Last updated March 20, 2026

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

Pathpoint offers 12 Excess and Surplus (E&S) product lines in Texas covering 354+ class codes, including Contractors, Monoline Property, and LRO. 71.1% of submissions receive an instant, bindable quote in roughly 310 seconds. The platform partners with 25+ carriers, handles all Texas surplus lines compliance automatically (including Surplus Lines Stamping Office of Texas (SLTX) filings, tax calculation at 4.85%, and diligent search documentation), with an average bound premium of $4,350 across all product lines.

Key Takeaways

12 E&S product lines covering 354+ class codes in Texas
71.1% of submissions receive instant, bindable quotes in ~310 seconds
25+ carrier partners including 23 domestic surplus lines insurers and 2 Lloyd's syndicates
Surplus lines tax of 4.85%, filed automatically through the SLTX stamping office
Average bound premium of $4,350 across all Texas product lines

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

Texas agents on Pathpoint can currently quote 12 E&S product lines covering 354+ distinct class codes. The full lineup includes Contractors (116 class codes), Contractors Excess (95 class codes), Cyber (37 class codes), Retail & Services (29 class codes), Manufacturing (24 class codes), LRO (17 class codes), Restaurants (17 class codes), LRO Excess (14 class codes), Vacant Building (3 class codes), Vacant Land (2 class codes), Monoline Property, and Monoline Wind. By trailing 12-month bind volume, the top three lines are Contractors (991 binds), Monoline Property (882 binds), and LRO (780 binds), all of which carry strong appetite from Pathpoint's carrier partners.

Of the 12 available product lines, 11 (91.7%) are instant-quotable, meaning agents receive a bindable quote without underwriter review. The remaining line, Monoline Wind, is referred to Pathpoint's brokerage team for manual placement. Referred submissions are typically returned within 18.5 hours. This mix gives Texas agents broad access to both automated and broker-assisted E&S placement through a single platform, covering everything from standard contractors liability to wind-exposed property risks.

Full class list · Ranked by bind volume

#	Product	Class Codes	Top Classes	Quote Type	Appetite
1	Contractors	116	Contractors–Subcontracted Work–In Connection with Building Construction, Reconstruction, Repair or Erection–One- or Two-Family Dwellings, Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Repair or Erection of Buildings, Remodeling Contractor, Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Erection or Repair–Not Buildings, Contractors–Executive Supervisors or Executive Superintendents	⚡ Instant	Strong
2	Monoline Property	N/A	N/A (no class codes)	⚡ Instant	Emerging
3	LRO	17	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, Apartment Buildings, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured–Other Than Not-For-Profit	⚡ Instant	Strong
4	Contractors Excess	95	Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Repair or Erection of Buildings, Contractors–Subcontracted Work–In Connection with Building Construction, Reconstruction, Repair or Erection–One- or Two-Family Dwellings, Contractors–Executive Supervisors or Executive Superintendents, Remodeling Contractor, Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Erection or Repair–Not Buildings	⚡ Instant	Active
5	Vacant Building	3	Vacant Buildings–Not Factories–Other Than Not-For-Profit, Vacant Buildings–Not Factories–Not-For-Profit Only	⚡ Instant	Emerging
6	Restaurants	17	Restaurants–with No Sale of Alcoholic Beverages–with Table Service, 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–without Dance Floor: No Table Service, Restaurants–with Sale of Alcoholic Beverages that are 75% or More of Total Annual Receipts of the Restaurants–Bar Service Only (No Tables): without Dance Floor, 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	⚡ Instant	Strong
6	Vacant Land	2	Vacant Land–Other Than Not-For-Profit, Vacant Land–Not-For-Profit Only	⚡ Instant	Active
8	Retail & Services	29	Food Trucks and Trailers – Mobile Concessions, Clothing or Wearing Apparel Stores–Other Than Not-For-Profit, Grocery Stores, Barber Shops, Convenience Stores – No Gas Station, Car Wash or Restaurant	⚡ Instant	Active
9	LRO Excess	14	Apartment Buildings–Garden, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit, Apartment Buildings, Dwellings–Four-Family (Lessor's Risk Only), Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Not-For-Profit Only	⚡ Instant	Active
10	Manufacturing	24	Cosmetics Mfg., Food Products Mfg.–Dry, Food Products Mfg.–Not Dry–In Glass Containers, Beer, Ale or Malt Liquor Mfg.–In Bottles, Liquor Mfg.	⚡ Instant	Active
11	Cyber	37	Custom Computer Programming Services, Tax Preparation Services, Nonresidential Property Managers, Computer Systems Design Services, Insurance Agencies and Brokerages	⚡ Instant	Emerging
11	Monoline Wind	N/A	N/A (no class codes)	↗ Referred	Emerging

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

71.1% of Texas account submissions on Pathpoint receive an instant quote, with a median turnaround of approximately 14 seconds and an average of about 310 seconds across all auto-quoted submissions. The instant quoting experience is fully digital: an agent enters the account details, the platform routes to all eligible carriers simultaneously, and bindable quotes are returned without any underwriter interaction. For the 11 instant-eligible product lines in Texas, agents routinely move from submission to bound policy in a single work session.

For referred and complex risks, Pathpoint's brokerage team manually reviews the submission, shops the account across the carrier panel, and returns quotes within a median of 18.5 hours. The agent workflow is the same whether a submission is instant or referred. Agents submit through the same interface, receive a notification when quotes are ready, and can review and bind from the platform without separate broker negotiations or additional steps.

Which carriers are available in Texas?

25 carriers actively quote Texas risks on Pathpoint, comprising 23 domestic surplus lines insurers (including Kinsale, Nautilus, Penn-America, and The Hartford) and 2 Lloyd's of London syndicates (LIO and District Cover). When an agent submits an account, the platform evaluates carrier appetite by class code, location, risk size, and loss history, then routes to all eligible carriers automatically. Agents see every returned quote side by side, making it straightforward to compare terms, limits, and pricing without manual outreach to individual carriers.

The 25-carrier panel covers all 12 product lines available in Texas, from Contractors (116 class codes) and Monoline Property to Cyber (37 class codes) and Manufacturing (24 class codes). Multi-carrier quoting is available on most lines, meaning agents frequently receive competing offers on a single submission. Pathpoint continues to expand carrier relationships in Texas, particularly in emerging lines like Cyber and Monoline Wind where the current panel is still growing.

Where is Pathpoint's appetite strongest in Texas?

Pathpoint organizes its Texas appetite across three tiers based on account quote rates. Three product lines carry high appetite, meaning the strongest bind rates and most competitive pricing: LRO (94.5% account quote rate), Restaurants (91.5%), and Contractors (84.7%). These three lines also account for the largest share of Texas bind volume, with Contractors at 991 binds, Monoline Property at 882, and LRO at 780 over the trailing 12 months. Agents quoting in these categories will see the widest carrier selection and the fewest declinations.

Five product lines sit in the mid tier (65-80% quote rate), indicating active but more selective appetite: Contractors Excess, LRO Excess, Vacant Land, Retail & Services, and Manufacturing. Four lines are emerging (below 65%), where Pathpoint is actively expanding carrier partnerships: Monoline Property (58.4%), Vacant Building (62.7%), Cyber (64.9%), and Monoline Wind. For emerging-tier submissions, the referred workflow may apply and Pathpoint's brokerage team manually shops the risk to maximize placement options.

What are the surplus lines requirements in Texas?

Texas surplus lines policies carry a 4.85% tax rate, which includes the Surplus Lines Stamping Office of Texas (SLTX) stamping fee. All surplus lines filings in the state must go through SLTX, the state's designated stamping authority. Pathpoint files electronically with SLTX as part of the binding process, so agents never interact with the stamping office directly. The 4.85% tax is calculated automatically at checkout and applied to the gross premium before the policy is issued.

Texas requires agents to document a diligent search of the admitted market before placing coverage in the surplus lines market, with a standard of 3 declinations from admitted carriers. Pathpoint automates this documentation as part of the submission and binding workflow, generating the required declination records without manual effort from the retail agent. Texas follows home-state filing, meaning the SLTX filing covers the full policy regardless of where the insured operates, consistent with the Nonadmitted and Reinsurance Reform Act (NRRA).

Surplus Lines Tax: 4.85%
Stamping Office: SLTX (Surplus Lines Stamping Office of Texas)
Diligent Search: 3 declinations
Filing Method: Home state

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

Quoting Excess and Surplus (E&S) insurance through Pathpoint in Texas follows four steps. First, the agent submits account details including class code, location, limits, and loss history through the platform. Second, Pathpoint routes the submission to eligible carriers from its 25-carrier Texas panel and returns quotes, with 71.1% of accounts receiving at least one instant quote in roughly 310 seconds. Third, once the agent selects a quote and requests to bind, the platform handles SLTX stamping office filings and applies the 4.85% surplus lines tax automatically. Fourth, policy documents are issued through the platform and delivered to the agent without any additional broker coordination.

Retail agents do not need a Texas surplus lines license to use Pathpoint. Pathpoint serves as the licensed surplus lines broker of record for every Texas placement, which means the compliance burden, SLTX registration, and diligent search documentation all sit with Pathpoint. Agents earn standard retail commissions on every bound policy. There is no platform fee, no subscription cost, and no minimum volume requirement to access the full Texas product line and carrier panel.

What does E&S insurance cost in Texas?

The average bound premium across all Texas product lines on Pathpoint is $4,350. Premiums vary by product line, risk class, limits selected, and loss history. Among the top three lines by volume, Contractors averages $3,534 per policy with a typical range of $1,043 to $4,294. Monoline Property averages $6,373 with a typical range of $1,985 to $8,187. LRO averages $3,752 with a typical range of $501 to $4,684. These figures reflect actual bound premiums from the trailing 12 months, before the 4.85% surplus lines tax.

E&S premiums are generally higher than admitted market pricing because surplus lines carriers accept risks that standard markets decline, including non-standard construction classes, higher occupancy hazards, and accounts with prior losses. Multi-carrier quoting on Pathpoint means agents see competing offers from up to 25 carriers on a single submission, which keeps pricing as competitive as the E&S market allows. Exact premium figures are confirmed at the quote stage, and there is no obligation to bind after receiving a quote.

There is no cost to use Pathpoint. Agents earn standard retail commissions on every bound Texas policy, and the platform charges no additional fee. The 4.85% surplus lines tax is calculated automatically at checkout and passed through to the insured as a line item on the policy invoice. Agents do not need to calculate or remit the tax separately, and all SLTX stamping fees are embedded in the 4.85% rate.

Frequently Asked Questions: E&S Insurance in Texas

Pathpoint offers 12 E&S product lines in Texas covering 354+ class codes. The lineup includes Contractors (116 class codes), Contractors Excess (95), Cyber (37), Retail & Services (29), Manufacturing (24), LRO (17), Restaurants (17), LRO Excess (14), Vacant Building (3), Vacant Land (2), Monoline Property, and Monoline Wind. 11 of the 12 lines (91.7%) support instant quoting. Monoline Wind is the only referred line, with quotes returned within 18.5 hours. By bind volume over the trailing 12 months, the top three are Contractors (991 binds), Monoline Property (882), and LRO (780).

The surplus lines tax rate in Texas is 4.85%, which includes the Surplus Lines Stamping Office of Texas (SLTX) stamping fee. Pathpoint calculates and applies this tax automatically at checkout, so agents do not need to compute or remit it separately. The 4.85% is applied to the gross premium and passed through to the insured as a line item on the policy invoice. All SLTX filings are submitted electronically by Pathpoint as part of the binding workflow.

71.1% of Texas submissions on Pathpoint receive an instant quote, with an average turnaround of about 310 seconds. The median for instant quotes is roughly 14 seconds. For the 11 instant-eligible product lines, agents can submit an account, receive bindable quotes from multiple carriers, and complete a bind in a single work session. For referred submissions (primarily Monoline Wind), Pathpoint's brokerage team returns quotes within a median of 18.5 hours using the same platform interface.

No, retail agents do not need a Texas surplus lines license to use Pathpoint. Pathpoint serves as the licensed surplus lines broker of record for every Texas placement. This means Pathpoint handles all SLTX registration, stamping office filings, diligent search documentation, and tax remittance on the agent's behalf. Agents earn standard retail commissions on every bound policy. There is no platform fee, no minimum volume requirement, and no cost to open a Pathpoint account.

Pathpoint works with 25 carriers that actively quote Texas risks, including 23 domestic surplus lines insurers such as Kinsale, Nautilus, Penn-America, and The Hartford, plus 2 Lloyd's of London syndicates (LIO and District Cover). When an agent submits a risk, the platform routes to all eligible carriers based on class code, location, risk size, and loss history. Agents see every returned quote in one view without needing to contact carriers directly. The panel spans all 12 Texas product lines.

A referred product line means the submission cannot be auto-quoted and requires manual review by Pathpoint's brokerage team. In Texas, Monoline Wind is the only referred line. When an agent submits a Monoline Wind account, the brokerage team reviews the risk, shops it across the carrier panel, and returns a quote within a median of 18.5 hours. The agent workflow is the same as for instant lines: submit through the platform, receive a notification when quotes are ready, then review and bind from the same interface.

The average bound premium across all Texas E&S product lines on Pathpoint is $4,350, before the 4.85% surplus lines tax. By line, Contractors averages $3,534 (typical range $1,043 to $4,294), Monoline Property averages $6,373 (typical range $1,985 to $8,187), and LRO averages $3,752 (typical range $501 to $4,684). Exact premiums depend on class code, limits, location, and loss history. Agents receive firm, bindable quotes at the quote stage with no obligation to bind.

Texas requires all surplus lines policies to be filed with the Surplus Lines Stamping Office of Texas (SLTX). Pathpoint submits these filings electronically as a standard part of the binding process. Agents do not interact with SLTX directly and do not need to track filing deadlines or submission requirements. Once an agent binds a policy through Pathpoint, the SLTX filing is initiated automatically. The 4.85% tax (inclusive of the SLTX stamping fee) is also calculated and applied at checkout without any manual steps from the retail agent.