# QueryLines E&S Insurance Premium Summary

> QueryLines E&S Insurance Premium Summary is a paid API for AI agents from api.querylines.com, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-14).

Returns year-over-year summary of U.S. excess & surplus lines insurance premium and policy counts for a given state and year, including totals, prior-year comparison, and YoY percent change.

## Facts

- Endpoint: GET https://api.querylines.com/v1/premium/summary
- Price: $0.1/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-premium-summary-96e18bb8
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_l49dALnBSo87ugasOEtV1

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-premium-summary-96e18bb8
```

Example prompt: Can you pull the excess and surplus lines insurance premium summary for Florida for 2023, including the year-over-year change from 2022?

## When to prefer this

Use this endpoint when you need a concise year-over-year snapshot of E&S insurance premium and policy counts for a single U.S. state and year, including prior-year comparison and percent change. Prefer this over the time-series endpoint when you only need a single-year summary with YoY delta rather than a full historical series, and over the comparison endpoint when you are not cross-comparing multiple states simultaneously.

## Known failure modes

- Missing or invalid state code returns a 400 error
- Unsupported or future year with no data returns a 404 or empty result
- Invalid year format (non-integer) returns a validation error
- State with no stamping office data may return empty or null fields
- Payment failure (x402) if USDC balance is insufficient

## How this service works

Year-over-year summary of U.S. excess & surplus (E&S / surplus lines) insurance premium and policy counts for a state and year: totals, prior-year comparison, and YoY percent change. Aggregated from state stamping office publications with source attribution. $0.10 per query. Docs: https://api.querylines.com/openapi.json

## Output

Returns a structured JSON object containing the total E&S insurance premium and policy count for the requested state and year, the prior-year values, the year-over-year dollar and percentage change, and attribution to the source stamping office publication.

## 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": [
      "state",
      "year"
     ],
     "properties": {
      "year": {
       "type": "integer",
       "description": "Calendar year, e.g. 2026"
      },
      "state": {
       "type": "string",
       "description": "Two-letter state code, e.g. FL"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "year": 2026,
  "state": "FL",
  "source": "FSLSO FL Monthly Premium Report, June 2026",
  "premium": 5354605130,
  "data_as_of": "2026-06",
  "prior_year": {
   "year": 2025,
   "premium": 5941878187,
   "policy_count": 469532,
   "months_available": 3
  },
  "report_date": "2026-06-30",
  "policy_count": 554724,
  "renewal_premium": null,
  "yoy_premium_pct": -9.88,
  "months_available": 3,
  "new_business_premium": null,
  "yoy_policy_count_pct": 18.14
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/querylines-e-s-insurance-premium-summary-96e18bb8/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)