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? Lloyd’s? Or am I insured with KBD Insurance?” The answer to this is simple. KBD is the insurance broker, the middleman between you and the Insurance company. We handle the sales and service aspect of your insurance policy, and the insurance company handles the claims portion. We choose to do business primarily with Intact and Lloyd’s when it comes to commercial, home and auto insurance for three main reasons:

• They are Canada’s leading Insurance providers
• Year after year, Intact ranks among the highest in customer satisfaction when it comes to claims in car and home insurance.
• Lloyd’s is one of the world’s leaders in reinsurance, and Canada’s main reinsurer. In lay man’s terms, Lloyd’s provides insurance to many of Canada’s insurance companies to help pay for large natural catastrophe’s.

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 commit to make all efforts to clarify or fix issues that may arise.