Panta Insurance

Operators in construction, trucking, manufacturing, and hospitality often run high-hazard or nonstandard risks that generic brokers decline or struggle to place, such as roofing crews, long-haul fleets with radius extensions, 24/7 industrial plants, or bars with heavy liquor sales. Client quotes on the page describe being told by other brokers that their risk was 'uninsurable' or being treated like a generic submission rather than understood on its own terms. Today these businesses must call agents one at a time, assemble lengthy submissions, and wait, with no guarantee a carrier will even quote the account. This costs them time, coverage gaps, and in some cases the inability to get insured at all.

Panta Insurance operates as a broker with four focused programs: Contractors, Trucking & Logistics, Manufacturing, and Bars/Venues/Hospitality, each with a defined underwriting appetite (for example, contractors with $500K-$25M revenue and EMR up to 1.4, or bars with liquor receipts up to 80% of total sales). The process starts with a two-minute intake instead of a long submission, after which Panta markets the account across an A-rated carrier panel (naming carriers like Travelers, Chubb, and Liberty Mutual) over 24-72 hours. Clients then receive side-by-side quotes with deductible options and endorsements explained in plain English before binding. The company states a 48-hour median time to first quote on in-appetite accounts and is licensed in 40+ states for both admitted and surplus lines.