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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Running a business in Quebec means taking on risk—sometimes more than you realize. Whether you serve customers in-store, provide professional advice, or handle sensitive client data, one mistake or accident can turn into a lawsuit.
That’s where liability insurance comes in. Here’s what it covers, the types you should know, and how to make sure your business is protected.
What Liability Insurance Covers
Liability insurance protects your business when someone claims you caused harm—physically, financially, or digitally.
It typically covers:
- Bodily injury — A customer slips in your office and breaks an ankle.
- Property damage — A contractor accidentally floods a client’s home.
- Legal defense costs — Even if you’re not at fault, your insurer pays to defend you in court.
The goal isn’t just to pay for mistakes—it’s to keep your business running when things go wrong.
Types of Liability Insurance in Quebec
Not all liability policies are the same. Depending on your business type, you might need one or more of the following:
- General Liability Insurance → Covers physical injuries and property damage.
- Professional Liability (Errors & Omissions) → Protects consultants, agencies, and service providers if advice or mistakes cause a client financial loss.
- Product Liability → Covers damages caused by a product you sell or manufacture.
- Cyber Liability → Helps recover from data breaches, hacks, or cyberattacks involving client information.
Each type addresses different risks—but together, they form the foundation of a strong business protection plan.
Why It’s Essential for Quebec Businesses
In Quebec’s legal system, even small claims can lead to major expenses.
A single lawsuit can easily reach tens of thousands of dollars once legal fees are factored in. And unlike other provinces, Quebec’s civil law system can make liability disputes more complex—so having clear, customized coverage is key.
Liability insurance isn’t just for large corporations.
If you have a storefront, offer a service, rent a space, or employ staff—it applies to you.
How KBD Helps You Get It Right
At KBD Insurance, we simplify liability coverage for Quebec businesses.
We help you:
- Identify the specific risks your company faces
- Compare coverage options from multiple insurers
- Avoid overpaying for protection you don’t need
Because the best liability insurance isn’t the cheapest—it’s the one that’s there when you need it.
Wrap Up
Protect your business before something goes wrong.
Get a free liability insurance quote or review today at kbdinsurance.com — trusted by Quebec entrepreneurs for over 40 years.