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LEADING THE WAY FOR INSURERS
January 30, 2026
91% of Insurers in Compliance for Q3 2025
As of 1/29/2026, 91% of foreign insurers have met the required premium threshold for Q3 2025. Submitting the requested data on time and accurately minimizes the interactions with staff to reconcile the insurer filings with the agent filings.
As a reminder, the following data elements are required for each transaction submitted by insurers:
- Policy number
Insured name
Transaction effective date
Name of the surplus lines agent, agency, or direct procurement filer
Premium
It is critical that all premium deficiencies are resolved by the deadline stated in the email notice. Failure to report all premium bearing transactions within the required reporting period may result in a referral to the Florida Office of Insurance Regulation for failure to comply with Florida Statutes.
If deficiencies are not resolved by the deadline, your company may also face removal from the Eligible Surplus Lines Insurer list in FSLSO SLIP+, which is visible to both insurance agents and independently procured coverage filers.
Understanding Transaction Effective Dates
For reporting purposes, use the transaction effective date when filing transactions in SLIP+. This is the effective date of the specific transaction being reported (i.e., endorsement, renewal, cancellation). Do not report transactions in FSLSO SLIP+ using the booking or accounting date of the policy transaction.
When reviewing your policy, be sure to pay close attention to the dates. Typically for endorsements, the policy effective date and transaction effective date are not the same.
If you write a policy effective August 1 and then add an endorsement on August 15,
the endorsement would typically be effective on August 15 (the date it was
added). If the endorsement needs to be retroactive or have a different effective
date, the endorsement must clearly specify that.
In certain cases, such as a new business or renewal, the transaction effective date and the policy effective date will be the same.
Always double-check your dates to ensure accuracy when reporting to FSLSO. Misreporting transaction effective dates can skew quarterly premium allocations and trigger a premium deficiency for the reporting period.
Important Dates to Remember
March 31
May 31
Foreign insurers Q4 2025 reports due
Catastrophe contact information due
Market Insights - January 2026: HO-3 Coverage A Deep Dive
In this edition of Market Insights, we take a focused look at HO-3 Coverage A (dwelling) trends in Florida’s surplus lines market, where recent data shows clear signs of pricing moderation and declining average premiums per policy.
Across surplus lines HO-3 policies with Coverage A limits between $100,000 and
$10 million, policy counts increased by 22 percent from 2024 to 2025, whereas total premium increased by only 5 percent. As a result, average premium per policy declined by approximately 14 percent year over year.
Download the full report below to explore HO-3 Coverage A trends and what they signal about current market conditions.
Have questions? Don't hesitate to contact us anytime:
insurer.services@fslso.com or 800.562.4496.
