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 run a small business in Quebec, insurance isn’t just paperwork—it’s your safety net when things go wrong.
Whether you’re a contractor, café owner, freelancer, or retail operator, the right coverage can mean the difference between recovery and closure. Here’s what every Quebec entrepreneur should know about building smart, effective small business insurance.
The Essential Coverages Every Quebec Business Needs
Every business is different—but most small businesses in Quebec need the same foundation of protection.
1. General Liability Insurance
Protects you if someone sues for bodily injury or property damage caused by your business.
2. Commercial Property Coverage
Covers your workspace, tools, equipment, or inventory—whether you rent or own.
3. Business Interruption Insurance
Replaces lost income if you’re forced to shut down temporarily after a fire, flood, or other covered loss.
Beyond these, some businesses should also consider:
- Cyber Insurance for data breaches or online risks
- Errors & Omissions (E&O) for service-based professionals
- Subcontractor Liability if you hire or outsource work regularly
The Risk of Going “Cheap”
Many small business owners buy insurance online because it’s fast and inexpensive—but that convenience can cost you later.
Cheap, cookie-cutter policies often skip crucial protections, limit payouts, or fail to ask key questions about how your business actually operates.
That’s why working with a Quebec-based broker is so important. A good broker doesn’t just sell you a policy—they learn your business, compare multiple insurers, and build coverage that fits your real risks.
Why Working With a Local Broker Matters
Quebec’s insurance market has its own nuances—from bilingual contracts to provincial regulations and varying insurer appetites.
At KBD Insurance, we help small business owners across Quebec find coverage that’s practical, affordable, and complete. We ask the right questions, explain what’s included (and what’s not), and ensure your limits make sense for your industry.
Whether you’re in Montreal, Laval, Quebec City, or beyond, our goal is simple: to protect what you’ve built—without cutting corners.
FAQs
Q: What kind of insurance does a small business need in Quebec?
A: Most need liability, property, and business interruption coverage. Depending on your industry, cyber and professional liability may also be essential.
Q: How much does small business insurance cost in Quebec?
A: Basic policies start around $750–$1,000 per year, depending on your coverage needs, staff, and risk exposure.
Q: Is business insurance mandatory?
A: It’s not legally required for all businesses, but landlords, lenders, or contracts often require proof of coverage.
Wrap Up
Don’t let gaps in coverage put your business at risk.
Get a free quote or policy review from KBD Insurance—Quebec’s trusted broker for entrepreneurs and small business owners.