# QueryLines E&S Insurer Financial Distress Data

> 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.

## Facts

- Endpoint: GET https://api.querylines.com/v1/financials/distress
- 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-insurer-financial-distress-data-af076479
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_1eTCejjevLU4-ngMXbW-c

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-insurer-financial-distress-data-af076479
```

Example prompt: Pull the financial distress indicators for U.S. surplus lines carriers for fiscal year 2024 — I want to see combined ratios, capital surplus, and IRIS ratio outliers for the top 100 results.

## When to prefer this

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).

## Known failure modes

- 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

## 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.

## 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": {
      "year": {
       "type": "integer",
       "description": "Restrict to one fiscal year"
      },
      "limit": {
       "type": "integer",
       "default": 100,
       "description": "1-500"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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."
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/querylines-e-s-insurer-financial-distress-data-af076479/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)