Pathpoint is the single platform retail agents use to quote, bind, and renew E&S business—regardless of premium size, market path, or submission complexity. Submit once and we'll automatically route your submission to either our instant quotable binding markets or refer to our expert brokerage team for competitive market options. No need to guess. Submit and we'll take care of the rest. Download our complete guide.
🎯 Simplify How You Place Excess and Surplus (E&S) Business
Simplify how you place your E&S business across our eight small business verticals.
- Select the vertical and class by entering a few keywords.
- Complete the application online with the help of in-app alerts.
- Select the markets you wish to receive a quote from. Binding markets provide instant quotes in seconds, while larger, more complex accounts are referred to our underwriting team for review. See which classes are Instant Quotable and which classes will likely be referred to Middle Market-Brokerage for referral.
🔨 Contractors
From new artisan contractors to multi-million-dollar general contractors, we provide insurance agents with instant, bindable general liability quotes for hundreds of contractor classes
- General liability up to $1M/$2M
- Excess liability up to $5M
- Find instant quotes for payrolls under $5M
- Payrolls over $5M accepted
- Contractors' tools and equipment, hired & non-owned auto, blanket additional insured, waiver of subrogation, and primary noncontributory wording available
📙 Download the Contractors Appetite Guide
📺 Watch How to Quote Contractors
⬆️ Excess Liability
Easily add excess casualty to your contractors and lessor's risk accounts in seconds or find monoline excess to add on top of your standard packages.
- Excess liability from $1M to $5M
- New ventures and businesses with up to $5M in annual revenue.
- Written over underlying general liability from A-rated carriers, including Lloyd’s syndicates
📙 Download the Excess Appetite Guide
🏢 Lessor's Risk Only
Mix and match general liability, property, and package options for your lessor's risk accounts across 48 states and DC.
- General liability up to $1M/$2M
- Excess liability up to $5M
- Wind deductibles as low as 1%
- Instant quotes for property up to $3.8M TIV per location/$5.8M TIV per policy
- Property TIV up to $5M per package /$10M in select states
- Available for mixed-use, residential, commercial, and vacation rentals, including coastal, student housing, assisted living, and older habitational properties
📙 Download the LRO Appetite Guide
📺 Watch How to Quote Lessor's Risk (LRO)
🏚️ Vacants
Get flexible coverage for your vacant properties including commercial and residential buildings and land in 48 states.
- General liability up to $1M/$2M
- Instant quotes for property up to $2.5M TIV
- Property limits up to $10M TIV
- Properties that are less than 30% occupied
- Coastal wind deductibles as low as 1%
- 3, 6, 9, to 12-month terms
📙 Download the Vacants Appetite Guide
📺 Watch How to Quote Vacant Properties
🍽️ Restaurants
Find comprehensive coverage for hospitality accounts including restaurants, food trucks, bars, and taverns across 48 states.
- General liability up to $1M/$2M
- Instant quotes for property up to $5M TIV per location/$5.8M TIV per policy
- Property up to $10M TIV
- Hired and non-owned auto, business personal property, equipment breakdown, and business interruption available
📙 Download the Restaurants Appetite Guide
📺 Watch How to Quote Restaurants
📺 Watch How to Quote Food Trucks
🏔️ Monoline Property
Secure monoline property coverage excluded from admitted markets across the lower 48 states and DC.
- Instant quotes for property up to $3.8M TIV per location/$5.8M TIV per policy
- Property TIV up $30M
- Wind, hail, earthquake available
- Monoline wind coverage offered
- Coastal properties and older buildings accepted
📙 Download the Monoline Property Appetite Guide
📺 Watch How to Quote Monoline Property
📺 Watch How to Quote Monoline Wind
📦Manufacturing, Home-Based Businesses & Sellers
Secure general liability and products liability for small manufacturers, home-based businesses, online sellers, importers, and commercial retailers across all 50 states and the five boroughs.
- General liability up to $1M/$2M
- $2M products/completed operations
- New ventures to revenues exceeding $5M
- Instant quotes for annual revenues up to $5M
- 475+ product classes
- Additional insured – vendors available
📙 Download the Manufacturing Appetite Guide
📺 Watch How to Quote Manufacturers
🏪 Retail & Services
Mix and match coverage for retail stores, beauty salons, food trucks, and more for small businesses and new ventures across 48 states.
- General liability up to $1M/$2M
- $2M products/completed operations
- Instant quotes for property up to $3.8M TIV per location/$5.8M TIV per policy
- Property up to $10M TIV
- Business personal property up to $250k
📙 Download the Retail & Services Guide.
📺 Watch How to Quote Beauty, Barber & Nail Salons
📺 Watch How to Quote Food Trucks
📺 Watch How to Quote Grocery & Convenience Stores
💻 Cyber
Secure your small to mid-sized business with cyber liability coverage for hundreds of classes in 48 states.
- Limits up to $3M
- Available for businesses up to $25M in revenue
- Includes media liability, network security, privacy, and fraud
📙 Download the Cyber Liability Appetite Guide
📺 Watch How to Quote Cyber Liability
❓ Still Not Sure Where It Fits?
Don’t worry. You don’t need to choose between small binding or brokerage. Just submit your risk, and we’ll route it to the right placement path. Try simple, easy, faster E&S today!