Commercial insurance · Licensed in 50 states
Y
Backed by Y Combinator

Insurance for thebusinesses thatbuildhaulpourwireshipserve
the country.

We treat heavy industry like high finance. Data-driven risk placement for construction, logistics, and manufacturing.

Start a quote→See coverage
50
states licensed
A-rated
carrier panel
Broker
direct follow-up
Container terminal and industrial freight operations
Est. 2024 / San Gabriel, CA+
Port & inland logistics / written
By the numbers
1,000+
cases handled
across our programs
Millions
in premium placed
for operators nationwide
48 hr
median time to first quote
on in-appetite accounts
50
states licensed
admitted + surplus lines
Industries we serve

Twenty programs. One broker.

Each program has a dedicated carrier panel, a real underwriting appetite, and a broker who actually knows the class.

Contractors
Contractors
Program 01
Construction / Trades

GCs, subs, and specialty trades including the high-hazard work other brokers decline.

Coverage lines placed
General LiabilityWorkers CompTools & EquipmentCommercial AutoBuilders RiskExcess
Who we write
  • -Annual revenue $500K-$25M
  • -Crews of 3-75 W-2 / 1099
  • -Roofing, framing, demo, mech and elec all written
  • -EMR up to 1.4 still placeable
GL premium
$2,400-$8,900
per $1M, varies by class
See program →
Operators we have quoted: Roofers / Concrete / Framing / HVAC / Electrical / Demo / Excavation
Trucking & Logistics
Trucking & Logistics
Program 02
Big Rig / Cargo / Fleet

New ventures, legacy fleets, and the radius-extension cases standard markets bounce.

Coverage lines placed
Primary Auto LiabilityMotor Truck CargoPhysical DamageNTLTrailer InterchangeOcc/Acc
Who we write
  • -Owner-operators and commercial fleets
  • -New ventures reviewed individually
  • -Long-haul and 500-mile radius
  • -Driver history and operating details reviewed
Per-truck premium
$9,400-$16,200
12-mo, $1M CSL
See program →
Operators we have quoted: Sand & gravel / Reefer / Flatbed / Final mile / Auto haulers / Hazmat
Manufacturing
Manufacturing
Program 03
Light & Heavy Industrial

Property and product programs sized to single-shift shops and 24/7 plants alike.

Coverage lines placed
Commercial PropertyProduct LiabilityGeneral LiabilityEquipment BreakdownInland MarineCyber
Who we write
  • -Building values $500K-$40M
  • -Payroll $250K-$20M
  • -Co-packers, food, metalwork, plastics, electronics
  • -Stock throughput on raw + finished goods
Property + GL
$0.42 / $100
of TIV, blended class avg
See program →
Operators we have quoted: Food & beverage / Metal fab / Plastics / Electronics / Co-packers / Aerospace tier-2
Bars, Venues & Hospitality
Bars, Venues & Hospitality
Program 04
Liquor / Events / Hotels

Liquor-heavy and assault-and-battery-exposed risks placed where retail brokers cannot.

Coverage lines placed
Liquor LiabilityGeneral LiabilityPropertyAssault & BatteryLiquor BondEvent Riders
Who we write
  • -Liquor receipts up to 80% of total
  • -Late-night operations OK
  • -Boutique hotels from 8-120 keys
  • -Wedding venues with on-site bar
Liquor + GL
$3,800-$11,500
annual, by receipts
See program →
Operators we have quoted: Bars / Nightclubs / Wedding venues / Boutique hotels / Event halls / Breweries
Do not see your class? Ask us. →
Client stories

Built for operators, by operators.

Trucking / 60 power units
Trucking / 60 power units+

"Three other brokers told us our risk was uninsurable. Panta had a quote in 48 hours."

Operations Director
Mid-market logistics / Illinois
Contractor / WC + GL
Contractor / WC + GL+

"They actually understood our business. Did not treat us like a generic GL submission."

Owner
Concrete contractor / Texas
Manufacturer / Property + GL
Manufacturer / Property + GL+

"Renewal was painless. Side-by-side comparison and a clear recommendation in plain English."

Controller
Manufacturing / Ohio
Coverage

Every line you need, placed well.

From basics to specialty lines, we structure programs that actually fit how your business runs.

GL01

General Liability

Third-party bodily injury and property damage.

BA02

Commercial Auto

Vehicles owned, hired, and non-owned.

WC03

Workers Compensation

Employee injury, statutory in most states.

PR04

Property

Buildings, contents, business interruption.

EPL05

Employment Practices

Wrongful termination, discrimination, harassment.

CYB06

Cyber

Breach response, ransomware, business email compromise.

UMB07

Umbrella / Excess

Higher limits over GL, Auto, and Employers Liability.

PROF08

Professional Liability

Errors and omissions in service delivery.

How it works

A modern brokerage, built for speed.

012 min

Tell us about the business.

Two-minute intake. Operations, payroll, fleet, claims history. We do not need a 40-page submission to start.

0224-72 hr

We market the account.

Panta places the risk against the carriers most likely to write it instead of you calling agents one at a time.

03When ready

Compare and bind.

Side-by-side quotes, deductible options, endorsements explained in plain English. Bind when you are ready.

A-rated carrier panel

We work with the carriers operators trust.

Subject to appointment
TravelersChubbThe HartfordLiberty MutualCNANationwideZurichHiscoxAIGMarkelBerkshire HathawayGreat AmericanTokio MarinePhiladelphiaEmployersCincinnatiWestfieldTravelersChubbThe HartfordLiberty MutualCNANationwideZurichHiscoxAIGMarkelBerkshire HathawayGreat AmericanTokio MarinePhiladelphiaEmployersCincinnatiWestfield
Start now

Talk to a real broker. Today.

Join hundreds of businesses who switched to Panta for faster rates and service.

Rather skip the form? Call +1 626 778 2586 or text us.