KBD is an insurance broker that provides insurance to cover
your company’s contents, building, liability and lost revenue in the event of a claim.

With over 40 years of experience, our commercial insurance brokers are experts at customizing your business insurance policy.

Small businesses

Anyone who owns a small or medium sized business should have a commercial insurance policy in place. Start-ups or businesses that have been around for several years will benefit from having an insurance policy that will protect against perils such as fire, theft, water damage, lawsuits, and much more. Whether you are looking for A-Z protection or simply looking for the minimum to satisfy your landlord’s insurance requirements, our brokers will help find a solution that fits your budget.

Here are some businesses we love to insure:

  • Café / bakeries
  • Restaurants
  • Retailers
  • Business Offices
  • Barber shops
  • Convenience Stores
  • Grocery Stores
  • Distributors
  • Beauticians

What exactly does my commercial insurance protection cover me for?

Businesses who own their building to run their day-to-day operations will want to insure this real estate against insured perils like water, fire, vandalism, flood and earthquake. If you have a mortgage on the property, the bank will oblige that you purchase an insurance policy to protect it for the amount that it would cost to rebuild the structure. It’s not mandatory to purchase this protection, but is certainly highly recommended.

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Coverage for items such as your desks, tables, computers, telephones; basically, anything that is tangible and that remains in your locale and that belongs to your business.

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If you are a distributor or a grocery store, you will definitely want to insure your stock, which in insurance terms is the produce you sell to your customers.

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While your stock is in transit, you’ll want to have this insured. Most people are unaware that transport companies are not fully liable if they lose your shipment order, whether it was their fault or not.

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When your business can’t operate due to a claim, it is important that your revenue stream keeps coming in as you will still need to pay for your fixed costs like rent and hydro. In short, this covers your business for the loss of profits, fixed costs and administrative payroll.

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Arguably the most important protection that a business can have in terms of insurance protection, this covers your enterprise if someone (person or entity) attempts to sue you for an event relating to your business activities and that caused third party property damage or bodily injury.

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Covers you for any extra expenses that are over your regular operating costs to get your business back in operation after a claim. An example would be an insurance broker who suffered a fire at his office and will need to rent emergency locale. In this situation, the rent would be covered by “extra expense”.

Find out more

What exactly does my commercial insurance protection cover me for?

Buildings

Businesses who own their building to run their day-to-day operations will want to insure this real estate against insured perils like water, fire, vandalism, flood and earthquake. If you have a mortgage on the property, the bank will oblige that you purchase an insurance policy to protect it for the amount that it would cost to rebuild the structure. It’s not mandatory to purchase this protection, but is certainly highly recommended.
Contact us

+ Read more

Contents

Coverage for items such as your desks, tables, computers, telephones; basically, anything that is tangible and that remains in your locale and that belongs to your business.

Get your quote

Stock

If you are a distributor or a grocery store, you will definitely want to insure your stock, which in insurance terms is the produce you sell to your customers.

Find out more

Contents in Transit

While your stock is in transit, you’ll want to have this insured. Most people are unaware that transport companies are not fully liable if they lose your shipment order, whether it was their fault or not.
Get your quote

+ Read more

Business Interruption

When your business can’t operate due to a claim, it is important that your revenue stream keeps coming in as you will still need to pay for your fixed costs like rent and hydro. In short, this covers your business for the loss of profits, fixed costs and administrative payroll.
Contact us

+ Read more

Liability Coverage

Arguably the most important protection that a business can have in terms of insurance protection, this covers your enterprise if someone (person or entity) attempts to sue you for an event relating to your business activities and that caused third party property damage or bodily injury.
Get your quote

+ Read more

Extra Expense

Covers you for any extra expenses that are over your regular operating costs to get your business back in operation after a claim. An example would be an insurance broker who suffered a fire at his office and will need to rent emergency locale. In this situation, the rent would be covered by “extra expense”.
Find out more

+ Read more

KBD is an insurance broker

Which means that we are the middleman between the insurance company and the client. We have relationships with several of the world’s largest insurers, and will shop for you in order to find the solution that best fits your needs. The option is yours to pick and choose which protections you would like to have included in your policy.

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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