Instantly estimate surplus lines taxes, stamping fees, and regulatory charges for all 50 states. Free to use — no signup required.
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Common questions answered by our compliance team
Surplus lines tax is a state-imposed tax on insurance policies placed with non-admitted (surplus lines) carriers. Each state sets its own tax rate, typically ranging from 1% to 6% of the gross premium. These taxes fund state guaranty funds and regulatory oversight of the surplus lines market.
Most states charge additional fees on top of the base surplus lines tax. These include stamping fees (for filing verification), fire marshal taxes, FIGA assessments (Florida Insurance Guaranty Association), and various state-specific regulatory surcharges. Our calculator includes all applicable fees for each state.
Each state independently regulates its surplus lines market and sets its own tax rates and fee structures. Some states like Florida and Texas have complex multi-component tax structures, while others like Wyoming use a simpler single-rate approach. Rates are updated periodically by state legislatures.
Unlike basic percentage calculators, SLTax360 includes all state-specific components — stamping fees, fire marshal taxes, FIGA surcharges, and minimum/maximum fee thresholds. Our rates are updated for 2026 and reflect the latest legislative changes across all 50 states.
Skip the manual calculations. SLTax360 automates surplus lines tax filing across all 50 states — upload invoices, and we handle the rest.
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