Forms vary by carrier
Sublimits and class limitations differ. Each carrier card flags them before you submit.
Find E&S and Specialty Markets by Coverage, State, and Industry
See which surplus lines and specialty carriers write the risk, how you can reach each one, and what the file needs. Then submit from one place, free for every agent.
What changes when a risk goes E&S
Three things show up on every surplus lines account, and where Agency Height steps in.
Fees on every quote
Surplus lines tax, stamping fees, and minimum earned premium show on the quote.
Filing handled
Our wholesale underwriter files the policy and pays the state tax. No license needed.
Everything you need to submit an E&S risk
Appetite, access, and a wholesale underwriter in one platform, from first look to submitted file.
Appetite by class
Know who writes it and how to reach them
Search by coverage, state, and industry. Each carrier card shows the market type, appetite notes, and your next step.
WHOLESALE SUBMISSION
Submit through our wholesale underwriter
Send the risk to Agency Height's wholesale underwriting team, even without a direct carrier appointment.
Multi-Carrier Submission
Send one risk to several E&S markets at once
When more than one carrier fits, pick the markets you want and submit once. No re-keying the file for each carrier.
Submission checklist
See what the market needs before you send the file
Markets lists the documents the selected carrier needs for the line, so the file goes out complete the first time.
What agents search for in E&S
Start with the account type, then check each carrier's appetite notes.
Liquor liability and nightlife
Bars, taverns, and venues with late hours, entertainment, or assault and battery exposure.
Commercial auto and trucking
Long radius, prior losses, driver history, or unusual operations.
Vacant, habitational, and coastal property
Vacancy, older construction, coastal exposure, or recent non-renewals.
Contractors and specialty trades
Roofing, framing, new ventures, and contractors with prior losses.
One platform from appetite search to submission
Appetite before submission
Review each carrier's appetite and requirements before you build the file.
Your access route up front
See whether your next step is Request Quotes, Request Appointment, or Open Portal.
Several markets, one submission
Choose multiple eligible E&S carriers and submit the same risk once.
A book you own
You earn the commission, and the book stays yours.
Appetite and requirements vary by carrier. Every live carrier profile
shows the current details.
Find E&S markets in your state
Pick your state, then search Markets to see which carriers show appetite for your coverage and industry.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Guides for your next E&S submission
Insurance Carrier Appointments: Requirements & Process
Learn insurance carrier appointment requirements, how the process works, and the access routes to start quoting and placing business.
How to Submit Risks Through Wholesale Access
Learn how to submit an insurance risk through wholesale, complete the submission workflow, upload required documents, and track status.
How to Find the Right Carrier and Carrier Access Options
Use Markets search, filters, appetite details, state availability, and access types to find insurance carriers that fit your client's risk.
FAQs
Questions about E&S submissions
Do I need a direct carrier appointment to submit an E&S risk?
Not for eligible E&S carriers on Agency Height. Once we verify your license, E&O, and W-9, you can submit without a direct appointment. Some carriers require their own appointment or onboarding, and their carrier cards show it.
Do I need a surplus lines license?
No. Agency Height's licensed surplus lines team files the policy and pays the state taxes. You earn the commission.
How do commissions work on E&S business?
You earn commission on every E&S policy you write through Agency Height. Rates vary by carrier and line, and you can log in to see each carrier's commission.
Can I see admitted options for the same account?
Yes. Search results show admitted and non-admitted carriers side by side, with a badge on each.
Does Agency Height Markets cost anything?
No. Searching and submitting are free for every agent.
Get Started
Your next E&S account starts with one search
Check appetite, access route, and submission requirements by coverage, state, and industry. Free for every agent.
Search E&S Markets