Find the best commercial insurance rates in Montreal

KBD is a Montreal commercial insurance broker with 40+ years of experience in the industry.

We offer business insurance coverage to small and medium sized companies located within the province of Ontario & Quebec.

Comparing rates from Canada’s leading business insurance companies
Commercial insurance broker coverage we provide
General Liability

Product liability insurance for small & medium sized businesses.

Property

Coverage applicable to your company’s: building, equipment, stock, office contents, etc. Insure against perils like fire, theft, water and more.

Professional liability

Used in business to protect against claims of negligence. Also commonly referred to as errors & omissions insurance.

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 500 5-stars 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 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 business insurance quote in Montreal today

Montreal business insurance FAQs

What is business insurance?

Business insurance, also referred to as commercial insurance, is designed to cover your company’s assets against common perils like fire, water and theft as well as liability. This is why the industry is commonly referred to as “property & casualty.”

How much does commercial insurance cost in Montreal?

The business insurance cost depends on multiple factors, and there is no “one-size-fits-all” when it comes to annual pricing. Here are some factors that will determine the annual pricing:

  • Your annual revenue
  • Your claims history
  • Your industry

If you’re a small start-up, you can expect to pay between $500-$5,000 per year, and if you’re a larger company with over 10 employees, you can expect to pay over $2,500 per year.

Where can I find the best business insurance in Montreal?

It really depends on the industry you work in. The best way to find the cheapest rates on commercial insurance is to shop around and inform yourself. You can do so by completing online business insurance quotes and by contacting different companies found within Quebec. Not all policies are created equal, so be sure to compare apples with apples when you are doing your homework.

What commercial insurance coverage does my business need?

Property and liability insurance. The most important protection a company requires is business liability insurance. If your product or service causes damage to a third party, you could be held liable, so it’s important to protect your company accordingly. Businesses should also consider covering their assets against fire, water and theft, the 3 most common business insurance property claims.

How do I get the best business insurance coverage in Montreal?

The more detail you provide to commercial insurance companies in Montreal the better they’ll understand your needs. It’s important to work with an individual who understands your company and the operations so that they can recommend the coverage your business requires. It’s also important to remember that not all insurance companies have the same appetite; prices can vary greatly from one company to the next, so keep that in mind when you’re shopping for commercial insurance.

What are the main protections in a commercial insurance policy?

It depends on the type of business insurance that you are looking for. If you require the bare minimum and are only looking to fulfill your landlord’s requirements, you may only want to have liability coverage. If your business is a large-scale operation, you may require broader protections, like cyber, property and commercial automobile insurance.

What is a commercial insurance broker?

A commercial insurance broker is the intermediary between the insurance company and the client. A broker can shop multiple insurance markets in order to find the best price and protections for different types of companies that work in an array of industries.

Is KBD a Montreal commercial insurance broker?

Yes, and we’ve been around since the 1970s. We deal with hundreds of business clients throughout the province of Quebec and we also provide insurance to a wide variety of industries. We place the majority of our clientele with Lloyd’s Insurance and Intact.

How do I get a commercial insurance quote in Montreal?

You can complete a business insurance quote online, or you can contact a company directly. If you call a business insurance broker in Montreal, they’re able to provide you with multiple offers from different commercial insurance companies. If you contact a “direct” insurance company (like Desjardins), they can only provide you with one insurance product.

How do I lower the cost of my Montreal business insurance policy?

  • Shop different insurance markets every 3-4 years (a broker can do this for you)
  • Increase your deductible.
  • Educate your employees on risk management.
  • Avoid making small claims.
  • Don’t treat your insurance policy like a maintenance package!

How do I get an online business insurance quote?

Not every company offers quotes online, but KBD does! We work with Intact Insurance as they are one of only a few who are able to provide online commercial insurance quotes. The form consists of 10 questions and takes less than 4 minutes to complete. After you submit your information, one of our brokers will contact you to answer any additional questions you may have.

How much business insurance do I need?

We always suggest insuring your assets at full value. In other words, if you own a building worth $1,000,000, you should insure it for $1,000,000. Having the proper amount of commercial insurance will protect your company from unforeseen events like a fire or a cyber attack. If you’re looking for commercial liability insurance only, we suggest purchasing $5,000,000 in coverage. Most landlords require this amount of coverage, and depending on the industry you work in, many of your clients may also require a minimum of $5,000,000 for you to win a project contract.

What is business insurance?

Business insurance, also referred to as commercial insurance, is designed to cover your company’s assets against common perils like fire, water and theft as well as liability. This is why the industry is commonly referred to as “property & casualty.”

What is a commercial insurance broker?

A commercial insurance broker is the intermediary between the insurance company and the client. A broker can shop multiple insurance markets in order to find the best price and protections for different types of companies that work in an array of industries.

How much does commercial insurance cost in Montreal?

The business insurance cost depends on multiple factors, and there is no “one-size-fits-all” when it comes to annual pricing. Here are some factors that will determine the annual pricing:

  • Your annual revenue
  • Your claims history
  • Your industry

If you’re a small start-up, you can expect to pay between $500-$5,000 per year, and if you’re a larger company with over 10 employees, you can expect to pay over $2,500 per year.

Is KBD a Montreal commercial insurance broker?

Yes, and we’ve been around since the 1970s. We deal with hundreds of business clients throughout the province of Quebec and we also provide insurance to a wide variety of industries. We place the majority of our clientele with Lloyd’s Insurance and Intact.

Where can I find the best business insurance in Montreal?

It really depends on the industry you work in. The best way to find the cheapest rates on commercial insurance is to shop around and inform yourself. You can do so by completing online business insurance quotes and by contacting different companies found within Quebec. Not all policies are created equal, so be sure to compare apples with apples when you are doing your homework.

How do I get a commercial insurance quote in Montreal?

You can complete a business insurance quote online, or you can contact a company directly. If you call a business insurance broker in Montreal, they’re able to provide you with multiple offers from different commercial insurance companies. If you contact a “direct” insurance company (like Desjardins), they can only provide you with one insurance product.

What commercial insurance coverage does my business need?

Property and liability insurance. The most important protection a company requires is business liability insurance. If your product or service causes damage to a third party, you could be held liable, so it’s important to protect your company accordingly. Businesses should also consider covering their assets against fire, water and theft, the 3 most common business insurance property claims.

How do I lower the cost of my Montreal business insurance policy?

  • Shop different insurance markets every 3-4 years (a broker can do this for you)
  • Increase your deductible.
  • Educate your employees on risk management.
  • Avoid making small claims.
  • Don’t treat your insurance policy like a maintenance package!

How do I get the best business insurance coverage in Montreal?

The more detail you provide to commercial insurance companies in Montreal the better they’ll understand your needs. It’s important to work with an individual who understands your company and the operations so that they can recommend the coverage your business requires. It’s also important to remember that not all insurance companies have the same appetite; prices can vary greatly from one company to the next, so keep that in mind when you’re shopping for commercial insurance.

How do I get an online business insurance quote?

Not every company offers quotes online, but KBD does! We work with Intact Insurance as they are one of only a few who are able to provide online commercial insurance quotes. The form consists of 10 questions and takes less than 4 minutes to complete. After you submit your information, one of our brokers will contact you to answer any additional questions you may have.

What are the main protections in a commercial insurance policy?

It depends on the type of business insurance that you are looking for. If you require the bare minimum and are only looking to fulfill your landlord’s requirements, you may only want to have liability coverage. If your business is a large-scale operation, you may require broader protections, like cyber, property and commercial automobile insurance.

How much business insurance do I need?

We always suggest insuring your assets at full value. In other words, if you own a building worth $1,000,000, you should insure it for $1,000,000. Having the proper amount of commercial insurance will protect your company from unforeseen events like a fire or a cyber attack. If you’re looking for commercial liability insurance only, we suggest purchasing $5,000,000 in coverage. Most landlords require this amount of coverage, and depending on the industry you work in, many of your clients may also require a minimum of $5,000,000 for you to win a project contract.

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