How does Pathpoint handle inspections?

Pathpoint's carriers require us to order inspections and address their findings with our agents for some policies. Here's what to expect when your account needs an inspection.

1. Provide a contact during the bind request process. You'll be prompted in Pathpoint to provide contact information for someone that will be on the premises while the inspection takes place. Please provide both an email and a phone number.

2. Inspection contact is contacted by an inspection company. An inspection vendor contacts the insured directly. Pathpoint works with Mueller and SCI to conduct inspections. All of our vendors are required to contact the insured at least three times within 30 days of binding the policy. If the vendor cannot reach the insured directly, they will reach out to the agent on file.

3. Inspection takes place. The inspector will perform a walk-through of the property or business, take photos, and may conduct due diligence research to identify potential environmental hazards or safety issues. Inspections cover key areas like structural integrity, roofing, electrical systems, plumbing, and HVAC for a property. For Contractors' risks, if no job site is available, the inspection will take place by phone.

4. Pathpoint follows up with the agent. You will receive an email from ops@pathpoint.com with next steps. All responses should be addressed to ops@pathpoint.com. Inspections can result in multiple outcomes:

   • All Clear — There are no recommendations or discrepancies to address. We’ll notify you that no further action is required and share a copy of the report for your records.

   • Recommendations — The inspection may recommend changes to ensure the property's or operations' safety. Common examples include servicing fire extinguishers or repairing cracks in a walkway. Insureds have 30 days to address recommendations.

   • Discrepancies — The inspection report may surface discrepancies between the inspected property and the information reported to Pathpoint on the application (for instance, the building is older than indicated). Pathpoint will ask you to review the discrepancies with the insured and provide them an opportunity to dispute them. From there, Pathpoint will endorse or cancel the policy as required by our carriers.

   • Notice of Cancellation — In some instances, inspection findings may necessitate an immediate cancellation. Examples include a building that is old enough that it is out of carrier appetite or prohibited electrical panels (including but not limited to Zinsco, Federal Pacific, knob and tube wiring, etc.). In this case, Pathpoint will initiate the cancellation process.

Complying with Recommendations

Insureds have 30 days to share photographic evidence of compliance. If we don’t receive evidence of compliance within 30 days, we will initiate the cancellation process.

Non-Productive Inspections

All of Pathpoint's inspection vendors are required to contact the insured three times and to reach out to the agent by phone and email before closing the account as non-productive. If we receive a non-productive notice, we immediately issue a 30-day NOC. Reopening the inspection process is at the discretion of Pathpoint's operations team. We will not rescind the NOC until:

• The insured pays the invoice for the vendor’s $30 non-productive fee

• The inspection has been completed

Virtual Inspections

In rare instances (typically in remote locations), Pathpoint's inspection vendors may attempt a virtual inspection where the inspector will do a video call with the insured to review the property. If the insured is unwilling or unable to complete a virtual inspection, please let us know at ops@pathpoint.com so we can make alternative arrangements.

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How does Pathpoint handle renewals?

How can I access my renewals?