We’re a top rated insurance broker

We work with leading insurance companies to provide the most competitive rates in Canada.

We provide home, car & business insurance to people and companies located in Ontario and Quebec.

Comparing rates from leading insurance broker companies
Insurance broker products we provide
Commercial insurance

We provide insurance coverage to small and medium sized businesses in Quebec & Ontario.

Home insurance

Get quotes from companies like Intact, Economical and L’Unique.

Car insurance

Save big on car insurance by bundling your home, condo or tenant policy.

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.”

Speak with a KBD insurance broker today.

Insurance broker FAQ’s

Do I need to work with an insurance broker near me?

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).

What are the disadvantages of using an insurance broker?

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.

What are some Canadian insurance companies that work with brokers?

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

What are the advantages of using an insurance broker?

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.

What types of products do insurance brokers provide?

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.).

Do I need to work with an insurance broker near me?

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).

What are the advantages of using an insurance broker?

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.

What are the disadvantages of using an insurance broker?

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.

What types of products do insurance brokers provide?

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.).

What are some Canadian insurance companies that work with brokers?

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

Areas we serve as insurance brokers

Insurance broker quotes by city