Try Claude
Security ScannerScan URLs, IPs, domains and files for threats
AI Tools for Excess and Surplus Lines Brokers
AI tools that help E&S lines brokers research hard-to-place risks, find specialty markets, analyze unusual exposures, and build compelling submissions for Lloyd's and non-admitted carriers.
Get started for free
Works in Chat, Cowork and Code
Active E&S Markets
Lloyd's Syndicate 1221, Markel Specialty, CNA Surplus Lines
Rate Trend
Flat to -5% in mature markets (CO, CA, WA); +10-15% in newer states
Typical Limits
$1M/$2M GL standard · $5M available with supporting markets
Key Exclusions
Product liability for edibles often sublimited or excluded
Underwriting Focus
Security protocols, inventory controls, federal nexus exposure
Unusual risk exposure research
Research the specific exposures of hard-to-place risks before submitting to specialty markets. Understand the unique liability, property, or casualty elements so you can position the risk correctly and anticipate underwriter questions. E&S brokers win with preparation.
I have a submission for a pyrotechnics company that performs large public shows and also manufactures display shells at their facility. What are the key risk factors underwriters will focus on?
Key underwriting concerns: ATF licensing and storage compliance for explosive materials, separation distances between manufacturing and storage, crew certification (PGI/APA), incident history, NFPA 1123/1124 compliance, public assembly exposure at shows, and product liability for sold shells. Also: annual revenue split between manufacturing vs. services.
ToolRouter research
ATF Licensing
Federal explosives license (FEL) and storage compliance essential
Separation Distances
Manufacturing vs. storage distances per NFPA 1124 — key underwriter focus
Crew Certification
PGI/APA certifications required for licensed pyrotechnicians
Public Assembly Exposure
GL exposure at shows — audience size and control measures critical
Revenue Split
Manufacturing vs. services split affects product liability rating
Specialty market intelligence
Track market appetite, pricing trends, and capacity changes across Lloyd's syndicates and domestic E&S carriers. Know which markets are writing what before you submit, and understand what drives carrier appetite for specific risk classes.
Which Lloyd's syndicates and E&S markets are currently writing product recall insurance for food manufacturers? What are the current rate trends?
Active markets: Lloyd's Syndicate 318 (Munich Re), 4444 (Catlin/XL), and Markel London. Domestic: Great American Specialty, AIG Product Liability. Rates have increased 25–40% since 2022 supply chain losses. Key coverage triggers: intentional acts exclusion is now standard after several contested claims.
ToolRouter research
Lloyd's Active Syndicates
Syndicate 318 (Munich Re), 4444 (Catlin/XL), Markel London
Domestic Markets
Great American Specialty, AIG Product Liability
Rate Trend
+25-40% since 2022 supply chain losses
Coverage Change
Intentional acts exclusion now standard post-contested claims
Cyber risk assessment for submissions
Run a technical security assessment of a cyber submission's external perimeter before sending to markets. Objective scan data strengthens your submission and demonstrates due diligence to underwriters — especially important for larger limits where markets require evidence of security posture.
I'm submitting a $10M cyber risk for a healthcare software company. Markets are asking for a security posture summary. Run an external scan and give me something to include in the submission.
External scan complete. No open RDP or critical exposed ports. SSL certificates valid. SPF and DMARC configured. No CVEs identified on public-facing software versions. One finding: admin login page accessible without IP restriction. Overall: above-average security posture for sector. Good position for the submission.
ToolRouter scan_url
Open Ports
No RDP or critical exposed ports detected
SSL Certificates
Valid · TLS 1.3 enabled
Email Security
SPF and DMARC both configured
CVE Check
No CVEs identified on public-facing software versions
Admin Exposure
Admin login accessible without IP restriction — one finding
Property risk and location research
Research the geographic and hazard characteristics of commercial property risks. Assess coastal exposure, wildfire proximity, flood zone designation, and local loss history for hard-to-place properties that admitted carriers have declined.
I have a coastal hotel in Port Aransas TX. Previous carrier non-renewed. Research the hurricane exposure, proximity to flood zones, and any prior storm damage history in this location.
Port Aransas: FEMA Zone AE (100-year floodplain), Nueces County. Hurricane Harvey (2017): direct hit, 3.4M insured losses in surrounding area. Category 4/5 susceptible. Barrier island location increases storm surge risk. Current RMS cat model placing this area at elevated AAL — explains admitted carrier exits. E&S markets: London markets and surplus carriers with wind sub-limits typical.
ToolRouter research
FEMA Zone
Zone AE — 100-year floodplain · Nueces County
Hurricane Harvey (2017)
Direct hit · $3.4M insured losses in surrounding area
Category Risk
Barrier island — elevated Cat 4/5 susceptibility and storm surge
Admitted Market Status
AAL elevation explains admitted carrier exits
Regulatory compliance research
Research surplus lines filing requirements, diligent search requirements, and stamping office rules for the states where you place non-admitted coverage. Stay current on state-specific regulations to ensure proper placement and avoid compliance issues.
What are the diligent search requirements for placing non-admitted coverage for a commercial risk in New York, Texas, and California? How many admitted declinations are required in each state?
New York: 3 admitted declinations required (DFS Regulation 41). Texas: no minimum declination requirement but evidence of good faith effort required (Texas Ins. Code §981). California: 3 declinations required for non-exempt risks; LESLI exempt risks have no declination requirement. All three require stamping office filing.
ToolRouter research
New York
3 admitted declinations required — DFS Regulation 41
Texas
No minimum declinations · good faith effort required · Texas Ins. Code §981
California
3 declinations for non-exempt risks · LESLI exempt — no declinations required
All Three States
Stamping office filing required for each placement
Financial and creditworthiness screening
Screen E&S carriers and Lloyd's syndicates for financial strength ratings before binding coverage for clients. Verify that markets you are using are properly licensed or eligible in the placement state and have adequate financial stability.
We are considering using a new admitted-in-Bermuda cyber carrier for a large placement. Research their AM Best rating, recent financials, and any regulatory actions against them.
Research complete. Carrier holds AM Best A- (Excellent) rating, affirmed August 2024. Bermuda Monetary Authority Class E license active. No regulatory actions. Q2 2024 combined ratio: 94.2%. Net premium written growth 18% YoY. Sound financial position — appropriate for large placement with proper surplus lines eligibility verification.
ToolRouter research
AM Best Rating
A- (Excellent) — affirmed August 2024
Regulatory Standing
Bermuda Monetary Authority Class E license — active
Regulatory Actions
None found across OFAC, US state DOIs, and BMA records
Combined Ratio (Q2 2024)
94.2% — profitable underwriting position
NPW Growth
+18% YoY — strong growth trajectory
Ready-to-use prompts
Research a specialty risk
Research the key exposures and underwriting considerations for a commercial axe-throwing venue with 8 lanes and a liquor license. What E&S markets write this class?
Scan cyber submission
Run an external security scan on fintech-app.io. They are applying for $5M cyber liability. Include port scan, vulnerability check, SSL status, and any publicly detectable security weaknesses.
Research state filing rules
What are the surplus lines tax rates and stamping office filing requirements for non-admitted placements in Florida, Georgia, and South Carolina?
Check coastal property risk
Research the hurricane and flood risk for a 10-story beachfront hotel on Galveston Island, Texas. Include FEMA flood zone, hurricane frequency/intensity history, and typical E&S carrier terms for this location.
Research cannabis market
Which E&S insurers and Lloyd's syndicates are currently writing general liability and product liability for cannabis dispensaries and cultivators? What exclusions and limits are typical?
Look up CVEs for submission
Search for high-severity CVEs affecting Salesforce, AWS, and Azure published in the last 6 months. I need to understand the current exposure landscape for a SaaS company cyber submission.
Research market hardening
What is the current state of the E&S commercial property market in California? Which admitted carriers have recently non-renewed policies and what are the E&S alternatives?
Research a carrier
Research the financial strength rating, recent regulatory actions, and underwriting appetite of Markel Specialty for habitational property risks in the Southeast.
Tools to power your best work
Weather ForecastWeather, air quality & UV anywhere
Vulnerability DatabaseSearch CVEs & track new advisories
SEC FilingsSEC EDGAR filings & financial data
Deep ResearchAI research reports with citations
Regulatory ActionsSEC, CFPB, FDIC & Federal Register
NewsSearch and track news worldwide
Satellite ImagerySatellite photos of any location on Earth
165+ tools.
One conversation.
Everything excess and surplus lines brokers need from AI, connected to the assistant you already use. No extra apps, no switching tabs.
Hard-to-place risk submission package
Build a compelling submission for an unusual risk: research the exposures thoroughly, prepare a risk summary, and gather any technical data that will help markets price it.
Coastal property market placement
Place a wind-exposed coastal property that admitted carriers have declined: assess the risk, research market appetite, and compile the documentation markets require.
New market vetting
Vet a new E&S carrier or Lloyd's syndicate before placing client business with them.
Frequently Asked Questions
Can these tools help me understand Lloyd's of London market appetite?
Deep Research can compile publicly available information about Lloyd's syndicate risk appetites, recent market announcements, and specialty product launches. For real-time capacity and pricing, you still need direct market relationships and access to platforms like Whitespace or PPL.
Is the security scanner appropriate to use on a client's behalf?
The Security Scanner performs passive reconnaissance on publicly visible infrastructure — no active exploitation. For use in underwriting submissions, always disclose to the insured that you are conducting an external scan. For active penetration testing with the Pentest tool, written authorization is required.
How do I find current surplus lines tax rates by state?
Deep Research can compile current surplus lines tax rates, stamping office fees, and diligent search requirements from NAPSLO/WSIA resources and state insurance department publications. Rates change periodically — always verify against the current state regulation before filing.
Can these tools help with large commercial risks that need manuscript policy forms?
Research tools help you understand the exposures that need to be covered and find precedents for unusual coverage structures. For manuscript policy drafting, you still need coverage attorneys or experienced E&S underwriters. Deep Research can surface examples of how specific exposures have been covered in landmark cases.
How current is the market intelligence from these tools?
Deep Research synthesizes information from current news, industry publications, regulatory filings, and web sources. For real-time market quotes and carrier capacity, you need direct market access. These tools provide background intelligence that makes your market conversations more productive.
Give your AI superpowers.
Get started for free
Works in Chat, Cowork and Code