Insurance brokers and MGAs placing surplus lines business across multiple US states spend real time working out which state's tax rates and stamping fees apply before a quote can even go out the door. Surplus Lines Tax API removes that guesswork, calculating surplus lines tax and fees for any state and premium amount in one action, with automatic fallback to historical rates when a placement needs to be backdated.

Connected to Mobile Message through Zapier, that calculation can sit in the middle of a Zap that starts the moment a quote request comes in. Once a client submits a premium amount through a Google Form, the tax and fees can be calculated automatically and Mobile Message can text the client their total straight after, and the same flow works from a Typeform entry for brokers who collect quote details that way.

The same middle step also suits collections work. Once an invoice for a surplus lines premium becomes overdue in Xero, Surplus Lines Tax API can recalculate the tax owed for that state, and Mobile Message can text the client a reminder that includes the correct amount, so nobody is chasing a figure that was worked out by hand.