SOUTHAMPTON UNDERWRITING MANAGERS INC.Specialty insurance for the risks others can’t insure.
Smart tech. Strong programs. Better risk outcomes.
We build programs that fill the gaps in the Canadian insurance market.
Southampton Underwriting Managers Inc. (SUMI) is a Managing General Agent within the Southampton Financial group. We specialize in creating and managing insurance programs for hard-to-place, underserved, and non-standard risks, supporting brokers across Canada. Backed by SHFI’s advanced digital platform, SUMI delivers fast binding, data-driven underwriting, and access to exclusive markets not available through traditional carriers.
What we doOur mission is simple, deliver better programs, better underwriting, and better outcomes, for brokers, clients, and carriers.
Who We AreGuided by Expertise, Driven by Innovation.
We are a specialty MGA dedicated to designing smart, sustainable insurance programs for complex and underserved risks—powered by data, guided by expertise, and built for real-world performance
“The technology they use gave us confidence we were being assessed fairly. It’s modern underwriting done right.”
— Specialty Risk Client
Why Sumi
Expert Underwriters Behind Every Program
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Our underwriting strength comes from the specialists behind it. SUMI’s programs are managed by seasoned underwriters who understand the nuances of hard-to-place and niche risks—allowing us to design smarter programs, make informed decisions, and deliver consistently strong results.
Lower loss ratios through telematics + real-time insights
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Telematics and real-time insights give our underwriting model an edge. By combining behavioural data with predictive analytics, we can refine risk profiles and proactively reduce claims frequency and severity. It’s a modern approach that leads to healthier, more profitable programs.
Access to top-tier insurance carriers
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Our access to Canada’s leading insurance carriers gives brokers and clients a powerful advantage. With strong market capacity behind every program, we can deliver coverage that’s both competitive and dependable—even for risks traditional markets refuse.
Captive risk transfer options through Summerhill
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Through Summerhill, our affiliated captive insurance company, SUMI is able to implement efficient risk transfer strategies that strengthen the long-term performance of our programs. This structure allows a portion of underwriting profit to be retained within the SHFI group, creating sustainable, competitively priced solutions for brokers and clients
Flexible premium financing options help clients manage their costs and secure specialty coverage without large upfront payments
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Premium financing solutions
Programs underwritten by seasoned specialists
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SUMI programs are led by experienced underwriters who bring deep expertise to complex, hard-to-insure risks.
What we do
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Specialty Program Development
We design and manage niche insurance programs for risks that require specialized underwriting and cover exposures
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MGA For SHFI Brands
We provide underwriting capacity and custom solutions for SHFI-owned brokerages, helping them place complex commercial risks.
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Broker Partnerships
We work with brokers across Canada, offering access to exclusive programs, preferred markets, and competitive coverage options for difficult risks.
Coverage for hard-to-place risks.
We specialize in providing coverage for hard-to-place risks—those that fall outside the appetite of traditional insurers. Whether the exposure is unique, high-hazard, or simply underserved in the Canadian market, SUMI builds specialty programs designed to meet these challenges head-on. Our underwriting expertise, carrier partnerships, and data-driven approach allow us to deliver solutions where others cannot.
Our product lineup.
We’ve designed our product lineup to give brokers access to reliable, competitive solutions for risks that fall outside the standard market. Each program reflects deep underwriting expertise and a commitment to delivering better outcomes for your clients.
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A profitable, data-driven program for Ontario taxis powered by telematics and real-time behaviour monitoring.
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Protection tailored for contractors and trades with non-standard or hard-to-place requirements.
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Specialized coverage for residential buildings with unique or elevated exposures.
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Coverage for restaurants, bars, and hospitality businesses operating in high-risk environments.
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Coverage designed to help protect professionals and businesses against claims related to errors, omissions, negligence, or failure to deliver professional services as expected. Ideal for consultants, advisors, service providers, and businesses that provide expertise, guidance, or specialized work.
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Coverage designed to help protect businesses against third-party claims involving bodily injury, property damage, and related liability risks. Built for clients who need reliable liability protection backed by responsive underwriting and flexible program solutions.
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Coverage designed to help protect a business’s physical assets, including buildings, equipment, stock, contents, and other property essential to daily operations. Built to support businesses with property risks that may fall outside standard market appetite.
Partner with SUMI
Strengthen your reach with specialty markets and expert underwriting.
A smarter way to underwrite specialty risk.
At Sumi, technology isn’t an add-on — it’s a core part of how we build smarter, more sustainable specialty programs. Our digital ecosystem gives brokers faster decisions, fairer assessments, and underwriting built on real insight rather than guesswork.
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Our advanced underwriting platform streamlines submissions, automates key workflows, and enables binding for eligible risks. The result: faster turnaround times and a more efficient experience for brokers and clients.
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We use data science and predictive modelling to evaluate risk with greater precision. This allows us to price more accurately, select better risks, and build programs that perform consistently over time.
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For programs where behaviour matters, real-time telematics and two-way cameras deliver transparent insights into driver performance and risk exposure. These tools support fairer pricing and proactive risk management.
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By combining behavioral data, predictive analytics, automated workflows, and advanced reporting tools, we’re able to analyze program performance at a deeper level and apply those insights to smarter underwriting and portfolio management. The outcome is a more stable, profitable portfolio and better long-term results for brokers and insureds.
Risk Transfer Through Summerhill Insurance
Through our affiliate, Summerhill Insurance Company Limited, SUMI can efficiently transfer risk and retain underwriting profit on specialty programs—allowing us to build sustainable, long-term offerings for brokers and clients.