# E&S Premium vs. Admitted-Market Rate Filing Activity (QueryLines)

> E&S Premium vs. Admitted-Market Rate Filing Activity (QueryLines) is a paid API for AI agents from api.querylines.com, paid per call via x402, $0.5/call, status unknown (last checked 2026-09-14).

Aligns surplus-lines (E&S) premium with YoY growth against SERFF admitted-market rate-filing activity period-by-period by coverage category, with optional lag shifting to test lead/lag relationships.

## Facts

- Endpoint: GET https://api.querylines.com/v1/rates/vs-premium
- Price: $0.5/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/e-s-premium-vs-admitted-market-rate-filing-activity-querylines-90fdf6a9
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_eLVPJoJv-OBj756Vg-RrS

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability e-s-premium-vs-admitted-market-rate-filing-activity-querylines-90fdf6a9
```

Example prompt: Pull the E&S premium vs. admitted-market SERFF rate filing comparison for Texas homeowners coverage, yearly granularity from 2018-01 to 2023-12, and shift the rate series back 1 year so I can see if E&S growth leads admitted-market rate increases.

## When to prefer this

Use this endpoint when you need to study the relationship between the E&S (surplus lines) insurance market and admitted-market rate-filing behavior — especially to test whether E&S premium growth is a leading indicator for admitted-market hardening. Prefer this over the raw rates or raw E&S endpoints when you specifically need both data families aligned in a single response with lag-shift capability.

## Known failure modes

- Invalid or unsupported state code returns error (only TX fully supported, CA/MS/WA limited)
- Coverage line not found in joined dataset returns empty or partial results
- Date range outside available data returns no rows
- Unsupported granularity for requested line (monthly/quarterly only available for line=all in TX)
- Missing required parameters returns 400 validation error
- Payment not processed (x402) returns 402 Payment Required

## How this service works

The leading-indicator join: E&S premium (with YoY growth) aligned period-by-period against admitted-market SERFF rate-filing activity (filing_count, avg_rate_change_pct, share_increasing, max_increase) on the shared coverage category. `lag` shifts the rate series back N periods to test the relationship. TX only; category join is annual, line=all also monthly/quarterly. Two aligned data families, not a prediction. $0.50/query. Free: /v1/rates/sample. Docs: https://api.querylines.com/openapi.json

## Output

Returns two aligned data series per period: E&S premium figures with YoY growth rates, and admitted-market SERFF rate filing metrics (filing count, average rate change %, share of filings with increasing rates, max increase), joined on the shared coverage category and optionally lag-shifted for lead/lag analysis.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "to": {
       "type": "string",
       "description": "YYYY-MM"
      },
      "lag": {
       "type": "integer",
       "default": 0,
       "description": "shift rate series back N periods"
      },
      "from": {
       "type": "string",
       "description": "YYYY-MM"
      },
      "line": {
       "type": "string",
       "description": "coverage category or all"
      },
      "state": {
       "type": "string",
       "description": "state with rate data (CA, MS, TX, WA); default TX"
      },
      "granularity": {
       "enum": [
        "month",
        "quarter",
        "year"
       ],
       "type": "string",
       "default": "year"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "lag": 1,
  "data": [
   {
    "period": "2023",
    "premium": 5828639373.87,
    "rate_period": "2022",
    "filing_count": 448,
    "max_increase": 85.6,
    "premium_yoy_pct": 39.16,
    "filings_with_pct": 436,
    "share_increasing": 0.5,
    "avg_rate_change_pct": 5.67
   },
   {
    "period": "2024",
    "premium": 6513015839.17,
    "rate_period": "2023",
    "filing_count": 491,
    "max_increase": 97,
    "premium_yoy_pct": 11.74,
    "filings_with_pct": 477,
    "share_increasing": 0.541,
    "avg_rate_change_pct": 7.72
   }
  ],
  "line": "property",
  "state": "TX",
  "data_as_of": "2024",
  "granularity": "year",
  "rate_source": "Texas Department of Insurance - P&C Rate Filings (open data)",
  "report_date": "2026-07-13",
  "coverage_note": "Two aligned data families, not a prediction. Premium is E&S/surplus-lines; the rate side is admitted-market SERFF rate-filing activity, a leading indicator. Category join is TX annual; `lag` shifts the rate series.",
  "premium_source": "SLTX Year to Year Comparison by Line of Business, 2025"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/e-s-premium-vs-admitted-market-rate-filing-activity-querylines-90fdf6a9/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.querylines.com](https://www.zero.xyz/host/api.querylines.com/llms.txt)