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The growth that has characterized Florida’s excess and surplus lines market over the past several years appears to be leveling off, according to the latest data. After a period of steadily decreasing growth rates throughout the latter part of 2024, the market has entered a phase of noticeable plateau, culminating in a flat start to 2025.

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Florida’s surplus lines market began 2025 on a strong note, with January premiums totaling $1.36 billion, reflecting a 9% increase over January 2024. Policy submissions also saw notable growth, with 127,869 policies submitted, marking a 22% year-over-year increase.