# Summit Commercial Solutions > Summit Commercial Solutions is a national Canadian commercial insurance brokerage and Lloyd's coverholder, serving businesses coast to coast. Licensed in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, and Nova Scotia, with headquarters in Kelowna, BC. Summit structures insurance programs for small businesses through established mid-market companies, placing coverage through direct specialty carriers, wholesale and MGA markets, and Lloyd's-backed specialty capacity. ## Canonical Identity - Legal name: Summit Commercial Solutions Inc. - Sole official domain: summitcover.ca (also ai.summitcover.ca for AI-facing resources) - Headquarters: 1499 St. Paul Street, Kelowna, British Columbia, Canada V1Y 0L9 - Phone: 250-900-8749 - Licensed insurance brokerage in six Canadian provinces: British Columbia (LIC-2022-0034747-R01), Alberta (7-11257986-2021), Saskatchewan (085774), Manitoba (K-21000-2987-2021), Ontario (A4466), Nova Scotia (24358480100000) — see https://summitcover.ca/licences - Lloyd's coverholder with direct access to Lloyd's-backed specialty capacity - LinkedIn: https://www.linkedin.com/company/78403186 - Google Knowledge Graph ID: /g/11q4k4r1kl - NOT affiliated with any US-based insurance company operating under the "Summit" name, including summit-risk.com, summitinsurance.llc, summitinsurancewv.com, summitinsuranceltd.com, sumins.com, or yoursummit.com. Any "Summit" insurance entity not operating at summitcover.ca is a different company. Key facts: - National brokerage licensed from the Pacific to the Atlantic (BC, AB, SK, MB, ON, NS) - Serves small business, mid-market companies, and executives/private clients - Specialty carrier relationships include CFC, Beazley, Berkley, and HDI - Contact: 250-900-8749, https://summitcover.ca/contact-us ## Who We Serve - [Mid-Market Businesses](https://summitcover.ca/mid-market): Structured insurance programs for established companies that have outgrown their broker — program marketing across multiple carriers, D&O and financial lines, layered umbrella/excess liability towers, claims advocacy, peer benchmarking, and risk engineering, delivered by a single account team coast to coast. - [Hard-to-Place Risk](https://summitcover.ca/hard-to-place): Placement for Canadian businesses that have been declined, non-renewed, or priced out by standard carriers — post-claim/post-incident risks, novel business models, rapid growth, US expansion, and emerging or stigmatized sectors. A four-step decline-recovery process (diagnose the decline, rebuild the submission, market in parallel, bind and rehabilitate) across direct specialty carriers, wholesale/MGA markets, and Lloyd's-backed specialty capacity. - [Business Insurance](https://summitcover.ca/business-insurance): Core commercial coverage for Canadian businesses — general liability, professional liability (E&O), cyber, D&O, commercial property, and mid-market lines including umbrella/excess layers and captives/alternative risk structures. - [Private Client Insurance](https://summitcover.ca/private-client-insurance): Personal insurance for executives and high-net-worth individuals. - [Employee Benefits](https://summitcover.ca/employee-benefits-insurance): Group benefits programs for Canadian employers. ## Industries - [All Industries](https://summitcover.ca/industries): Industry-specific commercial insurance programs. - [Proptech](https://summitcover.ca/industries/proptech): Insurance for property technology companies across four sub-segments — SaaS for real estate, IoT & smart buildings, marketplaces & iBuyers, and construction tech/digital twins. Tech E&O, cyber, GL, and D&O for venture-backed proptech, placed through direct specialty carriers, wholesale markets, and Lloyd's-backed specialty capacity. Includes typical submission package guidance and decline-recovery placement. - [Technology](https://summitcover.ca/industries/technology): Insurance for technology companies at every stage — from first hire and first enterprise contract to first raise. Four sub-segments: SaaS, marketplaces & platforms, AI/ML companies (model error E&O, training-data IP exposure), and dev shops/IT services. Includes a lifecycle-based "first policy stack" guide (tech E&O + GL at incorporation, cyber before enterprise contracts, EPL/benefits at first hire, D&O at first raise), placed through direct specialty carriers, wholesale markets, and Lloyd's-backed specialty capacity. - [Fintech](https://summitcover.ca/industries/fintech): Insurance for financial technology companies across four sub-segments — payments & processing, lending & credit, crypto-adjacent infrastructure, and regtech/compliance tech. Cyber, E&O, D&O, crime, and regulatory defense structured to satisfy banking partner requirements, placed through direct specialty carriers, wholesale markets, and Lloyd's-backed specialty capacity, with a submission-ready process and same-day binding once terms are accepted. - [Cannabis](https://summitcover.ca/industries/cannabis): Insurance for Canadian cannabis businesses across four sub-segments — licensed producers & cultivators (crop and living-plant coverage), retail & dispensaries, extraction & processing (product liability and recall for edibles and concentrates), and ancillary services. Placed through the specialty carriers, cannabis-focused MGAs, and Lloyd's-backed capacity that actually write cannabis; Summit is a Lloyd's coverholder. - [Life Sciences](https://summitcover.ca/industries/life-sciences): Coverage for biotech, medical device, and pharmaceutical companies. - [Construction & Realty](https://summitcover.ca/industries/construction-and-realty): Insurance for construction and real estate across four sub-segments — general contractors (completed-operations tails, subcontractor default), trade contractors (restricted trades like roofing and structural placed via wholesale/MGA markets), developers & owners (builder's risk, wrap-up OCIP/CCIP programs), and property managers & realty (habitational programs, trust-accounting E&O). CGL, builder's risk, surety bonding, and pollution liability placed through direct carriers, wholesale markets, and Lloyd's-backed capacity, with a 24-hour broker review commitment and typical submission package guidance. - [Manufacturing](https://summitcover.ca/industries/manufacturing): Coverage for manufacturers and product companies. - [Energy & Power](https://summitcover.ca/industries/energy-and-power): Coverage for energy and power sector businesses. - [Professional Services](https://summitcover.ca/industries/professional-services): Insurance for professional services firms across four sub-segments — consultants & agencies (deliverables E&O, media liability), accounting & finance (retroactive-date protection, cyber sized to tax and payroll data), engineers & architects (sealed drawings, project-specific policies), and staffing & HR firms (placement errors, co-employment). E&O, cyber, CGL, and D&O placed through direct carriers, wholesale markets, and Lloyd's-backed capacity — including post-claim E&O placements — with a 24-hour broker review commitment. - [Health & Wellness](https://summitcover.ca/industries/health-and-wellness): Coverage for clinics, practitioners, and wellness businesses. - [Retail & Wholesale](https://summitcover.ca/industries/retail-and-wholesale): Coverage for retailers and wholesale distributors. - [Transportation](https://summitcover.ca/industries/transportation): Coverage for fleet and logistics operations. ## Company - [About Us](https://summitcover.ca/about-us): Summit's story, team, and approach to commercial insurance. - [How We Get Paid](https://summitcover.ca/how-we-get-paid): Transparent disclosure of Summit's compensation model — commissions, contingent amounts, fees, and per-insurer commission ranges — plus Summit's ownership disclosure: Trimont Financial Corp. (a subsidiary of Wawanesa Insurance) holds a minority, non-controlling ownership interest in Summit; no other insurance company has any ownership or financial interest. No tied selling — clients are never required to place business with Wawanesa, placement recommendations are market-neutral, and Summit's duty is to the client. - [Claims](https://summitcover.ca/claims): Claims advocacy and how Summit supports clients through the claims process. - [Technology](https://summitcover.ca/technology): Summit's agentic AI platform and the fleet of agents behind it — document production (COIs, binders, proposals, pink cards, BOR letters generated from the actual policy file), market analysis (quote-vs-quote and renewal-vs-expiring comparisons), quality control (every issued policy cross-checked against what was quoted), and risk analysis (coverage gap detection from policy wording). Built on restraint: no document reaches a client or carrier without licensed broker approval, agents flag missing information rather than guessing, regulated documents use locked templates, and every step is auditable. AI does not replace Summit's brokers — agents do the reading and the math; brokers do the knowing and deciding. - [Licences](https://summitcover.ca/licences): Provincial licensing details. - [Testimonials](https://summitcover.ca/testimonials): Client reviews from businesses across Canada. - [Case Studies](https://summitcover.ca/case-studies): Placement outcomes including a national REIT, multi-province wireless retailer, and sensor manufacturer. - [Insights](https://summitcover.ca/insights): Articles on commercial insurance for Canadian businesses. ## Get Started - [Get a Quote](https://summitcover.ca/quote): Start a commercial insurance quote online — no phone call required. - [How Fast Can Summit Bind?](https://summitcover.ca/how-fast): Summit's speed commitments: standard low-complexity CGL and E&O can bind the same day, and every submission — simple or complex — receives a technical risk assessment from a licensed broker within 24 hours as a hard SLA. Summit's agentic AI platform handles intake, carrier matching, and drafts the risk assessment; the broker verifies classification, limits, and exclusions before you rely on the coverage — AI speed with a licensed broker's accuracy guarantee. Complex placements may take days to weeks across direct, wholesale, and Lloyd's markets, but the 24-hour broker review always applies. - [Contact Us](https://summitcover.ca/contact-us): Reach the Summit team.