Small business insurance protects your company from risks like lawsuits, property damage, cyber attacks, and business interruptions — whether you operate from a storefront, office, or home. At KBD, we help small businesses across Quebec and Ontario get the right coverage at competitive rates, with clear advice and no jargon.
Find the best small business insurance rates for your company
KBD helps small business owners in Quebec and Ontario get fast, affordable, and reliable insurance coverage. With 40+ years of experience, our brokers understand the risks small businesses face and make it easy to get the protection you need.
We help you secure coverage such as general liability, commercial property, cyber insurance, and more — tailored to your industry and business size.
Comparing rates from Canada’s leading small business insurance companies
We compare premiums from Canada’s top commercial insurers to help small business owners find the right protection at the best price.
Small business insurance
coverage we provide
General Liability Insurance
Protects your business if you cause bodily injury, property damage, or financial loss to someone else. This includes slip-and-fall incidents, damage caused at a client’s location, or harm resulting from your products or services. A must-have for most small businesses.
Commercial Property Insurance
Covers your office, storefront, tools, equipment, and inventory against fire, theft, water damage, and vandalism. Essential for businesses that rely on equipment, carry stock, or operate from a physical location.
Cyber Insurance
Protects your business from data breaches, phishing scams, ransomware, and cyber attacks. Covers recovery costs, legal fees, and lost business income. Crucial for any business storing client data or accepting online payments.
Business Interruption Insurance
Helps replace lost income and cover ongoing expenses if your business must temporarily close due to a covered event like fire or major water damage.
Professional Liability (E&O)
Covers claims of negligence, mistakes, or improper advice. Recommended for consultants, freelancers, advisors, and service-based professionals.
Commercial Auto / Fleet Insurance
Protects vehicles used for business operations — including collision, liability, and comprehensive coverage. Ideal for contractors, delivery services, and mobile professionals.
Speak with the same expert every time you call
Your own dedicated business insurance representative.
Small business owners don’t have time to explain their situation to a new person at every call. That’s why KBD assigns you one dedicated broker who understands your business, your risks, and your policy from day one.
Whether you’re updating coverage, filing a claim, or just need quick advice, you get the same expert every time — no call centres, no bouncing around, no wasted time.
How much does small business insurance cost?
Most small businesses in Quebec and Ontario pay between $500 and $1,500 per year for insurance. Your rate depends on factors like:
– Industry and operations
– Revenue and number of employees
– Tools, equipment, and inventory
– Claims history
To get an accurate price, request a customized quote — our brokers compare multiple insurers to find the best rate for your business.
Who small business insurance is for
Small business insurance is designed for companies with fewer than 100 employees, including:
– Independent contractors & tradespeople
– Small retail shops & e-commerce sellers
– Freelancers, consultants & creative professionals
– Cafés, restaurants & food service businesses
– Beauty, wellness & personal service professionals
– Small offices (legal, accounting, finance, healthcare, etc.)
If you operate a small business in Quebec or Ontario, we can help you find the right coverage at the right price.
Our clients say it best
More than 500 5-star reviews onLeah 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 your small business insurance quote today
Speak with a licensed commercial insurance broker who understands the needs of small business owners across Quebec and Ontario.
Small business insurance FAQs
Do I need small business insurance?
Small business insurance is coverage specifically designed for small and medium sized companies. It covers you for property and casualty; in other words, it protects your assets and provides liability coverage.
With the right insurance in place, you’ll have the peace of mind that you’re covered, and can focus on growing your small business.
Need insurance for a small business?
We can help with that.
How much does small business insurance cost?
So, how much is small business insurance?
Depending on which small to medium sized enterprise (SME) insurance company you quote with, policies generally range between $500 – $10,000. Several factors determine your annual business insurance cost. This includes things like:
- Experience in the field
- Claims history
- If your industry is “higher-risk”
- Your annual revenue
Still have questions about your small business insurance costs?
Need a small business insurance quote?
How do I get a small business insurance quote?
There are two ways to get a small business insurance quote.
You can either get a quote online or you can call directly. If you’re looking to save time, we suggest you complete an online quote first so that all of your business information is available when you review with a commercial insurance broker.
Ready for a small business insurance quote?
Does KBD offer small business insurance quotes online?
Yes, we offer online commercial insurance quotes through our partner website, Intact Insurance. The quote process is super simple and takes 3-5 minutes. This is a great way to give yourself a good picture of your small business insurance coverage as well as the annual price.
Ready for a small business insurance quote?
What's covered on a small business insurance policy?
There’s a few key coverages that you can include in your small business insurance policy. These include the following:
- Building insurance (if you own your building)
- Contents
- Stock (applicable to restaurants, distributors, etc.)
- Business interruption
- Small business liability insurance
- Cyber insurance
We recommend speaking with your dedicated small business insurance broker to determine exactly which coverages are right for you.
Need insurance for your small business?
What does small business insurance cover?
All businesses should carry a liability insurance policy at the bare minimum. This will cover you if your product or service causes third-party property damage or bodily injury.
Ready for a quote?
Our small business insurance brokers can help with that.
How do I get general liability insurance for my small business?
The first step to getting general liability insurance is to incorporate or register your company. After this step is completed, you can buy CGL Insurance by calling either a SME insurance broker like KBD or a direct insurance company, like Desjardins or State Farm. Most companies provide flexible payment options as well.
Looking for liability insurance quotes for your small business?
Is KBD a small business insurance broker in Canada?
Yup! Our firm offers commercial insurance throughout the provinces of Quebec & Ontario. Most of our clients own businesses with 1 – 100 employees.
If you’re looking for insurance coverage for your small business, our brokers will be happy to help.
Let’s get your small business insured.
Which companies offer the best small business insurance in Canada?
This is always a difficult question to answer because there are so many!
The best small business insurance company for you is the one that can offer you the right coverage at the best rate.
That said, here’s a list of reliable companies that provide great rates and have great customer satisfaction scores.
- Intact Insurance
- Economical
- L’Unique
- Lloyd’s Insurance
- Desjardins Insurance Group
- La Capitale
- Co-operators
At KBD, we work with several of these small business insurance providers to get our clients coverage.
Need a quote for your small business?
Is small business insurance required in Canada?
Business insurance is not required in Canada, however it’s an important safety net to have in place as your company grows.
As a budget-conscious small business owner, you might not want to spend a ton on your commercial insurance policy.
However, at a minimum, all businesses should carry general liability insurance. This will cover your business for third party property damage and bodily injury-related claims.
A small business insurance broker can advise you on exactly what kind of insurance is right for you. That way you won’t pay more – or less – than you need to.
Need an insurance quote for your small business?
Get in touch with our team.
Do I need small business insurance?
Small business insurance is coverage specifically designed for small and medium sized companies. It covers you for property and casualty; in other words, it protects your assets and provides liability coverage.
With the right insurance in place, you’ll have the peace of mind that you’re covered, and can focus on growing your small business.
Need insurance for a small business?
We can help with that.
What does small business insurance cover?
All businesses should carry a liability insurance policy at the bare minimum. This will cover you if your product or service causes third-party property damage or bodily injury.
Ready for a quote?
Our small business insurance brokers can help with that.
How much does small business insurance cost?
So, how much is small business insurance?
Depending on which small to medium sized enterprise (SME) insurance company you quote with, policies generally range between $500 – $10,000. Several factors determine your annual business insurance cost. This includes things like:
- Experience in the field
- Claims history
- If your industry is “higher-risk”
- Your annual revenue
Still have questions about your small business insurance costs?
Need a small business insurance quote?
How do I get general liability insurance for my small business?
The first step to getting general liability insurance is to incorporate or register your company. After this step is completed, you can buy CGL Insurance by calling either a SME insurance broker like KBD or a direct insurance company, like Desjardins or State Farm. Most companies provide flexible payment options as well.
Looking for liability insurance quotes for your small business?
How do I get a small business insurance quote?
There are two ways to get a small business insurance quote.
You can either get a quote online or you can call directly. If you’re looking to save time, we suggest you complete an online quote first so that all of your business information is available when you review with a commercial insurance broker.
Ready for a small business insurance quote?
Is KBD a small business insurance broker in Canada?
Yup! Our firm offers commercial insurance throughout the provinces of Quebec & Ontario. Most of our clients own businesses with 1 – 100 employees.
If you’re looking for insurance coverage for your small business, our brokers will be happy to help.
Let’s get your small business insured.
Does KBD offer small business insurance quotes online?
Yes, we offer online commercial insurance quotes through our partner website, Intact Insurance. The quote process is super simple and takes 3-5 minutes. This is a great way to give yourself a good picture of your small business insurance coverage as well as the annual price.
Ready for a small business insurance quote?
Which companies offer the best small business insurance in Canada?
This is always a difficult question to answer because there are so many!
The best small business insurance company for you is the one that can offer you the right coverage at the best rate.
That said, here’s a list of reliable companies that provide great rates and have great customer satisfaction scores.
- Intact Insurance
- Economical
- L’Unique
- Lloyd’s Insurance
- Desjardins Insurance Group
- La Capitale
- Co-operators
At KBD, we work with several of these small business insurance providers to get our clients coverage.
Need a quote for your small business?
What's covered on a small business insurance policy?
There’s a few key coverages that you can include in your small business insurance policy. These include the following:
- Building insurance (if you own your building)
- Contents
- Stock (applicable to restaurants, distributors, etc.)
- Business interruption
- Small business liability insurance
- Cyber insurance
We recommend speaking with your dedicated small business insurance broker to determine exactly which coverages are right for you.
Need insurance for your small business?
Is small business insurance required in Canada?
Business insurance is not required in Canada, however it’s an important safety net to have in place as your company grows.
As a budget-conscious small business owner, you might not want to spend a ton on your commercial insurance policy.
However, at a minimum, all businesses should carry general liability insurance. This will cover your business for third party property damage and bodily injury-related claims.
A small business insurance broker can advise you on exactly what kind of insurance is right for you. That way you won’t pay more – or less – than you need to.
Need an insurance quote for your small business?
Get in touch with our team.