Case Studies
Real results for real businesses.
Every business deserves a broker who actually understands them. Here's how we've helped Canadian companies reduce premiums, close coverage gaps, and transform their insurance programs.
Featured Results
reduction in year-over-year premium
E-Bike Retail
The Challenge
An e-bike retailer with rigorous risk management practices was being overcharged because their broker failed to properly communicate their safety protocols and inventory procedures to insurers.
The Outcome
Summit coached the client through additional risk management measures, rebuilt their insurance submission to accurately represent their low-risk profile, and secured a 46% premium reduction through strategic remarketing.
Eduardo Campos
Partner & Head of Sales
reduction in premiums over two years
HVAC
The Challenge
An HVAC company faced late renewals, incorrect COIs showing wrong coverage levels, and year-over-year premium increases with no competitive options presented after their broker was acquired.
The Outcome
Summit conducted a comprehensive policy audit 60 days before renewal, corrected inaccurate coverage valuations, increased GL coverage to $5M, and achieved a 40% premium reduction over two years through targeted market placement.
Kyle Chan
Commercial Account Executive
tenant insurance compliance achieved
Real Estate & Property Management
The Challenge
A national REIT faced rising administrative burden, insufficient insurance compliance, increasing deductibles, and a substantial number of uninsured tenants across their portfolio.
The Outcome
Summit deployed compliance software integrating with the REIT's ERP, achieved 100% tenant insurance compliance, leveraged the improved risk profile to secure better coverage rates, and reduced administrative burden across the portfolio.
Josh Pillsbury
Managing Partner
More Success Stories
premium reduction — saving $53,364 annually
Sensor Manufacturing
The Challenge
A sensor manufacturer had a complex policy structure across multiple insurers, compounding rate increases, and no proactive risk management from their existing broker.
The Outcome
Summit consolidated multiple policies under fewer insurers, developed a deductible strategy to lower costs, added Cyber Liability at no additional cost, and achieved a 31% premium reduction saving $53,364 annually.
Miran Saradzic
Commercial Account Executive
reduction in year-over-year premium
Wireless Retail
The Challenge
A Canadian wireless dealer with locations across three provinces had distorted revenue reporting due to device subsidies, frequent location changes, and an active fire/smoke claim running parallel to renewal.
The Outcome
Summit rebuilt the underwriting file, separated subsidy pass-throughs from retained commission income, managed the claim coordination in parallel, and moved the account from ~$88K to ~$62K — a 30% reduction with improved terms.
Miran Saradzic
Partner & Account Executive
reduction in year-over-year premium
Hot Roofing & Waterproofing
The Challenge
A Metro Vancouver roofing contractor had a $120K expiring premium with no documented marketing process, late renewals, and no ability to compare options or understand pricing rationale.
The Outcome
Summit rebuilt the underwriting submission from first principles, ran a structured multi-market process, and moved the account from ~$120K to ~$98K — a ~$22K reduction — while improving COI turnaround and program clarity.
Kyle Chan
Partner & Account Executive
reduction in year-over-year premium
Group Benefits
The Challenge
A growing manufacturing firm had tax compliance gaps, outdated disability coverage, and inadequate out-of-country travel insurance for a workforce spanning 50+ countries.
The Outcome
Summit clarified CRA tax treatment, modernized the disability plan for high earners, and introduced a purpose-built business travel medical policy — delivering an 18% premium reduction with stronger, future-ready protection.
Kandy Cantwell
Head of Group Benefits & Life
in annual premium savings
Manufacturing
The Challenge
A manufacturer faced insufficient coverage, automatic renewals, and compounded 5–10% rate increases year-over-year with no alternatives presented.
The Outcome
Summit conducted a full property audit, uncovering $500K in underinsurance, and placed the account with an A+ rated insurer — including Legal Expense and Cyber coverage — while cutting premiums by $15,000.
Kyle Chan
Commercial Account Executive
in annual premium savings
Architecture & Engineering
The Challenge
An engineering firm's risk management procedures and accurate revenue figures were not being reflected in their insurance submissions, resulting in premiums well above market and inadequate coverage.
The Outcome
Summit rebuilt the underwriting submission with detailed contract documentation and corrected revenue figures — negotiating premiums from $46,000 down to $32,285 and recommending policy consolidation for broader coverage.
Eduardo Campos
Partner & Head of Sales
reduction in year-over-year premiums
RV Park & Campground
The Challenge
A combined motel and RV park operation faced rising premiums, insufficient building and profit coverage limits, and felt their unique operational risks were being misrepresented to insurers.
The Outcome
Summit repositioned the risk profile by documenting proactive risk management procedures, securing increased building and profit coverage limits with flexible deductible options — reducing premiums by 11%.
Eduardo Campos
Partner & Head of Sales
saved while increasing TIV by 40%
Hospitality
The Challenge
A Vancouver Island pub was severely underinsured, locked into automatic renewals with year-over-year rate increases, and had been told no competitive options existed.
The Outcome
Summit completed a full audit 60 days before renewal, increased Total Insured Value by 40%, created a competitive market process, and secured a $5,000 premium reduction while improving coverage.
Kyle Chan
Commercial Account Executive