Find the best small business insurance rates for your company

KBD is a small business insurance broker in Canada with 40+ years of experience in the industry.

We offer liability, cyber, property insurance and more to companies located in Quebec & Ontario.

Comparing rates from Canada’s leading small business insurance companies
Intact Insurance logo
Economical logo
L'Unique General Insurance logo
Coverholder at Lloyd's logo
CFC logo
HSB logo
Small business insurance
coverage we provide
Liability

We provide small business liability insurance to start-ups as well as companies that have existed for many years.

Property

Coverage for your company’s assets that protect it against fire, theft, water damage and more.

Cyber

Insurance that protects your business from cyber attacks and cyber liability.

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 your small business insurance quote today

Small business insurance FAQs

What is small business insurance?

Small business insurance is designed for small and medium sized companies. It covers you for property and casualty; in other words, protects your assets and provides liability.

How much does insurance cost for a small business in Canada?

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:

  • Experience in the field
  • Claims history
  • If your industry is “higher-risk”
  • Your annual revenue

How do I get a small business insurance quote?

You can 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.

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.

What's covered on a small business insurance policy?

  • Building insurance (if you own your building)
  • Contents
  • Stock (applicable to restaurants, distributors, etc.)
  • Business interruption
  • Small business liability insurance
  • Cyber insurance

Who needs small business insurance in Canada?

All businesses should carry at the bare minimum a liability insurance policy. This will cover you if your product or service causes third-party property damage or bodily injury.

I'm a small business in Canada, how do I get general liability insurance?

The first step 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.

Is KBD a small business insurance broker in Canada?

Yup! Our firm offers commercial insurance throughout the province of Quebec & Ontario. Most of our clients own businesses with 1 – 100 employees.

Which companies offer the best small business insurance in Canada?

This is always a difficult question to answer because there are so many! 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

What is small business insurance?

Small business insurance is designed for small and medium sized companies. It covers you for property and casualty; in other words, protects your assets and provides liability.

Who needs small business insurance in Canada?

All businesses should carry at the bare minimum a liability insurance policy. This will cover you if your product or service causes third-party property damage or bodily injury.

How much does insurance cost for a small business in Canada?

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:

  • Experience in the field
  • Claims history
  • If your industry is “higher-risk”
  • Your annual revenue

I'm a small business in Canada, how do I get general liability insurance?

The first step 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.

How do I get a small business insurance quote?

You can 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.

Is KBD a small business insurance broker in Canada?

Yup! Our firm offers commercial insurance throughout the province of Quebec & Ontario. Most of our clients own businesses with 1 – 100 employees.

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.

Which companies offer the best small business insurance in Canada?

This is always a difficult question to answer because there are so many! 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

What's covered on a small business insurance policy?

  • Building insurance (if you own your building)
  • Contents
  • Stock (applicable to restaurants, distributors, etc.)
  • Business interruption
  • Small business liability insurance
  • Cyber insurance