Florida Statutes
Part III - Authorization of Insurers and General Requirements (Ss. 624.401-624.491)
624.480 - Filing, approval, and disapproval of forms.


(1) A basic insurance policy or application form for which written application is required and is to be a part of the policy or contract or printed rider or endorsement form may not be issued by a self-insurance fund unless the form has been filed with and approved by the office.
(2) Every such filing shall be made not less than 30 days in advance of any such use or delivery. At the expiration of such 30 days, the form so filed shall be deemed approved unless prior thereto it has been affirmatively approved or disapproved by order of the office. The office may extend by not more than an additional 15 days the period within which it may so affirmatively approve or disapprove any such form, by giving notice of such extension before expiration of the initial 30-day period. At the expiration of any such period as so extended, and in the absence of such prior affirmative approval or disapproval, any such form must be deemed approved.
(3) The office shall disapprove any form or withdraw any previous approval thereof only, if the form:
(a) Is in any respect in violation of, or does not comply with, this code.
(b) Contains or incorporates by reference, when such incorporation is otherwise permissible, any inconsistent, ambiguous, or misleading clauses, or any exceptions and conditions which deceptively affect the risk purported to be assumed in the general coverage of the contract.
(c) Has any title, heading, or other indication of its provisions which is misleading.
(d) Is printed or otherwise reproduced in such manner as to render any material provision of such form substantially illegible.

History.—s. 36, ch. 86-160; s. 188, ch. 91-108; s. 4, ch. 91-429; s. 86, ch. 93-415; s. 834, ch. 2003-261.

Structure Florida Statutes

Florida Statutes

Title XXXVII - Insurance

Chapter 624 - Insurance Code: Administration and General Provisions

Part III - Authorization of Insurers and General Requirements (Ss. 624.401-624.491)

624.401 - Certificate of authority required.

624.402 - Exceptions, certificate of authority required.

624.4031 - Church benefit plans and church benefit board.

624.404 - General eligibility of insurers for certificate of authority.

624.4055 - Restrictions on existing private passenger automobile insurance.

624.406 - Combinations of insuring powers, one insurer.

624.407 - Surplus required; new insurers.

624.40711 - Restrictions on insurers that are wholly owned subsidiaries of insurers to do business in state.

624.4073 - Officers and directors of insolvent insurers.

624.408 - Surplus required; current insurers.

624.4085 - Risk-based capital requirements for insurers.

624.40851 - Confidentiality of risk-based capital information.

624.4094 - Bail bond premiums.

624.4095 - Premiums written; restrictions.

624.410 - Permissible insuring combinations without additional capital funds.

624.411 - Deposit requirement; domestic insurers and foreign insurers.

624.412 - Deposit of alien insurers.

624.413 - Application for certificate of authority.

624.4135 - Redomestication.

624.414 - Issuance or refusal of authority.

624.415 - Ownership of certificate of authority; return.

624.416 - Continuance, expiration, reinstatement, and amendment of certificate of authority.

624.418 - Suspension, revocation of certificate of authority for violations and special grounds.

624.420 - Order, notice of suspension or revocation of certificate of authority; effect; publication.

624.421 - Duration of suspension; insurer’s obligations during suspension period; reinstatement.

624.4211 - Administrative fine in lieu of suspension or revocation.

624.4212 - Confidentiality of proprietary business and other information.

624.4213 - Trade secret documents.

624.422 - Service of process; appointment of Chief Financial Officer as process agent.

624.423 - Serving process.

624.424 - Annual statement and other information.

624.4241 - NAIC filing requirements.

624.4243 - Reporting of premium growth.

624.4245 - Change in controlling interest of foreign or alien insurer; report required.

624.425 - Agent countersignature required, property, casualty, surety insurance.

624.426 - Exceptions to countersignature law.

624.428 - Licensed agent law, life and health insurances.

624.430 - Withdrawal of insurer or discontinuance of writing certain kinds or lines of insurance.

624.4305 - Nonrenewal of residential property insurance policies.

624.4315 - Workers’ compensation insurers; notice of significant underwriting change.

624.436 - Florida Nonprofit Multiple-Employer Welfare Arrangement Act.

624.4361 - Definitions.

624.437 - “Multiple-employer welfare arrangement” defined; certificate of authority required; penalty.

624.438 - General eligibility.

624.4385 - Certain words prohibited in name of organization.

624.439 - Filing of application.

624.4392 - Fund balance.

624.44 - Examination by the office.

624.441 - Insolvency protection.

624.4411 - Administrative, provider, and management contracts.

624.4412 - Policy forms.

624.4414 - Employer participants’ liability.

624.4415 - Assessments.

624.4416 - Assessments by receiver.

624.4417 - Certain sales prohibited.

624.442 - Annual reports; actuarial certification; quarterly reports; penalties.

624.443 - Place of business; maintenance of records.

624.4431 - Administration; rules.

624.4432 - Assets, liabilities, and investments.

624.444 - Suspension, revocation of approval.

624.445 - Order, notice, duration, effect of suspension or revocation; administrative fine.

624.446 - Rehabilitation, dissolution.

624.447 - Certificate of insurance for contractors.

624.448 - Assets of insurers; reporting requirements.

624.449 - Insurer investment in foreign companies.

624.45 - Participation of financial institutions in reinsurance and in insurance exchanges.

624.460 - Short title.

624.461 - Definition.

624.462 - Commercial self-insurance funds.

624.4621 - Group self-insurance funds.

624.4622 - Local government self-insurance funds.

624.46223 - Notice of intent to withdraw.

624.46225 - Self-insured public utilities.

624.46226 - Public housing authorities self-insurance funds; exemption for taxation and assessments.

624.4623 - Independent Educational Institution Self-Insurance Funds.

624.4625 - Corporation not for profit self-insurance funds.

624.4626 - Electric cooperative self-insurance fund.

624.464 - Certificate of authority required; penalties.

624.466 - Application requirements for certificate of authority.

624.468 - Continuing requirements for certificate of authority.

624.470 - Annual reports.

624.472 - Member’s liability.

624.473 - Dividends.

624.474 - Assessments.

624.4741 - Venue in assessment actions.

624.475 - Tax on premiums, contributions, and assessments.

624.476 - Impaired self-insurance funds.

624.477 - Liquidation, rehabilitation, reorganization, and conservation.

624.480 - Filing, approval, and disapproval of forms.

624.482 - Making and use of rates.

624.483 - Self-insurer members; payment of delinquent premiums and assessments.

624.484 - Registration of agent.

624.486 - Examination.

624.487 - Enforcement of specified insurance provisions.

624.488 - Applicability of related laws.

624.489 - Liability of trustees of self-insurance trust fund and directors of self-insurance funds operating as corporations.

624.490 - Registration of pharmacy benefit managers.

624.491 - Pharmacy audits.