Written and analysed by Smarter Loans Editorial Team
· Reviewed by Rafael Rositsan · Facts checked 21 August 2026
A digital commercial insurance brokerage for small businesses, quoting liability, professional and property coverage online across most industries.
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Our verdict
Best for
Small businesses that need commercial coverage quickly, including lender-required policies
Not for
Large or complex commercial risks that need a traditional broker relationship
What we like
- Online quotes across many industries within the hour for standard risks
- Handles lender-required certificates, which is often the blocker on equipment financing
- Covers a wide range of trades and professions
Where it could improve
- Higher-risk or specialised industries still route to a human broker
- A brokerage rather than an insurer
Products
One block per product, each with its own numbers. Never blended into a single range.
Coverage types
General and professional liability, property, cyber, E&O
Good to know: Zensurance is a full-service licensed brokerage rather than a comparison site, quoting in about three minutes online with a dedicated claims team. Its advertised $11 a month is based on a $125-a-year select professional policy, so the price for your business will differ.
Zensurance alternatives
APOLLO
Instant bind
Faster for simple risks, with the policy issued immediately online.
Square One
Home and tenant
For personal property rather than commercial.
Onlia
Ontario auto
If the requirement is a commercial vehicle in Ontario.
Alternatives link to our profiles only. Comparing is the point; we send nobody sideways.
Company details
Legal name
Zensurance Inc.
Parent
Independent
Regulator
Licensed insurance brokerage, provincial regulators
Founded
2016
Hq
Toronto, Ontario
