How E&S Carriers Are Solving Their Biggest Forms Management Headaches

August 6, 2025 / 3 min read

The excess and surplus (E&S) insurance market is experiencing remarkable growth. According to Insurance Insider, domestic surplus lines wrote more than $97.5 billion in direct premiums during 2024¹—and that’s just the latest chapter in an impressive growth story. Since 2022, U.S. domestic surplus lines have seen a solid 28.6% increase in direct written premiums, showing just how much the risk environment has evolved.

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E&S carriers face unique headaches

The property/casualty market continues to face growing frequency and severity across major commercial lines. New risks and exposures keep emerging—from economic inflation to geopolitical concerns—creating an increasingly complex world.

More than ever, E&S carriers need coverage language tools that can help drive underwriting speed and precision in this highly competitive marketplace.

Enter Mozart Form Composer^®: The E&S forms problem-solver

Mozart Form Composer was designed to address exactly these challenges. Instead of wrestling with outdated processes, carriers now have a platform that actually accommodates what they’re dealing with. Here’s how Mozart tackles the four biggest pain points:

Speed that matters: Remember spending weeks updating forms? Mozart^® leverages AI and machine learning tools to help you research and update your policy forms in minutes, not weeks. When new risks emerge or market opportunities open up, you can respond immediately instead of watching competitors get there first.

Works with everything you’ve got: Whether you’re writing commercial, specialty, or personal lines, Mozart has you covered. You can use your own proprietary forms alongside ISO-licensed language—giving you the flexibility to stay specialized while still leveraging industry standards when it makes sense.

Finally, real teamwork: Mozart brings your underwriters, legal team, and form developers together in one secure space, so nobody needs to wait around for approvals or feedback. In the fast-moving E&S world, this kind of smooth collaboration can make or break your competitive edge.

“With Mozart, we have a process in place where everyone is organized and uses the most up-to-date forms approved by both legal and underwriting, which has been very useful.”

— Erica Warner, Compliance Manager, Canopius

Five ways Mozart makes your life easier

The Mozart platform isn’t just another software tool—it’s designed around how E&S teams actually work. Here are the five key features that make the biggest difference day-to-day:

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Smart search: Find forms with specific language or concepts across your entire library instantly. No more digging through endless folders or creating language you already have.
Easy compose: Create new forms or edit existing ones using either ISO-licensed language or your own proprietary language—whatever works best for your situation.
Project management that works: Create projects, share work with colleagues, get feedback, and manage approvals all in one place. No more email chains or version confusion.
Form analytics: Let machine learning and AI help you research policy updates and keep everything consistent across your forms library.
Reports when you need them: Generate insights for product decisions and portfolio management without the usual hassle.

Ready to streamline your E&S forms management?

As the E&S market continues to grow in size and competitiveness, carriers need increasing sophistication to complement their risk specialization. Success now means balancing speed and precision in your form development.

Modern E&S carriers are moving away from outdated forms processes to focus on their core expertise: underwriting complex risks. Mozart provides the technological foundation needed to stay profitable and competitive while maintaining the operational agility that defines successful E&S operations.

Learn more about how Mozart Form Composer can simplify your E&S forms management and discover why leading carriers trust Mozart to handle their most complex form development challenges.

See the latest Mozart Form Composer webinar

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Amit Kumar, Henry Meiners, and Noah Marchese, “E&S in 2024: Premium grows to $135bn, other liab, comm auto stand out,” Insurance Insider US, published March 20, 2025, accessed May 28, 2025, https://www.insuranceinsiderus.com/article/2ek9pmla89w6nkf39ojy8/research/e-s-in-2024-premium-grows-to-135bn-other-liab-comm-auto-stand-out.