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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Before you make a costly insurance decision, make sure you’ve explored all your options—especially if you live in Quebec.
A good insurance broker doesn’t just give you a quote. They shop the market, explain your options, and tailor a policy that actually fits your needs. Here’s why working with a local expert like KBD Insurance makes all the difference.
What a Broker Actually Does
An insurance broker isn’t tied to one company—they work for you.
That means they can compare pricing and coverage from multiple insurers to find the right protection for your situation.
In Quebec, that flexibility matters more than ever because:
- Policies must reflect rebuild value, not market value
- Flood and sewer backup coverage aren’t included by default
- Extreme weather events and harsh winters create added risks
A broker helps you navigate all of this by asking the right questions and customizing your coverage—so you’re protected when it matters, not just on paper.
Why Quebec Homeowners and Businesses Need Local Advice
Quebec’s insurance system is unique. From civil law to rebuild requirements, every detail can affect how your policy responds to a claim.
A local broker understands how the province works—whether you’re insuring a downtown condo, a suburban home, or a growing business.
At KBD Insurance, we’ve been helping Quebecers protect what matters for over 40 years. We take the time to explain your options, review your coverage regularly, and make sure your policy evolves as your life or business does.
FAQs
Q: What’s the difference between a broker and a direct insurer?
A: A broker offers choice. Direct insurers only sell their own products, while brokers compare multiple companies to get you better coverage for your needs.
Q: Does it cost more to use a broker in Quebec?
A: No. Brokers are paid by insurers, not clients—so you often get expert advice without paying extra.
Q: Why use a Quebec-based broker instead of a national one?
A: Local brokers understand Quebec-specific risks, language requirements, and regulations that affect both home and business insurance.
Wrap Up
Looking for trusted insurance advice in Quebec?
Talk to KBD Insurance—your local expert for home, auto, and business coverage. Get a free quote or policy review today and protect what matters most.