Last updated June 23, 2026

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

Pathpoint offers 13 Excess and Surplus (E&S) product lines in Ohio covering 216+ class codes, including Contractors, Lessor's Risk Only (LRO), and Monoline Property. 71.2% of submissions receive an instant, bindable quote in seconds. The platform partners with 18+ carriers, handles all Ohio surplus lines compliance automatically, including tax calculation at 5.0% and diligent search documentation, with an average bound premium of $2,879 across all product lines.

Key Takeaways

13 E&S product lines covering 216+ class codes in Ohio
71.2% of submissions receive instant, bindable quotes in seconds
18+ carrier partners quoting Ohio risks across all product lines
Surplus lines tax of 5.0%, calculated and filed automatically at bind
Average bound premium of $2,879 across all Ohio product lines

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

Ohio agents on Pathpoint can quote 13 Excess and Surplus (E&S) product lines covering 216+ class codes. The available lines are: Contractors (104 class codes), LRO or Lessor's Risk Only (20 class codes), Contractors Excess (62 class codes), Vacant Building (3 class codes), Restaurants (15 class codes), Manufacturing (15 class codes), Retail and Services (20 class codes), Vacant Land (2 class codes), Churches (3 class codes), and LRO Excess (7 class codes). The top three lines by trailing-12-month bind volume are Contractors (118 policies), LRO (76 policies), and Monoline Property (55 policies), all of which carry strong appetite.

Of the 13 Ohio product lines, 12 are instant-quotable, which is 92.3% of all lines available. When an agent submits an application, the platform returns a bindable quote in seconds with no manual underwriting step required. The remaining line, Monoline Wind, is referred to Pathpoint's brokerage team for manual placement, with quotes typically returned within 22 hours based on median turnaround for referred Ohio submissions. The same portal handles both instant and referred workflows, so there is no separate submission process.

Full class list · Ranked by bind volume

#	Product	Class Codes	Top Classes	Quote Type	Appetite
1	Contractors	104	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, Handyperson, Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating	⚡ Instant	Strong
2	LRO	20	Apartment Buildings–Garden, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit, Apartment Buildings, Dwellings–One-Family (Lessor's Risk Only), Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured–Other Than Not-For-Profit	⚡ Instant	Strong
3	Monoline Property	N/A	Apartment Buildings–Garden, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit, Apartment Buildings, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured–Other Than Not-For-Profit, Convenience Stores – No Gas Station, Car Wash or Restaurant	⚡ Instant	Active
4	Contractors Excess	62	Remodeling Contractor, Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Erection or Repair–Not Buildings, Janitorial Services, Landscape Gardening, Lawn Care Services	⚡ Instant	Strong
5	Vacant Building	3	Vacant Buildings–Not Factories–Other Than Not-For-Profit, Vacant Buildings–Factories, Vacant Buildings–Not Factories–Not-For-Profit Only	⚡ Instant	Strong
6	Restaurants	15	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 Sale of Alcoholic Beverages that are 75% or More of Total Annual Receipts of the Restaurants–with Tables–without Dance Floor: No Table Service, Restaurants–with Sale of Alcoholic Beverages that are Less Than 30% of the Annual Receipts of the Restaurants–with Table Service, Restaurants–with Sale of Alcoholic Beverages that are 75% or More of Total Annual Receipts of the Restaurants–with Tables–with Dance Floor: No Table Service	⚡ Instant	Strong
7	Manufacturing	15	Cosmetics Mfg., Food Products Mfg.–Not Dry–In Other Than Glass Containers, Toys or Games Mfg.	⚡ Instant	Strong
8	Retail & Services	20	Convenience Stores – No Gas Station, Car Wash or Restaurant, Furniture Stores–Other Than Not-For-Profit	⚡ Instant	Strong
9	Cyber	N/A	Water and Sewer Line and Related Structures Construction, Data Processing, Hosting, and Related Services, Administrative Management and General Management Consulting Services	⚡ Instant	Strong
10	Vacant Land	2	Vacant Land–Other Than Not-For-Profit	⚡ Instant	Strong
11	Churches	3	None	⚡ Instant	Strong
12	LRO Excess	7	None	⚡ Instant	Strong
13	Monoline Wind	N/A	None	↗ Referred	Emerging

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

71.2% of Ohio account submissions receive an instant quote. Once the application is submitted, the platform routes the risk through integrated carriers and returns a bindable quote in seconds. Agents can submit, compare options, bind, and receive policy documents in a single session without waiting for underwriter review. 12 of Ohio's 13 product lines run through the instant quote flow, covering the vast majority of E&S submissions in the state.

For referred submissions, currently only Monoline Wind in Ohio, Pathpoint's brokerage team shops the risk across the carrier panel. The median turnaround for referred Ohio submissions is approximately 22 hours. The mean is higher due to a small number of long-tail cases, but most referred accounts are resolved within a business day. The agent workflow is the same either way: quotes arrive in the same portal, with no additional steps required from the agent's side.

Which carriers are available in Ohio?

18 distinct carriers quoted Ohio submissions in the trailing 12 months. Active carriers include Westchester, The Hartford, Crum and Forster, Nautilus, Vave, Markel, Baleen Specialty, Penn-America, At-Bay, AU Gold, Kinsale, LIO, MUSIC, Ategrity SMB, Crum and Forster SMB, Ategrity, West Congress, and District Cover. When a submission is received, the platform evaluates each carrier's appetite by class code, location, risk size, and loss history, then surfaces the best available options. Multi-carrier quoting is available where carrier appetite overlaps, allowing agents to compare pricing and terms before committing to a bind.

These 18 carriers collectively support all 13 Ohio product lines, from Contractors and LRO to Cyber and Vacant Building. Coverage spans 216+ class codes, meaning agents can place a wide range of Ohio commercial risks without switching platforms. Pathpoint continuously expands its carrier relationships in Ohio, and newly onboarded carriers are automatically added to the routing logic for eligible submissions.

Where is Pathpoint's appetite strongest in Ohio?

11 of Ohio's 13 product lines carry strong appetite, defined as an account quote rate at or above 50%. Those lines are Contractors (83% quote rate), LRO (94%), Contractors Excess (77%), Vacant Building (59%), Restaurants (90%), Manufacturing (76%), Retail and Services (76%), Cyber (73%), Vacant Land (67%), Churches (73%), and LRO Excess (80%). Strong-appetite lines have the deepest carrier coverage on the platform, the most competitive pricing, and the highest bind rates across the trailing 12 months.

One product line, Monoline Property, sits in the mid tier with a 47.8% account quote rate. Nearly half of submissions receive a quote, but selectivity is higher than in the strong-tier lines. Monoline Wind is the single emerging-tier line in Ohio, carrying a 0% account-level quote rate in the current period. Pathpoint is actively adding carrier partnerships for Monoline Wind in Ohio, and agents can still submit risks for brokerage team placement while that work continues.

What are the surplus lines requirements in Ohio?

Ohio's surplus lines premium tax rate is 5.0%. Ohio does not operate a surplus lines stamping office, so there is no separate filing step with a state intermediary. Pathpoint calculates the applicable tax automatically at checkout and files all required surplus lines documentation electronically as part of binding. Agents do not need to interact with the Ohio Department of Insurance directly for compliance filings. The regulatory workflow is handled from submission through policy issuance.

Ohio follows the Nonadmitted and Reinsurance Reform Act (NRRA) home-state filing method, meaning the full premium tax is remitted to Ohio when Ohio is the insured's home state. Diligent search requirements, which specify the number of admitted-market declinations required before placing with a surplus lines carrier, should be confirmed with the Ohio Department of Insurance. Specific declination counts were not available in the data used to build this page. Pathpoint automates diligent search documentation on all filings, and agents can retrieve that documentation directly from their account portal.

Surplus Lines Tax: 5.0%
Stamping Office: None
Diligent Search: unknown
Filing Method: Home state

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

Quoting an Ohio E&S risk on Pathpoint follows four steps. First, the agent submits risk details through the portal, covering class code, location, limits, and relevant risk characteristics. Second, the platform routes the submission to the carrier panel and returns a quote. 71.2% of Ohio submissions receive an instant, bindable quote in seconds. The remaining submissions are referred and typically resolved by the brokerage team within 22 hours. Third, the agent selects a quote and requests bind. Pathpoint handles all required Ohio surplus lines filings electronically, with the 5.0% surplus lines tax calculated and applied at checkout. Fourth, policy documents are issued directly to the agent.

No surplus lines license is required to place business through Pathpoint. Pathpoint acts as the licensed surplus lines broker of record on all Ohio policies, managing the regulatory and compliance requirements on behalf of retail agents. Agents earn a standard retail commission and pay no fees for opening an account or submitting risks. There is no minimum volume requirement, so the platform works for agents placing their first Ohio E&S submission and for high-volume shops alike.

What does E&S insurance cost in Ohio?

Across 307 bound Ohio policies in the trailing 12 months, the average bound premium is $2,879, excluding taxes and fees. Premiums vary by product line and risk characteristics. Contractors averages $2,512, with a typical P25-P75 range of $881 to $3,067. LRO averages $2,650, ranging from $527 to $3,876. Monoline Property averages $4,341, ranging from $1,972 to $4,994. Contractors Excess averages $1,818, ranging from $1,218 to $1,851. Vacant Building averages $3,365, ranging from $744 to $4,282. Restaurants averages $4,569, ranging from $797 to $5,380. These figures reflect actual bound policies and will shift based on limits, deductibles, class code, and loss history.

E&S premiums are generally higher than admitted-market premiums because surplus lines carriers accept risks that admitted carriers have declined or cannot rate. They price for elevated uncertainty and non-standard characteristics. Pathpoint's 18-carrier panel creates competition across quotes, and agents frequently receive multiple options to compare before binding. The final premium is determined at the quote stage, with no obligation before a bind request is submitted.

There is no fee to open a Pathpoint account or to submit risks for quoting. Agents earn a standard retail commission on each bound policy. Ohio's 5.0% surplus lines tax is calculated automatically at the point of bind and passed through to the insured as part of the total cost. Agents do not need to calculate or remit the tax separately.

Frequently Asked Questions: E&S Insurance in Ohio

Pathpoint currently offers 13 Excess and Surplus (E&S) product lines in Ohio covering 216+ class codes. Twelve of the 13 lines are instant-quotable, which is 92.3% of all lines available. Agents receive a bindable quote in seconds after submitting. The top lines by trailing-12-month bind volume are Contractors (118 policies), LRO or Lessor's Risk Only (76 policies), and Monoline Property (55 policies). The single referred line is Monoline Wind, placed manually by Pathpoint's brokerage team with a median turnaround of about 22 hours.

Ohio's surplus lines premium tax rate is 5.0%. Ohio does not have a surplus lines stamping office, so there is no separate stamping step required. Pathpoint calculates the tax automatically at the point of bind and files all required surplus lines documentation electronically. The tax is applied at checkout and passed through to the insured. Agents do not need to calculate or remit the tax separately.

71.2% of Ohio account submissions receive an instant quote in seconds once the application is submitted. Agents can submit, review quotes, bind, and receive policy documents in a single session. For the remaining submissions, currently just Monoline Wind in Ohio, Pathpoint's brokerage team returns quotes within a median of 22 hours. The same portal handles both instant and referred submissions, so agents follow the same workflow regardless of the path.

No. Retail agents do not need a surplus lines license to place business through Pathpoint in Ohio. Pathpoint serves as the licensed surplus lines broker of record on all policies, managing all regulatory and compliance obligations on behalf of the placing agent. Agents earn a standard retail commission and pay no fees to open an account or submit risks. There is also no minimum volume requirement.

18 distinct carriers quoted Ohio submissions in the trailing 12 months, including Westchester, The Hartford, Crum and Forster, Nautilus, Vave, Markel, Baleen Specialty, Penn-America, At-Bay, AU Gold, and Kinsale, among others. When a submission is received, the platform evaluates each carrier's appetite by class code, location, limits, and loss history, then surfaces the best available options. Multi-carrier quoting is available where carrier appetites overlap, letting agents compare pricing before binding.

A referred submission means the risk falls outside the parameters of the instant-quote flow and requires manual underwriter review. In Ohio, Monoline Wind is currently the only referred product line. When an agent submits a Monoline Wind risk, Pathpoint's brokerage team shops the risk across the carrier panel and returns a quote with a median turnaround of about 22 hours. The agent receives the quote in the same portal and follows the same bind process. No extra steps are required on the agent's side.

The average bound premium across 307 Ohio policies in the trailing 12 months is $2,879, excluding taxes and fees. Premiums vary by product line: Contractors averages $2,512 (typical range $881 to $3,067), LRO averages $2,650 ($527 to $3,876), Monoline Property averages $4,341 ($1,972 to $4,994), and Restaurants averages $4,569 ($797 to $5,380). Exact pricing is determined at the quote stage based on class code, limits, risk size, and loss history. Ohio's 5.0% surplus lines tax is added at checkout.

Ohio does not operate a surplus lines stamping office, so filings go directly to the state rather than through an intermediary. Pathpoint handles this automatically: all required surplus lines documentation is filed electronically as part of the binding process under the Nonadmitted and Reinsurance Reform Act (NRRA) home-state method. The 5.0% premium tax is calculated at checkout and remitted to Ohio by Pathpoint on behalf of the insured. Agents do not need to interact with the Ohio Department of Insurance directly for any compliance step.