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": "2026-08-30"
}{
"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": "2026-08-30"
}How European IPT rules are represented
Explore how the service represents tax basis, liability rules, rates, exemptions, parafiscal levies, and settlement cadence across example European territories.
Marketing-page examples are an illustrative snapshot reviewed 30 August 2026, not tax or filing advice. Production calculations use the effective date and a versioned ruleset; confirm material decisions against current authority and qualified tax review.
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.
Frequently asked questions
Premium tax API fundamentals
What does an insurance premium tax API calculate?
It applies effective-dated jurisdiction and transaction rules to return relevant tax and fee components, calculation bases, rates, amounts, and rule-version context. Exact coverage depends on the jurisdiction and product scope.
Does the API support US surplus lines tax?
The Facio Premium Tax API is designed for state-by-state US surplus lines calculations, including applicable tax and fee components and jurisdiction-specific output used in quote, bind, policy, and operational workflows.
Does the API support European insurance premium tax?
The service models international IPT rules, including country and class-of-business treatment, exemptions, parafiscal components, calculation basis, and settlement context for supported territories.
How are rate changes handled?
Production calculations use the supplied effective date and a versioned ruleset so current and historical transactions can be reproduced against the rule version used at the time.
Does the API replace tax or filing advice?
No. It automates governed calculation and evidence. Legal interpretation, exception handling, filing responsibility, and material decisions should remain with the responsible organization and qualified tax professionals.
Implementation guide
Test the rule, evidence, and operating workflow—not only the total.
Use our evaluation guide to define effective-date tests, component-level evidence, jurisdiction coverage, reconciliation, and change ownership before production use.
Ready to automate your insurance premium tax calculation?
Integrate the Facio Premium Tax API into your quote, bind, or policy administration flow.