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QueryLines Surplus Lines Insurer Financials
x402
QueryLines Surplus Lines Insurer Financials 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 multi-year financial statistics for a U.S. excess & surplus lines insurer, sourced from state stamping-office publications, identified by NAIC code or company name.
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 the insurer's FEIN, parent company name, and a time series array of annual financial metrics including gross and net premiums, losses incurred, combined ratio, capital surplus, total admitted assets, total liabilities, underwriting gain/loss, net income after tax, IRIS ratios, cash flow from operations, debt-to-equity ratio, state-level direct premiums, and more — each record sourced and dated from state stamping-office publications.
Example use cases
Carrier due diligence for E&S placement
“I need the last two years of financials for Scottsdale Insurance Company — look it up by NAIC code if you can — specifically net premium written, combined ratio, and capital surplus so I can assess their financial strength before binding a large surplus lines risk.”
Monitoring insurer solvency metrics
“Can you pull the debt-to-equity ratio, IRIS ratios, and liabilities-to-assets ratio for a surplus lines carrier with NAIC code 10699 for fiscal year 2023? I want to flag any solvency warning signs.”
Research E&S market share by insurer
“What were the direct premiums written nationally and in Florida for Lloyd's syndicates or any E&S insurer named 'Landmark' for fiscal year 2022? I'm trying to understand their market footprint in the non-admitted space.”
Technical details
Endpoint
GEThttps://api.querylines.com/v1/financialsWhen to prefer
Use this endpoint when you need detailed, multi-year financial statistics for a specific U.S. excess and surplus lines insurer — especially when you need stamping-office-sourced data like combined ratios, IRIS ratios, or state-level direct premium breakdowns. Prefer this over general financial databases when the carrier is non-admitted and the data must be sourced from E&S-specific regulatory filings. It is pay-per-query with no subscription required, making it ideal for on-demand or low-frequency research tasks.
Side effects
- Unknown NAIC code or company name returns empty series array
- Partial company name with no match returns empty results
- Year filter outside available data range returns empty series
- Missing both 'naic' and 'insurer' query params may return an error or no results
- Payment failure via x402 results in 402 response before data is returned
- Data may be unavailable for carriers not filing with covered stamping offices
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"type": "json",
"example": {
"fein": "74-2195939",
"year": null,
"parent": "Illium, Inc",
"series": [
{
"losses": 1431946199,
"source": "FSLSO Insurer Financial Report, Houston Casualty Company, 2025 Annual",
"naic_id": "42374",
"fiscal_year": 2024,
"net_premium": 1667352891,
"period_type": "year",
"report_date": "2025-12-31",
"gross_premium": 2664141726,
"combined_ratio": 78,
"capital_surplus": 2595298237,
"total_liabilities": 3208020562,
"cash_flow_operations": 609739467,
"debt_to_equity_ratio": 123.6,
"net_income_after_tax": 617488850,
"losses_incurred_ratio": 46,
"total_admitted_assets": 5803318799,
"direct_premium_florida": 121296713,
"underwriting_gain_loss": 368045177,
"direct_premium_national": 1130102148,
"loss_adjustment_expenses": 91004447,
"premiums_agents_balances": 877252837,
"unrealized_capital_gains": -99397834,
"iris_ratios_outside_range": null,
"pct_direct_premium_florida": 10.7,
"liabilities_to_assets_ratio": 55.3,
"loss_expenses_incurred_ratio": 5,
"net_premium_to_surplus_ratio": 64.2,
"pab_pct_policyholders_surplus": 33.8,
"gross_premium_to_surplus_ratio": 102.7,
"other_uw_expense_incurred_ratio": 27
},
{
"losses": 1412852803,
"source": "FSLSO Insurer Financial Report, Houston Casualty Company, 2025 Annual",
"naic_id": "42374",
"fiscal_year": 2025,
"net_premium": 1563020856,
"period_type": "year",
"report_date": "2025-12-31",
"gross_premium": 3080206922,
"combined_ratio": 72,
"capital_surplus": 2452496443,
"total_liabilities": 3151884334,
"cash_flow_operations": 608794851,
"debt_to_equity_ratio": 128.5,
"net_income_after_tax": 474621263,
"losses_incurred_ratio": 38,
"total_admitted_assets": 5604380777,
"direct_premium_florida": 104073441,
"underwriting_gain_loss": 443643496,
"direct_premium_national": 1045945477,
"loss_adjustment_expenses": 95923029,
"premiums_agents_balances": 1058828550,
"unrealized_capital_gains": -27711708,
"iris_ratios_outside_range": null,
"pct_direct_premium_florida": 10,
"liabilities_to_assets_ratio": 56.2,
"loss_expenses_incurred_ratio": 5,
"net_premium_to_surplus_ratio": 63.7,
"pab_pct_policyholders_surplus": 43.2,
"gross_premium_to_surplus_ratio": 125.6,
"other_uw_expense_incurred_ratio": 29
}
],
"source": "FSLSO Insurer Financial Highlights (from each carrier's own NAIC annual statement)",
"edition": "4q25-annual",
"naic_id": "42374",
"website": "www.tmhcc.com",
"domicile": "Texas",
"data_as_of": "2025-12-31",
"main_office": "Houston, TX",
"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.",
"incorporation_date": "1981-04-28"
}
}Tags
x402
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