Zensurance
4.85
Updated
Sep, 2026
Our Score
Cost
9.4/10
Experience
9.9/10
Flexibility
9.7/10
Support
9.8/10
RSA Canada
3.5
Updated
Sep, 2026
Our Score
Cost
4.7/10
Experience
7.6/10
Flexibility
8.3/10
Support
7.2/10
Insurance Details
Insurance Term Minimum
The minimum insurance term is the shortest policy duration available for coverage.
1 year
1 year
Insurance Term Maximum
The maximum insurance term is the longest policy duration offered by the insurer.
1 year
1 year
Startups
Startups are newly established businesses that may qualify for loans designed to support early growth, cover initial expenses, or fund expansion opportunities.
Yes
Yes
Sole Proprietorship
Sole proprietorship coverage is designed for self-employed individuals running their own business.
Yes
Yes
Partnership
Partnership coverage applies to businesses jointly owned and operated by two or more individuals.
Yes
Yes
Home-Based Business
Home-based business insurance protects small operations run from a residential property.
Yes
Yes
High-Risk Business
High-risk business insurance is tailored for industries with elevated exposure to claims or hazards.
No
No
Minimum Time in Business
The minimum time in business is the required operational period before qualifying for coverage.
3 months
3 months
Claim Processing Time
Claim processing time refers to how long it takes for the insurer to review and settle a claim.
2 days
2 days
Same-Day Coverage
Same-day coverage means your insurance policy can begin on the same day you apply.
No
No
Insurance Types
General Liability Insurance
General liability insurance protects against third-party injury, property damage, or legal claims.
Yes
Yes
Professional Liability Insurance
Professional liability insurance covers financial loss claims resulting from professional errors or negligence.
Yes
Yes
Commercial Property Insurance
Commercial property insurance protects business-owned buildings, inventory, and equipment.
Yes
Yes
Cyber Liability Insurance
Cyber liability insurance provides protection against data breaches and cyberattacks.
Yes
Yes
Crime Insurance
Crime insurance covers losses due to theft, fraud, or employee dishonesty.
No
Yes
Management Liability Insurance
Management liability insurance protects company leaders against claims of mismanagement or breach of duty.
Yes
Yes
Builders Risk Insurance
Builders risk insurance covers construction projects against damage or loss during building.
Yes
No
Worker's Compensation Insurance
Worker’s compensation insurance covers employees’ medical costs and wages after a work-related injury.
No
No
Umbrella Insurance
Umbrella insurance provides additional liability coverage beyond the limits of other policies.
No
No
Product Liability Insurance
Product liability insurance covers claims of injury or damage caused by sold or manufactured products.
Yes
No
Equipment Breakdown Insurance
Equipment breakdown insurance covers repair or replacement costs for essential business machinery.
Yes
Yes
Legal Expense Insurance
Legal expense insurance helps cover the cost of legal representation and court proceedings.
Yes
No
Business Interruption Insurance
Business interruption insurance compensates for lost income during disruptions to normal operations.
Yes
Yes
Event Insurance
Event insurance protects organizers against losses from cancellations, accidents, or property damage.
Yes
No
Cargo Insurance
Cargo insurance covers goods in transit against theft, damage, or loss.
Yes
No
Pollution Liability Insurance
Pollution liability insurance covers cleanup and legal costs arising from environmental contamination.
No
No
Insurance Industry
Architecture & Engineering
Coverage for professionals involved in design, construction, and structural planning.
Yes
Yes
Automotive Services
Insurance tailored for mechanics, repair shops, and auto service providers.
Yes
No
Beauty, Spa & Aesthetics
Coverage for salons, spas, and aesthetic service professionals.
Yes
No
Consultants
Insurance designed for advisors and specialists offering professional guidance or expertise.
Yes
Yes
Contractors
Protection for general contractors, tradespeople, and construction service providers.
Yes
Yes
Counsellors
Insurance for therapists and counsellors to cover professional liability and client claims.
Yes
Yes
Entertainment Services
Coverage for performers, event organizers, and production companies.
Yes
No
Healthcare & Wellness
Protection for clinics, practitioners, and wellness service providers.
Yes
Yes
Property & Hospitality
Insurance for hotels, property managers, and short-term rental businesses.
No
Yes
Legal & Financial Services
Coverage for law firms, accountants, and financial advisors.
Yes
No
Media & Marketing
Insurance for advertising, design, and digital content creation agencies.
No
Yes
Non-Profit Organizations
Protection for charitable groups, associations, and community organizations.
No
No
Oil & Gas
Coverage for exploration, drilling, and related industrial operations.
Yes
No
Real Estate
Insurance for agents, brokers, and property management professionals.
Yes
No
Restaurant
Protection for restaurants, cafés, and food service businesses.
No
No
Retail & Manufacturing
Insurance for stores, wholesalers, and manufacturers of consumer or industrial goods.
Yes
No
Sports & Fitness
Insurance for sports teams, gyms and trainers.
No
No
Security & Protection Services
Insurance for security firms, escort services and general protection.
Yes
Yes
Technology
Insurance for technology firms, data storage, and SaaS companies.
No
No
Transportation & Warehousing
Insurance for commercial trucking, transportation, and commercial and public storage and warehousing.
Yes
No
Platform
Broker
An insurance broker connects clients with multiple insurers to find the best coverage options.
Yes
No
Direct Insurer
A direct insurer provides coverage directly to clients without involving a broker.
No
Yes
Website
The website is the provider’s online platform for applying, managing, or learning about insurance.
Yes
Yes
Mobile App
The mobile app allows customers to apply for and manage their insurance conveniently from a phone.
No
No
24/7 Support
24/7 support ensures customer assistance is available at any time, day or night.
No
Yes
Chat Support
Chat support lets customers communicate with customer service through live or automated online chat.
Yes
No
Online Claim Filing
Online claim filing allows policyholders to submit and manage insurance claims digitally.
Yes
Yes
Overview of Zensurance vs RSA Canada
Zensurance is a Toronto-based digital brokerage founded in 2016, specializing in small business insurance. Through partnerships with over 50 insurance providers, Zensurance offers tailored coverage options for various industries, providing quick online quotes and policy management tools.
RSA Canada, a subsidiary of Intact Financial Corporation, is one of Canada’s leading general insurers. It offers a broad range of business insurance products, including coverage for small businesses, through a network of brokers across the country.
Is Zensurance better than RSA Canada?
Zensurance is better for small business owners seeking a fully digital experience with quick online quotes and tailored coverage options. RSA Canada may be better for businesses looking for a broader range of commercial insurance solutions and personalized service through a network of brokers.
Is Zensurance cheaper than RSA Canada?
Zensurance often offers competitive pricing for small business policies, with potential savings of up to 35% compared to competitors. RSA Canada pricing varies based on business size, industry, and coverage needs, and may be higher for smaller businesses.
Pros and cons of Zensurance vs RSA Canada
Pros of Zensurance vs RSA Canada business insurance:
- Fast online quotes and policy management tools
- Tailored coverage options for various industries
- Partnerships with over 50 insurance providers
- Established insurer with a wide range of business products
- Personalized service through a network of brokers
Cons of Zensurance vs RSA Canada business insurance:
- Limited to small businesses
- May not offer as broad a range of commercial insurance solutions
- Pricing may vary based on business size and industry
- May not provide personalized service through a network of brokers
Key differences between Zensurance and RSA Canada
The primary differences between Zensurance and RSA Canada lie in their approach and offerings. Zensurance focuses on providing a fully digital experience with quick online quotes and tailored coverage options for small businesses. RSA Canada, on the other hand, offers a broader range of commercial insurance solutions through a network of brokers, providing personalized service to businesses of all sizes.
