Florida's property insurance crisis threatens the state's commercial real estate market and ultimately, Florida's economy, an industry survey by the University of Florida Center for Real Estate Studies says. Soaring insurance prices are the top issue for the first time in the quarterly survey of 152 real estate executives, lawyers, and other professionals. The cost of insurance has "gone from a minor operating expense to, in some cases, the largest one," Wayne Archer, the center's director, said Monday. "Our respondents are reporting increases [in insurance premiums] of 300 and 400 percent and some even 1,500 percent." He predicted that the pressure on property owners would eventually translate into the broader economy and into higher consumer prices. "If it continues on the trend it is on now, it could have a substantial impact," said Dick Donnellean, chief executive officer of Apartment Realty Advisors in Boca Raton.