Florida's excess and surplus (E&S) lines industry emerged relatively unscathed from the 2010 legislative session. There was some concern that special interest groups might attempt to challenge the legislation that resolved the fallout from the Essex v. Zota decision the previous year, but no such challenge was mounted. The veto by Gov. Charlie Crist of the omnibus property bill, which posed a potential problem for E&S by expanding the definition of MGAs, ensured the status quo on that front.
With regulatory issues moot for the moment, attention is drawn to premium growth and competition, both of which have been experiencing some unusual and notable trends.
P&C Lines
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