Case Studies
What changed when they switched to Summit.
Each case below is a real placement: what wasn't working with the previous broker, how Summit rebuilt the program, and the outcome — from a national REIT to a single-location pub.
- 18.6%reduction in annual premium — saving $95,751 per year
National Specialty Retail
A national specialty retailer cut premium 18.6% ($95,751 a year) by consolidating a 12-policy, eight-insurer program
A national specialty retailer with 29 locations, ~$300M in insured values, an e-commerce channel and overseas supply chains had a program spread across 12 policies and eight insurers, renewed year after year without being tested against new markets. Summit ran a technical risk assessment that surfaced structural gaps, took the account to markets the incumbent hadn't approached in years, and consolidated property and primary liability with a single carrier, cutting premium 18.6% while lowering the liability deductible from $75,000 to $5,000 and raising contingent business interruption cover tenfold.
- Region
- National (Canada), headquartered in Western Canada
- Advisor
- Josh Pillsbury
- 100%tenant insurance compliance achieved
Real Estate Investment Trust
A national REIT reached 100% tenant insurance compliance and cut insurance costs
How Summit took a national REIT to 100% tenant insurance compliance with ERP-integrated compliance software, then used the improved risk profile to secure better rates and coverage across its real estate schedules.
- Region
- National (Canada)
- Advisor
- Josh Pillsbury
- More than30%reduction in year-over-year premium
Wireless Retail
A multi-province wireless dealer cut premium 30% while a fire/smoke claim ran in parallel
How Summit rebuilt the underwriting file for a wireless dealer across Manitoba, Saskatchewan, and Alberta, separated subsidy pass-throughs from retained commission income, coordinated an active fire/smoke and business interruption claim, and moved the account from about $88,000 to about $62,000 at renewal.
- Region
- Manitoba, Saskatchewan & Alberta
- Advisor
- Miran Saradzic
- More than31%premium reduction — $53,364 saved annually
Sensor Manufacturing
A sensor manufacturer saved $53,364 a year and added cyber coverage at no extra cost
How Summit consolidated a sensor manufacturer's policies under fewer insurers, built a deductible strategy, added Cyber Liability at no additional cost, and achieved a 31% premium reduction worth $53,364 annually.
- Advisor
- Miran Saradzic
- More than46%reduction in year-over-year premium
E-Bike Retail
An e-bike retailer cut premium 46% by getting its risk management in front of insurers
How Summit audited an e-bike retailer's representation to insurers, coached the client through additional risk management measures, and remarketed the account to secure a 46% reduction from the incumbent renewal.
- Advisor
- Eduardo Campos
- More than40%reduction in premiums over two years
HVAC
An HVAC contractor saved 40% over two years and raised its GL limit to $5M
How Summit fixed late renewals and incorrect certificates of insurance for an HVAC company, corrected its property valuation, increased General Liability to $5M, and delivered 40% premium savings over two years.
- Advisor
- Kyle Chan
- More than20%reduction in year-over-year premium
Hot Roofing & Waterproofing
A Metro Vancouver roofing contractor cut ~$22K from a $120K program with a documented market process
How Summit rebuilt the underwriting submission for a Metro Vancouver hot roofing and waterproofing contractor, documented hot-work controls, ran a tracked multi-market process, and moved the account from about $120,000 to about $98,000 while keeping $5M CGL.
- Region
- Metro Vancouver, British Columbia
- Advisor
- Kyle Chan
- More than18%reduction in year-over-year premium
Group Benefits — Manufacturing · Benefits
A global manufacturer cut benefits premium 18% while fixing tax, disability, and travel gaps
How Summit clarified CRA tax treatment, modernized disability coverage for high earners, and introduced a business travel medical policy for a manufacturer with staff travelling to 50+ countries — with an 18% premium reduction.
- Advisor
- Kandy Cantwell
- More than$15,000in annual premium savings
Manufacturing
A manufacturer found $500K of underinsurance — and still saved $15,000 a year
How Summit uncovered more than $500,000 of building underinsurance for a manufacturer, marketed the account to five manufacturing insurers, and placed a broader Property & Liability package with an A+ rated insurer while cutting premium by $15,000 annually.
- Advisor
- Kyle Chan
- More than$13,000in annual premium savings
Architecture & Engineering
An engineering firm cut premium from $46,000 to $32,285 with an accurate submission
How Summit rebuilt an engineering firm's insurance submission with contract documentation and corrected revenue figures, created leverage with an alternative insurer, and negotiated premium from $46,000 to $32,285.
- Advisor
- Eduardo Campos
- More than11%reduction in year-over-year premium
Motel, RV Park & Campground
A motel and RV park raised building and profit limits while cutting premium 11%
How Summit documented a combined motel and RV park's risk management, increased building limits to true replacement value, secured business interruption cover for profits, and reduced premium by 11%.
- Advisor
- Eduardo Campos
- More than$5,000saved while increasing insured value by 40%
Pub & Restaurant
A Vancouver Island pub increased insured value 40% and still saved $5,000
How Summit audited an underinsured Vancouver Island pub 60 days before renewal, increased Total Insured Value by 40%, created competition among top hospitality insurers, and reduced premium by $5,000.
- Region
- Vancouver Island, British Columbia
- Advisor
- Kyle Chan