full- or part-time) would be covered under your wedding planner insurance policy. It's best to ensure any contractors or vendors have insurance before working with them. --- ### Does a web designer insurance policy cover me if I’m sued for copyright infringement? - Published: 2022-07-29 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-a-web-designer-insurance-policy-cover-me-if-im-sued-for-copyright-infringement - FAQ Categories: Web Designer and Developer Insurance Provided you have professional liability coverage as part of your overall policy, yes, you are covered for accusations or litigation alleging copyright infringement. --- ### I’m a freelance web developer who mostly works from home. Do I need insurance? - Published: 2022-07-29 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/im-a-freelance-web-developer-who-mostly-works-from-home-do-i-need-insurance - FAQ Categories: Web Designer and Developer Insurance Yes. Freelance web developers and designers should protect themselves with an insurance policy even if they work from home. You still face liability risks such as potential copyright infringement, contract disputes, or errors in your work that may trigger a lawsuit. --- ### How much professional liability coverage do I need for my web designer insurance policy? - Published: 2022-07-29 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-much-professional-liability-coverage-do-i-need-for-my-web-designer-insurance-policy - FAQ Categories: Web Designer and Developer Insurance Determining how much professional liability coverage to have in your policy depends on the type of work you do and the clients you serve. Typically, most web designers and developers carry $1 million worth of coverage. Have a conversation with a Zensurance broker to discuss whether you need a lower or higher limit. --- ### How are gas station insurance claims handled? - Published: 2022-07-29 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-are-gas-station-insurance-claims-handled - FAQ Categories: Gas Station Insurance As your insurance brokerage, Zensurance does not decide the outcome of any claim you submit. Like the price of your annual policy, it is your insurance company that determines the outcome of claims. When youfile a claim, Zensurance serves as the intermediary between you and your insurer. We ensure your claim is handled expeditiously, and if you wish to contest the decision your insurer makes, we help facilitate a review. --- ### My gas station has an automated car wash on site. Do I need additional coverage for it? - Published: 2022-07-29 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/my-gas-station-has-an-automated-car-wash-on-site-do-i-need-additional-coverage-for-it - FAQ Categories: Gas Station Insurance It depends. You may require additional coverage for your car wash, or your commercial property coverage limit may need to be increased to account for it. Be sure to mention to your licensed Zensurance broker if you have a car wash and they can advise you on what your policy requirements are. --- ### If a motorist fills their tank with fuel but drives away without paying for it, will my policy cover the loss? - Published: 2022-07-29 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-a-motorist-fills-their-tank-with-fuel-but-drives-away-without-paying-for-it-will-my-policy-cover-the-loss - FAQ Categories: Gas Station Insurance Yes. The commercial property portion of your gas station insurance policy pays for damage or loss related to theft and vandalism. It also covers you for damages resulting from fire, flood, and extreme weather. --- ### Are there any exclusions in my oil and gas insurance policy? - Published: 2022-07-27 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-there-any-exclusions-in-my-oil-and-gas-insurance-policy - FAQ Categories: Oil and Gas Insurance All insurance policies have exclusions, or risks that are not covered by your policy. For instance, an oil and gas insurance policy may exclude inland marine coverage or protection for equipment that’s in transit. Talk to a licensed broker about what exclusions, limits, and deductibles apply to your policy. --- ### Do oil and gas subcontractors need to have their own insurance coverage? - Published: 2022-07-27 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-oil-and-gas-subcontractors-need-to-have-their-own-insurance-coverage - FAQ Categories: Oil and Gas Insurance Yes. Any time you hire a subcontractor for any project, ask to see their certificate of insurance or proof of insurance document. Hiring a subcontractor who is not insured will expose you to risks. --- ### Do you offer excess liability coverage? - Published: 2022-07-27 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-you-offer-excess-liability-coverage - FAQ Categories: Oil and Gas Insurance Yes. You can purchase what is known ascommercial umbrella liability insuranceto get an extra layer of coverage to pay for costs that exceed your existing coverage limits. Speak to a Zensurance licensed broker about this option. --- ### Will my Etsy insurance provide coverage for other marketplaces that I sell on? - Published: 2022-07-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-etsy-insurance-provide-coverage-for-other-marketplaces-that-i-sell-on - FAQ Categories: Etsy Seller Insurance Yes, Etsy Insurance is simply a group of policies designed to protect the business activities of Etsy sellers, but similar online marketplaces can be covered under this type of insurance package. When you make a quote, you’ll be asked questions about your business that will help us determine the coverage you need, but feel free to reach out to a broker if you have any questions. --- ### Does my insurance cover product shipping or returns? - Published: 2022-07-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-insurance-cover-product-shipping-or-returns - FAQ Categories: Etsy Seller Insurance No, however, you can get shipping insurance through Etsy to cover certain losses or damage to your products during shipping. --- ### Does Etsy offer insurance? - Published: 2022-07-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-etsy-offer-insurance - FAQ Categories: Etsy Seller Insurance No, Etsy doesn’t offer insurance that will cover product liability or other types of liability claims. Etsy only offers shipping insurance, providing coverage against loss or damage to products during shipping. --- ### Does a videographer insurance policy cover me for all types of video shoots? - Published: 2022-07-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-a-videographer-insurance-policy-cover-me-for-all-types-of-video-shoots - FAQ Categories: Videography Insurance Yes. A comprehensive videographer insurance policy from Zensurance is applicable for any type of video shoot or project you’re working on, whether it’s a wedding video, music video, or real estate video. --- ### What are a videographer insurance policy’s coverage limits? - Published: 2022-07-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-are-a-videographer-insurance-policys-coverage-limits - FAQ Categories: Videography Insurance When you purchase a videographer insurance policy from Zensurance, you have the option to choose how much coverage you need. At a minimum, most videographers opt for a policy with a $1 million coverage limit, but you can increase it to $2 million if you wish. Deciding how much coverage you need depends on the risks your business faces and the value of your equipment. Speak to a licensed broker to determine how much coverage you need. --- ### Are videographers required to carry insurance? - Published: 2022-07-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-videographers-required-to-carry-insurance - FAQ Categories: Videography Insurance Whether you are an experienced self-employed or freelance videographer, starting out as a part-time videographer, or own and manage a video production company, video recording people at various locations exposes you to an unknown number of risks. For example, if you are accused of or sued for negligence or third-party bodily injury or property damage, the cost to settle the matter could run into thousands of dollars. Furthermore, you may be required to carry liability insurance to work in certain locations like at a tradeshow or to secure a customer contract. --- ### Does business contents insurance cover portable items if taken outside of my place of business, such as a laptop? - Published: 2022-06-29 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-business-contents-insurance-cover-portable-items-if-taken-outside-of-my-place-of-business-such-as-a-laptop - FAQ Categories: Business Contents Insurance Yes, it can, but you may need to buy a special cover that provides protection for this property while it is with you away from your place of business. This coverage includes protection for your company’s mobile or portable assets, such as laptop computers, mobile phones, and other equipment you need to provide services to your customers. --- ### If I file a business contents claim with my insurance company, what do I need to provide them with to ensure my items and inventory are repaired or replaced? - Published: 2022-06-29 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-file-a-business-contents-claim-with-my-insurance-company-what-do-i-need-to-provide-them-with-to-ensure-my-items-and-inventory-are-repaired-or-replaced - FAQ Categories: Business Contents Insurance You must create a business contents inventory list using a spreadsheet and update it regularly. That list should include descriptions, photos, videos, and receipts or valuations of everything at your place of business, including your inventory, furniture, electronics, office equipment, machinery, security cameras, and signage. Make digital and paper copies of your business contents list. Keep hard copies of the list stored in different, secure locations – upload digital copies to an encrypted cloud storage system. You should also consider keeping receipts of the property that you acquire. --- ### What is the difference between replacement cost and actual cash value in a business contents policy? - Published: 2022-06-29 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-replacement-cost-and-actual-cash-value-in-a-business-contents-policy - FAQ Categories: Business Contents Insurance Replacement cost coverage is when your insurer pays to restore your contents to their original condition or replace them with new items that are lost, stolen, or damaged beyond repair. Actual cash value coverage is based on the cost of buying the contents you lost minus depreciation. While replacement cost coverage provides ample reimbursement for damaged or destroyed items, it usually comes at a higher price than a policy based on actual cash value. --- ### Does a Shopify business insurance policy include coverage for dropshipping? - Published: 2022-06-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-a-shopify-business-insurance-policy-include-coverage-for-dropshipping - FAQ Categories: Shopify Insurance Some e-commerce businesses that do dropshipping are ones that sell products without stocking any inventory on their premises. Your Shopify business insurance policy from Zensurance includes product liability and other coverages that protect you for the goods you sell, even if you use dropshipping. --- ### How can I protect the products I ship to my customers? - Published: 2022-06-24 - Modified: 2023-04-10 - URL: https://www.zensurance.com/blog/faq-items/how-can-i-protect-the-products-i-ship-to-my-customers - FAQ Categories: Shopify Insurance Speak to a licensed Zensurance broker about adding a rider for cargo insurance (also called transit insurance or inland marine insurance) to your Shopify business insurance policy. Although it will increase the cost of your annual premium, it protects the entire value of your shipments, including profits that are shipped worldwide, costs related to shipping delays, and items that are held in storage. --- ### Will my Shopify business insurance policy cover the costs of product recalls? - Published: 2022-06-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-shopify-business-insurance-policy-cover-the-costs-of-product-recalls - FAQ Categories: Shopify Insurance Yes. The product liability portion of your commercial general liability insurance covers the cost of product recalls. It provides financial support for recall expenses, including disposal fees and public safety messages, inventory replacement costs, and brand rehabilitation expenses for public relations or advertising fees. --- ### Does pollution liability insurance include coverage for voluntary discoveries? - Published: 2022-06-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-pollution-liability-insurance-include-coverage-for-voluntary-discoveries - FAQ Categories: Restoration and Remediation Insurance Some pollution liability policies may exclude environmental cleanup costs that a policyholder voluntarily discovers to deter someone from, say, drilling holes in a property to find a problem and file a claim for damages. Speak to your licensed Zensurance broker to ensure you understand what your policy covers and does not cover, as well as any limitations or possible coverage gaps. --- ### Are there other kinds of business insurance coverage I should consider adding to my policy? - Published: 2022-06-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-there-other-kinds-of-business-insurance-coverage-i-should-consider-adding-to-my-policy - FAQ Categories: Restoration and Remediation Insurance It’s best to speak to a licensed Zensurance broker for advice and guidance on what types of coverages to include in your custom policy. However, you may wish to include legal expense insurance to your policy. If you need to hire and retain a lawyer or require legal advice, it can be remarkably expensive. Legal expense coverage can provide you with that protection for as little as $200 per year. --- ### Does my restoration and remediation insurance policy include coverage for any subcontractors I hire? - Published: 2022-06-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-restoration-and-remediation-insurance-policy-include-coverage-for-any-subcontractors-i-hire - FAQ Categories: Restoration and Remediation Insurance Your restoration and remediation policy covers your full-time employees. If you hire temporary or part-time subcontractors to assist on projects, it’s advisable to hire subcontractors who carry their own liability insurance policies or encourage them to buy a policy. --- ### How can I limit my junk removal company’s risk exposures? - Published: 2022-06-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-can-i-limit-my-junk-removal-companys-risk-exposures - FAQ Categories: Junk Removal Insurance There are a few ways you can mitigate the risks your company and employees face, including: Ensure all employees always wear protective safety gear including gloves, goggles, hard hats, and back braces. Only hire subcontractors who are insured and can provide a valid certificate of insurance. Do not remove any appliances from a home or building that are still connected to electrical or water lines. --- ### A client is accusing me of removing and disposing of an appliance they did not want removed and are threatening to sue. Will my policy protect me? - Published: 2022-06-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/a-client-is-accusing-me-of-removing-and-disposing-of-an-appliance-they-did-not-want-removed-and-are-threatening-to-sue-will-my-policy-protect-me - FAQ Categories: Junk Removal Insurance Provided you have errors and omissions (E&O) insurance as part of your policy, yes, you are covered for the cost of errors you make and have financial support for any legal defence fees you incur. --- ### My team accidentally dumped a truckload of debris in the wrong location on private property. The property owner is suing me for damages. Am I covered? - Published: 2022-06-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/my-team-accidentally-dumped-a-truckload-of-debris-in-the-wrong-location-on-private-property-the-property-owner-is-suing-me-for-damages-am-i-covered - FAQ Categories: Junk Removal Insurance Yes, your commercial general liability insurance may pay for the damages to the property, its clean-up, your legal fees and any settlement ordered by the court. --- ### Will my optometrist insurance cover other services that I provide? - Published: 2022-06-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-optometrist-insurance-cover-other-services-that-i-provide - FAQ Categories: Optometrist Insurance Yes. During the application process, you’ll have the opportunity to share details about the services you offer. The services you offer are a factor in your coverage recommendations and the calculated premium. --- ### How much malpractice insurance coverage do I need? - Published: 2022-06-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-much-malpractice-insurance-coverage-do-i-need - FAQ Categories: Optometrist Insurance In some provinces, there are legal insurance requirements and monetary limits needed to offer optometry services. Research the requirements for your province to ensure your insurance limits will be adequate. --- ### Do I need to get my liability insurance from my college of optometrists? - Published: 2022-06-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-to-get-my-liability-insurance-from-my-college-of-optometrists - FAQ Categories: Optometrist Insurance No, while you can choose to purchase your insurance through your college of optometry, you have the option to buy coverage from elsewhere too. By shopping around, you’ll find a variety of coverage options and price points that may better suit your needs. --- ### If I sell glasses or contact lenses at my clinic, will I need additional coverage? - Published: 2022-06-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-sell-glasses-or-contact-lenses-at-my-clinic-will-i-need-additional-coverage - FAQ Categories: Optician Insurance Talk to a Zensurance licensed broker to ensure your commercial general liability coverage includes product liability insurance. If it doesn’t, you can add product liability coverage to your policy. Product liability insurance protects you from third-party bodily injury or property damage claims or lawsuits for any product you manufacture, distribute, or sell. --- ### Will my optician professional liability policy cover me for online services? - Published: 2022-06-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-optician-professional-liability-policy-cover-me-for-online-services - FAQ Categories: Optician Insurance Yes. If you provide services online temporarily or permanently, your professional liability or medical malpractice policy is designed to provide you with protection and support related to your business should you need to file a claim for an insured loss or damage. --- ### Am I required to obtain insurance from my opticians’ college? - Published: 2022-06-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/am-i-required-to-obtain-insurance-from-my-opticians-college - FAQ Categories: Optician Insurance No. You are not required or obliged to purchase an optician insurance policy through the college of opticians in your province or the post-secondary institution you attended. Your best bet to find the right amount of coverage at a competitive price is to align yourself with a licensed business insurance brokerage to shop the market on your behalf. --- ### My independent grocery store does not sell products online. Do I still need cyber liability insurance? - Published: 2022-06-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/my-independent-grocery-store-does-not-sell-products-online-do-i-still-need-cyber-liability-insurance - FAQ Categories: Grocery Store Insurance Yes. It is advisable to include cyber liability coverage in your overall policy, even if you don’t sell food or other products online. If you have a website, use email to send confidential information to suppliers and employees, or use point-of-sale systems, you’re still subject to the threat of a cyber-attack, data breach, or other types of cybercrime. --- ### Is grocery store insurance tax deductible? - Published: 2022-06-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-grocery-store-insurance-tax-deductible - FAQ Categories: Grocery Store Insurance Yes. The Canada Revenue Agency does allow grocery and food store owners to deduct the cost of your annual grocery store insurance bill as a legitimate business expense. As business taxation laws are subject to change each year, it’s wise to speak with a certified accountant about your tax deduction options. --- ### How do I determine how much coverage I need to have for commercial general liability insurance? - Published: 2022-06-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-do-i-determine-how-much-coverage-i-need-to-have-for-commercial-general-liability-insurance - FAQ Categories: Grocery Store Insurance Determining your commercial general liability (CGL) coverage limit should be based on what risks you face. Most grocery and food stores purchase up to $2 million worth of CGL coverage but speak to a licensed Zensurance broker openly about your needs and concerns and the associated costs to make an informed decision. --- ### Does my demolition insurance policy include coverage for any subcontractors I hire for a specific project? - Published: 2022-06-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-demolition-insurance-policy-include-coverage-for-any-subcontractors-i-hire-for-a-specific-project - FAQ Categories: Demolition Insurance No. When hiring subcontractors, it’s recommended you only hire professionals who carry an insurance policy of their own. Your policy may not cover you for errors, accidents, or damages caused by a subcontractor. --- ### If sudden, extreme weather damages my company’s heavy equipment such as a bulldozer at a job site, will my policy cover me for those damages? - Published: 2022-06-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-sudden-extreme-weather-damages-my-companys-heavy-equipment-such-as-a-bulldozer-at-a-job-site-will-my-policy-cover-me-for-those-damages - FAQ Categories: Demolition Insurance Provided you have tools and equipment coverage as part of your overall policy, yes, your bulldozer would be covered for damages resulting from extreme weather. --- ### Does demolition insurance include coverage for noise from explosives used during a demolition? - Published: 2022-06-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-demolition-insurance-include-coverage-for-noise-from-explosives-used-during-a-demolition - FAQ Categories: Demolition Insurance Yes. Demolition insurance includes commercial general liability coverage, which provides protection from costs associated with third-party bodily injuries including aural injuries caused by the noise created by explosives. --- ### Can you provide access to coverage for armed private investigators? - Published: 2022-06-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/can-you-provide-access-to-coverage-for-armed-private-investigators - FAQ Categories: Private Investigator Insurance Yes, private investigators that carry arms can be covered by private investigator insurance. However, you should expect higher policy rates due to higher risks. --- ### An insurance company hired me to investigate a fraud case. Do I still need insurance? - Published: 2022-06-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/an-insurance-company-hired-me-to-investigate-a-fraud-case-do-i-still-need-insurance - FAQ Categories: Private Investigator Insurance Yes. You should have a policy, especially if you’re hired as a contractor. Your services are unlikely to be adequately covered by another company’s policy. --- ### I was charged with trespassing on private property during surveillance. Will my insurance cover this? - Published: 2022-06-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/i-was-charged-with-trespassing-on-private-property-during-surveillance-will-my-insurance-cover-this - FAQ Categories: Private Investigator Insurance No, private investigators cannot legally go onto private property on their own without permission – this is breaking the law, and insurance doesn’t cover intentional criminal acts. --- ### Can I be held liable if the pest infestation reoccurs after providing my services? - Published: 2022-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/can-i-be-held-liable-if-the-pest-infestation-reoccurs-after-providing-my-services - FAQ Categories: Pest Control Insurance To be held liable after providing pest control services, it would need to be proven you were negligent or made a mistake in your service that caused the recurrence after explicitly stating the pest issue was eradicated. If you’re held liable for failure to provide the expected service, you may be covered by a professional liability policy. --- ### Do I need to have a pest control certification to get insurance? - Published: 2022-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-to-have-a-pest-control-certification-to-get-insurance - FAQ Categories: Pest Control Insurance Depending on the province, you may need certification and insurance to operate extermination services outside your property. For example, in Ontario, you can’t run an extermination business without insurance that meets the criteria set by the province. --- ### What are the common risks that pest control companies face? - Published: 2022-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-common-risks-that-pest-control-companies-face - FAQ Categories: Pest Control Insurance Pest control businesses may face a broad range of liable risks. From a general third-party property damage claim (say you break an expensive TV while at a customer's home) to specific, business-related risks such as a pollution claim from chemical exposure or allegations of negligence in your pest control service. --- ### How necessary is it to include cyber liability insurance in my audiologist insurance policy? - Published: 2022-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-necessary-is-it-to-include-cyber-liability-insurance-in-my-audiologist-insurance-policy - FAQ Categories: Audiologist Insurance It is highly recommended you include cyber liability protection in your overall policy. While every industry or business is vulnerable to cyber-attacks and data breaches, research says healthcare businesses are four times more likely to be targeted by cybercriminals than other businesses. --- ### Commercial property insurance includes coverage for my clinic’s contents, electronics, and furnishings. Does that include covering my audiology testing equipment such as an audiometer if it is damaged by a power surge? - Published: 2022-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/commercial-property-insurance-includes-coverage-for-my-clinics-contents-electronics-and-furnishings-does-that-include-covering-my-audiology-testing-equipment-such-as-an-audiometer-if-it-is - FAQ Categories: Audiologist Insurance No. Commercial property insurance covers your clinic and its contents, inventory, and electronics if damaged by flood, fire, vandalism, or theft. To protect expensive audiology testing equipment from internal damages caused by a short circuit or power surge, you need to add equipment breakdown coverage to your policy. --- ### Does audiology insurance include coverage for hearing aids that my clinic sells to our patients? - Published: 2022-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-audiology-insurance-include-coverage-for-hearing-aids-that-my-clinic-sells-to-our-patients - FAQ Categories: Audiologist Insurance If your commercial general liability coverage includes product liability insurance, then yes, the hearing aids and other products your clinic sells are covered. However, check with your broker and make sure you have product liability coverage. If you don’t, you can add it to your policy. --- ### How does E&O insurance differ from professional liability insurance? - Published: 2022-05-26 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-does-eo-insurance-differ-from-professional-liability-insurance - FAQ Categories: Information Technology Insurance The difference is only in name. E&O insurance and professional liability insurance provide the same coverage and protection for IT consultants. --- ### Does E&O insurance provide me with coverage for a fraudulent act inflicted on a client that was committed by one of my employees? - Published: 2022-05-26 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-eo-insurance-provide-me-with-coverage-for-a-fraudulent-act-inflicted-on-a-client-that-was-committed-by-one-of-my-employees - FAQ Categories: Information Technology Insurance No. For protection against fraudulent acts, employee dishonesty, or other criminal activities committed or alleged to have been committed by one of your employees, you need commercial crime insurance added to your policy. --- ### I’m having trouble collecting money a client owes me after completing a project for them months ago. Can my insurance policy help? - Published: 2022-05-26 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/im-having-trouble-collecting-money-a-client-owes-me-after-completing-a-project-for-them-months-ago-can-my-insurance-policy-help - FAQ Categories: Information Technology Insurance Yes. If you have legal expense coverage included in your overall policy, you can seek legal help from an experienced lawyer who can help you resolve the situation quickly or pursue the matter in court. Legal expense coverage will pay for your legal fees to pursue a client for breach of contract or failure to pay the amount you are owed. --- ### One of my employees stole cash from my coffee shop. Will my insurance provide this coverage? - Published: 2022-05-19 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/one-of-my-employees-stole-cash-from-my-coffee-shop-will-my-insurance-provide-this-coverage - FAQ Categories: Cafe-Coffee Shop Insurance When an employee is involved in stealing company property, you need additional coverage called commercial crime insurance. Commercial crime coverage protects your business by offering financial protection against claims of employee dishonesty, forgery, fraud, and internal theft. --- ### Does my cafe insurance cover additional catering services? - Published: 2022-05-19 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-cafe-insurance-cover-additional-catering-services - FAQ Categories: Cafe-Coffee Shop Insurance Yes, if you offer a catering service also, you may require additional coverage based on the size and locations of the events you’re catering. Within your quote, you should disclose additional services offered, such as catering, to ensure you have enough coverage. --- ### If I sell alcohol at my cafe, will I need extra coverage? - Published: 2022-05-19 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-sell-alcohol-at-my-cafe-will-i-need-extra-coverage - FAQ Categories: Cafe-Coffee Shop Insurance Yes, if you serve alcohol in your cafe, you should add liquor liability to your policy. Liquor liability can cover you financially for alcohol-related accidents, such as being accused of overserving a customer, who injures themselves due to their intoxication. Liquor liability can cover legal fees and other related costs (such as medical fees) --- ### Do part-time practitioners working in a medical clinic require insurance? - Published: 2022-05-18 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-part-time-practitioners-working-in-a-medical-clinic-require-insurance - FAQ Categories: Clinic Insurance Yes. If you hire a health and wellness practitioner to work part-time or temporarily at your facility, you need to ensure they carry professional liability insurance. --- ### Are counsellors or practitioners who work from home covered by their respective home insurance policies? - Published: 2022-05-18 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-counsellors-or-practitioners-who-work-from-home-covered-by-their-respective-home-insurance-policies - FAQ Categories: Clinic Insurance No. If a counsellor or health and wellness practitioner works from home virtually or welcomes patients to their dwelling, they will require commercial general liability, commercial property, and professional liability insurance. Your residential home insurance policy is not designed to cover you for incidents or accidents related to running a business or managing a health and wellness practice. --- ### Is there a difference between the type of insurance a counsellor and therapist need? - Published: 2022-05-18 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-there-a-difference-between-the-type-of-insurance-a-counsellor-and-therapist-need - FAQ Categories: Clinic Insurance The terms counsellor and therapist are interchangeable and may refer to the same health and wellness practitioner type. Generally, a counsellor is a practitioner who treats a patient over a short period, and a therapist treats patients for an extended period. Both practitioners face similar professional liability risks and may require similar policies. --- ### Does dog walking insurance provide coverage for the care of dogs? - Published: 2022-05-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-dog-walking-insurance-provide-coverage-for-the-care-of-dogs - FAQ Categories: Dog Walking Insurance Dog walking insurance can cover other services, such as grooming or the boarding of dogs. However, you may need more coverage and higher limits. While filling out an online application, you’ll be asked about the specific services your business offers to help build an accurate policy for your needs. --- ### Is there a limit of how many dogs I can walk at a time? - Published: 2022-05-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-there-a-limit-of-how-many-dogs-i-can-walk-at-a-time - FAQ Categories: Dog Walking Insurance There may be limits depending on where you live. For instance, in the City of Toronto, you need a dog walking permit to walk four to six dogs at one time (less than that is fine) – walking more than six dogs is never allowed. Always ensure you’re following the local dog walking bylaws – that way, you’re likely to be covered in the event of a liability claim. --- ### If one of the dogs gets sick from a treat I gave them, will I be covered? - Published: 2022-05-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-one-of-the-dogs-gets-sick-from-a-treat-i-gave-them-will-i-be-covered - FAQ Categories: Dog Walking Insurance Yes, if a dog becomes sick or injured while in your care – even if, by accident, you caused their sickness – your CGL policy may cover their veterinary bills and any related legal defence costs. --- ### My company was granted a commercial window cleaning contract. Do I need to increase my coverage limit? - Published: 2022-05-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/my-company-was-granted-a-commercial-window-cleaning-contract-do-i-need-to-increase-my-coverage-limit - FAQ Categories: Window Cleaning Insurance It's recommended to have at least $2 million of coverage at a minimum. However, some contracts may require you to have a limit greater than $2 million. In those cases, it is wise to adhere to the contract’s terms and ensure you are covered adequately. Speak to a licensed broker if you need to increase your coverage limit. --- ### If I have a door-to-door sales team, are they covered by my policy in case of accidental property damage? - Published: 2022-05-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-have-a-door-to-door-sales-team-are-they-covered-by-my-policy-in-case-of-accidental-property-damage - FAQ Categories: Window Cleaning Insurance If the members of your sales team are also full-time employees, yes, your policy will provide them with coverage. If they are part-time employees, it will depend on your insurance carrier. However, most insurers consider part-time employees and subcontractors as one and the same, meaning they will need to get their own insurance policies. --- ### Will my insurance policy cover me if my window cleaning business uses specific chemicals such as chlorine and ammonia to clean exterior windows? - Published: 2022-05-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-insurance-policy-cover-me-if-my-window-cleaning-business-uses-specific-chemicals-such-as-chlorine-and-ammonia-to-clean-exterior-windows - FAQ Categories: Window Cleaning Insurance Provided you include pollution liability coverage as part of your overall policy, and your insurer is aware of the types of chemicals you use, yes, your business will be covered for environmental and property damages or physical injuries to people that occur as result of the materials your business uses. --- ### One of my customers accused me of theft. Will my handyman insurance policy cover me if they sue me? - Published: 2022-05-11 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/one-of-my-customers-accused-me-of-theft-will-my-handyman-insurance-policy-cover-me-if-they-sue-me - FAQ Categories: Handyman Insurance If a customer accuses you of theft and decides to pursue civil action against you in court, your commercial general liability insurance coverage may pay for your legal defence expenses as well as any court-ordered settlement. --- ### Am I liable for any subcontractors I hire for a specific project? - Published: 2022-05-11 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/am-i-liable-for-any-subcontractors-i-hire-for-a-specific-project - FAQ Categories: Handyman Insurance If you hire a subcontractor to provide services for a job you have been hired to do, and that subcontractor causes damage to the property and they are not insured, you could be held liable by your customer for third-party property damage. To avoid this situation, ensure any subcontractors you hire carry a valid certificate of insurance, or contact your broker to include them on your policy as an additional insured. --- ### Is there a difference between handyman insurance and contractor insurance? - Published: 2022-05-11 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-there-a-difference-between-handyman-insurance-and-contractor-insurance - FAQ Categories: Handyman Insurance In general, no, both handyman insurance and contractor insurance are designed to provide self-employed and independent professionals who identify as handymen or contractors similar types of coverage. Where there are differences comes down to the types of coverages you choose, the limits of those coverages, and the deductibles. --- ### How can a startup insurance policy support my company as I hire employees? - Published: 2022-05-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-can-a-startup-insurance-policy-support-my-company-as-i-hire-employees - FAQ Categories: Startup Insurance Once you begin to hire permanent or temporary employees, it may be necessary to enhance your existing coverage. For instance, you may wish to add commercial crime insurance to your policy, which safeguards your company from internal theft, fraud, or forgery. Or if your startup has one or more vehicles you use for business purposes, you may require commercial auto coverage. Talk to a licensed Zensurance broker to determine how you can up your coverage as you grow. --- ### What are some steps I can take to lower the annual cost of my policy? - Published: 2022-05-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-are-some-steps-i-can-take-to-lower-the-annual-cost-of-my-policy - FAQ Categories: Startup Insurance Conducting an annual risk assessment of your company and taking action to mitigate your risks when items are identified can help keep the cost of your policy as low as possible. Additionally, it’s wise to engage with a licensed broker and get an insurance checkup each year to ensure your coverage is sufficient as your business grows and changes. Your broker can also shop the market for you when your existing policy comes due for renewal to see if switching to a different insurer can increase your protection while decreasing the amount you pay. --- ### How does startup insurance factor into my strategic business plan? - Published: 2022-05-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-does-startup-insurance-factor-into-my-strategic-business-plan - FAQ Categories: Startup Insurance Startup insurance is a critical component of your strategic business plan and the backbone of your company’s risk management strategy. In essence, it helps you manage the risk of damage and loss to your startup. Assessing what your startup’s operational risks and liabilities are, is the first step toward getting the adequate protection you need and identifying any gaps in your policy. Your Zensurance licensed broker can help you do that. --- ### How can I reduce the cost of a hotel insurance premium? - Published: 2022-05-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-can-i-reduce-the-cost-of-a-hotel-insurance-premium - FAQ Categories: Hotel Insurance Taking proactive steps and preventative measures to mitigate your hotel’s risks is the best way to keep your annual insurance bill low. It’s important to note that an insurance contract is not a maintenance contract. Therefore, it’s incumbent upon you to ensure necessary repairs and maintenance to the property are conducted regularly. Furthermore, installing 24/7 monitored security surveillance cameras and burglar alarms, automated fire detection and water sprinkling systems, and having established safety programs and trained employees can help keep your annual premium as low as possible. --- ### Can I include both properties on one insurance policy if I own two or more motels or hotels in different locations? - Published: 2022-05-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/can-i-include-both-properties-on-one-insurance-policy-if-i-own-two-or-more-motels-or-hotels-in-different-locations - FAQ Categories: Hotel Insurance Yes. If you own multiple motels or hotel properties, they can be included in one policy with the same insurer. Doing so may also net you a modest discount for insuring more than one property with the same insurance company. --- ### My hotel does not have a bar, but each room has a small refrigerator that contains alcohol guests may purchase. Is it necessary to include liquor liability insurance in my overall policy? - Published: 2022-05-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/my-hotel-does-not-have-a-bar-but-each-room-has-a-small-refrigerator-that-contains-alcohol-guests-may-purchase-is-it-necessary-to-include-liquor-liability-insurance-in-my-overall-policy - FAQ Categories: Hotel Insurance Yes. Any hospitality business that serves its guests or customers alcohol should buy liquor liability insurance. Whether you serve alcohol in a bar or eatery, or in guest rooms, you could be held liable for injuries or damages caused by a guest if intoxication is deemed a contributing factor. --- ### Do I need specific coverage if I serve alcohol during catering events? - Published: 2022-04-21 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-specific-coverage-if-i-serve-alcohol-during-catering-events - FAQ Categories: Catering Insurance If you serve alcohol at your catering events, you should consider adding liquor liability to your insurance policy. Catering staff are also required to be Smart Serve certified to have an understanding that they’re not serving alcohol to guests beyond the point of intoxication. This can be a challenge, as everyone reacts to alcohol differently – however, you may be held liable if you serve alcohol to a customer who causes an accident, and alcohol is considered a contributing factor in the incident. --- ### Am I restricted to the types of dishes I can cater? - Published: 2022-04-21 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/am-i-restricted-to-the-types-of-dishes-i-can-cater - FAQ Categories: Catering Insurance Your business can prepare and serve any dish or cuisine except for any food that has cannabis ingredients. --- ### My catering company operates through a third-party commercial kitchen, do I need to include them into my policy? - Published: 2022-04-21 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/my-catering-company-operates-through-a-third-party-commercial-kitchen-do-i-need-to-include-them-into-my-policy - FAQ Categories: Catering Insurance Yes, if you run your catering through another business's kitchen (say a recreational centre, convention centre or banquet hall), most will ask to be included as an additional insured on your policy. This will ensure their equipment/premises are protected in the event of a claim made on your behalf. --- ### Does my commercial auto insurance provide coverage for my tools and equipment while in transit? - Published: 2022-04-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-commercial-auto-insurance-provide-coverage-for-my-tools-and-equipment-while-in-transit - FAQ Categories: Renovation Insurance No. A commercial auto policy does not cover the cost to repair or replace tools and equipment if they are damaged in a collision or stolen from a business vehicle. To protect those assets, you need to include tools and equipment insurance in your overall policy. --- ### Are renovation contractors required by law to have insurance? - Published: 2022-04-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-renovation-contractors-required-by-law-to-have-insurance - FAQ Categories: Renovation Insurance In most provinces, renovation contractors must carry commercial general liability insurance. Your customers may also insist you are insured and ask you to provide them with a certificate of insurance or proof of insurance before hiring you. Check with the authorities in your jurisdiction and speak to a Zensurance licensed broker to ensure you are adequately protected. --- ### Are any subcontractors I hire for a renovation project covered by my commercial general liability insurance policy? - Published: 2022-04-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-any-subcontractors-i-hire-for-a-renovation-project-covered-by-my-commercial-general-liability-insurance-policy - FAQ Categories: Renovation Insurance It depends on the terms and exclusions of your policy. It may be necessary to include any subcontractors you hire for a project as an ‘additional insured’ to your policy. Additionally, it is advisable to encourage any subcontractors you hire or work with to get their insurance coverage. A Zensurance licensed broker can help them if they are not insured. --- ### Can a former client launch a lawsuit against me alleging I caused them physical, psychological, or financial harm years ago? - Published: 2022-04-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/can-a-former-client-launch-a-lawsuit-against-me-alleging-i-caused-them-physical-psychological-or-financial-harm-years-ago - FAQ Categories: Fitness Instructor Insurance Yes. It is possible for a former client to sue you for bodily injury, negligence, or misconduct after they ceased using your services. For example, you can be sued for third-party bodily injury up to two years after someone initially reports the injury. --- ### What are the most common restrictions or exclusions in a fitness instructor insurance policy? - Published: 2022-04-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-most-common-restrictions-or-exclusions-in-a-fitness-instructor-insurance-policy - FAQ Categories: Fitness Instructor Insurance Some common exclusions in a fitness instructor insurance policy may include training professional athletes, student athletes or anyone under the age of 18, and certain types of exercises that involve aerial or aquatic components. --- ### Do I need to purchase product liability insurance to sell nutritional supplements to my customers that I buy from a supplier? - Published: 2022-04-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-to-purchase-product-liability-insurance-to-sell-nutritional-supplements-to-my-customers-that-i-buy-from-a-supplier - FAQ Categories: Fitness Instructor Insurance Yes. Any small business or self-employed professional who sells, distributes, or manufactures a product (including food and nutritional supplements) should have product liability coverage as part of their overall policy. Product liability coverage is usually included in commercial general liability insurance, but check your policy details or speak to one of our licensed brokers if you are not sure. --- ### When would commercial crime insurance get triggered? - Published: 2022-04-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/when-would-commercial-crime-insurance-get-triggered - FAQ Categories: Commercial Crime Insurance Your commercial crime insurance kicks in after filing a claim. It can be claimed on either a discovery basis (when you realize there is a loss while your policy is active or up to 60 days after the policy has been terminated) or loss-sustained basis (covers incidents during the policy period as well as losses that occurred under a prior crime policy). --- ### Does commercial crime insurance cover social engineering fraud? - Published: 2022-04-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-commercial-crime-insurance-cover-social-engineering-fraud - FAQ Categories: Commercial Crime Insurance No. Commercial crime insurance is not designed to protect you from social engineering fraud. For protection against social engineering, that is an optional type of coverage you can include in your policy when purchasing cyber liability insurance. --- ### Does commercial crime insurance include coverage for acts of violence? - Published: 2022-04-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-commercial-crime-insurance-include-coverage-for-acts-of-violence - FAQ Categories: Commercial Crime Insurance No. Commercial crime insurance is not designed to cover acts of violence in a workplace. However, some insurers may include coverage for things such as kidnapping and ransom. --- ### If I subcontract some of my health care services, will they be covered? - Published: 2022-04-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-subcontract-some-of-my-health-care-services-will-they-be-covered - FAQ Categories: Home Health Care Insurance Subcontractors aren’t covered by your insurance policy – generally, only full-time employees can be covered. Subcontractors should carry their own liability insurance. --- ### Are there any specific health care services that are excluded from my policy? - Published: 2022-04-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-there-any-specific-health-care-services-that-are-excluded-from-my-policy - FAQ Categories: Home Health Care Insurance Your insurance policy will cover you for unintentional actions you’re liable for, within the scope of your business activities. Therefore, you wouldn’t be covered for acts outside of the scope of the business (say, you decide to start selling pre-cooked dinners to patients without informing your insurance company) or intentional acts (such as deliberately mistreating a patient). For more detail on this subject, speak to a broker to ensure you’re sufficiently covered. --- ### What risks do home health care providers face? - Published: 2022-04-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-risks-do-home-health-care-providers-face - FAQ Categories: Home Health Care Insurance Home health care providers can run into a variety of risks, from the common “slip-and-fall” liabilities, through to costly allegations of medical malpractice. It’s important to protect your business financially with a comprehensive policy package that covers these potential claims. --- ### Does a temporary staffing agency’s insurance policy cover the employees they hire to work at a client’s jobsite? - Published: 2022-04-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-a-temporary-staffing-agencys-insurance-policy-cover-the-employees-they-hire-to-work-at-a-clients-jobsite - FAQ Categories: Recruitment and Staffing Insurance It depends. Because a temporary staffing agency hires and pays the candidate and not the agency’s business client, they are considered an employee of the agency. However, it’s your policy’s details that will clarify this situation. Ask your licensed broker if your policy extends to cover your employees. --- ### Does professional liability insurance include protection against allegations of defamation and libel? - Published: 2022-04-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-professional-liability-insurance-include-protection-against-allegations-of-defamation-and-libel - FAQ Categories: Recruitment and Staffing Insurance Yes. Professional liability insurance, or errors and omissions insurance, includes coverage for your media and advertising as well as any accusations of defamation, libel, or slander. Your commercial general liability insurance may also cover you in such situations, depending on the policy’s terms. Speak to your licensed broker to be sure. --- ### I am a recruiter who works for a staffing agency. My employer has insurance. Do I need my own policy? - Published: 2022-04-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/i-am-a-recruiter-who-works-for-a-staffing-agency-my-employer-has-insurance-do-i-need-my-own-policy - FAQ Categories: Recruitment and Staffing Insurance It is advisable to consider purchasing your own professional liability insurance policy to ensure you are not exposed by any gaps in your employer’s policy. Speak to one of our licensed brokers about your concerns and what your options are. --- ### If I use my personal vehicle to transport equipment, tools, and colleagues to and from a jobsite each day, will my existing private-passenger car insurance cover me if I get into a collision with another vehicle? - Published: 2022-03-31 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-use-my-personal-vehicle-to-transport-equipment-tools-and-colleagues-to-and-from-a-jobsite-each-day-will-my-existing-private-passenger-car-insurance-cover-me-if-i-get-into-a-collision-with-anot - FAQ Categories: Alberta Contractor Insurance In general, a private-passenger car insurance policy is not designed to provide coverage for any vehicle that is used for business purposes. You may need a commercial auto insurance policy to ensure you are protected. --- ### In the unfortunate event that a passerby is severely injured or killed by a falling object from a high-rise condo development that’s under construction, will contractors’ insurance cover that accident? - Published: 2022-03-31 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/in-the-unfortunate-event-that-a-passerby-is-severely-injured-or-killed-by-a-falling-object-from-a-high-rise-condo-development-thats-under-construction-will-contractors-insurance-cov - FAQ Categories: Alberta Contractor Insurance Your commercial general liability insurance policy is designed to cover third-party bodily injuries to anyone including passersby, whether it involves covering the cost of their medical expenses or a death. --- ### The company that hired me as a contractor to work on a construction project is insured. Do I still need an insurance policy? - Published: 2022-03-31 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/the-company-that-hired-me-as-a-contractor-to-work-on-a-construction-project-is-insured-do-i-still-need-an-insurance-policy - FAQ Categories: Alberta Contractor Insurance Yes. Even though you have been hired (permanently or temporarily) by a construction firm to work on one or more projects, your employer’s insurance policy may not provide you with complete coverage. It is wise to purchase a policy to protect yourself and ensure there are no gaps in the coverage your employer’s policy offers. Speak to one of our licensed brokers to learn more. --- ### What are the common risks that nail technicians face? - Published: 2022-03-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-common-risks-that-nail-technicians-face - FAQ Categories: Nail Technician Insurance Here are some of the risks that can occur in a nail salon that can be covered by nail technician insurance: Allergic reaction/adverse reaction to a treatment Slip-and-fall incident Property damage due to fire, theft or vandalism Allegations of professional negligence --- ### How much insurance coverage should a nail technician have? - Published: 2022-03-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-much-insurance-coverage-should-a-nail-technician-have - FAQ Categories: Nail Technician Insurance Typically, nail technicians should have at least $2 million coverage for liability claims. It may seem like a lot, but claims can be very costly – such as medical bills and legal fees that can add up quickly. --- ### Do I need additional coverage if I provide mobile nail services? - Published: 2022-03-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-additional-coverage-if-i-provide-mobile-nail-services - FAQ Categories: Nail Technician Insurance Yes. Our liability insurance adapts to your mobile nail business and can cover your content while in transit services across Canada at no additional cost. --- ### Does my insurance cover bike rentals? - Published: 2022-03-21 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-insurance-cover-bike-rentals - FAQ Categories: Bike Shop Insurance Product liability coverage within a commercial general liability insurance policy covers you for any injuries or property damage to a customer who rents a bike from your shop provided it is stated in your policy. --- ### Do I need additional coverage if my bike shop organizes and hosts a community cycling event? - Published: 2022-03-21 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-additional-coverage-if-my-bike-shop-organizes-and-hosts-a-community-cycling-event - FAQ Categories: Bike Shop Insurance Yes. If your bike shop hosts and runs cycling events outside of your store, you may require additional insurance coverage for them. Speak to one of our licensed insurance brokers about the types of events you plan to host and what your coverage options are for them. --- ### What is the most common risk bike shop owners face? - Published: 2022-03-21 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-most-common-risk-bike-shop-owners-face - FAQ Categories: Bike Shop Insurance While theft is undoubtedly a common problem independent bike dealers face, so too are the risks associated with building and repairing customers' cycles. If one of your bike repair technicians should make a mistake working on a customer’s bike, and a customer suffers an injury because of that error, you could be sued for third-party bodily injury. --- ### Why do microblading professionals need insurance? - Published: 2022-03-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/why-do-microblading-professionals-need-insurance - FAQ Categories: Microblading Insurance Every business has risks. For example, a client could simply slip and fall in your salon, leaving you liable for their costly medical bills, or a fire in the adjoining unit could break out overnight, destroying your expensive equipment. Regardless of the precautions taken, things can happen beyond your control. Protect your business from serious financial debt with coverage that’s right for you. --- ### Do I need my own insurance if I rent space at a spa? - Published: 2022-03-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-my-own-insurance-if-i-rent-space-at-a-spa - FAQ Categories: Microblading Insurance Yes, oftentimes commercial insurance policies only cover the liability of full-time employees. If you’re a freelancing microblading professional, or you rent a chair in a salon, check with the business owner to determine whether you’re covered – chances are you’ll need to carry your own insurance. --- ### Are there any requirements in order to obtain a microblading insurance policy? - Published: 2022-03-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-there-any-requirements-in-order-to-obtain-a-microblading-insurance-policy - FAQ Categories: Microblading Insurance Yes, we require accredited certification and a minimum of 40 hours of practical experience in order to provide a microblading insurance quote. --- ### Why do bookkeepers need insurance? - Published: 2022-03-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/why-do-bookkeepers-need-insurance - FAQ Categories: Bookkeeper Insurance Even the best bookkeeper may make a mistake or miscalculation. If an error, omission, or miscalculation is made and results in your client suffering a financial loss, your client could sue you for damages. Even a frivolous claim of wrongdoing by one of your clients may result in legal expenses that run into thousands of dollars. --- ### If I provide online bookkeeping services, do I still need insurance? - Published: 2022-03-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-provide-online-bookkeeping-services-do-i-still-need-insurance - FAQ Categories: Bookkeeper Insurance Yes. Even though the bookkeeping services you provide are online exclusively, you still need to purchase E&O insurance at a minimum to protect yourself against allegations of errors, omissions, misconduct, negligence, and failure to deliver a service as promised. Additionally, as a digital bookkeeping business, you should also consider adding cyber liability protection to your overall policy. --- ### Do bookkeepers and accountants need different insurance coverages? - Published: 2022-03-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-bookkeepers-and-accountants-need-different-insurance-coverages - FAQ Categories: Bookkeeper Insurance Not necessarily. As a bookkeeper, the types of coverages you need may be similar to those required by an accountant. For example, both professions must have E&O insurance (also known as professional liability insurance). Speak with one of our licensed brokers to ensure you have the right types of coverage for your business. --- ### Will my insurance cover my camp if I rent it out during the winter season? - Published: 2022-03-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-insurance-cover-my-camp-if-i-rent-it-out-during-the-winter-season - FAQ Categories: Summer Camp Insurance Many insurance companies will allow you to choose the duration of your policy. For example, at Zensurance we’ll ask you if you’re looking for annual coverage, seasonal coverage (minimum three months), or less than three months coverage. If your business is active in the winter months, ensure you have annual coverage in place, or speak to a broker about extending your coverage. --- ### Do I need insurance if I require camp participants to sign a liability waiver? - Published: 2022-03-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-insurance-if-i-require-camp-participants-to-sign-a-liability-waiver - FAQ Categories: Summer Camp Insurance Getting parents and guardians to sign waivers can protect your business against certain liabilities to a degree. However, there are aspects – such as the wording of the waiver and the details of the incident – that can determine whether a waiver is upheld in court. To ensure you’re sufficiently protected, it’s always advisable to hold insurance that covers you for a wide range of liable events. Additionally, a summer camp insurance policy may protect you from frivolous lawsuits brought against you. --- ### What is not covered in a summer camp insurance policy? - Published: 2022-03-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-not-covered-in-a-summer-camp-insurance-policy - FAQ Categories: Summer Camp Insurance Your summer camp insurance is a group of combined policies, all of which are optional. Besides coverages you choose to exclude, summer camp insurance won’t cover your business for deliberate liable actions that cause property damage or third-party bodily injury, such as if an employee was to vandalize the property. The majority of risks you could face will be included as optional coverage, and you can speak to a broker for more details. --- ### I’m a travelling freelance writer. Will my insurance provide coverage outside of Canada? - Published: 2022-03-01 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/im-a-travelling-freelance-writer-will-my-insurance-provide-coverage-outside-of-canada - FAQ Categories: Writer and Author Insurance Yes. A freelance writers' and authors' insurance policy can be customized to provide you with coverage when you are working outside of Canada temporarily. Speak to a licensed broker about your specific business needs to ensure your policy includes coverage for when you are working in another country. --- ### What’s the difference between media liability and professional liability? - Published: 2022-03-01 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/whats-the-difference-between-media-liability-and-professional-liability - FAQ Categories: Writer and Author Insurance Yes, media liability would include coverage specifically designed for the media industry. Professional liability provides coverage for writers working in industries other than media. --- ### Does writers insurance provide coverage for content published on my own blog? - Published: 2022-03-01 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-writers-insurance-provide-coverage-for-content-published-on-my-own-blog - FAQ Categories: Writer and Author Insurance Yes. A freelance writers and authors insurance policy includes coverage for any digital content you produce, including content you publish on a personal or professional blog that you own. --- ### Why doesn’t my home insurance cover if I work from home? - Published: 2022-02-28 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/why-doesnt-my-home-insurance-cover-if-i-work-from-home - FAQ Categories: Graphic Design Insurance Personal home insurance is not designed to provide coverage for a home-based business. Although some home insurance policies may offer a limited amount of coverage if you are working from home during the pandemic, if you are running a business out of your home, you require a commercial policy to insure your operations and premises. --- ### If I’m a freelancing graphic designer working outside of Canada. Will my insurance cover me? - Published: 2022-02-28 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-im-a-freelancing-graphic-designer-working-outside-of-canada-will-my-insurance-cover-me - FAQ Categories: Graphic Design Insurance Yes. Your professional liability insurance policy will cover you while working outside of Canada provided it is part of your coverage terms. Speak to a licensed broker about your coverage needs to ensure you are fully protected. --- ### What are the common risks that graphic designers face? - Published: 2022-02-28 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-common-risks-that-graphic-designers-face - FAQ Categories: Graphic Design Insurance Graphic designers face a wide variety of risks including copyright infringement, contract disputes, failure to meet deadlines or deliver a service as promised, and negligence. A professional liability insurance is designed to provide you with financial support if you are subject to an allegation of wrongdoing or a lawsuit. --- ### How can you reduce the cost of your annual car insurance policy? - Published: 2022-02-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-can-you-reduce-the-cost-of-your-annual-car-insurance-policy - FAQ Categories: Car Insurance The best way to keep your annual car insurance premium as low as possible is to maintain a clean driving record and remain claim-free. In other words, avoid racking up major traffic violations such as speeding or being involved in a collision. Some insurance companies will offer what’s known as a claim-free discount for drivers who have not filed any claims. Insurers may also provide a modest conviction-free discount if you have no convictions on your record like excessive speeding, dangerous driving, or impaired driving. However, even if you have a clean driving record, your annual premium may rise if your province’s car insurance regulator permits insurers to hike their rates. For instance, in Ontario, the Financial Services Regulatory Authority determines whether an insurer can raise its basic premium rate. --- ### Does car insurance follow the driver? - Published: 2022-02-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-car-insurance-follow-the-driver - FAQ Categories: Car Insurance No. Your car insurance policy follows your vehicle, not the driver. Therefore, if you loan your vehicle to a friend and they get into a collision, your insurance policy is affected. Your policy will cover other drivers listed on it and anyone that you grant permission to drive your vehicle. Keep in mind that a personal auto insurance policy is not designed to cover incidents your vehicle is in if used for business purposes. If you use your vehicle for work or a side hustle, you may need a commercial auto insurance policy to be adequately protected. --- ### What do I need to obtain car insurance in Canada? - Published: 2022-02-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-do-i-need-to-obtain-car-insurance-in-canada - FAQ Categories: Car Insurance To obtain a car insurance policy in Canada, you will need the following: Canadian residency A valid driver's licence A vehicle for personal use You cannot have been convicted of auto insurance fraud in the last 10 years --- ### Do I need homeowners insurance in Canada? - Published: 2022-02-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-homeowners-insurance-in-canada - FAQ Categories: Home Insurance Homeowners insurance is not a legal requirement in Canada, however, it is usually required by all mortgage lenders. Although you may not need or want a mortgage, home insurance is still highly recommended. It is meant to protect you from the unexpected. Homeowners insurance protects you in the event that your home or personal belongings are damaged, someone is injured on your property, or to repair or replace your belongings following an insured event. --- ### What is a homeowner insurance endorsement? - Published: 2022-02-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-a-homeowner-insurance-endorsement - FAQ Categories: Home Insurance A homeowner insurance endorsement or rider is optional coverage you can add to your policy to up the protection you need for your personal belongings and parts of your home that are not covered in a standard policy. Adding endorsements can increase coverage for your home business, protect you from damage caused by water back up, and coverage for personal items such as fine jewellry and art. --- ### How can I determine the cost to replace the personal belongings within my home? - Published: 2022-02-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-can-i-determine-the-cost-to-replace-the-personal-belongings-within-my-home - FAQ Categories: Home Insurance Personal belongings can be insured two different ways: replacement cost coverage and actual cash value. The replacement cost coverage may be limited to a dollar amount, however, you can be paid the dollar amount needed to replace an item without deduction for depreciation. Unless specified in your homeowner policy, coverage for personal belongings is for actual cash value. This coverage will pay you the amount equal to the replacement minus depreciation. --- ### What is not covered by homeowners insurance? - Published: 2022-02-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-not-covered-by-homeowners-insurance - FAQ Categories: Home Insurance Although homeowners insurance provides coverage for the structure of your home and personal belongings, there are several things that may not be covered. For example, typical home insurance policies do not cover collectables, valuable jewellery and artwork, damages caused by earthquakes or floods, or identity theft protection. However, these types of coverages may need to be added to your policy. --- ### What is covered by homeowners insurance? - Published: 2022-02-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-covered-by-homeowners-insurance - FAQ Categories: Home Insurance With many different options of homeowner insurance, the typical policy will cover the following: The actual structure of your home and any structures permanently attached. Detached structures such as sheds and garages. Your family’s personal belongings. Additional living expenses in the event that you cannot stay in your home and need to either stay at a hotel or rent another home for some time due to loss or repairs. Your personal liability. --- ### Do I need additional coverage if I work on commercial tree removal? - Published: 2022-02-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-additional-coverage-if-i-work-on-commercial-tree-removal - FAQ Categories: Arborist Insurance Your arborist or tree removal insurance policy must reflect the type of work you do. If you frequently provide tree removal services on commercial properties, speak to a licensed broker about the amount of coverage your small business requires. --- ### Do I need tree removal insurance if my clients have home insurance? - Published: 2022-02-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-tree-removal-insurance-if-my-clients-have-home-insurance - FAQ Categories: Arborist Insurance Yes. Even though your clients may have homeowner insurance policies, they are designed to protect their properties and possessions, but not your work, crew, or equipment. --- ### A customer is asking for my certificate of insurance. How do I get it? - Published: 2022-02-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/a-customer-is-asking-for-my-certificate-of-insurance-how-do-i-get-it - FAQ Categories: Arborist Insurance Your licensed insurance broker can provide you with a certificate of insurance if you need it. It is a one-page document that proves you are insured should you need to provide it to a partner, customer, or financial institution. --- ### Is there a difference between malpractice insurance and professional liability insurance? - Published: 2022-02-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-there-a-difference-between-malpractice-insurance-and-professional-liability-insurance - FAQ Categories: Spa Insurance Malpractice insurance for a spa typically focuses on bodily injury due to professional negligence, while professional liability is focused on financial harm. A comprehensive spa insurance policy from Zensurance is customizable to provide you with both coverages. --- ### Does my spa insurance policy cover any independent professionals who rent a space in my spa? - Published: 2022-02-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-spa-insurance-policy-cover-any-independent-professionals-who-rent-a-space-in-my-spa - FAQ Categories: Spa Insurance No. Your spa insurance policy is designed to cover you, the business owner, and your employees. If you have independent professionals working in your facility who are not your employees, they need their own liability insurance policy. --- ### I have my customers sign a liability waiver. Do I still need a spa insurance policy? - Published: 2022-02-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/i-have-my-customers-sign-a-liability-waiver-do-i-still-need-a-spa-insurance-policy - FAQ Categories: Spa Insurance Yes. A liability waiver may not protect you in court if you are sued. A spa insurance policy will provide you with financial support in the event one of our customers is injured on your property, by one of your services, or a product they purchase from you. --- ### Are there other types of coverages my construction business requires? - Published: 2022-02-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-there-other-types-of-coverages-my-construction-business-requires - FAQ Categories: Construction Insurance Depending on what your construction business does, the work it performs, and projects it has, there may be additional types of insurance you need to form a comprehensive policy. For example, if you provide advice or consulting services as part of your business, you may need to add professional liability coverage to your overall policy. Speak to a Zensurance licensed broker about your business’s needs and get their advice on what you need to be adequately protected. --- ### Do all members of my construction crew need to be licensed and insured? - Published: 2022-02-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-all-members-of-my-construction-crew-need-to-be-licensed-and-insured - FAQ Categories: Construction Insurance Yes. It is advisable for every member of your construction crew to be fully licensed, and they should each carry their own liability policy to protect them from expenses related to accidents, mishaps, or third-party lawsuits. --- ### What is wrap-up liability and what benefits does a wrap-up liability policy provide? - Published: 2022-02-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-wrap-up-liability-and-what-benefits-does-a-wrap-up-liability-policy-provide - FAQ Categories: Construction Insurance A wrap-up liability policy is a one-time, project-specific liability policy that is designed to cover everyone involved in a construction project and who work at the project site. Although all contractors and subcontractors involved in your project should carry their own liability insurance, wrap-up liability coverage is a time-saving way to guarantee every professional involved in your project is insured against the risk of third-party bodily injury or property damage claims. --- ### Is there a difference between a vacant property and unoccupied property? - Published: 2022-02-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-there-a-difference-between-a-vacant-property-and-unoccupied-property - FAQ Categories: Vacant Property Insurance Insurers consider a business property vacant if it is empty (no furniture or equipment inside) after a predetermined number of days. Typically, an insurer will restrict or deny coverage for a property that is vacant after more than 30 days. An unoccupied property is one insurers will consider habitable and maintained and still has the equipment, merchandise, furniture, and other items inside. --- ### Is there a maximum amount of time a business property that is vacant can be insured? - Published: 2022-02-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-there-a-maximum-amount-of-time-a-business-property-that-is-vacant-can-be-insured - FAQ Categories: Vacant Property Insurance No. However, the coverage limits of your policy may be restricted to a degree depending on the amount of time the property is unoccupied. Speak to a licensed broker about your property’s specific needs. --- ### What kinds of properties are ineligible for vacant property insurance? - Published: 2022-02-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-kinds-of-properties-are-ineligible-for-vacant-property-insurance - FAQ Categories: Vacant Property Insurance If a commercial property is abandoned or uninhabitable because of an insured loss, it may be difficult to find an insurer willing to issue a vacant property insurance policy for it. Have a conversation with a Zensurance licensed broker and let them advise you on how to obtain a policy to protect your unoccupied property. --- ### If I hired an engineer or architect for a project, will they be covered? - Published: 2022-02-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-hired-an-engineer-or-architect-for-a-project-will-they-be-covered - FAQ Categories: Interior Design Insurance Contractors such as engineers or architects can be covered under your policy, but may need to raise your coverage limits or ask them to have their own liability insurance coverage. If you’re including professional services in your projects that go beyond the scope of interior design, it’s always best to check your policy limits with a broker to ensure you’re covered adequately. --- ### How does different design project types affect my insurance premium? - Published: 2022-02-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-does-different-design-project-types-affect-my-insurance-premium - FAQ Categories: Interior Design Insurance Insurers calculate your premium based on the project size and the likelihood of a risk occurring. Generally, the bigger the project, the greater the potential risk, which can lead to higher premiums. While project size is one aspect of a quote, the likelihood of a risk occurring considers other things about your business such as your claims history and years of experience. For a tenured interior designer with no previous claims, a premium can be lower than average even for larger projects. --- ### What are the common liabilities of an interior designer? - Published: 2022-02-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-common-liabilities-of-an-interior-designer - FAQ Categories: Interior Design Insurance Due to managing complex and sometimes highly costly projects, interior designers are most likely to run into accusations of negligence or erroneous work. If a third-party files a lawsuit against your business, professional liability insurance may provide financial protection, regardless of whether the claim is found to be valid or not. --- ### Are faith-based organizations eligible for insurance discounts? - Published: 2022-02-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-faith-based-organizations-eligible-for-insurance-discounts - FAQ Categories: Church Insurance It’s unlikely. Insurers consider churches and other faith-based institutions the same as any other commercial property. However, some insurance companies may offer discounts on certain types of policies if the institution has up-to-date electrical and plumbing infrastructure and a 24/7 security and fire-monitoring surveillance system. Talk to a Zensurance licensed broker to find out if your organization qualifies for any discounts. --- ### Does commercial property insurance provide coverage for places of worship while they are vacant? - Published: 2022-02-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-commercial-property-insurance-provide-coverage-for-places-of-worship-while-they-are-vacant - FAQ Categories: Church Insurance It depends. A non-residential property such as a church may be considered vacant after a prolonged period by your insurance company (typically a period of more than 30 days). If that happens, your insurer may remove some of your policy’s coverages. Be sure to speak to a licensed broker about the restrictions and limitations of your policy to understand how they apply to you. --- ### Are there additional coverages I should add to a church insurance policy? - Published: 2022-02-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-there-additional-coverages-i-should-add-to-a-church-insurance-policy - FAQ Categories: Church Insurance Yes. You may wish to add additional or optional coverages to your overall insurance policy. For instance, if your church has a passenger van it uses to attend community events or provide some of your followers with transportation to and from your location, you may need to include commercial auto coverage in your policy. Or if your organization runs a children’s daycare, you may need to add abuse and molestation coverage. --- ### Do I need additional coverage if I provide mobile barber services? - Published: 2022-02-02 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-additional-coverage-if-i-provide-mobile-barber-services - FAQ Categories: Barber Shop Insurance Yes, if you travel for business purposes, you’ll require commercial auto insurance as part of a policy. This policy will cover you for liable incidents and the loss or damage to your business property while it’s in the vehicle. --- ### Does my barber shop insurance cover hair products that I sell? - Published: 2022-02-02 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-barber-shop-insurance-cover-hair-products-that-i-sell - FAQ Categories: Barber Shop Insurance Yes, product liability insurance is a part of your CGL coverage. If you sell a faulty or mislabelled product (such as shampoo or hair gel) and it’s alleged that product caused property damage or bodily injury due to a defect, your commercial liability insurance could cover you for the claim and related costs. --- ### If I rent out my chairs, does my insurance cover the contract barbers? - Published: 2022-02-02 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-rent-out-my-chairs-does-my-insurance-cover-the-contract-barbers - FAQ Categories: Barber Shop Insurance Generally speaking, your insurance will only cover your full-time employees. For self-employed or freelancing barbers working in your business, you should let them know they’ll likely need their own insurance policy to be covered for risks or losses. --- ### Will I be liable for injury-related claims after months of providing tattoo service? - Published: 2022-02-01 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-i-be-liable-for-injury-related-claims-after-months-of-providing-tattoo-service - FAQ Categories: Tattoo Insurance If a customer is blaming you for a tattoo-related injury months after your service, external factors will be considered. It would need to be proven your service directly caused the injury, and external factors (such as the level of care from the customer) weren’t the true cause. Depending on the outcome, general liability coverage could cover the costs of medical fees and legal fees. --- ### Will my insurance cover customer injuries sustained during the tattooing process? - Published: 2022-02-01 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-insurance-cover-customer-injuries-sustained-during-the-tattooing-process - FAQ Categories: Tattoo Insurance If you have general liability coverage, chances are you’ll be covered for causing an injury due to an accident during the tattooing process. Should a customer sue, general liability insurance may provide financial coverage for legal fees and medical fees. --- ### Do I need additional tattoo insurance coverage if I provide services to minors? - Published: 2022-02-01 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-additional-tattoo-insurance-coverage-if-i-provide-services-to-minors - FAQ Categories: Tattoo Insurance To get a tattoo, many provinces have mandated a minimum age that’s below the age of the minority. You may require higher coverage limits if you offer tattoos to minors. Check with a broker, or include this detail in your quote to ensure you’re adequately covered. --- ### What is excluded from a garage liability insurance policy? - Published: 2022-01-27 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-excluded-from-a-garage-liability-insurance-policy - FAQ Categories: Garage Insurance A garage liability insurance policy does not provide coverage for the contents in a customer’s vehicle such as clothing, money, or other items. --- ### Can a mechanic or auto repair technician be held liable because of a car accident involving a customer’s vehicle during a test drive? - Published: 2022-01-27 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/can-a-mechanic-or-auto-repair-technician-be-held-liable-because-of-a-car-accident-involving-a-customers-vehicle-during-a-test-drive - FAQ Categories: Garage Insurance Yes. A mechanic or auto repair technician can be held liable for damages to a customer’s vehicle resulting from a car accident they were driving to ensure it is in good condition after repairing it. --- ### What is the difference between garage liability and garage keepers’ liability insurance? - Published: 2022-01-27 - Modified: 2024-06-04 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-garage-liability-and-garage-keepers-liability-insurance - FAQ Categories: Garage Insurance Garage liability insurance, also called garage keepers insurance, protects you from third-party bodily injury or property damage claims, and if a customer’s vehicle that is in your care and control is damaged while on your premises due to a natural disaster, severe weather, theft, and vandalism. --- ### Can a former client sue me for an alleged error made on a tax return filed years ago? - Published: 2022-01-25 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/can-a-former-client-sue-me-for-an-alleged-error-made-on-a-tax-return-filed-years-ago - FAQ Categories: Tax Preparer Insurance Yes. Both your former and current clients could sue you for real or alleged errors. Whenever a mistake or negligent act harms one of your clients financially, there are often consequences. For example, if you missed an allowable tax deduction or your work results in a client underpaying their tax bill and they are subject to penalties and interest on the outstanding debt, that client may sue you to recover their losses. --- ### Is errors and omissions insurance mandatory for tax preparers? - Published: 2022-01-25 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-errors-and-omissions-insurance-mandatory-for-tax-preparers - FAQ Categories: Tax Preparer Insurance It depends. The province you live in or any professional association you are a member of may require you to carry a specific amount of errors and omissions insurance. For instance, any registered firms or professionals who are members of the Chartered Professional Accountants of Ontario are required to carry an E&O policy. --- ### Are tax preparers liable for their work? - Published: 2022-01-25 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-tax-preparers-liable-for-their-work - FAQ Categories: Tax Preparer Insurance As a professional tax preparer, you help your clients understand their tax obligations. However, your profession can expose you to a third-party lawsuit over the handling of highly sensitive information. If one of your clients gets in trouble with the Canada Revenue Agency for the way they’re managing their taxes, you may be subject to litigation. --- ### If I'm hired as a sub-contractor for another company, do I need my own insurance? - Published: 2022-01-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-im-hired-as-a-sub-contractor-for-another-company-do-i-need-my-own-insurance - FAQ Categories: Carpenter Insurance Yes, you’ll need your own insurance. Typically, insurance coverage only applies to a company’s full-time employees. If you work for yourself, or another company, you should ensure you have your own insurance coverage to protect your work. --- ### If I supply the fixtures or materials, do I need to get specific coverage for this? - Published: 2022-01-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-supply-the-fixtures-or-materials-do-i-need-to-get-specific-coverage-for-this - FAQ Categories: Carpenter Insurance Product liability insurance may be included in your CGL policy – speak to a broker to understand how you’re covered. Product liability insurance can cover third-party property damage or bodily injury caused by a faulty product you use in your projects. --- ### Does carpenter insurance cover poor craft quality? - Published: 2022-01-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-carpenter-insurance-cover-poor-craft-quality - FAQ Categories: Carpenter Insurance Depending on the size of the claim, poor workmanship may be covered under faulty workmanship coverage within your carpenter’s general liability policy. --- ### Who pays for builder’s risk insurance? - Published: 2022-01-11 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/who-pays-for-builders-risk-insurance - FAQ Categories: Builders risk insurance Purchasing builder’s risk insurance to cover a construction project is typically the property owner’s responsibility. When finalizing the details of a construction project, be sure to identify who will be responsible for purchasing the policy and ensure all involved parties are covered. --- ### Can a project manager get sued? - Published: 2021-12-22 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/can-a-project-manager-get-sued - FAQ Categories: Project Manager Insurance Yes. A project manager can face a third-party lawsuit from a customer or business partner for any number of reasons. For example, if you are responsible for overseeing and executing a new software project for a customer that uses their entire budget but produces an unsatisfactory or unusable solution for its end users, you could be named in a lawsuit that could cost you thousands of dollars. --- ### If I’m required to travel out of the country for project-related work, will my policy cover me? - Published: 2021-12-22 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-im-required-to-travel-out-of-the-country-for-project-related-work-will-my-policy-cover-me - FAQ Categories: Project Manager Insurance Most policies offer worldwide coverage, but some may impose restrictions in certain countries. Therefore, it is best to consult and confirm with your broker if the policy presented offers coverage outside Canada and any territories excluded. --- ### Does my project manager insurance include contract bonds? - Published: 2021-12-22 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-project-manager-insurance-include-contract-bonds - FAQ Categories: Project Manager Insurance Also known as contract surety bond, this coverage is separate from professional liability. They are primarily purchased in the construction industry. These bonds protect the owner from financial loss if the contractor fails to fulfill their contract's terms and conditions. --- ### Does my professional liability insurance cover me if I work outside of my home province? - Published: 2021-12-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-professional-liability-insurance-cover-me-if-i-work-outside-of-my-home-province - FAQ Categories: Paralegal Insurance It depends. During your insurance application, it needs to be determined in which provinces you are licensed to practice. If you are working from a location outside of Canada, such as in the United States, talk to one of our licensed brokers to ensure your policy includes coverage for working in another country. --- ### The law firm I work at has an insurance policy. As an employed paralegal, do I need my own insurance? - Published: 2021-12-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/the-law-firm-i-work-at-has-an-insurance-policy-as-an-employed-paralegal-do-i-need-my-own-insurance - FAQ Categories: Paralegal Insurance Yes. Even though the law firm where you work is insured, that policy may not cover you from allegations of wrongdoing or a third-party lawsuit. It is advisable to speak to a licensed broker to ensure there are no gaps in your coverage and ensure you are protected from allegations of negligence or errors with a professional liability policy. --- ### What is the difference between a “claims-made” policy and an “occurrence” policy? - Published: 2021-12-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-a-claims-made-policy-and-an-occurrence-policy - FAQ Categories: Paralegal Insurance A claims-made policy is one that protects you from allegations or claims made while your policy is active, regardless of when the insurable incident occurred. An occurrence policy provides coverage as long as you were insured when the incident occurred. --- ### Will my home insurance cover my training classes at my home-based gym? - Published: 2021-12-16 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-home-insurance-cover-my-training-classes-at-my-home-based-gym - FAQ Categories: Personal Trainer Insurance No. A personal home insurance policy is not a business insurance policy. It is not designed to cover the cost of a third-party bodily injury or professional liability lawsuit due to your services. Speak to a licensed broker about getting a business insurance policy that includes commercial general liability and professional liability coverages. --- ### My clients sign consent forms. Do I still need insurance? - Published: 2021-12-16 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/my-clients-sign-consent-forms-do-i-still-need-insurance - FAQ Categories: Personal Trainer Insurance Yes. Even though your clients sign consent forms acknowledging the possible risks they face by participating in your workout classes, you still require business insurance to protect yourself from third-party allegations and lawsuits of wrongdoing, negligence, or misconduct, or if they are injured by your exercise routine. Although a waiver or consent form can be helpful, they cannot prevent one of your clients from suing you. If they do, and you do not have business insurance, you are still responsible to pay for your legal defence costs. --- ### If I provide nutritional advice to my clients, will my personal trainer insurance cover me? - Published: 2021-12-16 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-provide-nutritional-advice-to-my-clients-will-my-personal-trainer-insurance-cover-me - FAQ Categories: Personal Trainer Insurance It depends. If you have professional liability coverage (also known as errors and omissions insurance) as part of your overall policy, you are covered for claims of negligence, third-party bodily injuries, or accusations of wrongdoing related to the advice you provided. If you do not have that type of coverage in your policy, you are leaving yourself exposed to the risk of having to pay thousands of dollars in damages if you are successfully sued by one of your clients. Zensurance can provide you with a policy that covers both nutritional advice based on the Canada Food Guide, as well as coverage for certified nutritionists and dieticians. --- ### Will a cannabis insurance policy protect me from theft of my products in my store or facility? - Published: 2021-12-13 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-a-cannabis-insurance-policy-protect-me-from-theft-of-my-products-in-my-store-or-facility - FAQ Categories: Cannabis Insurance If you operate a retail store or dispensary, and a visitor or customer steals products from your location, a commercial property insurance policy may cover you for the loss. However, if the theft is attributed to one of your employees, whether in a dispensary, warehouse, or production facility, you need commercial crime insurance coverage to safeguard your inventory from theft, forgery, or fraud committed by a dishonest employee. --- ### Are government cannabis insurance requirements across Canada standardized for each province? - Published: 2021-12-13 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-government-cannabis-insurance-requirements-across-canada-standardized-for-each-province - FAQ Categories: Cannabis Insurance No. Each province determines the required amount of coverage a cannabis business owner must have in their respective jurisdictions. Also, producers, suppliers, and retailers in any province may be required to hold different amounts of liability coverage. Check with your provincial authorities to find out how much insurance you are legally required to have for your location and speak with one of our licensed brokers to get their experienced recommendation on what your business should have in place. --- ### Does a standard cannabis insurance policy protect my business from data breaches or cyber-attacks? - Published: 2021-12-13 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-a-standard-cannabis-insurance-policy-protect-my-business-from-data-breaches-or-cyber-attacks - FAQ Categories: Cannabis Insurance You need to havecyber liability insurancecoverage included in your overall policy for protection and support from losses or damages resulting from an accidental or intentional data breach or if your business is the victim of an outside cyber-attack by an unknown hacker. --- ### If I plan to start teaching reiki as a course, do I need to change my policy? - Published: 2021-12-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-plan-to-start-teaching-reiki-as-a-course-do-i-need-to-change-my-policy - FAQ Categories: Reiki Insurance Yes, any changes to your business’s services – such as teaching a course based on your specialization – should be mentioned to your broker to ensure you have the right coverages and limits. --- ### Will reiki liability insurance cover other services that I provide? - Published: 2021-12-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-reiki-liability-insurance-cover-other-services-that-i-provide - FAQ Categories: Reiki Insurance Reiki liability insurance is designed to protect your specific reiki services. However, if you also provide similar services (e. g. Yoga), they can often be covered under the same policy so long as you disclose them to your broker. --- ### Can I still get reiki insurance if I'm only a level 1 practitioner? - Published: 2021-12-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/can-i-still-get-reiki-insurance-if-im-only-a-level-1-practitioner - FAQ Categories: Reiki Insurance Yes, reiki practitioners of any level can hold a reiki insurance policy, however, years of experience is considered as one of the pricing factors that determine your premium. --- ### If I rent out my mini excavator, will my insurance provide equipment coverage? - Published: 2021-12-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-rent-out-my-mini-excavator-will-my-insurance-provide-equipment-coverage - FAQ Categories: Excavation Insurance Some insurance companies are okay with insuring your mini excavator if you rent it to another party. However, you should ensure you are added to the individual’s or company’s policy you are renting the mini excavator to as an additional insured. That way, if a claim arises, it is that party's insurance that will cover the cost for the loss or damage. --- ### If my excavation project requires removing trees, am I covered? - Published: 2021-12-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-my-excavation-project-requires-removing-trees-am-i-covered - FAQ Categories: Excavation Insurance It may be necessary to include tree removal insurance to your policy for this type of operation if it’s included in the excavation process. That will ensure you are accurately covered. Speak to a licensed broker about your policy and inquire if you need to add tree removal coverage to your overall policy. --- ### Will my commercial general liability cover grading of land as an additional service? - Published: 2021-12-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-commercial-general-liability-cover-grading-of-land-as-an-additional-service - FAQ Categories: Excavation Insurance As part of your company’s services, the grading of land must be stated to your insurance company. It's not an unusual request since grading operations correlate with excavation work, but it's always vital to let your broker know in advance what type of work you are doing to ensure maximum protection. --- ### If I’m leasing a commercial space for my flower shop and it is broken into overnight and ransacked by an unknown burglar, am I covered? - Published: 2021-12-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-im-leasing-a-commercial-space-for-my-flower-shop-and-it-is-broken-into-overnight-and-ransacked-by-an-unknown-burglar-am-i-covered - FAQ Categories: Florist Insurance Yes. For damages to your contents such as your inventory or if your computer or laptop is stolen, your tenant legal liability insurance may pay to repair or replace your damaged or stolen contents including your inventory. It may also pay for any damages to the property caused by the burglar. --- ### Does florist insurance cover accidents that occur at another location such as a banquet hall? - Published: 2021-12-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-florist-insurance-cover-accidents-that-occur-at-another-location-such-as-a-banquet-hall - FAQ Categories: Florist Insurance Yes. For example, suppose you’re creating a flower wall for a wedding that’s to be held at a banquet hall. While you’re working on it, a ladder you use tips over and lands on a nearby table with champagne glasses, smashing the glasses to pieces. If you are sued by the banquet hall owner for damages, your policy may pay for the third-party property damages. --- ### If a fire damages my flower shop and I am forced to close, will my policy cover my losses? - Published: 2021-12-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-a-fire-damages-my-flower-shop-and-i-am-forced-to-close-will-my-policy-cover-my-losses - FAQ Categories: Florist Insurance Yes. Your commercial property insurance may pay for the damages caused by the fire to both the building and your contents and inventory. If you have business interruption coverage as part of your policy, it may pay for any income you lose while your shop is closed and under repair. --- ### Is student housing insurance for a rental property a legal requirement? - Published: 2021-12-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-student-housing-insurance-for-a-rental-property-a-legal-requirement - FAQ Categories: Student Housing Insurance No. A student housing insurance policy is not a legal requirement in Canada. However, if you don’t have coverage, you are taking a big gamble. After all, without an insurance policy, you are on your own to pay for any repair costs to your property should one of your tenants or their guests damage any part of it. Moreover, you are leaving yourself exposed to significant financial risk if you don’t have a policy if you are sued by anyone for bodily injuries if they are hurt while staying on our property. A third-party lawsuit could end up costing you hundreds of thousands of dollars. --- ### Does a student housing insurance policy also provide coverage for my tenants’ personal possessions? - Published: 2021-12-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-a-student-housing-insurance-policy-also-provide-coverage-for-my-tenants-personal-possessions - FAQ Categories: Student Housing Insurance No. Each of your student tenants requires a personal tenant insurance policy to protect their contents, such as clothing and electronics, and provide them with some liability coverage. From a risk management perspective, it is highly recommended that you insist your student tenants carry a personal renter’s insurance policy and ensure they provide you with proof of coverage. Typically, the student’s parents’ homeowner policy provides a student housing property coverage. Ask your student tenants to check with their parents if their existing homeowner policy provides coverage for student housing. --- ### Does a student housing insurance policy cover damages caused intentionally by a tenant? - Published: 2021-12-06 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-a-student-housing-insurance-policy-cover-damages-caused-intentionally-by-a-tenant - FAQ Categories: Student Housing Insurance It depends. If one of your student tenants intentionally damages your property, such as spray painting a wall, your policy may not reimburse you for paying for that repair. However, if you have vandalism buy-back coverage, you may be covered. To try to avoid this scenario, prepare a rental unit condition form for your student tenants to sign. Do a walk-through of the property with them to confirm everything in the building is in good condition, and then have the student sign the form before handing over the keys. Speak to a licensed broker about what your options are. --- ### What are the common risks for pilates instructors? - Published: 2021-12-01 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-common-risks-for-pilates-instructors - FAQ Categories: Pilates Insurance Any guided fitness activities tend to see liability claims relating to third-party bodily injury. These claims can occur due to general or professional risks. Ensure you have CGL and professional liability coverage to ensure you’re protected. --- ### What additional insurance coverages does a pilates studio owner need? - Published: 2021-12-01 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-additional-insurance-coverages-does-a-pilates-studio-owner-need - FAQ Categories: Pilates Insurance Depending on your business, you may require increased policy limits to fully cover your risk. If your business offers activities beyond pilates, check with a broker to see if you require any other coverages. --- ### Does pilates insurance cover online classes? - Published: 2021-12-01 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-pilates-insurance-cover-online-classes - FAQ Categories: Pilates Insurance Yes. Whether you teach your class in person or virtually, you can be covered from claims for which you’re professionally liable. --- ### I am employed as an occupational therapist assistant at a practice. My employer has insurance in place. Do I need to get my own policy? - Published: 2021-12-01 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/i-am-employed-as-an-occupational-therapist-assistant-at-a-practice-my-employer-has-insurance-in-place-do-i-need-to-get-my-own-policy - FAQ Categories: Occupational Therapy Insurance It depends. The insurance coverage your employer provides may have gaps that can leave you exposed to liability risks. Ensure you are covered against allegations of malpractice or neglect by speaking to a licensed broker. --- ### Does occupational therapy insurance provide coverage for virtual services? - Published: 2021-12-01 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-occupational-therapy-insurance-provide-coverage-for-virtual-services - FAQ Categories: Occupational Therapy Insurance Yes. Whether you provide your services in-person or virtually through a video conference call, your insurance policy is valid in both circumstances. --- ### Is occupational therapy insurance portable? - Published: 2021-12-01 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-occupational-therapy-insurance-portable - FAQ Categories: Occupational Therapy Insurance Yes. If you move to another province or territory to practice or decide to change jobs and work for a different practice, your insurance policy stays with you for the duration of the annual policy until it needs to be renewed. --- ### Is cyber liability insurance important for security service companies? - Published: 2021-11-26 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-cyber-liability-insurance-important-for-security-service-companies - FAQ Categories: Security Insurance Yes, it is. A cyber liability insurance policy protects your company from the cost of claims or third-party lawsuits related to a data breach or cyber-attack. It covers costs associated with losses or theft of your customers’ confidential information that is in your care, custody, and control. That could be confidential data stored on your computer systems, failure to comply with a privacy policy that prohibits the disclosure or sharing of personally identifiable information or taking necessary actions to prevent customer identity theft. --- ### Do security companies need professional liability insurance? - Published: 2021-11-26 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-security-companies-need-professional-liability-insurance - FAQ Categories: Security Insurance Yes. Professional liability, or errors and omissions (E&O) insurance, is a must-have for security service firms. Regardless of how meticulous and cautious your security team is executing their duties, mistakes or accidents can happen at any time to anyone. --- ### What kind of insurance do individual security guards need? - Published: 2021-11-26 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-kind-of-insurance-do-individual-security-guards-need - FAQ Categories: Security Insurance Security guards are responsible for protecting their customers’ properties from the risk of vandalism, burglary, and theft, or keeping people safe from harm. The nature of their jobs can put them in dangerous situations. At a minimum, security guards need commercial general liability and professional liability insurance. --- ### Is there coverage available for protection from breach of contract? - Published: 2021-11-26 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-there-coverage-available-for-protection-from-breach-of-contract - FAQ Categories: Media and Marketing Insurance Yes. If you miss a client deadline and fail to deliver a project on time, which causes your client to delay the public release of the project that results in a financial loss, E&O coverage can protect you from any lawsuits or damages the client suffers. --- ### If I hire contract dance instructors, are they covered in my insurance policy? - Published: 2021-11-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-hire-contract-dance-instructors-are-they-covered-in-my-insurance-policy - FAQ Categories: Dance Insurance No, your policy will only cover full-time employees or volunteers. Any contracted or freelance dance instructors will need to obtainindividualliability insurancepolicies. --- ### Does my dance liability insurance cover online dance classes? - Published: 2021-11-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-dance-liability-insurance-cover-online-dance-classes - FAQ Categories: Dance Insurance Yes, regardless of how you conduct your dance class, you’re responsible for the guidance you provide to your students. Liability insurance will cover you whether you teach your class in person or virtually. --- ### Is there a difference in coverage for dance instructors versus dance studios? - Published: 2021-11-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-there-a-difference-in-coverage-for-dance-instructors-versus-dance-studios - FAQ Categories: Dance Insurance Yes, if you’re a freelance dance instructor, you’ll likely need professional liability and CGL. However,if you own a dance studio, you’ll need to have more comprehensive coverage that covers your location along with liability. Thatensures you’re protecting your business-related assets should they be damaged during an insured event. --- ### Is landlord insurance for a rental property a legal requirement? - Published: 2021-11-19 - Modified: 2023-03-23 - URL: https://www.zensurance.com/blog/faq-items/is-landlord-insurance-for-a-rental-property-a-legal-requirement - FAQ Categories: Landlord Insurance No. A landlord insurance policy is not mandatory for rental properties in Canada. However, it is highly recommended to purchase a policy to protect yourself and the property from unexpected damages or third-party lawsuits. You are leaving yourself exposed to significant financial risk if you don’t have a policy to protect your property. --- ### Does a landlord insurance policy cover damages caused by a tenant? - Published: 2021-11-19 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-a-landlord-insurance-policy-cover-damages-caused-by-a-tenant - FAQ Categories: Landlord Insurance It depends. Most landlord insurance policies will cover a rental property from named perils, like damages from severe weather. If a tenant accidentally causes damage, such as a kitchen fire that destroys appliances, it may pay for the cost to repair or replace the appliances, any structural damages, and the rental income you lose while repairs are being made. However, if a tenant intentionally damages your property, such as punching a hole in a wall, the policy may not reimburse you for paying for that repair. Likewise, a landlord insurance policy does not cover the cost of maintenance-related issues. You are responsible for the upkeep and maintenance of the property. Also, it does not include coverage for household equipment breakdowns such as a malfunctioning furnace, dishwasher, or stove. --- ### Are there additional coverages I should add to a general landlord insurance policy? - Published: 2021-11-19 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-there-additional-coverages-i-should-add-to-a-general-landlord-insurance-policy - FAQ Categories: Landlord Insurance Yes. There are additional or optional coverages you can include in a general landlord insurance policy. For example, you may wish to add sewer backup coverage to the policy to protect your property to cover any damages to the sewer line that runs from your building to the municipal sewer drainage system. Should the sewer malfunction and wastewater from the sewer or a septic tank seep into your building, there could be significant damages to the building’s floors, walls, and other structures. You may also want to consider adding what’s known as overland water coverage, which safeguards the property from damages resulting from a flood, excessive rain, snow melt, or overflowing lakes or rivers. Not all insurance companies will provide you with overland water protection, so speak to a licensed broker about finding an insurer that will provide this type of coverage for your property. --- ### Does my social worker insurance extend coverage if I work in different provinces? - Published: 2021-11-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-social-worker-insurance-extend-coverage-if-i-work-in-different-provinces - FAQ Categories: Social Worker Insurance Yes, your social worker insurance (Malpractice Insurance) will cover your business activities throughout Canada. --- ### Does my insurance cover social workers while in training? - Published: 2021-11-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-insurance-cover-social-workers-while-in-training - FAQ Categories: Social Worker Insurance Yes, insurance may cover the liability of full-time employees, including apprentices or social workers in training. However, your policy limit will apply to all employees rather than each individual. To make sure you're sufficiently covered, you have the option to increase your limit. Alternatively, you can ask employees to carry their own insurance. --- ### Is it required to get my insurance from an association? - Published: 2021-11-17 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-it-required-to-get-my-insurance-from-an-association - FAQ Categories: Social Worker Insurance No, you don’t have to get insurance from an association. There’s an assumption social workers need to get insurance from the Canadian Association of Social Workers (CASW). Thatis incorrect – there are many insurance policies equipped for social workers. It’s definitely worth researching the coverage that best suits your business. --- ### What do insurance companies need to know about my professional cleaning business? - Published: 2021-11-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-do-insurance-companies-need-to-know-about-my-professional-cleaning-business - FAQ Categories: Cleaning Insurance To better understand the type of policy you need and the potential risks your business faces, insurance companies need an accurate description of the type of work you do. The professional cleaning and janitorial industry is diverse and has much variance. That’s why it’s vital to ensure you provide detailed information on your company, such as the services it provides, the types of customers you cater to, and how many employees you have. --- ### How can I reduce the risks of my cleaning business to get a lower premium? - Published: 2021-11-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-can-i-reduce-the-risks-of-my-cleaning-business-to-get-a-lower-premium - FAQ Categories: Cleaning Insurance Any business that takes proactive steps to mitigate its risks from potential losses, damages, or lawsuits will typically receive a lower annual premium than one that does not. It’s worthwhile to have a safety program in place for your employees to adhere to including directions on how to properly handle and dispose of chemicals safely. It’s also recommended to provide them with the safety-related items they need to protect themselves while on the job, such as rubber or latex gloves, safety goggles, and respiratory masks. --- ### Does the equipment or cleaning chemicals I use affect my annual insurance premium? - Published: 2021-11-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-the-equipment-or-cleaning-chemicals-i-use-affect-my-annual-insurance-premium - FAQ Categories: Cleaning Insurance Your insurer will want to know what equipment you use as well as the types of cleaning agents and chemicals you require to do your job effectively. While the type of equipment your business has may influence the cost of a policy, the cleaning chemicals and agents you use typically does not. --- ### How can I prevent my business fleet insurance premium from rising upon renewal? - Published: 2021-11-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-can-i-prevent-my-business-fleet-insurance-premium-from-rising-upon-renewal - FAQ Categories: Fleet Insurance Beyond ensuring your drivers obey the rules of the road, avoid getting into collisions or racking up serious traffic violations, talk to your broker about adding an accident forgiveness endorsement or rider to your policy. Some insurance companies will provide you with accident forgiveness, which is an endorsement whereby the insurer will “forgive” you if you are at fault for a collision if it’s the first accident you’ve been in over the previous six years. If you get into an accident and are deemed to be at fault, your accident forgiveness endorsement (which can only be used once) will ensure your premium doesn’t increase come renewal time because of that accident.   --- ### How can I reduce the cost of a motor fleet vehicle insurance policy? - Published: 2021-11-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-can-i-reduce-the-cost-of-a-motor-fleet-vehicle-insurance-policy - FAQ Categories: Fleet Insurance There are many things you can do to help lower your commercial fleet insurance costs. For example, be selective with who you allow to drive your vehicles and vet each driver’s driving record thoroughly. Also, provide your drivers with advanced driving training, ensure regular maintenance of your fleet, use winter tires from November to May, and install anti-theft and tracking devices on all your vehicles. It’s also wise to ensure your vehicles are parked in a secured lot or garage, select higher deductibles for your coverages, and if you can, avoid filing unnecessary claims for minor damages you can fix yourself. --- ### What is the difference between a commercial auto policy and a fleet vehicle insurance policy? - Published: 2021-11-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-a-commercial-auto-policy-and-a-fleet-vehicle-insurance-policy - FAQ Categories: Fleet Insurance A commercial auto policy is designed to cover one vehicle that is used for business purposes. A fleet insurance policy is designed to cover five or more company vehicles used for business purposes. Though each policy contains similar types of coverages, a fleet insurance policy also covers any employee with a valid driver’s licence and can consist of a variety of vehicles including passenger cars, SUVs, vans, trucks, and trailers. Thus, any business with no designated drivers but with employees who may need to switch vehicles can benefit from fleet insurance, such as hotel shuttles, delivery services, taxi companies, moving companies, and car rental businesses. --- ### Do you offer insurance for seasonal work or per project? - Published: 2021-11-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-you-offer-insurance-for-seasonal-work-or-per-project - FAQ Categories: Ontario Contractors Insurance No, but if your business offers different seasonal services, we can provide you with an annual policy. For example, a landscaping company that switches over to offering snow removal services in the wintertime. --- ### Are contractors in Ontario required to have an insurance policy? - Published: 2021-11-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-contractors-in-ontario-required-to-have-an-insurance-policy - FAQ Categories: Ontario Contractors Insurance Yes. At a minimum, Ontario contractors are required to have general liability insurance, which provides protection in case of bodily injury or property damage to a third party at a worksite. Some projects may require you to provide a certificate of insurance. Ontario contractors who employ one or more employees are also required to have workers compensation insurance to protect their employees. --- ### How are claims made by independent contractors and tradespeople handled? - Published: 2021-11-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-are-claims-made-by-independent-contractors-and-tradespeople-handled - FAQ Categories: Ontario Contractors Insurance Whenever an insured (that’s you) submits a claim to Zensurance’s claims team, we move immediately to report the claim to your insurance company and represent you by ensuring you get a fast response. Although we do not decide what the payout will be or if your claim will be honoured (that’s up to the insurance company), we do go to bat for our customers by ensuring they are informed every step of the way. One of the biggest problems with ensuring your claim is settled to your satisfaction is having the right amount of coverage. Talk to one of our licensed brokers when you’re setting up your policy or renewing it. They can guide you through the process, answer your questions, and ensure you have the adequate coverage you need, so you don’t have to worry if something goes wrong and you need to file a claim. --- ### Does photographer insurance include coverage for video gear? - Published: 2021-11-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-photographer-insurance-include-coverage-for-video-gear - FAQ Categories: Photographer Insurance You may need a customized policy to insure film equipment such as video cameras. Speak to a licensed broker about your needs and outline what type of equipment it is. They can guide you on what your coverage options are and get you a customized policy to protect your video equipment. --- ### Is professional liability insurance important for a photographer? - Published: 2021-11-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-professional-liability-insurance-important-for-a-photographer - FAQ Categories: Photographer Insurance Yes, it is. Think of professional liability as a type of malpractice insurance for shutterbugs. Suppose you’re hired to do a wedding photo shoot. Your camera could break, or a memory card may fail. Or maybe, despite your best effort, the shots you take don’t turn out the way you planned, and your customer is angry about it and sues you. That’s why you need professional liability coverage. It also protects you from allegations of negligence if a customer claims you failed to do your job. --- ### Do I need photography insurance even if I’m not a professional photographer? - Published: 2021-11-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-photography-insurance-even-if-im-not-a-professional-photographer - FAQ Categories: Photographer Insurance Yes. Both professional and amateur photographers should purchase a policy to protect their equipment and themselves from third-party liability lawsuits. If you’re taking photos of people, and those people get injured because of your work, you could be held legally liable for their injuries. --- ### How does the type of pool being installed affect my insurance premium? - Published: 2021-11-04 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-does-the-type-of-pool-being-installed-affect-my-insurance-premium - FAQ Categories: Swimming Pool Contractor Insurance In-ground pools are considered to be a greater risk than above-ground pools and hot tubs. That’s because in-ground pools involve excavation, tile installation, as well as possible plumbing- and HVAC-related work. --- ### Could I be held liable for pool damages after the completion of services? - Published: 2021-11-04 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/could-i-be-held-liable-for-pool-damages-after-the-completion-of-services - FAQ Categories: Swimming Pool Contractor Insurance Yes, you could be held liable for damages if they are in correlation with the work you did for your customer. --- ### What is excluded from a swimming pool contractor insurance policy? - Published: 2021-11-04 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-excluded-from-a-swimming-pool-contractor-insurance-policy - FAQ Categories: Swimming Pool Contractor Insurance Although every insurance policy is unique and based upon your situation and needs, some common exclusions from a swimming pool contractors’ liability policy may include:  Coverage for poor or faulty workmanship Events or items that give rise to pollution Coverage for subcontractors. All subcontractors need to have their own liability insurance before being hired for the job Speak to a licensed insurance broker about getting a policy and ask what is covered and excluded from the type of policy you require. Your broker can advise you on the types of coverages you should have for the type of work you do. --- ### What is excluded from a sports instructor insurance policy? - Published: 2021-11-04 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-excluded-from-a-sports-instructor-insurance-policy - FAQ Categories: Sports Insurance Coverage for virtual training sessions or training materials that are accessible to the general public is not typically included in a sports instructor insurance policy. In addition, a standard sports instructor insurance policy may not provide coverage for instructors under the age of 18, or for instruction related to certain activities such as canoeing, rowing, diving, kayaking, equestrian, martial arts, scuba diving, skiing, and surfing. Also, coverage for training a semi-professional or professional athlete is not included in a sports instructor policy. Speak to a licensed broker about what coverages are available as well as their terms, limits, and exclusions. --- ### Is participant injury covered in a sports insurance policy? - Published: 2021-11-04 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-participant-injury-covered-in-a-sports-insurance-policy - FAQ Categories: Sports Insurance If someone who is participating in a game or tournament your organization is hosting or as a member of your organization’s team participating in a game or tournament is injured on the field of play, your policy may cover the cost of their medical fees. However, you may need to purchase this type of coverage separately to add to your policy. Speak to your licensed broker if you want to include this coverage in your policy. --- ### Does my sports team insurance include coverage for international tournaments? - Published: 2021-11-04 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-sports-team-insurance-include-coverage-for-international-tournaments - FAQ Categories: Sports Insurance No. Your existing sports team insurance coverage is only valid for tournaments occurring in Canada. However, we do not restrict you from travelling abroad, and can work with you to accommodate your insurance needs for participating in tournaments and events outside of Canada. --- ### Do I need to let my insurance broker know if I change ingredients to my food items? - Published: 2021-10-25 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-to-let-my-insurance-broker-know-if-i-change-ingredients-to-my-food-items - FAQ Categories: Bakery Insurance Yes. Any material changes to your products or business needs to be approved by the insurance company through your broker to ensure those aspects of the business are still covered under the policy. If a change is made to your business and the coverage does not apply, then it is likely that a potential claim will not be covered. --- ### Will I be liable for lawsuits if I sell my baked goods from a third-party delivery app? - Published: 2021-10-25 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-i-be-liable-for-lawsuits-if-i-sell-my-baked-goods-from-a-third-party-delivery-app - FAQ Categories: Bakery Insurance Yes. The liability falls back onto the owner of the business for any products sold through any platform. You will need to look over the agreement you have with the third-party delivery provider, as there might be terms and agreements that remove your liability once the product enters the delivery vehicle. --- ### What is an ‘additional insured’ endorsement on a bakery business insurance policy? - Published: 2021-10-25 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-an-additional-insured-endorsement-on-a-bakery-business-insurance-policy - FAQ Categories: Bakery Insurance If your bakery hosts an event at another location other than your shop, the event organizer and property owner may require you to add them as ‘additional insureds’ to your policy. By doing so, you are extending your insurance coverage to them if your bakery or employees cause or are involved in an accident at that event. Speak to a licensed broker about additional insureds if you need it. Oftentimes, you can include additional insureds to your policy at no cost to you. --- ### How much insurance do I need for my auto repair shop? - Published: 2021-10-21 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-much-insurance-do-i-need-for-my-auto-repair-shop - FAQ Categories: Auto Repair Shop Insurance How much coverage your auto repair shop needs depends on several factors, including where your shop is located, the types of services you offer, how many employees you have, and what your annual and projected revenues are. It also depends on how many customers’ vehicles you have on your premises and the average value of each vehicle. Speak to a licensed broker to determine what level of coverage your auto repair shop needs. --- ### Do I need additional coverage if my auto repair shop also sells used cars? - Published: 2021-10-21 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-additional-coverage-if-my-auto-repair-shop-also-sells-used-cars - FAQ Categories: Auto Repair Shop Insurance Provided your auto repair shop has a used car dealer licence as per your province’s regulations, you may require additional ‘used car dealer’ coverage to your commercial general liability policy to adequately protect the new or used vehicles in your possession. Whereas garage keepers liability insurance protects customer vehicles in your care, used car dealer coverage is designed to protect you against damages or loss such as theft and vandalism to vehicles you are selling.   --- ### Does my insurance policy cover my mechanics in training? - Published: 2021-10-21 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-insurance-policy-cover-my-mechanics-in-training - FAQ Categories: Auto Repair Shop Insurance A comprehensive package featuring commercial general liability and E&O (errors and omissions) insurance may cover the costs associated with any errors your auto mechanics or technicians make to a customer’s vehicle that lead to a car accident. Your auto mechanics and technicians, whether they are being trained or are experienced employees, are covered by a commercial general liability policy. --- ### What is the difference between Airbnb host protection insurance and a personal tenant insurance policy? - Published: 2021-10-21 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-airbnb-host-protection-insurance-and-a-personal-tenant-insurance-policy - FAQ Categories: Airbnb Insurance Airbnb’s host protection insurance is automatically applied to all Airbnb hosts. It may cover your legal responsibility for bodily injury to guests or others and damage to property belonging to your guests. It may provide up to US$1 million in liability coverage for a host’s legal responsibility for third-party bodily injuries, subject to policy terms, conditions, and exclusions. A personal tenant insurance policy is a policy designed to protect tenants or renters of a home, condo, or apartment. Like a homeowner’s personal policy, it is not designed to cover short-term rentals through home-sharing services like Airbnb. Therefore, it is not a suitable replacement for or enhancement to Airbnb’s host protection insurance program. --- ### Will a personal homeowner insurance policy cover my Airbnb rental? - Published: 2021-10-21 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-a-personal-homeowner-insurance-policy-cover-my-airbnb-rental - FAQ Categories: Airbnb Insurance No. It is unlikely that your existing home insurance company will cover the cost of third-party bodily injuries or property damages. You should inform your current insurer of your intention to list your property on Airbnb and any other home-sharing website, or your insurer may void your home insurance policy entirely for breach of contract. If your home insurance policy is cancelled by an insurance company, getting home insurance from another insurer could prove to be difficult as well as expensive. --- ### How are claims made by Airbnb hosts handled? - Published: 2021-10-21 - Modified: 2024-10-16 - URL: https://www.zensurance.com/blog/faq-items/how-are-claims-made-by-airbnb-hosts-handled - FAQ Categories: Airbnb Insurance Whenever an insured (that’s you) submits a claim to Zensurance’s claims team, we move immediately to report the claim to your insurance company and represent you by ensuring you get a fast response. Although we do not decide what the payout will be or if your claim will be honoured (that’s up to the insurance company), we do go to bat for our customers by ensuring they are informed every step of the way. One of the biggest problems with ensuring your claim is settled to your satisfaction is having the right customized coverages protecting your property at the get-go. Talk to our licensed brokers when you’re setting up your policy or renewing it. They can guide you through the process, answer your questions, and ensure you have the right coverages in place, so you don’t have to worry if something goes wrong and you need to file a claim. --- ### What’s the difference between a product recall and product liability insurance? - Published: 2021-10-20 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/whats-the-difference-between-a-product-recall-and-product-liability-insurance - FAQ Categories: Manufacturer Insurance A product recall can be expensive, logistically complex, and it can severely damage your company’s reputation. Whereas product liability insurance covers the cost of third-party bodily injuries or property damage from the use of your product, product recall insurance may pay for the operational costs of a product recall, including advertising the recall, shipping and disposal costs, as well as product replacement, repair, and distribution costs. --- ### Will my product liability insurance cover me for products sold to other countries? - Published: 2021-10-20 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-product-liability-insurance-cover-me-for-products-sold-to-other-countries - FAQ Categories: Manufacturer Insurance Yes, unless stated otherwise in the policy. Product liability coverage is designed to cover a company that exports its products to another country, however, you may need to increase the coverage limit to adequately cover the risks inherent in those products. If a product liability suit is filed against your company in a foreign country, your company is responsible for paying legal fees, court costs, and whatever the rendered judgment is against your business. If your company is doing business overseas and lacks adequate product liability coverage, any legal judgments against you in those countries --- ### How do my products get evaluated in terms of risk? - Published: 2021-10-20 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-do-my-products-get-evaluated-in-terms-of-risk - FAQ Categories: Manufacturer Insurance The products your facility uses and manufacturers are evaluated according to several criteria. For instance, if you use hazardous materials, importing materials or products from other countries, what the environmental impacts are for using or producing those materials, and the safety procedures you have in place during the manufacturing process.   --- ### Does my home insurance cover my freelance business? - Published: 2021-10-20 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-home-insurance-cover-my-freelance-business - FAQ Categories: Freelancer Insurance It’s a common assumption that home-based small businesses are automatically covered by a homeowners policy, but that isn’t the case necessarily. Many homeowner's policies exclude business-related claims or they’ll have a low monetary limit that can’t provide adequate coverage in the case of a claim. --- ### If I’m travelling while working, am I still covered? - Published: 2021-10-20 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-im-travelling-while-working-am-i-still-covered - FAQ Categories: Freelancer Insurance Typically, freelancer insurance policies will cover you for business-related activities within Canada. Some coverages, such as liability-based coverages can provide you with protection worldwide. To ensure your business is adequately covered whilst travelling, talk to one of our licensed brokers. --- ### Does freelancer insurance cover my services on third-party marketplaces? - Published: 2021-10-20 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-freelancer-insurance-cover-my-services-on-third-party-marketplaces - FAQ Categories: Freelancer Insurance Yes. Freelancer insurance covers your work on websites that you don’t own (for example, if you’re a freelance writer whose work is published on a third-party site, or you’re advertising your services on a marketplace website). --- ### Will acupuncture malpractice insurance cover my home-based clinic? - Published: 2021-10-20 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-acupuncture-malpractice-insurance-cover-my-home-based-clinic - FAQ Categories: Acupuncture Insurance Yes. Acupuncture malpractice insurance provides protection for home-based clinics. --- ### Does acupuncture insurance cover other services that I provide? - Published: 2021-10-20 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-acupuncture-insurance-cover-other-services-that-i-provide - FAQ Categories: Acupuncture Insurance Yes, with acupuncture insurance you can extend your coverage for other services that you also provide, such as massage therapy or other traditional Chinese healing. When you make a quote, you’ll likely be asked to disclose other services you offer so you’re provided with the right policy for your business. If you’re unsure whether a specific service will be covered, it’s always best to check with a broker. --- ### How much acupuncture liability coverage should I get? - Published: 2021-10-20 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-much-acupuncture-liability-coverage-should-i-get - FAQ Categories: Acupuncture Insurance Liability and malpractice claims can cost thousands of dollars – sometimes even more than that, therefore it’s extremely important to have a sufficient monetary limit should a claim be made against your business. The exact dollar amount depends on factors such as the size of your business and the types of services you provide. When you make a quote with Zensurance, we determine a suggested amount of liability coverage, but you have the option to raise or lower that limit based on your comfort level. --- ### Is a pickup truck considered a commercial vehicle? - Published: 2021-10-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-a-pickup-truck-considered-a-commercial-vehicle - FAQ Categories: Commercial Auto Insurance In general, most provinces consider pickup trucks to be commercial motor vehicles if they are used for commercial or business purposes. However, check with your provincial transportation ministry to determine if your pickup truck is classified as a commercial vehicle. --- ### Are my tools covered under my commercial auto policy? - Published: 2021-10-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-my-tools-covered-under-my-commercial-auto-policy - FAQ Categories: Commercial Auto Insurance You may require an enhancement to your policy to protect your tools and equipment. Tools and equipment coverage is designed to replace, or repair lost or damaged equipment and tools, accessories. Anything valued at less than $1,500 is considered a tool, whereas anything above is considered equipment. --- ### If I use my personal vehicle for work and get into an accident, will my personal car insurance policy pay for damages? - Published: 2021-10-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-use-my-personal-vehicle-for-work-and-get-into-an-accident-will-my-personal-car-insurance-policy-pay-for-damages - FAQ Categories: Commercial Auto Insurance Not necessarily. If the insurer for your existing personal auto policy is unaware you are using your private vehicle for business purposes, they could deny any claim you file. That means you will be on your own to cover the cost of repairing or replacing your vehicle. Furthermore, your personal auto policy could be cancelled by the insurer for not notifying them you use your vehicle for work. If an insurer cancels your personal auto policy, it will cause your premium to rise significantly. --- ### Is equipment breakdown insurance necessary for campgrounds and RV parks? - Published: 2021-10-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-equipment-breakdown-insurance-necessary-for-campgrounds-and-rv-parks - FAQ Categories: Campground and RV Park Insurance If your campground or RV park has a restaurant, bar, or general store on the premises, and any commercial appliances like a refrigerator breaks down because of a mechanical or electrical issue, equipment breakdown insurance may cover the costs to repair or replace it, as well as any food and drink spoilage up to a specified limit. --- ### Is liquor liability coverage necessary for campgrounds and RV parks? - Published: 2021-10-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-liquor-liability-coverage-necessary-for-campgrounds-and-rv-parks - FAQ Categories: Campground and RV Park Insurance If your campground or RV park has a bar or restaurant that serves alcohol on the premises, liquor liability coverage is a must-have. Any establishment or its employees involved with serving alcoholic beverages may be held liable for damages or injuries that occur if it is determined alcohol consumption is a contributing factor in any incident. Your employees must be licensed to serve alcohol by provincial liquor service and sales programs such as Smart Serve in Ontario or ProServe in Alberta.   --- ### Does campground and RV park insurance cover damages to boats or other equipment visitors rent? - Published: 2021-10-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-campground-and-rv-park-insurance-cover-damages-to-boats-or-other-equipment-visitors-rent - FAQ Categories: Campground and RV Park Insurance If one of your guests accidentally damages a boat or other item they rented from you, your commercial property coverage may cover the costs of repairing or replacing it. --- ### Is equipment breakdown coverage necessary for bars and pubs? - Published: 2021-10-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-equipment-breakdown-coverage-necessary-for-bars-and-pubs - FAQ Categories: Bar Insurance Yes. Including equipment breakdown coverage in your bar and pub insurance policy helps protect you against expenses associated with malfunctioning or broken refrigerators, freezers, air conditioners and other major appliances or equipment. In addition, this type of coverage may pay for repairing or replacing the equipment, as well as any food and drink spoilage up to a specified limit. --- ### Does a bar and pub insurance policy provide coverage for theft by an employee or customer? - Published: 2021-10-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-a-bar-and-pub-insurance-policy-provide-coverage-for-theft-by-an-employee-or-customer - FAQ Categories: Bar Insurance Commercial property coverage protects you from theft by a customer or unknown person by forcible means such as a break-and-enter. Meanwhile, commercial crime insurance protects against theft by employees, including any losses resulting from forgery or computer fraud. --- ### Is liquor liability insurance required for bars and pubs? - Published: 2021-10-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-liquor-liability-insurance-required-for-bars-and-pubs - FAQ Categories: Bar Insurance Yes. Any establishment that serves alcoholic beverages is required to have liquor liability insurance. You can be held liable if you serve alcohol to a customer who causes an accident or is injured, and alcohol is deemed to be a contributing factor. Your employees are also required to ensure that they do not serve alcohol to patrons who are beyond the point of intoxication, which can be challenging to monitor --- ### Is additional coverage required for some film productions? - Published: 2021-09-27 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-additional-coverage-required-for-some-film-productions - FAQ Categories: Film Production Insurance Yes, for specific projects, filmmakers may require equipment or enter into scenarios that aren’t covered by a standard policy. These typically come with additional risks that not all brokers can cover. Be sure to let your broker know the details of your film projects so that you have sufficient coverage. Here are some examples that would require additional coverage:  Pyrotechnics (such as the use of explosions or fire) Aerial filming using helicopters, balloons or gliders Animals on set Weaponry used onset (such as live ammunition) Water and underwater scenes --- ### What’s the difference between short-term and long-term film insurance? - Published: 2021-09-27 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/whats-the-difference-between-short-term-and-long-term-film-insurance - FAQ Categories: Film Production Insurance Short-term film insurance generally covers you on a per-project basis. This type of insurance is helpful if you’re creating a one-off production or occasionally filming rather than consistently. Meanwhile, long-term film insurance is better if you shoot films frequently at multiple locations and require coverage on an annual basis rather than by the project. --- ### Will film production insurance provide coverage on different sets or locations? - Published: 2021-09-27 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-film-production-insurance-provide-coverage-on-different-sets-or-locations - FAQ Categories: Film Production Insurance Yes. Film production insurance includes liability and property coverage wherever you are working in Canada. Therefore, it’s vital to tell your broker where the film locations are to ensure you’re adequately covered. --- ### Does my insurance cover soap products sold on third-party marketplaces? - Published: 2021-09-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-insurance-cover-soap-products-sold-on-third-party-marketplaces - FAQ Categories: Soap Maker Insurance Yes, absolutely. Your Soap Maker Insurance can cover your business should you sell soaps in-person, on your own website, or on third-party websites (e. g. Amazon, Etsy). --- ### Will Soap Makers Insurance cover other products that I sell? - Published: 2021-09-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-soap-makers-insurance-cover-other-products-that-i-sell - FAQ Categories: Soap Maker Insurance Yes, other products may be covered under your Soap Maker Insurance policy. Soap-related products could include lotions, cleansers, lip balms or everyday skin-care products. To ensure you are adequately covered, be sure to mention your entire product to your broker. --- ### Do I still need insurance if I just teach soap making? - Published: 2021-09-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-still-need-insurance-if-i-just-teach-soap-making - FAQ Categories: Soap Maker Insurance Yes, you will still require insurance, but some of the insurance policies will differ from those listed above (as Product Liability coverage is for selling/producing soap products). As for soap-making instructors, we recommend including Errors and Omissions Insurance as your business provides a service. --- ### Will Amazon sellers insurance cover me for all the products I sell on the Amazon Marketplace? - Published: 2021-09-22 - Modified: 2024-03-21 - URL: https://www.zensurance.com/blog/faq-items/will-amazon-sellers-insurance-cover-me-for-all-the-products-i-sell-on-the-amazon-marketplace - FAQ Categories: Amazon Insurance Yes. A customized Amazon sellers insurance package from Zensurance is designed to cover the products you sell, design, manufacture, or distribute to consumers, whether a private label seller or a professional seller. Amazon sellers insurance protects you and your business from unforeseen circumstances, including legal fees and settlements and third-party property damage and third-party bodily injury claims. --- ### How much insurance coverage do I need to sell products on Amazon? - Published: 2021-09-22 - Modified: 2024-03-21 - URL: https://www.zensurance.com/blog/faq-items/how-much-insurance-coverage-do-i-need-to-sell-products-on-amazon - FAQ Categories: Amazon Insurance Amazon requires all sellers to carry liability insurance if they earn $10,000 in monthly sales with a policy that has at least $1 million of coverage per occurrence and in aggregate. Speak to one of our knowledgeable brokers if you have any questions. --- ### What is a ‘Certificate of Insurance’ for vendors? - Published: 2021-09-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-a-certificate-of-insurance-for-vendors - FAQ Categories: Vendor Insurance A Certificate of Insurance is a document that provides evidence of active insurance coverages and the limits. These certificates help event organizers quickly confirm that a vendor is compliant with the event’s insurance requirements. --- ### Does my Vendor Insurance policy cover multiple locations and venues? - Published: 2021-09-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-vendor-insurance-policy-cover-multiple-locations-and-venues - FAQ Categories: Vendor Insurance Yes. Vendor Insurance will cover your business wherever you operate in Canada. --- ### How much Vendor Liability Insurance do I need? - Published: 2021-09-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-much-vendor-liability-insurance-do-i-need - FAQ Categories: Vendor Insurance Most venues require vendors to hold Liability Insurance, but the minimum coverage limits vary. You need to protect your business against the risks that you wouldn’t be able to afford out of pocket, so it’s strongly recommended to focus on the coverage you need rather than the amount of coverage that’s mandatory. --- ### Is Contractor Tool Cover Insurance worth it? - Published: 2021-09-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-contractor-tools-insurance-worth-it - FAQ Categories: Tools & Equipment Insurance Yes - Chances are, all of your projects rely on specific tools and equipment to get the job done. There’s always a risk that an item could be damaged, lost, or stolen even with every precaution taken. It’s necessary to safeguard essential equipment with tool cover insurance to prevent a costly replacement and a delayed project. --- ### Can I purchase a standalone Tools and Equipment Insurance policy? - Published: 2021-09-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/can-i-purchase-a-standalone-tools-and-equipment-insurance-policy - FAQ Categories: Tools & Equipment Insurance Yes, you can, but typically, Tools and Equipment Insurance is part of a policy package to ensure your business is covered for other business risks. Other coverages frequently purchased with  Tools and Equipment Insurance are; Commercial General Liability, Professional Liability Insurance, and Professional Liability.   --- ### What is the difference between Commercial Property Insurance and Tool Insurance? - Published: 2021-09-08 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-commercial-property-insurance-and-tool-insurance - FAQ Categories: Tools & Equipment Insurance Commercial Property Insurance covers commercial property (owned or leased), and the physical contents within that property should it be damaged or lost due to an event such as fire, theft, or vandalism. Tool and Equipment insurance offers similar property coverage, but it’s explicitly intended for construction and trade contractors looking to protect their tools and equipment often used in different locations. --- ### Do I have to get liability insurance from a physiotherapy association? - Published: 2021-08-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-have-to-get-liability-insurance-from-a-physiotherapy-association - FAQ Categories: Physiotherapy Insurance No, it's not mandatory to purchase insurance through an association. Organizations such as the Canadian Physiotherapy Association offer support for physiotherapists and often include some insurance as part of their membership package. It's a good idea to shop around for insurance and see if other coverage is more suitable for your business. --- ### What is the required insurance coverage limit for physiotherapists? - Published: 2021-08-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-required-insurance-coverage-limit-for-physiotherapists - FAQ Categories: Physiotherapy Insurance Each Canadian province requires a different amount of coverage, with many provinces requiring a minimum of $5,000,000 in Liability Insurance (also known as Medical Malpractice Insurance). As a minimum limit, this amount may not be sufficient, depending on the size of your business. To ensure you're adequately covered, work with an insurance broker on determining the right amount of coverage. --- ### Does Physiotherapy Insurance cover my clinic? - Published: 2021-08-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-physiotherapy-insurance-cover-my-clinic - FAQ Categories: Physiotherapy Insurance Yes, whether you own your clinic or rent, your clinic and employees can be covered by Physiotherapy Insurance. There are two coverages to consider. Firstly, Commercial General Liability Insurance can protect your clinic from third-party risks during day-to-day business operations, such as accidental injury. Secondly, Commercial Property Insurance can protect your physiotherapy clinic and the contents you own should an insured event occur, such as a fire, theft, flood or vandalism. --- ### What types of drones can you cover? - Published: 2021-08-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-types-of-drones-can-you-cover - FAQ Categories: Drone Insurance We can provide coverage for commercial drones used for things like photography, video or inspection purposes. Unfortunately, we can not cover personal or recreational drones or drones used for delivery or cargo. --- ### Does my drone liability insurance cover all of the areas that I fly? - Published: 2021-08-24 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-drone-liability-insurance-cover-all-of-the-areas-that-i-fly - FAQ Categories: Drone Insurance Your drone liability insurance coverage will not cover all locations due to the risks involved. Be sure to specify the areas you’ll require coverage with your broker to ensure you’re covered adequately. --- ### Do I need separate liability insurance for my drone? - Published: 2021-08-24 - Modified: 2023-03-28 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-separate-liability-insurance-for-my-drone - FAQ Categories: Drone Insurance Yes. Most general liability policies exclude coverage for aircraft or unmanned aerial vehicles (UAVs) like drones. You need drone liability insurance as additional coverage for your business for a UAV. --- ### Are insurance coverages the same for home office vs. commercial office? - Published: 2021-07-29 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-insurance-coverages-the-same-for-home-office-vs-commercial-office - FAQ Categories: Office Insurance In short, yes – you'd be covered for third-party liability and business-owned property – but you may require less coverage for certain aspects. Some home-based business owners assume their home insurance can protect their business activities. In reality, many homeowner's policies exclude business-related claims or do not have adequate coverage, so it's crucial to have business-specific coverage for your home office. --- ### Does my office insurance cover employee injuries? - Published: 2021-07-29 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-office-insurance-cover-employee-injuries - FAQ Categories: Office Insurance No, your Office Insurance policy would only cover you for bodily injury to a third party such as a customer. If you run a business in Canada, chances are you'll need to register your business with your provincial Workers' Compensation Board (WCB) and pay compensation insurance. WCB should cover an employee should they experience a work-related injury or illness. --- ### If I'm renting an office, do I need tenant office insurance? - Published: 2021-07-29 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-im-renting-an-office-do-i-need-tenant-office-insurance - FAQ Categories: Office Insurance Yes, it's essential to have insurance coverage even if you're renting or leasing an office. In many cases, landlords require tenant office insurance before leasing commercial space to them. --- ### Do Psychology Intern/Students need to carry insurance? - Published: 2021-07-13 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-psychology-intern-students-need-to-carry-insurance - FAQ Categories: Psychologist Insurance Yes, it's strongly advised that students and intern psychologists carry Professional Liability Insurance. Interns are still learning, and it's more likely to make mistakes during those developmental years. Having insurance will protect against alleged negligence and professional errors, similar to licensed psychologists. --- ### Do I have to get insurance from a psychology association? - Published: 2021-07-13 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-have-to-get-insurance-from-a-psychology-association - FAQ Categories: Psychologist Insurance No, though some associations (e. g. CPA) may offer insurance policies as part of a benefit of their membership. It is advised to do your research and speak to an expert insurance broker to ensure that your specific business needs are met. --- ### What is the minimum amount of professional liability insurance coverage psychologists need to have? - Published: 2021-07-13 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-minimum-amount-of-professional-liability-insurance-coverage-psychologists-need-to-have - FAQ Categories: Psychologist Insurance There isn't a minimum requirement; however, it is recommended to carry at least $1 million in Professional Liability coverage. What's important is that you're covered for the risks that you couldn't afford to pay out of pocket, should a lawsuit be brought against your practice. --- ### Are Life Insurance Agents required to carry E&O insurance? - Published: 2021-07-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-life-insurance-agents-required-to-carry-eo-insurance - FAQ Categories: Life Agents Insurance Yes, in Canada, E&O Insurance is mandatory for Life Insurance Agents. You’ll need to get E&O insurance before you can apply for your licence to sell life insurance. --- ### What is the minimum E&O coverage requirement for Life Insurance Agents? - Published: 2021-07-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-minimum-eo-coverage-requirement-for-life-insurance-agents - FAQ Categories: Life Agents Insurance Provinces have different minimums for E&O coverage, so check with your broker if you need confirmation on the coverage requirements. In Ontario, for example, you must have a minimum of $1,000,000 coverage per occurrence, with extended coverage for fraudulent acts. --- ### What are the consequences of not having the required E&O insurance coverage? - Published: 2021-07-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-consequences-of-not-having-the-required-eo-insurance-coverage - FAQ Categories: Life Agents Insurance If you fail to hold an active E&O insurance policy, it can result in consequences such as an administrative monetary penalty or a revocation or suspension of your licence to sell life insurance. --- ### What are the insurance requirements for home inspectors? - Published: 2021-06-25 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-insurance-requirements-for-home-inspectors - FAQ Categories: Home Inspector Insurance Some provinces in Canada (e. g. Ontario) require home inspectors by law to carry both Errors and Omissions and Commercial General Liability Insurance. There are minimum monetary limits for both coverages, though it may be likely you’ll need higher amounts to be adequately covered. Even in provinces where it’s not mandatory to carry insurance, the risks that come with being a home inspector aren’t eliminated. Therefore, Home Inspection Insurance should be part of your risk assessment strategy wherever you live in Canada. --- ### If I operate a home inspection company, does my policy cover my employees? - Published: 2021-06-25 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-operate-a-home-inspection-company-does-my-policy-cover-my-employees - FAQ Categories: Home Inspector Insurance Yes, employees may be covered by your home inspection insurance policy. However, your policy limit typically applies to all employees under your policy rather than individual employees. In addition, you will have the option to increase your limit to ensure your team is adequately covered. For more information, speak with a broker about the size of your business, and they’ll help to educate you on how much insurance you’ll need. --- ### Can a home inspector be sued? - Published: 2021-06-25 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/can-a-home-inspector-be-sued - FAQ Categories: Home Inspector Insurance Yes – home inspectors have a duty to perform their job to industry standards. Prospective buyers rely on the accuracy of an inspection report when putting in an offer or deciding to walk away from a purchase. If a home inspector makes errors or causes property damage, they can be found liable. --- ### Are subcontractors covered in my Oil and Gas Insurance policy? - Published: 2021-06-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-subcontractors-covered-in-my-oil-and-gas-insurance-policy - FAQ Categories: Oil and Gas Insurance No, subcontractors aren’t covered, but all employees are. However, your policy limit typically applies to all employees under your policy rather than individual employees. You have the option to increase your limit to accommodate your entire staff, or, alternatively, you can ask them to carry their own Liability Insurance. --- ### Does my insurance policy cover multiple oil and gas job sites? - Published: 2021-06-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-insurance-policy-cover-multiple-oil-and-gas-job-sites - FAQ Categories: Oil and Gas Insurance Yes, your insurance policy will cover the various oil and gas sites that you are contracted to work. If you’re providing services at multiple locations, let your broker know to ensure your coverage limits are adequate. --- ### Does Oil and Gas Consultant Insurance provide coverage for oil transportation? - Published: 2021-06-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-oil-and-gas-consultant-insurance-provide-coverage-for-oil-transportation - FAQ Categories: Oil and Gas Insurance Unfortunately, we do not provide insurance for any upstream production or downstream transportation of oil.   We are only able to provide insurance for Oil and Gas consultants who provide consultancy services. --- ### Will sole proprietorship insurance cover if I get injured? - Published: 2021-06-22 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-sole-proprietorship-insurance-cover-if-i-get-injured - FAQ Categories: Sole Proprietorship Insurance No – Sole Proprietorship Insurance only covers claims alleging third-party bodily injuries or property damages. If you or your employees get injured from a business-related incident, this will not be covered under this policy. --- ### Does my business have to be registered to get liability insurance? - Published: 2021-06-22 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-business-have-to-be-registered-to-get-liability-insurance - FAQ Categories: Sole Proprietorship Insurance Yes - to qualify to get liability insurance, most businesses will need to be registered. However, some companies in specific industries may not need to have a license in advance. Speak with a broker to find out if your business is required to be registered. --- ### Do I need insurance as a sole proprietorship business? - Published: 2021-06-22 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-insurance-as-a-sole-proprietorship-business - FAQ Categories: Sole Proprietorship Insurance Yes - even the smallest, one-person businesses should obtain liability insurance. There are risks that all businesses face that can threaten the survival of their operations if legal matters are pursued. Therefore, insurance is essential as part of your risk management strategy. --- ### Does my Life Coach Insurance extend coverage if I work in different provinces? - Published: 2021-06-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-life-coach-insurance-extend-coverage-if-i-work-in-different-provinces - FAQ Categories: Life Coach Insurance Yes, your Life Coach Insurance (i. e. Professional Liability Insurance) will cover your business activities throughout Canada. --- ### Will Life Coach Insurance cover all different types of coaching? - Published: 2021-06-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-life-coach-insurance-cover-all-different-types-of-coaching - FAQ Categories: Life Coach Insurance Yes, Life Coach Insurance can provide coverage for all different types of personal development coaching, including, but not limited to, business coach, holistic life coach, executive coach, health coach and nutrition coach. --- ### Does Life Coach Insurance cover employees while in training? - Published: 2021-06-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-life-coach-insurance-cover-employees-while-in-training - FAQ Categories: Life Coach Insurance Yes, insurance may cover the liability of full-time employees, including apprentices in training. However, your policy limit will apply to all employees rather than each individual. To make sure you're sufficiently covered, you have the option to increase your limit. Alternatively, you can ask employees to carry their own insurance. --- ### Will my malpractice insurance cover me for other services that I provide? - Published: 2021-06-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-malpractice-insurance-cover-me-for-other-services-that-i-provide - FAQ Categories: Chiropractor Malpractice Insurance Yes, malpractice insurance could provide coverage beyond your chiropractic services if you offer other related services. Some examples of additional services are acupuncture, massage therapy and physiotherapy. To ensure you have adequate coverage, make sure you disclose these additional services to your insurance broker. --- ### How much malpractice insurance should a chiropractor have? - Published: 2021-06-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-much-malpractice-insurance-should-a-chiropractor-have - FAQ Categories: Chiropractor Malpractice Insurance Each province requires a different minimum limit within Canada, starting about $1,000,000 in coverage limit and up to $3,000,000 for larger businesses. However, as this is a minimum limit, this amount may not be sufficient, depending on the size of your business. Work with an insurance broker to ensure your business is adequately covered. --- ### Do I have to get chiropractor malpractice insurance from a regulatory association (e.g. CCPA)? - Published: 2021-06-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-have-to-get-chiropractor-malpractice-insurance-from-a-regulatory-association-e-g-ccpa - FAQ Categories: Chiropractor Malpractice Insurance No, it’s not mandatory to purchase insurance through a regulatory association. Organizations such as CCPA (Canadian Chiropractic Protective Association) support chiropractic health care professionals and may include some insurance coverage as part of their membership package. --- ### If I sell candles as a part-time business at home, will my home insurance cover it? - Published: 2021-06-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-sell-candles-as-a-part-time-business-at-home-will-my-home-insurance-cover-it - FAQ Categories: Candle Maker Insurance To be fully protected, you’ll likely need commercial property and product liability insurance. Your home insurance won’t cover you for product-based risks, which is a core liability when selling candles. Also, your home insurance may cover some business property stored at your home, but this may not extend to specialized equipment or merchandise. --- ### Will my insurance premium rise if I sell candles with wicks? - Published: 2021-06-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-insurance-premium-rise-if-i-sell-candles-with-wicks - FAQ Categories: Candle Maker Insurance Selling candles with wicks or any other ignitible candle-related product can increase the likelihood of specific risks such as a fire. There is a chance you may have a higher premium than someone who solely sells flameless candles (e. g. wax melts). That said, many other factors are taken into consideration when calculating the total cost of your Candle Maker Insurance policy. --- ### Should I still get insurance if I sell candles online on third-party marketplaces? (e.g, Etsy, Amazon) - Published: 2021-06-09 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/should-i-still-get-insurance-if-i-sell-candles-online-on-third-party-marketplaces-e-g-etsy-amazon - FAQ Categories: Candle Maker Insurance Yes – regardless of whether you have a store full of candles or sell candles through an online marketplace, you're liable for the same risks as if you sold directly to customers without a third party. Our insurance policies consider your specific business requirements, so you'll be covered for what you need and nothing you don't.     --- ### Will my insurance policy cover all phases of the engineering project? - Published: 2021-05-31 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-insurance-policy-cover-all-phases-of-the-engineering-project - FAQ Categories: Engineer Insurance Yes. While you (or one of your employees) are working on the project, you will be covered by your insurance policy.   However, it is best to discuss with your broker the specific details of the different phases of your engineering project. --- ### Does my policy cover engineers in training? - Published: 2021-05-31 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-policy-cover-engineers-in-training - FAQ Categories: Engineer Insurance Yes.   Engineers-in-training would also be covered under your policy. Please note, your policy limit typically applies to all employees under your policy rather than each individual employee. You can increase your limit, or ask employees to hold their own coverage. --- ### Does Engineering Insurance cover all types of engineers? - Published: 2021-05-31 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-engineering-insurance-cover-all-types-of-engineers - FAQ Categories: Engineer Insurance Yes.   Engineering Insurance combines several insurance policies to provide comprehensive coverage that’s right for your business. Our brokers will work with you to understand your unique risks. This will ensure you’re covered for what you need and you’re not paying for policies that don’t apply to your business.   --- ### If I sell roof shingles to my clients, will this be covered in my roofing insurance policy? - Published: 2021-05-18 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/if-i-sell-roof-shingles-to-my-clients-will-this-be-covered-in-my-roofing-insurance-policy - FAQ Categories: Roofing Insurance If you sell any products as an extension to your general roofing services, then adding a Product Liability Insurance policy is recommended. Product Liability Insurance provides financial coverage for third-party property damages or injury resulting from the product you sold. --- ### Is roofing insurance legally required by law? - Published: 2021-05-18 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-roofing-insurance-legally-required-by-law - FAQ Categories: Roofing Insurance No, roofing contractors are not legally obligated to carry insurance to operate their business in Canada. However, most property owners will expect contractors to have a general liability insurance policy before hiring for the project. --- ### Does my insurance policy cover multiple properties that I manage? - Published: 2021-05-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-insurance-policy-cover-multiple-properties-that-i-manage - FAQ Categories: Property Management Insurance Yes, your insurance policy will typically extend coverage to multiple properties managed by your business. However, you will need to disclose this information to your insurance broker, as it will be factored into your insurance premium.   --- ### Does my insurance policy cover sub-contractors? - Published: 2021-04-26 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-insurance-policy-cover-sub-contractors - FAQ Categories: Roofing Insurance, Subcontractor Most insurance policies only cover full-time employees of the business and typically exclude subcontractors. Coverage extensions for subcontractors can be added to your existing policy if needed. For subcontractors, it is recommended you purchase your own liability insurance to protect yourself across multiple work sites. --- ### Can I purchase a standalone Legal Expense policy? - Published: 2020-12-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/can-i-purchase-a-standalone-legal-expense-policy - FAQ Categories: Legal Expense Insurance Legal Expense Insurance is a standalone policy designed to help business owners navigate legal situations. When used in conjunction with Directors & Officers Insurance, Errors & Omissions Insurance, and Commercial General Liability Insurance provides comprehensive legal support should your business be named in a lawsuit. --- ### Who do I call to obtain legal advice? - Published: 2020-12-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/who-do-i-call-to-obtain-legal-advice - FAQ Categories: Legal Expense Insurance Legal expense policyholders will have a phone number listed within the insurance documents that will direct them to the proper legal team for assistance. --- ### Is Legal Expense Insurance mandatory? - Published: 2020-12-23 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-legal-expense-insurance-mandatory - FAQ Categories: Legal Expense Insurance Legal Expense Insurance is not mandatory to operate your business, but as a busy business owner, it could save you a tremendous amount of time and financial resources in the event that you require legal assistance. --- ### What is the difference between property Insurance and builder's risk insurance? - Published: 2020-12-18 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-property-insurance-and-builders-risk-insurance - FAQ Categories: Builders risk insurance Builder's Risk Insurance is a specialtypeof Property Insurance covering you for the duration of your new build or renovation project. It may protect buildings under construction, materials on-site, and liability in the event of loss or damage due to external causes such as fire, wind, vandalism, explosion, and slip and falls. --- ### Does Commercial Property Insurance cover vacant properties? - Published: 2020-11-27 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-commercial-property-insurance-cover-vacant-properties - FAQ Categories: Commercial Property Non-residential property is considered vacant after 30 days and seen as high-risk. When your property is vacant or unoccupied for a prolonged period, it is more susceptible to property damages, such as theft and vandalism, which may affect how your insurer would handle a claim. As a result, your insurer may remove some key coverages from your policy (e. g. , vandalism-related property damages) after 30 days of being vacant.   Please speak to our brokers to better understand the restrictions around commercial property vacancy. --- ### What is the difference between All-Risk and Named Peril insurance coverage? - Published: 2020-11-27 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-all-risk-and-named-peril-insurance-coverage - FAQ Categories: Commercial Property As the name suggests, All-Risk insurance coverage covers all losses unless otherwise specified. Named Peril policies only cover risks listed explicitly in the policy, with all others assumed to be excluded. You can add additional coverage to your policy as a rider in both cases. --- ### Who is considered third-party? - Published: 2020-11-20 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/who-is-considered-third-party - FAQ Categories: Gen Liability 2 As a business owner, if you come into contact with any third parties, including clients, vendors, and other businesses, who may be involved in an accident or claim your business caused them loss or damage. This definition of a third party does not include your employees or sub-contractors for coverage purposes.   --- ### What is Errors and Omissions Insurance? - Published: 2020-10-28 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-errors-and-omissions-insurance Errors and Omissions Insurance (E&O), also referred to as Professional Liability Insurance, provides financial protection for professionals against claims and lawsuits alleging negligence or failure to deliver a service or product as promised. --- ### How is a business interruption claim calculated? - Published: 2020-10-27 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-is-a-business-interruption-claim-calculated - FAQ Categories: Business Interruption Different types of Business Interruption coverage will determine how payout is calculated. Most policies cover reimbursement for profits your business would have earned based on the prior month’s performance, in addition to extra expenses beyond fixed costs. Employee wages, taxes, and loan payments may also be taken into account. --- ### Can you get Business Interruption Insurance as a standalone policy? - Published: 2020-10-27 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/can-you-get-business-interruption-insurance-as-a-standalone-policy - FAQ Categories: Business Interruption Business Interruption Insurance is typically included in a commercial property insurance policy or business owner’s policy (BOP). You can add it to an existing policy as a rider. --- ### Does Business Interruption Insurance cover pandemic (e.g., COVID-19) related closures? - Published: 2020-10-27 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-business-interruption-insurance-cover-pandemic-e-g-covid-19-related-closures - FAQ Categories: Business Interruption Standard business interruption insurance provides coverage for damages sustained due to direct physical loss or damage, such as a fire. Unfortunately, it will not cover income lost or barriers to trade and travel due to a pandemic, infectious disease, or government-mandated closure. --- ### What type of insurance coverage does an on-site private tutor need? - Published: 2020-08-28 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-type-of-insurance-coverage-does-an-on-site-private-tutor-need - FAQ Categories: Tutor Insurance Tutors providing services in a client's home or a learning pod environment require additional coverage to protect themselves against claims or lawsuits alleging negligence or property damage. The most common coverages for tutors working on-site are: Professional Liability Insurance, which covers allegations alleging malpractice, neglect, or failure to deliver a service as promised. Commercial General Liability Insurance, which covers lawsuits alleging bodily injury or property damage as a result of your business operations.   --- ### Does tutor insurance cover learning pods? - Published: 2020-08-28 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-tutor-insurance-cover-learning-pods - FAQ Categories: Tutor Insurance Yes, tutor insurance provides coverage for tutors offering private/semi-private education in learning pods and micro-schools.   --- ### Do non-profit Directors and Officers have the same responsibilities as corporate board members? - Published: 2020-08-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-non-profit-directors-and-officers-have-the-same-responsibilities-as-corporate-board-members - FAQ Categories: Non-profit Yes, both corporate and non-profit board and advisory members are required to exercise their fiduciary duties in the best interest of the business or organization. Board members have a responsibility to uphold the three levels of fiduciary duty: duty of care, duty of loyalty, and duty of obedience. While a shield law may protect a board or advisory group, individual members can be held personally liable for breach of these duties in both corporate and nonprofit settings. --- ### What is the difference between public liability insurance and general liability insurance? - Published: 2020-08-14 - Modified: 2022-11-04 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-public-liability-insurance-and-commercial-general-liability-insurance - FAQ Categories: Gen Liability 2, Non-profit The primary difference between Public Liability Insurance and Commercial General Liability (CGL) insurance is the risks they cover. Public Liability Insurance provides financial coverage against the public's claims against your business for personal injury or property damage. CGL is a more accessible form of insurance that provides a more extensive range, covering personal and advertising injuries and everything public liability covers. --- ### Does Non-Profit Insurance cover volunteers? - Published: 2020-08-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-non-profit-insurance-cover-volunteers - FAQ Categories: Non-profit Not all non-profit insurance policies automatically include coverage for volunteers. The level of risk varies across roles (i. e. administrative vs. frontline) and may require different coverage levels. Review your policy with a broker to understand whether or not your coverage extends to those donating their time to your organization. --- ### What is the cancellation policy? - Published: 2020-05-25 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-cancellation-policy Many policies can be canceled with a small early cancellation fee. Though some policies (typically those under $500) are non-refundable. Your policy document will have full details. Note that once you cancel your policy, you may no longer have coverage against any potential claims. There are a few things to pay attention to regarding early cancellations of your policy. 1. Minimum retained. This is the minimum amount you owe, regardless of when you cancel. This is usually 20-40% of the total policy premium, which represents something like 3-4 months out of the year. So if you have a $1,000 policy, and the minimum retained is 25%, you owe $250 even if you cancel 1 day after the policy was issued. Check your policy document for your minimum retained amount. 2. Fees. Any fees charged along with your policy are almost always non-refundable. So you don't get any of this back if you cancel early. 3. Short rate calculation. This is fee is charged by the insurance company in case you cancel your policy before the end of the term. This is usually 5-10% of your premium, depending on the type of policy and the insurance company you are with. If you would like to cancel your policy, please email us at support@zensurance. com and include the following information: Your full company name The date on which you wish to cancel your policy The reason you need to cancel your policy Your dedicated Account Representative will quickly determine the amount of... --- ### Where do I go if I have a complaint? - Published: 2020-05-25 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/where-do-i-go-if-i-have-a-complaint Our goal is to provide excellent service, but we recognize that there may be occasions when you feel we could do better. We have developed a formal complaint* handling protocol in accordance with the Insurance Companies Act of Canada to ensure your concerns are addressed expeditiously by us. If you wish to file a complaint, please visit our Complaints Procedure page, which outlines the full process and requirements. --- ### Which online platforms are covered by Telehealth Insurance? - Published: 2020-04-16 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/which-online-platforms-are-covered-by-telehealth-insurance - FAQ Categories: Telehealth Insurance Telehealth Insurance provides coverage for healthcare practitioners using any platform allowing for private online video, voice calls, or online chat, such as Skype, Zoom, Google Hangouts, VSee, etc. --- ### Does my current insurance cover interruption due to COVID-19? - Published: 2020-03-13 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-current-insurance-cover-interruption-due-to-covid-19 Standard business interruption insurance will not cover income lost or barriers to trade and/or travel due to COVID-19. --- ### Is there any insurance I can purchase to cover potential loss due to COVID-19? - Published: 2020-03-13 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-there-any-insurance-i-can-purchase-to-cover-potential-loss-due-to-covid-19 Unfortunately, there are no available insurance policies that could provide protection against COVID-19. Insurance is designed to protect you against unknown causes, unfortunately, COVID-19 is something that is known to exist and is the cause of many disruptions. --- ### What are the different types of liability insurance? - Published: 2020-02-18 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-different-types-of-liability-insurance - FAQ Categories: FAQ-Liability-Explained-2 Liability insurance is an umbrella term that refers to coverage for costs associated with third-party liability issues, such as property damage or bodily injury. The most common liability insurance coverages include: Commercial general liability insurance, which protects you from the most common risks you may encounter in your day-to-day business operations, such as third-party property damage and bodily injury. Professional liability insurance, is a type of liability insurance that provides coverage for claims alleging negligence or failure to deliver a service as promised, resulting in financial loss. Errors and omissions insurance is a type of professional liability insurance that protects you from claims alleging a financial loss due to an error or omission on your part. Directors and officers insurance protects your board members and their assets, should a lawsuit or claim be filed against them or the company. Cyber liability insurance covers the costs associated with recovering from a cybercrime involving your technology systems and customer data. --- ### What is not covered by liability insurance? - Published: 2020-02-18 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-not-covered-by-liability-insurance - FAQ Categories: FAQ-Liability-Explained-2 When it comes to insuring your business, it is important to understand where you’re covered and where you’re not. Liability insurance provides coverage for incidents involving third parties, excluding you and your employees. It does not provide coverage for worker’s compensation, first-party property damage or bodily injury, product recall, or abuse. For more information about your policy’s limitations and restrictions, speak to your broker. --- ### How much does liability insurance cost? - Published: 2020-02-18 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-much-does-liability-insurance-cost - FAQ Categories: FAQ-Liability-Explained-2 For a typical small- to medium-sized business, you can anticipate spending approximately $650 annually on a basic commercial general liability insurance policy with a $2M limit. The amount of coverage required for your business varies, and so does the cost of your insurance premium. In the online quote application, we ask some questions about your business to gain a better understanding of your coverage needs. The following factors are taken into consideration when determining the cost of your premium: Business size and location; Years of experience; Annual and projected gross revenue; Number of employees; and, Insurance claims history. --- ### How much liability insurance coverage do I need? - Published: 2020-02-18 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-much-liability-insurance-coverage-do-i-need - FAQ Categories: FAQ-Liability-Explained, Gen Liability 1 You should purchase as much coverage as you can afford. When determining how much general liability insurance coverage to buy, consider the size of your business, your industry, and how frequently you interact with third parties, including customers, vendors, and other companies. These factors can help you identify your level of risk exposure, and depending on your profession, you may require additional coverage. For example, a contractor is more likely to be at risk for causing third-party property damage than a web designer who works from home. Speak with your broker about customizing your policy to meet your specific business needs. --- ### Do I need liability insurance? - Published: 2020-02-18 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-liability-insurance - FAQ Categories: FAQ-Liability-Explained Liability insurance is not a mandatory requirement for you to run your business. Still, it can protect you from many of the common risks you encounter in your day-to-day operations and cover costs should you be exposed to a lawsuit. When deciding whether or not to purchase liability coverage, consider your profession. For example, contractors are frequently required to provide proof of insurance before they can secure a contract. --- ### What does liability insurance cover? - Published: 2020-02-18 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-does-liability-insurance-cover - FAQ Categories: FAQ-Liability-Explained The risks you are exposed to as a business owner will vary based on the size of your operation, industry, or profession. In general, liability insurance provides coverage for another’s bodily injury, property damage, or financial loss (professional liability) due to your business operations. Regardless of fault, your liability insurance may cover the costs of legal defense, out-of-court settlements, and third-party medical expenses. --- ### I work remotely, do I need liability insurance? - Published: 2020-02-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/i-work-remotely-do-i-need-liability-insurance - FAQ Categories: FAQ-Liability-2 Yes, even if you work remotely or don’t have a physical office space, you still need liability insurance to protect you and your business from costs associated with claims or lawsuits. Liability insurance provides coverage for more than slip-and-falls and property damage; if a client is unhappy with the outcome of your service or a product you sold causes an adverse reaction, you may find yourself on the wrong side of a lawsuit. --- ### What is the difference between professional liability and commercial general liability insurance? - Published: 2020-02-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-professional-liability-and-commercial-general-liability-insurance - FAQ Categories: FAQ-Liability-2 The primary difference between professional liability and commercial general liability (CGL) insurance is the type of risks they cover. CGL covers the cost of legal and medical expenses associated with claims alleging third-party property damage or bodily injury as a result of your business operations. Professional liability insurance also referred to as errors and omissions, provides coverage for claims alleging negligence or failure to deliver a professional service as promised, which may have led to a financial loss on your client’s behalf. --- ### What is third-party liability insurance? - Published: 2020-02-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-third-party-liability-insurance - FAQ Categories: FAQ-Liability-2 When it comes to liability insurance, it is important to understand who is covered if a liability lawsuit or claim brought against you or your business. Third-party liability insurance is coverage that protects you against costs associated with lawsuits or claims alleging bodily injury or property damage to another person, client, vendor, or business (the third party). You and your business are considered first-party, and a liability insurance policy will not cover injuries or property damage to yourself or your employees. --- ### Do independent contractors need liability insurance? - Published: 2020-02-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-independent-contractors-need-liability-insurance - FAQ Categories: FAQ-Liability As an independent or freelance contractor, you are exposed to many of the same risks as a larger company. Liability insurance provides coverage for costs associated with lawsuits or claims brought against you or your business. When determining what type of liability insurance, you need to protect your business, consider your profession. For example, an independent accountant and snow removal contractor both require insurance, but the type and amount of coverage they need vary based on the risks specific to their profession. --- ### How do I get liability insurance? - Published: 2020-02-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-do-i-get-liability-insurance - FAQ Categories: FAQ-Liability We’ve made purchasing liability insurance for your business a quick and easy process. With our simple-to-use online platform, you can get a free, customized business quote in under thirty minutes. Have questions about what coverage or policy is best for you? Please speak to one of our dedicated brokers about customizing your insurance policy to meet your unique business needs. --- ### Is liability insurance mandatory? - Published: 2020-02-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-liability-insurance-mandatory - FAQ Categories: FAQ-Liability Liability insurance is not mandatory to operate your business, but as a business owner, you may be at a higher exposure to risk than the average person. A liability incident could take seconds to occur, and months for you to recover. Should it happen to you, it’s best to be prepared to cover costly legal expenses that may potentially threaten the survival of your business. --- ### Does business insurance cover personal use? - Published: 2019-11-13 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-business-insurance-cover-personal-use - FAQ Categories: Business Insurance Generally speaking, business insurance does not cover personal use, meaning you cannot replace home insurance with business insurance. However, there are exceptions. If you operate your business from home, you can protect this space with business property insurance. If you use your vehicle for business purposes, it may be covered under your commercial auto insurance policy. However, home insurance does not typically cover the physical assets associated with your business, such as stock or inventory, or liability issues that occur in your homes, such as a slip and fall injury. It can be confusing, which is why we recommend speaking with a broker to understand the limitations and restrictions of your business insurance policy. To protect both your home and business, consider keeping business separate from your personal life by protecting your assets with a business insurance policy and home insurance policy. --- ### What are the most common coverage that I should opt to include by business insurance policy? - Published: 2019-09-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-most-common-coverage-that-i-should-opt-to-include-by-business-insurance-policy - FAQ Categories: Home based business insurance Coverage requirements may differ for different industries. The most basic insurance policy that is applicable to almost all businesses is commercial general liability, which provides protection from third-party related risks. If you provide a service or advice, consider adding professional liability insurance to your policy. If you own expensive equipment and assets, consider contents coverage and equipment breakdown coverage. Legal expenses coverage may also come in handy if you require legal counsel or defense. --- ### Does my homeowner’s policy cover disasters that occur due to business equipment failure? - Published: 2019-09-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-homeowners-policy-cover-disasters-that-occur-due-to-business-equipment-failure - FAQ Categories: Home based business insurance Most homeowner’s policies do not cover any damages to your home that result from business-related activity and property, but go over your policy to ensure that it’s the case for you. For example, if you run a catering business and one of your equipment caused a fire to start at your property, any resulting damages may not be covered by your home insurance policy. --- ### What is the difference between General Liability Insurance and Home Based Business Insurance? - Published: 2019-09-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-general-liability-insurance-and-home-based-business-insurance - FAQ Categories: Home based business insurance General liability insurance is a specific insurance policy that covers injury and damage to third-parties, while home-based business insurance is an umbrella term that may include several different insurance policies such as general liability, professional liability, legal expense, contents coverage, etc, bundled into a package specially curated for businesses that operate out of the owner’s home. --- ### Do I need a builders risk policy if I already have contractors insurance? - Published: 2019-09-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-a-builders-risk-policy-if-i-already-have-contractors-insurance - FAQ Categories: Builders risk insurance Yes. A typical contractor's insurance policy does not cover buildings under construction. It is essential to cover your building and liability while the project is in process. --- ### Is Product Liability Insurance legally mandatory for retail and e-commerce stores? - Published: 2019-09-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-product-liability-insurance-legally-mandatory-for-retail-and-e-commerce-stores - FAQ Categories: Product liability insurance In most industries, product liability insurance is not mandatory, however, it is strongly recommended, especially if you sell items that could easily result in claims. For example, food items may lead to food poisoning. Clothing items may also lead to skin reactions. --- ### Does Product Liability Coverage cover damages to my stock and inventory? - Published: 2019-09-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-product-liability-coverage-cover-damages-to-my-stock-and-inventory - FAQ Categories: Esthetician Insurance, Product liability insurance No. All forms of liability insurance only cover damages to a third-party. Injuries to you and your employees, and damages to your assets, including stock and inventory, are not covered under Product Liability Insurance. --- ### What is the difference between Product Liability Insurance and General Liability Insurance? - Published: 2019-09-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-product-liability-insurance-and-general-liability-insurance - FAQ Categories: Product liability insurance General Liability Insurance provides protection in a wide range of cases where a third-party suffers injury or property damage either on your premises, or you or your employees cause damages on the third-party’s premises. Product liability only extends as far as such damages being caused by a product that you sold or manufactured. For example, if a customer were to be injured due to a slip n’ fall at your store, any subsequent insurance claim may be covered by general liability but not product liability. --- ### What sort of equipment requires equipment breakdown insurance? - Published: 2019-09-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-sort-of-equipment-requires-equipment-breakdown-insurance - FAQ Categories: Equipment Breakdown Insurance Equipment breakdown insurance applies to a broad range of machinery and equipment crucial to your business operations. It provides financial support for your equipment that malfunctions because of electrical or mechanical damage. That may include machinery such as air conditioning and refrigeration, boiler and pressure vessels, computers, production systems, and renewable and alternative energy equipment. --- ### Do I need equipment breakdown coverage if I already have warranty on my equipment? - Published: 2019-09-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-equipment-breakdown-coverage-if-i-already-have-warranty-on-my-equipment - FAQ Categories: Equipment Breakdown Insurance Review your warranty policy carefully. Whether your equipment came with a warranty when you purchased it or if you had to buy the warranty protection as an add-on, there are specific conditions under which a warranty will apply. For example, warranties often do not cover operator error, so if any damage to your equipment were caused due to the mistakes of an inexperienced employee, it would probably not be covered by your warranty. --- ### Is there a difference between equipment breakdown coverage and contents coverage? - Published: 2019-09-05 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-there-a-difference-between-equipment-breakdown-coverage-and-contents-coverage - FAQ Categories: Equipment Breakdown Insurance Yes. Content coverage will protect your property, including premises, equipment, machinery, and computers in cases of damage due to external factors such as fire, flood, water damage or weather-related events. Unfortunately, any spontaneous electrical or mechanical breakdowns or those caused by operator error will not be protected by your content coverage. An equipment breakdown policy, however, may protect you in such cases. --- ### Do I need malpractice insurance in addition to professional indemnity insurance? - Published: 2019-09-04 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-malpractice-insurance-in-addition-to-professional-indemnity-insurance - FAQ Categories: Professional Indemnity Insurance Malpractice insurance and professional indemnity insurance provide the same coverage. In some industries, such as law and medical services, malpractice insurance is a more common term than professional indemnity coverage. Regardless of what you call it, professional indemnity/malpractice insurance is essential for any business that provides a service or advice. --- ### Does professional indemnity insurance also provide coverage for professional tools I use for work? - Published: 2019-09-04 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-professional-indemnity-insurance-also-provide-coverage-for-professional-tools-i-use-for-work - FAQ Categories: Professional Indemnity Insurance No. Professional Indemnity only covers losses to third parties caused by errors or omissions in your advice or service. Professional Indemnity Insurance will not cover tools or equipment you use for work. If your business utilizes expensive tools and equipment, consider adding Tools and Equipment Coverage to your business insurance policy. --- ### What is the difference between professional indemnity insurance and professional liability insurance? - Published: 2019-09-04 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-professional-indemnity-insurance-and-professional-liability-insurance - FAQ Categories: Professional Indemnity Insurance There is no difference between the two in Canada; however, Professional Indemnity Insurance is a term that is more popular overseas. In Canada, the same coverage is provided by professional liability, also often referred to as errors and omissions insurance or E&O. In some industries, such as medical services and law, it is also referred to as Malpractice Insurance. --- ### Does Public Liability provide coverage for damage to my business’s property? - Published: 2019-09-04 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-public-liability-provide-coverage-for-damage-to-my-businesss-property - FAQ Categories: Public Liability Insurance No, Public Liability Insurance is designed to protect you in claims from third-party injuries or property damage. Your property is not covered under this policy. If you own expensive property and equipment and require coverage, discuss with your broker to get Contents Coverage or Equipment Breakdown Coverage. --- ### Does Public Liability provide coverage for errors and omissions? - Published: 2019-09-04 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-public-liability-provide-coverage-for-errors-and-omissions - FAQ Categories: Public Liability Insurance No, Public Liability Insurance only provides coverage for accidental injuries and property damage to third parties. Errors and omissions in service are covered under a separate policy called Professional Liability Insurance, often referred to as Errors and Omissions Insurance. If a client were to be injured due to a service you provided, you would require Professional Liability Insurance to cover you in such a scenario. --- ### What is the difference between Public liability and Commercial General Liability? - Published: 2019-09-04 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-public-liability-and-commercial-general-liability - FAQ Categories: Public Liability Insurance There is no difference between the two in Canada. Public Liability Insurance is a term that is more popular in other countries, especially in the UK and US. In Canada, the same coverage is provided by Commercial General Liability, often simply referred to as General Liability Insurance, CGL, or Liability Insurance. --- ### Do I need salon booth rental insurance if I am renting a chair? - Published: 2019-08-21 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-salon-booth-rental-insurance-if-i-am-renting-a-chair - FAQ Categories: Esthetician Insurance, Hair Stylist Insurance You may need it because it’s possible that the salon where you are renting your chair doesn’t cover independent contractors under its policy. Check in with the salon owner to understand what coverages you are provided under their insurance policy. You can also discuss with your broker what amendments should be made to your policy to fit your specific insurance needs. --- ### What is the difference between hair salon liability insurance and professional liability insurance? - Published: 2019-08-21 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-hair-salon-booth-rental-insurance-if-i-am-renting-a-chair - FAQ Categories: Hair Stylist Insurance Professional liability insurance is a type of insurance policy designed to protect professionals who provide a service, in the event of errors or omissions in their service that harm their clients. Hair salon liability insurance (hairdresser insurance in short) is an insurance package designed to protect hair salons and hair stylists against common risks they face, and bundled in that package will be professional liability coverage, general liability coverage, contents coverage, if these are all requested by the salon owner/hair stylist. Amendments can be made if required by simply contacting your assigned broker. --- ### How much does hair stylist insurance cost? - Published: 2019-08-21 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-much-does-hair-stylist-insurance-cost - FAQ Categories: Hair Stylist Insurance The cost of your hairstylist insurance policy will depend on a few different factors, such as whether you own a hair salon or only rent a chair, whether you travel to clients’ houses, how much revenue you made in the previous year, how much revenue you expect to make this year, security measures in place, and a few other simple questions related to your business. --- ### Am I legally required to obtain Tenant Liability Insurance? - Published: 2019-08-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/am-i-legally-required-to-obtain-tenant-liability-insurance - FAQ Categories: Tenant Insurance Although you are not legally required to obtain Tenant Liability Insurance, it is common practice for landlords to require their tenants to have insurance coverage before leasing to them. In most cases, tenants are asked to get insured before signing a lease. --- ### Does my Commercial Tenant Insurance policy cover my company’s property and equipment (computers, furniture, etc)? - Published: 2019-08-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-tenant-insurance-policy-cover-my-companys-property-and-equipment-computers-furniture-etc - FAQ Categories: Tenant Insurance Coverage for your company’s assets and equipment is not provided under a Commercial Tenant Insurance policy. The policy is designed to cover a tenant’s legal liability towards the landlord or other third party. To protect your property and equipment, make sure you add Commercial Property Insurance to your policy. --- ### Is Commercial Tenant Liability Insurance the same as Commercial General Liability Insurance? - Published: 2019-08-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-tenant-liability-insurance-the-same-as-commercial-general-liability-insurance - FAQ Categories: Tenant Insurance Commercial General Liability Insurance is a general policy that applies to all sorts of businesses (not just companies in leased spaces). It provides coverage for bodily injuries or property damage to third parties for which the business can be held liable. Commercial Tenant Liability Insurance provides similar coverage, but it is specifically designed to cover a tenant’s legal liability towards the landlord in injury or property damage cases. --- ### What is the difference between Technology Insurance and Tech E&O Insurance? - Published: 2019-08-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-technology-insurance-and-tech-eo-insurance - FAQ Categories: Technology Insurance Technology and Startup Insurance is a specialized policy for technology companies (e. g. Software Developers, IT Staffing, SaaS providers, E-commerce) that includes coverages specially curated to protect technology companies from the unique risks they face. Tech E&O is a coverage that’s usually included within Technology and Startup Insurance. --- ### Are Legal Expenses covered under my Technology Insurance policy? - Published: 2019-08-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-legal-expenses-covered-under-my-technology-insurance-policy - FAQ Categories: Technology Insurance You may choose to add Legal Expense coverage to your Technology Insurance policy (and we recommend that you do). Legal Expense coverage provides access to a lawyer for immediate legal advice on any business-related matter and coverage for legal expenses for the following: Contract Disputes, Employment Disputes, Criminal Defence, Property Disputes, Personal Injury, and Tax Disputes. --- ### Is Technology Insurance the same as Cyber Liability Insurance? - Published: 2019-08-14 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-technology-insurance-the-same-as-cyber-liability-insurance - FAQ Categories: Technology Insurance Technology Insurance could broadly include several different insurance policies, including Cyber Insurance. Cyber Liability insurance provides coverage for damages due to electronic incidents. It is usually included in a Technology Insurance policy alongside additional coverages such as general liability, professional liability, legal expense insurance, etc. --- ### Is Architect Insurance mandatory for architects before signing contracts? - Published: 2019-06-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-architect-insurance-mandatory-for-architects-before-signing-contracts - FAQ Categories: Architect Insurance Architect Insurance is not required by law, but it is difficult to land any sizeable project without having an insurance policy in place. If there is an error in a project designed by you, it can become extremely costly if the error is discovered once construction is underway. For this reason, project managers and builders are usually very careful about only working with architects who already have Architect Insurance. --- ### Can an architect be liable for projects completed in the past? - Published: 2019-06-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-architects-require-liability-insurance-for-projects-completed-in-the-past - FAQ Categories: Architect Insurance Yes. Design errors in a project can be discovered years after the project is completed, and if you are the architect who designed the project, approved the design, or agreed to the substitution of products that turned out to be faulty, you will be held liable for damages, even if you have retired or changed professions. --- ### What coverages should architects have in their insurance policy? - Published: 2019-06-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-coverages-should-architects-have-in-their-insurance-policy - FAQ Categories: Architect Insurance The most basic policy recommended for any business is General Liability. It protects a business from claims of bodily injury or property damage to a third-party. For Architects, it is also recommended to add Errors and Omissions coverage to their insurance policy. Errors and Omissions Insurance, also known as Professional Liability Insurance, covers errors and omissions in your services to clients that lead to financial losses for them. If you own a lot of expensive property, also add Commercial Property Insurance to your policy to protect your contents and assets. --- ### Does General Liability Insurance protect my inventory and stock? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/retail-3 - FAQ Categories: Retail Insurance No, General Liability Insurance is a coverage designed to protect you from the consequences that result from bodily injuries and property damages to third-parties. Damage to your own property is not covered by General Liability Insurance. If you wish to protect your own stock and inventory from damages, add commercial property coverage to your insurance policy. --- ### Is employee theft covered under Crime Insurance? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-employee-theft-covered-under-crime-insurance - FAQ Categories: Retail Insurance Yes, Crime Insurance is a coverage that may protect your business from employee theft including stolen cash and credit card forgery as well as loss of money and securities inside and outside of the premises. Regular theft is included under the property portion of a policy. --- ### Can I have my landlord listed as additional insured? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/can-i-have-my-landlord-listed-as-additional-insured - FAQ Categories: Retail Insurance Yes, this is a very standard requirement. Please provide us with the legal name and mailing address and we can have this added to your formal policy documents. --- ### Do I need equipment breakdown coverage? - Published: 2019-06-07 - Modified: 2023-04-04 - URL: https://www.zensurance.com/blog/faq-items/do-i-really-need-equipment-breakdown-coverage - FAQ Categories: Restaurant Insurance Yes. Equipment breakdown insurance covers your restaurant’s cost of repairing or replacing equipment and appliances due to mechanical and electrical breakdowns, including boilers, coolers, refrigerators, and HVAC systems. --- ### Does commercial crime insurance cover employee and common theft? - Published: 2019-06-07 - Modified: 2023-04-04 - URL: https://www.zensurance.com/blog/faq-items/does-commercial-crime-insurance-cover-employee-and-common-theft - FAQ Categories: Restaurant Insurance Commercial crime insurance protects your business from employee theft including stolen cash and credit card forgery as well as loss of money and securities inside and outside of the premises. Regular theft, however,is covered by commercial property insurance. --- ### Is liquor liability an important coverage for my restaurant? - Published: 2019-06-07 - Modified: 2023-04-04 - URL: https://www.zensurance.com/blog/faq-items/is-liquor-liability-an-important-coverage-for-my-restaurant - FAQ Categories: Restaurant Insurance Yes. If you serve alcohol at your restaurant, liquor liability coverage is essential and likely a legal requirement in your province. You can be held liable for the actions of an intoxicated customer who causes an accident, and alcohol is deemed a contributing factor. --- ### Is legal expense insurance included in a standard media and marketing insurance policy? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-legal-expense-insurance-included-in-a-standard-media-and-marketing-insurance-policy - FAQ Categories: Media and Marketing Insurance No, but you can add legal expense coverage to create a comprehensive media and marketing insurance policy. Legal expense coverage provides you with financial support to consult a lawyer for advice related to your business. Standalone legal expense policies may start at $200 a year, but you may be able to get a discount if you bundle it with other policies, such as commercial general liability and E&O insurance. --- ### What are the most common risks that media and marketing professionals face? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-most-common-risks-that-media-and-marketing-professionals-face - FAQ Categories: Media and Marketing Insurance The most common risks that professionals in the media and marketing industry face are lawsuits that arise from copyright infringement, plagiarism, defamation, and invasion of privacy. --- ### Is Cyber Liability Insurance necessary for a hotel? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-cyber-liability-insurance-necessary-for-a-hotel - FAQ Categories: Hotel Insurance Cyber liability may not necessarily apply to all hotels, but many hotels and lodging establishments do utilize electronic data that makes them susceptible to cyber attacks. For example, a hotel may have a website where clients make reservations online. The website may also accept electronic payments from customers, and customers’ financial and personal data may be stored in the hotel’s systems. A cybersecurity breach for such an establishment could lead to severe problems if the establishment is not protected by Cyber Liability Insurance. --- ### Is liquor liability an important coverage for my hotel? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-liquor-liability-an-important-coverage-for-my-hotel - FAQ Categories: Hotel Insurance If you serve alcohol, you should consider protecting your business with liquor liability coverage. According to the Insurance Bureau of Canada, if you serve alcohol you could be held liable for injuries or damages to third parties if alcohol is deemed as a contributing factor in the incidents. Any business that serves alcohol is also responsible for ensuring that customers are not served past the point of intoxication, which is extremely difficult to keep track of, especially in a busy environment. --- ### Do hotels require Property Insurance in addition to General Liability Insurance? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-hotels-require-property-insurance-in-addition-to-general-liability-insurance - FAQ Categories: Hotel Insurance Yes, hotels may require Property Insurance. General liability insurance covers injuries and property damage to third parties. General liability will protect you in incidents such as slips and falls and damage to guests’ property by your employees, but damage to your own property is not covered. Hotels have a high residential property value and own many expensive contents. If you wish to protect your assets, you may consider adding Commercial Property Insurance to your insurance policy. --- ### Do I need to carry insurance on my stock if I am operating by dropshipping? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-to-carry-insurance-on-my-stock-if-i-am-operating-by-dropshipping - FAQ Categories: Ecommerce Insurance Confirm with your supplier if they are responsible for insuring inventory. However, it never hurts to carry this coverage in the event that you get dragged into a claims scenario. If you have multiple suppliers, it can be difficult to keep track of which suppliers have insurance and which don’t. It is highly recommended that you add Property Insurance to your insurance policy to manage your risks. --- ### Do I need Cyber Liability Insurance if I am operating online? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-cyber-liability-insurance-because-i-am-operating-online - FAQ Categories: Ecommerce Insurance It is recommended that you protect your business operations with Cyber Liability Insurance if you are selling products online as online transactions usually require an exchange of financial information over the internet. Many online retailers also store customer data to complete and ship out orders. If any third party data on your systems are stolen or damaged in a cyber attack, you may need Cyber Liability Insurance to cover the damages. Cyber attacks are becoming increasingly common. According to StatCan, one-fifth of all Canadian small businesses were targets of cyber attacks in 2017, and the number has only gone up since. --- ### Can my online business be held liable for selling a product that caused injury to a customer, despite the product being manufactured by a different company? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/can-my-online-business-be-held-liable-for-selling-a-product-that-caused-injury-to-a-customer-despite-the-product-being-manufactured-by-a-different-company - FAQ Categories: Ecommerce Insurance Yes, it is possible that you can be held liable for products you have sold even if you did not manufacture the products. Make sure that products liability coverage is present in your insurance policy. Take a thorough look at your inventory to determine if you sell products that are highly likely to cause injuries, such as products for babies and toddlers. Whenever possible, do business with manufacturers that already carry an insurance policy. --- ### Does commercial property insurance cover employee theft? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/entertainment-faq-3 - FAQ Categories: Commercial Property, Entertainment Insurance No, employee theft is covered under crime insurance coverage. Although commercial property insurance may protect businesses from property damage by third parties, it does not cover stolen money or securities. About one in three Canadian companies are concerned about employee theft. To protect your business from theft of money and securities, forgery, and computer fraud, by a third party, add crime insurance to your policy. --- ### What are the most common risks for which an entertainment business requires insurance? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-most-common-risks-for-which-an-entertainment-business-requires-insurance - FAQ Categories: Entertainment Insurance Third-party bodily injury and business-owned property damage are likely the most common risks. That means it’s important to have CGL (Commercial General Liability) insurance and commercial property damage insurance.   Entertainment businesses (bowling alleys, billiards clubs, arcades) own a lot of expensive machines and equipment that are central to business operations. These assets are often used directly by customers, and they can be damaged through use and misuse. Additionally, the activities mean there’s a risk of injury to third parties on the entertainment business’ premises. --- ### Is general liability insurance enough for my entertainment business? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-general-liability-insurance-enough-for-my-entertainment-business - FAQ Categories: Entertainment Insurance General liability insurance on its own is insufficient to cover your business for many common claims. General liability insurance provides coverage for third-party injuries and property damage, so your entertainment business may be protected when injuries happen on your premises, or third-party property is damaged at your place of business. However, your property will not be covered. To protect your contents and equipment, you must add commercial property insurance to your insurance policy as well. --- ### Are counsellors who work from home protected by their Home Insurance policy? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-counsellors-who-work-from-home-protected-by-their-home-insurance-policy - FAQ Categories: Counsellor Insurance A counsellor or therapist is not protected by her Home Insurance if she conducts counselling or therapy sessions at home. At the minimum, counsellors and therapists may consider purchasing General Liability Insurance to protect themselves from being held liable for bodily injuries and property damage to third parties, and Commercial Property Insurance to protect the space and contents of their home being used for commercial purposes. --- ### What is the difference between a counsellor and a therapist and do these professions have different insurance needs? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-a-counsellor-and-a-therapist-and-do-these-professions-have-different-insurance-needs - FAQ Categories: Counsellor Insurance The terms are broadly interchangeable and may refer to the same practitioner. Generally, counsellor refers to a practitioner who is treating a client over a short period of time (for e. g. to treat negative behavior patterns). Therapist, on the other hand, can be used to refer to the same practitioner when she is treating a client over a long time period (for e. g. therapy sessions for deep-seated or complex psychological issues). Regardless of what the professional designation is, Counsellor Insurance is important to protect the practice. --- ### Do counsellors need both malpractice coverage and professional liability coverage? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-counsellors-need-both-malpractice-coverage-and-professional-liability-coverage - FAQ Categories: Counsellor Insurance Malpractice coverage is a type of Professional Liability coverage that applies to counsellors and therapists. Medical health practitioners such as therapists and counsellors deal with patients that may have a complex history of mental health. As with other medical services, mental health treatment and consultation are highly susceptible to negative outcomes due to negligence. Your Counsellor Insurance policy will usually include malpractice coverage in addition to other important coverages. --- ### Does Home Insurance cover instructors who conducts health and fitness lessons at their home? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-home-insurance-cover-instructors-who-conducts-health-and-fitness-lessons-at-their-home - FAQ Categories: Health and Wellness Insurance No, if you conduct fitness lessons or treatment sessions at your home, your home insurance will not cover any damages resulting from your commercial activities. It is highly recommended that you purchase general liability insurance at the least to cover the most common risks in your profession, which are damages to a third-party (mostly your clients). If you want to protect your own property from damages, talk to your broker about adding commercial property insurance to your policy.     --- ### Do Health and Wellness practitioners need Malpractice Insurance or Professional Liability Insurance? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-health-and-wellness-practitioners-need-malpractice-insurance-or-professional-liability-insurance - FAQ Categories: Health and Wellness Insurance Malpractice insurance is a type of professional liability insurance that applies to health practitioners. Due to the nature of your work, your treatment or advice to a client may lead to bodily injuries, in which case, the client will usually file a malpractice lawsuit against you, accusing you of negligence in your professional service. Malpractice-related legal claims are more common in the health and wellness industry than in most service-based industries. --- ### Are fitness instructors covered by the insurance policy of the gym or studio? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-fitness-instructors-covered-by-the-insurance-policy-of-the-gym-or-studio - FAQ Categories: Gym Insurance, Health and Wellness Insurance Your insurance policy provides coverage for employees of a business, but independent instructors who are simply renting space are not covered by the facility’s insurance policy. If you are an independent instructor, you may consider purchasing general liability insurance to protect yourself from being held liable for injuries or property damage that may happen during your lessons. --- ### Is Consultant Insurance mandatory for consultants and independent contractors? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-consultant-insurance-mandatory-for-consultants-and-independent-contractors - FAQ Categories: Consultant Insurance Although Consultant Insurance is not mandatory by law, it may be important to protect your business with a consultant insurance policy because clients have the legal right to file claims for mistakes caused by the negligence of consultants and independent contractors. Most clients will require you to have Consultant Insurance before hiring you because small mistakes on your part could lead to huge financial losses for them. --- ### Does my Errors and Omissions (Professional Liability) Insurance policy also cover Cyber Liability damages? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-errors-and-omissions-professional-liability-insurance-policy-also-cover-cyber-liability-damages - FAQ Categories: Consultant Insurance Errors and Omissions policies don’t cover damages to third parties from cybersecurity breaches. If you store electronic data related to clients, whether personal or financial, it may be a good idea to ensure that your Consultant Insurance policy includes coverage for cyber liability because you may be held liable for third-party damages caused by cyber attacks on your servers. --- ### Do consultants need both Professional Liability Insurance and Errors & Omissions Insurance? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-consultants-need-both-professional-liability-insurance-and-errors-omissions-insurance - FAQ Categories: Consultant Insurance Errors & Omissions (E&O) Insurance is a popular alternative name for Professional Liability Insurance, but the latter is the official name in the insurance industry. Regardless of what you call the policy, it is recommended for protecting any consulting practice because It provides protection from errors and missed deadlines (due to negligence) that lead to a financial loss for clients. --- ### Are subcontractors covered by the contractor’s liability insurance? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/are-subcontractors-covered-by-the-contractors-liability-insurance - FAQ Categories: Contractors Insurance Contractor Insurance provides coverage for full-time employees of a business. This policy does not typically include subcontractors; however, if needed, they can be added. Regardless, it is important to ensure you are meeting all insurance requirements in a contract. Important note for contractors, your policy coverage limit applies to all employees of your business, not each employee. One option to accommodate all of your employees is to increase your limit. However, hiring subcontractors that carry their own liability insurance ensures all parties have adequate coverage. For subcontractors, consider purchasing liability insurance to ensure you always have coverage, even when an employer can't cover you. Having liability insurance will also allow you to work on multiple sites. --- ### Do contractors need professional liability coverage in their insurance policy? - Published: 2019-06-07 - Modified: 2025-03-11 - URL: https://www.zensurance.com/blog/faq-items/are-subcontractors-covered-by-a-contractors-liability-insurance - FAQ Categories: Contractors Insurance Contractors do not require professional liability insurance. However, if you offer advice or approve any design work as part of your service, consider adding it to your policy to protect against claims alleging you gave incorrect information or failed to deliver a service as promised. If you’re still unsure if you need professional liability insurance, ask your broker about what types of coverage make the most sense for your business. --- ### Does contractor liability insurance cover subcontractors? - Published: 2019-06-07 - Modified: 2025-03-11 - URL: https://www.zensurance.com/blog/faq-items/is-contractor-insurance-mandatory-for-contractors-and-subcontractors-before-signing-project-contracts - FAQ Categories: Contractors Insurance Contractor insurance provides coverage for full-time employees. This policy does not typically include subcontractors; however, if needed, it can be added. Regardless, ensuring you meet all insurance requirements in a contract is essential. Important note for contractors: Your policy coverage limit applies to all employees of your business, not each employee. One option to accommodate all of your employees is to increase your limit. However, hiring subcontractors that carry their own liability insurance ensures all parties have adequate coverage. For subcontractors, consider purchasing liability insurance to ensure you always have coverage, even when an employer can’t cover you. Having liability insurance will also allow you to work on multiple sites. --- ### What are the minimum Professional Liability limits that accountants must have in their policy? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-minimum-professional-liability-also-known-as-errors-and-omissions-limits-that-accountants-must-have-in-their-policy - FAQ Categories: Accountant Insurance As determined by Chartered Professional Accountants (CPA) Canada, the minimum coverage amount per claim depends on the number of accountants in a firm. For one-member firms, the minimum limit is $1 million. For firms with two or three members, the minimum limit is $1. 5 million. For firms with four members or more, the minimum limit is $2 million. --- ### Is Professional Liability Insurance mandatory for accountants? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-professional-liability-insurance-mandatory-for-accountants - FAQ Categories: Accountant Insurance According to Chartered Professional Accountants (CPA) Canada, all accounting firms (whether a one-person operation or a group operation) that provide accounting services to the public should insure their business with Professional Liability Insurance. Check the CPA branch website of your province to find out about other mandatory laws that apply to accountants and bookkeepers in your province. --- ### Is Cyber Liability coverage included in my Errors and Omissions policy? - Published: 2019-06-07 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-cyber-liability-coverage-included-in-my-errors-and-omissions-policy - FAQ Categories: Accountant Insurance No, Errors and Omissions (E&O) Insurance for accountants may only cover mistakes and missed deadlines due to negligence in the accountant’s services that lead to financial loss for clients. If the accountant’s computer network is hacked, E&O will not cover the cost of damages that result from the personal and financial information of clients being compromised. To cover third-party damages due to a breach of cybersecurity, accountants may consider adding Cyber Liability coverage to their policy. --- ### What is the difference between personal injury and medical negligence (medical malpractice)? - Published: 2019-06-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-personal-injury-and-medical-negligence - FAQ Categories: Malpractice Insurance Medical negligence (injuries from medical malpractice) is aformof personal injury. Personal injury claims deal with a wide variety of areas where the claimant suffers an injury through no fault of their own, for example, dog bites and slip and falls. Medical negligence (or malpractice) claims only concern mistakes or carelessness carried out by medical professionals. Medical malpractice claims tend to be a lot more complex and thoroughly analyzed too. --- ### What is classified as medical malpractice (or medical negligence)? - Published: 2019-06-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-classified-as-medical-malpractice-or-medical-negligence - FAQ Categories: Malpractice Insurance Medical negligence refers to a breach of duty by a health professional that results in harm and loss to a client or patient. Negligence can take several different forms, including but not limited to misdiagnosis, incorrect treatment, delay in providing treatment, mistakes in surgery, etc. --- ### Why do I need professional liability coverage in addition to commercial general liability coverage? - Published: 2019-06-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/why-do-i-need-professional-liability-coverage-in-addition-to-commercial-general-liability-coverage - FAQ Categories: Professional Liability Insurance Insurance policies are created with the intent of covering a large number of business segments. Every business is unique as to what they offer and how they are operated, due to these individual complexities it is almost impossible for one single insurance policy to cover everything a business may offer. Your basic insurance policy, Commercial General Liability covers any claims of your business causing injury or loss whether it be to a customer, tenant, or landlord. These policies do not, however, cover your professional advice and services, management decisions, physical property, computer systems, data and other potentialloss exposures that might exist within your business model. --- ### What is the difference between malpractice insurance and professional liability insurance? - Published: 2019-06-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-malpractice-insurance-and-professional-liability-insurance - FAQ Categories: Malpractice Insurance Malpractice insurance is atypeof professional liability insurance that protects medical practitioners from errors caused by negligence in their service. Most medical practitioners are sued at one point or another in their career. Malpractice insurance is curated to cover the common risks that most doctors and other medical practitioners are likely to face. --- ### How do different types of liability insurance apply to me? - Published: 2019-06-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-do-different-types-of-liability-insurance-apply-to-me - FAQ Categories: Beauty Insurance There are two main types of beauty liability insurance that apply to your profession and it is important to have both. Professional liability insurance for the beauty space refers to lawsuits stemming from your actual services. Beauty commercial general liability insurance refers to accidents like a slip and fall. However, it is paramount to have both for a beauty practitioner because sometimes clients can get hurt during a treatment accidentally, like slipping during a pedicure or getting burned during a wax. --- ### How much beauty insurance should I buy? - Published: 2019-06-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-much-beauty-insurance-should-i-buy - FAQ Categories: Beauty Insurance The rule here is as much as you can afford. You will feel much more confident in your practice knowing you have millions of dollars in coverage. Also if you experience a claim early in the year you may not have enough beauty insurance leftover to continue working because your insurance policy has been depleted! --- ### Will my beauty insurance policy cover beauticians renting chairs? - Published: 2019-06-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/will-my-beauty-insurance-policy-cover-beauticians-renting-chairs - FAQ Categories: Beauty Insurance No. Unfortunately, beauty insurance only covers your employees. Beauticians who rent a chair in your salon are considered to be contractors and are not covered by your insurance policy, they would have to get their own insurance policies. --- ### Do mobile beauticians need beauty insurance? - Published: 2019-06-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-mobile-beauticians-need-beauty-insurance - FAQ Categories: Beauty Insurance Yes, beauty insurance is not just for beauticians who work at a salon, spa or any spot. Even if you travel to your clients, there is a risk that something may go wrong while you complete your beauty procedure. Insurance claims are very common in the beauty industry and that applies to mobile beauticians too. --- ### Do I really need beauty insurance? - Published: 2019-06-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-really-need-beauty-insurance - FAQ Categories: Beauty Insurance Yes, beauty insurance claims are very frequent in the beauty space. From clients who do not follow post-care procedures and experience bodily damage to Instagram influencers who feel that your treatment caused them to lose sponsors. Whoever feels that your services caused bodily injury or damage to their exterior image can file a lawsuit with cause. That is why we offer broad beauty insurance. --- ### Does D&O insurance cover former directors? - Published: 2019-06-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-do-insurance-cover-former-directors - FAQ Categories: Directors and Officers (D&O) Liability Yes, D&O insurance policies usually protect former and present directors and officers. As long as the company continues to purchase D&O insurance, former directors and officers will be covered against future lawsuits that relate to their past board service. --- ### Does my non-profit need Directors and Officers (D&O) liability insurance? - Published: 2019-06-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-my-non-profit-need-directors-and-officers-do-liability-insurance - FAQ Categories: Directors and Officers (D&O) Liability Yes, D&O insurance protects the board of directors of nonprofits by coveringdefense costs, settlements, judgments arising from lawsuits and wrongful allegations. Nonprofit board members are not fully exempt from liability just by virtue of being volunteers. --- ### Can a sole trader or partnership have Directors and Officers Insurance? - Published: 2019-06-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/can-a-sole-trader-or-partnership-have-directors-and-officers-insurance - FAQ Categories: Directors and Officers (D&O) Liability Directors and Officers Insurance usually does not apply to sole traders or partnerships because they don’t employ the executive level staff that a Directors and Officers Insurance policy is designed to cover. However, any corporate business whose structure includes executive level staff should consider getting D&O Insurance. --- ### Is Directors and Officers (D&O) liability insurance the same as professional liability insurance? - Published: 2019-06-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/is-directors-and-officers-do-liability-insurance-the-same-as-professional-liability-insurance - FAQ Categories: Directors and Officers (D&O) Liability D&O liability insurance is atypeof professional liability insurance that is specifically designed to protect the liability of directors and officers and also the liability of the corporation to indemnify its directors and officers for expenses incurred from their alleged acts of harm or negligence. --- ### Do hackers even target small businesses (do small businesses need cyber liability insurance)? - Published: 2019-06-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-hackers-even-target-small-businesses - FAQ Categories: Cyber Liability Yes. According to StatCan, one-fifth of all Canadian businesses were targeted by hackers in 2017. Hackers especially prefer small businesses because they are considered ‘low-hanging fruits’. Cyber security measures are expensive, and small businesses usually don’t have the infrastructure and trained personnel in place to prevent these attacks. --- ### Does my E&O policy already cover cybersecurity? - Published: 2019-06-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/doesnt-my-eo-policy-already-cover-cybersecurity - FAQ Categories: Cyber Liability No, it is a common misconception that Technology Errors and Omissions (Tech E&O) coverage provides protection against cybercrimes. Tech E&O covers losses resulting from technology services and technology products but it will not protect you in case ofloss of private third party information.     --- ### What are the most common types of cyber attacks covered by cyber liability insurance? - Published: 2019-06-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-are-the-most-common-types-of-cyber-attacks - FAQ Categories: Cyber Liability Malware: malicious software that usually make their way through with link clicks and attachment downloads. Phishing: fraudulent emails to steal information or encourage malware downloads. DDoS (Distributed Denial of Service): bombarding a business’s server with multiple simultaneous requests to stop it from fulfilling legitimate requests. --- ### Does cyber insurance cover cyber extortion (ransomware)? - Published: 2019-06-03 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-cyber-insurance-cover-cyber-extortion-ransomware - FAQ Categories: Cyber Liability Cyber extortion coverage is not included by default in all our cyber liability insurance packages. If you require cyber extortion coverage, discuss it with your assigned broker. It provides coverage for extortion related expenses such as hiring a consultant or negotiator and repair costs if the recovered data is locked or damaged. --- ### Do I need E&O insurance if I work from home? - Published: 2019-05-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-eo-insurance-if-i-work-from-home - FAQ Categories: Errors and Omissions Insurance Yes, as long as you provide a service to a client, regardless of your location, you can be sued for errors and omissions arising out of negligence. It is best practice to protect yourself with insurance as legal costs and settlement fees are devastating for small businesses and freelance professionals. --- ### Does professional liability insurance cover errors and omissions? - Published: 2019-05-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/does-professional-liability-insurance-cover-errors-and-omissions - FAQ Categories: Professional Liability Insurance Yes. professional liability insurance covers errors and omissions in the service or advice provided by professionals. In fact, the terms 'professional liability insurance' and 'errors and omissions insurance' actually refer to the same type of policy. --- ### What is the difference between D&O and E&O insurance? - Published: 2019-05-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-do-and-eo-insurance - FAQ Categories: Errors and Omissions Insurance The difference is that D&O (Directors and Officers) Insurance only applies to directors and officers of a company and E&O (Errors & Omissions) Insurance applies to any professional who provides a service. Both policies provide coverage for errors and omissions borne out of negligence. --- ### Who needs professional liability insurance? - Published: 2019-05-15 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/who-needs-professional-liability-insurance It's recommended for professionals who provide a service or advice, whether they work within a group of professionals or as solo entrepreneurs. For example: doctors, lawyers, accountants, management consultants, marketers, financial planners, engineers etc.   --- ### What does Errors & Omissions Insurance (E&O) cover? - Published: 2019-05-13 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-does-errors-and-omissions-eo-insurance-cover Errors and omissions (E&O) insurance covers legal costs and settlements that arise from claims of errors, omissions, negligence or inadequate service provided by professionals such as doctors, consultants, engineers, accountants, etc. It does not cover any damage done intentionally.   --- ### How much professional liability coverage do I need? - Published: 2019-05-13 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-much-professional-liability-coverage-do-i-need - FAQ Categories: Professional Liability Insurance The most common professional liability coverage that business owners, consultants or practitioners opt for is the $1M/$2M coverage ($1M max pay out for a single claim during a year, $2M max pay out for all claims throughout a year). If you believe risks are higher in your industry or for your specific business, you should consult with your broker about getting a policy with higher limits. --- ### What does professional liability insurance cover? - Published: 2019-05-13 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-does-professional-liability-insurance-cover Professional liability insurance covers financial loss or bodily injury caused to a third party due to a service you provided. It covers legal costs and settlements, usually hefty fees that can cripple a small business or individual practitioner if they had to pay it out of their own pocket. --- ### What is the difference between Errors and Omissions (E&O) Insurance and professional liability insurance? - Published: 2019-05-13 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-is-the-difference-between-professional-liability-insurance-and-errors-and-omissions-insurance - FAQ Categories: Errors and Omissions Insurance Errors and omissions is a popular name for professional liability, they both refer to the same policy and provide coverage to professionals or consultants for errors and omissions in their services. In some industries, it's also commonly known as malpractice insurance. Regardless of what you refer to it as, it may be important to protect your business practice with this policy. --- ### Do I need business insurance if I work from home? - Published: 2019-05-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/do-i-need-business-insurance-if-i-work-from-home - FAQ Categories: Business Insurance The short answer is YES. While some personal home insurance policies could cover some personal items you use for work such as a laptop, a printer, a monitor or some tools, many times there are exclusions in your home policy that don’t cover home business items. In case of damage to your home or loss of equipment that prevents you from working, the loss of income will not be covered by your home insurance. --- ### How much business insurance do I need? - Published: 2019-05-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-much-business-insurance-do-i-need - FAQ Categories: Business Insurance Canadian entrepreneurs often ask how much business coverage they should get. 1 million or 2 million? The answer as with many things insurance is: It depends. As your business coverage goes up so does your premium. If you can absorb the cost, the general advice is to get as much coverage as you can afford. Many business owners who have to file a claim and went for the cheapest option often wish they had gotten broader coverage. Evaluate the potential risks your business is exposed to and your budget. --- ### How much liability insurance do I need? - Published: 2019-05-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-much-liability-insurance-do-i-need - FAQ Categories: Esthetician Insurance, Liability Insurance Most small businesses opt for a $2M policy, but every business faces different risks so definitely work with your insurance provider to find the right policy for your business. Also, consider your budget and how much you can afford to pay in premiums as policies with more coverage usually cost more. --- ### How do I get general liability insurance for my business? - Published: 2019-05-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-do-i-get-general-liability-insurance-for-my-business - FAQ Categories: Gen Liability 1, Liability Insurance Get in touch with one of our insurance brokers or request an online quote from our application form. Our digital brokerage model has several benefits over local brokers, including speed, ease of use and lower costs. All insurance brokers, digital and traditional, have a fiduciary responsibility to protect your best interests and should help you find the right policy for your business. --- ### What does a general liability insurance policy cover? - Published: 2019-05-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/what-does-a-general-liability-insurance-policy-cover - FAQ Categories: Gen Liability 1, Liability Insurance A general liability policy covers legal expenses and settlements related to bodily injury or property damage to a third party. The most common scenarios usually involve accidents and injuries: trip-and-falls are Canada's leading cause of injury hospitalization. --- ### How is general liability insurance calculated? - Published: 2019-05-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-is-general-liability-insurance-calculated - FAQ Categories: Gen Liability 2, Liability Insurance General Liability Insurance costs are calculated based on a few different factors such as industry, projected revenues, and years in operation. Insurance companies have collected decades’ worth of data to predict the risk associated with various industries, business sizes, and many other factors to help them calculate your yearly premium cost. --- ### Can I increase or decrease the limits of my business insurance? - Published: 2019-04-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/can-i-increase-or-decrease-the-limits-of-my-insurance - FAQ Categories: General Questions Yes, we are able to customize our insurance packages so that you get only the coverage you need. --- ### Can I pay my business insurance monthly? - Published: 2019-04-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/can-i-pay-monthly - FAQ Categories: General Questions Yes. While most customers prefer to pay up front to avoid any additional financing charges, we do offer flexible payment options including monthly payment solutions for policies that cost more than $500. --- ### How much business insurance do I require? - Published: 2019-04-10 - Modified: 2022-10-17 - URL: https://www.zensurance.com/blog/faq-items/how-much-insurance-do-i-require - FAQ Categories: General Questions Every business is unique. At Zensurance, we have curated several solutions that include comprehensive coverages and we are confident you will get the coverage you need through one of these packages.  If not, we’re happy to look at alternative options. ---