Pathpoint
Pathpoint is a digital wholesale insurance brokerage that gives independent commercial agents single-submission access to 30-plus E&S carriers for instant, bindable quotes on small commercial risks including general liability, property, excess casualty, monoline wind, and cyber coverage across all 50 US states.
- Company typePrivate
- Founded2017
- HeadquartersSan Francisco, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Pathpoint does
Pathpoint operates a digital wholesale insurance platform that connects independent commercial agents and brokers to more than 30 top-rated Excess & Surplus (E&S) carriers for small commercial risks. The company targets agents who historically would have submitted risks one market at a time via manual broker channels; through Pathpoint, agents submit a single application and receive bindable quotes across the carrier network, with the platform reporting that 80% of submissions are instantly quoted, a 14-minute average quote time, and 25 hours of administrative work saved per quote versus legacy workflows.
The product portfolio spans six core coverage lines: General Liability, Commercial Property, Commercial Package, Excess Casualty, Monoline Wind, and Cyber Liability. The underlying technology is a web-based submission and automated underwriting engine that produces bindable quotes in real time, supported by dynamic supplemental forms, ACORD-compatible document handling, e-signing, and a payment feature called PathPay. Capacity is provided through a partnership network that includes Westchester, Markel, Crum & Forster, Nautilus, At Bay, Hiscox, Vave, Navigators, Baleen Specialty, Velocity Risk, Atrium Underwriters, Kinsale, Ledgebrook, Penn-America, MUSIC, and others.
Pathpoint monetizes via wholesale commissions paid by E&S carriers on policies placed through the platform, operating as a non-admitted surplus lines wholesaler (legal entity Pathpoint Inc., d/b/a Pathpoint Insurance Services in California; incorporated in Delaware). The company is headquartered in Washington, D.C., with a San Francisco mailing presence, holds non-admitted licenses in all 50 states with stated exceptions for AK, HI, and DC, and primarily serves SMB insurance agencies placing coverage for contractors, lessor's risk, vacant buildings, restaurants, manufacturing, retail & services, and small commercial cyber. The company has raised approximately $42.5M in venture funding across a 2021 round led by Caffeinated Capital with Chubb, Founders Fund, Hiscox, and SciFi VC, and a 2023 follow-on also led by Caffeinated Capital.
Pathpoint firmographics
Firmographics- Name
- Pathpoint
- Legal name
- Pathpoint Inc.
- Website
- https://pathpoint.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Pathpoint is a digital wholesale insurance brokerage that gives independent commercial agents single-submission access to 30-plus E&S carriers for instant, bindable quotes on small commercial risks including general liability, property, excess casualty, monoline wind, and cyber coverage across all 50 US states.
- Ownership category
- akta.pro rank
Pathpoint industry classification
Industry- Product category
- Insurance Wholesale Brokerage
- NAICS
- Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Retail (Personal Lines) Insurance Brokerage (FSAEADAA)
Keywords
Where Pathpoint is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Pathpoint business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales
Revenue model
- Wholesale Commission: Pathpoint operates as a surplus lines wholesaler earning commissions from insurance carriers on policies placed through the platform. Agents submit business through the platform and Pathpoint places it with appropriate E&S carriers, receiving a commission share from the carrier.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Quote-based pricing for all coverage types |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
Pathpoint product offering
Product offeringCore offering
Pathpoint is a digital wholesale insurance brokerage that connects independent commercial insurance agents and brokers with 30+ top-rated Excess & Surplus (E&S) carriers. Through an automated underwriting platform, agents submit a single application and receive instant bindable quotes for small commercial risks across multiple coverage lines, replacing a process that traditionally took weeks with one that delivers quotes in minutes.
Product overview
Pathpoint is a digital wholesale insurance platform offering a unified product portfolio of six core coverage types: General Liability, Commercial Property, Commercial Package, Excess Casualty, Monoline Wind, and Cyber Liability. These products serve commercial brokers and agents placing E&S (Excess & Surplus) lines for small commercial risks. The platform enables instant, bindable quotes from 30+ insurance carriers through automated underwriting, allowing agents to submit once and receive quotes from multiple markets without weeks of waiting.
Differentiator
Problem solved
Functional benefit
Products and services
- General Liability Insurance coverage providing protection against third-party bodily injury, property damage, and personal/advertising injury claims. Available for contractors, lessor's risk, vacant buildings, manufacturing, monoline property, retail and services, and restaurant verticals with limits up to $1M/$2M or $2M/$2M depending on vertical.
- Commercial Property Property insurance coverage for commercial buildings and contents. Offers coverage for lessor's risk, vacant buildings, monoline property, retail and services, and restaurants with property TIV up to $3.8M per location/$5.8M per policy, and up to $10M TIV in AL, FL, GA, LA, MS, SC, and TX.
- Commercial Package Combined general liability plus property coverage in a single policy submission. Available for vacant buildings, lessor's risk, and restaurants with instant quotable options and a mix and match quoting feature.
- Excess Casualty Excess liability insurance providing additional coverage layers above primary general liability. Designed for contractors and lessor's risk accounts with limits from $1M to $5M, covering over any carrier rated A or better including Lloyds' syndicates.
- Monoline Wind Standalone wind coverage for properties in wind-exposed areas. Available to complete packages for lessor's risk, restaurants, retail and services, and other property accounts with property TIV up to $3.8M per location.
- Cyber Liability Cyber insurance coverage for small to mid-sized businesses providing protection against data breaches, cyber attacks, and digital liability. Offers up to $3M limits, retentions as low as $1,000, premiums from $545, with coverage for businesses up to $25M revenue.
Quantifiable outcome
- 24 second live chat response time
- +2 more outcomes
Companies that use Pathpoint
Customer profileNamed customers6 records
Segments7 records
Ideal customer profiles2 records
Pathpoint technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Pathpoint partnerships and signals
Strategic signalPartnerships
22 partnerships are on record, tiered core.
- WestchestercoreWestchester provides E&S insurance capacity through Pathpoint's platform for general liability, property, and excess casualty coverage across multiple verticals including contractors and lessor's risk.
- MarkelcoreMarkel offers E&S coverage through Pathpoint for contractors, manufacturing, and various commercial classes with products liability included.
- Crum & ForstercoreCrum & Forster provides E&S insurance capacity for general liability, property, and commercial package coverage through the Pathpoint platform.
- NautiluscoreNautilus offers excess casualty and general liability coverage for contractors and lessor's risk accounts through Pathpoint's digital platform.
- At BaycoreAt Bay provides cyber liability coverage for small businesses through Pathpoint's platform serving agents placing SMB cyber risks.
- HiscoxcoreHiscox offers cyber liability coverage for small business clients through Pathpoint's digital distribution platform.
- VavecoreVave provides property and monoline wind coverage capacity through Pathpoint for commercial property risks.
- NavigatorscoreNavigators offers general liability and property coverage through Pathpoint for restaurants, lessor's risk, and various commercial classes.
- Baleen SpecialtycoreBaleen Specialty provides E&S capacity for general liability, property, and restaurant coverage through Pathpoint's platform.
- Velocity RiskcoreVelocity Risk offers monoline wind and property coverage through Pathpoint for coastal and wind-exposed properties.
- Atrium UnderwriterscoreAtrium Underwriters provides property coverage capacity through Pathpoint for vacant buildings and commercial properties.
- Ategrity Specialty Insurance CompanycoreAtegrity Specialty provides excess casualty and property coverage through Pathpoint for contractors and LRO accounts.
- Old Republic Excess & SurpluscoreOld Republic provides property and general liability coverage capacity through Pathpoint for vacant buildings and various commercial classes.
- Kinsale InsurancecoreKinsale Insurance offers general liability and excess coverage for contractors, restaurants, and various commercial risks through Pathpoint.
- Ledgebrook InsurancecoreLedgebrook Insurance provides E&S capacity for contractors and lessor's risk coverage through Pathpoint's digital platform.
- Penn-AmericacorePenn-America offers general liability coverage for contractors through Pathpoint's platform for small commercial accounts.
- Moxie UnderwriterscoreMoxie Underwriters provides property coverage capacity for commercial packages and lessor's risk through Pathpoint.
- LIO SpecialtycoreLIO Specialty offers excess casualty coverage for contractors and lessor's risk accounts through Pathpoint.
- District CovercoreDistrict Cover provides property and general liability coverage for restaurants and commercial packages through Pathpoint.
- West CongresscoreWest Congress offers E&S coverage capacity for contractors and commercial risks through Pathpoint's platform.
- NEC SpecialtycoreNEC Specialty provides general liability coverage for contractors through Pathpoint's digital distribution platform.
- Mesa Underwriters Specialty Insurance Company (MUSIC)coreMUSIC provides E&S insurance capacity for various commercial classes through Pathpoint's platform.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Pathpoint competitors and assessment
Company assessmentOthers
- EZLynx: Established comparative rating and agency management platform (now part of Vertafore) used by independent agents to quote multiple carriers simultaneously, overlapping with Pathpoint's multi-carrier submission and rating capabilities.
Direct peers
- Bold Penguin: Commercial insurance exchange that connects independent agents to multiple carrier markets for small commercial risks via a single submission — the same core distribution model Pathpoint operates for the E&S market.
- CoverWallet: Digital small business commercial insurance platform focused on streamlined placement of GL, property, and other small commercial lines — directly comparable in target customer and product mix to Pathpoint's small commercial E&S offering.
- Tarmika: Comparative rating platform that lets independent agents quote multiple personal and commercial carriers in a single workflow, directly comparable to Pathpoint's single-submission multi-market approach.
Emerging players
- Next Insurance: Digital-first carrier serving small businesses and contractors with bindable online policies in GL, workers' comp, and other commercial lines — competing for the same small commercial agent and end-customer relationships that Pathpoint serves through wholesale.
- Pie Insurance: Digital small commercial carrier specializing in workers' compensation for small businesses — adjacent to Pathpoint's E&S wholesale offering and competing for the same small commercial agent relationships.
- Thimble: On-demand small business insurance platform offering GL and other coverages to small businesses and contractors, overlapping with Pathpoint's small commercial contractor vertical.
Broad incumbents
- Vertafore: Large incumbent insurance technology provider offering agency management, comparative rating, and carrier connectivity tools that compete with parts of Pathpoint's digital wholesale stack.
- Applied Systems: Leading provider of agency management systems and digital workflows for independent insurance agents, with growing capabilities in multi-carrier connectivity that overlap with Pathpoint's distribution proposition.
Regional players
- Simply Business: UK-based digital small business insurance broker operating a similar multi-carrier online placement model for small commercial risks; comparable in product/customer focus but operates outside the US market.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Pathpoint social profiles
Digital presencePathpoint financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pathpoint leadership team
Management profileNumber of profiles
Profiles1 record
Pathpoint funding detail
Funding detailFunding overview
Funding rounds2 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pathpoint M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pathpoint
What does Pathpoint do?
Pathpoint is a digital wholesale insurance brokerage that connects independent commercial insurance agents and brokers with 30+ top-rated Excess & Surplus (E&S) carriers. Through an automated underwriting platform, agents submit a single application and receive instant bindable quotes for small commercial risks across multiple coverage lines, replacing a process that traditionally took weeks with one that delivers quotes in minutes.
Is Pathpoint a public or private company?
Pathpoint is a private company. It is classified as venture growth investor backed and is currently operating.
When was Pathpoint founded?
Pathpoint was founded in 2017. It employs 51 to 100 people.
Where is Pathpoint based?
Pathpoint is headquartered in San Francisco, United States, in the North America region.
How does Pathpoint make money?
One revenue line is on record: wholesale Commission.
Who are Pathpoint's main competitors?
EZLynx is listed as an others. Direct peers are Bold Penguin, CoverWallet and Tarmika. Emerging players are Next Insurance, Pie Insurance and Thimble. Broad incumbents are Vertafore and Applied Systems. Simply Business is listed as a regional player.
Does Pathpoint have an API?
No public API is recorded for Pathpoint.
What industry is Pathpoint in?
Pathpoint's product category is Insurance Wholesale Brokerage. Its primary akta.pro industry code is FSAEADAA, Retail (Personal Lines) Insurance Brokerage. Its NAICS code is 52421 and its SIC code is 6411.