Market snapshot
Florida E&S Market Snapshot: May 2025
Surplus lines premium, policy counts, and coverage-line breakdown for Florida, sourced from the FSLSO FL Monthly Premium Report.
Data as of 2025-05 · report_date 2026-05-31 · source: FSLSO FL Monthly Premium Report, May 2026
Monthly premium, all coverage lines
View as table
| Month | Premium | Policies |
|---|---|---|
| January 2025 | $1,362,673,373 | 127,869 |
| February 2025 | $1,142,751,345 | 125,479 |
| March 2025 | $1,470,912,172 | 131,543 |
| April 2025 | $1,961,471,936 | 145,044 |
| May 2025 | $1,886,556,336 | 151,452 |
| June 2025 | $2,093,849,915 | 173,036 |
| January 2026 | $1,146,936,565 | 122,642 |
| February 2026 | $1,138,030,200 | 137,486 |
| March 2026 | $1,719,497,138 | 167,775 |
| April 2026 | $1,803,151,424 | 172,473 |
| May 2026 | $1,674,439,815 | 177,627 |
| June 2026 | $1,877,013,891 | 204,624 |
Top coverage lines: May 2025
| Coverage line | Premium | Policies | Avg. premium / policy |
|---|---|---|---|
| COMMERCIAL PROPERTY | $920,500,000 | 28,401 | $32,411 |
| COMMERCIAL GENERAL LIABILITY | $257,700,000 | 23,179 | $11,118 |
| EXCESS COMMERCIAL GENERAL LIABILITY | $124,700,000 | 3,534 | $35,286 |
| COMMERCIAL PACKAGE | $68,100,000 | 8,909 | $7,644 |
| HOMEOWNERS-HO-3 | $57,200,000 | 8,496 | $6,733 |
| WINDSTORM AND/OR HAIL-COMMERCIAL | $44,600,000 | 1,791 | $24,902 |
| BUILDERS RISK-COMMERCIAL | $34,400,000 | 538 | $63,941 |
| CYBER LIABILITY | $30,500,000 | 2,468 | $12,358 |
| MISCELLANEOUS E&O LIABILITY | $28,400,000 | 2,025 | $14,025 |
| FLOOD-PERSONAL | $19,300,000 | 14,856 | $1,299 |
Summary
Florida's surplus lines market wrote $1.89B in premium across 151,452 policies in May 2025.
COMMERCIAL PROPERTY led all coverage lines at $920.50M in premium, followed by COMMERCIAL GENERAL LIABILITY and EXCESS COMMERCIAL GENERAL LIABILITY.
Average premium per policy was $12,456.
Statistics derived from the FSLSO FL Monthly Premium Report (May 2025). QueryLines is not affiliated with or endorsed by any state stamping office.
Figures reflect the May 2025 publication (report_date 2026-05-31). Stamping offices periodically restate prior figures; QueryLines tracks each restatement by report_date rather than overwriting history; the report_date query parameter on the API exposes prior publications.
$ curl -s "https://api.querylines.com/v1/premium?state=FL&from=2025-05&to=2025-05"
$ claude mcp add --transport http querylines https://api.querylines.com/mcp