Shop & save on home, car & business insurance by comparing rates from Canada’s leading insurance companies.
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 onLeah N.
Shawn B.
Nathan T.
Brian B.
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
Get in touch with our Montreal team today.
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.
Get insurance in Montreal today.
Who regulates insurance brokers in Quebec?
The Autorité des marchés financiers. The AMF is the government organization responsible for financial regulation in Quebec.
KBD is a licensed insurance broker 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
Ready to speak with the team?
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.
Looking for a Montreal insurance broker?
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%
Ready for an insurance quote?
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.
Looking for an insurance broker in Montreal?
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
Get in touch with our Montreal team today.
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.
Looking for a Montreal insurance broker?
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.
Get insurance in Montreal today.
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%
Ready for an insurance quote?
Who regulates insurance brokers in Quebec?
The Autorité des marchés financiers. The AMF is the government organization responsible for financial regulation in Quebec.
KBD is a licensed insurance broker 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.
Looking for an insurance broker in Montreal?
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
Ready to speak with the team?