Leave it to us - we’ll match you with the best home, car & business insurance in Ontario, tailored to your needs.
As your insurance broker, we’ll help you to find the best rates and coverage in Ontario
KBD is an Ontario insurance broker combining 40+ years of industry expertise with a seamless, modern client experience.
We provide a tailored home, car and business insurance service to clients throughout Ontario.

Looking for auto insurance in Ontario? We provide Ontario drivers with the best coverage for their needs. Need high risk or commercial car insurance? We’ve got that too.
Your home is one of your biggest investments. Make sure that you have the right home insurance coverage in place to protect your property.
Whether you own a business in Ontario, or you’re moving your operations to the province, you should have commercial insurance in place. We can help with that.
Our clients say it best.
See over 600 5-star reviews in Google.Need a quote? Speak with our Ontario insurance brokers today.
Ontario insurance broker - FAQs
Where in Ontario does KBD provide insurance?
KBD is a Canadian insurance broker with 40+ years of industry experience providing business, home, and car insurance. We provide insurance services to clients throughout the province of Ontario.
So, whether you’re based in Ottawa, Thunder Bay, Toronto, or any town in between, we can help get you the right insurance coverage for your needs.
Ready for a quote?
How do insurance brokers work in Ontario?
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.
What is expected of an insurance broker?
Insurance brokers are expected to act in the best interests of their clients and provide expert advice on insurance products and coverage options.
Plus, 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?
What is the key role of an insurance broker?
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?
How do I find the best insurance brokers in Ontario?
Not all insurance brokers are equal – some offer specialty products and services that aren’t available elsewhere.
With this considered, the best insurance broker is the one 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:
- 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.
- 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?
What are the disadvantages of using an insurance broker?
While insurance brokers can provide many benefits, there are also a few disadvantages to using their services.
- 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 and car insurance with us sans broker fees.
- Limited access to some insurance companies: Some insurance companies may only work with specific brokers, meaning 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?
Who regulates insurance brokers in Ontario?
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?
Do insurance brokers get better rates?
Insurance brokers have a broad knowledge of the insurance market and can compare policies from multiple insurance companies.
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.
Where in Ontario does KBD provide insurance?
KBD is a Canadian insurance broker with 40+ years of industry experience providing business, home, and car insurance. We provide insurance services to clients throughout the province of Ontario.
So, whether you’re based in Ottawa, Thunder Bay, Toronto, or any town in between, we can help get you the right insurance coverage for your needs.
Ready for a quote?
How do I find the best insurance brokers in Ontario?
Not all insurance brokers are equal – some offer specialty products and services that aren’t available elsewhere.
With this considered, the best insurance broker is the one 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:
- 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.
- 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?
How do insurance brokers work in Ontario?
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.
What are the disadvantages of using an insurance broker?
While insurance brokers can provide many benefits, there are also a few disadvantages to using their services.
- 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 and car insurance with us sans broker fees.
- Limited access to some insurance companies: Some insurance companies may only work with specific brokers, meaning 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?
What is expected of an insurance broker?
Insurance brokers are expected to act in the best interests of their clients and provide expert advice on insurance products and coverage options.
Plus, 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?
Who regulates insurance brokers in Ontario?
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?
What is the key role of an insurance broker?
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?
Do insurance brokers get better rates?
Insurance brokers have a broad knowledge of the insurance market and can compare policies from multiple insurance companies.
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.