Home, car &business insurance

We’re an insurance broker.

An insurance company can choose to underwrite only (like Intact) OR underwrite and sell policies (like Desjardins). The latter is referred to as a direct insurance company, the former a broker insurance company.

Companies that work with broker insurance companies are known as — you guessed it — brokers! That’s what KBD is.

We offer insurance quotes online and we compare quotes from different insurance companies to find you the best rate. With us, you get to speak to a real human to help get you covered with confidence instead of purchasing 100% online.

As a Canadian insurance broker, we collect a commission from each insurance company we work with. We’re paid each year every time one of our clients’ policies renews. Commissions range from 12.5% – 20% on home and car insurance and from 10% – 25% on commercial insurance policies.

No, but it’s not more expensive either.

Insurance has several business models, the broker model being one of them.

Insurance companies go through cycles based on past business. That means an insurance provider that is cheap one year might be expensive the next, and vice versa. That’s why we operate as a broker, providing insurance from multiple companies. It’s also why we recommend that our clients shop around every few years. That’s the best way to find the best rates.

Intact is the insurer we mainly do business with for home & car insurance clients and with whom we have financial ties.

Here’s how you can buy two types of insurance.

Personal Lines (home, car, condo, tenant, motorcycle) 

Option 1: Compare quotes online from Intact, Economical, and L’Unique. Then finalize your policy with a broker.

Option 2: Call us directly for a quote and finalize your policy over the phone.

Commercial Lines

Option 1: Get a quote online from Intact, Economical, L’Unique, Lloyd’s, CFC Underwriting & others. Then finalize your policy with one of our commercial insurance brokers. This is recommended for small businesses (under 500K of annual revenue).

Option 2: Call us directly for a quote and finalize your policy over the phone. Be prepared with a copy of your current insurance policy to make sure the quote we offer you is comparable in coverage to your old one. We can provide business insurance to you even if it’s your first policy.

Yes! We’re licensed to sell in Quebec and in Ontario…for now! 

We plan to expand throughout Canada. Our goal is to be a national insurance broker, having a presence in each province, within 5 years.

The insurance industry is big enough for insurance brokers and direct insurance companies to coexist. There will always be those that prefer one and those that prefer the other.

If you like options, choose a broker.

If you like the personalized service of dealing with the same group of people every time, a broker is for you.

If you want access to a particular insurance company — like Intact — that only offers coverage through a broker, go with a broker.

And if, based on your profile, a broker turns out to have cheaper quotes available to you than a direct insurance company, then obviously, go with a broker.

At the end of the day it comes down to personal preference and the price in front of you.