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

Pathpoint covers 12 Excess and Surplus (E&S) product lines in Kansas spanning 166+ class codes, including Contractors, LRO (Lessor's Risk Only), and Monoline Property. 71.7% of submissions return an instant, bindable quote in roughly 140 seconds. With 19 active carriers, a 3.0% surplus lines tax calculated at checkout, and built-in diligent search documentation, Kansas agents get the same automated compliance handling as every other Pathpoint state, and the average bound premium across all Kansas product lines is $2,849.

Key Takeaways

  • 12 E&S product lines covering 166+ class codes in Kansas
  • 71.7% of submissions receive instant, bindable quotes in ~140 seconds
  • 19+ carrier partners including The Hartford, Westchester, Crum & Forster, Nautilus, and Vave
  • Surplus lines tax of 3.0%, calculated and filed automatically at bind, with Kansas moving state filings to the SLIP+ platform starting April 1, 2026
  • Average bound premium of $2,849 across all Kansas product lines

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

Kansas agents on Pathpoint can currently quote 12 Excess and Surplus (E&S) product lines spanning 166+ class codes. Contractors leads with 86 class codes, followed by Contractors Excess (54), LRO (Lessor's Risk Only, 18), Retail & Services (19), Restaurants (14), Manufacturing (8), LRO Excess (5), and three lines at 2 class codes each: Vacant Building, Vacant Land, and Churches. Contractors, LRO, and Monoline Property lead the state by bind volume, with 218, 57, and 23 bound policies respectively in the trailing 12 months, and all three carry strong account-level quote rates.

All 12 Kansas product lines are instant-quotable at the product level, meaning each one returned at least one automated, bindable quote during the trailing 12 months. That doesn't guarantee every submission clears automatically. At the account level, 71.7% of Kansas submissions receive an instant quote, with the remainder referred to Pathpoint's brokerage team for manual placement. Referred submissions typically resolve in a median of about 41.9 hours. Agents follow the same submission workflow either way, so the real difference between an instant and a referred account is how long the quote takes to come back.

Full class list · Ranked by bind volume
#ProductClass CodesTop ClassesQuote TypeAppetite
1Contractors86Roofing–Residential–Three Stories and Under, Remodeling Contractor, Painting–Exterior–Buildings or Structures–Three Stories or Less, Painting–Interior–Buildings or Structures, Siding Installation⚡ InstantStrong
2LRO18Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit, Apartment Buildings–Garden, Buildings or Premises (LRO)–Maintained by the Insured, Apartment Buildings, Dwellings–One-Family (Lessor's Risk Only)⚡ InstantStrong
3Monoline PropertyN/AApartment Buildings, Apartment Buildings–Garden, Buildings or Premises (LRO)–Maintained by the Insured, Buildings or Premises (LRO)–Other Than Not-For-Profit, Beauty Parlors and Hair Styling Salons⚡ InstantEmerging
4Contractors Excess54Carpentry–Construction of Residential Property ≤3 Stories, Contractors–Subcontracted Work–1–2-Family Dwellings, Janitorial Services, Contractors–Executive Supervisors, Contractors–Subcontracted Work–Not Buildings⚡ InstantActive
5Restaurants14Restaurants–with Alcohol <30% Receipts–Table Service, Restaurants–No Alcohol–Table Service, Restaurants–No Alcohol–Without Table Service with Seating, Restaurants–Alcohol ≥75%–Bar Only with Dance Floor, Restaurants–Alcohol ≥75%–Bar Only without Dance Floor⚡ InstantStrong
6Vacant Building2Vacant Buildings–Not Factories–Other Than Not-For-Profit⚡ InstantActive
7Vacant Land2Vacant Land–Other Than Not-For-Profit⚡ InstantActive
8LRO Excess5Apartment Buildings, Apartment Buildings–Garden⚡ InstantActive
9Manufacturing8Cosmetics Mfg.⚡ InstantActive
10Retail & Services19N/A⚡ InstantActive
11Churches2N/A⚡ InstantActive
12CyberN/AN/A⚡ InstantEmerging

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

71.7% of Kansas account submissions receive an instant, bindable quote, with a median turnaround of about 140 seconds, roughly 2 minutes and 20 seconds. That means an agent can submit a risk, get a quote, bind the policy, and receive documents in a single session without waiting on an underwriter. Instant quoting runs across all 12 Kansas product lines, from high-volume lines like Contractors and LRO down to smaller lines like Churches and Cyber, so the fast path isn't limited to a handful of classes.

The remaining Kansas submissions route to Pathpoint's brokerage team for manual underwriting review, typically resolving in a median of about 41.9 hours. Agents use the same submission process for both paths. The platform determines automatically, behind the scenes, whether a risk clears instantly or needs a closer look, so there's no separate form or workflow for referred business, only a different turnaround before the quote comes back to the agent for review and next steps.

Which carriers are available in Kansas?

19 distinct carriers quoted at least one Kansas submission on Pathpoint in the trailing 12 months, including The Hartford, Westchester, Crum & Forster, Nautilus, and Vave. Pathpoint's platform evaluates appetite by class code, location, risk size, and loss history, then routes each submission to the carriers most likely to write it. Kansas's domestic-versus-Lloyd's of London breakdown isn't classified in Pathpoint's data warehouse, but agents can see exactly which carrier is quoting a given submission inside the platform.

That 19-carrier panel supports all 12 Kansas product lines, from Contractors (86 class codes) down to smaller lines like Churches (2). Where more than one carrier has appetite for a risk, Pathpoint can return multiple quotes so agents can compare terms before binding. Pathpoint continues to add carrier relationships in Kansas, particularly for lines in the emerging tier, such as Monoline Property and Cyber, to push account quote rates higher over time and reduce how often those lines route to referral.

Where is Pathpoint's appetite strongest in Kansas?

Pathpoint groups Kansas product lines into three appetite tiers based on account quote rate: high (80% or above), mid (50% to 79%), and emerging (below 50%, or fewer than 5 accounts bound). Three of Kansas's 12 product lines carry high appetite: Contractors (94.0% quote rate, 218 bound policies), LRO (92.3%, 57 bound), and Restaurants (92.2%, 9 bound). Together those three lines account for 284 bound policies in the trailing 12 months. These lines see the fastest quote turnaround and the most competitive pricing in the state.

Seven more lines sit in the mid, or active, tier: Contractors Excess (66.7% quote rate), Vacant Building (75.0%), Vacant Land (50.0%), LRO Excess (53.3%), Manufacturing (75.0%), Retail & Services (59.0%), and Churches (71.4%). These lines still bind regularly, though agents should expect more submissions referred for manual review than in the high tier. The remaining two lines sit in the emerging tier: Monoline Property, at a 48.2% account quote rate, and Cyber, with only 2 accounts bound in the period, too thin a sample to tier higher. Pathpoint is actively growing carrier partnerships in both.

What are the surplus lines requirements in Kansas?

Kansas's surplus lines premium tax rate is 3.0%. Kansas has no dedicated state stamping office, so there's no separate stamping filing step for agents to manage. Starting April 1, 2026, Kansas filings and payments move to the SLIP+ platform, and a 0.175% SLIP+ transaction fee applies separately from the 3.0% tax on policies effective on or after January 1, 2026. Pathpoint files all required surplus lines documentation electronically as part of binding and calculates both the tax and the applicable SLIP+ fee automatically at checkout.

Kansas requires 3 admitted-carrier declinations under K.S.A. 40-246b before a risk can be placed in the surplus lines market, though Exempt Commercial Purchasers are excused from the diligent search requirement. Pathpoint automates diligent search documentation for every submission, generating the records agents need at bind. Filing follows the home state method under the Nonadmitted and Reinsurance Reform Act (NRRA), meaning Kansas-domiciled risks file and pay surplus lines tax through Kansas regardless of where the insured's exposures are located.

Surplus Lines Tax
3.0%
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 information for the account. Second, the platform routes the submission to carriers and returns a quote, 71.7% of the time instantly, in a median of about 140 seconds. Third, the agent binds the policy, with the 3.0% surplus lines tax, the 0.175% SLIP+ transaction fee where applicable, and all required compliance filings handled automatically behind the scenes. Fourth, policy documents issue and the account is complete.

Agents don't need a surplus lines license to quote and bind Kansas risks through Pathpoint. Pathpoint acts as the broker of record on every placement, which means the compliance obligations, including tax filing and diligent search documentation, sit with Pathpoint rather than the retail agent. Agents earn a standard retail commission on bound business, and there's no cost to create a Pathpoint account, submit a risk, or run a quote, whether it clears instantly or gets referred for review by the brokerage team.

What does E&S insurance cost in Kansas?

The average bound premium across all Kansas product lines is $2,849, based on 328 bound policies in the trailing 12 months. By product line, Contractors averages $1,701 with a typical range of $500 to $2,367, LRO averages $5,174 with a typical range of $1,366 to $5,822, and Monoline Property averages $7,440 with a typical range of $2,518 to $9,628. Premiums scale with the size and hazard profile of the risk, so a small apartment building and a large one under the same product line can land at very different points in that range.

E&S premiums generally run higher than admitted-market equivalents because surplus lines carriers take on risks that admitted carriers decline, harder classes, higher hazard, or thinner loss history. Pathpoint's multi-carrier panel keeps pricing competitive by letting more than one carrier compete for a given risk when appetite overlaps, rather than leaving an agent with a single quote to accept or reject. Exact pricing is available at the quote stage, with no obligation to bind until the agent is ready.

There's no cost to create a Pathpoint account or submit business, and agents earn a standard retail commission on every bound policy regardless of product line. The 3.0% Kansas surplus lines tax, plus the 0.175% SLIP+ transaction fee on applicable policies, is applied automatically at checkout and passed through to the insured, so agents don't need to calculate either figure by hand or track the April 2026 filing change themselves. Quoting, binding, and issuing documents all happen inside the same Pathpoint workflow.

Frequently Asked Questions: E&S Insurance in Kansas

Kansas agents on Pathpoint can quote 12 Excess and Surplus (E&S) product lines spanning 166+ class codes. Contractors (86 class codes) and Contractors Excess (54) carry the most class code breadth, while Contractors, LRO, and Monoline Property lead by bind volume. All 12 lines are instant-quotable at the product level, and 71.7% of individual submissions clear with an automated quote, with the remainder referred to Pathpoint's brokerage team for manual placement.
Kansas's surplus lines premium tax rate is 3.0%. Kansas has no dedicated stamping office, so there's no separate state filing step for agents. Starting April 1, 2026, Kansas moves its filings and payments to the SLIP+ platform, and a 0.175% SLIP+ transaction fee applies separately from the tax on policies effective on or after January 1, 2026. Pathpoint calculates and files all of this automatically at checkout, so agents don't need to track the rate or the filing changes themselves.
71.7% of Kansas submissions receive an instant, bindable quote in a median of about 140 seconds, roughly 2 minutes and 20 seconds. Submissions that don't clear automatically route to Pathpoint's brokerage team for manual underwriting, typically resolving in a median of about 41.9 hours. Either way, agents use the same submission workflow on the platform.
No. Pathpoint acts as the broker of record on every Kansas placement, so agents don't need their own surplus lines license to quote and bind. Agents earn a standard retail commission on bound business, and there's no cost to create a Pathpoint account, submit a risk, or generate a quote. The compliance work, including the diligent search documentation and tax filing, stays with Pathpoint rather than the agent.
19+ carriers quoted at least one Kansas submission on Pathpoint in the trailing 12 months, including The Hartford, Westchester, Crum & Forster, Nautilus, and Vave. Pathpoint evaluates appetite by class code, location, risk size, and loss history, then routes each submission to the carriers most likely to write it, sometimes returning more than one quote for the same risk.
A referred submission means the risk didn't clear Pathpoint's automated underwriting rules and needs a closer look from Pathpoint's brokerage team. The team reviews the account, shops it across the carrier panel, and typically returns a quote in a median of about 41.9 hours in Kansas. The agent's submission process is identical either way.
The average bound premium across all Kansas product lines is $2,849. By line, Contractors averages $1,701 (typical range $500 to $2,367), LRO averages $5,174 ($1,366 to $5,822), and Monoline Property averages $7,440 ($2,518 to $9,628). Exact pricing depends on class, limits, risk size, and loss history, and is available at the quote stage with no obligation.
SLIP+ is the electronic filing platform Kansas is adopting for surplus lines tax filings and payments, operated externally by the Florida Surplus Lines Service Office (FSLSO), starting April 1, 2026. A 0.175% SLIP+ transaction fee applies separately from the 3.0% surplus lines tax on policies effective on or after January 1, 2026. Pathpoint handles this filing and fee calculation automatically as part of binding, so agents don't file anything with SLIP+ directly.
FAQs