Get the best coverage & rate on home, car and commercial insurance in Quebec

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

We provide expert advice and tailored insurance coverage to home, car and business insurance clients in Quebec.

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Quebec insurance broker products we provide
Home insurance

Need house insurance in Quebec? We provide coverage for fire, flood, liability, and more to homeowners.

Car insurance

As a Quebec auto insurance broker, we offer personal, commercial, and specialty coverage to Quebec drivers. Ensure that you’re covered with the right kind of policy for your needs.

Commercial insurance

KBD is a commercial insurance broker in Quebec. We offer coverage to small and medium sized businesses throughout the province.

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 Quebec insurance broker today.

Quebec insurance broker - FAQs

What is an insurance broker?

So, what exactly is a broker for insurance purposes? 

Let’s break it down.

Put simply, insurance brokers like KBD work with insurance companies to distribute policies to clients (aka: you). 

We work with you to customize your insurance, advise you on coverage, and find the best rate. 

And some insurance companies only work with insurance brokers to sell their policies.

So, by working with a registered insurance broker, you can get access to their products. 

For example, as a Quebec insurance broker, KBD works with the following companies (and others) which sell specialized coverages exclusively through brokers:

  • Lloyd’s: Lloyd’s offers insurance coverage to companies that fall into “off colour” categories. Think construction or lumber and mining operations.  
  • CFC Underwriting: CFC provides cyber insurance coverage to IT companies, and other online businesses. If you run a tech start-up, for example, this could be the insurance company for you. 
  • Intact: KBD is an Intact Insurance broker offering home, car, and business coverage. 

In short, insurance brokers like KBD make the insurance buying process simple and easy to understand, while giving you access to the perks of a personalized service. 

Looking for an insurance broker in Quebec?

Call us

How do I find the right Quebec insurance broker for me?

First things first: What kind of insurance do you need? 

Not all brokers offer every type of insurance, so finding the best insurance broker for you will depend on the type of coverage that you’re looking for. 

Case in point: At KBD, we offer home, car and business insurance in Quebec.

Here are a few tips for finding the right insurance broker for you: 

  1. Make sure they offer the coverage you need
  2. Check out their Google reviews 
  3. Ensure that they’re registered in Quebec

This way, when you’re comparing a list of insurance brokers in Quebec, you’ll get a good gauge of whether they’re the right fit for you. 

Call us.

What questions should I ask my insurance broker?

Our insurance clients tend to focus on two things: price and coverage.

And they’re right – those things are important!

Now, whether you’re a home, car or commercial insurance client (or all three), there are a few questions you should ask your insurance broker.  

With these questions, you can save money and make sure that you’re properly insured.

  1. What exactly am I covered for?
  2. What’s the price of my coverage?
  3. How much is my deductible?

If you know the answers to these questions, there will be no surprises if you end up having to make an insurance claim (touch wood!). 

Still have questions?

Call us.

Who are the top insurance brokers in Quebec?

It depends on what you’re looking for! 

Remember: Insurance is a personalized service, so the best insurance broker for your friend might not be the right fit for you. 

Why? Because not all brokers offer every type of insurance. 

BUT, if you’re looking for the best insurance in Quebec, here’s a pro tip:

Google reviews are a good place to start when finding the best insurance providers to work with. 

That’s because you can get an inside look at customer satisfaction rates from broker to broker. 

And for the record, KBD has over 600 5-star reviews on Google.

You can also check out our post on the top insurance companies in Quebec here

Looking for a commercial, car or home insurance broker in Quebec?

Call us.

What is the key role of an insurance broker?

The key role of an insurance broker is to advise clients on the best insurance coverage for them.

So, instead of having to figure everything out on your own, brokers will find the right insurance coverage for your needs. 

Here are a few of the key roles of an insurance broker:

  • To offer a personalized service 
  • To provide insurance claims support
  • To offer access to multiple insurance companies 
  • To save you time & money 

Need a Quebec insurance broker?

Call us.

Is it cheaper to use an insurance broker in Quebec?

That depends – when the market fluctuates, so do insurance rates. 

So insurance companies are constantly adjusting their prices to match. 

Considering this, the “cheapest” insurance company is always changing. 

BUT, if you’re looking for cheap insurance in Quebec, working with a broker does have its advantages.  

Here are a few of the perks of working with a Quebec insurance broker like KBD:

  • Access to quotes from multiple companies
  • Assistance with making claims
  • They shop the market for you & find the best rate

That said, your insurance broker can provide you with multiple quotes from different companies at once. 

So, by working with an insurance broker, you can easily find the cheapest rate for you at any given time. 

Looking for a commercial, home or car insurance broker in Quebec?

Call us.

What are the advantages or disadvantages of using an insurance broker?

Not going to lie, we tend to think that working with an insurance broker is the best choice.

Having said that – we’re all about being objective.

That way, you can find the best insurance for you.

Depending on your situation, there are a few factors that you might consider to be a downside. 

Here are some of the pros and cons of working with an insurance broker:

Advantages 

  • Saves time & money: A broker offers access to multiple insurance companies at once, so you don’t have to shop around yourself. 
  • Personalized service: If you have tricky insurance requirements, a broker can offer expert advice. 
  • Dedicated assistance: You get to speak with the same person every time – which means that you don’t have to rehash your situation each time you call. 

Disadvantages 

  • Some brokers charge fees: This varies from broker to broker – but it’s something to watch out for. KBD only charges broker fees to commercial clients. 
  • They don’t specialize in just one product: Unlike direct insurance agents, brokers work with multiple companies, so they might not have as in-depth knowledge of a particular product. 

Still have questions? You can always give the team at KBD a call. 

Call us.

Who regulates insurance brokers in Quebec?

The Autorité des Marchés Financiers, or AMF is the Quebec insurance brokers association that regulates insurance brokers in the province. 

Call us.

What is an insurance broker?

So, what exactly is a broker for insurance purposes? 

Let’s break it down.

Put simply, insurance brokers like KBD work with insurance companies to distribute policies to clients (aka: you). 

We work with you to customize your insurance, advise you on coverage, and find the best rate. 

And some insurance companies only work with insurance brokers to sell their policies.

So, by working with a registered insurance broker, you can get access to their products. 

For example, as a Quebec insurance broker, KBD works with the following companies (and others) which sell specialized coverages exclusively through brokers:

  • Lloyd’s: Lloyd’s offers insurance coverage to companies that fall into “off colour” categories. Think construction or lumber and mining operations.  
  • CFC Underwriting: CFC provides cyber insurance coverage to IT companies, and other online businesses. If you run a tech start-up, for example, this could be the insurance company for you. 
  • Intact: KBD is an Intact Insurance broker offering home, car, and business coverage. 

In short, insurance brokers like KBD make the insurance buying process simple and easy to understand, while giving you access to the perks of a personalized service. 

Looking for an insurance broker in Quebec?

Call us

What is the key role of an insurance broker?

The key role of an insurance broker is to advise clients on the best insurance coverage for them.

So, instead of having to figure everything out on your own, brokers will find the right insurance coverage for your needs. 

Here are a few of the key roles of an insurance broker:

  • To offer a personalized service 
  • To provide insurance claims support
  • To offer access to multiple insurance companies 
  • To save you time & money 

Need a Quebec insurance broker?

Call us.

How do I find the right Quebec insurance broker for me?

First things first: What kind of insurance do you need? 

Not all brokers offer every type of insurance, so finding the best insurance broker for you will depend on the type of coverage that you’re looking for. 

Case in point: At KBD, we offer home, car and business insurance in Quebec.

Here are a few tips for finding the right insurance broker for you: 

  1. Make sure they offer the coverage you need
  2. Check out their Google reviews 
  3. Ensure that they’re registered in Quebec

This way, when you’re comparing a list of insurance brokers in Quebec, you’ll get a good gauge of whether they’re the right fit for you. 

Call us.

Is it cheaper to use an insurance broker in Quebec?

That depends – when the market fluctuates, so do insurance rates. 

So insurance companies are constantly adjusting their prices to match. 

Considering this, the “cheapest” insurance company is always changing. 

BUT, if you’re looking for cheap insurance in Quebec, working with a broker does have its advantages.  

Here are a few of the perks of working with a Quebec insurance broker like KBD:

  • Access to quotes from multiple companies
  • Assistance with making claims
  • They shop the market for you & find the best rate

That said, your insurance broker can provide you with multiple quotes from different companies at once. 

So, by working with an insurance broker, you can easily find the cheapest rate for you at any given time. 

Looking for a commercial, home or car insurance broker in Quebec?

Call us.

What questions should I ask my insurance broker?

Our insurance clients tend to focus on two things: price and coverage.

And they’re right – those things are important!

Now, whether you’re a home, car or commercial insurance client (or all three), there are a few questions you should ask your insurance broker.  

With these questions, you can save money and make sure that you’re properly insured.

  1. What exactly am I covered for?
  2. What’s the price of my coverage?
  3. How much is my deductible?

If you know the answers to these questions, there will be no surprises if you end up having to make an insurance claim (touch wood!). 

Still have questions?

Call us.

What are the advantages or disadvantages of using an insurance broker?

Not going to lie, we tend to think that working with an insurance broker is the best choice.

Having said that – we’re all about being objective.

That way, you can find the best insurance for you.

Depending on your situation, there are a few factors that you might consider to be a downside. 

Here are some of the pros and cons of working with an insurance broker:

Advantages 

  • Saves time & money: A broker offers access to multiple insurance companies at once, so you don’t have to shop around yourself. 
  • Personalized service: If you have tricky insurance requirements, a broker can offer expert advice. 
  • Dedicated assistance: You get to speak with the same person every time – which means that you don’t have to rehash your situation each time you call. 

Disadvantages 

  • Some brokers charge fees: This varies from broker to broker – but it’s something to watch out for. KBD only charges broker fees to commercial clients. 
  • They don’t specialize in just one product: Unlike direct insurance agents, brokers work with multiple companies, so they might not have as in-depth knowledge of a particular product. 

Still have questions? You can always give the team at KBD a call. 

Call us.

Who are the top insurance brokers in Quebec?

It depends on what you’re looking for! 

Remember: Insurance is a personalized service, so the best insurance broker for your friend might not be the right fit for you. 

Why? Because not all brokers offer every type of insurance. 

BUT, if you’re looking for the best insurance in Quebec, here’s a pro tip:

Google reviews are a good place to start when finding the best insurance providers to work with. 

That’s because you can get an inside look at customer satisfaction rates from broker to broker. 

And for the record, KBD has over 600 5-star reviews on Google.

You can also check out our post on the top insurance companies in Quebec here

Looking for a commercial, car or home insurance broker in Quebec?

Call us.

Who regulates insurance brokers in Quebec?

The Autorité des Marchés Financiers, or AMF is the Quebec insurance brokers association that regulates insurance brokers in the province. 

Call us.

Areas we serve as insurance brokers

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