2020/03/27
Curtis Killen

3 Reasons To Work With a Commercial Insurance Broker

Commercial insurance broker in Montreal

When on the search for insurance that will support your business, give you reasonable rates, and work with you to achieve your goals, a thousand questions can seem to be swimming about in your head.

“My landlord told me I need commercial general liability insurance. What is that, and how do I get it?”

“How much does insurance cost for a small business?”

“Why did the cost of my commercial insurance renewal increase?”

“Does affordable insurance exist for my industry?”

Questions like these can plague your mind until someone takes you under their wing and gives you the answers you need to soothe the storm.

Lucky for you, KBD has just the wing you’re looking for, and we’re eager to assist you with all your insurance needs.

 

KBD is your local commercial insurance broker

KBD is a Montreal based insurance broker, and we provide business, home, and car insurance to companies and residents of Quebec, to help you get affordable rates and even better coverage.

With over 40 years of experience, KBD has your back.

Our West Island office provides home & car insurance services, while our downtown Montreal office focuses on providing quality business insurance.

Our primary focus in this informative article will be the vast subject of business insurance coverage, and how insurance brokers like KBD can help.

What does a commercial insurance broker do?

A commercial insurance broker is the “middleman” between the insurance company and the client.

We handle the sales and service aspect, while the insurance company is the entity that pays out in the event of a claim your business may incur.

Why you should work with a commercial insurance broker like KBD

We can tailor a policy to fit your budget

Since we represent multiple insurance companies, we have access to different pricing, allowing us to find the best possible rate for your business.

Whether you’re looking for the minimum insurance requirements to satisfy your landlord’s contract, or you’re looking to find broader coverage, we have a solution.

We can shop for your business at renewal

Almost all policies are one-year contracts, so if you’re unhappy with the first insurance provider, we can find you a better match.

Having access to several insurance markets doesn’t only mean an excellent insurance package when you first become a client, but also throughout your stay with us at KBD Insurance.

A more personalized service

We are one of the fastest-growing insurance brokers in Quebec for one straightforward reason: we place a significant emphasis on service and making things convenient for you.

When you insure your business with us, instead of using a more corporate approach, we assign one insurance representative to handle your file, allowing us to become familiar with your exact needs.

Here are some of the industries we love to insure

  • Café / bakeries
  • Restaurants
  • Retailers
  • Fitness / Yoga Professionals
  • Building owners (rental property)
  • Professional therapy
  • Business offices
  • Online / IT
  • Machine shops
  • Professional Liability
  • Distributors

Click the icons below to see the core insurance protections we offer

Businesses who own their building to run their day-to-day operations will want to insure this real estate against insured perils like water, fire, vandalism, flood and earthquake. If you have a mortgage on the property, the bank will oblige that you purchase an insurance policy to protect it for the amount that it would cost to rebuild the structure. It’s not mandatory to purchase this protection, but is certainly highly recommended.

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Coverage for items such as your desks, tables, computers, telephones; basically, anything that is tangible and that remains in your locale and that belongs to your business.

Get your quote

If you are a distributor or a grocery store, you will definitely want to insure your stock, which in insurance terms is the produce you sell to your customers.

Find out more

While your stock is in transit, you’ll want to have this insured. Most people are unaware that transport companies are not fully liable if they lose your shipment order, whether it was their fault or not.

Get your quote

When your business can’t operate due to a claim, it is important that your revenue stream keeps coming in as you will still need to pay for your fixed costs like rent and hydro. In short, this covers your business for the loss of profits, fixed costs and administrative payroll.

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Arguably the most important protection that a business can have in terms of insurance protection, this covers your enterprise if someone (person or entity) attempts to sue you for an event relating to your business activities and that caused third party property damage or bodily injury.

Get your quote

Covers you for any extra expenses that are over your regular operating costs to get your business back in operation after a claim. An example would be an insurance broker who suffered a fire at his office and will need to rent emergency locale. In this situation, the rent would be covered by “extra expense”.

Find out more

KBD Insurance
KBD Insurance
KBD Insurance
KBD Insurance
KBD Insurance
KBD Insurance
KBD Insurance

Buildings

Businesses who own their building to run their day-to-day operations will want to insure this real estate against insured perils like water, fire, vandalism, flood and earthquake.

If you have a mortgage on the property, the bank will oblige that you purchase an insurance policy to protect it for the amount that it would cost to rebuild the structure. It’s not mandatory to purchase this protection, but is certainly highly recommended.
Contact us

+ Read more

Contents

Coverage for items such as your desks, tables, computers, telephones; basically, anything that is tangible and that remains in your locale and that belongs to your business.

Get your quote

Stock

If you are a distributor or a grocery store, you will definitely want to insure your stock, which in insurance terms is the produce you sell to your customers.

Find out more

Contents in Transit

While your stock is in transit, you’ll want to have this insured. Most people are unaware that transport

companies are not fully liable if they lose your shipment order, whether it was their fault or not.
Get your quote

Business Interruption

When your business can’t operate due to a claim, it is important that your revenue stream keeps coming in as you will still need to pay for your fixed

costs like rent and hydro. In short, this covers your business for the loss of profits, fixed costs and administrative payroll.
Contact us

+ Read more

Liability Coverage

Arguably the most important protection that a business can have in terms of insurance protection, this covers your enterprise if someone

(person or entity) attempts to sue you for an event relating to your business activities and that caused third party property damage or bodily injury.
Get your quote

+ Read more

Extra Expense

Covers you for any extra expenses that are over your regular operating costs to get your business back in operation after a claim. An example would

be an insurance broker who suffered a fire at his office and will need to rent emergency locale. In this situation, the rent would be covered by “extra expense”.

Find out more

+ Read more

It’s time to work with a commercial insurance broker like KBD

Finding the right coverage for your business is a simple task when you work with a commercial insurance broker like KBD, so whether your company is looking for its first insurance policy, or looking to find a more competitive rate, we’re here to help.

If you would like to receive a free online quote, click here.

Or, if you would prefer to talk to one of our commercial insurance brokers directly, give us a call at the number on this page!

We are commercial insurance experts, so you don’t have to be.

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