Florida
Source: FSLSO · Last scraped November 04, 2026 at 12:28 PM
Market conditions: Declining YoY, and Softening vs LY
Premium fell 5.6% after growing +2.0% over the same period last year — growth has flipped to decline, consistent with a softening market. (Jan–Jun 2026 vs prior years)
Florida's engine
Commercial Property alone accounts for 33% of Florida's $14.5B surplus lines market ($4.76B) — Florida remains fundamentally a property-risk story.
Geography
South Florida dominates: Miami-Dade, Palm Beach, Broward together hold 45% of state premium ($6.45B) across 68 reporting counties.
Top insurer
Underwriters At Lloyd'S, London writes the most Florida surplus lines premium — $2.58B, or 18% of the market — ahead of 277 other active insurers.
$14.48B
Total Premium
YTD None
1,646,602
Total Policies
YTD None
$8,797
Avg Policy Size
YTD None
113
Coverage Codes
278
Active Insurers
68
Counties
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