Last updated March 20, 2026

E&S Insurance in Florida: Classes, Coverage & Quoting Guide

Pathpoint covers 13 Excess & Surplus (E&S) product lines in Florida spanning 327+ class codes, including Contractors, Monoline Property, and LRO. 70.6% of submissions return an instant, bindable quote in roughly 31 seconds. With 19+ active carriers, automated FSLSO stamping office filings, a 5.0% surplus lines tax calculated at checkout, and built-in diligent search documentation, the average bound premium across all Florida product lines is $3,137.

Key Takeaways

13 E&S product lines covering 327+ class codes in Florida
70.6% of submissions receive instant, bindable quotes in ~31 seconds
19+ carrier partners including 18 domestic surplus lines insurers and 1 Lloyd's syndicate
Surplus lines tax of 5.0%, filed automatically through the FSLSO stamping office
Average bound premium of $3,137 across all Florida product lines

What E&S product lines can I quote in Florida?

Florida agents on Pathpoint can currently quote 13 Excess & Surplus (E&S) product lines covering 327+ class codes. The full lineup includes Contractors (117 class codes), Monoline Property, LRO (19 class codes), Contractors Excess (81 class codes), Retail & Services (27 class codes), Vacant Building (3 class codes), Vacant Land (2 class codes), Restaurants (15 class codes), Manufacturing (28 class codes), Monoline Wind, LRO Excess (11 class codes), Cyber (21 class codes), and Other (3 class codes). Contractors leads by bind volume at 772 bound policies over the trailing period, followed by Monoline Property at 551 and LRO at 385. These three lines carry strong appetite and account for the majority of Florida E&S submissions placed through Pathpoint.

Of the 13 product lines available in Florida, 11 (84.6%) are instant-quotable, meaning agents receive a bindable quote in about 31 seconds after submission. The remaining 2 lines, Monoline Wind and Other, are referred to Pathpoint's brokerage team for manual placement. Referred submissions are reviewed by underwriters who shop across the carrier panel and typically return quotes within approximately 20 hours. The agent experience is identical for both instant and referred flows, with the same submission interface and policy documents regardless of turnaround path.

Full class list · Ranked by bind volume

#	Product	Class Codes	Top Classes	Quote Type	Appetite
1	Contractors	117	Contractors–Subcontracted Work–In Connection with Building Construction, Reconstruction, Repair or Erection–One- or Two-Family Dwellings, Remodeling Contractor, Swimming Pools–Installation, Servicing or Repair–Below Ground, Pressure Washing, Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Erection or Repair–Not Buildings	⚡ Instant	Strong
2	Monoline Property	N/A	N/A	⚡ Instant	Strong
3	LRO	19	Dwellings–One-Family (Lessor's Risk Only), Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured–Other Than Not-For-Profit, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit, Dwellings–Two-Family (Lessor's Risk Only), Apartment Buildings–Garden	⚡ Instant	Strong
4	Contractors Excess	81	Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Erection or Repair–Not Buildings, Remodeling Contractor, Contractors–Subcontracted Work–In Connection with Building Construction, Reconstruction, Repair or Erection–One- or Two-Family Dwellings, Contractors–Executive Supervisors or Executive Superintendents, Painting–Interior–Buildings or Structures	⚡ Instant	Strong
5	Retail & Services	27	Beverage Stores–Liquor and Wine, Beauty Parlors and Hair Styling Salons, Laundry and Dry Cleaning Stores, Beverage Stores–Soft Drinks and Beer	⚡ Instant	Strong
6	Vacant Building	3	Vacant Buildings–Not Factories–Other Than Not-For-Profit, Vacant Buildings–Not Factories–Not-For-Profit Only, Vacant Buildings–Factories	⚡ Instant	Active
7	Vacant Land	2	Vacant Land–Other Than Not-For-Profit, Vacant Land–Not-For-Profit Only	⚡ Instant	Strong
8	Restaurants	15	Restaurants–with Sale of Alcoholic Beverages that are Less Than 30% of the Annual Receipts of the Restaurants–with Table Service, Restaurants–with No Sale of Alcoholic Beverages–with Table Service, Restaurants–with Sale of Alcoholic Beverages that are 75% or More of Total Annual Receipts of the Restaurants–with Tables–without Dance Floor: Table Service, Restaurants–with Sale of Alcoholic Beverages that are 30% or More of But Less Than 75% of the Total Annual Receipts of the Restaurants–without Dance Floor, Restaurants–with No Sale of Alcoholic Beverages–without Seating	⚡ Instant	Strong
9	Manufacturing	28	Cosmetics Mfg., Food Products Mfg.–Dry, Food Products Mfg.–Not Dry–In Glass Containers, Candle Mfg., Textile Products Mfg.–Fabricated	⚡ Instant	Strong
10	Monoline Wind	N/A	N/A	↗ Referred	Emerging
11	LRO Excess	11	Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit, Apartment Buildings–Garden, Dwellings–One-Family (Lessor's Risk Only), Apartment Buildings, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured–Other Than Not-For-Profit	⚡ Instant	Strong
12	Cyber	21	Various technology and professional services	⚡ Instant	Strong

How fast can I get an E&S quote in Florida?

70.6% of Florida Excess & Surplus (E&S) account submissions receive an instant quote, with a median turnaround of 31 seconds. When a submission qualifies for instant quoting, the Pathpoint platform simultaneously routes it to all carriers with matching appetite and returns competitive bindable quotes without any manual underwriter review. Agents can submit a risk, review quote options, bind coverage, and receive policy documents all within a single session. This same-session flow applies to 11 of the 13 Florida product lines, including Contractors, Monoline Property, LRO, Restaurants, and Cyber.

For the 29.4% of Florida submissions that are referred, Pathpoint's brokerage team conducts a manual review and shops the risk across the carrier panel. Referred submissions typically receive a quote within 20 hours. The two product lines that follow the referred path in Florida are Monoline Wind and Other. The agent-facing workflow is the same for both paths, with submission, communication, and document delivery all handled inside the Pathpoint platform.

Which carriers are available in Florida?

Pathpoint routes Florida Excess & Surplus (E&S) submissions across 19 carriers: 18 domestic surplus lines insurers and 1 Lloyd's of London syndicate (LIO). The domestic panel includes Westchester, Nautilus, Crum & Forster, The Hartford, Vave, Markel, Baleen Specialty, Penn-America, Velocity Risk Underwriters, Kinsale, AU Gold, At-Bay, District Cover, Ategrity, Ledgebrook, Crum & Forster SMB, Markel Brokerage, and Westchester Middle Market. The platform evaluates each submission against carrier appetite by class code, location, risk size, and loss history, then routes to all eligible carriers simultaneously and returns competitive quotes from those with active appetite in Florida.

These 19 carriers collectively support all 13 Florida product lines, from Contractors (117 class codes) and Monoline Property to Restaurants, Cyber, and Manufacturing. Multi-carrier quoting is available across the highest-volume lines, giving agents side-by-side premium comparisons before binding. Pathpoint continuously adds carrier relationships in Florida and across its national footprint, with a particular focus on expanding appetite in emerging lines like Monoline Wind.

Where is Pathpoint's appetite strongest in Florida?

Pathpoint uses three appetite tiers, and 11 of 13 Florida product lines sit in the strong tier, meaning each line carries an account quote rate of 60% or higher. The strong-tier lines are Contractors (85.2% quote rate), LRO (93.2%), Restaurants (87.9%), Monoline Property (60.1%), Contractors Excess (68.7%), Retail & Services (74.4%), Vacant Land (72.8%), Manufacturing (65.4%), LRO Excess (79.8%), Cyber (62.5%), and Other (100.0%). These 11 lines represent the broadest and most competitive portion of Florida E&S appetite on the platform, with the highest bind rates and the most carrier options available.

Vacant Building sits in the active (mid) tier with a 58.0% quote rate, meaning most submissions receive a quote but appetite is more selective than the strong-tier lines. Monoline Wind is in the emerging tier, reflecting a referred-only flow with limited account-level volume as Pathpoint expands carrier partnerships for wind-only risks in Florida. Emerging-tier lines are actively supported but may have fewer carrier options and longer turnaround times than the strong-tier lines.

What are the surplus lines requirements in Florida?

Florida levies a 5.0% surplus lines tax on all Excess & Surplus (E&S) placements. All filings go through the Florida Surplus Lines Service Office (FSLSO), the state's designated stamping office. Pathpoint handles FSLSO filing electronically as a standard part of the binding process, meaning agents do not need to submit filings separately or maintain a direct account with FSLSO. The 5.0% tax is calculated automatically at checkout and added to the quoted premium before the agent presents the final cost to the insured.

Florida requires a diligent search, defined as obtaining 3 declinations from admitted carriers, before a risk can be placed in the surplus lines market. Pathpoint automates the documentation of diligent search evidence and stores it within the account record, satisfying state recordkeeping requirements without additional agent effort. All Florida filings follow the home-state method under the Nonadmitted and Reinsurance Reform Act (NRRA), which means only one state's tax and stamping requirements apply regardless of where a multi-state risk is based.

Surplus Lines Tax: 5.0%
Stamping Office: FSLSO
Diligent Search: 3 declinations
Filing Method: Home state

How does quoting E&S on Pathpoint work in Florida?

Quoting Excess & Surplus (E&S) insurance through Pathpoint in Florida follows four steps. First, the agent submits risk information, including class code, location, revenue, and desired limits, through the Pathpoint platform. Second, the platform routes the submission to all eligible carriers and returns quotes, with 70.6% of Florida accounts receiving an instant, bindable result in about 31 seconds. Third, the agent selects a quote and requests to bind, at which point Pathpoint triggers FSLSO stamping office filings automatically and applies the 5.0% Florida surplus lines tax to the final premium. Fourth, policy documents and the binder are issued through the platform, with no manual paperwork required from the agent.

No surplus lines license is needed to submit business through Pathpoint in Florida. Pathpoint acts as the licensed wholesale broker of record, handling all carrier negotiations, FSLSO filings, and surplus lines compliance on the agent's behalf. Retail agents earn standard commission on every bound policy, and there is no fee to create a Pathpoint account or submit risks. Agents retain the client relationship throughout and receive the same commission structure whether the account is instant-quoted or goes through the referred underwriting path.

What does E&S insurance cost in Florida?

The average bound premium across all Florida Excess & Surplus (E&S) product lines on Pathpoint is $3,137. Costs vary considerably by product line and risk profile. Monoline Property averages $4,297, with a typical interquartile range of $750 to $4,354. LRO averages $2,764, with a range of $550 to $3,334. Contractors averages $2,706, with a range of $793 to $3,423. These ranges reflect the 25th-to-75th percentile of actual bound premiums on the platform and will vary based on class code, coverage limits, business revenue, loss history, and location within Florida.

Excess & Surplus (E&S) premiums are generally higher than admitted market rates because surplus lines carriers accept risks that admitted insurers decline, including property in coastal or hurricane-exposed areas of Florida and contractors working on higher-hazard project types. Pathpoint's multi-carrier routing model helps keep pricing competitive by returning quotes from all carriers with active appetite for each submission simultaneously, allowing agents to compare options before binding. Exact pricing is provided at the quote stage with no obligation to bind.

There is no cost to create a Pathpoint account or submit risks for quoting in Florida. Retail agents earn standard commission on every bound policy, paid by the carrier. The 5.0% Florida surplus lines tax is calculated automatically at checkout and passed through to the insured as a line item on the policy, consistent with state law. No platform fees or markup are added on top of the carrier-quoted premium.

Frequently Asked Questions: E&S Insurance in Florida

Pathpoint offers 13 Excess & Surplus (E&S) product lines in Florida covering 327+ class codes. The lineup spans Contractors (117 class codes), Monoline Property, LRO (19 class codes), Contractors Excess (81 class codes), Retail & Services (27 class codes), Vacant Building, Vacant Land, Restaurants (15 class codes), Manufacturing (28 class codes), Monoline Wind, LRO Excess (11 class codes), Cyber (21 class codes), and Other. Of the 13 lines, 11 (84.6%) are instant-quotable. Monoline Wind and Other are referred to Pathpoint's brokerage team, with quotes typically returned within 20 hours.

Florida's surplus lines tax rate is 5.0%. All E&S placements in Florida must be filed with the Florida Surplus Lines Service Office (FSLSO), the state's designated stamping office. Pathpoint handles FSLSO filing electronically as a standard step in the binding process, so agents do not need to manage filings separately. The 5.0% tax is calculated automatically at checkout and displayed as a line item on the final premium, consistent with Florida law. Agents are not required to maintain a direct FSLSO account.

70.6% of Florida E&S submissions receive an instant quote with a median turnaround of 31 seconds. Pathpoint routes instant submissions to all eligible carriers simultaneously and returns bindable quotes without manual underwriter review. For the 29.4% of submissions that are referred, including Monoline Wind and Other product lines, Pathpoint's brokerage team reviews the account and typically delivers a quote within 20 hours. Both paths use the same submission interface, and agents can bind and receive policy documents through the platform in either case.

No. Retail agents do not need a surplus lines license to submit business through Pathpoint in Florida. Pathpoint acts as the licensed wholesale surplus lines broker of record, handling all carrier negotiations, FSLSO stamping office filings, diligent search documentation, and compliance requirements. Retail agents earn standard commission on every bound policy. There is no fee to create a Pathpoint account or submit risks for quoting. Agents retain the client relationship and receive the same commission structure whether the account is instant-quoted or referred.

Pathpoint routes Florida E&S submissions across 19 carriers, including 18 domestic surplus lines insurers and 1 Lloyd's of London syndicate. The domestic panel includes Westchester, Nautilus, Crum & Forster, The Hartford, Vave, Markel, Baleen Specialty, Penn-America, Velocity Risk Underwriters, Kinsale, AU Gold, At-Bay, District Cover, Ategrity, Ledgebrook, Crum & Forster SMB, Markel Brokerage, and Westchester Middle Market. The Lloyd's syndicate is LIO. The platform routes each submission to all carriers with active appetite for that class code and location, returning competing quotes for agent comparison.

A referred product line means the submission is reviewed manually by Pathpoint's brokerage team rather than returning an instant, automated quote. In Florida, Monoline Wind and Other are the two referred product lines. After submission, a Pathpoint underwriter reviews the account, shops it across the carrier panel, and typically returns a quote within 20 hours. The agent submits through the same Pathpoint platform interface and receives the quote, binds, and gets policy documents through the same workflow. Referred submissions follow the same FSLSO filing and compliance process as instant-quoted accounts.

The average bound premium across all Florida E&S product lines on Pathpoint is $3,137. By product line, Monoline Property averages $4,297 (typical range $750 to $4,354), LRO averages $2,764 (range $550 to $3,334), and Contractors averages $2,706 (range $793 to $3,423). Final pricing depends on class code, coverage limits, business revenue, loss history, and property location within Florida. A 5.0% Florida surplus lines tax is applied at checkout on top of the quoted carrier premium. Exact pricing is provided at the quote stage with no obligation to bind.

Florida requires all surplus lines placements to be filed with the Florida Surplus Lines Service Office (FSLSO). Pathpoint handles FSLSO filing electronically as an automatic step when a policy is bound through the platform. Agents do not need to submit filings to FSLSO directly, maintain a separate FSLSO account, or take any additional steps after binding. The 5.0% surplus lines tax is also calculated and displayed automatically at checkout. Pathpoint's handling of FSLSO filings is included at no additional charge as part of the standard broker-of-record service.