Florida Statutes
Title XXXVII - Insurance
Chapter 626 - Insurance Field Representatives and Operations

626.112 - License and appointment required; agents, customer representatives, adjusters, insurance agencies, service representatives, managing general agents, insurance adjusting firms. - (1)(a) No person may be, act as, or advertise or...

626.141 - Violation not to affect validity of insurance. - History.—s. 193, ch. 59-205; s. 3, ch. 76-168; s. 1,...

626.161 - Licensing forms. - History.—s. 195, ch. 59-205; ss. 13, 35, ch. 69-106; s....

626.171 - Application for license as an agent, customer representative, adjuster, service representative, or reinsurance intermediary. - (1) The department may not issue a license as agent,...

626.172 - Application for insurance agency license. - (1) The department may issue a license as an insurance...

626.173 - Insurance agency closure; cancellation of licenses. - (1) If a licensed insurance agency permanently ceases the transacting...

626.175 - Temporary licensing. - (1) The department may issue a nonrenewable temporary license for...

626.181 - Number of applications for licensure required. - (1) Specifically ordered by the department to complete a new...

626.191 - Repeated applications. - History.—s. 198, ch. 59-205; ss. 13, 35, ch. 69-106; s....

626.201 - Investigation. - (1) The department or office may propound any reasonable interrogatories...

626.202 - Fingerprinting requirements. - (1) The requirements for completion and submission of fingerprints under...

626.207 - Disqualification of applicants and licensees; penalties against licensees; rulemaking authority. - (1) For purposes of this section, the term or terms:...

626.211 - Approval, disapproval of application. - (1) If upon the basis of a completed application for...

626.221 - Examination requirement; exemptions. - (1) The department may not issue any license as agent...

626.231 - Eligibility; application for examination. - (1) No person shall be permitted to take an examination...

626.241 - Scope of examination. - (1) Each examination for a license as an agent or...

626.2415 - Annual report of results of life insurance examinations. - (1) No later than May 1 of each year, the...

626.251 - Time and place of examination; notice. - (1) The department, or a person designated by the department,...

626.261 - Conduct of examination. - (1) The applicant for license or the applicant for examination...

626.266 - Printing of examinations or related materials to preserve examination security. - History.—s. 1, ch. 85-208; s. 79, ch. 87-224; s. 5,...

626.271 - Examination fee; determination, refund. - (1) Prior to being permitted to take an examination, each...

626.281 - Reexamination. - (1) An applicant for license or examination who has: (a)...

626.2815 - Continuing education requirements. - (1) The purpose of this section is to establish requirements...

626.2816 - Regulation of continuing education for licensees, course providers, instructors, school officials, and monitor groups. - (1) Continuing education course providers, instructors, school officials, and monitor...

626.2817 - Regulation of course providers, instructors, and school officials involved in prelicensure education for insurance agents and other licensees. - (1) Any course provider, instructor, or school official must be...

626.291 - Examination results; denial, issuance of license. - (1) Within 30 days after the applicant has completed any...

626.292 - Transfer of license from another state. - (1) An individual licensed in good standing in another state...

626.301 - Form and contents of licenses, in general. - History.—s. 209, ch. 59-205; ss. 13, 35, ch. 69-106; s....

626.311 - Scope of license. - (1) Except as to personal lines agents and limited licenses,...

626.321 - Limited licenses and registration. - (1) The department shall issue to a qualified applicant a...

626.322 - License, appointment; certain military installations. - History.—s. 1, ch. 65-545; ss. 13, 35, ch. 69-106; s....

626.331 - Number of appointments permitted or required. - (1) Except as otherwise expressly provided in this code, the...

626.341 - Additional appointments; general lines, life, and health agents. - (1) At any time while a licensee’s license is in...

626.342 - Furnishing supplies to unlicensed agent prohibited; civil liability. - (1) An insurer, a managing general agent, an insurance agency,...

626.371 - Payment of fees, taxes for appointment period without appointment. - (1) All initial and renewal appointments shall be submitted to...

626.381 - Renewal, continuation, reinstatement, or termination of appointment. - (1) The appointment of an appointee continues in force until...

626.382 - Continuation, expiration of license; insurance agencies. - History.—ss. 182(2nd), 807, ch. 82-243; ss. 206, 207, ch. 90-363;...

626.431 - Effect of expiration of license and appointment. - (1) Upon the expiration of any person’s appointment, as provided...

626.441 - License or appointment; transferability. - History.—s. 223, ch. 59-205; s. 3, ch. 76-168; s. 1,...

626.451 - Appointment of agent or other representative. - (1) Each appointing entity or person designated by the department...

626.461 - Continuation of appointment of agent or other representative. - History.—s. 225, ch. 59-205; ss. 13, 35, ch. 69-106; s....

626.471 - Termination of appointment. - (1) Subject to an appointee’s contract rights, an appointing entity...

626.511 - Reasons for termination; confidential information. - (1) Any insurer terminating the appointment of an agent; any...

626.536 - Reporting of administrative actions. - History.—s. 17, ch. 2002-206; s. 17, ch. 2005-257; s. 17,...

626.541 - Firm, corporate, and business names; officers; associates; notice of changes. - (1) Any licensed agent or adjuster doing business under a...

626.551 - Notice of change of address, name. - History.—s. 234, ch. 59-205; ss. 13, 35, ch. 69-106; s....

626.561 - Reporting and accounting for funds. - (1) All premiums, return premiums, or other funds belonging to...

626.571 - Delinquent agencies; notice of trusteeship. - History.—s. 236, ch. 59-205; ss. 13, 35, ch. 69-106; s....

626.5715 - Parity of regulation of insurance agents and agencies. - History.—s. 5, ch. 96-168; s. 10, ch. 2001-142.

626.572 - Rebating; when allowed. - (1) No insurance agency agent shall rebate any portion of...

626.581 - Commissions contingent upon adjustment savings; prohibition. - (1) It is unlawful for any insurer to enter into...

626.591 - Penalty for violation of s. 626.581. - (1) If any agent is found by the department to...

626.593 - Insurance agent; written contract for compensation. - (1) No person licensed as an insurance agent may receive...

626.601 - Improper conduct; inquiry; fingerprinting. - (1) The department or office may, upon its own motion...

626.602 - Insurance agency names; disapproval. - (1) The name interferes with or is too similar to...

626.611 - Grounds for compulsory refusal, suspension, or revocation of agent’s, title agency’s, adjuster’s, customer representative’s, service representative’s, or managing general agent’s license or appointment. - (1) The department shall deny an application for, suspend, revoke,...

626.6115 - Grounds for compulsory refusal, suspension, or revocation of insurance agency license. - (1) Lack by the agency of one or more of...

626.621 - Grounds for discretionary refusal, suspension, or revocation of agent’s, adjuster’s, customer representative’s, service representative’s, or managing general agent’s license or appointment. - (1) Any cause for which issuance of the license or...

626.6215 - Grounds for discretionary refusal, suspension, or revocation of insurance agency license. - (1) Any cause for which issuance of the license could...

626.631 - Procedure for refusal, suspension, or revocation of license. - (1) If any licensee is convicted by a court of...

626.641 - Duration of suspension or revocation. - (1) The department shall, in its order suspending a license...

626.651 - Effect of suspension, revocation upon associated licenses and appointments and licensees and appointees. - (1) Upon suspension, revocation, or refusal to renew or continue...

626.6515 - Effect of suspension or revocation upon associated agencies. - History.—ss. 211, 807, ch. 82-243; ss. 206, 207, ch. 90-363;...

626.661 - Surrender of license. - (1) Though issued to a licensee, all licenses issued under...

626.681 - Administrative fine in lieu of or in addition to suspension, revocation, or refusal of license, appointment, or disapproval. - (1) Except as to insurance agencies, if the department finds...

626.691 - Probation. - (1) If the department finds that one or more grounds...

626.692 - Restitution. - History.—s. 34, ch. 98-199; s. 954, ch. 2003-261; s. 52,...

626.711 - Retaliatory provision, agents. - History.—s. 250, ch. 59-205; s. 3, ch. 76-168; s. 1,...

Part II - General Lines Agents (Ss. 626.726-626.754)

626.726 - Short title. - History.—s. 252, ch. 59-205; s. 3, ch. 76-168; s. 1,...

626.727 - Scope of this part. - History.—s. 251, ch. 59-205; s. 17, ch. 71-86; s. 3,...

626.728 - This part supplements licensing law. - History.—s. 253, ch. 59-205; s. 3, ch. 76-168; s. 1,...

626.729 - “Industrial fire insurance” defined. - (1) Insurance against loss by fire of either buildings and...

626.730 - Purpose of license. - (1) The purpose of a license issued under this code...

626.731 - Qualifications for general lines agent’s license. - (1) The department shall not grant or issue a license...

626.7315 - Prohibition against the unlicensed transaction of general lines insurance. - (1) Solicit insurance or procure applications therefor; (2) In this...

626.732 - Requirement as to knowledge, experience, or instruction. - (1) Except as provided in subsection (4), an applicant for...

626.733 - Agency firms and corporations; special requirements. - History.—s. 258, ch. 59-205; s. 18, ch. 71-86; s. 3,...

626.734 - Corporations, liability of agent. - History.—s. 4, ch. 63-20; s. 3, ch. 76-168; s. 1,...

626.7351 - Qualifications for customer representative’s license. - (1) The applicant is a natural person at least 18...

626.7352 - Customer representative’s office. - History.—ss. 72, 207, ch. 90-363; s. 4, ch. 91-429; s....

626.7353 - Appointment of customer representatives. - (1) Any person duly licensed and appointed as a general...

626.7354 - Customer representative’s powers; agent’s or agency’s responsibility. - (1) A customer representative’s license shall not cover life insurance...

626.741 - Nonresident agents; licensing and restrictions. - (1) The department may, upon written application and the payment...

626.742 - Nonresident agents; service of process. - (1) Each licensed nonresident agent shall appoint the Chief Financial...

626.743 - Nonresident agents; retaliatory provision. - History.—s. 267, ch. 59-205; s. 3, ch. 76-168; s. 1,...

626.744 - Service representatives; application for license. - History.—s. 268, ch. 59-205; ss. 13, 35, ch. 69-106; s....

626.745 - Service representatives, managing general agents; managers; activities. - History.—s. 269, ch. 59-205; s. 3, ch. 76-168; s. 1,...

626.7451 - Managing general agents; required contract provisions. - (1) The insurer or managing general agent may terminate the...

626.7452 - Managing general agents; examination authority. - History.—ss. 85, 207, ch. 90-363; s. 4, ch. 91-429; s....

626.7453 - Managing general agents; errors and omissions insurance. - History.—ss. 86, 207, ch. 90-363; s. 4, ch. 91-429.

626.7454 - Managing general agents; duties of insurers. - (1) The insurer shall have on file for each managing...

626.7455 - Managing general agent; responsibility of insurer. - (1) An insurer may not enter into an agreement with...

626.748 - Agent’s records. - History.—s. 272, ch. 59-205; s. 3, ch. 76-168; s. 1,...

626.749 - Place of business in residence. - (1) A separate room is set aside by the agent...

626.7491 - Business transacted with producer controlled property and casualty insurer. - (1) SHORT TITLE.—This section may be cited as the “Business...

626.7492 - Reinsurance intermediaries. - (1) SHORT TITLE.—This section may be cited as the “Reinsurance...

626.752 - Exchange of business. - (1) As used in this section: (a) “Brokering agent” means...

626.753 - Sharing commissions; penalty. - (1)(a) An agent may divide or share in commissions only...

626.754 - Rights of agent following termination of appointment. - (1) Following the termination of his or her agency appointment...

Part III - Life Insurance Agents (Ss. 626.776-626.798)

626.776 - Short title. - History.—s. 281, ch. 59-205; s. 3, ch. 76-168; s. 1,...

626.777 - Scope of this part. - History.—s. 280, ch. 59-205; s. 3, ch. 76-168; s. 1,...

626.778 - This part supplements licensing law. - History.—s. 282, ch. 59-205; s. 3, ch. 76-168; s. 1,...

626.779 - “Life agent” defined. - History.—s. 283, ch. 59-205; s. 3, ch. 76-168; s. 1,...

626.780 - “Life insurer” defined. - History.—s. 284, ch. 59-205; s. 8, ch. 61-441; s. 3,...

626.781 - “Ordinary class insurer” and “ordinary-variable contract class insurer” defined. - (1) An “ordinary class insurer” is an insurer writing life...

626.782 - “Industrial class insurer” defined. - History.—s. 286, ch. 59-205; s. 3, ch. 76-168; s. 1,...

626.783 - “Ordinary-combination class insurer” defined. - History.—s. 287, ch. 59-205; s. 3, ch. 76-168; s. 1,...

626.784 - Purpose of license. - (1) The purpose of a license issued under this code...

626.7845 - Prohibition against unlicensed transaction of life insurance. - (1) An individual may not solicit or sell variable life...

626.785 - Qualifications for license. - (1) The department shall not grant or issue a license...

626.7851 - Requirement as to knowledge, experience, or instruction. - (1) Successfully completed 40 hours of coursework in life insurance,...

626.788 - United States Department of Veterans Affairs employees disqualified. - History.—s. 292, ch. 59-205; s. 3, ch. 76-168; s. 1,...

626.789 - Military service; special provisions. - History.—s. 293, ch. 59-205; ss. 13, 35, ch. 69-106; s....

626.792 - Nonresident agents; licensing and restrictions. - (1) The department, upon written application and payment of the...

626.793 - Excess or rejected business. - (1) A licensed life agent may place excess or rejected...

626.794 - Unlawful payment or sharing of commissions. - (1) No life insurer or licensed life agent shall pay...

626.795 - Corporations, liability of agent. - History.—s. 5, ch. 63-20; s. 3, ch. 76-168; s. 1,...

626.797 - Code of ethics. - (1) The department shall, after consultation with the Florida Association...

626.798 - Life agent as beneficiary; prohibition. - (1) A life agent may not place or modify life...

Part IV - Health Insurance Agents (Ss. 626.826-626.839)

626.826 - Short title. - History.—s. 302, ch. 59-205; s. 3, ch. 76-168; s. 1,...

626.827 - Scope of this part. - (1) This part applies only to agents of health insurers,...

626.828 - This part supplements licensing law. - History.—s. 303, ch. 59-205; s. 3, ch. 76-168; s. 1,...

626.829 - “Health agent” defined. - (1) A “health agent” is any person appointed as agent...

626.830 - Purpose of license. - (1) The purpose of a license issued under this code...

626.8305 - Prohibition against the unlicensed transaction of health insurance. - (1) Solicit insurance or procure applications; or (2) In this...

626.831 - Qualifications for license. - (1) The department shall not grant or issue a license...

626.8311 - Requirement as to knowledge, experience, or instruction. - (1) Successfully completed 40 hours of coursework in health insurance,...

626.833 - United States Department of Veterans Affairs employees disqualified. - History.—s. 308, ch. 59-205; s. 3, ch. 76-168; s. 1,...

626.834 - Military service; special provisions. - History.—s. 309, ch. 59-205; ss. 13, 35, ch. 69-106; s....

626.835 - Nonresident agents; licensing and restrictions. - (1) The department, upon written application and payment of the...

626.836 - Nonresident agents; service of process. - History.—s. 311, ch. 59-205; ss. 13, 35, ch. 69-106; s....

626.837 - Excess or rejected business. - (1) A licensed health agent may place excess or rejected...

626.8373 - Overinsurance of health insurance coverage. - (1) With respect to the solicitation and sale of health...

626.838 - Unlawful payment or sharing of commissions. - (1) No health insurer or licensed health agent shall pay...

626.839 - Corporations, liability of agent. - History.—s. 6, ch. 63-20; s. 3, ch. 76-168; s. 1,...

Part V - Title Insurance Agents (Ss. 626.841-626.8473)

626.841 - Definitions. - (1) “Title insurance agent” means a person appointed in writing...

626.8411 - Application of Florida Insurance Code provisions to title insurance agents or agencies. - (1) The following provisions applicable to general lines agents or...

626.8412 - License and appointments required. - (1) Except as otherwise provided in this part: (a) Title...

626.8413 - Title insurance agents; certain names prohibited. - History.—s. 1, ch. 85-185; s. 1, ch. 86-286; s. 114,...

626.8414 - Qualifications for examination. - (1) The applicant must be at least 18 years of...

626.8417 - Title insurance agent licensure; exemptions. - (1) A person may not act as a title insurance...

626.8418 - Application for title insurance agency license. - (1) The name of each majority owner, partner, officer, and...

626.8419 - Appointment of title insurance agency. - (1) The title insurer engaging or employing the title insurance...

626.84195 - Confidentiality of information supplied by title insurance agencies and insurers. - (1) As used in this section, the term “proprietary business...

626.842 - Credit and character reports. - (1) As to each person appointed as title insurance agent...

626.84201 - Nonresident title insurance agents. - History.—s. 30, ch. 2005-257; s. 1, ch. 2007-44.

626.8421 - Number of appointments permitted or required. - History.—s. 120, ch. 90-363; s. 277, ch. 97-102; s. 40,...

626.8423 - Investigation of applicants for license or renewal or continuation. - History.—s. 7, ch. 85-185; s. 1, ch. 86-286; s. 121,...

626.8427 - Number of applications for licensure required; exemption; effect of expiration of license. - (1) After a license as a title insurance agent has...

626.843 - Renewal, continuation, reinstatement, termination of title insurance agent’s and title insurance agency’s appointments. - (1) Appointments of a title insurance agent and a title...

626.8433 - Filing of reasons for terminating appointments of title insurance agent and title insurance agency; confidential information. - (1) Any title insurer that is terminating the appointment of...

626.8437 - Grounds for denial, suspension, revocation, or refusal to renew license or appointment. - (1) Lack of one or more of the qualifications for...

626.844 - Grounds for discretionary refusal, suspension, or revocation of license or appointment. - (1) Any cause for which issuance of the license or...

626.8443 - Duration of suspension or revocation. - (1) The department shall, in its order suspending a title...

626.8447 - Effect of suspension or revocation upon other licensees, appointees. - History.—s. 15, ch. 85-185; s. 1, ch. 86-286; s. 128,...

626.845 - Cancellation of license. - History.—s. 16, ch. 85-185; s. 1, ch. 86-286; s. 129,...

626.8453 - Penalty for violation. - History.—s. 17, ch. 85-185; s. 1, ch. 86-286; s. 3,...

626.8457 - Administrative fine in lieu of suspension or revocation of license or appointment. - (1) If the department finds that one or more grounds...

626.846 - Probation. - (1) If the department finds that one or more grounds...

626.8463 - Witnesses and evidence. - (1) As to the subject of any examination, investigation, or...

626.8467 - Testimony compelled; immunity from prosecution. - (1) If a person asks to be excused from attending...

626.847 - Penalty for refusal to testify. - History.—s. 22, ch. 85-185; s. 1, ch. 86-286; s. 154,...

626.8473 - Escrow; trust fund. - (1) A title insurance agent may engage in business as...

Part VI - Insurance Adjusters (Ss. 626.851-626.8797)

626.851 - Short title. - History.—s. 315, ch. 59-205; s. 3, ch. 81-282; s. 2,...

626.852 - Scope of this part. - (1) This part applies only to insurance adjusters as defined...

626.853 - Part supplements licensing law. - History.—s. 316, ch. 59-205; s. 3, ch. 81-282; s. 2,...

626.854 - “Public adjuster” defined; prohibitions. - (1) A “public adjuster” is any person, except a duly...

626.8548 - “All-lines adjuster” defined. - History.—s. 26, ch. 2012-209; s. 4, ch. 2017-147.

626.855 - “Independent adjuster” defined. - History.—s. 318, ch. 59-205; s. 3, ch. 81-282; s. 2,...

626.856 - “Company employee adjuster” defined. - History.—s. 319, ch. 59-205; s. 3, ch. 81-282; s. 2,...

626.8561 - “Public adjuster apprentice” defined. - (1) Is appointed and employed or contracted by a public...

626.8582 - “Nonresident public adjuster” defined. - (1) Is not a resident of this state; (2) Is...

626.8584 - “Nonresident all-lines adjuster” defined. - (1) Is not a resident of this state; (2) Is...

626.859 - “Catastrophe” or “emergency” adjuster defined. - History.—s. 322, ch. 59-205; ss. 13, 35, ch. 69-106; s....

626.860 - Attorneys at law; exemption. - History.—s. 323, ch. 59-205; s. 3, ch. 81-282; s. 2,...

626.861 - Insurer’s officers, insurer’s employees, reciprocal insurer’s representatives; adjustments by. - 1(1) This part may not be construed to prevent an...

626.862 - Agents; adjustments by. - History.—s. 325, ch. 59-205; s. 3, ch. 81-282; s. 2,...

626.8621 - Adjustments by guaranty association employees. - (1) An employee of the Florida Insurance Guaranty Association, created...

626.863 - Claims referrals to independent adjusters. - (1) An insurer may not knowingly refer any claim or...

626.864 - Adjuster license types. - (1) A qualified individual may be licensed as: (a) A...

626.865 - Public adjuster’s qualifications, bond. - (1) The department shall issue a license to an applicant...

626.8651 - Public adjuster apprentice appointment; qualifications. - (1)(a) The department shall issue an appointment as a public...

626.866 - All-lines adjuster qualifications. - (1) Is a natural person at least 18 years of...

626.8685 - Portable electronics insurance claims; exemption; licensure restriction. - (1) This part does not apply to any individual who...

626.869 - License, adjusters; continuing education. - (1) Having a license as an all-lines adjuster qualifies the...

626.8695 - Primary adjuster. - (1) Each business location established by an adjuster, an adjusting...

626.8696 - Application for adjusting firm license. - (1) The application for an adjusting firm license must include:...

626.8697 - Grounds for refusal, suspension, or revocation of adjusting firm license. - (1) The department shall deny, suspend, revoke, or refuse to...

626.8698 - Disciplinary guidelines for public adjusters and public adjuster apprentices. - (1) Violating any provision of this chapter or a rule...

626.870 - Application for license. - (1) Application for a license under this part shall be...

626.871 - Reappointment after military service. - (1) The period of military service must not have been...

626.8732 - Nonresident public adjuster’s qualifications, bond. - (1) The department shall, upon application therefor, issue a license...

626.8734 - Nonresident all-lines adjuster license qualifications. - (1) The department shall issue a license to an applicant...

626.8736 - Nonresident independent or public adjusters; service of process. - (1) Each licensed nonresident public adjuster or all-lines adjuster appointed...

626.8737 - Nonresident adjusters; retaliatory provision. - History.—s. 60, ch. 98-199.

626.8738 - Penalty for violation. - History.—s. 61, ch. 98-199; s. 992, ch. 2003-261; s. 72,...

626.874 - Catastrophe or emergency adjusters. - (1) In the event of a catastrophe or emergency, the...

626.875 - Office and records. - (1) Each appointed independent adjuster and licensed public adjuster must...

626.876 - Exclusive employment; public adjusters, all-lines adjusters. - (1) An individual licensed as a public adjuster may not...

626.877 - Adjustments to comply with insurance contract and law. - History.—s. 340, ch. 59-205; s. 3, ch. 81-282; s. 2,...

626.878 - Rules; code of ethics. - History.—s. 341, ch. 59-205; ss. 13, 35, ch. 69-106; s....

626.8795 - Public adjusters; prohibition of conflict of interest. - History.—s. 7, ch. 2006-12.

626.8796 - Public adjuster contracts; fraud statement. - (1) All contracts for public adjuster services must be in...

626.8797 - Proof of loss; fraud statement. - History.—s. 19, ch. 2008-220; s. 81, ch. 2009-21.

Part VII - Insurance Administrators (Ss. 626.88-626.8991)

626.88 - Definitions. - (1) “Administrator” is any person who directly or indirectly solicits...

626.8805 - Certificate of authority to act as administrator. - (1) It is unlawful for any person to act as...

626.8809 - Fidelity bond. - History.—ss. 29, 64, ch. 88-166; ss. 206, 207, ch. 90-363;...

626.8814 - Disclosure of ownership or affiliation. - History.—s. 4, ch. 83-203; s. 3, ch. 84-94; ss. 206,...

626.8817 - Responsibilities of insurance company with respect to administration of coverage insured. - (1) If an insurer uses the services of an administrator,...

626.882 - Agreement between administrator and insurer; required provisions; maintenance of records. - (1) A person may not act as an administrator without...

626.883 - Administrator as intermediary; collections held in fiduciary capacity; establishment of account; disbursement; payments on behalf of insurer. - (1) If an insurer utilizes the services of an administrator...

626.884 - Maintenance of records by administrator; access; confidentiality. - (1) Every administrator shall maintain in such administrator’s principal administrative...

626.885 - Notice; statement of charge or premium for coverage. - (1) When the services of an administrator are utilized, the...

626.886 - Delivery of insurer’s written communications to policyholders. - History.—s. 4, ch. 83-203; s. 3, ch. 84-94; ss. 206,...

626.887 - Advertising; approval by insurer. - History.—s. 4, ch. 83-203; s. 3, ch. 84-94; ss. 206,...

626.888 - Adjustment or settlement of claims; compensation of administrator. - History.—s. 4, ch. 83-203; s. 3, ch. 84-94; ss. 206,...

626.89 - Annual financial statement and filing fee; notice of change of ownership. - (1) Each authorized administrator shall annually file with the office...

626.891 - Grounds for suspension or revocation of certificate of authority. - (1) The certificate of authority of an administrator shall be...

626.892 - Order of suspension or revocation of certificate of authority; notice. - (1) The suspension or revocation of a certificate of authority...

626.893 - Period of suspension; obligations during suspension; reinstatement. - (1) A certificate of authority of an administrator shall be...

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

626.895 - Definition of “service company” or “service agent.” - History.—s. 4, ch. 83-203; s. 3, ch. 84-94; ss. 206,...

626.896 - Servicing requirements for self-insurers and multiple-employer welfare arrangements. - (1) Each individual self-insurer or multiple-employer welfare arrangement is required...

626.897 - Application for authorization to act as service company; bond. - (1) An application by any business for approval to provide...

626.898 - Requirements for retaining authorization as service company; recertification. - (1) No person may act as a service company without...

626.899 - Withdrawal of authorization as service company. - History.—s. 4, ch. 83-203; s. 3, ch. 84-94; ss. 206,...

626.8991 - Adoption of rules. - History.—s. 5, ch. 2005-182.

Part VIII - Unauthorized Insurers and Surplus Lines (Ss. 626.901-626.939)

626.901 - Representing or aiding unauthorized insurer prohibited. - (1) No person shall, from offices or by personnel or...

626.902 - Penalty for representing unauthorized insurer. - (1) In addition to any other penalties provided in the...

626.903 - Suits by unauthorized insurers prohibited. - History.—s. 344, ch. 59-205; s. 2, ch. 81-318; ss. 318,...

626.904 - Unauthorized Insurers Process Law; short title; interpretation. - (1) Sections 626.904-626.912 may be cited as the “Unauthorized Insurers...

626.905 - Purpose of Unauthorized Insurers Process Law. - History.—s. 346, ch. 59-205; s. 2, ch. 81-318; ss. 318,...

626.906 - Acts constituting Chief Financial Officer as process agent. - (1) The issuance or delivery of contracts of insurance to...

626.907 - Service of process; judgment by default. - (1) Service of process upon an insurer or person representing...

626.908 - Defense of action by unauthorized insurer or person representing or aiding such insurer; damages and attorney fee. - (1) Before an unauthorized insurer or person representing or aiding...

626.909 - Jurisdiction of office and department; service of process on Secretary of State. - (1) The Legislature hereby declares that it is a subject...

626.910 - Penalty for violation by unauthorized insurers and persons representing or aiding such insurers. - History.—s. 2, ch. 67-118; ss. 13, 35, ch. 69-106; s....

626.911 - Attorney’s fee. - History.—s. 350, ch. 59-205; s. 2, ch. 81-318; ss. 318,...

626.912 - Exemptions from ss. 626.904-626.911. - (1) Covering reinsurance, wet marine and transportation, commercial aircraft, or...

626.913 - Surplus Lines Law; short title; purposes. - (1) Sections 626.913-626.937 constitute and may be referred to as...

626.914 - Definitions. - (1) “Surplus lines agent” means an individual licensed as provided...

626.915 - Surplus lines insurance authorized. - (1) The insurance must be eligible for export under s....

626.916 - Eligibility for export. - (1) No insurance coverage shall be eligible for export unless...

626.917 - Eligibility for export; wet marine and transportation, aviation risks. - (1) Insurance coverage of wet marine and transportation risks, as...

626.918 - Eligible surplus lines insurers. - (1) A surplus lines agent may not place any coverage...

626.9181 - Levy upon deposit. - History.—s. 34, ch. 85-321; s. 207, ch. 90-363; s. 4,...

626.919 - Withdrawal of eligibility; surplus lines insurer. - (1) If at any time the office has reason to...

626.9201 - Notice of cancellation or nonrenewal. - (1) An insurer issuing a policy providing coverage for property,...

626.9202 - Loss run statements for all lines of insurance. - (1) As used in this section, the term: (a) “Loss...

626.921 - Florida Surplus Lines Service Office. - (1) There is hereby created a nonprofit association to be...

626.922 - Evidence of the insurance; changes; penalty. - (1) Upon placing a surplus lines coverage, the surplus lines...

626.923 - Filing copy of policy or certificate. - History.—s. 362, ch. 59-205; ss. 13, 35, ch. 69-106; s....

626.924 - Information required on contract. - (1) Each surplus lines agent through whom a surplus lines...

626.925 - Surplus lines insurance valid. - History.—s. 364, ch. 59-205; s. 2, ch. 81-318; ss. 318,...

626.926 - Liability of insurer as to losses and unearned premiums. - (1) If an unauthorized insurer or a person authorized by...

626.927 - Licensing of surplus lines agent. - (1) Any individual, while licensed as a general lines agent...

626.9271 - Temporary license; death, disability, absence of surplus lines agent. - (1) The department may, in its discretion, issue a temporary...

626.9272 - Licensing of nonresident surplus lines agents. - (1) The department may, upon written application and the payment...

626.929 - Origination, acceptance, placement of surplus lines business. - (1) A general lines agent while licensed and appointed as...

626.9295 - Corporations, liability of agent. - History.—ss. 312, 807, ch. 82-243; ss. 206, 207, ch. 90-363;...

626.930 - Records of surplus lines agent. - (1) Each surplus lines agent shall keep in his or...

626.931 - Agent affidavit and insurer reporting requirements. - (1) Each surplus lines agent that has transacted business during...

626.932 - Surplus lines tax. - (1) The premiums charged for surplus lines coverages are subject...

626.9325 - Service fee. - (1) The premiums charged for surplus lines insurance are subject...

626.933 - Collection of tax and service fee. - History.—s. 372, ch. 59-205; ss. 13, 35, ch. 69-106; s....

626.934 - Accounting for funds; contingent commissions. - (1) Section 626.561. (2) Section 626.581. (3) Section 626.591. History.—s....

626.935 - Suspension, revocation, or refusal of surplus lines agent’s license. - (1) The department shall deny an application for, suspend, revoke,...

626.936 - Failure to file reports or pay tax or service fee; administrative penalty. - (1) Any licensed surplus lines agent who neglects to file...

626.9361 - Failure to file report; administrative penalty. - History.—s. 34, ch. 92-146; s. 11, ch. 2001-213; s. 1024,...

626.9362 - Cooperative reciprocal agreement authorized for collection and allocation of certain nonadmitted insurance taxes. - (1) The Department of Financial Services and the Office of...

626.937 - Actions against insurer; service of process. - (1) An unauthorized insurer may be sued upon any cause...

626.9371 - Payment of premiums and claims. - (1) The premiums for surplus lines insurance contracts issued on...

626.9372 - Disclosure statement of certain information required; liability claims. - (1) Each insurer that provides or may provide liability insurance...

626.9373 - Attorney fees. - (1) Upon the rendition of a judgment or decree by...

626.9374 - Liability of insureds; deductible and coinsurance. - (1) Any surplus lines, personal lines residential property insurance policy...

626.938 - Report and tax of independently procured coverages. - (1) Every insured who in this state procures or causes...

626.939 - Records produced on order. - (1) Every person by or as to whom insurance is...

Part IX - Unfair Insurance Trade Practices (Ss. 626.951-626.99)

626.951 - Declaration of purpose. - (1) The purpose of this part is to regulate trade...

626.9511 - Definitions. - (1) “Person” means any individual, corporation, association, partnership, reciprocal exchange,...

626.9521 - Unfair methods of competition and unfair or deceptive acts or practices prohibited; penalties. - (1) No person shall engage in this state in any...

626.9531 - Identification of insurers, agents, and insurance contracts. - (1) Advertising materials and other communications developed by insurers, or...

626.9541 - Unfair methods of competition and unfair or deceptive acts or practices defined. - (1) UNFAIR METHODS OF COMPETITION AND UNFAIR OR DECEPTIVE ACTS.—The...

626.9543 - Holocaust victims. - (1) SHORT TITLE.—This section may be cited as the “Holocaust...

626.9545 - Improper charge identification incentive program. - History.—ss. 1, 9, ch. 84-235; ss. 206, 207, ch. 90-363;...

626.9551 - Favored agent or insurer; coercion of debtors. - (1) No person may: (a) Require, as a condition precedent...

626.9561 - Power of department and office. - History.—s. 9, ch. 76-260; s. 807, ch. 82-243; ss. 206,...

626.9571 - Defined practices; hearings, witnesses, appearances, production of books and service of process. - (1) Whenever the department or office has reason to believe...

626.9581 - Cease and desist and penalty orders. - (1) Suspension or revocation of the person’s certificate of authority,...

626.9591 - Appeals from the department or office. - History.—s. 9, ch. 76-260; s. 807, ch. 82-243; s. 45,...

626.9601 - Penalty for violation of cease and desist orders. - (1) A monetary penalty of not more than $50,000 as...

626.9611 - Rules. - (1) The department or commission may, in accordance with chapter...

626.9621 - Provisions of part additional to existing law. - History.—s. 9, ch. 76-260; s. 807, ch. 82-243; ss. 206,...

626.9631 - Civil liability. - History.—s. 9, ch. 76-260; s. 807, ch. 82-243; ss. 206,...

626.9641 - Policyholders, bill of rights. - (1) The principles expressed in the following statements shall serve...

626.9651 - Privacy. - History.—s. 25, ch. 2001-142; s. 12, ch. 2001-222; s. 143,...

626.9701 - Rate increases and premium surcharges; consideration of certain noncriminal violations for excessive speed prohibited. - History.—s. 5, ch. 76-218; s. 807, ch. 82-243; ss. 206,...

626.9702 - Illegal dealings in premiums; excess charges for insurance. - (1) No insurer shall impose or request an additional premium...

626.9705 - Life or disability insurance; illegal dealings. - (1) No life or disability insurer shall refuse to renew,...

626.9706 - Life insurance; discrimination on basis of sickle-cell trait prohibited. - (1) No insurer authorized to transact insurance in this state...

626.9707 - Disability insurance; discrimination on basis of sickle-cell trait prohibited. - (1) An insurer authorized to transact insurance in this state...

626.97075 - Life insurance, disability insurance, and long-term care insurance; discrimination against living organ donors prohibited. - (1) As used in this section, the term “policy” means...

626.973 - Fictitious groups. - (1) No insurer or any person on behalf of any...

626.9741 - Use of credit reports and credit scores by insurers. - (1) The purpose of this section is to regulate and...

626.9743 - Claim settlement practices relating to motor vehicle insurance. - (1) This section shall apply to the adjustment and settlement...

626.9744 - Claim settlement practices relating to property insurance. - (1) When a loss requires repair or replacement of an...

626.9885 - Financial institutions conducting insurance transactions. - History.—s. 4, ch. 99-388; s. 43, ch. 2011-194.

626.989 - Investigation by department or Division of Investigative and Forensic Services; compliance; immunity; confidential information; reports to division; division investigator’s power of arrest. - (1) For the purposes of this section: (a) A person...

626.9891 - Insurer anti-fraud investigative units; reporting requirements; penalties for noncompliance. - (1) As used in this section, the term: (a) “Anti-fraud...

626.9892 - Anti-Fraud Reward Program; reporting of insurance fraud. - (1) The Anti-Fraud Reward Program is hereby established within the...

626.9893 - Disposition of revenues; criminal or forfeiture proceedings. - (1) The Division of Investigative and Forensic Services of the...

626.9894 - Gifts and grants. - (1) The department may accept, for purposes of anti-fraud efforts,...

626.9896 - Dedicated insurance fraud prosecutors. - (1) The department shall collect data from each state attorney...

626.99 - Life insurance solicitation. - (1) PURPOSE.—The purpose of this section is to require insurers...

Part X - Viatical Settlements (Ss. 626.991-626.99295)

626.991 - Short title. - History.—s. 1, ch. 96-336.

626.9911 - Definitions. - (1) “Financing entity” means an underwriter, placement agent, lender, purchaser...

626.9912 - Viatical settlement provider license required; application for license. - (1) A person may not perform the functions of a...

626.9913 - Viatical settlement provider license continuance; annual report; fees; deposit. - (1) A viatical settlement provider license continues in force until...

626.9914 - Suspension, revocation, denial, or nonrenewal of viatical settlement provider license; grounds; administrative fine. - (1) The office shall suspend, revoke, deny, or refuse to...

626.9915 - Effect of suspension or revocation of viatical settlement provider license; duration of suspension; reinstatement. - (1) When its license is suspended or revoked, the provider...

626.9916 - Viatical settlement broker license required. - (1) After October 1, 2006, a person, other than a...

626.99175 - Life expectancy providers; registration required; denial, suspension, revocation. - (1) A person may not perform the functions of a...

626.99181 - Viatical settlement broker’s compensation. - History.—s. 2, ch. 99-212.

626.9919 - Notice of change of licensee or registrant’s address or name. - History.—s. 10, ch. 96-336; s. 3, ch. 99-212; s. 1050,...

626.992 - Use of licensed viatical settlement providers, viatical settlement brokers, and registered life expectancy providers required. - (1) A licensed viatical settlement provider may not use any...

626.9921 - Filing of forms; required procedures; approval. - (1) A viatical settlement contract form, escrow form, or related...

626.9922 - Examination. - (1) The office or department may examine the business and...

626.9923 - Viatical settlement contracts; required disclosures. - (1) That there are possible alternatives to viatical settlement contracts...

626.9924 - Viatical settlement contracts; procedures; rescission. - (1) A viatical settlement provider entering into a viatical settlement...

626.99245 - Conflict of regulation of viaticals. - (1) A viatical settlement provider who from this state enters...

626.9925 - Rules. - History.—s. 16, ch. 96-336; s. 7, ch. 99-212; s. 8,...

626.9926 - Rate regulation not authorized. - History.—s. 17, ch. 96-336; s. 8, ch. 99-212; s. 1056,...

626.9927 - Unfair trade practices; cease and desist; injunctions; civil remedy. - (1) A violation of this act is an unfair trade...

626.99272 - Cease and desist orders and fines. - (1) The office or department as appropriate may issue a...

626.99275 - Prohibited practices; penalties. - (1) It is unlawful for a person to: (a) Knowingly...

626.99278 - Viatical provider anti-fraud plan. - (1) A description of the procedures for detecting and investigating...

626.9928 - Acquisitions. - History.—s. 19, ch. 96-336; s. 30, ch. 2005-237.

626.99285 - Applicability of insurance code. - History.—s. 11, ch. 2000-344; s. 1059, ch. 2003-261; s. 31,...

626.99287 - Contestability of viaticated policies. - (1) Except as hereinafter provided, if a viatical settlement contract...

626.99289 - Void and unenforceable contracts, agreements, arrangements, and transactions. - History.—s. 10, ch. 2017-178.

626.99291 - Contestability of life insurance policies. - History.—s. 11, ch. 2017-178.

626.99292 - Notice to insureds. - (1) A life insurer shall provide an individual life insurance...

626.99295 - Grace period. - History.—s. 13, ch. 2000-344; s. 1060, ch. 2003-261; s. 32,...

Part XI - Structured Settlements (S. 626.99296)

626.99296 - Transfers of structured settlement payment rights. - (1) PURPOSE.—The purpose of this section is to protect recipients...

Part XII - Interstate Insurance Product Regulation (Ss. 626.9931-626.9938)

626.9931 - Legislative findings; intent. - (1) The Legislature finds that the financial services marketplace has...

626.9932 - Interstate Insurance Product Regulation Compact. - Interstate Insurance Product Regulation Compact Preamble This compact is intended...

626.9933 - Opt out from long-term care products standards. - History.—s. 3, ch. 2013-140.

626.9934 - Effective date of compact standards; opt out procedures; state law exemptions; legislative notice. - (1) Except as provided in s. 626.9933 and this section,...

626.9935 - Applicability of taxes. - (1) State unemployment or reemployment taxes imposed pursuant to chapter...

626.9936 - Access to records. - (1) Notwithstanding subsections (1) and (2) of Article VIII, subsection...

626.9937 - Rules. - History.—s. 7, ch. 2013-140.

626.9938 - Severability. - History.—s. 8, ch. 2013-140.

Part XIII - Navigators (Ss. 626.995-626.9958)

626.995 - Scope of part. - History.—s. 5, ch. 2013-101.

626.9951 - Definitions. - (1) “Exchange” means an exchange established for this state under...

626.9952 - Registration required; purpose. - (1) Beginning August 1, 2013, an individual may not act...

626.9953 - Qualifications for registration; application required. - (1) The department may not approve the registration of an...

626.9954 - Disqualification from registration. - (1) As used in this section, the terms “felony of...

626.9955 - Registered navigator list. - History.—s. 10, ch. 2013-101.

626.9956 - Notice of change of registrant information. - History.—s. 11, ch. 2013-101.

626.9957 - Conduct prohibited; denial, revocation, or suspension of registration. - (1) As provided in s. 626.112, only a person licensed...

626.9958 - Rulemaking. - History.—s. 13, ch. 2013-101.

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Florida Statutes Title XXXVII - Insurance Chapter 626 - Insurance Field Representatives and Operations

Florida Statutes
Title XXXVII - Insurance
Chapter 626 - Insurance Field Representatives and Operations