Who Is Pathpoint?
Pathpoint is a technology-driven wholesale insurance brokerage founded in 2020 and headquartered in San Francisco. Rather than selling policies directly to consumers, it operates a self-service digital platform where independent retail agents can quote, bind, and issue Excess & Surplus (E&S) lines coverage for small commercial accounts. Pathpoint is licensed in all 50 states and is a coverholder at Lloyd’s of London, giving agents a single login to place surplus-lines risks nationwide. The platform connects agents to more than 25 A-rated (or better) carriers across a range of hard-to-place commercial exposures.
For Better Choice Insurance Group, Pathpoint expands the range of businesses we can protect—especially accounts that standard admitted carriers decline. Because roughly 80% of submissions are quoted instantly, we can turn around bindable E&S options for contractors, restaurants, retail operations, and similar risks in minutes rather than days. Coverage lines available through Pathpoint include general liability, property, cyber, and lessor’s risk (LRO). This lets us place complex or nonstandard commercial risks without sending our clients elsewhere.
What They’re Known For
- Excess & Surplus Lines: Specializes in E&S coverage for commercial risks that admitted carriers won’t write.
- Instant Digital Quoting: Around 80% of submissions receive an instant, bindable quote through the online platform.
- Small Commercial Focus: Covers contractors, restaurants, retail, lessor’s risk, vacant buildings, cyber, and monoline property.
- Nationwide Access: Licensed in all 50 states and a Lloyd’s of London coverholder with A-rated carrier capacity.
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Where We Write Pathpoint Insurance
Better Choice Insurance Group offers Pathpoint coverage to clients across our service areas:
- Illinois: St. Charles, Naperville, Chicago, Aurora, Schaumburg
- Texas: San Antonio, Dallas, Houston, Austin, Fort Worth
- Indiana: Indianapolis, Carmel, Fishers
- Minnesota: Minneapolis, St. Paul, Bloomington