Florida Statutes
Title XXXVII - Insurance
Chapter 624 - Insurance Code: Administration and General Provisions

624.1055 - Right of contribution among liability insurers for defense costs. - (1) APPORTIONMENT OF COSTS.—The court shall allocate defense costs among...

624.11 - Compliance required. - (1) No person shall transact insurance in this state, or...

624.12 - Application of code as to fraternal benefit societies. - History.—s. 12, ch. 59-205; s. 3, ch. 76-168; s. 1,...

624.123 - Certain international health insurance policies; exemption from code. - (1) International health insurance policies and applications may be solicited...

624.124 - Motor vehicle services; exemption from code. - (1) Towing service. (2) Procuring from an insurer group coverage...

624.125 - Certain motor vehicle service agreements; exemption from code. - (1) Any person may, in exchange for fees, charges, or...

624.126 - Certain mutual aid associations; exemption from code. - (1) Any beneficial, relief, or mutual aid society, however organized,...

624.1265 - Nonprofit religious organization exemption; authority; notice. - (1) A nonprofit religious organization is not subject to the...

624.127 - Certain political subdivisions offering prepaid ambulance service plans; exemption from code. - History.—s. 35, ch. 92-78.

624.1275 - Insurance agents; prohibited exclusion from public bidding and negotiations. - History.—s. 33, ch. 2005-257.

624.128 - Crime victims exemption. - History.—s. 17, ch. 94-342.

624.129 - Certain location and recovery services; exemption from code. - (1) Any person may, in exchange for fees, dues, charges,...

624.13 - Particular provisions prevail. - History.—s. 13, ch. 59-205; s. 3, ch. 76-168; s. 1,...

624.15 - General penalty. - (1) Each willful violation of this code or rule of...

624.155 - Civil remedy. - (1) Any person may bring a civil action against an...

624.1551 - Civil remedy actions against property insurers. - History.—s. 6, ch. 2022-268.

624.19 - Existing forms and filings. - History.—s. 811, ch. 59-205; ss. 13, 35, ch. 69-106; s....

624.21 - Prospective operation of amendments to code. - History.—s. 4, ch. 82-386; s. 1, ch. 86-286; ss. 187,...

624.215 - Proposals for legislation which mandates health benefit coverage; review by Legislature. - (1) LEGISLATIVE INTENT.—The Legislature finds that there is an increasing...

624.23 - Public records exemption. - (1) As used in this section, the term: (a) “Consumer”...

624.231 - Disclosure and fees for production of records. - History.—s. 4, ch. 2009-70.

624.24 - Prohibition against requiring the purchase of health insurance; exceptions. - (1) A person may not be compelled to purchase health...

624.25 - Patient Protection and Affordable Care Act. - History.—s. 1, ch. 2013-101.

624.26 - Collaborative arrangement with the Department of Health and Human Services. - (1) As used in this section, the term “PPACA” has...

624.27 - Direct health care agreements; exemption from code. - (1) As used in this section, the term: (a) “Direct...

Part II - Department of Financial Services (Ss. 624.302-624.36)

624.302 - Offices. - History.—s. 17, ch. 59-205; ss. 13, 35, ch. 69-106; s....

624.303 - Seal; certified copies as evidence. - (1) The department, commission, and office shall each have an...

624.307 - General powers; duties. - (1) The department and office shall enforce the provisions of...

624.308 - Rules. - (1) The department and the commission may each adopt rules...

624.310 - Enforcement; cease and desist orders; removal of certain persons; fines. - (1) DEFINITIONS.—For the purposes of this section, the term: (a)...

624.3102 - Immunity from civil liability for providing department, commission, or office with information about condition of insurer. - History.—s. 3, ch. 93-410; s. 764, ch. 2003-261.

624.311 - Records; reproductions; destruction. - (1) Except as provided in this section, the department, commission,...

624.312 - Reproductions and certified copies of records as evidence. - (1) Photographs or microphotographs in the form of film or...

624.313 - Publications. - (1) As early as reasonably possible, the office shall annually...

624.314 - Publications; Insurance Regulatory Trust Fund. - History.—s. 29, ch. 59-205; s. 2, ch. 61-119; ss. 13,...

624.315 - Annual report. - (1) As early as reasonably possible, the office, with such...

624.316 - Examination of insurers. - (1)(a) The office shall examine the affairs, transactions, accounts, records,...

624.3161 - Market conduct examinations. - (1) As often as it deems necessary, the office shall...

624.317 - Investigation of agents, adjusters, administrators, service companies, and others. - (1) The department shall conduct such investigation as it deems...

624.318 - Conduct of examination or investigation; access to records; correction of accounts; appraisals. - (1) The examination or investigation may be conducted by the...

624.319 - Examination and investigation reports. - (1) The department or office or its examiner shall make...

624.320 - Examination expenses. - (1) Each insurer so examined shall pay to the office...

624.321 - Witnesses and evidence. - (1) As to any examination, investigation, or hearing being conducted...

624.322 - Testimony compelled; immunity from prosecution. - (1) If any natural person asks to be excused from...

624.324 - Hearings. - History.—s. 39, ch. 59-205; ss. 13, 35, ch. 69-106; s....

624.33 - Jurisdiction regarding health or life coverage. - (1) Notwithstanding any other provision of law, and except as...

624.34 - Authority of Department of Law Enforcement to accept fingerprints of, and exchange criminal history records with respect to, certain persons. - (1) The Department of Law Enforcement may accept fingerprints of...

624.36 - Coverage of and access to behavioral health care services; complaints; reporting. - (1) By January 31, 2022, the department shall submit a...

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

624.401 - Certificate of authority required. - (1) No person shall act as an insurer, and no...

624.402 - Exceptions, certificate of authority required. - (1) Investigation, settlement, or litigation of claims under its policies...

624.4031 - Church benefit plans and church benefit board. - (1) For purposes of this section, “church benefits board” means...

624.404 - General eligibility of insurers for certificate of authority. - (1) No insurer shall be authorized to transact insurance in...

624.4055 - Restrictions on existing private passenger automobile insurance. - History.—s. 42, ch. 2007-1; s. 138, ch. 2020-2.

624.406 - Combinations of insuring powers, one insurer. - (1) A life insurer may also grant annuities, but shall...

624.407 - Surplus required; new insurers. - (1) To receive authority to transact any one kind or...

624.40711 - Restrictions on insurers that are wholly owned subsidiaries of insurers to do business in state. - (1) A new certificate of authority for the transaction of...

624.4073 - Officers and directors of insolvent insurers. - History.—s. 13, ch. 2002-25; s. 11, ch. 2018-102.

624.408 - Surplus required; current insurers. - (1) To maintain a certificate of authority to transact any...

624.4085 - Risk-based capital requirements for insurers. - (1) As used in this section, the term: (a) “Adjusted...

624.40851 - Confidentiality of risk-based capital information. - (1) The initial risk-based capital report and any adjusted risk-based...

624.4094 - Bail bond premiums. - (1) The Legislature finds that a significant portion of bail...

624.4095 - Premiums written; restrictions. - (1) Whenever an insurer’s ratio of actual or projected annual...

624.410 - Permissible insuring combinations without additional capital funds. - History.—s. 54, ch. 59-205; ss. 13, 35, ch. 69-106; s....

624.411 - Deposit requirement; domestic insurers and foreign insurers. - (1) As to domestic insurers, the office shall not issue...

624.412 - Deposit of alien insurers. - (1) An alien insurer shall not have authority to transact...

624.413 - Application for certificate of authority. - (1) To apply for a certificate of authority, an insurer...

624.4135 - Redomestication. - History.—s. 3, ch. 2000-370; s. 793, ch. 2003-261.

624.414 - Issuance or refusal of authority. - History.—s. 58, ch. 59-205; s. 1, ch. 65-242; ss. 13,...

624.415 - Ownership of certificate of authority; return. - History.—s. 59, ch. 59-205; ss. 13, 35, ch. 69-106; s....

624.416 - Continuance, expiration, reinstatement, and amendment of certificate of authority. - (1) A certificate of authority issued under this code shall...

624.418 - Suspension, revocation of certificate of authority for violations and special grounds. - (1) The office shall suspend or revoke an insurer’s certificate...

624.420 - Order, notice of suspension or revocation of certificate of authority; effect; publication. - (1) Suspension or revocation of an insurer’s certificate of authority...

624.421 - Duration of suspension; insurer’s obligations during suspension period; reinstatement. - (1) Suspension of an insurer’s certificate of authority shall be...

624.4211 - Administrative fine in lieu of suspension or revocation. - (1) If the office finds that one or more grounds...

624.4212 - Confidentiality of proprietary business and other information. - (1) As used in this section, the term “proprietary business...

624.4213 - Trade secret documents. - (1) If any person who is required to submit documents...

624.422 - Service of process; appointment of Chief Financial Officer as process agent. - (1) Each licensed insurer, whether domestic, foreign, or alien, shall...

624.423 - Serving process. - (1) Service of process upon the Chief Financial Officer as...

624.424 - Annual statement and other information. - (1)(a) Each authorized insurer shall file with the office full...

624.4241 - NAIC filing requirements. - (1) Each domestic, foreign, and alien insurer who is authorized...

624.4243 - Reporting of premium growth. - (1) Each insurer that has been authorized to transact property...

624.4245 - Change in controlling interest of foreign or alien insurer; report required. - History.—s. 1, ch. 70-323; s. 3, ch. 76-168; s. 1,...

624.425 - Agent countersignature required, property, casualty, surety insurance. - (1) Except as stated in s. 624.426, no authorized property,...

624.426 - Exceptions to countersignature law. - (1) Contracts of reinsurance. (2) Policies of insurance on the...

624.428 - Licensed agent law, life and health insurances. - (1) No insurer shall deliver or issue for delivery in...

624.430 - Withdrawal of insurer or discontinuance of writing certain kinds or lines of insurance. - (1) Any insurer desiring to surrender its certificate of authority,...

624.4305 - Nonrenewal of residential property insurance policies. - History.—s. 6, ch. 2008-66.

624.4315 - Workers’ compensation insurers; notice of significant underwriting change. - History.—s. 1, ch. 2004-82.

624.436 - Florida Nonprofit Multiple-Employer Welfare Arrangement Act. - History.—s. 3, ch. 83-203; s. 3, ch. 84-94; ss. 22,...

624.4361 - Definitions. - (1) “Arrangement” means a multiple-employer welfare arrangement. (2) “Fund balance”...

624.437 - “Multiple-employer welfare arrangement” defined; certificate of authority required; penalty. - (1) For the purposes of ss. 624.436-624.446, the term “multiple-employer...

624.438 - General eligibility. - (1) To meet the requirements for issuance of a certificate...

624.4385 - Certain words prohibited in name of organization. - History.—ss. 26, 188, ch. 91-108; s. 4, ch. 91-429.

624.439 - Filing of application. - (1) A copy of the articles of incorporation, constitution, and...

624.4392 - Fund balance. - (1) Each multiple-employer welfare arrangement licensed on or after October...

624.44 - Examination by the office. - (1)(a) The office shall examine the affairs, transactions, accounts, business...

624.441 - Insolvency protection. - (1) To assure the faithful performance of its obligations to...

624.4411 - Administrative, provider, and management contracts. - (1) The office may require a multiple-employer welfare arrangement to...

624.4412 - Policy forms. - (1) No policy or contract form, application form, certificate, rider,...

624.4414 - Employer participants’ liability. - (1) The liability of each employer participant for the obligations...

624.4415 - Assessments. - (1) All multiple-employer welfare arrangements shall provide that employers are...

624.4416 - Assessments by receiver. - (1) In the event of delinquency proceedings against a multiple-employer...

624.4417 - Certain sales prohibited. - (1) A multiple-employer welfare arrangement may not offer, advertise, or...

624.442 - Annual reports; actuarial certification; quarterly reports; penalties. - (1) Every arrangement shall, annually within 3 months after the...

624.443 - Place of business; maintenance of records. - History.—s. 6, ch. 85-212; s. 1, ch. 86-286; ss. 187,...

624.4431 - Administration; rules. - History.—ss. 36, 188, ch. 91-108; s. 4, ch. 91-429; s....

624.4432 - Assets, liabilities, and investments. - History.—ss. 37, 188, ch. 91-108; s. 4, ch. 91-429.

624.444 - Suspension, revocation of approval. - (1) The office shall deny, suspend, or revoke an arrangement’s...

624.445 - Order, notice, duration, effect of suspension or revocation; administrative fine. - (1) Suspension or revocation of an arrangement’s certificate of authority...

624.446 - Rehabilitation, dissolution. - History.—s. 6, ch. 85-212; s. 1, ch. 86-286; ss. 187,...

624.447 - Certificate of insurance for contractors. - History.—s. 14, ch. 87-310; s. 188, ch. 91-108; s. 4,...

624.448 - Assets of insurers; reporting requirements. - (1) As used in this section, the term: (a) “Material...

624.449 - Insurer investment in foreign companies. - History.—s. 3, ch. 2014-134.

624.45 - Participation of financial institutions in reinsurance and in insurance exchanges. - (1) Own or control, directly or indirectly, any insurer which...

624.460 - Short title. - History.—s. 25, ch. 86-160; s. 188, ch. 91-108; s. 4,...

624.461 - Definition. - History.—s. 77, ch. 93-415; s. 14, ch. 99-3; s. 103,...

624.462 - Commercial self-insurance funds. - (1) Any group of persons may form a commercial self-insurance...

624.4621 - Group self-insurance funds. - (1) The commission shall adopt rules that allow two or...

624.4622 - Local government self-insurance funds. - (1) Any two or more local governmental entities may enter...

624.46223 - Notice of intent to withdraw. - History.—ss. 3, 43, ch. 2010-175. 1Note.—As enacted by s. 43,...

624.46225 - Self-insured public utilities. - History.—s. 19, ch. 83-305; s. 43, ch. 89-289; s. 56,...

624.46226 - Public housing authorities self-insurance funds; exemption for taxation and assessments. - (1) Notwithstanding any other provision of law, any two or...

624.4623 - Independent Educational Institution Self-Insurance Funds. - (1) Notwithstanding any other provision of law, any two or...

624.4625 - Corporation not for profit self-insurance funds. - (1) Notwithstanding any other provision of law, any two or...

624.4626 - Electric cooperative self-insurance fund. - (1) Notwithstanding any other provision of law, any two or...

624.464 - Certificate of authority required; penalties. - (1) No person shall establish a commercial self-insurance fund unless...

624.466 - Application requirements for certificate of authority. - (1) The name of the fund and the location of...

624.468 - Continuing requirements for certificate of authority. - (1) Maintenance of competent and trustworthy persons to service the...

624.470 - Annual reports. - (1)(a) Every self-insurance fund shall, annually within 3 months of...

624.472 - Member’s liability. - (1) The liability of each member other than a governmental...

624.473 - Dividends. - History.—s. 32, ch. 86-160; s. 188, ch. 91-108; s. 4,...

624.474 - Assessments. - (1) The trustees of a self-insurance fund operating as a...

624.4741 - Venue in assessment actions. - History.—s. 84, ch. 93-415; s. 831, ch. 2003-261.

624.475 - Tax on premiums, contributions, and assessments. - History.—s. 4, ch. 88-206; s. 15, ch. 89-167; s. 188,...

624.476 - Impaired self-insurance funds. - (1) If the assets of a self-insurance fund are at...

624.477 - Liquidation, rehabilitation, reorganization, and conservation. - History.—s. 8, ch. 97-262; s. 833, ch. 2003-261.

624.480 - Filing, approval, and disapproval of forms. - (1) A basic insurance policy or application form for which...

624.482 - Making and use of rates. - (1) With respect to all classes of insurance which a...

624.483 - Self-insurer members; payment of delinquent premiums and assessments. - History.—s. 2, ch. 67-606; ss. 17, 35, ch. 69-106; s....

624.484 - Registration of agent. - History.—s. 38, ch. 86-160; s. 188, ch. 91-108; s. 4,...

624.486 - Examination. - History.—s. 39, ch. 86-160; s. 188, ch. 91-108; s. 4,...

624.487 - Enforcement of specified insurance provisions. - History.—s. 132, ch. 91-108; s. 91, ch. 93-415; s. 838,...

624.488 - Applicability of related laws. - (1) Sections 624.155, 624.308, 624.414, 624.415, and 624.416(4); ss. 624.418-624.4211,...

624.489 - Liability of trustees of self-insurance trust fund and directors of self-insurance funds operating as corporations. - (1) A trustee of any self-insurance trust fund organized under...

624.490 - Registration of pharmacy benefit managers. - (1) As used in this section, the term “pharmacy benefit...

624.491 - Pharmacy audits. - (1) A health insurer or health maintenance organization providing pharmacy...

Part IV - Fees, Taxes, and Funds (Ss. 624.501-624.523)

624.501 - Filing, license, appointment, and miscellaneous fees. - (1) Certificate of authority of insurer. (a) Filing application for...

624.5015 - Advance collection of fees and taxes; title insurers not to pay without reimbursement. - (1) The department or the office shall collect in advance...

624.502 - Service of process fee. - History.—s. 1, ch. 67-260; ss. 13, 35, ch. 69-106; s....

624.504 - Liability for state, county tax. - History.—s. 76, ch. 59-205; s. 3, ch. 76-168; s. 1,...

624.505 - County tax; determination; additional offices; nonresident agents. - (1) The county tax provided for under s. 624.501 as...

624.506 - County tax; deposit and remittance. - (1) The department shall deposit in the Agents County Tax...

624.507 - Municipal tax. - History.—s. 79, ch. 59-205; s. 3, ch. 76-168; s. 1,...

624.508 - Insurer’s license tax; when payable. - (1) The insurer’s license tax provided for in s. 624.501(3)...

624.509 - Premium tax; rate and computation. - (1) In addition to the license taxes provided for in...

624.5091 - Retaliatory provision, insurers. - (1)(a) When by or pursuant to the laws of any...

624.5092 - Administration of taxes; payments. - (1) The Department of Revenue shall administer, audit, and enforce...

624.50921 - Adjustments. - (1) If a taxpayer is required to amend its corporate...

624.5094 - Casualty insurance premiums. - History.—s. 7, ch. 97-292.

624.510 - Tax on wet marine and transportation insurance. - (1) On or before March 1 of each year each...

624.5105 - Community contribution tax credit; authorization; limitations; eligibility and application requirements; administration; definitions; expiration. - (1) AUTHORIZATION TO GRANT TAX CREDITS; LIMITATIONS.— (a) There shall...

624.51055 - Credit for contributions to eligible nonprofit scholarship-funding organizations. - (1) There is allowed a credit of 100 percent of...

624.51056 - Credit for contributions to the New Worlds Reading Initiative. - 2(1) For taxable years beginning on or after January 1,...

624.51057 - Credit for contributions to eligible charitable organizations. - 2(1) For taxable years beginning on or after January 1,...

624.5107 - Child care tax credits. - (1) If the credit granted under this section is not...

624.511 - Tax statement; overpayments. - (1) Tax returns as to taxes mentioned in ss. 624.509...

624.515 - State Fire Marshal regulatory assessment and surcharge; levy and amount. - (1)(a) In addition to any other license or excise tax...

624.516 - State Fire Marshal regulatory assessment and surcharge; deposit and use of funds. - (1) The regulatory assessment imposed under s. 624.515(1) and the...

624.517 - State Fire Marshal regulatory assessment; reduction of assessment. - (1) The office shall ascertain on or before December 1...

624.518 - State Fire Marshal regulatory assessment and surcharge; tax return, overpayment. - (1) Tax returns with respect to the regulatory assessment and...

624.519 - Nonpayment of premium tax or fire marshal assessment; penalty. - History.—s. 91, ch. 59-205; ss. 13, 21, 35, ch. 69-106;...

624.520 - Preemption by state. - (1) This state hereby preempts the field of imposing excise,...

624.521 - Deposit of certain tax receipts; refund of improper payments. - (1) The department shall promptly deposit in the State Treasury...

624.523 - Insurance Regulatory Trust Fund. - (1) There is created in the State Treasury a trust...

Part V - Kinds of Insurance; Limits of Risk; Reinsurance (Ss. 624.601-624.610)

624.601 - Definitions not mutually exclusive. - History.—s. 99, ch. 59-205; s. 3, ch. 76-168; s. 1,...

624.6011 - “Kinds of insurance” defined. - (1) Life. (2) Health. (3) Property. (4) Casualty. (5) Surety....

624.6012 - “Lines of insurance” defined. - History.—ss. 39, 51, 70, ch. 89-360; ss. 187, 188, ch....

624.602 - “Life insurance,” “life insurer” defined. - (1) “Life insurance” is insurance of human lives. The transaction...

624.603 - “Health insurance” defined. - History.—s. 101, ch. 59-205; s. 1, ch. 65-10; s. 3,...

624.604 - “Property insurance” defined. - History.—s. 102, ch. 59-205; s. 3, ch. 76-168; s. 1,...

624.605 - “Casualty insurance” defined. - (1) “Casualty insurance” includes: (a) Vehicle insurance.—Insurance against loss of...

624.606 - “Surety insurance” defined. - (1) “Surety insurance” includes: (a) A contract bond, including a...

624.6065 - “Fidelity insurance” defined. - (1) Insurance guaranteeing the fidelity of persons holding positions of...

624.607 - “Marine insurance,” “wet marine and transportation insurance,” and “inland marine insurance” defined. - (1) “Marine insurance” includes: (a) Insurance against any kinds of...

624.608 - “Title insurance” defined. - (1) Insurance of owners of real property or others having...

624.6081 - “Residual value insurance” defined. - History.—ss. 2, 7, ch. 88-87; ss. 187, 188, ch. 91-108;...

624.6085 - “Collateral protection insurance” defined. - History.—s. 10, ch. 99-204.

624.609 - Limit of risk. - (1) No insurer shall retain any risk on any one...

624.610 - Reinsurance. - (1) The purpose of this section is to protect the...

Part VI - Administrative Supervision; Confidentiality; Review (Ss. 624.80-624.915)

624.80 - Definitions. - (1) “Insurer” means and includes every person as defined in...

624.81 - Notice to comply with written requirements of office; noncompliance. - (1) If the office determines that the conditions set forth...

624.82 - Confidentiality of certain proceedings and records. - (1) Orders, notices, correspondence, reports, records, and other information in...

624.83 - Prohibited acts during period of supervision. - (1) Dispose of, convey, or encumber any of its assets...

624.84 - Review. - History.—ss. 71, 72, ch. 89-360; s. 4, ch. 91-429; s....

624.85 - Administrative election of proceedings. - History.—ss. 71, 72, ch. 89-360; s. 4, ch. 91-429; s....

624.86 - Other laws; conflicts; meetings between the office and the supervisor. - History.—ss. 71, 72, ch. 89-360; s. 4, ch. 91-429; s....

624.87 - Administrative supervision; expenses. - (1) During the period of supervision the office by contract...

624.91 - The Florida Healthy Kids Corporation Act. - (1) SHORT TITLE.—This section may be cited as the “William...

624.915 - Florida Healthy Kids Corporation; operating fund. - History.—s. 1, ch. 2002-220.

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Florida Statutes Title XXXVII - Insurance Chapter 624 - Insurance Code: Administration and General Provisions

Florida Statutes
Title XXXVII - Insurance
Chapter 624 - Insurance Code: Administration and General Provisions