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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There are hundreds of insurance options in Quebec, so why work with a broker—especially one based in Montreal? Simple: a broker works for you, not the insurance company.
Instead of pushing one product, brokers shop the market, explain coverage in plain language, and protect you from gaps that direct providers miss.
What Montreal Insurance Brokers Actually Do
A good broker isn’t tied to one insurer—they’re your advocate. Here’s how a local broker makes a difference:
- Shop the market → compare quotes from multiple insurers, not just one.
- Simplify coverage → break down policies into clear, simple terms.
- Understand local risks → sewer backup, theft, flat-roof homes, and rebuild costs unique to Montreal.
- Help across needs → whether you’re buying your first home, running a small business, or looking to update a condo policy.
- Claims support → if something goes wrong, a broker is there to assist, explain your options, and help you navigate the process.
Why Local Expertise Matters in Montreal
Montreal homes and businesses face challenges other regions don’t.
- Historic areas like Plateau or Rosemont often come with aging construction that raises rebuild costs—proof that your home insurance needs to reflect local realities, not just market price.
- Flood-prone zones such as Pierrefonds and Dorval highlight why sewer backup coverage is essential.
- Dense neighbourhoods increase liability risks if a fire or accident spreads.
- Small businesses—from Mile End cafés to West Island contractors—often need tailored liability or business interruption coverage that an online quote can’t capture.
This is where an insurance broker adds real value: spotting risks before they become expensive mistakes.
FAQs
Q: What’s the difference between a broker and a direct insurer?
A: Direct insurers only offer their own products. Brokers shop multiple companies to give you better options, advice, and flexibility.
Q: Do brokers cost more?
A: No. Brokers are paid by insurers, so your premium is the same—or sometimes less—than going direct.
Q: What makes Montreal brokers different?
A: Local knowledge. Sewer backup, strict zoning rules, and winter damage are unique challenges here. A Montreal broker knows which coverages you can’t skip.
Wrap-Up
Looking for a Montreal insurance broker who actually works for you?
At KBD Insurance, we’ve helped homeowners and businesses for over 40 years.
Get a free quote today—local expertise you can trust.