# QueryLines Surplus Lines Insurer Financials > 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. ## Facts - Endpoint: GET https://api.querylines.com/v1/financials - 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-surplus-lines-insurer-financials-033762f5 - Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_L8MoyDNptZ9M0WynvCnJ5 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-surplus-lines-insurer-financials-033762f5 ``` Example prompt: Pull the surplus lines financial data for Houston Casualty Company — NAIC code 42374 — for fiscal year 2024, including their combined ratio, net premium, and capital surplus. ## When to prefer this 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. ## Known failure modes - 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 ## 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. ## 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" }, "year": { "type": "integer", "description": "Narrow to one fiscal year" }, "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": { "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 (fr … (truncated) ``` ## More - Live health (JSON, refreshed every minute): https://www.zero.xyz/c/querylines-surplus-lines-insurer-financials-033762f5/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)