Our company structure

The KBD experience

Let us start by explaining our business model. Many people are confused when it comes to finding out who they are actually insured with. “Am I insured with Intact? Or am I insured with KBD Insurance?” The answer to this is simple. KBD is the insurance broker and Intact is the Insurance company. Simply put, you are insured with Intact through KBD Insurance. We are the intermediary between Intact and yourself, the client. In short, we take care of the sales and services, and Intact handle all claims. We choose to do business solely with Intact when it comes to home and auto insurance for two main reasons:

• They are Canada’s leading Insurance provider
• Year after year, Intact ranks among the highest in customer satisfaction when it comes to claims

Take a look at the diagram below to see the difference between a direct insurance company and a broker insurance company.

Our business model

Example: You’re a client with KBD Insurance, you had an automobile claim, and it’s been three days without your car because the damages are being repaired. You are confused with regards to how the claim is being handled. This is where KBD steps in and can help shed light on the situation. We will speak to the right person at Intact and clarify or fix any issues that may arise.