Business insurance · Canada · Head-to-head
Intact Insurance vs Zensurance
Two Canada business insurance options, compared side by side for Canada trades.
Which should you choose?
Intact Insurance and Zensurance are both Tier A, which every business insurance entry without a reputation warning receives, so the tier does not separate them. Weigh the pros, cons, pricing and Canada-specific notes below against your trade and region.
Intact Insurance
Tier A · ListedIntact Financial's Canadian P&C insurer: commercial and contractor coverage sold through brokers
Intact Insurance is the Canadian insurance brand of Intact Financial Corporation (TSX: IFC), which describes itself as the largest provider of property and casualty insurance in Canada and reports $25 billion in total annual operating direct premiums written. For trades, Intact offers commercial coverage for contractors and construction businesses, including commercial general liability and surety bonds. Intact says it works with more than 6,000 independent broker offices across Canada.
Pros
- + Large Canadian P&C carrier (Intact Financial, TSX-listed)
- + Contractor and construction coverage, including liability and surety bonds
- + Nationwide broker network (more than 6,000 broker offices, per Intact)
Cons
- − No direct online quotes for business insurance: a broker is required
- − No public prices; premiums depend on trade, coverage and broker
- − Terms and service vary by broker
Canada note
Business policies are arranged through independent insurance brokers rather than bought online from Intact directly; the broker handles quotes, renewals, changes and claim support. Intact's construction coverage is split into Contractor and Project Construction packages.
Zensurance
Tier A · ListedToronto online insurance brokerage for Canadian small businesses and contractors, a Travelers subsidiary
Zensurance is a licensed insurance brokerage founded in Toronto in 2016 that sells small business insurance through online applications backed by licensed brokers. It says it works with a partner network of more than 50 insurance providers and is trusted by 100,000+ Canadian small businesses. The Travelers Companies lists Zensurance Inc. and Zensurance Brokers Inc. among its subsidiaries as of December 31, 2025, and they were not among the Canadian insurers Travelers sold on January 2, 2026.
Pros
- + Licensed brokerage with online quoting plus licensed brokers for advice and claims support
- + Says it works with more than 50 insurance providers
- + Published starting point for contractors: from $450 a year for a basic $2M CGL policy
- + Contractor coverages include CGL, tools and equipment, pollution liability, builder's risk and installation floater
Cons
- − No Quebec location page; confirm coverage if you work in Quebec
- − Starting prices are minimums; Zensurance says actual rates vary by business profile
- − Insurer partners are not named on the pages we read
- − A subsidiary of insurer Travelers; ask which insurer each quote comes from
Canada note
Zensurance's contractor page says contractor insurance starts from $450 a year for a basic CGL policy with a $2M limit for a small or medium-sized business, and quotes start with a 5-minute online application; it does not say every policy can be bound online. Its site has location pages for Ontario, Alberta, British Columbia, Saskatchewan, Manitoba, Nova Scotia, New Brunswick, Newfoundland and Prince Edward Island, but none for Quebec. As a broker it places you with an insurer, and it does not name its insurer partners on the pages we read.
More Canada options
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