Insurer guide
Pathpoint Insurance Through an Independent Agency: Coverage and States
Blake Insurance Group is an independent insurance agency with access to quote Pathpoint. This page lists the Pathpoint coverage we can request for clients, the states where we can do it, and how to start.
This page is published by Blake Insurance Group, not by Pathpoint. Availability depends on the product, your location and underwriting.
Request a quote
Tell us what you need and mention Pathpoint if you want it included. A licensed agent will follow up. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00 Arizona time, or email admin@blakeinsurancegroup.com.
Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16117464.
Pathpoint coverage and states available through our agency
The table shows each Pathpoint coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.
| Coverage type | For | States we can quote |
|---|---|---|
| Wind & Hail | Personal | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| Excess Liability | Business | AZ, AL, TX, CA, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| Commercial General Liability | Business | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| Commercial Property | Business | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| Business owner’s policy (BOP) | Business | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| Vacant Commercial | Business | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| Commercial Cyber | Business | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| Middle Market Commercial Lines | Business | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.
About Pathpoint
Excess and surplus lines insurers cover businesses that do not fit standard insurers’ guidelines, such as newer ventures or higher-risk operations. These insurers are regulated differently from standard ones, and their policies are generally not backed by state guaranty funds, so it is worth checking the financial strength rating of the insurer named on your quote. Through our agency we can request the coverage types in the table above.
- What it is: A digital wholesale insurance brokerage, not an insurance company. Agencies like ours use Pathpoint to reach insurers in the excess and surplus (E&S) market.
- Founded: 2017. It began operating as a wholesale brokerage in 2020.
- Focus: Small commercial accounts that standard insurers decline or do not write.
- Coverage types: General liability, commercial property, excess liability and cyber, among others.
Company details checked November 2026. Ratings and ownership can change, so confirm current information with the company or the rating agency. Blake Insurance Group is an independent agency and is not owned by Pathpoint.
Sources
How to request a Pathpoint quote
- Send the request form on this page or call 888-387-3687.
- Tell us the coverage you need and the state where the property, vehicle or business is located.
- A licensed agent reviews whether Pathpoint is available for your situation and what information the insurer needs.
- You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.
Ways to compare your options
You can go whichever direction suits you. None of these commits you to buying.
- Ask a licensed agent. Send a request or call 888-387-3687.
- See other insurers our agency can quote for similar coverage. Adaptive, Steadily, SES Risk Solutions, Authentic, Insur-Fi, Attune, Hanover, Coterie.
Who Pathpoint is
Pathpoint Inc. is a digital excess and surplus (E&S) wholesale brokerage. It's a Delaware company. It does business as Pathpoint Insurance Services in California. In some other states it operates as Pathpoint Inc. or Pathpoint Insurance Services. Its license number is 0M19470. The issuing state isn't given, but the format matches California's.
Pathpoint's site lists its headquarters at 1025 Thomas Jefferson Street NW in Washington, DC. Its mailing address is in San Francisco.
Pathpoint describes itself as a fully digital E&S brokerage. It's licensed across the US as a surplus lines brokerage and is a Lloyd's coverholder.
Pathpoint works only with retail agents. You won't buy from it directly. Your agent sends the submission, and Pathpoint returns quotes from its E&S markets.
Pathpoint's history and backers
Pathpoint was founded in 2017 as "Outline Risk," out of the HVF Labs incubator. Its founders are Alex Bargmann, Bobby Touran and Jay Palekar. It's venture-backed, and we found no parent company.
- June 2021: $30 million Series A. Chubb and Hiscox invested.
- Likely 2023: $12.5 million from Caffeinated Capital, according to Dealroom.
Their investment doesn't mean those insurers issue every Pathpoint policy.
Which insurers Pathpoint uses
According to the First Connect carrier directory, Pathpoint gives agents access to "AM Best A-rated E&S carriers." It names examples "such as" Markel, Westchester, Nautilus and Crum & Forster. That's not a full list, and we couldn't verify one.
As a wholesaler, Pathpoint doesn't issue policies. It places your business with one of these insurers. The insurer on your declarations page is the one that carries the risk.
Pathpoint is also a Lloyd's coverholder. That means some policies may be written on Lloyd's paper rather than by a US E&S insurer. Ask your agent whether your quote is from a named insurer or from Lloyd's syndicates.
What Pathpoint places and how
According to the First Connect carrier directory, Pathpoint's classes include:
- Contractors.
- Lessor's risk.
- Short-term rentals.
- Vacant land and buildings.
- Restaurants, bars and taverns.
It also ran a houses of worship seminar for Midwest agents on July 15, 2026. Its blog describes a commercial property expansion, with wind along the water and earthquake nationwide.
Pathpoint is wholesale only. One submission returns several quotes within minutes, and there's no volume requirement for agents. First Connect lists it in all 50 states plus DC.
Pathpoint security notice, 2026
In August 2026, Pathpoint posted a security notice. It said an outside party reached an internal analytics tool through a vulnerability in third-party software. Pathpoint says it contained the incident the same day. It's contacting affected people and agencies.
If you or your agency got a notice from Pathpoint, follow its instructions. Watch for phishing emails that refer to the incident.
Our research didn't capture what data was involved. If you're unsure whether you were affected, ask your agent. You can also watch your accounts and credit for unusual activity.
What to check before you buy through Pathpoint
- The insurer. Get the name of the E&S insurer on your quote and check its rating.
- Surplus lines. Your policy will likely be non-admitted. Ask what that means in your state.
- Fees. Ask your retail agent to show broker fees and surplus lines taxes.
- Compare quotes. If you get several, compare forms and exclusions, not just limits.
- Your class. Describe your business accurately on the submission.
Sources for the sections above: Pathpoint: Company blog and site footer; Pathpoint: 2026 Metabase incident notice; PRNewswire: Pathpoint raises $30 million in Series A financing (2021); Dealroom: Pathpoint (secondary); First Connect: Demystifying E&S with Pathpoint (secondary); First Connect carrier directory: Pathpoint (secondary).
Pathpoint FAQs
Can Blake Insurance Group quote Pathpoint?
Yes. Our agency currently has access to quote Pathpoint for the coverage types and states listed on this page. Access can change, and Pathpoint decides whether to offer a policy.
Which states can you quote Pathpoint in?
Of the 24 states where we are licensed, we can currently quote Pathpoint in AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA. Availability differs by coverage type, as the table shows.
Does a quote request start coverage?
No. Coverage begins only after the insurer accepts your application and confirms it.
Can I compare Pathpoint with other insurers?
Yes. As an independent agency we can look at other insurers we have access to for the same coverage, where they are available in your state.
Important information
Independent agency. Blake Insurance Group LLC is an independent insurance agency. The coverage types and states on this page reflect our agency access as checked in November 2026 and can change. Pathpoint decides eligibility, pricing and whether to issue a policy.
Trademarks. Pathpoint and other company names are trademarks of their owners. This page is not published or endorsed by Pathpoint.
Availability. Coverage, prices, discounts and eligibility vary by insurer, state and applicant, and are subject to underwriting. The issued policy controls. A quote request does not bind or change coverage.
Your next step
Send a request and a licensed agent will check Pathpoint and other options available to you.