We’ll help you find the best insurance broker rates in Toronto

KBD is an Ontario insurance broker with 40+ years of experience in the Canadian industry.

We provide Toronto residents the best rates and coverage on home, car and business insurance.

We compare rates from top insurance companies to find you the best coverage
Insurance broker products we provide in Toronto
Car insurance

Need auto insurance in Toronto? We’ll help you to save on your car insurance rate by bundling your home, tenant, or condo insurance policy.

Home insurance

Your home is often one of your biggest assets. Make sure you’re properly insured with the right homeowners insurance. We can help with that.

Commercial insurance

Opening a business in Toronto? KBD offers commercial insurance to businesses across Ontario.

KBD clients say it best

Check out more than 600 5-star reviews
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.”

Ready for a quote? Chat with a KBD insurance broker today.

Toronto insurance broker - FAQs

What does an insurance broker do?

Insurance brokers provide a personalized insurance service to clients (aka: you). 

By working with a broker, you can get access to quotes from multiple insurance companies at once. 

Plus, they give you expert advice on any tricky insurance situations you might be dealing with. 

Here are a few more perks of working with an insurance broker:

  • They shop the market for you
  • They save you time & money 
  • They offer personalized coverage recommendations 
  • They process your insurance claims 
  • You speak to the same person each time

Need an insurance quote?

Call us.

How to find a great insurance broker in Toronto?

Good question.

An insurance agent works for and represents one insurance company. They’re only able to offer you insurance products from that particular company. This can limit coverage options and price points.

That said, there are also benefits to a direct insurance company, like 24 hour access to agents at large enterprises, and in some cases the ability to sign up completely online.

On the other hand, an insurance broker represents the client, whether business or individual.

That way, they can get quotes from the different insurance companies that they partner with to find the best policy for you.

So if you know exactly which insurance company you want to go with, direct insurance can be a good option.

But, if you want to be able to shop around for insurance coverage and pricing, a broker would be the best bet. And, if you’re looking for business insurance, brokers are generally the best choice.

Need insurance coverage in Ottawa? KBD can sort out your home, business and car insurance in Ontario and Quebec.

Call us

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

In super simple terms, an insurance broker works for an insurance brokerage, and an insurance agent works for a direct insurance company. 

That means that a broker can provide quotes from multiple insurance companies, while an agent can only provide quotes from the company they represent. 

Ready for a quote?

Call us.

What's the best insurance broker in Toronto?

It really depends on who’s the best fit for you

That’s because finding the best insurance broker is a personalized process.

It depends on a few key things like:

The type of insurance you need: Like we mentioned, not every insurance broker (or company) offers every kind of insurance. Make sure to find a broker that has the coverage you need. 

The kind of service you’re looking for: Do you want to work with the same broker each time, and deal with a company that has great reviews? We recommend checking out Google ratings to see how their customer service holds up against the competition. 

Where you’re located: If you’re in Toronto, you’ll need to get insured with a broker that’s licensed in the province of Ontario. 

So if you’re located in Toronto or the GTA, finding the best insurance broker for you comes down to who has the services that can best match your needs (at the best price). 

Need a business, home or auto insurance broker in Toronto?

Call us.

Do insurance brokers charge a fee in Ontario?

Fees are charged at the discretion of the brokerage, so it depends on who you’re working with. 

As for the brokers at KBD, we only charge a broker fee on commercial insurance in Ontario. 

That’s because each business requires different coverage, so the commercial insurance process is much more complex. 

All of our personal insurance products, from home, to condo, to tenant insurance, can be purchased broker-fee free. 

Still have questions?

Call us.

Are insurance brokers helpful?

We sure think so! 

But we’ll give you some facts, instead of just our (somewhat) biased opinion. 

Here are a few of the ways that insurance brokers can make your life easier:

  • They shop the market for you: Insurance brokers are trained to understand insurance jargon so that you don’t have to. Instead of trying to make sense of things by yourself, you can give your broker a call. 
  • Personalized service: Your insurance broker will assess your profile and make personalized recommendations based on your particular needs, while getting you the best rate. 
  • Process claims for you: If you have to make an insurance claim (fingers crossed that you don’t) you can call up your broker and they’ll guide you through the process to make it as painless as possible. 
  • Save you time and money:  You can get several insurance quotes with only one call to an insurance broker. This can save hours out of your day compared to if you contact insurance companies directly. 

Looking for a Toronto insurance broker?

Call us.

Which insurance companies work through brokers in Toronto?

Some insurance companies in Toronto work exclusively through brokers, while others offer their policies directly to the client. 

For example, at KBD, the insurance companies we work with as brokers include:

  • Intact: For home, car and business insurance clients
  • Economical: For home, car and business insurance clients
  • CFC Underwriting: For commercial insurance clients

Need a Toronto insurance broker?

Call us.

What does an insurance broker do?

Insurance brokers provide a personalized insurance service to clients (aka: you). 

By working with a broker, you can get access to quotes from multiple insurance companies at once. 

Plus, they give you expert advice on any tricky insurance situations you might be dealing with. 

Here are a few more perks of working with an insurance broker:

  • They shop the market for you
  • They save you time & money 
  • They offer personalized coverage recommendations 
  • They process your insurance claims 
  • You speak to the same person each time

Need an insurance quote?

Call us.

Do insurance brokers charge a fee in Ontario?

Fees are charged at the discretion of the brokerage, so it depends on who you’re working with. 

As for the brokers at KBD, we only charge a broker fee on commercial insurance in Ontario. 

That’s because each business requires different coverage, so the commercial insurance process is much more complex. 

All of our personal insurance products, from home, to condo, to tenant insurance, can be purchased broker-fee free. 

Still have questions?

Call us.

How to find a great insurance broker in Toronto?

Good question.

An insurance agent works for and represents one insurance company. They’re only able to offer you insurance products from that particular company. This can limit coverage options and price points.

That said, there are also benefits to a direct insurance company, like 24 hour access to agents at large enterprises, and in some cases the ability to sign up completely online.

On the other hand, an insurance broker represents the client, whether business or individual.

That way, they can get quotes from the different insurance companies that they partner with to find the best policy for you.

So if you know exactly which insurance company you want to go with, direct insurance can be a good option.

But, if you want to be able to shop around for insurance coverage and pricing, a broker would be the best bet. And, if you’re looking for business insurance, brokers are generally the best choice.

Need insurance coverage in Ottawa? KBD can sort out your home, business and car insurance in Ontario and Quebec.

Call us

Are insurance brokers helpful?

We sure think so! 

But we’ll give you some facts, instead of just our (somewhat) biased opinion. 

Here are a few of the ways that insurance brokers can make your life easier:

  • They shop the market for you: Insurance brokers are trained to understand insurance jargon so that you don’t have to. Instead of trying to make sense of things by yourself, you can give your broker a call. 
  • Personalized service: Your insurance broker will assess your profile and make personalized recommendations based on your particular needs, while getting you the best rate. 
  • Process claims for you: If you have to make an insurance claim (fingers crossed that you don’t) you can call up your broker and they’ll guide you through the process to make it as painless as possible. 
  • Save you time and money:  You can get several insurance quotes with only one call to an insurance broker. This can save hours out of your day compared to if you contact insurance companies directly. 

Looking for a Toronto insurance broker?

Call us.

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

In super simple terms, an insurance broker works for an insurance brokerage, and an insurance agent works for a direct insurance company. 

That means that a broker can provide quotes from multiple insurance companies, while an agent can only provide quotes from the company they represent. 

Ready for a quote?

Call us.

Which insurance companies work through brokers in Toronto?

Some insurance companies in Toronto work exclusively through brokers, while others offer their policies directly to the client. 

For example, at KBD, the insurance companies we work with as brokers include:

  • Intact: For home, car and business insurance clients
  • Economical: For home, car and business insurance clients
  • CFC Underwriting: For commercial insurance clients

Need a Toronto insurance broker?

Call us.

What's the best insurance broker in Toronto?

It really depends on who’s the best fit for you

That’s because finding the best insurance broker is a personalized process.

It depends on a few key things like:

The type of insurance you need: Like we mentioned, not every insurance broker (or company) offers every kind of insurance. Make sure to find a broker that has the coverage you need. 

The kind of service you’re looking for: Do you want to work with the same broker each time, and deal with a company that has great reviews? We recommend checking out Google ratings to see how their customer service holds up against the competition. 

Where you’re located: If you’re in Toronto, you’ll need to get insured with a broker that’s licensed in the province of Ontario. 

So if you’re located in Toronto or the GTA, finding the best insurance broker for you comes down to who has the services that can best match your needs (at the best price). 

Need a business, home or auto insurance broker in Toronto?

Call us.

Areas we serve as insurance brokers

Insurance broker quotes by city