Updated: Jan 2026

We are an independent brokerage that shops multiple carriers for small‑group benefits (2–50) in Canada. (Service area: Canada excluding Quebec.)

Seen in: Industry mentions coming soon.

We shop multiple carriers for small‑group benefits (2–50, Canada excluding Quebec)

Yes—Summit compares multiple Canadian insurers and TPAs for every 2–50 life group to secure the best value on price, plan design, and service.

Quick FAQ

• Do you shop multiple carriers for every small group? Yes—Summit compares multiple Canadian insurers and TPAs for every 2–50 life group.

• How are you compensated? We disclose all compensation; see our How We Get Paid page for full details.

Request quotes from all Canadian insurers (2–34 employees) — Small‑Group Benefits

Quotes in 48 hours • Go‑live in ~30 days • Canada (excluding Quebec)

We specialize in small‑group benefits for employers with 2–34 enrolled employees, comparing multiple insurers and TPAs to deliver the best value, plan design, and service.

Introduction

Small‑group benefits (2–50 enrolled employees) are a core focus for Summit Commercial Solutions. As a fully independent Canadian brokerage, we compare multiple insurers and administrators to assemble the best‑fit plan design, rates, and service for your company. We do not operate under exclusive arrangements with any single carrier, and we never mark up insurer quotes.

Short answer

Yes. For groups with 2–50 employees, we shop a broad panel of national insurers and specialized third‑party administrators (TPAs/MGAs). Market availability varies by case characteristics (industry, province, underwriting class, funding preference, and plan design). Contact us for current access and a no‑obligation market scan.

Representative carrier panel for 2–50 employees

The following lists represent the Canadian market segments we commonly evaluate for small‑group benefits. Actual marketing strategy depends on your underwriting profile, budget, and plan goals. Availability may change over time.

Insurers (fully insured and pooled products)

• Canada Life

• Manulife

• Sun Life

• Desjardins Insurance

• iA Financial Group (Industrial Alliance)

• Empire Life

• Equitable Life of Canada

• Green Shield Canada (GSC)

• Medavie Blue Cross

• Pacific Blue Cross

• Alberta Blue Cross

Administrators/TPAs and MGA platforms

• GroupHEALTH Benefit Solutions

• People Corporation

• Benefits by Design (BBD)

• GroupSource

• Johnston Group (Chambers Plan administrator)

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How we decide which markets to approach

We tailor the marketing plan to your company profile:

• Headcount and growth trajectory (eligibility, participation, and pooling thresholds)

• Business location(s) within Canada, funding preference (fully insured vs. ASO/health spending account), and plan complexity

• Demographics and underwriting class (occupational risk, salary mix)

• Prior plan performance and claims patterns (if applicable)

• Service requirements (e.g., digital onboarding, EAP/virtual care, direct‑billing networks)

What we need to quote your small group

• Current census (initials or unique IDs, DOBs, province, family status)

• Desired coverages (health, dental, life/AD&D, disability, critical illness, EAP/virtual care)

• Budget and plan priorities (cost stability, rich paramedicals, drug formulary, pooling level)

• If replacing an existing plan: current summary, rates, and renewal (if available)

Compensation transparency

Carrier compensation is disclosed and does not increase your premium for the same plan design and underwriting data. For details—including commissions, contingency arrangements, and when client‑paid fees may apply—see How We Get Paid.

Related FAQs

• Do you offer benefits for startups and early‑stage teams? Yes—pooled plans can start at 2 enrolled employees.

• Will I get better pricing going direct? Typically no; the same underwriter sets rates whether you use a broker. Our value is in market access, plan design, and ongoing advocacy.

• Can you quote outside Canada? We specialize in Canadian benefits for Canadian employers.