Middle Market E&S

Middle Market

Pathpoint streamlines middle market coverage. Submit small binding risks online, and if declined, our team will work with over 12 AM Best A-rated carriers to find the right coverage.

Enjoy fast quoting with added perks—our concierge service shops declined risks to middle market carriers within four hours, saving you time and effort.

Appetite spotlight

Middle Market E&S for contractors and LRO
  • Contractors' general liability limits up to $1M/$2M

  • Packages for lessor's risk up to $1M/$2M TIV and $5M TIV per package/$10M TIV in select states

  • Can consider sales up to $10M (up to $15M for the select accounts)

  • Flexible height limitations for most contractors

  • Incidental hot roof work considered

  • Capacity for New York, including labor law (no five boroughs)

  • Wide appetite up to 1,000 units for apartments, tract housing, student housing, and Housing and Urban Development (HUD) risks

  • Construction defect states okay (some limitations on new construction for CA)

  • Older additional insured form versions can be considered for an AP if required by contract

  • Expanded new residential construction appetite nationwide including CO, AK, CA, MT, NM, SC, WA, and WY

Middle Market E&S for contractors and LRO

Markets

Baleen SpecialtyCrum & Forster SMBKinsale Insurance logoLedgebrook InsuranceLIOMoxie UnderwritersNautilus Light BrokerageVelocity Risk UnderwritersWest CongressBaleen SpecialtyCrum & Forster SMBKinsale Insurance logoLedgebrook InsuranceLIOMoxie UnderwritersNautilus Light BrokerageVelocity Risk UnderwritersWest CongressBaleen SpecialtyCrum & Forster SMBKinsale Insurance logoLedgebrook InsuranceLIOMoxie UnderwritersNautilus Light BrokerageVelocity Risk UnderwritersWest CongressBaleen SpecialtyCrum & Forster SMBKinsale Insurance logoLedgebrook InsuranceLIOMoxie UnderwritersNautilus Light BrokerageVelocity Risk UnderwritersWest Congress

Considered risks

  • Those with prior losses or lapses in coverage

  • New ventures with no prior coverage

  • Higher hazard exposures

  • New residential construction (up to 25 a year and three stories max)

  • Mobile homes

  • Nursing & assisted living facilities

  • Student housing

Frequently quoted classes

  • Subcontractors

  • Tree pruning, dusting & spraying

  • Powerwashing

  • Handyperson

  • Landscape gardening & lawn care

  • Roofing

  • Executive supervisors & superintendents

  • Remodeling

  • Carpentry

  • Painting

  • Welders

  • Apartments

  • Banks

  • Commercial buildings

  • Condominiums

  • Dwellings

  • Habitational

  • Housing and Urban Development (HUD) risks

  • Mixed-use buildings

  • Offices

  • Private and public parking

  • Premises

  • Residential buildings

  • Retail and storefronts

  • Shopping centers

  • Student housing

  • Tract housing

  • Vacation rentals

Appetite overview

Contractors and LRO Midde Market Risks

ISO Code

ISO Class Code Description

NAICS Code

ISO Code

90089

ISO Class Code Description

Advertising Sign Companies – Outdoor

NAICS Code

238990

ISO Code

90511

ISO Class Code Description

Cleaning or Washing by Pressure Apparatus

NAICS Code

238990

ISO Code

90516

ISO Class Code Description

Commercial Collection Receptacles – Construction Debris, Recyclables or Other Refuse

NAICS Code

238990

ISO Code

90670

ISO Class Code Description

Decorator – Outdoor or Indoor Displays – Commercial or Residential

NAICS Code

561790

ISO Code

91111

ISO Class Code Description

Air Conditioning Systems or Equipment – Dealers or Distributors and Installation, Servicing or Repair

NAICS Code

238220

ISO Code

91127

ISO Class Code Description

Alarms and Alarm Systems – Installation, Servicing or Repair

NAICS Code

561621

ISO Code

91150

ISO Class Code Description

Appliances and Accessories – Installation, Servicing or Repair – Commercial

NAICS Code

238990

ISO Code

91155

ISO Class Code Description

Appliances and Accessories – Installation, Servicing or Repair – Household

NAICS Code

238990

ISO Code

91235

ISO Class Code Description

Boat Repair and Servicing

NAICS Code

238990

ISO Code

91300

ISO Class Code Description

Remodeling Contractor

NAICS Code

236118

ISO Code

91340

ISO Class Code Description

Carpentry – Construction of Residential Property Not Exceeding Three Stories in Height

NAICS Code

238130

ISO Code

91341

ISO Class Code Description

Carpentry – Interior

NAICS Code

238350

ISO Code

91342

ISO Class Code Description

Carpentry – NOC

NAICS Code

236220

ISO Code

91343

ISO Class Code Description

Carpentry – Shop Only

NAICS Code

238350

ISO Code

91405

ISO Class Code Description

Carpet, Rug, Furniture or Upholstery Cleaning – On Customers' Premises

NAICS Code

561740

ISO Code

91436

ISO Class Code Description

Ceiling or Wall Installation – Metal

NAICS Code

238390

ISO Code

91481

ISO Class Code Description

Chimney Cleaning

NAICS Code

561790

ISO Code

91507

ISO Class Code Description

Clay or Shale Digging

NAICS Code

238990

ISO Code

91523

ISO Class Code Description

Cleaning – Outside Surfaces of Buildings and Other Exterior Surfaces

NAICS Code

238390

ISO Code

91551

ISO Class Code Description

Communication Equipment Installation – Industrial or Commercial

NAICS Code

238990

ISO Code

91560

ISO Class Code Description

Concrete Construction

NAICS Code

238110

ISO Code

91580

ISO Class Code Description

Contractors – Executive Supervisors or Executive Superintendents

NAICS Code

238130

ISO Code

91581

ISO Class Code Description

Contractors – Subcontracted Work – In Connection with Construction, Reconstruction, Erection or Repair – Not Buildings – NOC

NAICS Code

238130

ISO Code

91583

ISO Class Code Description

Contractors – Subcontracted Work – In Connection with Building Construction, Reconstruction, Repair or Erection – One- or Two-Family Dwellings

NAICS Code

238130

ISO Code

91585

ISO Class Code Description

Contractors – Subcontracted Work – In Connection with Construction, Reconstruction, Repair or Erection of Buildings – NOC

NAICS Code

238130

ISO Code

91590

ISO Class Code Description

Contractors Permanent Yards – Maintenance or Storage of Equipment or Material

NAICS Code

238990

ISO Code

91591

ISO Class Code Description

Contractors – Subcontracted Work – Other Than Construction-Related Work

NAICS Code

238990

ISO Code

91629

ISO Class Code Description

Debris Removal – Construction Site

NAICS Code

238910

ISO Code

91746

ISO Class Code Description

Door, Window or Assembled Millwork – Installation, Service or Repair – Metal

NAICS Code

238350

ISO Code

92215

ISO Class Code Description

Driveway, Parking Area or Sidewalk – Paving or Repaving

NAICS Code

238990

ISO Code

92338

ISO Class Code Description

Dry Wall or Wallboard Installation

NAICS Code

238310

ISO Code

92451

ISO Class Code Description

Electrical Apparatus – Installation, Servicing or Repair – NOC

NAICS Code

238210

ISO Code

92478

ISO Class Code Description

Electrical Work – Within Buildings

NAICS Code

238210

ISO Code

94007

ISO Class Code Description

Excavation

NAICS Code

238910

ISO Code

94276

ISO Class Code Description

Fence Erection Contractors

NAICS Code

238990

ISO Code

94304

ISO Class Code Description

Fire Extinguishers – Servicing, Refilling or Testing

NAICS Code

561790

ISO Code

94449

ISO Class Code Description

Remodeling Contractors

NAICS Code

236118

ISO Code

94569

ISO Class Code Description

Floor Covering Installation – Not Ceramic Tile or Stone

NAICS Code

238330

ISO Code

95124

ISO Class Code Description

Furniture or Fixtures – Installation in Offices or Stores – Portable – Metal or Wood

NAICS Code

561790

ISO Code

95410

ISO Class Code Description

Grading of Land

NAICS Code

238910

ISO Code

95487

ISO Class Code Description

Greenhouse Erection

NAICS Code

238990

ISO Code

95505

ISO Class Code Description

Guniting or Shot-Crete

NAICS Code

238990

ISO Code

99984

ISO Class Code Description

Gutter Installation

NAICS Code

238190

ISO Code

95625

ISO Class Code Description

Handyperson

NAICS Code

238990

ISO Code

95647

ISO Class Code Description

Heating or Combined Heating and Air Conditioning Systems or Equipment – Dealers or Distributors and Installation, Servicing or Repair – No Liquefied Petroleum Gas (LPG) Equipment Sales or Work

NAICS Code

238220

ISO Code

95648

ISO Class Code Description

Heating or Combined Heating and Air Conditioning Systems or Equipment – Dealers or Distributors and Installation, Servicing or Repair – NOC

NAICS Code

238220

ISO Code

96053

ISO Class Code Description

House Furnishings Installation

NAICS Code

House Furnishings Installation

ISO Code

96408

ISO Class Code Description

Insulation Work – Plastic

NAICS Code

238190

ISO Code

96409

ISO Class Code Description

Insulation Work – Organic or Plastic in Solid State

NAICS Code

238190

ISO Code

96410

ISO Class Code Description

Insulation Work – Mineral

NAICS Code

238190

ISO Code

96611

ISO Class Code Description

Interior Decorators

NAICS Code

561790

ISO Code

96816

ISO Class Code Description

Janitorial Services

NAICS Code

561720

ISO Code

97047

ISO Class Code Description

Landscape Gardening

NAICS Code

561730

ISO Code

97050

ISO Class Code Description

Lawn Care Services

NAICS Code

561730

ISO Code

14913

ISO Class Code Description

Locksmith

NAICS Code

561622

ISO Code

97223

ISO Class Code Description

Machinery or Equipment – Installation, Servicing or Repair – NOC

NAICS Code

811310

ISO Code

97447

ISO Class Code Description

Masonry

NAICS Code

238140

ISO Code

97650

ISO Class Code Description

Metal Erection – Decorative or Artistic

NAICS Code

238190

ISO Code

97652

ISO Class Code Description

Metal Erection – In the Construction of Dwellings Not Exceeding Two Stories in Height

NAICS Code

238190

ISO Code

97653

ISO Class Code Description

Metal Erection – Nonstructural

NAICS Code

238190

ISO Code

98111

ISO Class Code Description

Office Machines or Appliances – Installation, Inspection, Adjustment or Repair

NAICS Code

238390

ISO Code

98303

ISO Class Code Description

Painting – Exterior – Buildings or Structures – Exceeding Three Stories in Height

NAICS Code

238320

ISO Code

98304

ISO Class Code Description

Painting – Exterior – Buildings or Structures – Three Stories or Less in Height – NOC

NAICS Code

238320

ISO Code

98305

ISO Class Code Description

Painting – Interior – Buildings or Structures

NAICS Code

238320

ISO Code

98308

ISO Class Code Description

Painting – Shop Only

NAICS Code

238320

ISO Code

98344

ISO Class Code Description

Paperhanging

NAICS Code

238320

ISO Code

43470

ISO Class Code Description

Pest Control Services

NAICS Code

561710

ISO Code

98449

ISO Class Code Description

Plastering or Stucco Work

NAICS Code

238990

ISO Code

98482

ISO Class Code Description

Plumbing – Commercial and Industrial

NAICS Code

238220

ISO Code

98483

ISO Class Code Description

Plumbing – Residential or Domestic

NAICS Code

238220

ISO Code

98502

ISO Class Code Description

Prefabricated Building Erection

NAICS Code

238990

ISO Code

98522

ISO Class Code Description

Pressure Washing (Power Washing)

NAICS Code

238990

ISO Code

98636

ISO Class Code Description

Refrigeration Systems or Equipment – Dealers and Distributors and Installation, Servicing or Repair – Commercial

NAICS Code

238990

ISO Code

98640

ISO Class Code Description

Renovating – Outside Surfaces of Buildings

NAICS Code

238190

ISO Code

98677

ISO Class Code Description

Roofing – Commercial or Residential over Three Stories

NAICS Code

238160

ISO Code

98678

ISO Class Code Description

Roofing – Residential – Three Stories and Under

NAICS Code

238160

ISO Code

98698

ISO Class Code Description

Salvage Operations – NOC

NAICS Code

238990

ISO Code

98699

ISO Class Code Description

Salvage Operations – Removing, Sorting, Reconditioning and Distributing of Merchandise in Damaged Buildings and Incidental Operations Away from Such Buildings

NAICS Code

238990

ISO Code

98705

ISO Class Code Description

Sandblasting

NAICS Code

238990

ISO Code

98710

ISO Class Code Description

Sand or Gravel Digging

NAICS Code

238990

ISO Code

98805

ISO Class Code Description

Septic Tank Systems – Cleaning

NAICS Code

562991

ISO Code

98806

ISO Class Code Description

Septic Tank Systems – Installation, Servicing or Repair

NAICS Code

562991

ISO Code

98813

ISO Class Code Description

Sewer Cleaning

NAICS Code

562998

ISO Code

98884

ISO Class Code Description

Sheet Metal Work – Outside

NAICS Code

238190

ISO Code

98967

ISO Class Code Description

Siding Installation

NAICS Code

238170

ISO Code

98993

ISO Class Code Description

Sign Erection, Installation or Repair

NAICS Code

238990

ISO Code

99003

ISO Class Code Description

Sign Painting or Lettering – Inside of Buildings

NAICS Code

238990

ISO Code

99004

ISO Class Code Description

Sign Painting or Lettering – On Buildings or Structures

NAICS Code

238990

ISO Code

99080

ISO Class Code Description

Solar Energy Contractors

NAICS Code

238990

ISO Code

99321

ISO Class Code Description

Street or Road Paving or Repaving, Surfacing or Resurfacing or Scraping

NAICS Code

238990

ISO Code

99505

ISO Class Code Description

Swimming Pool Servicing

NAICS Code

561790

ISO Code

99506

ISO Class Code Description

Swimming Pools – Installation, Servicing or Repair – Above Ground

NAICS Code

238990

ISO Code

99507

ISO Class Code Description

Swimming Pools – Installation, Servicing or Repair – Below Ground

NAICS Code

238990

ISO Code

99650

ISO Class Code Description

Television or Radio Receiving Set Installation or Repair

NAICS Code

561790

ISO Code

99709

ISO Class Code Description

Tent or Canvas Goods – Erection, Removal or Repair – Away from Shop

NAICS Code

561790

ISO Code

99746

ISO Class Code Description

Tile, Stone, Marble, Mosaic or Terrazzo Work – Interior Construction

NAICS Code

238340

ISO Code

99777

ISO Class Code Description

Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating

NAICS Code

561730

ISO Code

99826

ISO Class Code Description

Upholstering

NAICS Code

561790

ISO Code

99827

ISO Class Code Description

Upholstering – Shop Only

NAICS Code

561790

ISO Code

99948

ISO Class Code Description

Water Softening Equipment – Installation, Servicing or Repair

NAICS Code

561790

ISO Code

99952

ISO Class Code Description

Waterproofing – By Pressure Apparatus

NAICS Code

238390

ISO Code

99953

ISO Class Code Description

Waterproofing – By Trowel – Exterior

NAICS Code

238390

ISO Code

99954

ISO Class Code Description

Waterproofing – By Trowel – Interior or Insulation Work

NAICS Code

238390

ISO Code

99955

ISO Class Code Description

Waterproofing – NOC

NAICS Code

238390

ISO Code

99969

ISO Class Code Description

Welding or Cutting

NAICS Code

238190

ISO Code

99975

ISO Class Code Description

Window Cleaning

NAICS Code

561720

ISO Code

49840

ISO Class Code Description

Window Decorating

NAICS Code

238390

ISO Code

99986

ISO Class Code Description

Wrecking – Buildings or Structures – NOC

NAICS Code

238910

ISO Code

99987

ISO Class Code Description

Wrecking – Dismantling of Prefabricated Dwellings Not Exceeding Three Stories for Reerection

NAICS Code

238910

ISO Code

91250

ISO Class Code Description

Boiler Inspection, Installation, Cleaning or Repair

NAICS Code

238220

ISO Code

91302

ISO Class Code Description

Cable Installation in Conduits or Subways

NAICS Code

238210

ISO Code

91577

ISO Class Code Description

Conduit Construction for Cables or Wires

NAICS Code

237130

ISO Code

96702

ISO Class Code Description

Irrigation or Drainage System Construction

NAICS Code

237110

ISO Code

99165

ISO Class Code Description

Steam Pipe or Boiler Insulation

NAICS Code

238220

ISO Code

46603

ISO Class Code Description

Parking - Public - Not Open Air

NAICS Code

812930

ISO Code

46604

ISO Class Code Description

Parking- Public - Open Air

NAICS Code

812930

ISO Code

46606

ISO Class Code Description

Parking - Public - Shopping Centers - Maintained by Lessee (Lessor's Risk Only)

NAICS Code

812930

ISO Code

46607

ISO Class Code Description

Parking - Public - Shopping Center - Maintained by the Insured (Lessor's Risk Only)

NAICS Code

81293

ISO Code

46622

ISO Class Code Description

Parking – Private

NAICS Code

812930

ISO Code

60010

ISO Class Code Description

Apartments

NAICS Code

531110

ISO Code

60011

ISO Class Code Description

Apartments - Garden

NAICS Code

531110

ISO Code

61212

ISO Class Code Description

Buildings or Premises – Bank or Office – Mercantile or Manufacturing (Lessor's Risk Only) – Other Than Not-For-Profit

NAICS Code

531120

ISO Code

61216

ISO Class Code Description

Buildings or Premises – Bank or Office – Mercantile or Manufacturing (Lessor's Risk Only) – Not-For-Profit Only

NAICS Code

531120

ISO Code

61217

ISO Class Code Description

Buildings or Premises – Bank or Office – Mercantile or Manufacturing (Lessor's Risk Only) – Maintained by the Insured – Other Than Not-For-Profit

NAICS Code

531120

ISO Code

61218

ISO Class Code Description

Buildings or Premises – Bank or Office – Mercantile or Manufacturing (Lessor's Risk Only) – Maintained by the Insured – Not-For-Profit Only

NAICS Code

531120

ISO Code

63010

ISO Class Code Description

Dwellings – One-Family (Lessor's Risk Only)

NAICS Code

531110

ISO Code

63011

ISO Class Code Description

Dwellings – Two-Family (Lessor's Risk Only)

NAICS Code

531110

ISO Code

63012

ISO Class Code Description

Dwellings – Three-Family (Lessor's Risk Only)

NAICS Code

531110

ISO Code

63013

ISO Class Code Description

Dwellings – Four-Family (Lessor's Risk Only)

NAICS Code

531110

ISO Code

67634

ISO Class Code Description

Shopping Centers – Indoor Malls – Buildings or Premises Not Occupied by the Insured (Lessor's Risk Only)

NAICS Code

531120

ISO Code

67635

ISO Class Code Description

Shopping Centers – Buildings or Premises Not Occupied by the Insured (Lessor's Risk Only)

NAICS Code

531120

ISO Code

68702

ISO Class Code Description

Warehouses – Occupied by Multiple Interests (Lessor's Risk Only)

NAICS Code

531120

ISO Code

68703

ISO Class Code Description

Warehouses – Occupied by Single Interest (Lessor's Risk Only)

NAICS Code

531120

ISO Code

90822

ISO Class Code Description

Vacation Rentals

NAICS Code

531190

Contractors and LRO Midde Market Risks