Small business insurance protects your company from risks like lawsuits, property damage, cyber attacks, and business interruptions.
KBD helps business owners in Quebec compare affordable business insurance options to get the right coverage – whether they operate from a storefront, office, or home.
Find the best small business insurance rates for your company
KBD is a Montreal-based insurance broker helping small business owners get fast, affordable business insurance tailored to their operations.
We provide small business liability insurance, commercial property, cyber insurance, and more – adapted to your industry, structure, and 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 in Quebec:
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.
We understand that small business owners don’t have time to explain their situation to a new person at every call.
That’s why KBD assigns commercial insurance clients a dedicated broker to evaluate your business, your risks, and your insurance for small business needs from day one.
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 business insurance quote — our brokers compare multiple insurers to help you find cheap business liability insurance and the right coverage 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 Montreal or elsewhere in Quebec — including those needing sole proprietorship liability insurance — we can help you find affordable business insurance that fits your operations and budget.
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 in Montreal and across Quebec.
Small business insurance in Quebec: Your questions answered
How much does small business insurance cost in Quebec?
On average, companies in Quebec pay between $500 and $1,500 per year for small business insurance, though higher-risk industries may pay more.
Your price depends on your operations, revenue, claims history, and coverage needs.
The fastest way to get an accurate estimate is to request a business insurance quote and compare options from multiple insurers.
Our team of commercial insurance brokers at KBD would be happy to help.
How do I get small business insurance in Quebec?
Getting insurance for your small business is simple.
You can request a quote online or speak directly with a broker.
When working with a broker at KBD, we’ll gather essential details about your business and compare multiple insurers to find the best coverage and pricing.
We’ll help you secure affordable business insurance, while providing expert guidance, so that you don’t have to shop the market yourself.
What coverage do I need for my small business?
Most companies require a mix of core insurance coverages in order to be properly covered.
This typically includes small business liability insurance to protect against lawsuits, as well as property, cyber, and business interruption insurance coverage – depending on your operations.
If you operate independently, sole proprietorship liability insurance may also be required.
A broker can help you choose the right protection based on your risks.
How can I get affordable business insurance for my company?
Good question!
Many small businesses qualify for cheap business insurance, especially if they have low-risk operations and few to zero claims.
Working with a licensed commercial insurance broker allows you to compare multiple options and find affordable business insurance that fits your needs, without sacrificing coverage.
We can also provide tips and advice on ways to save: whether it’s installing security systems, bundling policies, or opting for a higher deductible to lower monthly premiums.
How much does small business insurance cost in Quebec?
On average, companies in Quebec pay between $500 and $1,500 per year for small business insurance, though higher-risk industries may pay more.
Your price depends on your operations, revenue, claims history, and coverage needs.
The fastest way to get an accurate estimate is to request a business insurance quote and compare options from multiple insurers.
Our team of commercial insurance brokers at KBD would be happy to help.
What coverage do I need for my small business?
Most companies require a mix of core insurance coverages in order to be properly covered.
This typically includes small business liability insurance to protect against lawsuits, as well as property, cyber, and business interruption insurance coverage – depending on your operations.
If you operate independently, sole proprietorship liability insurance may also be required.
A broker can help you choose the right protection based on your risks.
How do I get small business insurance in Quebec?
Getting insurance for your small business is simple.
You can request a quote online or speak directly with a broker.
When working with a broker at KBD, we’ll gather essential details about your business and compare multiple insurers to find the best coverage and pricing.
We’ll help you secure affordable business insurance, while providing expert guidance, so that you don’t have to shop the market yourself.
How can I get affordable business insurance for my company?
Good question!
Many small businesses qualify for cheap business insurance, especially if they have low-risk operations and few to zero claims.
Working with a licensed commercial insurance broker allows you to compare multiple options and find affordable business insurance that fits your needs, without sacrificing coverage.
We can also provide tips and advice on ways to save: whether it’s installing security systems, bundling policies, or opting for a higher deductible to lower monthly premiums.