Lines of Business — Cross-State Trends
Sources: FSLSO, ELANY, SLACAL · Texas excluded — SLTX publishes no coverage breakdown
Each state groups coverage differently — Florida uses 113 coverage codes, New York 14 coverage lines. To compare apples to apples, every category is sorted into standard buckets; anything that doesn't fit lands in "Other" rather than being dropped. Periods: Florida Reporting period unavailable · New York YTD through September 2026. FL: Reporting period unavailable; change badges withheld because the source window is unknown. · NY: YTD through September 2026; comparing against Aug 2026. California's stamping office currently publishes only whole-market monthly totals (no per-line split), so it appears as a market-level growth note instead of a column. Change badges compare each state against its prior stored report (NY: Aug 2026).
Coverage Buckets Across States
| Coverage Bucket | Florida | FL Chg | New York | NY Chg | Combined |
|---|---|---|---|---|---|
| Commercial Property | $5,757,208,990 39.7% of state · 17 lines |
— | $2,332,298,108 28.1% of state · 2 lines |
+17.0% | $8,089,507,098 |
| General Liability | $4,185,944,816 28.9% of state · 19 lines |
— | $2,411,595,251 29.1% of state |
+10.2% | $6,597,540,067 |
| Excess & Umbrella | $276,826,527 1.9% of state · 2 lines |
— | $1,707,028,312 20.6% of state |
+9.8% | $1,983,854,839 |
| Professional Liability | $1,249,488,088 8.6% of state · 18 lines |
— | $719,327,983 8.7% of state · 2 lines |
+14.1% | $1,968,816,071 |
| Residential Property | $1,353,229,719 9.3% of state · 14 lines |
— | $243,002,490 2.9% of state |
+12.9% | $1,596,232,209 |
| Package/Multi-Peril | $693,718,777 4.8% of state · 3 lines |
— | $387,320,943 4.7% of state |
+10.8% | $1,081,039,720 |
| Other | $449,443,105 3.1% of state · 27 lines |
— | $385,810,734 4.7% of state · 5 lines |
+19.7% | $835,253,839 |
| Auto | $346,429,722 2.4% of state · 8 lines |
— | $106,470,141 1.3% of state |
+6.7% | $452,899,863 |
| Inland Marine | $172,609,540 1.2% of state · 5 lines |
— | — | — | $172,609,540 |
Buckets are keyword-based groupings of each state's own category names — a practical view, not an official classification.
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