KBD partners with 30+ Canadian insurance companies in order to provide tailored commercial coverages to business owners. That way, they can operate with peace of mind.
We specialize in providing commercial insurance policies to businesses throughout the provinces of Quebec and Ontario. Learn about the commercial insurance coverages that apply to your business below.
CGL insurance, also known as business liability, helps to safeguard your business property and operations while providing protection if a third party suffers damage or injury due to your products or services.
Builder’s risk insurance covers buildings under construction or renovation. It helps protect materials, equipment, and structures from losses caused by fire, theft, vandalism, weather events, and other covered risks during the project.
Product liability insurance protects businesses if products they manufacture, distribute, or sell cause bodily injury or property damage. It can cover legal defence costs and settlements related to product claims.
Also known as errors and omissions insurance, this coverage protects your business if a client alleges a mistake, oversight, or failure in your professional services, including claims related to negligence, misrepresentation, or inaccurate advice.
Whether you operate an office, construction site, or warehouse, having insurance that covers the building is essential. It helps protect against claims related to fire, water damage, earthquakes, and more.
Business interruption insurance is a coverage that replaces lost income if your operations are temporarily shut down due to an insured loss. It can cover expenses like payroll, rent, utilities, and relocation costs for a period of time while your business recovers.
Commercial umbrella insurance provides extra liability protection beyond your standard policies. It increases coverage limits for claims specifically involving third-party bodily injury or property damage when primary limits are reached.
Employment practices liability insurance protects businesses from claims like wrongful termination, discrimination, harassment, or retaliation. It helps cover legal fees, settlements, and damages arising from employee-related allegations.
Commercial insurance needs vary widely by industry, and each business faces unique risks.
At KBD, we provide specialized business insurance coverages tailored to different sectors.
Insurance for construction-related businesses is tailored to cover projects, buildings, and workers against financial loss during building activities. A few important coverages for construction-related businesses include:
Landlord insurance is designed to protect rental property owners from financial losses related to various risks. A few key coverages that landlords should have in place include:
Consultant insurance protects independently operating professionals from financial risks. While consultants don’t often have buildings to insure, a few key coverages for these professionals include:
Amazon seller insurance and its related coverages protect online businesses from various financial risks. A few important coverages that Amazon sellers, and related online merchants should consider include:
Manufacturing companies face unique risks, and as a result have specific insurance requirements. A few specific coverages that protect manufacturing factories and operations include:
Distributor’s insurance protects businesses that sell or transport products. Due to the nature of these commercial operations, a few key insurance coverages for distributors include:
Insurance for construction-related businesses is tailored to cover projects, buildings, and workers against financial loss during building activities. A few important coverages for construction-related businesses include:
Amazon seller insurance and its related coverages protect online businesses from various financial risks. A few important coverages that Amazon sellers, and related online merchants should consider include:
Landlord insurance is designed to protect rental property owners from financial losses related to various risks. A few key coverages that landlords should have in place include:
Manufacturing companies face unique risks, and as a result have specific insurance requirements. A few specific coverages that protect manufacturing factories and operations include:
Consultant insurance protects independently operating professionals from financial risks. While consultants don’t often have buildings to insure, a few key coverages for these professionals include:
Distributor’s insurance protects businesses that sell or transport products. Due to the nature of these commercial operations, a few key insurance coverages for distributors include:
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“Greg is always making sure all my insurance needs are covered. Excellent service and very responsive.. thanks again!”
“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!”
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There’s a few steps we recommend taking to ensure your business is adequately protected from claims. A broker can help you to identify specific risks and exposures based on your industry and operations.
Additionally, be sure to review your policies regularly, confirm coverage limits, understand any policy exclusions, and as your business grows or changes, update your insurance accordingly.
An experienced insurance broker can assess gaps in coverage and recommend solutions tailored to your business needs, so that nothing is overlooked.
Need a commercial insurance quote? Call us.
Commercial liability insurance protects your business from claims of bodily injury, property damage, or third-party lawsuits arising from your operations or premises.
Professional liability insurance, (aka: errors and omissions insurance), covers claims related to mistakes, negligence, or inadequate services provided to clients.
While commercial liability handles physical or property-related incidents, professional liability focuses on service-related errors. Most businesses benefit from having both in place to cover a wide range of risks.
Ready for a quote? Speak with a commercial insurance expert today.
Yes, businesses can obtain cyber insurance to protect against risks like data breaches, hacking, ransomware, and cyberattacks. At KBD, we partner with insurance companies such as CFC Underwriting to provide cyber insurance to our commercial clients.
Policies may cover costs for data recovery, legal fees, notification expenses, and business interruption. As always, coverage is tailored to your industry and risk level, in order to minimize potential financial losses from cyber incidents.
Looking for a commercial insurance quote? Call us.
Yes, most business insurance policies are designed to cover legal fees if your company is sued.
Commercial general liability, professional liability, and other specialized coverages can help pay for attorney costs, settlements, or judgments, depending on the claim.
Be sure to review your policy limits and exclusions to understand exactly which legal expenses are covered, and if you need to make adjustments.
Looking for a quote? Get in touch with our team of commercial insurance brokers today.
Yes, business insurance can cover lawsuits from clients or employees, but it depends on the type of coverage you have.
Commercial liability insurance covers claims related to bodily injury or property damage, while employment practices liability insurance can protect against claims related to wrongful termination, harassment, or discrimination.
It’s important to review your specific policy details and exclusions with your broker to ensure you have the right coverage for your business. Consider additional coverages if necessary to fill gaps if your operations pose specific risks.
Looking for business insurance? Call us.
If you have multiple business locations, it’s important to assess the unique risks at each site, including property, liability, and operational exposures.
A broker can review existing policies to see if you should consider additional or location-specific coverages.
Questions? Our team of experienced commercial brokers can help tailor your policy to ensure all of your business locations are properly covered.
Ready for a business insurance quote? Call us.
Commercial property insurance covers repairs or replacements for buildings, equipment, and inventory damaged by fire, storms, floods, or other covered events.
You can consider adding specific coverages for risks common in your region if you live in an area prone to harsh weather, for example.
Ready to protect your business? Call us for a quote today.
As with all insurance policies, there are several factors that affect costs.
A few specific factors that may affect the cost of commercial insurance for your business include:
Ready for a commercial insurance quote? Call us.
There’s a few steps we recommend taking to ensure your business is adequately protected from claims. A broker can help you to identify specific risks and exposures based on your industry and operations.
Additionally, be sure to review your policies regularly, confirm coverage limits, understand any policy exclusions, and as your business grows or changes, update your insurance accordingly.
An experienced insurance broker can assess gaps in coverage and recommend solutions tailored to your business needs, so that nothing is overlooked.
Need a commercial insurance quote? Call us.
Yes, business insurance can cover lawsuits from clients or employees, but it depends on the type of coverage you have.
Commercial liability insurance covers claims related to bodily injury or property damage, while employment practices liability insurance can protect against claims related to wrongful termination, harassment, or discrimination.
It’s important to review your specific policy details and exclusions with your broker to ensure you have the right coverage for your business. Consider additional coverages if necessary to fill gaps if your operations pose specific risks.
Looking for business insurance? Call us.
Commercial liability insurance protects your business from claims of bodily injury, property damage, or third-party lawsuits arising from your operations or premises.
Professional liability insurance, (aka: errors and omissions insurance), covers claims related to mistakes, negligence, or inadequate services provided to clients.
While commercial liability handles physical or property-related incidents, professional liability focuses on service-related errors. Most businesses benefit from having both in place to cover a wide range of risks.
Ready for a quote? Speak with a commercial insurance expert today.
If you have multiple business locations, it’s important to assess the unique risks at each site, including property, liability, and operational exposures.
A broker can review existing policies to see if you should consider additional or location-specific coverages.
Questions? Our team of experienced commercial brokers can help tailor your policy to ensure all of your business locations are properly covered.
Ready for a business insurance quote? Call us.
Yes, businesses can obtain cyber insurance to protect against risks like data breaches, hacking, ransomware, and cyberattacks. At KBD, we partner with insurance companies such as CFC Underwriting to provide cyber insurance to our commercial clients.
Policies may cover costs for data recovery, legal fees, notification expenses, and business interruption. As always, coverage is tailored to your industry and risk level, in order to minimize potential financial losses from cyber incidents.
Looking for a commercial insurance quote? Call us.
Commercial property insurance covers repairs or replacements for buildings, equipment, and inventory damaged by fire, storms, floods, or other covered events.
You can consider adding specific coverages for risks common in your region if you live in an area prone to harsh weather, for example.
Ready to protect your business? Call us for a quote today.
Yes, most business insurance policies are designed to cover legal fees if your company is sued.
Commercial general liability, professional liability, and other specialized coverages can help pay for attorney costs, settlements, or judgments, depending on the claim.
Be sure to review your policy limits and exclusions to understand exactly which legal expenses are covered, and if you need to make adjustments.
Looking for a quote? Get in touch with our team of commercial insurance brokers today.
As with all insurance policies, there are several factors that affect costs.
A few specific factors that may affect the cost of commercial insurance for your business include:
Ready for a commercial insurance quote? Call us.
