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

Pathpoint offers 12 Excess and Surplus (E&S) product lines in Virginia covering 239+ class codes, including Contractors, Lessor's Risk Only (LRO), and Monoline Property. 63.9% of submissions receive an instant, bindable quote, typically in about 169 seconds. The platform partners with 15 carriers, handles all Virginia surplus lines compliance automatically with tax calculation at 2.25% and diligent search documentation, and posts an average bound premium of $3,296 across all product lines.

Key Takeaways

  • 12 E&S product lines covering 239+ class codes in Virginia
  • 63.9% of submissions receive instant, bindable quotes in ~169 seconds
  • 15 carrier partners active in Virginia across all product lines
  • Surplus lines tax of 2.25%, calculated and filed automatically at bind
  • Average bound premium of $3,296 across all Virginia product lines

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

Virginia agents on Pathpoint can currently quote 12 Excess and Surplus (E&S) product lines covering 239+ class codes. Contractors leads the state by bind volume with 105 class codes, followed by LRO (Lessor's Risk Only) with 20 and Monoline Property (standalone commercial property, no class codes required). The full lineup also includes Contractors Excess (67 class codes), Retail & Services (25), Manufacturing (18), Restaurants (12), LRO Excess (7), Vacant Building (3), Vacant Land (2), and Churches (1). Contractors, LRO, and Monoline Property rank as the top three product lines by bind volume, and Contractors, LRO, Restaurants, Manufacturing, and Churches all carry strong appetite in the state.

All 12 product lines are instant-quotable at the product level, meaning each one returned at least one automated, bindable quote during the trailing 12 months, so Virginia currently has no product lines limited to manual-only placement. That does not mean every submission auto-quotes. At the account level, 63.9% of Virginia submissions clear automated underwriting for an instant quote, with the remaining accounts referred to Pathpoint's brokerage team for manual placement, at a median turnaround of about 43.9 hours.

Full class list · Ranked by bind volume
#ProductClass CodesTop ClassesQuote TypeAppetite
1Contractors105Remodeling Contractor; Roofing–Residential–Three Stories and Under; Contractors–Subcontracted Work–One- or Two-Family Dwellings; Siding Installation; Tree Pruning/Trimming⚡ InstantStrong
2LRO20Buildings/Premises–Bank or Office–LRO–Other Than Not-For-Profit; Apartment Buildings–Garden; Buildings/Premises–LRO–Maintained by the Insured; Apartment Buildings; Vacation Rentals⚡ InstantStrong
3Monoline PropertyN/AApartment Buildings–Garden; Buildings/Premises–LRO–Other Than Not-For-Profit; Buildings/Premises–LRO–Maintained by the Insured; Apartment Buildings; Vacation Rentals⚡ InstantActive
4Contractors Excess67Contractors–Subcontracted Work–Building Construction; Janitorial Services; Contractors–Subcontracted Work–One- or Two-Family Dwellings; Lawn Care Services; Solar Energy Contractors⚡ InstantActive
5Vacant Building3Vacant Buildings–Not Factories–Other Than Not-For-Profit⚡ InstantActive
6Restaurants12Restaurants–Alcohol <30% Receipts–With Table Service; Restaurants–Alcohol <30%–Without Table Service; Restaurants–No Alcohol–With Table Service⚡ InstantStrong
7Manufacturing18Cosmetics Mfg.; Candle Mfg.; Electrical Equipment Mfg.; Food Products Mfg.–Dry; Beverage Bottler–Soft Drinks–Non-Carbonated⚡ InstantStrong
8Vacant Land2Vacant Land–Other Than Not-For-Profit⚡ InstantActive
9Churches1Churches or Other Houses of Worship⚡ InstantStrong
10Retail & Services25Grocery Stores⚡ InstantActive
11LRO Excess7Buildings/Premises–LRO–Maintained by the Insured⚡ InstantEmerging
12CyberN/AN/A (0 binds in T12M)⚡ InstantEmerging

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

63.9% of Virginia submissions receive an instant quote, with a median turnaround of about 169 seconds, roughly three minutes. Once an agent submits a risk, the platform checks it against the appetite of Pathpoint's 15 active carriers in real time, and for submissions that clear automated underwriting, a bindable quote returns before the agent leaves the page. That means an agent can submit a risk, receive a quote, bind the policy, and issue documents in a single sitting, without waiting on a call back or a separate underwriting review.

For the remaining Virginia submissions, referral to Pathpoint's brokerage team takes a median of about 43.9 hours, just under two days, to resolve. Referred submissions use the same single workflow as instant ones. The agent submits the risk once, tracks status on the platform, and receives the quote without switching tools or re-entering information anywhere else. The only difference between an instant and a referred submission is turnaround time, not the process the agent follows or the support available along the way.

Which carriers are available in Virginia?

15 carriers quoted Virginia risks on Pathpoint in the trailing 12 months: AU Gold, At-Bay, Ategrity SMB, Baleen Specialty, Crum & Forster, District Cover, Kinsale, LIO, MUSIC, Markel, Nautilus, Penn-America, The Hartford, Vave, and Westchester. None of these carriers appear in Pathpoint's roster as a named Lloyd's of London syndicate. The platform evaluates each submission against carrier appetite by class code, location, risk size, and loss history, routing simultaneously to every eligible carrier so agents see competing options rather than a single quote.

Carrier coverage spans all 12 Virginia product lines, from Contractors (105 class codes) and Contractors Excess (67) down to smaller lines like Vacant Land (2) and Churches (1). When more than one carrier is eligible for a submission, Pathpoint returns multiple competing quotes so agents can compare pricing and terms before binding rather than working a single offer. Pathpoint continues to add carrier relationships in Virginia, particularly for the emerging-appetite lines LRO Excess and Cyber, where quote rates currently trail the rest of the panel.

Where is Pathpoint's appetite strongest in Virginia?

Pathpoint groups Virginia product lines into three appetite tiers based on account quote rate: high (70% or above), mid (40% to 70%), and emerging (below 40% or fewer than 5 binds). Five product lines carry high appetite: Contractors (89.7% quote rate, 235 bound policies), LRO (93.7%, 59 bound), Restaurants (82.9%), Manufacturing (73.3%), and Churches (76.5%). These lines see the fastest quote turnaround and the most competitive pricing because carrier appetite and bind history are both strong.

Five more lines sit in the mid, or active, tier: Monoline Property (43.4% quote rate), Contractors Excess (64.0%), Vacant Building (48.4%), Vacant Land (60.0%), and Retail & Services (50.0%). These lines still bind regularly but see more submissions referred for manual review. The remaining two, LRO Excess (21.4% quote rate) and Cyber (zero binds in the trailing 12 months), sit in the emerging tier. Pathpoint is actively growing carrier partnerships in both to raise quote rates over time.

What are the surplus lines requirements in Virginia?

Virginia charges a 2.25% surplus lines premium tax on every Excess and Surplus (E&S) policy placed in the state. Virginia has no surplus lines stamping office, so Pathpoint files all required surplus lines documentation electronically as part of binding rather than routing paperwork through a separate office. The tax calculation and filing happen automatically once a policy binds, so the agent never has to track a filing deadline or submit paperwork to a state office separately.

Virginia requires a diligent search showing that coverage is unavailable from admitted markets before a risk can be placed in the surplus lines market, though the state sets no fixed declination count, so the broker must exercise diligent effort rather than clear a specific number of prior admitted-market rejections. Pathpoint automates this documentation as part of the submission process and calculates the 2.25% tax at checkout. Filing follows the home state method under the Nonadmitted and Reinsurance Reform Act (NRRA), meaning Virginia-domiciled risks file and pay tax through Virginia regardless of where exposures are located.

Surplus Lines Tax
2.25%
Stamping Office
None
Diligent Search
Diligent effort required (no fixed declination count)
Filing Method
Home state

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

Quoting E&S in Virginia follows four steps. First, an agent submits risk information for the account. Second, the platform routes the submission to eligible carriers, returning a quote instantly for the 63.9% of accounts that clear automated underwriting, typically in about 169 seconds, or referring the rest to Pathpoint's brokerage team for a median turnaround of 43.9 hours. Third, the agent orders the bind, and Pathpoint handles all required surplus lines filings electronically since Virginia has no stamping office. Fourth, policy documents issue with the 2.25% surplus lines tax applied automatically at checkout.

Agents do not need a Virginia surplus lines license to quote or bind through Pathpoint. Pathpoint acts as the broker of record on every placement, handling carrier relationships, compliance, and filings so the agent's own agency retains the client relationship throughout the transaction. Agents earn a standard retail commission on bound business, and there is no cost to create a Pathpoint account, submit risks, or receive quotes at any point in the process, whether the submission ends up instant-quoted or referred.

What does E&S insurance cost in Virginia?

The average bound premium across all Virginia Excess and Surplus (E&S) product lines is $3,296, based on trailing 12-month bind data. Pricing varies by product line, not by a flat statewide rate. Contractors averages $3,000 with a typical range of $974 to $3,500 across 235 bound policies, LRO averages $3,422 with a typical range of $634 to $4,704 across 59 bound policies, and Monoline Property averages $5,389 with a typical range of $1,941 to $6,892 across 34 bound policies.

E&S premiums run higher than admitted market rates because surplus lines carriers take on risks that standard carriers decline, from higher-hazard construction classes to properties with prior losses. Pathpoint's multi-carrier platform keeps pricing competitive by routing each submission to every eligible carrier and returning the most competitive quote rather than a single offer. Exact pricing depends on class code, coverage limits, risk size, and loss history, and agents see the final number at the quote stage with no obligation to bind.

There is no cost to create a Pathpoint account, submit a risk, or receive a quote in Virginia. Agents earn a standard retail commission on every bound policy, the same as they would through a traditional wholesale broker relationship. Because Virginia has no stamping office, there is no separate stamping fee layered on top of the state's surplus lines tax. The 2.25% Virginia surplus lines tax applies automatically at checkout and passes through to the insured as part of the total premium, with no manual tax calculation required from the agent.

Frequently Asked Questions: E&S Insurance in Virginia

12 Excess and Surplus (E&S) product lines are quotable in Virginia, covering 239+ class codes. All 12 are instant-quotable at the product level, led by Contractors (105 class codes), LRO (20), and Monoline Property. The full lineup also includes Contractors Excess, Retail & Services, Manufacturing, Cyber, Restaurants, LRO Excess, Vacant Building, Vacant Land, and Churches. At the account level, 63.9% of submissions clear automated underwriting for an instant quote, with the rest referred to Pathpoint's brokerage team for manual placement.
Virginia's surplus lines premium tax rate is 2.25%. Virginia has no surplus lines stamping office, so Pathpoint files all required documentation electronically as part of binding rather than through a separate filing office. The tax is calculated automatically at checkout and passed through to the insured, with no manual work required from the agent.
63.9% of Virginia submissions receive an instant, bindable quote in a median of about 169 seconds, roughly three minutes. Submissions that don't clear automated underwriting are referred to Pathpoint's brokerage team, with a median referral turnaround of about 43.9 hours. Both paths use the same submission workflow, so the agent experience is identical either way.
No. Pathpoint acts as the broker of record on every Virginia placement, so agents don't need their own surplus lines license to quote, bind, or issue a policy. Agents earn a standard retail commission on bound business, and there is no cost to create an account, submit risks, or receive quotes at any point in the process.
15 carriers quoted Virginia risks on Pathpoint in the trailing 12 months, including AU Gold, At-Bay, Crum & Forster, Kinsale, Markel, Nautilus, Penn-America, The Hartford, and Westchester, among others. None are named Lloyd's of London syndicates in Pathpoint's roster. The platform routes each submission to every eligible carrier based on class code, location, risk size, and loss history, so agents can compare competing quotes rather than a single offer.
All 12 Virginia product lines on Pathpoint are instant-quotable, meaning none are purely referred. However, individual submissions within any product line can still be flagged for manual review based on risk specifics, such as unusual class codes, prior losses, or coverage requests outside carrier appetite rules. When that happens, Pathpoint's brokerage team shops the risk across the carrier panel and typically returns a quote in a median of about 43.9 hours. The agent does not need to resubmit or contact carriers directly.
The average bound premium across all Virginia product lines is $3,296. Pricing varies by line: Contractors averages $3,000 (typical range $974 to $3,500), LRO averages $3,422 ($634 to $4,704), and Monoline Property averages $5,389 ($1,941 to $6,892). Exact pricing depends on class code, limits, risk size, and loss history, and agents see the final number at the quote stage with no obligation to bind.
Pathpoint automates all surplus lines compliance for Virginia transactions. At bind, the platform calculates the 2.25% surplus lines tax, generates the required diligent search documentation, and files all regulatory paperwork electronically. Virginia 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, and agents do not need to track or submit any compliance documents themselves.
FAQs