How will I know if a submission is declined?

You will receive an email notification from Pathpoint as soon as a carrier declines an account. This email will include a direct link to the specific reason for the declination.

When you click the link in the email, a pop-up window will appear, displaying the reason for the declination given by the carrier.

If you would like to resubmit, click Edit Submission. You can also download pre-filled documents to shop the account elsewhere.

What are some common errors that can lead to a declined quote?

• Below are the most common errors:

  • Class Code:
    Please verify that the correct classification code has been selected. If an incorrect class code was entered, kindly update it accordingly.

  • Occupancy Information:
    Ensure the occupancy details accurately reflect the property's actual usage. If adjustments are needed, please correct and resubmit.

  • Exposure Details:
    Please confirm that exposures are reported accurately. If any discrepancies are found, kindly revise the information.

  • NFPA Guidelines:
    Confirm compliance details with NFPA guidelines. If corrections are necessary, please amend accordingly.

What happens if I edit a quote too many times?

• Agents can modify and add to active quotes until the 30-day expiration period. However, excessive changes by an agent will trigger a flag for underwriter review. For further inquiries, please reach out to ops@pathpoint.com.

If I'm unsure if the risk is in appetite, who can I contact if I'm unsure?

• You can always view the Appetite Overview on our website or connect with your Account Manager for appetite questions.

Can I edit or resubmit after a declination?

What are your quote timelines? When do I need to resubmit?

What happens if I edit a quote?

How do I know if a quote is ready to bind?

How do I make a change on a bound policy?