# QueryLines Reinsurer Financial Data

> QueryLines Reinsurer Financial 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 reinsurance recoverables and authorization status for a U.S. P/C insurance carrier, sourced from NAIC annual statements via FSLSO

## Facts

- Endpoint: GET https://api.querylines.com/v1/financials/reinsurers
- 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-reinsurer-financial-data-09c596d7
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_X7RWn_lTp7i3tA6D65Mx-

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-reinsurer-financial-data-09c596d7
```

Example prompt: Pull the reinsurer financial highlights for Houston Casualty Company — I want to see their gross reinsurance recoverables, which reinsurers are authorized, and whether anything is overdue past 120 days. Their NAIC code is 42374.

## When to prefer this

Use this endpoint when you need authoritative, statutory reinsurance recoverable data for a specific U.S. P/C or surplus lines carrier, sourced directly from NAIC annual statements via FSLSO. Prefer this over general insurer lookup endpoints when the specific question is about reinsurance counterparties, pooling arrangements, authorization status, or overdue recoverables. Best suited for due diligence, underwriting review, or financial analysis workflows where per-query pay-as-you-go access (no subscription) is preferred.

## Known failure modes

- Missing both 'naic' and 'insurer' parameters returns a validation error
- Partial company name match returns no results if string does not match FSLSO records
- Unknown NAIC code returns empty result set or 404
- Payment failure via x402/USDC results in 402 Payment Required before data is returned
- Data may be sparse for carriers that do not publish IRIS ratios or A.M. Best ratings

## 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

Returns a JSON object with the carrier's NAIC ID, company name, data-as-of and report dates, source publication, and an array of reinsurer records each containing reinsurer name, reinsurance class (e.g. US Affiliated Pooling), authorization status, gross recovery amount in dollars, and days overdue over 120 days. Data reflects the carrier's own NAIC annual statutory statement.

## 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": {
      "naic": {
       "type": "string",
       "description": "Authoritative NAIC company code"
      },
      "insurer": {
       "type": "string",
       "description": "Company name (partial match); requires this or naic"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "count": 5,
  "source": "FSLSO Insurer Financial Highlights (from each carrier's own NAIC annual statement)",
  "naic_id": "42374",
  "data_as_of": "2025-12-31",
  "reinsurers": [
   {
    "authorization": "authorized",
    "gross_recovery": 1647358000,
    "reinsurer_name": "U.S. Specialty Insurance Co.",
    "reinsurance_class": "US Affiliated Pooling",
    "over_120_days_overdue": 0
   },
   {
    "authorization": "authorized",
    "gross_recovery": 249944000,
    "reinsurer_name": "American Contractors Indem Co.",
    "reinsurance_class": "US Affiliated Pooling",
    "over_120_days_overdue": 0
   }
  ],
  "report_date": "2025-12-31",
  "company_name": "Houston Casualty Company",
  "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-reinsurer-financial-data-09c596d7/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)