It’s the most wonderful time of the year! Yes, we’re talking about the “Ber months.” Fall is your last big chance for success—nearly a quarter of E&S premium was written in Q4 alone last year (Insurance Journal, 2025). Pathpoint is how you win it. While everyone else is sipping pumpkin spice, the savviest agents are raking in seasonal accounts. Contractors, restaurants, retailers, and even food trucks see business (and risks) surge as the year closes. With Q4 moving fast, clients need coverage yesterday, and Pathpoint helps you quote, bind, and collect premium faster than anyone else.
Seasonal Contractors
From roofers and gutter cleaners to landscapers, cleaners, and painters, contractors are in top demand as homeowners prep for winter weather and festive gatherings. Speaking of festive, don’t overlook holiday decorators—a niche often misclassified under generic NAICS codes (we list as 90670). Whether sealing shingles or stringing lights, these contractors need coverage for tools, equipment, and completed operations—and Pathpoint makes it seamless.
Vacant Buildings
As the real estate market continues to cool, vacant beach rentals, commercial properties, and seasonal homes are experiencing increased exposure to vandalism and theft. Risks like frozen pipes or storm damage make proper coverage limits essential. Vacant buildings may look quiet, but the liability and property risks are loud.
Restaurants
Fall means homecoming banquets, rehearsal dinners, and holiday gatherings. Restaurants, from local bistros to banquet halls, see booming traffic and higher slip-and-fall liability. Make sure your clients are serving meals, not lawsuits.
Food Trucks
Crisp evenings, football games, and local fall festivals mean food trucks are everywhere. In the warmer regions like California and the Southwest, mobile vendors thrive during Q4, but with that growth comes increased sales and exposures. These rolling restaurants need protection as much as their brick-and-mortar counterparts.
Home-Based Businesses, Online Sellers & Importers
Holiday season = order season. Whether it’s an Etsy crafter, an Amazon reseller, or a flea-market importer, these businesses see sales skyrocket ahead of the holidays. Seasonal retail surges introduce exposures such as product liability and shipping disruptions. Coverage now keeps holiday profits safe from costly risks.
Retail Stores
Local shops shine brightest in Q4, especially with Black Friday (Nov. 28) and Small Business Saturday (Nov. 29) on the horizon. Millennials and Gen Z are leaning into supporting independent small businesses. In regions like the Southeast and Florida, retail surges, combined with heavy tourism, mean bigger risks around inventory, theft, and liability.
Beauty, Barber, and Nail Salons
One trade we needed and missed most during the 2020 lockdowns — our hair stylists! These beauticians continue to be our image architects, with Q4 being their peak season. From homecoming hair to holiday parties, salons can barely keep up with appointments. Agents who prospect here are helping these small businesses stay polished—and protected.
Cyber Liability
Did you know that 75% of small businesses are underinsured, and one of the most significant gaps is cyber liability? Even more alarming: 1 in 3 small businesses shuts down within six months of a single cyber-attack. With the holidays bringing a surge in online shopping and digital transactions, cybercriminals see an open season. Now’s the time to protect your clients’ seasonal cheer—and their bottom line—before a hacker steals it.
Why Pathpoint? Quote, Bind, and Collect Faster
Prospecting is only half the battle—the other half is speed. With Pathpoint, you can quote contractors in Colorado, bind a salon in Texas, and secure cyber for a Northeast retailer, all in the same afternoon (in under 15 minutes). Our AI-powered Coverage Finder searches across hundreds of classes with a few keywords. At the same time, Automated E-Sign and Bind auto processes a bind request once the agent and insured sign, meaning fewer bottlenecks and more policies written before the holiday rush. From quoting to payments to inspections, Pathpoint gives you E&S efficiency on autopilot, so you can close more deals and still make it to that weekend football game.
Don’t let competitors sweep up this season’s hottest accounts. Pathpoint helps you place business in minutes, not days—so you can finish Q4 strong and set yourself up for an even bigger 2025.
📣 Start quoting today and turn fall opportunities into year-end wins.
Hemenway, C. (2025, February 6). Slower Growth but Surplus Lines Premiums Still Up 12% in 2024. Insurance Journal. Retrieved September 3, 2025, from website