Zensurance – Insurance for your small business

Every business owner should have business insurance. Zensurance is an online insurance brokerage determined to help small business owners find the right insurance for them, including general liability insurance, errors and omissions insurance and commercial property insurance.

Whether you operate in a brick-and-mortar location or online, out of a commercial space or your home, insurance can protect business owners from incurring losses due to events beyond their control. Losses can occur from errors, third-party damages or bodily injury.

Running a business is a huge investment. Business owners invest their time and money, and it only makes sense to protect those investments. Zensurance strives to do things differently from your average insurance brokerage. By providing online quotes and purchasing options, business owners can save time to focus on what matters most, running their business.


  • 24/7 online service – Purchase your business insurance anytime and anywhere with Zensurance. There is no need to ever meet an insurance rep in person, and never worry about it being after-hours.
  • The best service for the best price – Zensurance takes the time to learn your specific needs. They are committed to finding the best policy for each business they work with as well as the most competitive price.
  • Easy to use online platform – A unified web and mobile interface allows the customer to easily manage their every insurance need. Not only will you save time and money by buying your policy online, you can then also track and manage your purchased policies in the Dashboard.
  • Focused on customer experience – Zensurance aims to provide the best possible experience for each and every customer. Their team strives to be professional, knowledgeable and responsive. Customer support is available over the phone or by email, and they also have a chat feature right on their website.

Products and Services

At Zensurance, they believe that obtaining insurance for your business should not be complicated. By simplifying the process, Zensurance gives business owners the ability to find the right insurance policies for their business, at the best price.

Zensurance does the shopping around, so that you don’t have to. They utilize technology to search through over fifty of the largest Canadian and international insurance carriers and find the best possible quote.

There are many different types of insurance, and Zensurance is there to help you determine exactly what coverage you need. Some of the common types of liability insurance include:

General Liability Insurance

Protect yourself from the common risks of day-to-day business operations. As a business owner, you will come into contact with many third parties, who could claim that your business caused them an injury. This insurance is important if you have an office space or clients that visit your home, staff that work off-site, or if your business provides a service or sells goods.

Product Liability Insurance

This insurance will protect your business from product-related claims, such as alleged third-party property damage or bodily injury caused by a product you sell. Issues with design, manufacturing, or incorrect safety warnings also fall under this type of coverage. Product Liability Insurance can be important for both online retailers, and those who operate with a storefront.

Commercial Property Insurance

This insurance provides coverage to loss or damage in the event of fire, or other disaster, or from theft. Any business that owns or leases a commercial space should have this coverage.

Errors or Omissions Insurance

To make mistakes is to be a human being. This type of insurance is designed to provide financial coverage in the event of an accidental error or omission. If your business provides advice or if you offer a service, this type of insurance is very important, and for some industries, even required by law.


There are many factors that determine how much insurance will cost. Some of the factors that insurance companies will examine when determining your premium include: the size of the business, the previous year’s revenue, and the industry
that your business falls under.

You can obtain a quote easily on the Zensurance website, found here: https://app.zensurance.com/quote

Getting a quote is easy, fast and confidential. By following the steps on the website, and answering a few questions, Zensurance will provide you with a quote that is customized to your specific needs as a small business.

Frequently Asked Questions About Zensurance

Why should I use Zensurance?

Zensurance helps make finding the right insurance for your business a simple process. Take the guesswork out by letting them find the right product, at the right price. Zensurance also has access to exclusive rates at up to 35% off the competition. And it’s simple. Go to the website, answer a few questions, get emailed with a quote.

Do I need insurance for my home business?

The short answer is yes, you do. The insurance that you already have on your home will most likely not cover liability related to your business. The right insurance plan will cover equipment and business inventory, and business interruption if anything was to happen to your home.

What are the risks associated with not having business insurance?

Unexpected events can occur at any time, and usually without warning. Without business insurance, you put yourself at risk of incurring financial loss. You also may be breaking the law; many places require that every business have insurance in place to protect against loss, business interruption or a lawsuit.

How much does Zensurance cost?

The type of insurance coverage you need will determines how much your policy premium will cost. On average, Zensurance finds that a small to medium business owner should expect that a sufficient amount of insurance coverage will cost around $450.00 per year.

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Smarter Loans Staff

The Smarter Loans Staff is made up of writers, researchers, journalists, business leaders and industry experts who carefully research, analyze and produce Canada's highest quality content when it comes to money matters, on behalf of Smarter Loans. While we cannot possibly name every person involved in the process, we collectively credit them as Smarter Loans Writing Staff. Our work has been featured in the Toronto Star, National Post and many other publications. Today, Smarter Loans is recognized in Canada as the go-to destination for financial education, and was named the "GPS of Fintech Lending" by the Toronto Star in 2019.