Last updated March 20, 2026

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

Pathpoint offers 12 Excess and Surplus (E&S) product lines in Connecticut covering 241+ class codes, including LRO, Contractors, and Monoline Property. 73% of submissions receive an instant, bindable quote in roughly 15 seconds. With 14+ active carriers, automated surplus lines tax calculation at 4.0% (Connecticut has no stamping office), and built-in diligent search documentation, the average bound premium across all Connecticut product lines is $3,399.

Key Takeaways

12 E&S product lines covering 241+ class codes in Connecticut
73% of submissions receive instant, bindable quotes in ~15 seconds
14+ carrier partners including 9 domestic surplus lines insurers and 3 Lloyd's syndicates
Surplus lines tax of 4.0%, filed automatically. Connecticut has no stamping office
Average bound premium of $3,399 across all Connecticut product lines

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

Connecticut agents on Pathpoint can quote 12 Excess and Surplus (E&S) product lines covering 241+ class codes. The full lineup is: LRO or Lessor's Risk Only (17 class codes), Contractors (73), Monoline Property (33), Contractors Excess (38), Vacant Building (3), Vacant Land (1), Retail and Services (16), LRO Excess (7), Restaurants (9), Manufacturing (7), Cyber (4), and Monoline Wind (33). By bind volume over the trailing 12 months, LRO leads with 182 bound policies, followed by Contractors with 170 and Monoline Property with 109. These three lines account for 90% of Connecticut E&S placements on the platform.

11 of the 12 Connecticut product lines are instant-quotable, meaning the platform returns a bindable indication in roughly 15 seconds with no underwriter involvement. The one non-instant line is Monoline Wind, which is referred to Pathpoint's brokerage team for manual placement, with quotes typically returned within 18 hours. The breadth of instant-quotable coverage spans construction, lessor's risk, commercial property, food service, cyber liability, and light manufacturing.

Full class list · Ranked by bind volume

#	Product	Class Codes	Top Classes	Quote Type	Appetite
1	LRO	17	Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit, Warehouses–Occupied by Single Interest (Lessor's Risk Only), Warehouses–Occupied by Multiple Interests (Lessor's Risk Only), Shopping Centers–Buildings or Premises Not Occupied by the Insured (Lessor's Risk Only), Apartment Buildings	⚡ Instant	Strong
2	Contractors	73	Remodeling Contractor, Roofing–Residential–Three Stories and Under, Contractors–Subcontracted Work–In Connection with Building Construction Reconstruction Repair or Erection–One- or Two-Family Dwellings, Siding Installation, Contractors–Executive Supervisors or Executive Superintendents	⚡ Instant	Strong
3	Monoline Property	33	Apartment Buildings, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit, Dwellings–One-Family (Lessor's Risk Only), Dwellings–Two-Family (Lessor's Risk Only), Apartment Buildings–Garden	⚡ Instant	Active
4	Contractors Excess	38	Contractors–Subcontracted Work–In Connection with Building Construction Reconstruction Repair or Erection–One- or Two-Family Dwellings, Carpentry–Construction of Residential Property Not Exceeding Three Stories in Height, Solar Energy Contractors, Roofing–Residential–Three Stories and Under, Carpentry–Interior	⚡ Instant	Active
5	Vacant Building	3	Vacant Buildings–Not Factories–Other Than Not-For-Profit, Vacant Buildings–Not Factories–Not-For-Profit Only	⚡ Instant	Active
6	Vacant Land	1	Vacant Land–Other Than Not-For-Profit	⚡ Instant	Strong
7	Retail & Services	16	Convenience Stores – No Gas Station, Car Wash or Restaurant	⚡ Instant	Active
8	LRO Excess	7	Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured–Other Than Not-For-Profit, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit, Dwellings–One-Family (Lessor's Risk Only)	⚡ Instant	Active
8	Restaurants	9	Restaurants–with Sale of Alcoholic Beverages that are 75% or More of Total Annual Receipts of the Restaurants–with Tables–with Dance Floor: Table Service	⚡ Instant	Strong
99	Monoline Wind	33	N/A	↗ Referred	Emerging
99	Manufacturing	7	N/A	⚡ Instant	Strong
99	Cyber	4	N/A	⚡ Instant	Emerging

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

73% of Connecticut E&S submissions on Pathpoint receive an instant, bindable quote with a median turnaround of 15 seconds. The platform evaluates each submission against all 14 active Connecticut carriers at once, returning indications automatically with no waiting period. For the 11 instant-eligible lines, including LRO, Contractors, Monoline Property, Restaurants, and Cyber, an agent can submit an account, select a quote, bind, and receive policy documents in a single session.

The remaining 27% of Connecticut submissions are referred for manual underwriting review, with quotes returned in approximately 18 hours. Referred submissions go through the same agent dashboard as instant quotes, with a notification sent when results are ready. Monoline Wind submissions are always referred in Connecticut. Other lines are referred when individual risk characteristics, such as prior losses or unusual occupancy, fall outside the instant-quote parameters.

Which carriers are available in Connecticut?

14 carriers actively quote Connecticut risks through Pathpoint: 9 domestic surplus lines insurers, 3 Lloyd's of London syndicates, and 2 specialty carriers. The domestic panel includes Kinsale, Nautilus, Westchester, Penn-America, Crum and Forster, The Hartford, Markel, Vave, and Baleen Specialty. Lloyd's syndicates Ategrity, Ategrity SMB, and LIO cover select product lines. AU Gold and At-Bay for cyber round out the 14-carrier panel. Every submission is routed to all eligible carriers at once based on product line, class code, and risk profile, so agents get competing indications from a single submission.

The 14-carrier panel collectively covers all 12 Connecticut product lines across 241+ class codes. Most product lines receive quotes from multiple carriers on a single submission, giving agents real pricing competition rather than a take-it-or-leave-it indication. Pathpoint adds carrier relationships on an ongoing basis, and coverage breadth across Connecticut product lines has expanded every year since the platform launched.

Where is Pathpoint's appetite strongest in Connecticut?

Appetite on Pathpoint is measured by account quote rate, the percentage of submitted accounts that receive at least one bindable indication. 5 Connecticut product lines carry strong appetite, defined as an 80% or higher account quote rate: LRO (93.3%), Manufacturing (88.9%), Restaurants (84.2%), Vacant Land (82.4%), and Contractors (82.0%). These five lines produce the highest bind volumes and most competitive pricing, spanning lessor's risk, commercial construction, food service, light manufacturing, and vacant land.

5 more product lines fall into the active tier with account quote rates between 50% and 79%: Retail and Services (74.5%), Contractors Excess (69.2%), LRO Excess (61.9%), Vacant Building (59.8%), and Monoline Property (57.7%). These lines are consistently quoted but carry more carrier-specific underwriting criteria. 2 product lines are emerging: Cyber (25.0% quote rate) and Monoline Wind (0% in Connecticut, where the line is currently unavailable for quoting). Pathpoint is expanding carrier agreements for both emerging lines.

What are the surplus lines requirements in Connecticut?

Connecticut's surplus lines tax rate is 4.0% of premium, applied at policy checkout. The state has no surplus lines stamping office, so filings go directly to the Connecticut Insurance Department rather than through an intermediary stamping body. Pathpoint calculates the 4.0% tax automatically at binding and submits all required state filings electronically. Agents complete the entire process through the Pathpoint dashboard with no separate regulatory interaction required.

Connecticut requires a diligent search, specifically 3 declinations from admitted carriers, before a broker can place business in the surplus lines market. Pathpoint captures and stores the required declination records automatically during the quoting process, so agents do not need to gather or file them manually. Connecticut follows the home-state filing method under the Nonadmitted and Reinsurance Reform Act (NRRA), which means the insured's home state governs the filing regardless of where the risk is located. Pathpoint applies the correct method automatically on every placement.

Surplus Lines Tax: 4.0%
Stamping Office: None
Diligent Search: 3 declinations
Filing Method: Home state

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

Placing E&S coverage in Connecticut through Pathpoint follows four steps. Step 1: submit the risk details including class code, location, limits, and loss history. Step 2: the platform routes the submission to eligible carriers. 73% of Connecticut accounts receive a bindable quote in about 15 seconds; referred accounts are quoted within 18 hours. Step 3: select the preferred carrier and request to bind. Pathpoint handles all Connecticut compliance automatically, including diligent search records and electronic state filings, with no stamping office step required. Step 4: policy documents are issued and the 4.0% Connecticut surplus lines tax is applied at checkout.

No surplus lines license is required to place business through Pathpoint in Connecticut. Pathpoint serves as the licensed surplus lines broker of record, so a standard retail property and casualty producer license is sufficient. There is no charge to create an account or submit accounts for quoting, and agents receive standard retail commission on every policy bound. All 12 Connecticut product lines run through the same four-step workflow regardless of whether the quote is instant or referred.

What does E&S insurance cost in Connecticut?

The average bound premium across all Connecticut E&S product lines on Pathpoint is $3,399. Premiums vary by product line, class code, limits, risk size, and loss history. LRO, the highest-volume line in Connecticut, averages $4,594 with a typical range of $1,794 to $6,557 (25th to 75th percentile). Monoline Property averages $3,607 with a typical range of $1,488 to $4,740. Contractors runs lower at an average of $2,033 with a typical range of $751 to $2,269, reflecting the smaller commercial construction risks that make up most Connecticut placements.

E&S premiums are higher than admitted market rates because surplus lines carriers accept risks that standard insurers decline, including accounts with prior losses, non-standard occupancy, or limited admitted options. Routing each submission to 14 carriers simultaneously creates pricing competition, so agents see the most favorable available rate rather than a single carrier's number. The final premium is shown at the quote stage with no obligation before binding.

There is no platform fee to use Pathpoint. Agents earn standard retail commission on every Connecticut policy bound, and the commission is not reduced by the 4.0% surplus lines tax. The tax is calculated automatically at checkout and passed through to the insured as a separate line item in the total policy cost.

Frequently Asked Questions: E&S Insurance in Connecticut

Pathpoint offers 12 E&S product lines in Connecticut covering 241+ class codes: LRO (17 class codes), Contractors (73), Monoline Property (33), Contractors Excess (38), Vacant Building (3), Vacant Land (1), Retail and Services (16), LRO Excess (7), Restaurants (9), Manufacturing (7), Cyber (4), and Monoline Wind (33). Of these, 11 are instant-quotable. By bind volume, the top lines are LRO (182 binds), Contractors (170 binds), and Monoline Property (109 binds).

Connecticut's surplus lines tax rate is 4.0% of premium. The state does not have a surplus lines stamping office, so filings go directly to the Connecticut Insurance Department. Pathpoint calculates and applies the 4.0% tax automatically at checkout and handles all required state filings electronically as part of the bind process. Agents do not need to file separately or interact with state regulators.

73% of Connecticut E&S submissions on Pathpoint receive an instant, bindable quote, with a median turnaround of about 15 seconds. Agents can submit, compare carrier options, bind, and receive policy documents in a single session. For referred risks, Pathpoint's brokerage team returns a quote within approximately 18 hours. Monoline Wind is always referred, while other submissions may be referred based on individual risk characteristics.

No. A standard retail producer license is all you need to place E&S business through Pathpoint in Connecticut. Pathpoint acts as the surplus lines broker of record for all Connecticut placements, handling all state licensing, filing, and compliance requirements. There is no cost to create an account or submit risks, and agents earn standard retail commission on every bound policy.

Pathpoint works with 14 carriers actively quoting Connecticut risks: 9 domestic surplus lines insurers including Kinsale, Nautilus, Westchester, Penn-America, Crum and Forster, The Hartford, Markel, Vave, and Baleen Specialty, plus 3 Lloyd's of London syndicates (Ategrity, Ategrity SMB, and LIO) and 2 specialty carriers (AU Gold and At-Bay). Each submission is routed to all eligible carriers simultaneously based on product line, class code, risk profile, and location.

When a submission is referred in Connecticut, Pathpoint's brokerage team reviews the application, evaluates it against the full 14-carrier panel, and returns a quote within approximately 18 hours. Monoline Wind is always referred in Connecticut. Other product lines may be referred depending on specific risk characteristics such as prior losses or non-standard construction. The agent workflow is the same as instant quoting, with submissions tracked in the same dashboard. There is no additional cost for referred placements.

The average bound E&S premium in Connecticut is $3,399 across all product lines. LRO policies average $4,594 with a typical range of $1,794 to $6,557. Monoline Property averages $3,607 with a typical range of $1,488 to $4,740. Contractors accounts average $2,033 with a typical range of $751 to $2,269. Premiums vary based on class code, limits, risk size, and loss history. Exact pricing is provided at quote with no obligation.

Yes. Connecticut requires 3 declinations from admitted carriers as a diligent search before placing business in the surplus lines market. Pathpoint automates this documentation, capturing and retaining the required declination records as part of the quote workflow. Agents do not need to manually gather or store declination letters. The platform handles all compliance documentation automatically as part of the standard quoting process.