E&S Insurance in New York: Classes, Coverage & Quoting Guide

Pathpoint offers 13 Excess and Surplus (E&S) product lines in New York covering 291+ class codes, including LRO, Monoline Property, and Contractors. 59% of submissions receive an instant, bindable quote in under a minute. The platform partners with 22+ carriers, handles all New York surplus lines compliance automatically, including tax calculation at 3.6%, diligent search documentation, and ELANY (Excess Line Association of New York) stamping office filings, with an average bound premium of $4,095 across all product lines.

Key Takeaways

  • 13 E&S product lines covering 291+ class codes in New York
  • 59% of submissions receive instant, bindable quotes in under a minute
  • 22+ carrier partners across E&S and non-admitted surplus lines markets
  • Surplus lines tax of 3.6%, calculated and filed automatically at bind through the ELANY stamping office
  • Average bound premium of $4,095 across all New York product lines

What E&S product lines can I quote in New York?

New York agents on Pathpoint can currently quote 13 Excess and Surplus (E&S) product lines covering 291+ class codes. The full lineup: LRO (20 class codes), Contractors (120), Vacant Land (2), Vacant Building (3), Retail and Services (30), LRO Excess (14), Restaurants (17), Manufacturing (30), Contractors Excess (77), and Churches (3). LRO leads bind volume, followed by Monoline Property and Contractors. All three carry strong appetite with high quote rates across a wide range of class codes.

Of the 13 product lines, 10 (approximately 77%) are instant-quotable, meaning agents receive an auto-generated bindable quote in under a minute after submission. The remaining 3 lines, Contractors Excess, Churches, and Monoline Wind, are referred to Pathpoint's brokerage team for manual placement, with quotes typically returned within a median of about 43 hours.

Full class list · Ranked by bind volume
#ProductClass CodesTop ClassesQuote TypeAppetite
1LRO20Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit, Apartment Buildings, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured–Other Than Not-For-Profit, Apartment Buildings–Garden, Dwellings–One-Family (Lessor's Risk Only)⚡ InstantStrong
2Monoline PropertyN/AApartment Buildings, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured–Other Than Not-For-Profit, Apartment Buildings–Garden, Dwellings–One-Family (Lessor's Risk Only)⚡ InstantStrong
3Contractors120Carpentry–Interior, Remodeling Contractor, Painting–Interior–Buildings or Structures, Contractors–Subcontracted Work–In Connection with Building Construction, Reconstruction, Repair or Erection–One- or Two-Family Dwellings, Landscape Gardening⚡ InstantStrong
4Vacant Land2Vacant Land–Other Than Not-For-Profit, Vacant Land–Not-For-Profit Only⚡ InstantStrong
5Vacant Building3Vacant Buildings–Not Factories–Other Than Not-For-Profit, Vacant Buildings–Not Factories–Not-For-Profit Only, Vacant Buildings–Factories⚡ InstantStrong
6Retail & Services30Grocery Stores, Beverage Stores–Liquor and Wine, Beauty Parlors and Hair Styling Salons, Clothing or Wearing Apparel Stores–Other Than Not-For-Profit, Convenience Stores – No Gas Station, Car Wash or Restaurant⚡ InstantStrong
7LRO Excess14Apartment Buildings, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured–Other Than Not-For-Profit, Apartment Buildings–Garden, Warehouses–Occupied by Single Interest (Lessor's Risk Only)⚡ InstantStrong
8Restaurants17Restaurants–with No Sale of Alcoholic Beverages–without Table Service with Seating, 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 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 No Sale of Alcoholic Beverages–with Table Service, Restaurants–with No Sale of Alcoholic Beverages–without Seating⚡ InstantStrong
9Manufacturing30Food Products Mfg.–Dry, Candle Mfg., Cosmetics Mfg., Food Products Mfg.–Not Dry–In Glass Containers, Liquor Mfg.⚡ InstantStrong
10CyberN/AInvestigation Services, Offices of Certified Public Accountants, Other Computer Related Services, Other Scientific and Technical Consulting Services⚡ InstantStrong
11Contractors Excess77Carpentry–Construction of Residential Property Not Exceeding Three Stories in Height, Contractors–Executive Supervisors or Executive Superintendents, Contractors–Subcontracted Work–In Connection with Building Construction, Reconstruction, Repair or Erection–One- or Two-Family Dwellings, Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Erection or Repair–Not Buildings, Contractors–Subcontracted Work–Other Than Construction-Related Work↗ ReferredEmerging
12Churches3Churches or Other Houses of Worship↗ ReferredStrong
13Monoline WindN/A(no binds in period)↗ ReferredEmerging

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

59% of New York account submissions receive an instant quote in under a minute. Once a submission is complete, Pathpoint's quote engine routes the risk to integrated carriers and returns a bindable quote automatically, with no wait for an underwriter. Agents can submit, review quotes, bind coverage, and receive policy documents without leaving the platform, all within a single session for instant-eligible risks.

For referred submissions, those that fall outside instant-quote eligibility, Pathpoint's brokerage team reviews the risk, shops it across the carrier panel, and returns a quote. The median turnaround in New York is about 43 hours of elapsed time. The agent experience is consistent: submit through the platform, monitor status, and bind when the quote is ready.

Which carriers are available in New York?

Pathpoint partners with 22 carriers active in New York over the trailing 12 months, all operating as E&S and non-admitted surplus lines markets. The panel includes AU Gold, Adaptive Insurance, At-Bay, Ategrity, Ategrity SMB, Centrex, Crum and Forster, District Cover, Hiscox USA, Kinsale, LIO, MUSIC, Markel, Markel Brokerage, NEC Specialty, Nautilus, Old Republic Union Insurance Company (Brokerage), Penn-America, The Hartford, Vave, West Congress, and Westchester. The platform evaluates appetite by class code, location, risk size, and loss history to route each submission to the best-fit market.

Coverage spans all 13 New York product lines, from Contractors (120 class codes) to Vacant Land (2). When multiple carriers compete on a submission, agents see all available quotes in a single view. Pathpoint continuously expands its carrier relationships, so appetite and pricing options for New York risks continue to grow.

Where is Pathpoint's appetite strongest in New York?

Pathpoint organizes appetite into three tiers based on account quote rates. In New York, 11 of 13 product lines carry strong appetite, meaning account quote rates of 50% or higher. Those 11 lines are LRO, Monoline Property, Contractors, Vacant Land, Vacant Building, Retail and Services, LRO Excess, Restaurants, Manufacturing, Cyber, and Churches. These lines see the highest bind rates and the most competitive multi-carrier pricing, making them the most reliable options for agents placing E&S risks in the state.

No New York product lines currently fall into the mid-appetite tier. Two lines, Contractors Excess and Monoline Wind, are in the emerging tier, reflecting actively expanding carrier partnerships. Contractors Excess carries a 3% account quote rate in the current period, and Monoline Wind had no bound New York policies in the trailing 12 months. Agents can still submit these risks, as Pathpoint's brokerage team handles placement manually.

What are the surplus lines requirements in New York?

New York surplus lines premium tax is 3.6%, applied automatically at checkout by Pathpoint as part of the bind process. New York requires that all surplus lines placements be filed with ELANY (Excess Line Association of New York), the state's designated stamping office. Pathpoint handles ELANY filings electronically as part of binding, so agents do not need to interact with ELANY directly or prepare filings separately.

New York's diligent search requirement is 3 declinations from admitted carriers for non-export-list risks. Agents should verify the current ELANY export list, which exempts certain classes from the declination requirement. Pathpoint automates diligent search documentation as part of the submission workflow. The state uses home-state filing under the Nonadmitted and Reinsurance Reform Act (NRRA), meaning only New York's tax and compliance rules apply regardless of where other insureds are located.

Surplus Lines Tax
3.6%
Stamping Office
ELANY
Diligent Search
3 declinations (for non-export-list risks)
Filing Method
Home state

How does quoting E&S on Pathpoint work in New York?

Quoting E&S in New York on Pathpoint follows four steps. First, the agent submits account information including class code, location, coverage details, and limits. Second, the platform routes the submission to integrated carriers and returns a quote: 59% of New York submissions receive an instant bindable quote in under a minute, and referred submissions go to the brokerage team for manual placement with an average 318-hour turnaround. Third, the agent selects a quote and requests bind, at which point Pathpoint automatically prepares ELANY stamping office filings and diligent search documentation. Fourth, policy documents are issued and the 3.6% New York surplus lines tax is applied at checkout.

Agents do not need a surplus lines license to use Pathpoint in New York. Pathpoint acts as broker of record and manages all surplus lines compliance on behalf of the placing retail agent. Agents earn a standard retail commission and there is no cost to open an account or submit risks.

What does E&S insurance cost in New York?

The average bound premium in New York across all product lines is $4,095. Costs vary significantly by product line, class code, coverage limits, risk size, and loss history. Among the top three lines by bind volume: LRO averages $5,240 (typical range $2,309 to $6,888), Monoline Property averages $4,156 ($1,987 to $5,164), and Contractors averages $3,166 ($1,316 to $3,706). Agents receive exact pricing at the quote stage with no obligation to bind.

E&S premiums are generally higher than admitted market pricing because non-admitted carriers take on harder-to-place risks that standard markets decline. Pathpoint's multi-carrier platform creates competition across 22 active New York carriers, which helps keep pricing as competitive as possible within the E&S segment. All quoted premiums are final at bind, with no separate surplus lines carrier invoice needed.

There is no cost to create a Pathpoint account or submit risks. Agents earn a standard retail commission on each bound policy. New York's 3.6% surplus lines tax is calculated automatically and passed through to the insured at checkout, with no manual tax calculation required.

Frequently Asked Questions: E&S Insurance in New York

Pathpoint supports 13 E&S product lines in New York covering 291+ class codes. Ten of the 13 (approximately 77%) are instant-quotable, including LRO, Monoline Property, Contractors, Vacant Land, Vacant Building, Retail and Services, LRO Excess, Restaurants, Manufacturing, and Cyber. The remaining 3 lines, Contractors Excess, Churches, and Monoline Wind, are referred to the brokerage team for manual placement. Top products by bind volume are LRO, Monoline Property, and Contractors.
New York's surplus lines premium tax rate is 3.6%. Pathpoint calculates this automatically and applies it at checkout, so agents do not need to compute or remit the tax separately. New York also requires ELANY (Excess Line Association of New York) stamping office filings for all surplus lines placements. Pathpoint handles ELANY filings electronically as part of the bind process, so agents do not need to interact with ELANY directly.
59% of New York submissions receive an instant, bindable quote in under a minute. Agents submit account details, the platform routes to integrated carriers, and a quote is returned automatically, all within a single session for instant-eligible risks. For referred submissions, Pathpoint's brokerage team reviews and shops the risk across the carrier panel, returning a quote with a median turnaround of about 43 hours.
No. Agents do not need a surplus lines license to place E&S coverage through Pathpoint in New York. Pathpoint acts as the broker of record and manages all surplus lines compliance, including ELANY filings, diligent search documentation, and tax remittance. Retail agents earn a standard commission on each bound policy. There is no fee to open a Pathpoint account or submit risks.
22 carriers were active in New York over the trailing 12 months, all operating as E&S and non-admitted surplus lines markets. The panel includes AU Gold, Adaptive Insurance, At-Bay, Ategrity, Ategrity SMB, Centrex, Crum and Forster, District Cover, Hiscox USA, Kinsale, LIO, MUSIC, Markel, Markel Brokerage, NEC Specialty, Nautilus, Old Republic Union Insurance Company (Brokerage), Penn-America, The Hartford, Vave, West Congress, and Westchester. The platform routes each submission to the best-fit carrier based on class code, location, limits, and loss history.
A referred submission means the risk does not qualify for an auto-generated instant quote and is routed to Pathpoint's brokerage underwriting team instead. The team reviews the account, shops it across the carrier panel, and returns a quote. The median turnaround in New York is about 43 hours. The referred lines in New York are Contractors Excess, Churches, and Monoline Wind. The agent workflow is the same: submit through the platform, track status, and bind when the quote is ready.
The average bound premium across all New York product lines is $4,095. Costs vary by product line, class code, limits, and risk profile. Top line averages: LRO at $5,240 (typical range $2,309 to $6,888), Monoline Property at $4,156 ($1,987 to $5,164), and Contractors at $3,166 ($1,316 to $3,706). New York's 3.6% surplus lines tax is added at checkout. Agents receive exact pricing at the quote stage with no obligation to bind.
All New York surplus lines policies must be filed with ELANY (Excess Line Association of New York). Pathpoint handles ELANY filings electronically as part of the bind process. Agents do not need to submit paperwork to ELANY separately or track filing deadlines. Once an agent binds a policy, Pathpoint prepares and transmits the required ELANY filing automatically, alongside diligent search documentation and the 3.6% tax calculation.
FAQs