Insurance premium tax, answered by API
Pull live insurance premium tax rates by country and US state through one API — European IPT and parafiscal charges plus US surplus lines taxes, delivered directly into your quote, bind or policy admin system.
European IPT & Parafiscal Charges
Country-specific premium tax rates, reduced rates by class of risk, exemptions, and the parafiscal layer (fire brigade charges, guarantee funds, cat levies) with calculation basis and settlement cadence.
US Surplus Lines Taxes
State-by-state surplus lines tax calculations for all 50 states, including EMPA and Fire Marshal taxes, Kentucky municipality taxes, fee restrictions, and state disclosure templates.
API Request & Response Inspector
Illustrative HTTPS JSON request and response contract.
{
"territory": "DE",
"class_of_business": "fire_commercial",
"premium": {
"amount": 10000.00,
"currency": "EUR"
},
"effective_date": "2026-08-04"
}{
"territory": "DE",
"components": [
{ "type": "IPT", "rate": 0.22, "base": "60% of premium", "amount": 1320.00 },
{ "type": "FIRE_BRIGADE_CHARGE", "rate": 0.22, "base": "40% of premium", "amount": 880.00 }
],
"total_tax": 2200.00,
"settlement": { "frequency": "monthly", "due_day": 15 },
"rate_version": "2026-08-maintained"
}European IPT: Country-by-Country Reference
Explore the IPT regime, tax basis, liability rules, rates table, parafiscal levies, and settlement cadences across 15 European territories.
Germany
Tax Basis
Total premium charged to the insured, including additional fees such as drafting costs.
Liability & Registration
Insurer calculates and pays. FoS insurers are not required to appoint a local fiscal representative.
Applicable Rates Table
| Class of Risk | Rate |
|---|---|
| Default | 19% |
| Commercial Marine Hull | 3% |
| Some Accident policies | 3.8% |
Exemptions
Goods in international transit, health, life, reinsurance.
Parafiscal Charges
Fire Brigade Charge on property/fire premiums (calculated on split basis, e.g. 22% rate split 60% IPT / 40% FBC).
Settlement Cadence
IPT and FBC monthly on 15th day following reporting period.
Ready to automate your insurance premium tax calculation?
Integrate the FacioMGA Premium Tax API into your quote, bind, or policy administration flow.