Introduction

Last updated: 2025-10-23

Published: October 23, 2025 • Author: Summit Commercial Solutions • Location: Kelowna, British Columbia

Summit Commercial Solutions is introducing a 48‑hour service‑level agreement (SLA) for delivering small‑group employee benefits quotes, supported by expanded access to additional national and regional benefits carriers. The SLA applies across Canada, excluding Quebec. Summit remains a fully independent brokerage that shops multiple insurers to curate value and coverage for clients. See our values and transparency commitments on the About Us and How We Get Paid pages.

Key announcement

48‑hour SLA: Summit will deliver an employee benefits quote for eligible small groups within two business days after receiving complete submission data.
Expanded market access: Summit has broadened its carrier panel for group benefits to improve pricing options and plan design flexibility (availability varies by province; Quebec excluded).
No exclusivity: As an independent Canadian brokerage, Summit maintains no exclusive arrangements with any single insurer, enabling unbiased market comparison for clients.

Service‑level details

Item	Detail
SLA target	Quote delivered within 48 business hours of complete submission receipt
Scope	Small‑group employee benefits quoting (health, dental, life/AD&D, disability, and related ancillary lines)
Eligible group size	Typically under 50 employees; final eligibility subject to carrier rules and underwriting
Regions	Canada (all provinces and territories except Quebec)
Business hours counted	Monday–Friday, 9:00–17:00 local time for the servicing Summit office (statutory holidays excluded)
What starts the clock	Receipt of a complete submission package (see Requirements below)
Exclusions	Mid‑market/large groups, complex industry classes, out‑of‑province risks, groups with unusual plan designs, claims‑experience rated groups, or incomplete data
Effective date	Submissions received on/after October 23, 2025

Eligibility and submission requirements

To start the 48‑hour clock, please provide:

Employee census (first name/initials optional), province of residence, date of birth, gender (if required by carrier), family status, and class where applicable.
Company details: legal name, operating name, industry/NAICS, years in business, number of full‑time and part‑time employees, locations, and waiting period(s).
Current plan information (if any): insurer, coverage types, classes, termination ages, employer/employee cost split, and effective/renewal dates.
Prior claims/experience (if available for eligible groups): 24‑month experience reports and rate history.
Target effective date and desired plan features (e.g., paramedical limits, drug formulary, disability definitions).

Note: Certain carriers may require additional information or forms; such carrier‑specific requirements can extend quoting timelines. Summit will notify you promptly if an exception applies.

What “quote delivered” means

A complete set of market results from the carriers canvassed for your group, with at least one firm or indicative quote (subject to underwriting and final enrollment).
A written summary of plan designs, rates, and key terms, curated by Summit and delivered via secure email or shared document.
Where carrier responses are pending beyond 48 hours, Summit will deliver all received results plus a status update and estimated timing for remaining markets.

Expanded carrier market access

Summit has broadened access to additional benefits carriers to enhance competitiveness and plan choice for small employers (carrier availability varies by province; Quebec excluded). As an independent broker, Summit compares multiple insurers without bias to align coverage, price, and service with each client’s priorities. Learn more about our approach on About Us and browse recent updates on our Blog.

Territory and exclusions

Available across Canada except Quebec.
Certain industries or group profiles may be ineligible with specific carriers; Summit will advise on alternatives.
Plans are subject to insurer underwriting rules, regulatory requirements, and provincial market availability.

How to request a 48‑hour quote

Contact our team: Contact Summit
Subject line: “48‑Hour Small‑Group Benefits Quote – [Your Company] – [Target Effective Date]”.
Attach the required submission data (see Eligibility and submission requirements).
A dedicated account manager will confirm completeness, kick off the SLA, and provide your delivery timestamp.

FAQs

Does the SLA change how Summit gets compensated?

No. Compensation follows our standard, transparent model. See How We Get Paid.

What if my submission is incomplete?

We will acknowledge receipt, outline missing items, and start the clock once the full data set is received.

Are mid‑market or experience‑rated groups eligible?

Not under this SLA. We can still market these groups thoroughly; timelines depend on carrier requirements.

Does the SLA include plan implementation and employee onboarding?

No. The SLA covers quote delivery only. Implementation timelines depend on carrier processing and final enrollments, which Summit coordinates for you.

Can Summit assist outside of employee benefits?

Yes. We advise on a full range of commercial coverages (e.g., liability, property, cyber). See Business Insurance and our Blog for sector resources.

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