Placing Accounts in Middle Market-Brokerage

Overview- What is Middle Market/Brokerage

How You'll Know an Account is Eligible

Watch a Demonstration

What Happens Next

Tips for Faster Turnaround

Additional Resources

FAQs

Related Articles

Rising costs of materials, higher property values, and expensive/higher hazard construction jobs are pushing more accounts outside of Small Business Binding Authority and into Middle Market-Brokerage underwriting— accounts reviewed by expert underwriters to find coverage for accounts that can’t be instant quoted.

Middle Market-Brokerage accounts are generally larger, more complex risks than small commercial submissions. At Pathpoint, our team and carrier partners focus on:

• Contractors with higher annual sales and payroll

  • Flexible height limitations for most contractors

  • Incidental hot roof work considered

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

  • Can consider higher sales starting at $5M

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

• Lessor’s Risk with larger TIVs and more units

  • Wide appetite up to 1,000 units for apartments, tract housing, student housing, HOAs, condos, and townhomes

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

Unlike small business quoting, Middle Market-Brokerage submissions are reviewed by specialized underwriters to review niche appetite. This means turnaround times are longer (sometimes a few weeks for very complex risks), but you’ll get broader options and higher premium potential.

Submit your accounts as you normally would at Pathpoint. When quoting, the Advisory Tool in the top-left corner will turn blue, and indicate the account is eligible for Middle Market-Brokerage underwriting.

Once you reach the Quote Details page, you will have the option to submit it for Middle Market-Brokerage review. An underwriter will reach out within a few days. If you change your mind and no longer wish to pursue Middle Market-Brokerage, you can cancel the submission.

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Risks submitted to Middle Market-Brokerage require an extensive overview, which means they are not available for instant quotes. Agents should anticipate thorough underwriting with longer turnarounds in order to receive the most competitive quotes. Here's what you can expect:

1. Acknowledgment: You’ll receive a confirmation email from underwriting once your submission is received.

2. Review: An underwriter checks for completeness. If anything is missing, they’ll reach out.

3. Underwriter Engagement: A carrier underwriter reviews the file.

4. Response Time: The typical turnaround is 2–4 business days, though some submissions can take longer depending on complexity and documentation provided.

Download our Checklist to confirm what's needed for a complete submission:

1. Submit complete applications the first time.

2. Double-check loss runs for accuracy.

3. Expiring or target premium

4. Provide an accurate SOV where required.

5. Communicate clearly in the notes field about special risk factors.

Questions about submissions? Connect with your Account Manager.

Appetite Guide

Decision Tree Guide

Middle Market-Brokerage Checklist

Contractors Middle Market-Brokerage Guide

Lessor's Risk Middle Market-Brokerage Guide

What documents are required?

• The essentials for a submission to a brokerage include a complete application in-app, loss runs (3–5 years), expiring or target premium information, a Statement of Values (SOV), and clear notes in the submission regarding any special risk factors.

How long until I hear from underwriting?

• You should receive confirmation that the submission has been received right away. Typical turnarounds are a few business days; however, larger or more complex risks can take weeks.

Can new agents submit to Middle Market-Brokerage?

• Yes, you can submit accounts that fall outside of instant quoting or Small Business Binding Authority.

Why does it say Middle Market in-app?

• Middle Market and Brokerage are interchangeable at Pathpoint. When you submit to Middle Market, your submission will be reviewed by Middle Market-Brokerage underwriters.

Who should I contact if my submission is stalled?

• If your file hasn’t moved forward or you need assistance, please contact your Account Manager directly.

What is Pathpoint's appetite for contractors?

What is Pathpoint's Appetite for lessor's risk only (LRO)?

How do I bind accounts at Pathpoint?

How to Quote Larger Accounts