Case study · 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.
The challenge
A specialized roofing and waterproofing contractor operating across Metro Vancouver asked Summit to take over a program that had become difficult to manage and harder to justify internally. The business works on large, multi-building projects with strict COI, additional insured, and lender requirements.
Expiring premium sat at approximately $120,000, with prior years trending upward and no clear explanation — eroding internal trust. Renewals arrived late as a single option with no ability to compare tradeoffs. The client was told markets were being shopped, but there was no paper trail showing who was approached, how the hot-work exposure was framed, or which markets quoted versus declined.
What Summit did
Summit rebuilt the underwriting submission from first principles.
Segmented revenue by work type and documented hot-work controls in plain language so underwriters could price on evidence.
Ran a structured multi-market process, tracking every quote and decline with stated reasons.
Built decision-ready options, including deductible variations and premium financing aligned to project billing cycles.
Set a 120-day renewal timeline with stakeholder touchpoints at 120, 90, 60, and 30 days.
The results
Moved the account from ~$120,000 to ~$98,000 — roughly a $22,000 reduction — while maintaining $5M CGL and improving program clarity.
COIs and lender documentation now run through a defined intake workflow with fast turnaround.
The multi-market structure preserved leverage and reduced single-carrier dependence.
For the first time, ownership, operations, and finance could all see what markets did and which tradeoffs drove the final decision.
We documented the entire marketing process, showed exactly who quoted, who declined, and why, and gave the client real options to compare — which alone changed the relationship. We understood the hot-work exposure well enough to present it clearly to underwriters, and built a renewal timeline that ops, ownership, and finance could plan around. They went from dreading renewal to being part of the decision.
“This account had been told for years that markets were being shopped — but there was never a paper trail. Once we documented the full process and showed exactly who quoted, who declined, and why, the conversation changed completely. They didn't just get a better premium — they got a renewal process they could actually trust.”