Last updated March 20, 2026

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

Pathpoint offers 12 Excess and Surplus (E&S) product lines in Mississippi covering 296+ class codes, including Monoline Property, Contractors, and LRO (Lessor's Risk Only). 71.3% of submissions receive an instant, bindable quote in roughly 21 seconds. With 13+ active carriers, automated surplus lines tax filing at 3.0% (Mississippi has no stamping office), and built-in diligent search documentation, the average bound premium across all Mississippi product lines is $3,175.

Key Takeaways

12 E&S product lines covering 296+ class codes in Mississippi
71.3% of submissions receive instant, bindable quotes in ~21 seconds
13+ carrier partners, all domestic surplus lines insurers
Surplus lines tax of 3.0%, filed automatically. Mississippi has no stamping office
Average bound premium of $3,175 across all Mississippi product lines

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

Mississippi agents on Pathpoint can currently quote 12 Excess and Surplus (E&S) product lines covering 296+ class codes. The available lines are Monoline Property (63 class codes), Contractors (72), LRO or Lessor's Risk Only (37), Restaurants (11), Vacant Land (2), Vacant Building (3), Contractors Excess (17), Monoline Wind (60), LRO Excess (3), Retail and Services (21), Manufacturing (3), and Cyber (4). By bind volume over the trailing 12 months, Monoline Property ranks first, followed by Contractors and LRO. Mississippi has one of the broader class code selections on the platform, with 296 total codes across all product lines.

11 of the 12 product lines available in Mississippi (91.7%) are instant-quotable, meaning the platform returns a bindable indication in seconds. The one exception is Monoline Wind, which is referred to Pathpoint's brokerage team for manual placement. Monoline Wind submissions require underwriter review given the catastrophe wind exposure unique to coastal and near-coastal Mississippi markets. All other product lines, including Contractors, LRO, Monoline Property, Restaurants, and Cyber, can be quoted, bound, and issued in a single session.

Full class list · Ranked by bind volume

#	Product	Class Codes	Top Classes	Quote Type	Appetite
1	Monoline Property	63	Apartment Buildings–Garden, 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), Restaurants–with No Sale of Alcoholic Beverages–without Table Service with Seating, Restaurants–with Sale of Alcoholic Beverages that are Less Than 30% of the Annual Receipts of the Restaurants–with Table Service	⚡ Instant	Active
2	Contractors	72	Contractors–Subcontracted Work–In Connection with Building Construction, Reconstruction, Repair or Erection–One- or Two-Family Dwellings, Remodeling Contractor, Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Repair or Erection of Buildings, Handyperson, Carpentry–Construction of Residential Property Not Exceeding Three Stories in Height	⚡ Instant	Strong
3	LRO	37	Dwellings–One-Family (Lessor's Risk Only), Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit, Apartment Buildings–Garden, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured–Other Than Not-For-Profit, Apartment Buildings	⚡ Instant	Strong
4	Restaurants	11	Restaurants–with No Sale of Alcoholic Beverages–without Table Service with Seating, 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 Less Than 30% of the Annual Receipts of the Restaurants–with Table Service, Restaurants–with No Sale of Alcoholic Beverages–with Table Service, Restaurants–with No Sale of Alcoholic Beverages–without Seating	⚡ Instant	Strong
4	Vacant Land	2	Vacant Land–Other Than Not-For-Profit, Vacant Land–Not-For-Profit Only	⚡ Instant	Active
6	Vacant Building	3	Vacant Buildings–Not Factories–Other Than Not-For-Profit, Vacant Buildings–Factories, Vacant Buildings–Not Factories–Not-For-Profit Only	⚡ Instant	Active
7	Contractors Excess	17	Contractors–Executive Supervisors or Executive Superintendents, Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Repair or Erection of Buildings, Solar Energy Contractors, Communication Equipment Installation–Industrial or Commercial, Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Erection or Repair–Not Buildings	⚡ Instant	Active
8	Monoline Wind	60	Antique Stores, Apartment Buildings, Apartment Buildings–Garden, Barber Shops, Beauty Parlors and Hair Styling Salons	↗ Referred	Emerging
9	LRO Excess	3	Apartment Buildings–Garden, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured–Not-For-Profit Only, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit	⚡ Instant	Active
9	Retail & Services	21	Antique Stores, Barber Shops, Beauty Parlors and Hair Styling Salons, Beverage Stores–Liquor and Wine, Beverage Stores–Soft Drinks and Beer	⚡ Instant	Active
9	Manufacturing	3	Candle Mfg., Clothing Mfg., Cosmetics Mfg.	⚡ Instant	Emerging
9	Cyber	4	Architectural Services, Insurance Agencies and Brokerages, Landscaping Services, Limited-Service Restaurants	⚡ Instant	Active

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

71.3% of Mississippi E&S submissions on Pathpoint receive an instant, bindable quote, typically within about 21 seconds of submission. The platform routes each application to eligible carriers simultaneously, evaluates appetite by class code and risk characteristics, and returns the best available indication automatically. For the 11 instant-eligible product lines, including Contractors, LRO, Monoline Property, Restaurants, Vacant Building, Vacant Land, and Cyber, agents can submit, review options, bind, and receive policy documents in a single session.

Monoline Wind submissions in Mississippi are referred for manual underwriting review given the complexity of wind-exposed property placements in the state. Pathpoint's brokerage team evaluates referred risks against the full carrier panel and returns a quote when underwriting is complete. The same agent dashboard tracks all submissions, with notifications when referred quotes are ready. There is no additional cost for referred placements.

Which carriers are available in Mississippi?

Pathpoint partners with 13 carriers actively quoting Mississippi risks, all domestic surplus lines insurers. No Lloyd's of London syndicates are currently active in this state. The carrier panel includes Ategrity, Baleen Specialty, Crum and Forster, Markel, Nautilus, Penn-America, The Hartford, Vave, Velocity Risk Underwriters, Westchester, and others. The platform routes each submission based on product line, class code, risk characteristics, location, and loss history, returning quotes from every eligible carrier simultaneously so agents can compare options.

These 13 domestic surplus lines carriers collectively cover all 12 product lines available in Mississippi, from high-volume lines like Contractors (72 class codes) and LRO (37 class codes) to emerging segments like Monoline Wind (60 class codes) and Manufacturing (3 class codes). Multi-carrier quoting is available for most product lines, giving agents multiple pricing options on a single submission. Pathpoint continues expanding its carrier relationships to improve coverage breadth for Mississippi agents.

Where is Pathpoint's appetite strongest in Mississippi?

Pathpoint measures appetite by account quote rate, the share of submitted accounts that receive at least one quotable indication. In Mississippi, 3 product lines carry high appetite (account quote rates of 80% or above): Contractors at 85.0%, LRO at 90.6%, and Restaurants at 91.1%. These lines reflect strong carrier interest in commercial construction, lessor's risk properties, and food service accounts, and represent the most consistent quoting and competitive pricing on the platform.

Seven product lines fall into the mid-tier appetite range (50% to 80% account quote rates): Monoline Property, Vacant Land, Vacant Building, Contractors Excess, LRO Excess, Retail and Services, and Cyber. These lines are actively quoted but may have tighter risk-specific criteria depending on location and account size. Two product lines are in the emerging tier: Monoline Wind (limited appetite given wind catastrophe exposure) and Manufacturing. Pathpoint is actively expanding carrier partnerships for both emerging lines to improve hit rates for Mississippi agents.

What are the surplus lines requirements in Mississippi?

Mississippi imposes a 3.0% surplus lines tax on premium. The state does not have a surplus lines stamping office, so filings go directly to the Mississippi Insurance Department rather than through a separate regulatory body. Pathpoint calculates the 3.0% tax automatically at checkout and handles all required surplus lines filings electronically as part of the bind process. Agents do not need to interact with the Mississippi Insurance Department directly or submit separate compliance documentation after binding through Pathpoint.

Mississippi requires a diligent search before placing business in the surplus lines market, specifically 3 declinations from admitted carriers. Pathpoint automates this documentation, capturing and retaining the required declination records as part of the quote workflow. Surplus lines filings in Mississippi follow the home-state method under the Nonadmitted and Reinsurance Reform Act (NRRA), meaning the rules of the insured's home state apply. Pathpoint applies the correct filing method automatically based on the risk's state of domicile.

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 Mississippi?

Quoting E&S in Mississippi on Pathpoint follows four steps. First, submit the risk information including class code, location, limits, and loss history. Second, the platform routes the submission to eligible carriers and returns results. 71.3% of Mississippi submissions receive an instant indication in approximately 21 seconds for the 11 instant-eligible product lines. Third, select the preferred carrier and request to bind. The platform handles all Mississippi surplus lines compliance, including diligent search documentation and electronic filing with no stamping office required. Fourth, policy documents are issued and the 3.0% Mississippi surplus lines tax is applied at checkout.

No surplus lines license is required to use Pathpoint. The platform acts as broker of record for all Mississippi placements, meaning a retail producer license is sufficient. There is no cost to create an account or submit risks, and agents earn standard retail commission on every bound policy. Mississippi saw 164 policies bound across all product lines in the trailing 12 months on the platform.

What does E&S insurance cost in Mississippi?

The average bound premium across all Mississippi E&S product lines on Pathpoint is $3,175. Premiums vary by product line, class code, limits, risk size, and loss history. Monoline Property, the highest-volume line in Mississippi by bound policy count, averages $4,584 with a typical range of $1,463 to $5,593 (25th to 75th percentile). LRO accounts average $2,859 with a typical range of $538 to $2,943. Contractors policies run lower at an average of $1,984 with a typical range of $650 to $2,500, reflecting the prevalence of smaller residential contractor accounts in the state.

E&S premiums are generally higher than admitted market rates because surplus lines carriers take on risks that standard insurers decline, such as wind-exposed property, prior losses, or accounts with limited admitted options. Pathpoint's 13-carrier panel creates competition on each submission, routing to every eligible carrier simultaneously so agents receive the most competitive available pricing. Exact pricing is determined at the quote stage with no obligation.

There is no fee to use Pathpoint. Agents earn standard retail commission on every Mississippi bound policy. The 3.0% Mississippi surplus lines tax is calculated automatically at checkout and passed through to the insured as part of the total policy cost. The tax does not reduce agent commission.

Frequently Asked Questions: E&S Insurance in Mississippi

Pathpoint offers 12 E&S product lines in Mississippi covering 296+ class codes: Monoline Property (63 class codes), Contractors (72), LRO (37), Restaurants (11), Vacant Land (2), Vacant Building (3), Contractors Excess (17), Monoline Wind (60), LRO Excess (3), Retail and Services (21), Manufacturing (3), and Cyber (4). 11 of the 12 lines are instant-quotable. Only Monoline Wind is referred for manual placement. By bind volume, the top lines are Monoline Property, Contractors, and LRO.

Mississippi's surplus lines tax rate is 3.0% of premium. The state does not have a surplus lines stamping office, so filings go directly to the Mississippi Insurance Department. Pathpoint calculates and applies the 3.0% 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.

71.3% of Mississippi E&S submissions on Pathpoint receive an instant, bindable quote, typically in about 21 seconds. Agents can submit, compare carrier options, bind, and receive policy documents in a single session for the 11 instant-eligible product lines. Monoline Wind submissions are referred for manual underwriting review given the wind-exposed property considerations in Mississippi, and turnaround varies by risk complexity.

No. A standard retail producer license is all you need to place E&S business through Pathpoint in Mississippi. Pathpoint acts as the surplus lines broker of record for all Mississippi 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 13 carriers actively quoting Mississippi risks, all domestic surplus lines insurers. The panel includes Ategrity, Baleen Specialty, Crum and Forster, Markel, Nautilus, Penn-America, The Hartford, Vave, Velocity Risk Underwriters, and Westchester, among others. Each submission is routed programmatically to all eligible carriers based on product line, class code, risk profile, and location, returning competitive options simultaneously.

Monoline Wind is the only referred product line in Mississippi. When a Monoline Wind submission is referred, Pathpoint's brokerage team reviews the application, evaluates it against the carrier panel, and returns a quote when underwriting is complete. Mississippi's coastal and near-coastal wind exposure requires additional underwriting consideration, so turnaround varies based on risk location and characteristics. Submissions are tracked in the same agent dashboard with notifications when the quote is ready.

The average bound E&S premium in Mississippi is $3,175 across all product lines. Monoline Property averages $4,584 with a typical range of $1,463 to $5,593. LRO accounts average $2,859 with a typical range of $538 to $2,943. Contractors policies average $1,984 with a typical range of $650 to $2,500. Premiums vary based on class code, limits, risk size, and loss history. Exact pricing is provided at quote with no obligation.

Yes. Mississippi 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 compliance documentation automatically as part of the standard quoting process.