Last updated March 20, 2026

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

Pathpoint offers 11 Excess and Surplus (E&S) product lines in Kansas covering 138+ class codes, including Contractors, LRO (Lessor's Risk Only), and Monoline Property. 72.8% of submissions return an instant, bindable quote in roughly 90 seconds. With 16 active carriers, a 6.0% surplus lines tax calculated at checkout, built-in diligent search documentation, and no stamping office filings required, the average bound premium across all Kansas product lines is $3,136.

Key Takeaways

11 E&S product lines covering 138+ class codes in Kansas
72.8% of submissions receive instant, bindable quotes in ~90 seconds
16+ carrier partners including domestic surplus lines insurers
Surplus lines tax of 6.0%, calculated automatically at checkout. No stamping office required
Average bound premium of $3,136 across all Kansas product lines

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

Kansas agents on Pathpoint can currently quote 11 Excess and Surplus (E&S) product lines covering 138+ distinct class codes. The lineup includes Contractors (76 class codes), Contractors Excess (30 class codes), Restaurants (10 class codes), LRO or Lessor's Risk Only (5 class codes), Retail and Services (4 class codes), Manufacturing (3 class codes), Cyber (3 class codes), LRO Excess (3 class codes), Vacant Building (2 class codes), Vacant Land (2 class codes), and Monoline Property. Contractors leads bind volume with the highest count of bound policies in the trailing 12 months, followed by LRO and Monoline Property, all three carrying strong appetite on the platform.

Of the 11 product lines in Kansas, 10 are instant-quotable, representing 90.9% of available lines. The sole referred product line is Manufacturing, which routes to Pathpoint's brokerage team for manual placement, with quotes typically returned within approximately 40 hours. All other lines, including Contractors, LRO, Monoline Property, Restaurants, Contractors Excess, Vacant Building, Vacant Land, LRO Excess, Retail and Services, and Cyber, support the full instant submit-to-docs workflow.

Full class list · Ranked by bind volume

#	Product	Class Codes	Top Classes	Quote Type	Appetite
1	Contractors	76	Roofing–Residential–Three Stories and Under, Remodeling Contractor, Painting–Interior–Buildings or Structures, Painting–Exterior–Buildings or Structures–Three Stories or Less in Height, Siding Installation	⚡ Instant	Strong
2	LRO	5	Apartment Buildings–Garden, Apartment Buildings, Vacation Rentals, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit, Dwellings–Four-Family (Lessor's Risk Only)	⚡ Instant	Strong
3	Monoline Property	N/A	N/A	⚡ Instant	Emerging
4	Contractors Excess	30	Contractors–Subcontracted Work–In Connection with Building Construction, Janitorial Services, Roofing–Residential–Three Stories and Under, Gutter Installation	⚡ Instant	Active
4	Restaurants	10	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 No Sale of Alcoholic Beverages–without Table Service with Seating	⚡ Instant	Strong
6	Vacant Building	2	Vacant Buildings–Not Factories–Other Than Not-For-Profit, Vacant Buildings–Not Factories–Not-For-Profit Only	⚡ Instant	Active
7	Vacant Land	2	Vacant Land–Other Than Not-For-Profit, Vacant Land–Not-For-Profit Only	⚡ Instant	Active
8	LRO Excess	3	Apartment Buildings, Apartment Buildings–Garden, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit	⚡ Instant	Active
8	Retail & Services	4	Food Trucks and Trailers – Mobile Concessions, Health or Natural Food Stores, Grocery Stores, Antique Stores	⚡ Instant	Active
10	Manufacturing	3	Cosmetics Mfg., Detergent Mfg.–Other Than Household, Clothing Mfg.	↗ Referred	Active
11	Cyber	3	Coin-Operated Laundries and Drycleaners, Beer, Wine, and Liquor Stores, Offices of Real Estate Agents and Brokers	⚡ Instant	Active

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

72.8% of Kansas account submissions receive an instant, bindable quote, with a median turnaround of 90 seconds from submission to quote. Once an agent enters risk details, Pathpoint simultaneously evaluates appetite across its 16-carrier Kansas panel and returns the best available options. Agents can review competing quotes, select a carrier, bind, and receive policy documents without leaving the platform. The full submit-to-docs workflow typically completes in under 10 minutes for instant-eligible risks.

For the remaining 27.2% of Kansas submissions that do not receive an instant quote, Pathpoint's brokerage team reviews the risk manually and shops it across the carrier panel. Turnaround for referred submissions is approximately 40 hours at the median. This includes submissions on Manufacturing, the only fully referred product line, as well as individual submissions on instant-eligible lines that fall outside auto-quote criteria due to risk characteristics such as prior losses or unusual class combinations.

Which carriers are available in Kansas?

Pathpoint routes Kansas submissions to 16 distinct carriers, all domestic surplus lines insurers, that have actively quoted in-state risks in the trailing 12 months. Named carriers include Nautilus, Markel, Crum and Forster, Penn-America, Vave, The Hartford, Westchester, AU Gold, Baleen Specialty, Ategrity, Kinsale, LIO, At-Bay, and Crum and Forster SMB. Each submission is evaluated against carrier appetite by product line, class code, location, risk size, and loss history. When multiple carriers are eligible, Pathpoint returns competing quotes so agents can compare options before binding.

Carrier coverage spans all 11 Kansas product lines, from the high-volume general liability lines of Contractors and LRO to the emerging Monoline Property line and the referred Manufacturing line. Three product lines carry high appetite, seven carry mid-level appetite, and one is in the emerging tier. Pathpoint continuously expands carrier relationships to deepen appetite and improve pricing competitiveness across all lines, including the more specialized ones.

Where is Pathpoint's appetite strongest in Kansas?

Pathpoint organizes Kansas appetite into three tiers based on account quote rates. Three product lines carry high appetite: Contractors, LRO, and Restaurants. These three lines drive the majority of Kansas bind volume, with Contractors leading at 193 binds in the trailing 12 months, followed by LRO at 59 binds. Restaurants carries a 95.2% quote rate, the highest of any Kansas product line. These three lines are served by the broadest share of the state's 16 carrier partners and offer the most competitive pricing.

Seven product lines fall into the mid-appetite tier: Contractors Excess, Vacant Building, Vacant Land, LRO Excess, Retail and Services, Manufacturing, and Cyber. Each of these lines is actively quoted and bound through Pathpoint, though quote rates vary. One line, Monoline Property, sits in the emerging tier at a 40.9% quote rate. Pathpoint is actively expanding carrier partnerships for Monoline Property. Agents should still submit emerging-tier risks, as the brokerage team works all submissions across all 11 product lines.

What are the surplus lines requirements in Kansas?

Kansas's surplus lines tax rate is 6.0%, applied uniformly across all surplus lines product lines. Pathpoint calculates this automatically at checkout and passes it through to the insured, so agents do not need to track or manually compute the tax. Kansas does not have a stamping office, so there are no additional stamping fees or electronic filing requirements with a state intermediary. The 6.0% rate is reflected in the total premium shown at the time of bind and itemized separately in the policy documents.

Kansas requires a diligent search before placing coverage in the surplus lines market, documented with 3 declinations from admitted carriers. Pathpoint automates the diligent search documentation as part of the bind workflow, generating the required records without agents needing to gather or format paperwork separately. Filing follows the home state method under the Nonadmitted and Reinsurance Reform Act (NRRA), meaning Kansas agents handle Kansas-sourced risks entirely within the state's regulatory framework.

Surplus Lines Tax: 6.0%
Stamping Office: None
Diligent Search: 3 declinations
Filing Method: Home state

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

Quoting E&S in Kansas on Pathpoint follows four steps. First, an agent submits risk details, including class, limits, location, and loss history, through a single intake form. Second, Pathpoint routes the submission simultaneously to its 16-carrier Kansas panel: 72.8% of the time an instant, bindable quote returns within about 90 seconds. Third, the agent selects a carrier and binds. Pathpoint handles all Kansas surplus lines compliance automatically, including the 6.0% tax calculation and diligent search documentation, with no stamping office filings required. Fourth, policy documents are issued, completing the transaction fully within the platform.

Agents do not need a surplus lines license to use Pathpoint in Kansas. Pathpoint acts as the broker of record and handles all surplus lines filings and compliance obligations. Agents earn standard retail commission on bound policies. There is no charge for a Pathpoint account, and no cost is incurred for submissions, whether they result in a bound policy or not.

What does E&S insurance cost in Kansas?

The average bound premium for E&S policies in Kansas on Pathpoint is $3,136 across all 11 product lines. Premiums vary significantly by line: Contractors averages $1,849 with a typical range of $500 to $2,441, LRO averages $5,186 with a typical range of $1,258 to $6,008, and Monoline Property averages $7,848 with a typical range of $2,361 to $9,628. These figures are based on trailing 12-month bind data and reflect P25 to P75 ranges, so individual accounts may fall outside these bands depending on limits, occupancy class, loss history, and carrier selection.

E&S premiums generally run higher than equivalent admitted coverage because surplus lines carriers take on risks that standard markets have declined or restricted. Kansas's 16-carrier E&S market helps keep pricing competitive through multi-carrier quoting. Pathpoint routes each submission to all eligible carriers simultaneously, so agents receive the most competitive available quote rather than a single carrier's pricing. Exact premium is determined at the quote stage, with no obligation to bind.

There is no cost to maintain a Pathpoint account or to submit risks for quoting. Agents earn standard retail commission on each bound policy. Kansas's 6.0% surplus lines tax is calculated automatically at checkout and itemized separately in the final premium, so agents do not need to manually calculate or add it.

Frequently Asked Questions: E&S Insurance in Kansas

Pathpoint offers 11 E&S product lines in Kansas covering 138+ distinct class codes. The full lineup includes Contractors (76 class codes), Contractors Excess (30 class codes), Restaurants (10 class codes), LRO (5 class codes), Retail and Services (4 class codes), Manufacturing (3 class codes), Cyber (3 class codes), LRO Excess (3 class codes), Vacant Building (2 class codes), Vacant Land (2 class codes), and Monoline Property. Ten of these 11 lines are instant-quotable. Manufacturing is the only referred line, with quotes returned by Pathpoint's brokerage team within approximately 40 hours.

Kansas's surplus lines tax rate is 6.0%. Pathpoint calculates this automatically at checkout and itemizes it separately in the final premium, so agents do not need to manually compute or add the tax. Kansas does not have a stamping office, so there are no additional stamping fees or intermediary filings required. The 6.0% rate applies uniformly across all surplus lines product lines placed through the platform and is passed through to the insured at bind.

72.8% of Kansas account submissions receive an instant, bindable quote with a median turnaround of 90 seconds. Agents submit risk details and Pathpoint simultaneously routes the submission across its 16-carrier Kansas panel. For the remaining 27.2% of submissions that do not qualify for instant quoting, including all Manufacturing submissions and individual accounts on instant-eligible lines with unusual risk characteristics, Pathpoint's brokerage team reviews the risk manually and typically returns a quote within approximately 40 hours.

No. Pathpoint acts as the broker of record for all Kansas surplus lines placements, so retail agents do not need their own surplus lines license. Agents earn standard retail commission on every bound policy. There is no charge for a Pathpoint account and no cost to submit risks, whether or not a quote is returned. All surplus lines compliance, including diligent search documentation, the 6.0% tax calculation, and home state filing, is handled automatically by the platform.

Pathpoint routes Kansas submissions to 16 distinct carriers, all domestic surplus lines insurers. Named carriers include Nautilus, Markel, Crum and Forster, Penn-America, Vave, The Hartford, Westchester, AU Gold, Baleen Specialty, Ategrity, Kinsale, LIO, At-Bay, and Crum and Forster SMB. Each submission is evaluated against carrier appetite by product line, class code, location, and risk characteristics. When multiple carriers are eligible, agents receive competing quotes to compare before binding.

In Kansas, Manufacturing is the only fully referred product line. For referred submissions, the risk routes to Pathpoint's brokerage team rather than returning an instant quote. The team reviews the risk, shops it across the 16-carrier Kansas panel, and typically returns a quote within approximately 40 hours. The agent experience stays within the same platform workflow, with no need to contact carriers directly. Some submissions on instant-eligible lines may also be referred if specific risk characteristics fall outside auto-quote criteria.

The average bound premium for E&S policies in Kansas is $3,136 across all 11 product lines. Costs vary significantly by line: Contractors averages $1,849 with a typical range of $500 to $2,441, LRO averages $5,186 with a typical range of $1,258 to $6,008, and Monoline Property averages $7,848 with a typical range of $2,361 to $9,628. Kansas's 6.0% surplus lines tax is added at checkout on top of the base premium. Exact pricing is determined at the quote stage, with no obligation to bind.

No. Kansas does not have a surplus lines stamping office, so there are no stamping fees or electronic filings required with a state intermediary. Pathpoint handles all Kansas surplus lines compliance automatically, including the 6.0% tax calculation, diligent search documentation with 3 declinations from admitted carriers, and home state filing under the NRRA (Nonadmitted and Reinsurance Reform Act). Agents do not interact with any stamping office and no additional steps are required beyond the standard Pathpoint bind workflow.