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

Pathpoint offers 13 Excess and Surplus (E&S) product lines in Texas covering 357+ class codes, including Contractors, Monoline Property, and Lessor's Risk Only (LRO). 70% of submissions receive an instant, bindable quote. The platform partners with 29+ carriers, handles all Texas surplus lines compliance automatically, including tax calculation at 4.85%, diligent search documentation, and Surplus Lines Stamping Office of Texas (SLTX) filings, with an average bound premium of $4,314 across all product lines.

Key Takeaways

  • 13 E&S product lines covering 357+ class codes in Texas
  • 70% of submissions receive instant, bindable quotes
  • 29+ carrier partners including domestic surplus lines insurers
  • Surplus lines tax of 4.85%, calculated and filed automatically at bind through the SLTX stamping office
  • Average bound premium of $4,314 across all Texas product lines

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

Texas agents on Pathpoint can quote 13 Excess and Surplus (E&S) product lines covering 357+ class codes. The full lineup includes Contractors (120 class codes), Lessor's Risk Only or LRO (20), Contractors Excess (108), Vacant Building (3), Vacant Land (2), Restaurants (17), Retail and Services (31), Manufacturing (39), LRO Excess (15), and Churches (4). Contractors leads by bind volume with 1,032 bound policies in the trailing 12 months, followed by Monoline Property at 879 and LRO at 799. All three carry high appetite ratings.

Of the 13 product lines, 10 (77%) are instant-quotable, meaning carriers return a bindable premium automatically without manual underwriter involvement. The remaining 3, Manufacturing, Monoline Wind, and Churches, go to Pathpoint's brokerage team for manual placement. Referred submissions are returned within a median of about 20 hours of elapsed time, after which the quote arrives through the same Pathpoint workflow.

Full class list · Ranked by bind volume
#ProductClass CodesTop ClassesQuote TypeAppetite
1Contractors120Contractors–Subcontracted Work–1-2 Family Dwellings, Contractors–Subcontracted Work–Buildings, Remodeling Contractor, Contractors–Subcontracted Work–Not Buildings, Contractors–Executive Supervisors⚡ InstantStrong
2Monoline PropertyN/ABank/Office/Mercantile/Mfg LRO, Dwellings–One-Family LRO, Apartment Buildings–Garden, Bank/Office/Mercantile/Mfg LRO–Maintained by Insured, Dwellings–Four-Family LRO⚡ InstantStrong
3LRO20Bank/Office/Mercantile/Mfg LRO, Bank/Office/Mercantile/Mfg LRO–Maintained by Insured, Apartment Buildings–Garden, Dwellings–One-Family LRO, Apartment Buildings⚡ InstantStrong
4Contractors Excess108Contractors–Subcontracted Work–1-2 Family Dwellings, Contractors–Subcontracted Work–Buildings, Contractors–Executive Supervisors, Contractors–Subcontracted Work–Not Buildings, Remodeling Contractor⚡ InstantStrong
5Vacant Building3Vacant Buildings–Not Factories, Vacant Buildings–Not Factories–Not-For-Profit⚡ InstantStrong
6Vacant Land2Vacant Land, Vacant Land–Not-For-Profit⚡ InstantStrong
7Restaurants17Restaurants–No Alcohol–Table Service, Restaurants–30-75% Alcohol–No Dance Floor, Restaurants–<30% Alcohol–Table Service, Restaurants–No Alcohol–No Seating, Restaurants–No Alcohol–Seating No Table Service⚡ InstantStrong
8Retail & Services31Convenience Stores–No Gas/Carwash/Restaurant, Beverage Stores–Liquor/Wine, Grocery Stores, Self-Service Laundries/Dry Cleaners, Laundry/Dry Cleaning Stores⚡ InstantStrong
9Manufacturing39Cosmetics Mfg, Food Products Mfg–Dry, Food Products Mfg–Glass Containers, Food Products Mfg–Other Containers, Manufacturers↗ ReferredStrong
10Monoline WindN/ABank/Office/Mercantile/Mfg LRO–Maintained by Insured, Dwellings–One-Family LRO, Bank/Office/Mercantile/Mfg LRO, Hardware Stores, Restaurants–<30% Alcohol–Table Service↗ ReferredEmerging
11LRO Excess15Apartment Buildings–Garden, Bank/Office/Mercantile/Mfg LRO–Maintained by Insured, Bank/Office/Mercantile/Mfg LRO, Apartment Buildings, Dwellings–Four-Family LRO⚡ InstantStrong
12CyberN/ACustom Computer Programming Services, Computer Systems Design Services, Financial Transactions Processing, Fire Protection, Marketing Consulting Services⚡ InstantStrong
13Churches4Churches or Other Houses of Worship↗ ReferredStrong

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

70% of Texas account submissions receive an instant quote via direct carrier integrations. For those 10 instant-quotable product lines, the platform evaluates the risk, routes it to available carriers, and returns a bindable premium automatically with no underwriter wait. Agents can submit, review quotes, bind, and receive policy documents in a single session. That speed matters most on high-volume lines like Contractors and LRO, where competitive placement windows are narrow.

For referred submissions, specifically Manufacturing, Monoline Wind, and Churches, Pathpoint's brokerage team reviews the risk, shops it across the carrier panel, and returns a quote within a median of about 20 hours. The agent experience is the same: the quote arrives in the Pathpoint dashboard and can be bound with the same workflow. No separate surplus lines license is needed regardless of whether the quote is instant or referred.

Which carriers are available in Texas?

29 distinct carriers quoted at least one Texas risk in the trailing 12 months, all classified as domestic surplus lines insurers. No Lloyd's of London syndicates appear in the Texas panel. By quote volume, the top five are Westchester, Nautilus, Vave, The Hartford, and Crum and Forster. Additional carriers include Markel, Baleen Specialty, Penn-America, Velocity Risk Underwriters, Kinsale, At-Bay, and others. When a submission is eligible for multi-carrier quoting, the platform evaluates each carrier's appetite by class code, location, risk size, and loss history and returns the available options simultaneously.

The 29-carrier panel spans all 13 Texas product lines: Contractors (120 class codes), LRO (20), Contractors Excess (108), Vacant Building (3), Vacant Land (2), Restaurants (17), Retail and Services (31), Manufacturing (39), LRO Excess (15), and Churches (4). Pathpoint continues to add carrier relationships to deepen appetite and sharpen pricing competition across the Texas market.

Where is Pathpoint's appetite strongest in Texas?

Pathpoint uses three appetite tiers, high, mid, and emerging, based on account-level quote rates over the trailing 12 months. In Texas, 12 of 13 product lines sit in the high tier, defined as an account quote rate at or above 50%: Contractors (86.0%), LRO (91.1%), Contractors Excess (69.6%), Vacant Building (66.2%), Vacant Land (76.4%), Restaurants (87.3%), Retail and Services (62.5%), Manufacturing (58.4%), LRO Excess (80.4%), Cyber (63.4%), Churches (71.4%), and Monoline Property (60.1%). High-tier lines carry the broadest carrier selection, highest bind rates, and most competitive pricing.

No Texas product lines currently fall in the mid tier. One line, Monoline Wind, is in the emerging tier with a 0% account-grain quote rate over the trailing 12 months. Binds do occur on Monoline Wind submissions, but quoting volume is low relative to submissions as Pathpoint builds out carrier partnerships for that line in Texas. Agents with Monoline Wind risks can still submit, and the brokerage team will work the placement manually.

What are the surplus lines requirements in Texas?

Texas imposes a 4.85% surplus lines tax on all non-admitted placements. Pathpoint calculates this tax automatically at checkout and includes it in the total premium shown to the agent, so no separate tax calculation or remittance is needed. Texas also requires surplus lines filings to be submitted to the Surplus Lines Stamping Office of Texas (SLTX). Pathpoint handles all SLTX filings electronically as part of the binding process, and agents have nothing to submit to SLTX directly.

Texas has a diligent-effort requirement for surplus lines placements, meaning agents must demonstrate that the risk was offered to the admitted market before moving it to the surplus lines market. Pathpoint generates diligent search documentation automatically as part of its workflow. Filing follows the home-state method per the Nonadmitted and Reinsurance Reform Act (NRRA), which applies when the insured's principal place of business is in Texas. All required documentation is generated and filed at bind.

Surplus Lines Tax
4.85%
Stamping Office
SLTX
Diligent Search
Diligent effort required; export list applies
Filing Method
Home state

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

Quoting E&S in Texas on Pathpoint follows four steps. First, submit risk information including class code, location, limits, and any loss history. Second, the platform routes the submission to up to 29 carriers, and 70% of Texas account submissions receive an instant, bindable quote automatically. Third, select a quote and request bind: Pathpoint handles all SLTX stamping filings and surplus lines documentation electronically as part of binding. Fourth, policy documents and binders are issued through the platform, with the 4.85% Texas surplus lines tax applied and displayed at checkout.

No surplus lines license is required to use Pathpoint in Texas. Pathpoint acts as broker of record, meaning agents can quote and bind E&S risks without holding a separate non-admitted license. Agents earn standard retail commission on every bind. There is no cost for a Pathpoint account and no per-submission fee, so quoting the 29-carrier Texas panel costs agents nothing.

What does E&S insurance cost in Texas?

The average bound premium across all Texas product lines in the trailing 12 months is $4,314, based on 3,579 binds. Costs vary by product line: Contractors averages $3,552 with a typical range of $1,040 to $4,330, Monoline Property averages $6,400 with a typical range of $1,967 to $8,293, and LRO averages $3,624 with a typical range of $501 to $4,519. Premiums are shaped by class code, coverage limits, risk size, location, and loss history. The $4,314 average reflects a broad mix of small-to-mid-market risks across all 13 product lines.

E&S premiums run higher than admitted market equivalents because surplus lines carriers accept risks that standard carriers have declined or restricted. Pathpoint's 29-carrier panel creates pricing competition on those risks, and agents see all available quotes at once to pick the best fit on coverage and cost. Exact pricing is returned at the quote stage with no obligation to bind.

There is no cost for a Pathpoint account. Agents earn standard retail commission on every bound policy. Texas's 4.85% surplus lines tax is calculated and applied automatically at checkout, displayed as a line item before the agent confirms the bind. The tax is passed through to the insured as part of the final premium.

Frequently Asked Questions: E&S Insurance in Texas

Texas agents on Pathpoint have access to 13 Excess and Surplus (E&S) product lines spanning 357+ class codes. The full lineup covers Contractors, Monoline Property, LRO, Contractors Excess, Vacant Building, Vacant Land, Restaurants, Retail and Services, Manufacturing, Monoline Wind, LRO Excess, Cyber, and Churches. Of these, 10 product lines (77%) are instant-quotable, meaning carriers return a bindable premium automatically. The remaining three product lines, Manufacturing, Monoline Wind, and Churches, go to Pathpoint's brokerage team for referred placement, with quotes returned within a median of about 20 hours.
The Texas surplus lines tax rate is 4.85%. Pathpoint calculates this automatically at checkout and displays it as part of the total premium before the agent confirms the bind. Texas also requires surplus lines filings to be submitted to the Surplus Lines Stamping Office of Texas (SLTX). Pathpoint handles all SLTX filings electronically as an integrated part of the binding process, so agents do not need to submit anything to SLTX directly. The tax is passed through to the insured as part of the final policy cost.
For the 10 instant-quotable product lines in Texas, quotes are returned automatically and agents get a bindable premium without waiting on an underwriter. 70% of Texas account submissions receive an instant quote. For the three referred lines, Manufacturing, Monoline Wind, and Churches, Pathpoint's brokerage team reviews the risk and returns a quote within a median of about 20 hours. In both cases, the quote appears in the Pathpoint dashboard and can be bound with the same workflow.
No. Pathpoint acts as broker of record for all Texas surplus lines placements, which means retail agents can access the full E&S market without holding a separate non-admitted license. Agents earn standard retail commission on every bind. There is no cost for a Pathpoint account and no per-submission fee, so the platform is free to use for quoting and binding regardless of whether the submission results in a bound policy.
29 distinct carriers quoted Texas risks in the trailing 12 months, all domestic surplus lines insurers. The highest-volume carriers by quote count are Westchester, Nautilus, Vave, The Hartford, and Crum and Forster. The panel also includes Markel, Baleen Specialty, Penn-America, Velocity Risk Underwriters, Kinsale, At-Bay, and others. Pathpoint routes each submission to eligible carriers based on class code, location, limits, and loss history, and returns all available quotes simultaneously so agents can compare options.
A referred submission means Pathpoint's brokerage team manually reviews the risk, shops it across the carrier panel, and negotiates the best available terms. In Texas, Manufacturing, Monoline Wind, and Churches are the three referred product lines. The median referral turnaround is about 20 hours of elapsed time. Once the brokerage team secures a quote, it appears in the agent's Pathpoint dashboard and can be bound using the same process as an instant quote, with the same platform and same workflow, just a longer wait for the premium.
The average bound premium across all Texas product lines in the trailing 12 months is $4,314, based on 3,579 binds. By product line: Contractors averages $3,552 with a typical range of $1,040 to $4,330; Monoline Property averages $6,400 with a typical range of $1,967 to $8,293; LRO averages $3,624 with a typical range of $501 to $4,519. Actual premiums vary by class code, coverage limits, location, risk size, and loss history. Exact pricing is returned at the quote stage with no obligation to bind, and the 4.85% surplus lines tax is added automatically at checkout.
Texas requires surplus lines policies to be filed with the Surplus Lines Stamping Office of Texas (SLTX) after binding. Pathpoint handles all SLTX filings electronically as an integrated part of the binding workflow, so agents do not need to submit anything to SLTX directly or maintain a separate filing process. This includes the stamping fee and all required policy data. The filing happens automatically when the bind is confirmed, so agents can focus on the placement rather than the compliance paperwork.
FAQs