Surplus Lines Tax MCP Server

Model Context Protocol (MCP) server for calculating surplus lines taxes across all US states and territories.

🚀 Quick Start

Installation

npm install -g surplus-lines-tax-mcp

Or run directly with npx (no installation required):

npx surplus-lines-tax-mcp

Configuration

Add to your Claude Code MCP settings (~/.claude/settings.json or project .claude/settings.local.json):

{
  "mcpServers": {
    "surplus-lines-tax": {
      "command": "npx",
      "args": ["-y", "surplus-lines-tax-mcp"],
      "env": {
        "SLAPI_API_KEY": "slapi_your_api_key_here"
      }
    }
  }
}

Get your API key at: https://app.surpluslinesapi.com

📋 Available Tools

1. calculate_surplus_lines_tax

Calculate surplus lines tax for a given state and premium amount.

Parameters:

• state (required): Full US state name (e.g., "Texas", "California")
• premium (required): Premium amount in USD
• wet_marine (optional): For wet marine policies
• fire_insurance (optional): For fire insurance policies
• electronic_filing (optional): For electronic filing
• medical_malpractice (optional): For medical malpractice coverage
• workers_comp (optional): For workers compensation
• year (optional): Tax year for calculation
• new_business (optional): New business vs renewal

Example:

{
  "state": "Florida",
  "premium": 10000,
  "fire_insurance": false
}

Returns:

{
  "success": true,
  "state": "Florida",
  "state_code": "FL",
  "premium": 10000,
  "total_tax": 500,
  "total_due": 10500,
  "account": {
    "balance": 9.62,
    "free_queries_remaining": 0,
    "was_free_query": false
  }
}

Cost: $0.38 per query

2. get_state_rate

Get tax rate information for a specific state (current or historical with automatic fallback).

Parameters:

• state (required): Full US state name (e.g., "Texas", "California")
• effective_date (optional): Date in YYYY-MM-DD format for historical rates

Example (Current Rates):

{
  "state": "Texas"
}

Returns:

{
  "state": "Texas",
  "state_code": "TX",
  "tax_rate": "4.85%",
  "stamping_fee": "0.04%",
  "legislative_source": "https://statutes.capitol.texas.gov/...",
  "account": {
    "balance": 9.24,
    "free_queries_remaining": 0,
    "was_free_query": false
  }
}

Example (Historical with Fallback):

{
  "state": "Florida",
  "effective_date": "2020-01-01"
}

Returns (if historical data unavailable):

{
  "state": "Florida",
  "state_code": "FL",
  "tax_rate": "4.94%",
  "service_fee": "0.06%",
  "notice": "No historical data available for 2020-01-01. Showing current rates instead.",
  "query_date": "2020-01-01",
  "rates_from": "current"
}

Cost: $0.38 per query

💬 Usage in Claude Code

Once configured, you can ask Claude Code things like:

• "Calculate the surplus lines tax for a $50,000 premium in Texas"
• "What is the current SL tax rate in California?"
• "Calculate surplus lines for a wet marine policy in Florida with $100,000 premium"
• "What was the surplus lines tax rate in Iowa on June 15, 2024?"
• "Get current rates for New York"

💰 Pricing

• Free tier: 25 free queries upon signup
• Paid queries: $0.38 per query (after free tier exhausted)
• Each tool call: Counts as 1 query

Get started at: https://app.surpluslinesapi.com

🗺️ Supported States

All 50 US states plus:

• District of Columbia
• Puerto Rico
• Guam
• Virgin Islands

Total: 53 jurisdictions

🛠️ Troubleshooting

"SLAPI_API_KEY environment variable is required"

Make sure your API key is set in the env section of your MCP settings.

"API error (401)"

Your API key may be invalid or expired. Check your account at app.surpluslinesapi.com.

"API error (402)"

Your account may need more credits. Add funds at app.surpluslinesapi.com.

📚 Additional Resources

• API Documentation: https://surpluslinesapi.com/api
• Free Calculator: https://sltax.undtec.com
• Support: [email protected]

🔗 Related Integrations

• n8n Node: @surpluslinesapi/n8n-nodes-surpluslines
• Zapier: Search "Surplus Lines Tax API" in Zapier
• Make.com: Custom app available
• Google Sheets: Apps Script integration
• Excel Add-in: Available in Office Store

📝 License

MIT License

Built with ❤️ for insurance professionals