Find the best business insurance rates for your distribution company

KBD is a Canadian commercial insurance broker that provides property and liability insurance to distribution and e-commerce companies located within the provinces of Quebec & Ontario.

Comparing rates from Canada’s leading distribution business insurance companies
Distributor insurance coverage we provide
Product liability

Coverage if your company’s product is deemed liable for causing damage to another person or someone else’s property.

Property

Protection of your assets against common perils like fire, water, theft, earthquakes and more.

Cyber

Essential coverage if you’re an e-commerce company, this protects your business’s web platform from cyber attacks.

Speak with the same expert every time you call

Your own dedicated representative.

If you are looking for peace of mind and to save time – you need someone who knows how to handle your affairs. KBD provides each customer with the same dedicated commercial insurance expert to handle all your insurance needs.

Our clients say it best

More than 600 5-star reviews on
Leah N.
“Great service, very easy and well explained procedures and information needed for insurance. Jordan was great to work with, and had excellent communication skills. 10/10 recommend.”
Shawn B.
“Greg is always making sure all my insurance needs are covered. Excellent service and very responsive.. thanks again!”
Nathan T.
“My first time ever getting insurance for a car and it was super simple. I spoke to Erika who was super nice and answered all my questions, and provided everything I needed!”
Brian B.
“Great experience. As a new to Quebec driver who just bought a car I got my insurance processed over the phone in less than 20 minutes. Very efficient, easy to understand and good coverage.”

Get a distributor & wholesaler insurance quote today

Amazon seller insurance FAQs

How much does distribution business insurance in Canada 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 Canada?

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 Canada?

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 Canada?

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 Canada 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 Canada?

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 Canada?

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 Canada?

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.