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Work with a registered Ontario insurance broker to find the best rates

KBD is an Ontario insurance broker with 40+ years of industry expertise.

We provide home, car and business insurance to Ontario clients through a fast and modern service.

Compare rates from leading Canadian insurance companies
Small business insurance products we provide
Business liability insurance

Starting a business in Ontario? Liability insurance is a baseline coverage that all small businesses should have. Make sure that you’re properly insured with the right amount of coverage.

Commercial property insurance

This coverage protects your small business’ assets against damages related to fire, theft, water and more.

Cyber insurance

Cyber insurance is important for companies that have an online presence of any kind. We can insure your online assets so that you’re covered in the event of a data breach.

KBD clients say it best.

See over 600 5-star reviews on Google.
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 quote for your Ontario small business insurance today.

Insurance for small businesses in Ontario - FAQs

Why purchase small business insurance with KBD?

As a small business owner, there are a few advantages of working with a commercial insurance broker like KBD. 

For example, here are just a few of the benefits:

  • Time and cost savings: As commercial insurance brokers, we can save you time and money by helping you find the best insurance policies at the most competitive prices. We can also negotiate with insurance companies on your behalf, helping you secure better rates and coverage.
  • Risk management: It’s our job to help you identify and mitigate potential risks to your business. We can provide you with advice on safety measures and best practices that can reduce the likelihood of insurance claims.
  • Claims assistance: If you need to make an insurance claim, a commercial insurance broker can provide you with support and guidance throughout the process. We can help you file your claim and negotiate with insurance companies to ensure that you receive the compensation you deserve.

Looking for a small business insurance broker?

Call us.

Which companies have the best small businesses insurance in Ontario?

Looking for the best insurance for your small business in Ontario?

We don’t blame you. 

After all, who wouldn’t want the best of the best when protecting their business?

In Ontario, some popular options include Intact Insurance, Desjardins, and Economical Insurance. As always, the best way to find the right coverage for you is to do your research, compare quotes, and find the company that works best for you. 

A commercial insurance broker like KBD can help you to do this hassle free (we shop & compare the market for you).

With the right coverage, you’ll have the peace of mind to face any challenges that come your way when starting a small business in Ontario, from minor setbacks to major catastrophes. 

Ready for a small business insurance quote?

Call us.

What types of coverage should all small businesses have?

Good question!

Buying insurance for a company is a bit different than shopping for your own personal needs. 

For small business owners in particular, we have a few specific recommendations. 

  • General liability insurance: This covers things like bodily injury and property damage. The amount you should purchase depends on the type of business you run, and its annual revenue. 
  • Property insurance: This covers your equipment and commercial buildings for damages in the event of an insurance claim. 
  • Business interruption insurance: If your business operations are shut down temporarily, this can cover loss of income, fixed expenses, relocation costs, and more.   
  • Cyber insurance: This is an important coverage in this digital age – and not just for tech companies! If your small business stores any assets online, it’s a good idea to get cyber insurance. 

Ready to get your small business insured? 

Call us.

What insurance do I need for a small business in Ontario?

Whether you’re an existing business owner, or you’re starting a small business in Ontario for the first time, it’s important to have commercial insurance in place. 

As for business insurance coverage, there are a few types you’ll want to consider:

    1. General liability insurance: This protects you from lawsuits related to bodily injury or property damage. General liability for small businesses is a minimum baseline coverage that all businesses should have in place. 
    2. Commercial property insurance: Property insurance is an important coverage to have, as it protects the buildings you do business in. 
    3. Business interruption insurance: If for any reason, your business operations are halted, this coverage pays out for loss of income, and more. 
    4. Cyber insurance:  If your business has any kind of digital footprint, cyber insurance can be an important coverage to get. Just think – how long would it take your business to get back up and running if there was a data loss or security breach?

Need insurance for your small business located in Ontario?

Call us.

What questions should I ask when looking for small business insurance?

On the hunt for small business insurance?

Be sure to ask your broker about what kind of coverage is included, the cost of the policy, and any deductibles or limits that may apply. 

It’s also important to ask about the claims process. And don’t be afraid to get specific – ask about coverage for specific risks, like cyber-attacks or natural disasters.

This way, you’ll know exactly what you’re covered for, and what processes to take in the event that you need to make an insurance claim. 

Looking for a business insurance quote?

Call us.

How much does small business insurance cost?

The cost of small business insurance is kind of like the price of a cup of coffee: it depends on what you get and where you go. 

Here are some factors that influence the cost to insure your small business insurance in Ontario:

  • Type of coverage needed (espresso shot or full latte?)
  • Industry and business size (small or grande?)
  • Location and coverage area (downtown or suburbs?)
  • Claims history and risk profile (spills and stains?)
  • Deductible and coverage limits (size of the cup?)
  • Number of employees and payroll (solo or team effort?)
  • Coverage bundling and discounts (rewards program?)

The bottom line is that the cost can vary a lot, so if you’re searching for cheap business insurance,  it’s worth shopping around to find the best deal.

Need an insurance quote for your business?

Call us.

Why purchase small business insurance with KBD?

As a small business owner, there are a few advantages of working with a commercial insurance broker like KBD. 

For example, here are just a few of the benefits:

  • Time and cost savings: As commercial insurance brokers, we can save you time and money by helping you find the best insurance policies at the most competitive prices. We can also negotiate with insurance companies on your behalf, helping you secure better rates and coverage.
  • Risk management: It’s our job to help you identify and mitigate potential risks to your business. We can provide you with advice on safety measures and best practices that can reduce the likelihood of insurance claims.
  • Claims assistance: If you need to make an insurance claim, a commercial insurance broker can provide you with support and guidance throughout the process. We can help you file your claim and negotiate with insurance companies to ensure that you receive the compensation you deserve.

Looking for a small business insurance broker?

Call us.

What insurance do I need for a small business in Ontario?

Whether you’re an existing business owner, or you’re starting a small business in Ontario for the first time, it’s important to have commercial insurance in place. 

As for business insurance coverage, there are a few types you’ll want to consider:

    1. General liability insurance: This protects you from lawsuits related to bodily injury or property damage. General liability for small businesses is a minimum baseline coverage that all businesses should have in place. 
    2. Commercial property insurance: Property insurance is an important coverage to have, as it protects the buildings you do business in. 
    3. Business interruption insurance: If for any reason, your business operations are halted, this coverage pays out for loss of income, and more. 
    4. Cyber insurance:  If your business has any kind of digital footprint, cyber insurance can be an important coverage to get. Just think – how long would it take your business to get back up and running if there was a data loss or security breach?

Need insurance for your small business located in Ontario?

Call us.

Which companies have the best small businesses insurance in Ontario?

Looking for the best insurance for your small business in Ontario?

We don’t blame you. 

After all, who wouldn’t want the best of the best when protecting their business?

In Ontario, some popular options include Intact Insurance, Desjardins, and Economical Insurance. As always, the best way to find the right coverage for you is to do your research, compare quotes, and find the company that works best for you. 

A commercial insurance broker like KBD can help you to do this hassle free (we shop & compare the market for you).

With the right coverage, you’ll have the peace of mind to face any challenges that come your way when starting a small business in Ontario, from minor setbacks to major catastrophes. 

Ready for a small business insurance quote?

Call us.

What questions should I ask when looking for small business insurance?

On the hunt for small business insurance?

Be sure to ask your broker about what kind of coverage is included, the cost of the policy, and any deductibles or limits that may apply. 

It’s also important to ask about the claims process. And don’t be afraid to get specific – ask about coverage for specific risks, like cyber-attacks or natural disasters.

This way, you’ll know exactly what you’re covered for, and what processes to take in the event that you need to make an insurance claim. 

Looking for a business insurance quote?

Call us.

What types of coverage should all small businesses have?

Good question!

Buying insurance for a company is a bit different than shopping for your own personal needs. 

For small business owners in particular, we have a few specific recommendations. 

  • General liability insurance: This covers things like bodily injury and property damage. The amount you should purchase depends on the type of business you run, and its annual revenue. 
  • Property insurance: This covers your equipment and commercial buildings for damages in the event of an insurance claim. 
  • Business interruption insurance: If your business operations are shut down temporarily, this can cover loss of income, fixed expenses, relocation costs, and more.   
  • Cyber insurance: This is an important coverage in this digital age – and not just for tech companies! If your small business stores any assets online, it’s a good idea to get cyber insurance. 

Ready to get your small business insured? 

Call us.

How much does small business insurance cost?

The cost of small business insurance is kind of like the price of a cup of coffee: it depends on what you get and where you go. 

Here are some factors that influence the cost to insure your small business insurance in Ontario:

  • Type of coverage needed (espresso shot or full latte?)
  • Industry and business size (small or grande?)
  • Location and coverage area (downtown or suburbs?)
  • Claims history and risk profile (spills and stains?)
  • Deductible and coverage limits (size of the cup?)
  • Number of employees and payroll (solo or team effort?)
  • Coverage bundling and discounts (rewards program?)

The bottom line is that the cost can vary a lot, so if you’re searching for cheap business insurance,  it’s worth shopping around to find the best deal.

Need an insurance quote for your business?

Call us.