KBD is an insurance broker that provides tailored coverage
for businesses within the manufacturing sector.

Manufacturers come in all shapes and sizes; from small machine shops to larger scale operations, KBD will insure any manufacturer with up to 10 million dollars in annual revenue. This industry has a specific set of insurance needs with regards to covering the plant, the equipment and the products sold.

If you are a manufacturer, here are some core protections you should have present on your policy:

Like all other businesses, if you own the building that you work out of, you will need to have it insured against perils such as: fire, theft, vandalism, lightning, water Damage, flood, earthquake.

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Companies in the manufacturing sector build products, and these products are built or assembled by one of two things: people or machines. KBD will provide coverage for all of your machinery and equipment to make sure that your production line stays on track.

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An often-overlooked coverage, this protects your business from electrical arcing, boiler explosion or mechanical failure. An example: you have a large machine that requires specific parts for it to run properly; parts that you cannot purchase from your local Home Hardware store. If one of these parts breaks rendering your machine unable to operate, you may have to wait weeks before the new custom piece arrives at your shop (maybe this custom piece can only be built in Germany, as an example). The big potential loss is not paying for the custom part, it’s losing out on potential revenue as your machine can no longer operate. KBD covers this loss under the protection “Equipment Breakdown.”

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As a manufacturer, you do not have the luxury of setting up a new shop in a matter of days if ever a fire destroys your operation; it will take you time to find a new location, purchase the new equipment, and for your sales to return to normal. Depending on the size of your manufacturing plant, it may take up to a year or more to return to the way things were prior to the insured loss. KBD provides business interruption for manufacturers which covers your loss of profits, administrative payroll and fixed costs.

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KBD provides liability coverage in the event that your business is sued as a consequence of causing third party property damage or bodily injury. Example: you are a toy manufacturer, and unfortunately a child is injured as a result of swallowing one of the pieces of your toy. In the event that you are sued, we would pay for your defence costs and penalties.

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If your business sells a high percentage of products to the USA, your risk exposure is much greater in terms of liability in comparison to a manufacturer that sells primarily to Canada. Umbrella liability is extra liability insurance coverage that goes beyond the limits of your business’ Commercial General Liability amount.

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Most businesses today are heavily reliant on technology when it comes to designing and building products and/or parts. As an example, a main exposure for a manufacturer would be if you design your parts/products on a computer (a hacker could hack and encrypt your server, erasing all of your work) or if you use CNC Machines (a viral USB chip is inserted into your machine, and encrypts the CNC machine, rendering it unusable). KBD offers stand-alone cyber insurance policies to cover your expenses due to these types of events.

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Our cyber insurance policy will cover you for all the events listed above and more. Here’s how it works:

Your building

Like all other businesses, if you own the building that you work out of, you will need to have it insured against perils such as:

  • Fire
  • Theft
  • Vandalism
  • Lightning
  • Water Damage
  • Flood
  • Earthquake

Contact us

+ Read more

Equipment and stock

Companies in the manufacturing sector build products, and these products are built or assembled by one of two things: people or machines. KBD will provide coverage for all of your machinery and equipment to make sure that your production line stays on track.
Get your quote

+ Read more

Equipment breakdown

An often-overlooked coverage, this protects your business from electrical arcing, boiler explosion or mechanical failure. An example: you have a large machine that requires specific parts for it to run properly; parts that you cannot purchase from your local Home Hardware store. If one of these parts breaks rendering your machine unable to operate, you may have to wait weeks before the new custom piece arrives at your shop (maybe this custom piece can only be built in Germany, as an example). The big potential loss is not paying for the custom part, it’s losing out on potential revenue as your machine can no longer operate. KBD covers this loss under the protection “Equipment Breakdown.”
Find out more

+ Read more

Business interruption

As a manufacturer, you do not have the luxury of setting up a new shop in a matter of days if ever a fire destroys your operation; it will take you time to find a new location, purchase the new equipment, and for your sales to return to normal. Depending on the size of your manufacturing plant, it may take up to a year or more to return to the way things were prior to the insured loss. KBD provides business interruption for manufacturers which covers your loss of profits, administrative payroll and fixed costs.
Find out more

+ Read more

Products liability

KBD provides liability coverage in the event that your business is sued as a consequence of causing third party property damage or bodily injury. Example: you are a toy manufacturer, and unfortunately a child is injured as a result of swallowing one of the pieces of your toy. In the event that you are sued, we would pay for your defence costs.
Find out more

+ Read more

Umbrella liability

If your business sells a high percentage of products to the USA, your risk exposure is much greater in terms of liability in comparison to a manufacturer that sells primarily to Canada. Umbrella liability is extra liability insurance coverage that goes beyond the limits of your business’ Commercial General Liability amount.
Find out more

+ Read more

Cyber insurance

Most businesses today are heavily reliant on technology when it comes to designing and building products and/or parts. As an example, a main exposure for a manufacturer would be if you design your parts/products on a computer (a hacker could hack and encrypt your server, erasing all of your work) or if you use CNC Or Machines (a viral USB chip is inserted into your machine, and encrypts the CNC machine, rendering it unusable). KBD offers stand-alone cyber insurance policies to cover your expenses due to these types of events.
Find out more

+ Read more

See what others are saying about KBD Insurance

KBD is great and helped us consolidate and organize our insurance for all 7 of our locations.


Ye Olde Orchard Pub & Grill

KBD's expertise and professionalism led to competitive rates and better coverage for our home and commercial policies.


Climatisation Airvitech

We've been with KBD since the Killen Bullard Devine days; love these folks. So helpful and professional.


Construction Freres Riendeau




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