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QueryLines E&S Insurer Financial Distress Data
x402
QueryLines E&S Insurer Financial Distress Data 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 statutory financial health indicators (combined ratio, capital surplus, IRIS ratios) for U.S. excess & surplus lines insurance carriers, sourced from NAIC annual statements via FSLSO.
Price / call$0.1
Success—
StatusUnknown
How this service works
Surplus lines market data, per query. Pay-per-query API for U.S. excess & surplus (E&S) insurance market statistics, sourced from state stamping-office publications. Cents per call via x402 (USDC on Base). No account, no subscription.
Output
A JSON object containing a list of E&S insurance carriers with their NAIC ID, domicile state, fiscal year, company name, combined ratio, capital surplus (in dollars), and count of IRIS ratios outside acceptable range. Also includes metadata: total count, result limit, data source attribution (FSLSO NAIC annual statements), data as-of date, and a coverage note explaining that most financials are nationwide statutory data (not Florida-specific), and that IRIS ratios are sparse by design.
Example use cases
Screening distressed E&S carriers before placement
“I'm about to place a large commercial risk with a surplus lines carrier — can you pull the 2024 financial distress data for E&S insurers so I can check combined ratios and IRIS outliers before binding?”
Annual E&S market solvency review
“For our year-end report, pull the financial health indicators for excess and surplus lines carriers for fiscal year 2023, up to 200 results, so we can flag any with combined ratios over 100 or multiple IRIS ratios outside range.”
Monitoring a specific carrier's financial trajectory
“I need to check how VerTerra Insurance Company is doing financially — can you look up their combined ratio, capital surplus, and IRIS ratio data from the surplus lines distress endpoint for the most recent year available?”
Technical details
Endpoint
GEThttps://api.querylines.com/v1/financials/distressWhen to prefer
Use this endpoint when you need statutory financial health signals (combined ratio, capital surplus, IRIS ratios) specifically for U.S. excess & surplus lines carriers, sourced directly from NAIC annual statements via FSLSO. Prefer this over general insurance databases when you need E&S-specific distress screening without requiring a subscription, and when you want pay-per-query pricing in USDC. Not suited for admitted market carriers, A.M. Best ratings, or Florida-specific regulatory actions (use sibling endpoints for those).
Side effects
- Invalid year parameter returns empty or error response
- Limit out of range (outside 1-500) may return validation error
- No carriers matching filters returns empty carriers array
- Payment failure via x402/USDC results in 402 Payment Required before data is returned
- Stale data if FSLSO has not yet published the latest year's report
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"type": "json",
"example": {
"year": null,
"count": 3,
"limit": 3,
"source": "FSLSO Insurer Financial Highlights (from each carrier's own NAIC annual statement)",
"carriers": [
{
"naic_id": "10024",
"domicile": "Texas",
"fiscal_year": 2024,
"company_name": "VerTerra Insurance Company",
"combined_ratio": 101,
"capital_surplus": 74105172,
"iris_ratios_outside_range": 7
},
{
"naic_id": "10046",
"domicile": "Connecticut",
"fiscal_year": 2024,
"company_name": "Pacific Insurance Company, Limited",
"combined_ratio": 93,
"capital_surplus": 276850617,
"iris_ratios_outside_range": 7
}
],
"data_as_of": "2025-12-31",
"report_date": "2025-12-31",
"coverage_note": "NATIONWIDE statutory-statement financials, not an FL fact -- only direct_premium_florida and pct_direct_premium_florida are FL-specific. Ratios are stored exactly as the carrier's NAIC annual statement printed them, never recomputed, even when internally inconsistent for a heavy quota-share cedent. iris_ratios_outside_range is sparse and per fiscal year: NULL means not published for that year, never zero outside-range ratios. A.M. Best ratings are deliberately not included."
}
}Tags
x402
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