Accurate, real-time surplus lines tax calculations for all 50 states + DC. Simple REST API with detailed breakdowns of state taxes, stamping fees, fire marshal taxes, and regulatory charges.
100 free queries included. No credit card required.
# Request
curl -X POST https://api.surpluslinesapi.com/v1/calculate \
-H "X-API-Key: YOUR_API_KEY" \
-H "Content-Type: application/json" \
-d '{
"state": "Texas",
"premium": 10000
}'
# Response
{
"success": true,
"state": "Texas",
"premium": 10000,
"taxes": {
"sl_tax": 485.00,
"tax_rate": 0.0485,
"stamping_fee": 4.00,
"stamping_fee_rate": 0.0004
},
"total_tax": 489.00,
"total_due": 10489.00
}Surplus lines insurance (also called excess and surplus or E&S insurance) provides coverage for risks that standard admitted carriers won't insure. When placing coverage with non-admitted carriers, surplus lines brokers must collect and remit surplus lines taxes to the state where the insured risk is located.
Each state sets its own surplus lines tax rates and fees, which typically include:
Our Surplus Lines Tax API eliminates manual lookups and calculations by providing instant, accurate tax breakdowns for any state and premium amount.
Everything you need for accurate surplus lines tax calculations
Complete coverage including state taxes, stamping fees, fire marshal taxes, and all other applicable charges for every U.S. jurisdiction including Puerto Rico and US Virgin Islands.
We monitor regulatory changes continuously and update our database immediately when rates change. Never calculate with outdated surplus lines tax data again.
Get results in milliseconds. Our API is designed to handle high-volume requests without sacrificing accuracy or reliability for your insurance workflows.
Every response includes itemized calculations: state tax, stamping fee, fire marshal tax, surcharges, regulatory fees, and any other applicable charges by jurisdiction.
Clean JSON responses, comprehensive documentation, and code examples in cURL, Python, JavaScript, PHP, and more make integration straightforward.
All calculations include references to legislative sources so you can verify rates and demonstrate compliance to regulators and auditors.
Trusted by insurance professionals across the industry
Automate tax calculations for policy quotes and submissions. Ensure accurate tax collection on every E&S placement across multiple states.
Integrate surplus lines tax calculations directly into your agency management system. Streamline workflows and reduce manual data entry errors.
Build tax calculations into your binding platforms and quote systems. Scale operations without adding compliance overhead.
Add surplus lines tax capabilities to your insurance technology solutions. Provide instant, accurate calculations via API integration.
Get started in minutes with our straightforward REST API
curl -X POST https://api.surpluslinesapi.com/v1/calculate \
-H "X-API-Key: YOUR_API_KEY" \
-H "Content-Type: application/json" \
-d '{"state": "California", "premium": 25000}'import requests
response = requests.post(
"https://api.surpluslinesapi.com/v1/calculate",
headers={
"X-API-Key": "YOUR_API_KEY",
"Content-Type": "application/json"
},
json={
"state": "California",
"premium": 25000
}
)
result = response.json()
print(f"Total Tax: ${result['total_tax']}")const response = await fetch('https://api.surpluslinesapi.com/v1/calculate', {
method: 'POST',
headers: {
'X-API-Key': 'YOUR_API_KEY',
'Content-Type': 'application/json'
},
body: JSON.stringify({
state: 'California',
premium: 25000
})
});
const result = await response.json();
console.log(`Total Tax: $${result.total_tax}`);$ch = curl_init('https://api.surpluslinesapi.com/v1/calculate');
curl_setopt_array($ch, [
CURLOPT_RETURNTRANSFER => true,
CURLOPT_POST => true,
CURLOPT_HTTPHEADER => [
'X-API-Key: YOUR_API_KEY',
'Content-Type: application/json'
],
CURLOPT_POSTFIELDS => json_encode([
'state' => 'California',
'premium' => 25000
])
]);
$response = curl_exec($ch);
$result = json_decode($response, true);
echo "Total Tax: $" . $result['total_tax'];Pay only for what you use. No hidden fees or long-term contracts.
No credit card required for free tier
Complete coverage for all U.S. jurisdictions
Our API provides accurate surplus lines tax calculations for: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, U.S. Virgin Islands, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.
Each state calculation includes all applicable fees: state premium tax, stamping office fees, fire marshal tax, regulatory surcharges, and any special assessments unique to that jurisdiction.
Try our free online surplus lines tax calculator. No account required. Perfect for one-off calculations.
Three simple endpoints for all your surplus lines tax needs
/v1/calculate
Calculate surplus lines taxes for a given state and premium amount. Returns detailed breakdown of all applicable fees including state tax, stamping fee, and regulatory charges.
View Documentation →/v1/rates
Retrieve current surplus lines tax rates for all states or filter by specific state. Includes all fee types with legislative source references.
View Documentation →/v1/states
Get a list of all supported states and territories for quick reference and dropdown population.
View Documentation →Join insurance professionals who trust Surplus Lines API for accurate, instant tax calculations across all 50 states.