As president of KBD, Curtis aims to simplify insurance for his clients. He’s helped lead KBD to become one of Canada’s fastest 400 growing companies according to the Globe & Mail.
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If you own a business in Quebec, you already know that risk is part of the game—but the right commercial insurance makes all the difference.
From property damage to lost income, your policy needs to match how your business actually operates. Here’s what to know before you renew or buy your next commercial insurance policy.
Why Commercial Insurance in Quebec Is Different
Commercial insurance in Quebec isn’t one-size-fits-all—and that’s where many business owners get caught.
Policies often miss essential protections like business interruption coverage (to replace lost revenue if you’re forced to close), or equipment protection for tools and machinery that keep your operations running. Some don’t even reflect major updates, like renovations or expansions, leaving you underinsured when it matters most.
On top of that, Quebec adds its own complexities that national insurers don’t always account for. If your broker doesn’t understand how the province works, you could be left with dangerous gaps.
That’s why working with a Quebec-based commercial broker matters—they know the risks, the regulations, and how to build coverage that fits your exact business model.
What Every Business Policy Should Include
Every business is different, but there are a few must-have coverages most Quebec companies should review:
- Business Interruption: Covers income loss if your business must close due to damage or disaster.
- Commercial Property: Protects your building, equipment, inventory, or leased space.
- General Liability: Covers lawsuits or claims if someone is injured or property is damaged.
- Professional Liability: Essential for service-based industries and professionals.
- Cyber Insurance: Increasingly important for businesses handling customer data.
At KBD Insurance, we don’t just sell a policy—we help business owners understand what’s covered, what’s missing, and how to tailor it to their operation. For over 40 years, we’ve helped Quebec entrepreneurs get insured the right way.
FAQs
Q: What makes commercial insurance in Quebec unique?
A: Quebec has distinct zoning, civil law regulations, and insurer requirements that affect how coverage is written and claims are handled.
Q: How much does business insurance cost in Quebec?
A: Policies typically start around $750/year for small businesses, depending on your industry, size, and coverage limits.
Q: Can I buy commercial insurance online?
A: Yes—but online options are often generic and miss important coverage details. A broker ensures your policy reflects your real risks.
Wrap Up
Don’t settle for generic coverage. Get a free policy quote from KBD Insurance—Quebec’s trusted commercial insurance broker for over 40 years, helping local businesses stay protected and compliant.