Last updated June 23, 2026

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

Pathpoint offers 12 Excess and Surplus (E&S) product lines in Pennsylvania covering 263+ class codes, including LRO, Contractors, and Monoline Property. 68.4% of submissions receive an instant, bindable quote in roughly 180 seconds. The platform partners with 18 carriers, handles all Pennsylvania surplus lines compliance automatically, including tax calculation at 3.0% and diligent search documentation, with an average bound premium of $3,009 across all product lines.

Key Takeaways

12 E&S product lines covering 263+ class codes in Pennsylvania
68.4% of submissions receive instant, bindable quotes in ~180 seconds
18 carrier partners active in Pennsylvania across all product lines
Surplus lines tax of 3.0%, calculated and filed automatically at bind
Average bound premium of $3,009 across all Pennsylvania product lines

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

Pennsylvania agents on Pathpoint can quote 12 Excess and Surplus (E&S) product lines spanning 263+ class codes. The full lineup: LRO (20 class codes), Contractors (109), Vacant Building (3), Vacant Land (2), Restaurants (19), Contractors Excess (68), Retail and Services (27), LRO Excess (13), Churches (2), and Manufacturing (30). LRO leads bind volume with 295 binds in the trailing 12 months, followed by Contractors (209) and Monoline Property (136). Those three lines carry strong appetite and consistently competitive pricing across the carrier panel.

All 12 product lines in Pennsylvania are instant-quotable, so there are no purely referred lines. Agents submit a risk and the platform routes it to carrier integrations in real time, returning a bindable quote in a single session for the majority of submissions. The 31.6% of submissions that are referred go to Pathpoint's brokerage team, which typically resolves them within about 32 hours.

Full class list · Ranked by bind volume

#	Product	Class Codes	Top Classes	Quote Type	Appetite
1	LRO	20	Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit; Apartment Buildings; Apartment Buildings–Garden; Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured–Other Than Not-For-Profit	⚡ Instant	Strong
2	Contractors	109	Contractors–Subcontracted Work–In Connection with Building Construction…One- or Two-Family Dwellings; Remodeling Contractor; Roofing–Residential–Three Stories and Under; Siding Installation	⚡ Instant	Strong
3	Monoline Property	N/A	Apartment Buildings; Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit; Apartment Buildings–Garden; Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured–Other Than Not-For-Profit	⚡ Instant	Active
4	Vacant Building	3	Vacant Buildings–Not Factories–Other Than Not-For-Profit	⚡ Instant	Active
5	Vacant Land	2	Vacant Land–Other Than Not-For-Profit; Vacant Land–Not-For-Profit Only	⚡ Instant	Strong
6	Restaurants	19	Restaurants–with Sale of Alcoholic Beverages 30–75% of receipts–without Dance Floor; Restaurants–No Alcohol–without Table Service with Seating; Restaurants–Alcohol ≥75% of receipts–Bar Service Only; Restaurants–Bring Your Own Alcohol–with Table Service	⚡ Instant	Strong
7	Contractors Excess	68	Plumbing–Commercial and Industrial; Contractors–Subcontracted Work…Not Buildings; Remodeling Contractor; Debris Removal–Construction Site	⚡ Instant	Active
8	Retail & Services	27	Beauty Parlors and Hair Styling Salons; Grocery Stores; Nail Salons; Barber Shops	⚡ Instant	Active
9	LRO Excess	13	Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured; Apartment Buildings	⚡ Instant	Active
10	Cyber	N/A	Insurance Agencies and Brokerages	⚡ Instant	Active
11	Churches	2	Churches or Other Houses of Worship	⚡ Instant	Strong
12	Manufacturing	30	N/A (zero binds in T12M)	⚡ Instant	Emerging

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

68.4% of account submissions in Pennsylvania receive an instant, bindable quote. The typical turnaround for those instant quotes is about 180 seconds, roughly 3 minutes from submission to a quote an agent can act on. That speed lets agents submit, review pricing, bind, and receive policy documents in a single working session without waiting on manual review. The platform routes each submission simultaneously to all applicable carriers, so agents often see multiple competitive quotes at once.

For submissions that do not qualify for instant pricing, about 31.6% in Pennsylvania, Pathpoint's brokerage team picks up the risk and shops it manually across the carrier panel. The median resolution time for referred submissions is approximately 31.9 hours. Agents go through the same workflow throughout: submit once, and Pathpoint handles carrier communication, negotiation, and quote delivery. No follow-up calls or separate market submissions are required.

Which carriers are available in Pennsylvania?

18 carriers quoted Pennsylvania risks on Pathpoint in the trailing 12 months: AU Gold, At-Bay, Ategrity, Ategrity SMB, Baleen Specialty, Crum and Forster, Crum and Forster SMB, Kinsale, LIO, MUSIC, Markel, NEC Specialty, Nautilus, Penn-America, The Hartford, Vave, West Congress, and Westchester. The platform evaluates each submission against carrier appetite by class code, location, risk size, and loss history, routing simultaneously to all applicable carriers to surface the most competitive options.

Those 18 carriers collectively cover all 12 Pennsylvania product lines, from LRO and Contractors to Cyber, Churches, and Manufacturing. Where multiple carriers support the same product line, agents receive competing quotes in a single session. Pathpoint continually expands carrier relationships in Pennsylvania. The current panel reflects active quoting and binding activity over the most recent 12-month period.

Where is Pathpoint's appetite strongest in Pennsylvania?

Pathpoint organizes product lines into three appetite tiers based on bind rates and quoting activity. Five Pennsylvania lines carry strong (high) appetite: LRO, Contractors, Vacant Land, Restaurants, and Churches. These lines show the highest account quote rates in the state, the most competitive carrier pricing, and the deepest class code coverage. LRO alone covers 20 class codes and led all Pennsylvania product lines in bind volume over the last 12 months.

Six product lines fall in the active (mid) tier: Monoline Property, Vacant Building, Contractors Excess, Retail and Services, LRO Excess, and Cyber. Pathpoint quotes and binds these risks regularly, though selectivity is higher than in the strong tier. Manufacturing is the single emerging-tier line in Pennsylvania, with 26 account submissions in the trailing 12 months and no binds yet. Pathpoint is actively expanding carrier partnerships for Manufacturing in the state.

What are the surplus lines requirements in Pennsylvania?

Pennsylvania's surplus lines tax rate is 3.0%, applied to the net premium at bind. Pennsylvania has no surplus lines stamping office. Pathpoint files all required surplus lines documentation electronically as part of the binding process, with no additional step required from the retail agent. Tax is calculated automatically at checkout and passed through to the insured as part of the policy cost.

Pennsylvania's specific diligent search requirement should be confirmed with the PA Insurance Department, as a verified declination-count threshold was not available from a cited source at the time of this data pull. Pathpoint automates the diligent search documentation workflow regardless, generating and retaining the required records at bind. Filing follows the federal Nonadmitted and Reinsurance Reform Act (NRRA) home-state rule, meaning Pennsylvania requirements apply whenever PA is the insured's home state.

Surplus Lines Tax: 3.0%
Stamping Office: None
Diligent Search: unknown
Filing Method: Home state

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

Quoting E&S in Pennsylvania on Pathpoint follows four steps. First, submit the risk by entering the insured's information, class code, and coverage parameters. Second, receive quotes: 68.4% of Pennsylvania submissions return instant, bindable results in about 180 seconds as the platform routes simultaneously to all applicable carriers. Third, bind by selecting a quote and confirming coverage. Pathpoint handles all surplus lines filings electronically, calculates the 3.0% Pennsylvania tax, and generates the required documentation automatically. Fourth, policy documents are issued and delivered.

No surplus lines license is required to use Pathpoint in Pennsylvania. Pathpoint acts as broker of record on all transactions, carrying the licensing obligations so retail agents can access the E&S market through a standard retail appointment. Agents earn standard retail commission. There is no cost to create an account or submit risks, and agents pay nothing unless a bind occurs.

What does E&S insurance cost in Pennsylvania?

The average bound premium across all Pennsylvania E&S product lines on Pathpoint is $3,009 in the trailing 12 months. Premiums vary by product line and risk characteristics. The three highest-volume lines break down as follows: LRO averages $3,700 (25th to 75th percentile range: $1,247 to $4,614), Contractors averages $2,154 ($650 to $2,376), and Monoline Property averages $3,203 ($1,563 to $4,242). Class code, coverage limits, building age, loss history, and location all influence final pricing.

E&S premiums tend to run higher than admitted market rates because surplus lines carriers take on risks that standard markets decline, including harder occupancies, unusual construction, prior losses, or atypical coverage needs. Pathpoint's multi-carrier platform helps counterbalance that by surfacing competing quotes from all 18 active Pennsylvania carriers in a single submission. Exact premium figures are generated at the quote stage with no obligation to bind.

There is no fee to access Pathpoint or submit risks. Agents earn standard retail commission on bound policies. Pennsylvania's 3.0% surplus lines tax is calculated automatically at checkout and shown as a line item before bind, so agents and insureds see the full cost before committing.

Frequently Asked Questions: E&S Insurance in Pennsylvania

Pathpoint supports 12 E&S product lines in Pennsylvania covering 263+ class codes. All 12 lines are instant-quotable, meaning the platform routes submissions to carriers in real time and returns bindable results, typically in about 180 seconds for the 68.4% of accounts that qualify for instant quoting. Product lines include LRO, Contractors, Monoline Property, Restaurants, Contractors Excess, Retail and Services, LRO Excess, Cyber, Vacant Building, Vacant Land, Churches, and Manufacturing.

Pennsylvania's surplus lines tax rate is 3.0% of net premium. The state has no surplus lines stamping office, so there is no separate stamping fee or additional filing step required. Pathpoint calculates the 3.0% tax automatically at checkout and handles all required surplus lines documentation electronically as part of binding. The tax appears as a line item before bind confirmation and is passed through to the insured as part of the total policy cost.

For the 68.4% of Pennsylvania submissions that receive instant quotes, the typical turnaround is about 180 seconds, roughly 3 minutes from submission to a bindable result. The platform routes each submission simultaneously to all applicable carriers, so agents often see multiple competing quotes at once. For the remaining submissions, Pathpoint's brokerage team handles manual placement and typically returns a quote within about 32 hours. The agent workflow is the same either way: submit once and wait for results.

No. Pathpoint serves as the licensed surplus lines broker of record on all Pennsylvania transactions. Retail agents access the E&S market through a standard retail appointment with Pathpoint, with no separate surplus lines license required. Agents earn standard retail commission on bound policies. There is no fee to create an account or submit risks. Pathpoint carries all licensing obligations and handles compliance filings, so retail agents can focus on placing business.

18 carriers actively quoted Pennsylvania risks on Pathpoint in the trailing 12 months: AU Gold, At-Bay, Ategrity, Ategrity SMB, Baleen Specialty, Crum and Forster, Crum and Forster SMB, Kinsale, LIO, MUSIC, Markel, NEC Specialty, Nautilus, Penn-America, The Hartford, Vave, West Congress, and Westchester. The platform routes each submission to all carriers whose appetite matches the class code, location, and risk profile, so most Pennsylvania submissions see multiple quotes. Carrier relationships are expanded continuously as the Pennsylvania book grows.

All 12 Pennsylvania product lines on Pathpoint are instant-quotable, meaning none are purely referred. However, individual submissions within any product line may be flagged for manual review based on risk characteristics, such as unusual class codes, prior losses, or coverage requests that fall outside carrier appetite rules. When that happens, Pathpoint's brokerage team takes over, shops the risk manually across the carrier panel, and typically returns a quote within about 32 hours. The agent does not need to resubmit or contact carriers directly.

The average bound premium across all Pennsylvania E&S product lines on Pathpoint is $3,009. By product line: LRO averages $3,700 (typical range $1,247 to $4,614), Contractors averages $2,154 ($650 to $2,376), and Monoline Property averages $3,203 ($1,563 to $4,242). Actual premiums depend on class code, coverage limits, location, building characteristics, and loss history. There is no cost to submit. Exact pricing is generated at the quote stage with no obligation to bind.

Pathpoint automates all surplus lines compliance for Pennsylvania transactions. At bind, the platform calculates the 3.0% surplus lines tax, generates the required diligent search documentation, and files all regulatory paperwork electronically. Pennsylvania has no stamping office, so there is no additional filing step or fee beyond the state tax. Filing follows the federal Nonadmitted and Reinsurance Reform Act (NRRA) home-state rule. Retail agents do not need to track or submit any compliance documents. Pathpoint handles it end to end as part of the standard bind workflow.