Pathpoint

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.

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

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

• Insurance wholesale brokerage
• Excess surplus lines
• Commercial insurance distribution
• Digital insurance platform
• Bindable quote platform

Headquarters

HQ city

Washington

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core 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

Named customers6 records

Segments7 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

22 partnerships are on record, tiered core.

• WestchestercoreChannel Partner/ Reseller/ DistributorWestchester 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.
• MarkelcoreChannel Partner/ Reseller/ DistributorMarkel offers E&S coverage through Pathpoint for contractors, manufacturing, and various commercial classes with products liability included.
• Crum & ForstercoreChannel Partner/ Reseller/ DistributorCrum & Forster provides E&S insurance capacity for general liability, property, and commercial package coverage through the Pathpoint platform.
• NautiluscoreChannel Partner/ Reseller/ DistributorNautilus offers excess casualty and general liability coverage for contractors and lessor's risk accounts through Pathpoint's digital platform.
• At BaycoreChannel Partner/ Reseller/ DistributorAt Bay provides cyber liability coverage for small businesses through Pathpoint's platform serving agents placing SMB cyber risks.
• HiscoxcoreChannel Partner/ Reseller/ DistributorHiscox offers cyber liability coverage for small business clients through Pathpoint's digital distribution platform.
• VavecoreChannel Partner/ Reseller/ DistributorVave provides property and monoline wind coverage capacity through Pathpoint for commercial property risks.
• NavigatorscoreChannel Partner/ Reseller/ DistributorNavigators offers general liability and property coverage through Pathpoint for restaurants, lessor's risk, and various commercial classes.
• Baleen SpecialtycoreChannel Partner/ Reseller/ DistributorBaleen Specialty provides E&S capacity for general liability, property, and restaurant coverage through Pathpoint's platform.
• Velocity RiskcoreChannel Partner/ Reseller/ DistributorVelocity Risk offers monoline wind and property coverage through Pathpoint for coastal and wind-exposed properties.
• Atrium UnderwriterscoreChannel Partner/ Reseller/ DistributorAtrium Underwriters provides property coverage capacity through Pathpoint for vacant buildings and commercial properties.
• Ategrity Specialty Insurance CompanycoreChannel Partner/ Reseller/ DistributorAtegrity Specialty provides excess casualty and property coverage through Pathpoint for contractors and LRO accounts.
• Old Republic Excess & SurpluscoreChannel Partner/ Reseller/ DistributorOld Republic provides property and general liability coverage capacity through Pathpoint for vacant buildings and various commercial classes.
• Kinsale InsurancecoreChannel Partner/ Reseller/ DistributorKinsale Insurance offers general liability and excess coverage for contractors, restaurants, and various commercial risks through Pathpoint.
• Ledgebrook InsurancecoreChannel Partner/ Reseller/ DistributorLedgebrook Insurance provides E&S capacity for contractors and lessor's risk coverage through Pathpoint's digital platform.
• Penn-AmericacoreChannel Partner/ Reseller/ DistributorPenn-America offers general liability coverage for contractors through Pathpoint's platform for small commercial accounts.
• Moxie UnderwriterscoreChannel Partner/ Reseller/ DistributorMoxie Underwriters provides property coverage capacity for commercial packages and lessor's risk through Pathpoint.
• LIO SpecialtycoreChannel Partner/ Reseller/ DistributorLIO Specialty offers excess casualty coverage for contractors and lessor's risk accounts through Pathpoint.
• District CovercoreChannel Partner/ Reseller/ DistributorDistrict Cover provides property and general liability coverage for restaurants and commercial packages through Pathpoint.
• West CongresscoreChannel Partner/ Reseller/ DistributorWest Congress offers E&S coverage capacity for contractors and commercial risks through Pathpoint's platform.
• NEC SpecialtycoreChannel Partner/ Reseller/ DistributorNEC Specialty provides general liability coverage for contractors through Pathpoint's digital distribution platform.
• Mesa Underwriters Specialty Insurance Company (MUSIC)coreChannel Partner/ Reseller/ DistributorMUSIC provides E&S insurance capacity for various commercial classes through Pathpoint's platform.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Others

• 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

• Xx.com/PathpointInc
• Facebookfacebook.com/pathpointinsurance
• LinkedInlinkedin.com/company/pathpointinsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pathpoint