# QueryLines

> Surplus lines market data, per query.

QueryLines is a pay-per-query API for U.S. excess & surplus (E&S / surplus
lines) insurance market statistics, sourced from state stamping-office
publications. It serves derived aggregates (premium, policy counts, and
year-over-year growth by state, month/quarter/year, and coverage line) for
cents per call instead of a $2,000 PDF report or a $15k subscription.
Payment is per request via x402 (USDC on Base): no account, no
subscription, no API key required for pay-as-you-go access. Every response
includes `source`, `data_as_of`, and `report_date` for attribution and
restatement tracking.

## Data live today

- **Florida** (source: FL Monthly Premium Report + annual report):
  monthly data Jan 2025 through Jun 2026, plus a 2025 annual report;
  coverage lines, top insurers, counties, and new-vs-renewal splits.
- **Texas** (source: TX stamping-office monthly + annual reports):
  monthly statewide totals Jan 2016 through Jun 2026, annual data 2009
  through 2025; coverage-line detail is annual; top insurers.

## Try first (free, no payment required)

- [GET /v1/premium/sample](https://api.querylines.com/v1/premium/sample): free sample, statewide all-lines monthly premium/policy-count series, latest 13 months. `?state=FL` or `?state=TX`.
- [GET /v1/coverage](https://api.querylines.com/v1/coverage): what data exists: states, date ranges, granularity.
- [GET /v1/lines?state=FL](https://api.querylines.com/v1/lines?state=FL): coverage-line taxonomy for a state.

## Paid endpoints ($0.10-$0.50/query, x402)

- GET /v1/premium?state=FL&line=...&county=...&from=YYYY-MM&to=YYYY-MM&granularity=month|quarter|year: $0.10/query.
  Optional county filter (annual county-level data only) and year granularity.
- GET /v1/premium?state=TX&line=all&from=2023-01&to=2026-06&granularity=month: same endpoint, Texas, $0.10/query
- GET /v1/premium/summary?state=FL&year=YYYY: headline totals + YoY, with a `basis` field (`monthly_sum` / `annual_report` / `partial_monthly_sum`) showing how the total was computed, $0.10/query
- GET /v1/insurers?state=FL&period=YYYY-MM|YYYY: top insurers by premium for a month or year, $0.10/query
- GET /v1/compare?states=FL,TX&line=all&from=YYYY-MM: cross-state comparison, $0.50/query

## MCP server (streamable HTTP)

[https://api.querylines.com/mcp](https://api.querylines.com/mcp) exposes the same queries as tools:
`list_lines` and `get_coverage` (free), `get_premium_sample` (free),
`get_premium` ($0.10), `get_summary` ($0.10), `get_top_insurers` ($0.10),
`compare_states` ($0.50).

Claude Code: `claude mcp add --transport http querylines https://api.querylines.com/mcp`.
Any MCP client: streamable HTTP, `"type": "http"`, no auth. Free tools work in
every MCP client; paid tools return an x402 payment challenge and need an
x402-capable client with a funded wallet (see the docs below).
Listed in the official MCP Registry as `com.querylines/mcp` and in the x402
Bazaar (Coinbase CDP discovery index).

## Market snapshots (free)

- [Latest FL snapshot](https://querylines.com/snapshots/fl/latest)
- [Latest TX snapshot](https://querylines.com/snapshots/tx/latest)
- [All snapshots](https://querylines.com/snapshots)
- [Sitemap](https://querylines.com/snapshots/sitemap.xml)

## Docs

- [Get started](https://querylines.com/docs/)
- [Pay per query with x402: wallet setup, TypeScript/Python/Go clients](https://querylines.com/docs/x402)
- [MCP setup per client](https://querylines.com/docs/mcp)
- [API reference and data semantics](https://querylines.com/docs/api)
- [OpenAPI spec](https://api.querylines.com/openapi.json)
- [Marketing site](https://querylines.com)

## Payment

x402 (HTTP 402 Payment Required) with USDC on Base. A paid endpoint called
without payment returns a 402 response containing the payment challenge;
settle it and re-send the request to receive the data. USDC is a
dollar-pegged stablecoin (1 USDC = $1); a wallet-funding walkthrough for
first-time users is at https://querylines.com/docs/x402#wallet.

## Data & licensing

Facts and statistics are extracted from publicly published stamping-office
reports and served as derived aggregates, never the underlying report
files, page images, or verbatim text. Minimum granularity is state × month
× coverage line. QueryLines is not affiliated with or endorsed by
any state stamping office.

## Contact

hello@querylines.com