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Lending a Hand Where It Matters Most Don’t Forget: The Disclosure Form Has Been Updated FIGA and Surplus Lines Policies One More Stop! FSLSO On Tour Heads to Hollywood Connecting with Future Industry Leaders at FSU I-Days New Surplus Lines Approvals Reminder: EMPA Exemption Functionality Now Active Are We Linked?

Florida’s E&S market closed September 2025 with $1.2 billion in premium and 144,583 policies, a 15% increase in policy count compared to September 2024. This performance brought the third quarter total to $4.0 billion in premium and the year-to-date total to $13.9 billion, representing a 2% increase in premium over the same period in 2024.

As we pass the midpoint of Q3, Florida’s surplus lines market continues to soften, with growth flattening. August premium totaled $1.2B, down 1% year over year, while policy count rose 10% to 142K. The average cost per policy fell 10% to $8,202, reinforcing a more competitive market.