Commercial property insurance quotes in Montreal & across the province of Quebec
Find the best commercial property insurance rates
KBD is a commercial property insurance broker in Montreal with 40+ years of experience in the industry.
We provide commercial property Insurance for businesses, landlords and real estate companies located in the province of Quebec.

Comparing rates from Canada’s leading commercial property insurance companies
Coverage in the event your company or building is held responsible for causing third-party bodily injury.
Coverage for fire, earthquake, vandalism, rental income and more.
Protection that covers your commercial property against water damage, sewer back-up or mass floods.
What our users say


Just changed over to KBD and the service was great!! Spoke with Devon over the phone and she was very polite, professional and patient with all my questions. Highly recommend KBD. Thank you Devon!!

Excellent service by Devon. She was able to offer me an incredible annual fee for my car insurance in comparison to what I am currently paying. She was very polite, professional and I really appreciated her patience she had with me. I would highly recommend this company. Keep up the good work Devon, Thanks again!

Our broker was Spencer, He was helpful and friendly, and the second Amazing experience with KBD, I got the best price and a quick service.
Brad was my insurance wizard. He managed to get me a great rate for my first brand new car!
Great service and a better staff and thanks to Spenser and David you guys were super helpful and thanks to the other guys I talked to
Get your commercial property insurance quote today
Montreal commercial property insurance FAQs
What is commercial property insurance?
Coverage to protect your physical assets from perils such as fire, water, vandalism, earthquakes and more. If your business owns physical assets like a building or office equipment, you should insure them. If your company rents or leases equipment, the rental company may require you to have your own individual policy.
Property insurance is divided into several subsections:
- Building
- Contents (like office equipment)
- Stock (products in storage waiting to be sold)
- Equipment (like machinery)
- Tools (for example, if you’re a contractor)
How much is commercial property insurance in Montreal?
There is no fixed cost for business property insurance; it depends on several factors:
- Factors for building property insurance:
- Your tenants – restaurant tenants are considered higher risk, meaning more expensive premiums in comparison to a metal shop.
- Construction material of the building – concrete buildings pay less in insurance compared to a wood structure given the risk of catching fire.
- Congestion – A building located downtown Montreal will pay a higher insurance cost than a standalone building in the suburbs.
- Factors for contents, stock and equipment property insurance:
- The type of assets you carry – if you sell cell phones (high theft items), you can expect higher insurance premiums than the business selling industrial shelving.
How do I lower my commercial property insurance cost in Montreal?
If possible, don’t store high-theft items like golf clubs, clothes, cell phones, computers and laptops. If you do store them, make sure they are hidden and locked away.
Increase your deductible.
Install a central monitored theft alarm that also includes motion sensors.
Try to avoid making small claims.
What does commercial property insurance cover me for? (H3)
- Fire
- Theft
- Vandalism
- Water
- Flood
- Earthquake
- Hail / wind
- Lightning
- Smoke
Who pays for the building insurance on commercial property – the landlord or the tenant?
It depends on the lease agreement; sometimes it’s the tenant and sometimes it’s the landlord.
Who needs commercial building insurance?
Any company that owns physical assets should purchase a commercial property insurance package.
What are the best commercial property insurance companies in Montreal?
There are too many to choose from! Companies that have a solid financial standing and rank high in terms of customer satisfaction when it comes to claims include:
- Intact Insurance
- Lloyd’s
- Desjardins
- La Capitale
How do I get a commercial building insurance quote online?
It’s becoming commonplace for commercial property insurance companies in Montreal to offer online quotes. However, not all companies offer this service. Here are two that do:
- Intact Insurance
- Desjardins
KBD works closely with Intact Insurance, so get your online quote by clicking the link on this page!
How do I get cheap commercial property insurance in Montreal?
Have good credit – Businesses with good credit pay less on their insurance.
Shop around – Before you buy a policy, shop around online and inform yourself. Premiums can vary greatly from one insurer to the next.
Be informed – The more information you can provide about your business’ contents, building, stock, equipment and tools, the better. Insurance underwriters who don’t have a clear picture of what they’re insuring are less likely to give cheap commercial property insurance rates.
What is commercial property insurance?
Coverage to protect your physical assets from perils such as fire, water, vandalism, earthquakes and more. If your business owns physical assets like a building or office equipment, you should insure them. If your company rents or leases equipment, the rental company may require you to have your own individual policy.
Property insurance is divided into several subsections:
- Building
- Contents (like office equipment)
- Stock (products in storage waiting to be sold)
- Equipment (like machinery)
- Tools (for example, if you’re a contractor)
Who needs commercial building insurance?
Any company that owns physical assets should purchase a commercial property insurance package.
How much is commercial property insurance in Montreal?
There is no fixed cost for business property insurance; it depends on several factors:
- Factors for building property insurance:
- Your tenants – restaurant tenants are considered higher risk, meaning more expensive premiums in comparison to a metal shop.
- Construction material of the building – concrete buildings pay less in insurance compared to a wood structure given the risk of catching fire.
- Congestion – A building located downtown Montreal will pay a higher insurance cost than a standalone building in the suburbs.
- Factors for contents, stock and equipment property insurance:
- The type of assets you carry – if you sell cell phones (high theft items), you can expect higher insurance premiums than the business selling industrial shelving.
What are the best commercial property insurance companies in Montreal?
There are too many to choose from! Companies that have a solid financial standing and rank high in terms of customer satisfaction when it comes to claims include:
- Intact Insurance
- Lloyd’s
- Desjardins
- La Capitale
How do I lower my commercial property insurance cost in Montreal?
If possible, don’t store high-theft items like golf clubs, clothes, cell phones, computers and laptops. If you do store them, make sure they are hidden and locked away.
Increase your deductible.
Install a central monitored theft alarm that also includes motion sensors.
Try to avoid making small claims.
How do I get a commercial building insurance quote online?
It’s becoming commonplace for commercial property insurance companies in Montreal to offer online quotes. However, not all companies offer this service. Here are two that do:
- Intact Insurance
- Desjardins
KBD works closely with Intact Insurance, so get your online quote by clicking the link on this page!
What does commercial property insurance cover me for? (H3)
- Fire
- Theft
- Vandalism
- Water
- Flood
- Earthquake
- Hail / wind
- Lightning
- Smoke
How do I get cheap commercial property insurance in Montreal?
Have good credit – Businesses with good credit pay less on their insurance.
Shop around – Before you buy a policy, shop around online and inform yourself. Premiums can vary greatly from one insurer to the next.
Be informed – The more information you can provide about your business’ contents, building, stock, equipment and tools, the better. Insurance underwriters who don’t have a clear picture of what they’re insuring are less likely to give cheap commercial property insurance rates.
Who pays for the building insurance on commercial property – the landlord or the tenant?
It depends on the lease agreement; sometimes it’s the tenant and sometimes it’s the landlord.
Thanks Matt for being so helpful in setting me up with car insurance. All my questions were answered, and the rates are great. I appreciate your help and for making this part of my purchase so easy.