Pathpoint helps insurance agents quickly find the best E&S coverage for their small commercial clients. Our robust technology platform gives you the ability to quote and bind available coverage and issue policies in one place.
Behind the technology is a responsive and enthusiastic team of people excited to simplify buying insurance for everyone. Get instant quotes for your small commercial E&S business. Download the full appetite guide.
Easily search and verify if your clientâs operations are covered with our discovery tool search bar, quickly finding the right class code for faster E&S quoting and binding.
Contractors
Obtain instant, bindable general liability quotes for your artisan, general contractors, and more. AM Best A-rated carriers provide coverage limits up to $1M/$2M, including contractors' tools and equipment, hired and non-owned auto, blanket additional insured, waiver of subrogation, and primary noncontributory terms, available in most states.
Download the Contractors Appetite Guide
Download the Contractors Appetite Guide (Colorado)
Excess Liability
Add additional limits from $1M to $5M, written over underlying general liability from A-rated carriers, including Lloydâs syndicates. Ideal for contractors and lessorâs risk, with options for new ventures and businesses with up to $5M in annual revenue.
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. Get limits up to $1M/$2M for general liability and property coverage up to $5.6M per policy, with wind deductibles as low as 1%. Increased TIV up to $10M per location/policy for hard-to-place states including AL, FL, GA, LA, MS, SC, and TX. Available for mixed-use, residential, commercial, and vacation rentals, including coastal and older habitational properties.ââ
Download the LRO Appetite Guide.
Download the LRO for Cannabis Appetite Guide.
Vacants
Get flexible coverage for your vacant commercial and residential buildings and land, with general liability up to $1M/$2M and property TIV up to $2.5M. Options include coastal wind deductibles as low as 1%, terms from 3 to 12 months, and coverage for properties built after 1850. Available in 48 states.
Download the Vacants Appetite Guide.
Restaurants
Get instant, bindable comprehensive coverage for restaurants, bars, and taverns, including general liability up to $2M/$2M and property TIV up to $5M per location. Increased TIV up to $10M per location/policy for hard-to-place states including AL, FL, GA, LA, MS, SC, and TX. Options include hired and non-owned auto, business personal property, equipment breakdown, and business interruption. Available in 48 states, including major cities, coastal areas, and vacation spots, with diverse exposures. Liquor liability is not included.
Download the Restaurants Appetite Guide.â
Cyber
Secure your small to mid-sized business with cyber liability coverage up to $3M, including digital media liability, network security, privacy, and fraud protection, starting at $545. Available for businesses with up to $25M in revenue, including contractors and restaurants, in 48 states.
Download the Cyber Liability Appetite Guide.
Monoline Property
Obtain Monoline Property coverage with up to $3.3M TIV per location and $5.6M per policy covering the lower 48 states and DC, including wind, hail, and earthquake risks, even in coastal areas. Increased TIV up to $10M per location/policy for hard-to-place states including AL, FL, GA, LA, MS, SC, and TX. Ideal for properties where standard coverage is excluded due to location or age.
Download the Monoline Property Appetite Guide.
Manufacturing
Get general liability coverage with limits up to $1M/$2M, including $2M for products/completed operations. Available for home-based businesses, online sellers, importers, and commercial retailers, with vendor options, deductibles from $500, and coverage for over 450 products. Perfect for businesses with up to $5M in revenue, including new ventures
Download the Manufacturing Appetite Guide.
Retail & Services
Mix and match general liability coverage up to $1M/$2M and property limits up to $5.6M TIV per policy for your small business. Increased TIV up to $10M per location/policy for hard-to-place states including AL, FL, GA, LA, MS, SC, and TX. Options include business personal property up to $250k, products-completed operations up to $2M, and inland marine up to $100k. Available in 48 states for new ventures, beauty salons, food trucks, retail stores, and more, with premiums starting at $500.