Your Ontario insurance broker

KBD is a Canadian insurance broker with 40+ years of industry experience providing business, home, and car insurance.

While our head office is based in Ottawa, we provide insurance services across the province of Ontario.

This includes Ontario cities such as:

• Toronto
• Mississauga
• Thunder Bay
• Hamilton
• London
• Waterloo
• & more

We also offer the following insurance coverages in the province:

• Tenant insurance
• Landlord insurance
• Condo insurance
• Motorcycle insurance

Need insurance in Ontario?

Call us.

Insurance brokers in Ontario connect insurance companies with individuals or businesses seeking coverage. 

They assess the specific needs of their clients and provide professional advice on the most suitable coverage options available from various insurers. Brokers also work on a commission basis and are licensed under an insurance broker association, called the Registered Insurance Brokers of Ontario (RIBO) to sell insurance products and offer insurance advice.

In short, insurance brokers in Ontario help clients navigate the insurance market, provide expert advice, and offer customized insurance solutions to fit the unique needs of their clients.

Need insurance in Ontario? Speak with our Ontario brokers today. 

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Insurance brokers are expected to act in the best interests of their clients and provide expert advice on insurance products and coverage options.

On top of this, your insurance broker should be:

• Be knowledgeable about the insurance market: Including industry trends, regulations, and changes to insurance policies. 
• Maintain professional relationships: Insurance brokers are expected to maintain professional relationships with clients and insurance companies, and to provide timely and accurate information to clients throughout the insurance process.
• Hold a valid license: Brokers are required to be registered with the relevant regulatory body in their region, and to comply with regulations and ethical standards.

Looking for an Ontario insurance broker?

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The key role of an insurance broker is to act as an intermediary between insurance companies and insurance clients. 

At KBD, we assess our clients’ specific insurance needs, and provide professional advice on the most suitable coverage options available from various insurers. 

We work to ensure that their clients are adequately protected, and that they receive fair and competitive rates for their insurance coverage.

We can also assist our clients in the claims process by acting as an advocate and liaison between the insured and the insurance company. 

So, if you purchase insurance through a broker, you may receive this added support during the claims process (depending on the broker). 

Need an insurance broker quote?

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Working with an Ontario insurance broker like KBD provides several key advantages for individuals and businesses:

• Local Expertise: As Ontario insurance brokers, we possess in-depth knowledge of the province’s insurance regulations and market dynamics.
• Extensive Network: We have access to a vast network of insurance providers in Ontario, ensuring you receive competitive quotes and a wide range of coverage options.
• Personalized Guidance: As brokers, it’s our job to offer personalized advice, helping you select the best insurance solutions for your specific needs, whether it’s home, auto, business, or other coverage.
• Time and Effort Savings: The best insurance brokers in Ontario do the research and comparison shopping on your behalf, saving you valuable time and effort.
• Claims Support: In case of a claim, Ontario insurance brokers act as your advocates, ensuring a smooth and fair claims process.
• Regulatory Compliance: We’ll help you to navigate Ontario’s complex insurance regulations, ensuring your coverage meets all legal requirements.
• Peace of Mind: By partnering with us as your Ontario insurance broker, you’ll have expert guidance whether you’re purchasing home, car or business insurance.

Need Ontario insurance coverage?

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You’ve found them! KBD has a 4.9 star rating on Google, and we’re equipped to handle your home, car and business insurance needs in Ontario.

But in all seriousness, not all insurance brokers are equal – some offer specialty products and services that aren’t available elsewhere. 

With this considered, the best Ontario insurance brokers for you are those that can offer you the best service, and the right coverage. 

There’s a few ways to find the best insurance broker for your specific circumstances:

1. Search online: You can start by searching for a list of insurance brokers in Ontario online, and consult Google reviews! This is one of the best ways to find unbiased ratings. You can read our ranking of the best insurance companies in Ontario here. 
2. Ask for recommendations: Reach out to friends, family, or other business owners for their recommendations. 

Once you have a list of potential brokers, research their experience and expertise to find the best fit for your needs.

Pro tip: Make sure to choose a broker who understands your industry and can provide customized insurance solutions for your business.

Looking for a registered insurance broker in Ontario? 

Call us.

While insurance brokers can provide many benefits, there are also a few disadvantages to using their services, depending on what you need as a client. 

• Broker fees: One disadvantage is that the cost of using an insurance broker can be higher than purchasing insurance directly from an insurance company. However, this depends on the broker. At KBD for example, we only charge a fee to manage commercial insurance files, as they have a lot of moving parts. You can purchase home, car and other personal insurance with us sans broker fees. 
• Limited access to some insurance companies: Some Ontario insurance companies may only work with specific brokers, meaning that you may not have access to certain policies or coverage options if you work with a different broker. In addition, brokers typically don’t have access to products from direct insurance companies. 

Ready for an insurance quote?

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Insurance brokers in Ontario are regulated by the Registered Insurance Brokers of Ontario (RIBO). RIBO oversees the licensing and professional conduct of insurance brokers in Ontario, as well as the education and training requirements for brokers. 

Need a quote?

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Generally speaking, yes.

Insurance brokers have a broad knowledge of the insurance market and can compare policies from multiple insurance companies. 

So, we’re more equipped to find you the right coverage at the cheapest rates than if you shopped alone.

As insurance brokers, we work with our clients to determine their specific insurance needs, and can then shop around for policies that provide the best coverage at the most competitive rates.

We can also advise you of the best rates on the market at renewal time. 

Additionally, insurance brokers can negotiate on behalf of our clients to secure better terms and conditions for their insurance policies.

So, if you’d like to be guided through the insurance purchasing process, a broker is the way to go. 

Let’s get you insured. 

Call us.

You can start working with KBD as early as today!

Consider us your local Ontario insurance broker.

Give our Ottawa head office a call to speak with our dedicated brokers, or visit our website for an online quote.

For all Ontario commercial insurance inquiries, call 1-833-437-9965.

Need insurance in Ontario?

Call us.