A multi-province wireless dealer cut premium 30% while a fire/smoke claim ran in parallel

The challenge

A Canadian wireless dealer with a multi-location retail footprint across Manitoba, Saskatchewan, and Alberta asked Summit to stabilize a commercial package program that was becoming difficult to administer and increasingly hard to explain to underwriters.

The core challenge was not just rate versus premium — it was rating accuracy in a category where reported "revenue" can be distorted by device subsidies, carrier reimbursement mechanics, and commission versus pass-through amounts, combined with a retail model that creates frequent location changes and seasonal inventory swings.

Summit's mandate: build a clean underwriting story, correct the rating inputs, coordinate a complex fire/smoke and business interruption claim while keeping the renewal on track, deliver fast policy service without losing control of terms, and negotiate a renewal outcome that reduced overall premium.

What Summit did

Summit rebuilt the underwriting file from first principles, mapping exposures, location schedules, and revenue mechanics across all three provinces.

• Created a structured explanation separating retained commission income from subsidy pass-throughs so the account was priced on the correct basis.

• Documented seasonal inventory peaks alongside storage and security controls.

• Acted as the coordination layer on the claim — clarifying property damage versus smoke remediation versus time-element impact across adjusters, restoration, the landlord, and operations.

• Ran a tight mid-term adjustment (MTA) workflow for clean effective-date handling.

• Presented the renewal as decision-ready options backed by a consistent, credible submission.

The results

• Moved the account from ~$88,000 down to ~$62,000 at renewal — roughly a 30% reduction — while improving the quality of the submission and the terms behind it.

• The underwriting conversation shifted once the rating inputs reflected how the business actually earns revenue.

• MTAs and location changes that used to drag on for weeks are now processed cleanly.

• Seasonal inventory went from a gap in the file to a documented, defensible position.

• The fire/smoke claim was handled without derailing the renewal timeline — the part that could have gone sideways fastest.

Summit understands how telecom retail is rated and can translate subsidy and commission mechanics into a clean underwriting narrative. We run multi-location administration like a system, operate in parallel so claim coordination never derails a renewal, and negotiate renewals with a documented strategy so outcomes are repeatable.