Florida
Source: FSLSO · Last scraped September 22, 2026 at 11:48 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 36% of Florida's $12.2B surplus lines market ($4.33B) — Florida remains fundamentally a property-risk story.
Geography
South Florida dominates: Miami-Dade, Palm Beach, Broward together hold 45% of state premium ($5.48B) across 68 reporting counties.
Top insurer
Underwriters At Lloyd'S, London writes the most Florida surplus lines premium — $2.22B, or 18% of the market — ahead of 270 other active insurers.
$12.18B
Total Premium
YTD None
1,319,339
Total Policies
YTD None
$9,231
Avg Policy Size
YTD None
112
Coverage Codes
271
Active Insurers
68
Counties
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