Last updated March 20, 2026

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

Pathpoint offers 11 Excess and Surplus (E&S) product lines in New York covering 338+ class codes, including LRO, Monoline Property, and Contractors. 60.7% of submissions receive an instant, bindable quote in roughly 14 seconds. The platform partners with 15+ carriers, handles all New York surplus lines compliance automatically (including ELANY stamping office filings, tax calculation at 3.6%, and diligent search documentation), with an average bound premium of $4,078 across all product lines.

Key Takeaways

11 E&S product lines covering 338+ class codes in New York
60.7% of submissions receive instant, bindable quotes in ~14 seconds
15+ carrier partners including 14 domestic surplus lines insurers and 1 Lloyd's syndicate
Surplus lines tax of 3.6%, filed automatically through the ELANY stamping office
Average bound premium of $4,078 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 11 Excess and Surplus (E&S) product lines covering 338+ class codes. The full lineup includes LRO (19 class codes), Monoline Property (59 class codes), Contractors (110 class codes), Vacant Building (3 class codes), Vacant Land (2 class codes), Retail and Services (22 class codes), LRO Excess (13 class codes), Restaurants (16 class codes), Manufacturing (18 class codes), Cyber (16 class codes), and Contractors Excess (60 class codes). By trailing 12-month bind volume, LRO (811 binds), Monoline Property (633 binds), and Contractors (400 binds) are the top three lines and carry strong appetite in the state.

All 11 product lines in New York are configured as instant-quotable, meaning 100% of product lines are eligible for an automated quote response. In practice, approximately 39.3% of individual submissions are referred to Pathpoint's brokerage team based on specific risk characteristics such as high limits, adverse loss history, or unusual occupancy codes. Referred submissions receive a quote within a median of approximately 42.4 hours, about 1.8 business days, through the same agent portal with no resubmission required.

Full class list · Ranked by bind volume

#	Product	Class Codes	Top Classes	Quote Type	Appetite
1	LRO	19	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, Apartment Buildings–Garden, Warehouses–Occupied by Single Interest (Lessor's Risk Only)	⚡ Instant	Strong
2	Monoline Property	59	Apartment 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)	⚡ Instant	Active
3	Contractors	110	Carpentry–Interior, Remodeling Contractor, Painting–Interior–Buildings or Structures, Contractors–Subcontracted Work–In Connection with Building Construction–One- or Two-Family Dwellings, Landscape Gardening	⚡ Instant	Active
4	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
5	Vacant Land	2	Vacant Land–Other Than Not-For-Profit, Vacant Land–Not-For-Profit Only	⚡ Instant	Strong
6	Retail & Services	22	Grocery Stores, Clothing or Wearing Apparel Stores–Other Than Not-For-Profit, Food Trucks and Trailers – Mobile Concessions, Cosmetic, Hair or Skin Preparation Stores, Floor Covering Stores	⚡ Instant	Active
7	LRO Excess	13	Apartment 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)	⚡ Instant	Strong
8	Restaurants	16	Restaurants–with Sale of Alcoholic Beverages Less Than 30% of Annual Receipts–with Table Service, Restaurants–with Sale of Alcoholic Beverages 30% or More But Less Than 75%–without Dance Floor, Restaurants–with No Sale of Alcoholic Beverages–without Table Service with Seating, Restaurants–with Sale of Alcoholic Beverages 75% or More–with Tables–without Dance Floor, Restaurants–with No Sale of Alcoholic Beverages–with Table Service	⚡ Instant	Active
9	Manufacturing	18	Food Products Mfg.–Dry, Cosmetics Mfg., Manufacturers, Candle Mfg., Food Products Mfg.–Not Dry–In Glass Containers	⚡ Instant	Active
10	Cyber	16	Investigation Services, Certified Public Accountants, Scientific/Technical Consulting, Computer Related Services	⚡ Instant	Strong
11	Contractors Excess	60	Contractors–Subcontracted Work–Other Than Construction-Related Work, Contractors–Subcontracted Work–In Connection with Construction–Not Buildings, Contractors–Executive Supervisors or Executive Superintendents	⚡ Instant	Emerging

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

60.7% of New York submissions on Pathpoint receive an instant, bindable quote with a median turnaround of 14 seconds. The platform evaluates risk details in real time, routes to the appropriate carrier among 15 partners, and returns a quote agents can immediately review and bind within a single session. This instant turnaround applies across all 11 product lines available in the state, covering more than 338 class codes, so agents submitting standard commercial property, Contractors GL, or LRO accounts can typically bind without any wait for underwriter review.

For the remaining approximately 39.3% of submissions, Pathpoint's brokerage team manually underwrites the risk and returns a quote within a median of 42.4 hours, roughly 1.8 business days. Referred submissions follow the same agent workflow as instant quotes: the agent submits once, the platform routes the file, and a quote arrives in the portal ready to bind. No re-entry of risk data is required when the referred quote is ready to act on.

Which carriers are available in New York?

Pathpoint routes New York business through 15 carrier partners, including 14 domestic surplus lines insurers and 1 Lloyd's of London syndicate. Carrier routing is automated: when an agent submits a risk, the platform evaluates class code, location, coverage limits, loss history, and carrier appetite data simultaneously, then presents the best available option. When multiple carriers can accommodate a risk, the platform returns the most competitive quote. Carrier relationships are continuously reviewed and expanded to deepen coverage across all appetite tiers in the state.

The 15-carrier panel covers all 11 New York product lines spanning 338+ class codes, from high-volume segments like Monoline Property and LRO to specialized lines like Cyber and Manufacturing. Domestic surplus lines insurers handle the majority of New York volume, while the Lloyd's syndicate supplements capacity on select property and specialty lines. Agents do not need to select a carrier at submission. The routing logic handles placement automatically based on real-time appetite and pricing data.

Where is Pathpoint's appetite strongest in New York?

Pathpoint uses three appetite tiers in New York. Four product lines carry high appetite, meaning the highest bind rates and most competitive pricing within the state: LRO, Vacant Land, LRO Excess, and Cyber. High-appetite lines benefit from the deepest carrier alignment, with multiple carriers competing for the same risk type, which keeps pricing tight and turnaround fast. LRO alone produced 811 binds in the trailing 12 months, the highest single-line volume in New York.

Six product lines carry active (mid) appetite in New York: Monoline Property, Contractors, Vacant Building, Retail and Services, Restaurants, and Manufacturing. These lines are well-supported but may have narrower carrier options on certain class codes or occupancy types. One line, Contractors Excess, is in the emerging tier, meaning Pathpoint is actively building carrier capacity for that product in the state. Agents quoting emerging lines can still receive quotes but should expect a higher proportion of referred submissions going to the brokerage team.

What are the surplus lines requirements in New York?

New York levies a 3.6% surplus lines tax on all non-admitted placements. All filings must go through ELANY (Excess Line Association of New York), the state's designated stamping office for surplus lines transactions. Pathpoint files electronically with ELANY as part of the binding process. The 3.6% tax is calculated automatically at checkout and included in the total premium presented to the agent before binding. No separate filing action is required from the retail agent or their agency.

New York requires a diligent search showing 3 declinations from admitted carriers before a surplus lines placement can be made. Pathpoint automates this documentation within the submission workflow, eliminating the need for agents to gather declination letters manually. The state uses the home state filing method under the Nonadmitted and Reinsurance Reform Act (NRRA), meaning the compliance obligations follow the insured's principal place of business. For risks domiciled in New York, all compliance runs through the ELANY framework.

Surplus Lines Tax: 3.6%
Stamping Office: ELANY
Diligent Search: 3 declinations
Filing Method: Home state

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

Quoting Excess and Surplus (E&S) insurance in New York on Pathpoint follows four steps. First, the agent submits risk details including class code, location, limits, and loss history through the platform. Second, Pathpoint routes the submission to its 15-carrier panel and returns a quote: 60.7% of New York submissions get an instant quote in about 14 seconds, while referred files are returned within approximately 42.4 hours. Third, the agent binds directly in the platform, and Pathpoint automatically files with ELANY and applies the 3.6% New York surplus lines tax at checkout. Fourth, policy documents are issued digitally, completing the transaction.

No surplus lines license is required for the retail agent. Pathpoint serves as the licensed surplus lines broker of record for all New York placements, managing ELANY filings, diligent search documentation, and tax remittance. Agents earn standard retail commission on every bind. There is no subscription fee, per-submission charge, or minimum volume requirement to access the platform in New York.

What does E&S insurance cost in New York?

The average bound premium across all New York E&S placements on Pathpoint is $4,078. Premiums vary by product line and risk profile. LRO policies average $5,173, with a typical range of $2,226 to $6,882. Monoline Property averages $4,108, with a typical range of $1,995 to $5,159. Contractors policies average $3,220, with a typical range of $1,326 to $3,672. The 3.6% New York surplus lines tax is applied on top of the base premium at checkout and passed through to the insured as a separate line item.

E&S premiums in New York are generally higher than comparable admitted market rates because surplus lines carriers accept risks that standard carriers decline, including higher-hazard classes, properties with prior losses, and non-standard occupancies. Pathpoint's 15-carrier panel creates multi-carrier competition for eligible risks, which keeps pricing as competitive as the non-admitted market allows. Final pricing is determined at the quote stage based on the specific risk characteristics submitted. Agents receive an exact premium before committing to a bind, with no obligation to proceed.

There is no cost to create a Pathpoint account or to submit risks for quoting in New York. Agents earn standard retail commission on bound policies. The 3.6% surplus lines tax is calculated automatically, disclosed at checkout, and remitted to the state through ELANY. No separate tax payment or filing action is required from the agent or their agency.

Frequently Asked Questions: E&S Insurance in New York

Pathpoint currently offers 11 Excess and Surplus (E&S) product lines in New York covering 338+ class codes. The lineup spans LRO, Monoline Property, Contractors, Vacant Building, Vacant Land, Retail and Services, LRO Excess, Restaurants, Manufacturing, Cyber, and Contractors Excess. All 11 product lines are configured as instant-quotable in New York. Approximately 39.3% of individual submissions are still referred based on specific risk characteristics, but no product line is restricted to referred-only placement.

New York's surplus lines tax rate is 3.6%. All placements must be filed through ELANY (Excess Line Association of New York), the state's designated stamping office. Pathpoint calculates the 3.6% tax automatically at checkout and files electronically with ELANY as part of the binding workflow. The retail agent does not need to interact with ELANY directly or submit a separate filing. The tax is disclosed on the quote before binding and remitted to the state by Pathpoint on the agent's behalf.

60.7% of New York submissions on Pathpoint receive an instant, bindable quote with a median turnaround of 14 seconds. Agents can submit a risk, receive a quote, bind, and get policy documents in a single session for most accounts. For the remaining approximately 39.3% of submissions that are referred for manual underwriting, Pathpoint's brokerage team returns a quote within a median of 42.4 hours, roughly 1.8 business days. Referred quotes arrive in the same platform portal and can be bound with the same workflow.

No. Retail agents do not need a surplus lines license to quote or bind E&S coverage in New York through Pathpoint. Pathpoint holds the surplus lines broker license and acts as the broker of record on all New York placements, managing ELANY filings, diligent search documentation, and tax remittance. Agents earn standard retail commission on every bind. There is no subscription fee, per-submission charge, or minimum volume requirement to access the platform.

Pathpoint routes New York submissions through 15 carrier partners: 14 domestic surplus lines insurers and 1 Lloyd's of London syndicate. Carrier selection is automated based on class code, coverage limits, location, loss history, and real-time appetite data. Agents do not need to select a carrier at submission. When multiple carriers can accommodate a risk, the platform returns the most competitive quote. The carrier panel covers all 11 New York product lines and is continuously expanded as new appetite relationships are developed.

A referred submission means the platform has routed the file to Pathpoint's brokerage team for manual underwriting rather than returning an automated quote. This can happen because of risk characteristics like high limits, adverse loss history, or unusual class codes, even for product lines that are generally instant-quotable. In New York, referred submissions receive a quote within a median of approximately 42.4 hours. The agent does not need to resubmit or take any additional action. The referred quote appears in the same portal and can be bound with the same one-click workflow.

The average bound premium across all New York E&S placements on Pathpoint is $4,078. By product line, LRO averages $5,173 with a typical range of $2,226 to $6,882. Monoline Property averages $4,108 with a typical range of $1,995 to $5,159. Contractors averages $3,220 with a typical range of $1,326 to $3,672. All premiums include a 3.6% surplus lines tax applied at checkout. Final pricing is determined at the quote stage based on specific risk details, with no obligation to bind after receiving a quote.

New York requires all surplus lines placements to be filed with ELANY (Excess Line Association of New York). Pathpoint files electronically with ELANY as an integrated part of the binding process. When an agent binds a policy on the platform, the ELANY filing is triggered automatically. The agent does not need to create an ELANY account, submit forms separately, or track filing deadlines. Pathpoint also automates the diligent search documentation required by New York, which requires evidence of 3 declinations from admitted carriers before a surplus lines placement can proceed.