Summit is a Canadian commercial brokerage and risk management firm ("Tech-enabled. Human-led."). This page explains how Summit uses AI agents inside the brokerage and what stays with licensed brokers. Client examples are anonymized.

What do AI agents do at Summit?

Summit runs 15 dedicated AI agents that handle document production, data extraction, and analysis work across commercial insurance and group benefits. The agents read source documents, extract structured data, run comparisons, and draft output from locked templates. They do the reading, extraction, math, and formatting; brokers do the knowing, deciding, and client relationships.

Do AI agents replace insurance brokers?

No. Summit's agents do not replace brokers. Coverage advice, strategy, carrier negotiation, fact verification with the client, and final review and approval are performed by licensed brokers. No document reaches a client or carrier without a licensed broker approving it.

How does the human-in-the-loop workflow work?

The standard flow is:

1. A broker requests work in plain language (for example, "prepare a renewal comparison for this account").

2. The agent pulls the relevant files from the deal record.

3. The agent performs extraction, comparison, drafting, and formatting.

4. The agent runs internal quality checks.

5. The agent posts the finished draft for broker review.

6. The broker reviews, corrects, and approves.

7. The final version is filed back to the CRM / deal record with an audit trail from request to approval.

Is AI-generated insurance documentation safe and compliant?

Summit's guardrails are:

• Agents do not invent details. When information is missing, they flag it for the broker or client to confirm.

• Regulated documents (certificates, binders, proposals, policy comparisons) are produced from locked templates.

• Every output is reviewed and approved by a licensed broker before it leaves Summit.

• Accountability stays with the licensed broker of record.

• Every request and approval is logged and filed back to the deal record.

Summit does not auto-underwrite and does not auto-bind coverage.

What kinds of tasks do the agents handle?

Agent groups in use across commercial P&C and group benefits include:

• Certificate agent — certificate of insurance production

• Document desk — endorsements and general document assembly

• Binder agent — binder preparation

• Proposal agent — client proposal drafts

• Market RFQ agent — packaging submissions to insurers

• Quote comparison agent — side-by-side comparison of returned quotes

• Summit-vs-incumbent comparison — comparing Summit's proposal to the incumbent program

• Renewal comparison agent — expiring vs. renewing terms

• Policy audit agent — checking policies against expected terms

• Technical risk agent — technical risk summaries

• Benefits RFP agent — group benefits RFPs

• Benefits market review agent — carrier market reviews for benefits

• Benefits renewal agent — renewal analyses for benefits

• Benefits experience report agent — experience reporting

• Marketing / collateral agent — client-facing collateral drafts

How much time does this save?

Summit's described operating model: the agentic flows are used daily across 25+ team members, spanning commercial P&C and group benefits, and have been rolled out iteratively since March 2026. Documents that previously took 30–90 minutes of broker time now take minutes to draft, with a full audit trail from broker request through approval to CRM filing. Broker time shifts from formatting and extraction toward advice, negotiation, and client relationships.

These operating-model figures are Summit's internal description of how the workflow runs, not independently audited benchmarks.