Last updated July 8, 2026

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

Pathpoint offers 13 Excess and Surplus (E&S) product lines in Oklahoma covering 210+ class codes, including Contractors, Monoline Property, and LRO (Lessor's Risk Only). 68.9% of submissions receive an instant, bindable quote, returned automatically as soon as an agent submits complete risk details, no underwriter review required. The platform partners with 19 carriers and handles all Oklahoma surplus lines compliance automatically, including tax calculation at 6.0% and diligent search documentation, with an average bound premium of $3,700 across all product lines.

Key Takeaways

13 Excess and Surplus (E&S) product lines covering 210+ class codes in Oklahoma
68.9% of submissions receive an instant, bindable quote, returned automatically as soon as an agent submits complete risk details
19 carrier partners active in Oklahoma, including Kinsale, Markel, Crum & Forster, Beazley, and The Hartford
Surplus lines tax of 6.0%, calculated and filed automatically at bind
Average bound premium of $3,700 across all Oklahoma product lines

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

Oklahoma agents on Pathpoint can currently quote 13 product lines covering 210+ class codes: Contractors (111 class codes), Contractors Excess (57), Retail & Services (22), LRO (19), Restaurants (15), Manufacturing (14), LRO Excess (8), Vacant Building (3), Vacant Land (2), and Churches (1). Contractors leads bind volume with 181 bound policies in the trailing 12 months, followed by Monoline Property (62) and LRO (57). Contractors and LRO both carry strong appetite in the state, while Monoline Property sits in the active tier.

Of the 13 product lines, 12 (92%) are instant-quotable, meaning Pathpoint returns a bindable quote automatically without underwriter review. The remaining line, Monoline Wind, is referred to Pathpoint's brokerage team for manual placement, typically resolved within 21.4 hours, the median turnaround for Oklahoma's referred submissions. Monoline Wind is largely a bundled child line under Monoline Property, so most of its account activity is credited to the parent product rather than quoted as a standalone line.

Full class list · Ranked by bind volume

#	Product	Class Codes	Top Classes	Quote Type	Appetite
1	Contractors	111	Roofing–Residential–Three Stories and Under, Contractors–Subcontracted Work–In Connection with Building Construction, Reconstruction, Repair or Erection–One- or Two-Family Dwellings, Remodeling Contractor, Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Erection or Repair–Not Buildings, Contractors–Executive Supervisors or Executive Superintendents	⚡ Instant	Strong
2	Monoline Property	N/A	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, Apartment Buildings, Dwellings–One-Family (Lessor's Risk Only)	⚡ Instant	Active
3	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–Garden, Apartment Buildings, Parking–Private	⚡ Instant	Strong
4	Restaurants	15	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 75% or More of Total Annual Receipts of the Restaurants–Bar Service Only (No Tables): with Dance Floor, Restaurants–with Sale of Alcoholic Beverages that are 75% or More of Total Annual Receipts of the Restaurants–Bar Service Only (No Tables): without Dance Floor	⚡ Instant	Strong
5	Contractors Excess	57	Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Repair or Erection of Buildings, Contractors–Subcontracted Work–In Connection with Building Construction, Reconstruction, Repair or Erection–One- or Two-Family Dwellings, Remodeling Contractor, Carpentry–Construction of Residential Property Not Exceeding Three Stories in Height, Communication Equipment Installation–Industrial or Commercial	⚡ Instant	Strong
6	Retail & Services	22	Food Trucks and Trailers – Mobile Concessions, Antique Stores, Beverage Stores–Liquor and Wine, Grocery Stores, Laundries and Dry Cleaners–Self-Service	⚡ Instant	Strong
7	Vacant Land	2	Vacant Land–Other Than Not-For-Profit, Vacant Land–Not-For-Profit Only	⚡ Instant	Strong
8	Vacant Building	3	Vacant Buildings–Not Factories–Other Than Not-For-Profit	⚡ Instant	Active
9	Manufacturing	14	Furniture Mfg. or Assembling–Wood, Liquor Mfg.	⚡ Instant	Strong
10	LRO Excess	8	Apartment Buildings–Garden, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit	⚡ Instant	Strong
11	Monoline Wind	N/A	N/A (no standalone binds in TTM)	↗ Referred	Emerging
12	Churches	1	Churches or Other Houses of Worship	⚡ Instant	Strong
13	Cyber	N/A	Insurance Agencies and Brokerages	⚡ Instant	Emerging

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

68.9% of Oklahoma account submissions on Pathpoint receive an instant, bindable quote, returned automatically as soon as an agent submits complete risk details, with no underwriter review required. The median turnaround from submission to instant quote is about 157 seconds, so a typical Oklahoma submission moves from complete risk details to a bindable indication in well under three minutes.

Submissions that fall outside instant-quote appetite are referred to Pathpoint's brokerage team, which reviews the account manually and typically resolves it within 21.4 hours, the median turnaround across Oklahoma's referred submissions. Agents submit once and track status from the same dashboard regardless of path, then receive policy documents the same way once the account binds. There is no separate broker relationship to manage and no extra paperwork for a referred risk, only the wait for the brokerage team to finish its review.

Which carriers are available in Oklahoma?

19 distinct carriers quoted Oklahoma risks on Pathpoint in the trailing 12 months, including AU Gold, At-Bay, Ategrity, Baleen Specialty, Beazley, Crum & Forster, Kinsale, Markel, Nautilus, The Hartford, and Westchester. Pathpoint's data does not classify these carriers as domestic surplus lines insurers versus Lloyd's of London syndicates, since several write both types of paper, so that split is not published here. Instead, the platform evaluates appetite carrier by carrier, weighing class of business, location, risk size, and loss history before routing a submission.

Coverage spans all 13 product lines active in Oklahoma, from Contractors (111 class codes) down to Vacant Land (2) and Churches (1). Pathpoint can quote many of these classes across multiple carriers at once, letting an agent compare terms from a single submission without re-keying an application into separate carrier portals, and the carrier panel continues to expand as new appetite opens in Oklahoma.

Where is Pathpoint's appetite strongest in Oklahoma?

Pathpoint sorts Oklahoma product lines into three appetite tiers based on account-level quote rate. Nine of the 13 lines carry strong appetite: Contractors (87.7% account quote rate), LRO (91.6%), Restaurants (96.1%), Contractors Excess (73.3%), Retail & Services (64.5%), Vacant Land (61.5%), Manufacturing (68.8%), LRO Excess (91.7%), and Churches (61.5%). Restaurants and LRO Excess post the highest quote rates in the state, and Contractors also leads bind volume with 181 bound policies in the trailing 12 months.

Two lines sit in the active tier: Monoline Property (43.6% account quote rate) and Vacant Building (42.9%). Two more, Monoline Wind and Cyber, are in the emerging tier. Monoline Wind's 0% rate reflects that its quote activity is credited to the parent Monoline Property line rather than tracked standalone, and Cyber has just 8 account submissions in the trailing 12 months, below the 10-submission threshold Pathpoint uses to confirm a tier. Pathpoint is actively building carrier relationships in these emerging lines to convert more Oklahoma submissions into binds.

What are the surplus lines requirements in Oklahoma?

Oklahoma's surplus lines premium tax is 6.0%, applied to policies Pathpoint places outside the admitted market. Oklahoma does not operate a surplus lines stamping office, so there is no stamping fee and no separate stamping submission on any placement. Pathpoint files all required Oklahoma surplus lines documentation electronically as part of binding, which means the retail agent does not manage any filing step, track a state deadline, or remit the tax on their own. The 6.0% tax is calculated at checkout and shown before the account binds.

Oklahoma's diligent search requirement was not available from Pathpoint's data warehouse for this page, so agents should confirm the current standard with the Oklahoma Insurance Department before relying on it. Pathpoint still documents each placement as part of binding and calculates the 6.0% tax automatically at checkout. Filing follows the NRRA (Nonadmitted and Reinsurance Reform Act) home state method, meaning Oklahoma, as the insured's home state, governs tax and compliance regardless of where the risk's property sits.

Surplus Lines Tax: 6.0%
Stamping Office: None
Diligent Search: Unknown (verify with Oklahoma Insurance Department)
Filing Method: Home state

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

Quoting E&S in Oklahoma on Pathpoint follows four steps. First, an agent submits risk information through the platform. Second, Pathpoint routes the submission to carriers and returns a quote, instantly for 68.9% of submissions and within about 21.4 hours for referred accounts. Third, the agent binds the account, with Oklahoma's surplus lines filings handled electronically since the state has no stamping office. Fourth, Pathpoint issues policy documents and applies the 6.0% surplus lines tax at checkout.

Agents do not need a surplus lines license to place business in Oklahoma through Pathpoint. Pathpoint serves as the surplus lines broker of record on every placement, holding the license and taking on the compliance work, so the retail agent earns a standard commission on each bound policy without any of the filing burden. Creating a Pathpoint account carries no cost, and submitting a risk is also free, so an agent can test appetite on an Oklahoma account without committing anything.

What does E&S insurance cost in Oklahoma?

Average bound premium across all Oklahoma product lines is $3,700. Among the state's top three product lines by bind volume, Contractors averages $3,393 with a typical range of $959 to $4,401, Monoline Property averages $6,181 with a typical range of $2,574 to $7,424, and LRO averages $3,060 with a typical range of $500 to $2,500. Those ranges reflect the middle half of bound Oklahoma policies in each line. Actual premium on any single account depends on class of business, limits selected, risk size, and loss history.

E&S premiums generally run higher than admitted market rates because surplus lines carriers take on risks that standard carriers decline, including higher hazard classes and thinner loss histories. Pathpoint's multi-carrier platform quotes a submission across its panel of 19 carriers, which keeps Oklahoma pricing competitive within that surplus lines context because carriers with appetite for the class are effectively competing for the account. Exact pricing is confirmed only once a risk is quoted, and an agent takes on no obligation to bind after receiving a quote.

There is no fee to use Pathpoint. Creating an account, submitting risks, and receiving quotes all cost nothing, and the retail agent earns a standard commission on every bound policy. The 6.0% Oklahoma surplus lines tax is calculated automatically and applied at checkout, then passed through to the insured as part of the total premium, so neither the agent nor the agency absorbs it. The full cost of a placement is visible before the agent commits to binding the account.

Frequently Asked Questions: E&S Insurance in Oklahoma

Pathpoint currently supports 13 E&S product lines in Oklahoma, covering 210+ class codes. Contractors, Monoline Property, and LRO lead by bind volume, and 12 of the 13 lines, 92%, are instant-quotable directly on the platform. The remaining line, Monoline Wind, is referred to Pathpoint's brokerage team for manual placement through the same submission workflow, and most of its account activity is credited to the parent Monoline Property line.

Oklahoma's surplus lines premium tax is 6.0%. Pathpoint calculates this tax automatically and applies it at checkout, so the agent sees the full cost before binding. Oklahoma does not operate a surplus lines stamping office, so there is no separate stamping fee or filing step. Pathpoint handles all required documentation electronically as part of binding.

68.9% of Oklahoma account submissions receive an instant, bindable quote as soon as an agent submits complete risk details, with no underwriter review in the way. Submissions that need manual review are referred to Pathpoint's brokerage team, which typically returns a quote within 21.4 hours, the median turnaround for Oklahoma's referred accounts.

No. Pathpoint serves as the surplus lines broker of record on every Oklahoma placement, so a retail agent can place E&S business without holding a surplus lines license or handling the state's filings. The agent earns a standard commission on each bound policy, and there is no cost to create a Pathpoint account or submit a risk.

19 carriers quoted Oklahoma risks on Pathpoint in the trailing 12 months, including AU Gold, At-Bay, Ategrity, Baleen Specialty, Beazley, Crum & Forster, Kinsale, Markel, Nautilus, The Hartford, and Westchester. Pathpoint evaluates appetite across this panel by class of business, location, risk size, and loss history, and can return quotes from multiple carriers on a single submission.

A referred product line means Pathpoint's brokerage team reviews the account manually instead of the platform returning an automatic quote. In Oklahoma, Monoline Wind is the only referred line, and referred submissions typically clear in about 21.4 hours, the median across the state's referred accounts. Agents submit and track the account the same way regardless of path.

Average bound premium across all Oklahoma product lines is $3,700. By top product line, Contractors averages $3,393 (typical range $959 to $4,401), Monoline Property averages $6,181 (typical range $2,574 to $7,424), and LRO averages $3,060 (typical range $500 to $2,500). Actual pricing depends on class, limits, risk size, and loss history, and is confirmed at quote.