Distributor and e-commerce insurance quotes in Montreal & across the province of Quebec
Find the best business insurance rates for your distribution company
KBD is a Montreal commercial insurance broker that provides property and liability insurance to distribution and e-commerce companies located within the province of Quebec.

Comparing rates from Canada’s leading distribution business insurance companies
Coverage if your company’s product is deemed liable for causing damage to another person or someone else’s property.
Protection of your assets against common perils like fire, water, theft, earthquakes and more.
Essential coverage if you’re an e-commerce company, this protects your business’s web platform from cyber attacks.
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 a distributor & wholesaler insurance quote today
Montreal distribution insurance FAQs
How much does distribution business insurance in Montreal cost?
As with all other insurance products, there’s no fixed cost when it comes to distributor and wholesaler insurance. Your annual premium depends on a few factors:
- Your business’ annual revenue (how much product you sell per year)
- The value of your storage/distribution facility (if you own it)
- The amount of stock or product you generally have on hand at one time
- The type of product you sell and to which countries you sell the product
How do I get a business insurance quote for my distribution company in Montreal?
There are 2 ways to get a quote for your company.
- Get an online quote (which you can do on this page).
- Call a commercial insurance broker like KBD or a direct insurance company like Desjardins Insurance.
Depending on the complexity of your wholesale business, most direct insurance companies will not be able to provide you with a business insurance quote. This is why we suggest quoting with brokers like KBD; we have access to multiple distribution business insurance companies in Montreal.
Why do buyers require my distribution company to carry commercial general liability insurance?
Buyers require commercial general liability (CGL Insurance) in case a product you sell causes bodily injury or property damage to one of the buyer’s customers. This logic can become complex, so we invite you to visit our blog post titled Why Distribution & Wholesale Businesses Need Insurance which goes into further detail.
Does KBD offer distribution insurance quotes online?
Yes, we certainly do! Getting an online distributor commercial insurance quote is a great way to give yourself an idea of the annual cost. We suggest filling out the form first on our partner website, Intact Insurance, and following this up with a KBD professional.
What's included in a distributor and wholesaler business insurance coverage?
It’s easy to tailor an insurance policy to fit your business’ needs. If you’re a new wholesaler, you may only need commercial general liability insurance, which protects your company from product liability. If you’re a company that’s been around for years, a more complete policy may be suitable.
Here are some core coverages a distributor needs for business insurance
- Marine Cargo Insurance – protects your stock if it’s being shipped overseas by boat or air.
- Product Liability – protects your business in the event your product harms another person or entity.
- Property Insurance – protects your building, contents and stock from the usual insurance perils like fire, water and theft.
- Business Interruption – covers the profits of your business after a claim.
- Cyber Insurance – important if you are an e-commerce distributor, this coverage protects your business and its technology from cyber attacks.
Does KBD provide commercial insurance to e-commerce distribution companies in Montreal?
Of course! E-commerce companies require the same insurance coverage as industrial distributors. The only difference is an e-commerce company places more emphasis on the web platform. Purchasing a cyber insurance policy will cover all angles.
How do I lower the cost of my distribution business insurance in Montreal?
Here are great ways to lower your distributor commercial insurance cost:
- Avoid making small claims.
- Increase your deductible.
- Ensure your manufacturers carry their own CGL Insurance policy.
- When possible, don’t re-package the product before selling to the end customer. This will lower your liability exposure.
How much does distribution business insurance in Montreal cost?
As with all other insurance products, there’s no fixed cost when it comes to distributor and wholesaler insurance. Your annual premium depends on a few factors:
- Your business’ annual revenue (how much product you sell per year)
- The value of your storage/distribution facility (if you own it)
- The amount of stock or product you generally have on hand at one time
- The type of product you sell and to which countries you sell the product
What's included in a distributor and wholesaler business insurance coverage?
It’s easy to tailor an insurance policy to fit your business’ needs. If you’re a new wholesaler, you may only need commercial general liability insurance, which protects your company from product liability. If you’re a company that’s been around for years, a more complete policy may be suitable.
Here are some core coverages a distributor needs for business insurance
- Marine Cargo Insurance – protects your stock if it’s being shipped overseas by boat or air.
- Product Liability – protects your business in the event your product harms another person or entity.
- Property Insurance – protects your building, contents and stock from the usual insurance perils like fire, water and theft.
- Business Interruption – covers the profits of your business after a claim.
- Cyber Insurance – important if you are an e-commerce distributor, this coverage protects your business and its technology from cyber attacks.
How do I get a business insurance quote for my distribution company in Montreal?
There are 2 ways to get a quote for your company.
- Get an online quote (which you can do on this page).
- Call a commercial insurance broker like KBD or a direct insurance company like Desjardins Insurance.
Depending on the complexity of your wholesale business, most direct insurance companies will not be able to provide you with a business insurance quote. This is why we suggest quoting with brokers like KBD; we have access to multiple distribution business insurance companies in Montreal.
Does KBD provide commercial insurance to e-commerce distribution companies in Montreal?
Of course! E-commerce companies require the same insurance coverage as industrial distributors. The only difference is an e-commerce company places more emphasis on the web platform. Purchasing a cyber insurance policy will cover all angles.
Why do buyers require my distribution company to carry commercial general liability insurance?
Buyers require commercial general liability (CGL Insurance) in case a product you sell causes bodily injury or property damage to one of the buyer’s customers. This logic can become complex, so we invite you to visit our blog post titled Why Distribution & Wholesale Businesses Need Insurance which goes into further detail.
How do I lower the cost of my distribution business insurance in Montreal?
Here are great ways to lower your distributor commercial insurance cost:
- Avoid making small claims.
- Increase your deductible.
- Ensure your manufacturers carry their own CGL Insurance policy.
- When possible, don’t re-package the product before selling to the end customer. This will lower your liability exposure.
Does KBD offer distribution insurance quotes online?
Yes, we certainly do! Getting an online distributor commercial insurance quote is a great way to give yourself an idea of the annual cost. We suggest filling out the form first on our partner website, Intact Insurance, and following this up with a KBD professional.
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.