Scope.
F.S. 631.52
in effectThis part shall apply to all kinds of direct insurance, except:
(1)
Life, annuity, health, or disability insurance;
(2)
Mortgage guaranty, financial guaranty, or other forms of insurance offering protection against investment risks;
(3)
Fidelity or surety bonds, or any other bonding obligations;
(4)
Credit insurance, vendors’ single interest insurance, or collateral protection insurance or any similar insurance protecting the interests of a creditor arising out of a creditor-debtor transaction;
(5)
Warranty, including motor vehicle service, home warranty, or service warranty;
(6)
Ambulance service, health care service, or preneed funeral merchandise or service;
(7)
Optometric service plan, pharmaceutical service plan, or dental service plan;
(8)
Legal expense;
(9)
Health maintenance, prepaid health clinic, or continuing care;
(10)
Ocean marine or wet marine insurance;
(11)
Self-insurance and any kind of self-insurance fund, liability pool, or risk management fund;
(12)
Title insurance;
(13)
Surplus lines;
(14)
Workers’ compensation, including claims under employer liability coverage;
(15)
Any transaction or combination of transactions between a person, including affiliates of such person, and an insurer, including affiliates of such insurer, which involves the transfer of investment or credit risk unaccompanied by the transfer of insurance risk; or
(16)
Any insurance provided by or guaranteed by government.
Source: FL Statutes (Official Site)URL: https://www.flsenate.gov/Laws/Statutes/2025/Chapter631/AllFetched: 7/8/2026