# QueryLines E&S Insurance Cross-State Compare

> QueryLines E&S Insurance Cross-State Compare 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).

Compare excess & surplus lines insurance premium and policy-count time series across multiple U.S. states side by side, normalized by coverage category.

## Facts

- Endpoint: GET https://api.querylines.com/v1/compare
- 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/querylines-e-s-insurance-cross-state-compare-fbd2432b
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_QLSBDto-tiaZYGScN5FC0

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 querylines-e-s-insurance-cross-state-compare-fbd2432b
```

Example prompt: Can you pull a side-by-side comparison of excess and surplus lines insurance premiums for Florida, Texas, and California from January 2021 through December 2023, broken out quarterly across all coverage lines?

## When to prefer this

Use this endpoint when you need to compare E&S/surplus lines insurance market data across two or more U.S. states simultaneously with normalized coverage categories. Prefer this over the single-state time series endpoint when cross-state benchmarking or market share analysis is the goal. Ideal for insurance analysts, regulators, or market researchers comparing state-level surplus lines market trends.

## Known failure modes

- Invalid or unsupported state codes return a 400 error
- Date range outside available data window returns empty series or 404
- Malformed YYYY-MM date format causes validation error
- Unsupported coverage line category causes error
- Missing required 'states' parameter returns 400
- Payment failure (x402) causes 402 response blocking data access

## How this service works

Compare U.S. excess & surplus (E&S / surplus lines) insurance premium and policy-count series across multiple states side by side, on normalized cross-state coverage categories. Aggregated from state stamping office publications with source attribution. $0.50 per query. Docs: https://api.querylines.com/openapi.json

## Output

Returns a normalized cross-state time series of E&S insurance premium amounts and policy counts, organized by state and coverage category, with source attribution from state stamping office publications, aligned to the requested granularity (month/quarter/half/year).

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "states"
     ],
     "properties": {
      "to": {
       "type": "string",
       "pattern": "^\\d{4}-\\d{2}$",
       "description": "Month as YYYY-MM"
      },
      "from": {
       "type": "string",
       "pattern": "^\\d{4}-\\d{2}$",
       "description": "Month as YYYY-MM"
      },
      "line": {
       "type": "string",
       "default": "all",
       "description": "Coverage line or normalized category; 'all' for totals"
      },
      "states": {
       "type": "string",
       "description": "Comma-separated two-letter state codes, e.g. FL,TX or FL,CA"
      },
      "granularity": {
       "enum": [
        "month",
        "quarter",
        "half",
        "year"
       ],
       "type": "string",
       "default": "month"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "line": "all",
  "series": {
   "FL": [
    {
     "period": "2026-06",
     "premium": 1877013891,
     "policy_count": 204624,
     "renewal_premium": null,
     "new_business_premium": null
    }
   ]
  },
  "source": {
   "FL": "FSLSO FL Monthly Premium Report, June 2026"
  },
  "data_as_of": "2026-06",
  "granularity": "month",
  "report_date": "2026-06-30"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/querylines-e-s-insurance-cross-state-compare-fbd2432b/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)