Pathpoint vs QuoteSweep
Pathpoint vs QuoteSweep: Two Tools for Two Markets
Pathpoint is a digital E&S wholesaler for surplus lines risks. QuoteSweep is a multi-carrier quoting platform for the standard admitted market. Most independent agents need both — here's when to use each.
About these tools
Pathpoint is a digital E&S wholesaler and Lloyd's coverholder, providing instant bindable surplus lines quotes for commercial risks that the standard admitted market won't write. Founded in 2017 and licensed in all 50 states.
QuoteSweep uses AI web agents for standard/admitted commercial insurance quoting — submitting applications to 550+ carrier portals simultaneously with appetite intelligence to pre-qualify risks.
What Is Pathpoint?
Pathpoint and QuoteSweep operate in different insurance markets and serve complementary agent workflows. Pathpoint is a digital excess and surplus (E&S) wholesaler — agents submit risks that standard carriers have declined or won't quote, and Pathpoint returns bindable quotes from A-rated non-admitted carriers. QuoteSweep is a multi-carrier quoting platform for the standard admitted market — agents submit one application and receive quotes from their existing carrier panel simultaneously. The two tools work best together: use QuoteSweep to check appetite and quote the standard market first, then route hard-to-place risks to Pathpoint for E&S options.
Pathpoint vs QuoteSweep: Feature Comparison
| Feature | Pathpoint | QuoteSweep |
|---|---|---|
| Market | E&S / Surplus Lines (non-admitted) | Standard / Admitted carriers |
| Carrier type | Non-admitted, A-rated E&S carriers (Lloyd's coverholder) | Admitted carriers — nationals, regionals, specialty |
| Carrier count | Multiple E&S carriers per line of business | 550+ standard carriers with appetite data |
| Lines covered | Contractors, Vacants, LRO, Restaurants, Cyber, Manufacturing | BOP, GL, WC + expanding lines of business |
| Carrier appointment required | No — Pathpoint acts as the licensed wholesaler | Yes — agent needs existing carrier appointments |
| Bindable quotes | Yes — instant bindable E&S quotes | Quoting only — binding via carrier portal |
| Pricing for agent | Free (commission-based, Pathpoint earns wholesale commission) | Free trial (3 quotes), then $249/mo |
| Appetite intelligence | Limited to Pathpoint's E&S carrier partners | 550+ carriers with products, exclusions, state data pre-built |
Why Agents Choose QuoteSweep Over Pathpoint
Standard first, E&S as fallback
Most experienced agents already follow this workflow: check the standard market first, route to E&S when standard carriers decline. QuoteSweep makes the standard market check fast (one application, 550+ carriers simultaneously). Pathpoint makes the E&S fallback instant (bindable quotes without a wholesale broker relationship to establish). Together, they cover the full market.
Appetite intelligence routes the risk
Before spending time on submissions, QuoteSweep's free appetite checker shows which standard carriers have appetite for a given risk. If the appetite picture is weak — few carriers interested, lots of exclusions — that's a signal the risk may belong in the E&S market. Check appetite first, then decide which tool to use.
No appointments needed for E&S
To use QuoteSweep, you need existing carrier appointments — the tool automates portals you're already using. Pathpoint requires no carrier appointments; they're the licensed surplus lines wholesaler. For agents who are thinly appointed or entering a new market, Pathpoint is immediately accessible without the relationship-building that standard carrier appointments require.
Full market coverage together
No single tool covers the entire commercial insurance market. Standard carriers write the majority of risks; E&S carriers fill the gaps. QuoteSweep + Pathpoint together give independent agents a complete quoting infrastructure — admitted and non-admitted, standard and specialty, small commercial and hard-to-place.
Switching from Pathpoint? Here's How.
No disruption to your current workflow. Most agents are live in under 24 hours.
Check appetite on QuoteSweep (free)
Before quoting any commercial risk, run the free QuoteSweep appetite checker. It shows which standard carriers have appetite by class code, state, and revenue — and flags classes where appetite is thin.
If strong standard appetite — quote via QuoteSweep
When multiple standard carriers show appetite, submit via QuoteSweep. One application goes to your full carrier panel simultaneously. Compare quotes side by side and present the best standard market options.
If thin or no standard appetite — submit to Pathpoint
When standard carriers decline or appetite is limited, route the risk to Pathpoint. Submit the account details and receive bindable E&S quotes from A-rated surplus lines carriers — no wholesale broker relationship needed.
Compare standard vs E&S and present options
When both markets respond, present the client with both options — standard admitted pricing vs E&S alternatives. Clients get the full picture; you've covered the market without wasted submissions.
Frequently Asked Questions
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