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Brokerage E&S

Middle Market-Brokerage

With Middle Market-Brokerage, agents gain access to a wide network of carriers and dedicated expert underwriters who step in when accounts don’t fit neatly into small business automation. This capability empowers agents to write larger premium accounts and serve clients with more complex needs.

Instead of hitting a dead end, our team ensures your clients always have solutions. When small business binding isn't the path, Pathpoint becomes your partner β€” delivering the expertise, carrier access, and support you need to win more business.

Appetite spotlight

Middle Market-Brokerage E&S for contractors and LRO
  • Contractors: General liability limits up to $1M/$2M

  • Contractors: Can consider contractor sales up to $10M (up to $15M for the select accounts)

  • Contractors: Flexible height limitations for most classes

  • Contractors: Incidental hot roof work considered

  • Contractors: Capacity for New York, including labor law (no five boroughs)

  • Contractors: Construction defect states okay (some limitations on new construction for CA)

  • Lessor's Risk: Packages up to $1M/$2M for GL and property $15M TIV per package

  • Lessor's Risk: Wide appetite up to 1,000 units for apartments, tract housing, student housing, and Housing and Urban Development (HUD) risks

  • Lessor's Risk: Older additional insured form versions can be considered for an AP if required by contract

  • Lessor's Risk: Expanded new residential construction appetite nationwide including CO, AK, CA, MT, NM, SC, WA, and WY

Middle Market-Brokerage E&S for contractors and LRO

Markets

Ategrity Specialty Insurance CompanyBaleen SpecialtyCrum & Forster SMBDistrict CoverKinsale Insurance logoLedgebrook InsuranceLIO SpecialtyMarkel Middle MarketMoxie UnderwritersNautilus Light BrokerageOld Republic Excess & SurplusWest CongressWestchester Middle MarketAtegrity Specialty Insurance CompanyBaleen SpecialtyCrum & Forster SMBDistrict CoverKinsale Insurance logoLedgebrook InsuranceLIO SpecialtyMarkel Middle MarketMoxie UnderwritersNautilus Light BrokerageOld Republic Excess & SurplusWest CongressWestchester Middle MarketAtegrity Specialty Insurance CompanyBaleen SpecialtyCrum & Forster SMBDistrict CoverKinsale Insurance logoLedgebrook InsuranceLIO SpecialtyMarkel Middle MarketMoxie UnderwritersNautilus Light BrokerageOld Republic Excess & SurplusWest CongressWestchester Middle MarketAtegrity Specialty Insurance CompanyBaleen SpecialtyCrum & Forster SMBDistrict CoverKinsale Insurance logoLedgebrook InsuranceLIO SpecialtyMarkel Middle MarketMoxie UnderwritersNautilus Light BrokerageOld Republic Excess & SurplusWest CongressWestchester Middle Market

Considered risks

  • Those with prior losses or lapses in coverage

  • New ventures with no prior coverage

  • Higher hazard exposures

  • New residential construction (up to 25 a year and three stories max)

  • Mobile homes

  • Nursing & assisted living facilities

  • Student housing

Top quotable classes

  • Subcontractors

  • Tree pruning, dusting & spraying

  • Powerwashing

  • Handyperson

  • Landscape gardening & lawn care

  • Roofing

  • Executive supervisors & superintendents

  • Remodeling

  • Carpentry

  • Painting

  • Welders

  • Apartments

  • Banks

  • Commercial buildings

  • Condominiums

  • Dwellings

  • Habitational

  • Housing and Urban Development (HUD) risks

  • Mixed-use buildings

  • Offices

  • Private and public parking

  • Premises

  • Residential buildings

  • Retail and storefronts

  • Shopping centers

  • Student housing

  • Tract housing

  • Vacation rentals

  • Restaurants

  • Bars & taverns

  • Event venues

  • Hotels & motels

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