---
title: "Carrier reinsurer panel (Top 5 reinsurers by recovery)"
method: GET
path: "/v1/financials/reinsurers"
---

# Carrier reinsurer panel (Top 5 reinsurers by recovery)

`GET /v1/financials/reinsurers`

## Request

- Base URL: `https://api.querylines.com`
- URL: `https://api.querylines.com/v1/financials/reinsurers`
- Auth: none declared

The carrier's 'Reinsurers (Top 5)' panel at the current edition: reinsurer name, reinsurance class, authorization status, gross recovery (USD, already scaled from the card's '$000' footnote), and the amount over 120 days overdue (may be negative). Same carrier resolution as GET /v1/financials (`naic` authoritative, else `insurer` partial match). A resolved carrier with no reinsurers in the current edition returns 200 with an empty array, not a 404. Unknown carrier -> 404. $0.10 per query.

## Query parameters

- `insurer` string
- `naic` string

## Response `200`

The carrier's current reinsurer panel.

- object
  - `naic_id` string, required
  - `company_name` string, required
  - `reinsurers` object[], required
    - `reinsurer_name` string, required
    - `reinsurance_class` string, nullable, required: e.g. 'US Unaffiliated', 'Non-US Affiliated Non-captive'.
    - `authorization` 'authorized' | 'unauthorized' | 'recip jurisdict' | 'null', nullable, required
    - `gross_recovery` number, nullable, required: USD, already scaled from the card's own '$000' footnote to whole dollars.
    - `over_120_days_overdue` number, nullable, required: USD; may be negative (a handful of real rows print a small parenthesized figure).
  - `count` number, required: Length of `reinsurers`; 0 is a valid response, not a 404.
  - `report_date` string, nullable, required
  - `data_as_of` string, nullable, required
  - `source` string, nullable, required
  - `coverage_note` string, required

## Other responses

- `400`: Invalid query parameters.
- `402`: Payment required (x402). Returned when the x402 payment gate is enabled (PAY_TO_ADDRESS configured) and the request carries no valid payment. The full payment challenge (price/network/payTo/asset) is carried in the base64-encoded PAYMENT-REQUIRED response header (see the x402 spec), not the JSON body -- the body is `{}` for API clients. Price for this route: $0.10. Retry with a signed payment per x402 (USDC on Base mainnet); on success the response carries a PAYMENT-RESPONSE header with settlement info. When PAY_TO_ADDRESS is unset (kill switch off), this route is free and never returns 402.
- `404`: Unknown state or coverage line.
- `500`: Internal error.

---

[API](https://skmtc.dev/querylines/apis/querylines-api.md) · [All operations](https://skmtc.dev/querylines/apis/querylines-api/llms.txt) · [OpenAPI document](https://skmtc.dev/querylines/apis/querylines-api/revisions/4afb6c3e2b1f?raw)