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.
Quick Links
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
Frequently Asked Questions
Does Better Choice Insurance Group offer Pathpoint insurance?
Yes. Better Choice Insurance Group is an independent insurance agency that offers Pathpoint policies and compares them against 22+ carriers to find you the best coverage at the best price. Call (847) 908-5665 for a free quote.
Where can I get Pathpoint insurance through Better Choice Insurance Group?
Carrier availability depends on your state, ZIP code and the details of your home or vehicle. Request a free quote online or call (847) 908-5665, and we'll confirm whether Pathpoint can write your policy and compare it with the rest of our carrier panel.