Insurance broker

As long as the broker is regulated to sell insurance in the province in which you live, you’re good.

KBD, for example, is headquartered in Montreal and services clients all throughout Quebec. We also have an office in Ottawa and insure people as far as North Bay, Ontario.

In Canada, insurance is regulated provincially, and each region is different. Some provinces use self-regulatory bodies like the Registered Insurance Brokers of Ontario, while others are overseen by government organizations like Quebec’s Autorité des marchés financiers (AMF).

Looking for a local insurance broker?

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One of the most commonly complained about disadvantages of using an insurance broker is fees. Many brokers charge fees and, well, people don’t like fees.

The gripe is not completely accurate, since some brokers like KBD don’t charge any fees at all for personal insurance clients. (We do charge fees on commercial insurance policies.) But some insurance brokers do charge on all policies. Look out for that.

Need an insurance quote?

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There are two ways an insurance provider can distribute its product: Directly or through a broker. Direct insurance providers like Desjardins sell their policies, their way. Other companies choose to work with a network of brokers that sell their policies on their behalf. Here are a few of those companies:

• Intact
• Economical
• Wawanesa
• Northbridge

Need insurance broker services?

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Using an insurance broker has many advantages. Here are just a few of them:

Brokers can get involved in claims
We have your back. If a client submits a claim that results in a dispute with the insurance provider, a broker like KBD can come to the rescue. We know how to fight these battles and use our leverage to make sure you’re treated fairly.

Brokers can shop around for you
We always say one of the best ways to get cheap insurance is to get quotes from multiple providers. As a broker, KBD can do that grunt work for you.

Brokers have access to multiple insurance providers
Not only can we shop around for you, we can get you insurance with companies you wouldn’t otherwise be able to work with. As part of the broker model, there are insurance providers that only sell their policies through brokers like KBD.

You can build a relationship with your broker
Our business model allows clients to get to know their brokers, and perhaps more importantly, our brokers to get to know their clients and their profiles. That leads to a more personalized service.

Need home, car or business insurance?

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That depends on the brokerage! Each insurance broker has a different product offering. Here are the most commonly distributed products by insurance brokers: 

• Personal insurance (home, car, tenant, condo, boat, etc.)
• Commercial insurance
• Life insurance

KBD provides personal (car, home, tenant, condo, motorcycle) and commercial insurance (liability, cyber, property, equipment breakdown, builders risk, etc.).

Get insurance coverage today.

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