Find the best insurance broker rates

KBD is a Montreal insurance broker with 40+ years of experience in the industry.

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

Comparing rates from Canada’s leading insurance companies
Montreal insurance broker products we provide
Commercial insurance

We focus on providing products to small and medium sized businesses in Quebec & Ontario

Home insurance

The three main companies we work with are Intact, Economical & l'Unique

Car insurance

Super competitive rates & easy to understand. Ask about our replacement cost product.

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.”

Looking for quotes? Speak to one of our insurance brokers today

Quebec insurance broker FAQ’s

Is KBD a Montreal insurance brokerage?

We sure are.

Our roots (and our headquarters) are in Montreal, and we have a presence throughout Quebec as well as Ottawa. As a brokerage, we issue insurance from several companies, including:

  • Intact
  • Lloyd’s
  • L’Unique
  • Economical
  • CFC Underwriting

What’s the difference between an insurance broker vs agent?

Insurance brokers have access to several different insurance companies from which they can shop and with which they can place their clients, while insurance agents, or direct insurers, can only issue a policy from their own company.

Another way to look at it: Insurance brokers have a mandate to the client while agents have a mandate to the insurance company.

Who regulates insurance brokers in Quebec?

The Autorité des marchés financiers. The AMF is the government organization responsible for financial regulation in Quebec.

Where can I find the best insurance brokers in Montreal?

You’ve already found them!

But seriously — we’d be happy to assist you with your insurance needs, but if you want to know of some other Montreal insurance brokers, here’s a shortlist:

  • OVC assurance
  • HUB International
  • Marsh
  • BFL
  • Ostiguy & Gendron

Are insurance brokers expensive in Montreal?

Using a broker is no more or less expensive than going with a direct insurance company in Quebec. The business models are different: Brokers collect a flat fee on each policy they sell. The broker’s cut depends on the type of insurance — we often take a higher commission on a commercial policy than a personal one, for example — but it typically falls between 10%-25% of the client’s premium.

When it comes to brokers vs direct, saying one is definitively cheaper than the other is wrong. Like any other industry, if that were true, then the more expensive model would run out of business and cease to exist. They coexist because they each offer advantages and are priced competitively.

Do Quebec insurance brokers have to disclose their commission?

Yes.

If you ask, we’ll tell you!

At KBD, we’re proud to be transparent about the commissions we earn when we issue a policy to a client. If you’re curious, don’t be shy. Just ask!

For now, here’s a cheat sheet:

Home, tenant, condo insurance = 20%

Car insurance = 12.5%

Commercial insurance = 10-25%

What does an insurance broker do?

Brokers find insurance for their clients.

Acting as the intermediary between insurance companies and their clients, a broker can shop around among insurance providers to find the best price and fit. When you get in touch with a KBD insurance broker, we’ll help you navigate the waters of the insurance world, where each provider has a different appetite for risk. Essentially, a broker helps you find the best policy out there for your needs.

Is KBD a Montreal insurance brokerage?

We sure are.

Our roots (and our headquarters) are in Montreal, and we have a presence throughout Quebec as well as Ottawa. As a brokerage, we issue insurance from several companies, including:

  • Intact
  • Lloyd’s
  • L’Unique
  • Economical
  • CFC Underwriting

Are insurance brokers expensive in Montreal?

Using a broker is no more or less expensive than going with a direct insurance company in Quebec. The business models are different: Brokers collect a flat fee on each policy they sell. The broker’s cut depends on the type of insurance — we often take a higher commission on a commercial policy than a personal one, for example — but it typically falls between 10%-25% of the client’s premium.

When it comes to brokers vs direct, saying one is definitively cheaper than the other is wrong. Like any other industry, if that were true, then the more expensive model would run out of business and cease to exist. They coexist because they each offer advantages and are priced competitively.

What’s the difference between an insurance broker vs agent?

Insurance brokers have access to several different insurance companies from which they can shop and with which they can place their clients, while insurance agents, or direct insurers, can only issue a policy from their own company.

Another way to look at it: Insurance brokers have a mandate to the client while agents have a mandate to the insurance company.

Do Quebec insurance brokers have to disclose their commission?

Yes.

If you ask, we’ll tell you!

At KBD, we’re proud to be transparent about the commissions we earn when we issue a policy to a client. If you’re curious, don’t be shy. Just ask!

For now, here’s a cheat sheet:

Home, tenant, condo insurance = 20%

Car insurance = 12.5%

Commercial insurance = 10-25%

Who regulates insurance brokers in Quebec?

The Autorité des marchés financiers. The AMF is the government organization responsible for financial regulation in Quebec.

What does an insurance broker do?

Brokers find insurance for their clients.

Acting as the intermediary between insurance companies and their clients, a broker can shop around among insurance providers to find the best price and fit. When you get in touch with a KBD insurance broker, we’ll help you navigate the waters of the insurance world, where each provider has a different appetite for risk. Essentially, a broker helps you find the best policy out there for your needs.

Where can I find the best insurance brokers in Montreal?

You’ve already found them!

But seriously — we’d be happy to assist you with your insurance needs, but if you want to know of some other Montreal insurance brokers, here’s a shortlist:

  • OVC assurance
  • HUB International
  • Marsh
  • BFL
  • Ostiguy & Gendron

Areas we serve as insurance brokers

Insurance broker quotes by city