Frequently Asked Questions

We understand the frustration independent retail agents often feel at the complexity and lack of transparency in the non-admitted insurancemarket – waiting for an email or a returned call when clients need cover and the clock is ticking.

 If this describes your experience, Pathpoint is the wholesale broker you have been waiting for. We combine world-class technology and superior service to generate quotes, bind on the spot, and provide official policy documentation, all directly through Pathpoint.

Pathpoint is licensed nationwide.

Our specialties today are small business placements for General Liability, Commercial Package, and Cyber Liability. Our team can support your agency’s placement process, and will regularly send your agents and CSRs updated appetite guides, recent wins, and well as updates on new coverages available through Pathpoint.

Check out our Products pages for more information on specific lines of business. Our appetite is always growing and changing, so make you're signed up for our Newsletter to receive updates, or check back to our website often. Reach out to marketing@pathpoint.com with any questions.

No. We are a wholesale brokerage, and therefore we work exclusively with retail agents and non-admitted carriers. We do not make our platform directly available to insureds, and we do not license white-labeled copies of our platform or software. 

Our platform is optimized for use on most tablets, and can be used for quick status updates when accessing from your smartphone.

Quotes are generated instantly upon completion of our simple online submission flow. If the risk submitted doesn’t fit our appetite, you'll know right away if there is a referral or no chance at a quote through Pathpoint. Our goal is to give you a quick response, whether it is "yes" or "no."

Agents must complete an agency agreement form before gaining access to Pathpoint. We require that agents maintain an active property and casualty license in the states in which they are transacting business, and have insurance agency E&O coverage.

Retail agents pay nothing to use Pathpoint — in fact, we pay you commission for bound business!

There are no complicated systems to integrate or set up — just access our site from your web browser and you’re ready to get started. Once we’ve executed a producer agreement with you to establish commission rates, you can submit as many risks as you need to, with no additional policy fees or hidden implementation charges for you or your agency.

Absolutely. We have platform security protocols and a team in place to protect your data. We encrypt all the data that passes through Pathpoint, and we have undergone IT testing to ensure we meet the required standards of major carrier participants. We are SOC 2 certified.

Pathpoint can ingests ACORDS which can make it even quicker to send in a submission, but they are not required to submit.

Our Operations team will walk you through the binding process—we take care of full post-bind account servicing, calculating surplus lines taxes, filing forms and affidavits (including “diligent search” efforts), keeping accounts in good standing and much more. We are here to help you drive repeat business and stay compliant.

Requirements for affidavits or diligent efforts vary by state. Pathpoint will work with our retail agents and brokers to be sure administrative requirements and filings are properly completed and filed.

Responsibility for surplus lines taxes, stamping fees, and other similar items varies by state but the responsibility to remit payment will typically fall on Pathpoint as the licensed surplus lines broker.

It depends on the type of coverage and carrier.

Binders or evidence of coverage will be provided by Pathpoint's team as soon as the carrier's pre-binding subjectivities have been completed. For some products, policy documents will be available within just a few hours after they have been checked for accuracy by Pathpoint's team while for other products (including most non-admitted policies), policies will take several days or more to be issued.

Pathpoint is an Agency Bill wholesaler today.  Insureds should pay their agents directly and the agents should submit payment to Pathpoint.  Pathpoint offers three options to make payments including ACH, Credit Card and Check.  

Note:
There is a 3% site fee for credit card transactions based on the amount of the payment. The fee amount will be displayed at the time of payment confirmation.
There is a flat fee of $2.95 for ACH payments.

Pathpoint will appear as the broker on quotes, binders, policies, certificates of insurance, etc.

Pathpoint does not engage in the claims process. Retail agents should work with their insured customers to ensure that claims must be submitted in accordance with the instructions provided within the insurance policy as and when issued.