{"uid":"cap_L8MoyDNptZ9M0WynvCnJ5","slug":"querylines-surplus-lines-insurer-financials-033762f5","name":"QueryLines Surplus Lines Insurer Financials","description":"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.","url":"https://api.querylines.com/v1/financials","method":"GET","headers":{},"bodySchema":{"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"}}}}},"responseSchema":{"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"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.1","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.1/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_V7igmKY5dS7hMP2rYNNzW","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.1","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"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.","exampleAgentPrompt":"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.","exampleUseCases":[{"title":"Carrier due diligence for E&S placement","prompt":"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."},{"title":"Monitoring insurer solvency metrics","prompt":"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."},{"title":"Research E&S market share by insurer","prompt":"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."}],"resultDescription":"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.","failureModes":["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"],"whenToPreferThis":"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.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T12:49:58.873Z","isFirstParty":false}