New York — YTD through September 2026
Source: ELANY · Last scraped November 04, 2026 at 12:30 PM
Market conditions: Growing YoY, but Softening vs LY
Premium grew +4.8% vs +18.6% over the same period last year — still growing, but the slowdown points to a softening market. (Jan–Jun 2026 vs prior years)
Biggest line
Primary Gl & Other Bi/Pd is New York's largest coverage category at $2.41B — 29% of the state's $8.3B in surplus lines premium.
Who's buying
Real Estate And Rental And Leasing ($2.24B) and Construction ($1.60B) are the biggest buyers of surplus lines coverage in New York — together 46% of premium across 22 industries.
Concentration
The top 5 insurance groups hold 30% of New York's market, led by Lloyds Of London at $1.24B.
Transaction volume
ELANY has recorded 452,939 transactions this period — about $18K in premium per transaction.
$8.29B
Premium
YTD through September 2026
452,939
Transactions
YTD through September 2026
$18,309
Avg Policy Size
vs $18,852 full year 2025 -2.9%
14
Coverage Categories
11
Top Insurers
26
Insurance Groups
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