Pathpoint Small Commercial E&S for Independent Agents

Small commercial E&S made simple

Thousands of insurance agents use Pathpoint to quote non-admitted risks in minutes, bind coverage, and have policies issued – all in one place, with 24/7 access.

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General Liability

Quote general liability coverage for your clients fast across contractors, lessor’s risk, vacant buildings, monoline property, and restaurants.

Commercial Property

Quote property coverage for your clients fast across lessor’s risk, vacant buildings, monoline property, and restaurants.

Commercial Package

Quote general liability plus property coverage for your small commercial clients with one submission across lessor’s risk, vacant buildings, and restaurants.

Excess Casualty

Quote excess casualty coverage for your contractor clients fast. Add excess coverage to a contractor’s general liability quote, or quote standalone excess coverage for an in-force contractor’s general liability policy.

Cyber Liability

Quote cyber liability coverage for your small to mid-sized business clients fast. Just two minutes will get you multiple quotes.

Products

Contractors

From executive supervisors and subcontractors to roofers, tree trimmers and powerwashing, Pathpoint can get you bindable quotes for artisan contractors fast.

Add excess liability to quotes as you complete the submission, or complement an existing standalone policy. The Pathpoint dynamic supplemental form asks only questions relevant to your application, saving you even more time.

Appetite spotlight

Annual revenues up to $5M
Limits up to $1M/$2M
Excess Liability up to $5M
Up to $5M per-project aggregate
Blanket additional insured with waiver of subrogation and primary and non-contributory wording
Contractors Tools and Equipment limits up to $5k- $10k
Appetite in 48 states including Colorado
Up to 100% subcontracted work

Considered Risks

Those with prior losses or lapses in coverage
New ventures with no prior coverage
Higher hazard exposures

Frequently quoted classes

Subcontractors
Powerwashing
Landscape gardening & lawn care
Executive supervisors & superintendents
Carpentry

Lessor's Risk

Lessor’s Risk Only (or LRO) coverage is crucial for building owners to know their property is protected. With Pathpoint, you can get multiple quotes for General Liability or Package by completing one submission.

Even if you’re an agent that focuses mostly on personal lines, you may have clients who are investment property owners and are in need of LRO policies, so be sure to check with all of your clients for new opportunities.

Appetite spotlight

Property TIV up to $5.8M per policy, $3.8M per location
Wind-exposed coastal property, right up to the water
Built as early as 1850; buildings prior to 1900 need complete building system upgrades within last 30 years
Wind deductibles as low as 1%

Frequently quoted classes

Buildings or premises
Shopping centers
Habitational
Parking
Vacation rentals

Considered Risks

Retail and habitational tenacies
Locations with prior loss history
New ventures without prior coverage
Restaurant tenants with commercial cooking exposure
Higher hazard tenant occupancies like Bars & Taverns

Vacants

Find coverage for vacant buildings and land for your clients fast with one single submission. Coverage types available for vacant buildings include general liability and package, and general liability is also available for vacant land.

Appetite spotlight

Up to $2.5M TIV
Properties that are less than 30% occupied
No square footage limitation
No strict limitation on number of stories for fully sprinklered buildings
Buildings built as early as 1850

Considered Risks

Coastal property accepted
Property under renovation
Term length of 3, 6, 9, or 12 months

Restaurants

For your clients needing non-admitted general liability and/or property coverage for their restaurant, bar, or tavern, Pathpoint can quote both types of risks in just a few minutes.

Appetite spotlight

TIV up to $5M per location / $5.8M per policy
Risks with commercial cooking equipment, as long as they have a UL300 compliant wet ANSUL fire extinguishing system in place over all commercial cooking equipment
Risks with cooking equipment that have a semi-annual cleaning contract in place
Coverage in all states except for AK, HI, and Washington D.C.
Property up to $10M TIV per location/policy available in AL, FL, GA, LA, MS, SC, and TX

Considered Risks

Risks with BBQ pits or smokers (provided they're more than 100ft from the premises
Risks with cooking at the table (as long as patrons not cooking)
Hired non-owned auto, if the risk has no delivery, valet parking, or livery, and which are not food trucks
Fast food
New ventures (where owner has less than 3 years experience)

Frequently quoted classes

Restaurants operated by concessionaries
Restaurants with no sale of alcoholic beverages
Restaurants with BYOB
Restaurants with sale of alcoholic beverages

Monoline Property

Whether your commercial property is subject to wind, earthquakes - or both - Pathpoint has markets to meet your property coverage needs.

Appetite spotlight

Up to $5.8M TIV ($3.8M per location)
No coastal restrictions - terms automatically set based on distance to coast
Construction year as early as 1850
Earthquake available, including parts of California
(not available in OK or KS)

Coverage Features

Separate deductibles for wind, hail, or earthquake
Wind deductibles 1-5% minimum depending on location
Ability to offer special form and replacement cost for eligible buildings
Monoline Wind coverage available

Cyber for SMBs

Quote cyber liability coverage for your small to mid-sized business clients fast; Just two minutes will get you multiple quotes.

Appetite spotlight

Up to $25M revenue
Coverage for any small business in the United States except cryptocurrency, adult entertainment, and gambling
Cannabis-based businesses that do not "touch the plant" considered

Coverage Features

Up to $3M limits
Retentions as low as $1,000
Premiums as low as $545
Admitted markets available

Cyber insurance can protect your client if they have any of these exposures

Company website
Company email addresses
Company phones, computers, tablets
Accepts payment via credit card
Online advertisements
Contracts are sent via email
Info is stored in the cloud or on a server
They collect any client information including but not limited to name, email, phone number, address, payment information, date of birth, etc.

Manufacturing

From commercial and contract manufacturers to home-based businesses and importers, Pathpoint can quickly get you bindable quotes for candles, cosmetics, food & beverage, clothing, shoes, and leather/artificial leather goods manufacturers. General liability coverage includes products liability for 450 different products.

Appetite spotlight

Up to $5M revenue
Over 450 different products for beauty, skincare, makeup, fragrances, candles, shoes, leather/artificial leather goods, and more

Considered Risks

New ventures
Commercial manufacturing
Contract manufacturing
Home-based businesses
Importers

Coverage Features

Up to $1M/$2M limits
Includes products liability (up to $2M products/completed ops)
Additional insured - vendors available

Quotable Classes (click for pop-up)

Retail & Services

Obtain fast, bindable general liability and package quotes for your everyday main street businesses such as salons, service providers, and general retail stores

Appetite spotlight

General liability up to $1M/$2M
Property limits up to $3.8M TIV per location / $5.8M per policy for select classes
Property up to $10M TIV per location/policy in AL, FL, GA, LA, MS, SC, and TX
Business Personal Property up to $2M
Business Income
Inland Marine limits up to $50,000 an one item / $100,000 per schedule for food trucks
Miscellaneous Equipment and Supplies up to $1,500 per item
Spoilage and Business Income with Extra Expense Coverage available for food trucks
Food must be served from a motorized vehicle or from a cart towed by the vehicle
Must be in compliance with all federal, state, and local statutes or requirements (such as permits, licenses)
Must have liquor liability in place when serving alcohol
Auto Liability coverage must be in place with equal or greater limits for food trucks

Considered Risks

New ventures
No max on sales/revenue for beauty, barber, nail salons or food trucks
Up to 30% alcohol sales with liquor liability in place for food trucks classification
Up to $3M gross sales per location for convenience, grocery, beer, wine, and liquor stores
Up to $5M in gross sales for retail stores