01
Inbound calls
Live calls from consumers actively shopping coverage, delivered from our own media and connected TV. The consumer chose to pick up the phone — your team gets a warm conversation, not a cold dial.
The channel we are built to lead
Property & casualty customer acquisition
We own every step of the path to your next policyholder.
path. builds and operates its own home and auto media. The calls, clicks, and leads you buy come from a consumer journey we control end to end — not resold data, not syndicated traffic.
Built for people who closeAgentsCarriersAgencies
10,000+
Consumers placed with carriers and agencies
100%
Owned-and-operated media. No syndication.
50
States of home and auto coverage
2×
Faster integration than legacy providers
What we deliver · High intent, ready to quote
Three ways to buy high-intent home and auto customers
Buy one channel or all three. Every unit is priced, capped, and reported at the source level.
02
Clicks
High-intent shoppers delivered straight to your quoting experience from media we own. They arrive in a shopping mindset, so your quote flow does the converting instead of the qualifying.
Real-time bidding
03
Leads
Verified, compliant records captured on our owned media and delivered by API — with the full consent trail your compliance team expects, ready to work the moment they land.
Ping-post or direct post
Owned & operated
If we didn’t build the journey, we won’t sell you the customer
Most traffic in this industry changes hands several times before it reaches you — bought, blended, and resold until no one can say where it started. path. is built the opposite way: we own the media, the message, and the moment of consent from beginning to end, so we can tell you exactly where every consumer came from.
- 01
Our media
Sites and campaigns we build, brand, and buy traffic for ourselves.
- 02
Curated experience
Clear, informative flows that qualify intent and capture documented consent.
- 03
Real-time match
Filters, caps, and pricing applied against your appetite before delivery.
- 04
Bound policy
Purchase data flows back to us and retunes the next buy automatically.
Quality & compliance
Transparency is the product
Every unit we sell carries its origin with it. Audit any record, any day, and see the same story we told you when you bought it. And we measure success the way you do — in bound policies, contact and conversion rates, and cost per acquisition that holds up over time.
Higher contact & conversion
Inbound callers are self-selected and in-market — ready to talk when your team picks up.
Predictable acquisition cost
Traffic we control end to end, not open-market inventory that swings in price and quality week to week.
Volume you can plan around
Scale up or dial back with a partner who owns the supply — growth does not depend on a third-party network.
Documented consent & reporting
TCPA-compliant capture and source-level reporting. No black boxes, no incentivized traffic.
Lines of business
Built for the property and casualty market
Auto
Shoppers actively comparing rates, segmented by coverage, prior carrier, and credit band.
Home
Owners at renewal, purchase, and bundle moments — with property attributes attached.
Commercial
Small commercial risks by class code and revenue band, routed to the right appetite.
Leadership
Operators who have built this market before
path. launched as an independent venture out of Cobras Solutions, led by industry veterans who have sat on the technology, compliance, and operations side of insurance customer acquisition — not just the media-buying side.
Matt Fraser
Co-Founder & CEO
A trusted voice in the lead generation ecosystem for the last 15 years, Matt built his career at LeadCloud and ActiveProspect — platforms that set the standard for compliance and infrastructure in insurance lead gen. At path. that knowledge is the product: media engineered to the standard he spent a career helping define.
Conor Finch
Co-Founder & COO
Conor is a proven operator who has spent the last decade in executive roles scaling insurance acquisition companies responsible for tens of millions of dollars in revenue. He knows how to build businesses and how to deliver quality calls, clicks, and leads consistently and profitably, at scale. Conor is also Co-Founder of Cobras Solutions, the leading Health and Medicare lead generation company.
Brian Napierski
Co-Founder & CFO / CRO
Brian is an accomplished revenue and finance leader with a decade of executive experience growing top lines into the tens of millions across the insurance vertical. He pairs disciplined economics with an operator's instinct for growth, scaling businesses that are profitable, durable, and built to last. Brian is also Co-Founder of Cobras Solutions, the leading Health and Medicare lead generation company.
James Morrow
CTO
Spent 25 years leading technology groups across the Bay Area, from startups to the enterprise, and pioneered AI voice agents at scale at PolicyBind. At path. he builds the machinery behind the media — the routing, the data, the systems that optimize and scale. Also the CTO of Cobras Solutions.
Let’s build your acquisition path.
Tell us your states, your appetite, and your target CAC. We’ll come back with volume you can actually buy.