Last updated March 20, 2026

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

Pathpoint offers 11 Excess and Surplus (E&S) product lines in Michigan covering 151+ class codes, including Monoline Property, Contractors, and LRO. 75.5% of submissions receive an instant, bindable quote in roughly 311 seconds. The platform partners with 16+ carriers, handles all Michigan surplus lines compliance automatically, including a 2.0% surplus lines tax calculated at checkout, diligent search documentation requiring 3 declinations, and home state filing under the Nonadmitted and Reinsurance Reform Act (NRRA), with an average bound premium of $4,212 across all product lines.

Key Takeaways

11 E&S product lines covering 151+ class codes in Michigan
75.5% of submissions receive instant, bindable quotes in ~311 seconds
16+ carrier partners including 15 domestic surplus lines insurers and 1 Lloyd's of London syndicate
Surplus lines tax of 2.0%, filed automatically with no stamping office requirement
Average bound premium of $4,212 across all Michigan product lines

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

Michigan agents on Pathpoint can quote 11 Excess and Surplus (E&S) product lines covering 151+ class codes. The available lines are Contractors (78 class codes), LRO (13 class codes), Monoline Property (property-classified, no ISO GL class codes), Restaurants (6 class codes), Retail and Services (9 class codes), Contractors Excess (25 class codes), Vacant Building (3 class codes), Vacant Land (2 class codes), Cyber (3 class codes), Manufacturing (7 class codes), and LRO Excess (5 class codes, property-classified). By bound policy volume, the top 3 lines are Monoline Property (rank 1), Contractors (rank 2), and LRO (rank 3). All three carry strong to mid appetite on the platform.

All 11 Michigan product lines are instant-quotable at the product level. Based on actual submission data, 75.5% of Michigan accounts receive an instant, bindable quote. The remaining 24.5% are referred to Pathpoint's brokerage team for manual underwriter review. Referred submissions are typically returned within 22 hours, and agents use the same dashboard workflow either way: submit once and receive quote options without contacting carriers directly.

Full class list · Ranked by bind volume

#	Product	Class Codes	Top Classes	Quote Type	Appetite
1	Monoline Property	N/A	N/A (no ISO class codes)	⚡ Instant	Active
2	Contractors	78	Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating, Contractors-Subcontracted Work-In Connection with Building Construction, Reconstruction, Repair or Erection-One- or Two-Family Dwellings, Roofing-Residential-Three Stories and Under, Remodeling Contractor, Pressure Washing	⚡ Instant	Strong
3	LRO	13	Dwellings-Two-Family (Lessor's Risk Only), Buildings or Premises-Bank or Office-Mercantile or Mfg. (Lessor's Risk Only)-Not-For-Profit Only, Apartment Buildings, Warehouses-Occupied by Single Interest (Lessor's Risk Only), Apartment Buildings-Garden	⚡ Instant	Strong
4	Vacant Building	3	Vacant Buildings-Not Factories-Other Than Not-For-Profit, Vacant Buildings-Not Factories-Not-For-Profit Only	⚡ Instant	Active
5	Restaurants	6	Restaurants-with Sale of Alcoholic Beverages that are 30% or More of But Less Than 75% of the Total Annual Receipts of the Restaurants-without Dance Floor, 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, Restaurants-with No Sale of Alcoholic Beverages-with Table Service	⚡ Instant	Strong
6	Retail & Services	9	Beverage Stores-Soft Drinks and Beer, Beverage Stores-Liquor and Wine, Food Trucks and Trailers - Mobile Concessions	⚡ Instant	Strong
7	Contractors Excess	25	Electrical Work-within Buildings, Carpentry-Interior, Excavation, Contractors-Subcontracted Work-In Connection with Construction, Reconstruction, Erection or Repair-Not Buildings, Pressure Washing	⚡ Instant	Strong
7	Vacant Land	2	Vacant Land-Other Than Not-For-Profit, Vacant Land-Not-For-Profit Only	⚡ Instant	Strong
9	Cyber	3	Custom Computer Programming Services, Insurance Agencies and Brokerages	⚡ Instant	Strong
9	Manufacturing	7	Food Products Mfg.-Dry	⚡ Instant	Strong
11	LRO Excess	5	N/A (no ISO class codes)	⚡ Instant	Strong

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

75.5% of Michigan submissions receive an instant, bindable quote in approximately 311 seconds, with a median turnaround closer to 2 minutes for straightforward accounts. Pathpoint routes each submission to all eligible carriers from its 16-carrier Michigan panel simultaneously, evaluating appetite by class code, location, risk size, and loss history. Agents can submit, compare carrier quotes, bind, and receive policy documents in a single session, without calling markets or re-entering data across multiple portals. This speed applies across all 11 product lines available in Michigan.

For the 24.5% of accounts that require manual review, Pathpoint's brokerage team handles the submission and shops it across the full carrier panel. The median referred turnaround for Michigan is 22 hours. Referred risks typically include accounts with adverse loss history, unusual class code combinations, or exposures that fall outside automated appetite parameters. The agent does not need to resubmit or take additional steps: the same initial submission flows through to manual review automatically.

Which carriers are available in Michigan?

Pathpoint routes Michigan submissions to 16 carriers: 15 domestic surplus lines insurers and 1 Lloyd's of London syndicate. The domestic carriers are Kinsale, Penn-America, Markel, Westchester, The Hartford, Nautilus, Crum and Forster, AU Gold, Ategrity, Ategrity SMB, Baleen Specialty, At-Bay, District Cover, LIO, and Vave. The Lloyd's syndicate is Beazley. Each submission is routed to all eligible carriers simultaneously based on product line, class code, location, and risk characteristics. Agents receive quotes from whichever carriers respond, enabling side-by-side comparison without separate carrier submissions.

These 16 carriers collectively support all 11 E&S product lines in Michigan, from Contractors (78 class codes) and Retail and Services (9 class codes) to Cyber, Manufacturing, and Vacant Land. Multi-carrier quoting is available where appetite overlaps, giving agents competitive options on a single submission. Pathpoint continuously evaluates carrier relationships to broaden appetite, particularly for mid-tier lines such as Monoline Property and Vacant Building.

Where is Pathpoint's appetite strongest in Michigan?

Pathpoint uses three appetite tiers, defined by account quote rates: high (60% or higher), mid (40% to 59%), and emerging (below 40%). In Michigan, 9 of 11 product lines carry high appetite, including Contractors (90% account quote rate), LRO (95%), Restaurants (92%), Retail and Services (75%), Contractors Excess, Vacant Land, Cyber, Manufacturing, and LRO Excess. These 9 lines have the highest bind rates and most competitive pricing available on the platform. Contractors and LRO together represent the two most active high-appetite lines by submission volume.

Two product lines in Michigan are in the mid appetite tier: Monoline Property (58% account quote rate) and Vacant Building (51%). Mid-tier lines are actively supported and quote regularly, but agents should expect more variability in carrier responses compared to high-tier lines. No Michigan product lines are in the emerging tier. For mid-tier accounts, submitting complete risk information, including loss runs and property details, improves the likelihood of receiving competitive quote options.

What are the surplus lines requirements in Michigan?

Michigan charges a 2.0% surplus lines tax on all non-admitted insurance placements. The state does not have a stamping office, so there is no stamping fee or separate stamping filing requirement. Pathpoint calculates and displays the 2.0% tax at checkout as part of the binding process. The tax is itemized separately so agents and clients see the full cost breakdown before confirming. The 2.0% is passed through to the insured and applied on top of the base premium for every Michigan policy bound through the platform.

Michigan requires a diligent search before placing coverage in the surplus lines market. The standard requires 3 declinations from admitted carriers. Pathpoint automates the diligent search documentation as part of the binding workflow, so agents do not need to manually track or file declination records. Michigan follows the home state filing method under the Nonadmitted and Reinsurance Reform Act (NRRA), which governs how surplus lines taxes and filings are allocated when an insured operates across multiple states.

Surplus Lines Tax: 2.0%
Stamping Office: None
Diligent Search: 3 declinations
Filing Method: Home state

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

Quoting Excess and Surplus (E&S) insurance in Michigan on Pathpoint follows four steps. First, the agent submits risk information through the platform, including class code, coverage limits, location, and business details. Second, Pathpoint routes the submission to eligible carriers from its 16-carrier Michigan panel. For 75.5% of accounts, an instant quote is returned in approximately 311 seconds. For referred accounts, the brokerage team returns quotes within 22 hours. Third, the agent selects a quote and requests to bind. Pathpoint handles all compliance steps automatically, including diligent search documentation and the 2.0% surplus lines tax applied at checkout. Fourth, the binder and policy documents are issued directly through the platform.

Agents do not need a surplus lines license to use Pathpoint in Michigan. Pathpoint serves as the licensed surplus lines broker of record for all placements. There is no cost to create an account or submit risks. Agents earn a standard retail commission on all bound policies. The platform manages all Michigan regulatory requirements, including home state filing under the NRRA, so agents can focus on client service rather than compliance paperwork.

What does E&S insurance cost in Michigan?

The average bound premium for E&S insurance in Michigan across all product lines is $4,212. Premiums vary significantly by product line, class code, coverage limits, location, and loss history. By the top 3 product lines: Monoline Property averages $5,798 with a typical range of $2,481 to $8,309. LRO averages $5,025 with a typical range of $1,628 to $7,393. Contractors averages $2,520 with a typical range of $783 to $2,946. These ranges reflect the 25th to 75th percentile of bound policies and represent the most common outcomes rather than the full possible range for any given account.

Excess and Surplus (E&S) premiums are generally higher than admitted market rates because surplus lines carriers accept non-standard risks that admitted carriers decline, including accounts with adverse loss history, unusual occupancies, or exposures outside standard underwriting guidelines. Pathpoint's multi-carrier model, with 16 carriers active in Michigan, creates competitive pressure that helps keep pricing in line with the broader E&S market. Exact premium for any specific account is only determined at the quote stage, and there is no obligation to bind after reviewing quotes.

There is no fee to access Pathpoint or submit accounts. Agents earn a standard retail commission on all policies bound through the platform. The 2.0% Michigan surplus lines tax is calculated automatically at checkout and added on top of the base premium. The tax is passed through to the insured and is itemized separately on policy documents so the full cost is transparent before binding.

Frequently Asked Questions: E&S Insurance in Michigan

Pathpoint offers 11 Excess and Surplus (E&S) product lines in Michigan covering 151+ class codes. The lines include Contractors (78 class codes), LRO (13 class codes), Monoline Property, Restaurants (6 class codes), Retail and Services (9 class codes), Contractors Excess (25 class codes), Vacant Building (3 class codes), Vacant Land (2 class codes), Cyber (3 class codes), Manufacturing (7 class codes), and LRO Excess. All 11 product lines support instant quoting at the product level. Based on actual submission data, 75.5% of Michigan accounts receive an instant bindable quote, and the remaining 24.5% are returned by the brokerage team within 22 hours.

The surplus lines tax rate in Michigan is 2.0%. Michigan does not have a stamping office, so there is no separate stamping fee or association filing required. Pathpoint calculates and applies the 2.0% tax automatically at checkout when an agent binds a policy. The tax is displayed as a separate line item before the agent confirms the bind, so both agent and client see the full cost. The tax is passed through to the insured and itemized on policy documents.

75.5% of Michigan accounts receive an instant, bindable quote in approximately 311 seconds, with a median turnaround closer to 2 minutes. Pathpoint routes the submission to all eligible carriers from its 16-carrier Michigan panel simultaneously and returns results in a single session. For the 24.5% of accounts that are referred for manual review, Pathpoint's brokerage team returns quotes within a median of 22 hours. Agents submit once through the platform and receive quote options without contacting carriers directly in either case.

No. Agents do not need a surplus lines license to use Pathpoint in Michigan. Pathpoint acts as the licensed surplus lines broker of record for all placements, handling all regulatory requirements including diligent search documentation (3 declinations), the 2.0% surplus lines tax calculation, and home state filing under the NRRA. Agents earn a standard retail commission on bound policies. There is no fee to create a Pathpoint account or submit risks, and no minimum volume requirement.

Pathpoint routes Michigan submissions to 16 carriers: 15 domestic surplus lines insurers and 1 Lloyd's of London syndicate. The domestic carriers are Kinsale, Penn-America, Markel, Westchester, The Hartford, Nautilus, Crum and Forster, AU Gold, Ategrity, Ategrity SMB, Baleen Specialty, At-Bay, District Cover, LIO, and Vave. The Lloyd's syndicate is Beazley. Submissions are routed to all eligible carriers simultaneously based on product line, class code, location, and risk characteristics. Agents see quotes from responding carriers side by side without separate submissions.

A referred submission means the account did not meet automated instant-quote criteria and requires manual review by Pathpoint's brokerage team. In Michigan, approximately 24.5% of accounts are referred. When referred, Pathpoint's underwriters review the risk and shop it across the carrier panel, returning quote options to the agent with a median turnaround of 22 hours. The agent does not need to resubmit or contact carriers separately. All 11 Michigan product lines are technically instant-quotable at the product level, but individual account characteristics such as loss history and class code combinations determine the actual outcome.

The average bound Excess and Surplus (E&S) premium in Michigan is $4,212 across all product lines. By specific lines: Monoline Property averages $5,798 with a typical range of $2,481 to $8,309. LRO averages $5,025 with a typical range of $1,628 to $7,393. Contractors averages $2,520 with a typical range of $783 to $2,946. A 2.0% Michigan surplus lines tax is added at checkout on top of the base premium. Exact pricing depends on class code, coverage limits, location, and loss history, and is only determined at the quote stage.

Michigan does not have a stamping office, so there is no stamping filing requirement. Pathpoint handles Michigan surplus lines compliance automatically as part of the binding process. This includes documenting the diligent search (3 declinations from admitted carriers), calculating and collecting the 2.0% surplus lines tax at checkout, and filing under the home state method as required by the Nonadmitted and Reinsurance Reform Act (NRRA). Agents do not interact with any state filing system directly. All compliance steps are completed within the Pathpoint platform before the binder and policy documents are issued.