INSURANCE FIELD REPRESENTATIVES AND OPERATIONS
F.S. Ch. 626
in effectContents
section626.011. Short title.section626.015. Definitions.section626.016. Powers and duties of department, commission, and office.section626.022. Scope of part.section626.025. Consumer protections.section626.88. Definitions.section626.89. Annual financial statement and filing fee; notice of change of ownership; pharmacy benefit manager filings.section626.99. Life insurance solicitation.section626.112. License and appointment required; agents, customer representatives, adjusters, insurance agencies, service representatives, managing general agents, insurance adjusting firms.section626.141. Violation not to affect validity of insurance.section626.161. Licensing forms.section626.171. Application for license as an agent, customer representative, adjuster, service representative, or reinsurance intermediary.section626.172. Application for insurance agency license.section626.173. Insurance agency closure; cancellation of licenses.section626.175. Temporary licensing.section626.181. Number of applications for licensure required.section626.191. Repeated applications.section626.201. Investigation.section626.202. Fingerprinting requirements.section626.207. Disqualification of applicants and licensees; penalties against licensees; rulemaking authority.section626.211. Approval, disapproval of application.section626.221. Examination requirement; exemptions.section626.231. Eligibility; application for examination.section626.241. Scope of examination.section626.251. Time and place of examination; notice.section626.261. Conduct of examination.section626.266. Printing of examinations or related materials to preserve examination security.section626.271. Examination fee; determination, refund.section626.281. Reexamination.section626.291. Examination results; denial, issuance of license.section626.292. Transfer of license from another state.section626.301. Form and contents of licenses, in general.section626.311. Scope of license.section626.321. Limited licenses and registration.section626.322. License, appointment; certain military installations.section626.331. Number of appointments permitted or required.section626.341. Additional appointments; general lines, life, and health agents.section626.342. Furnishing supplies to unlicensed agent prohibited; civil liability.section626.371. Payment of fees, taxes for appointment period without appointment.section626.381. Renewal, continuation, reinstatement, or termination of appointment.section626.382. Continuation, expiration of license; insurance agencies.section626.0428. Agency personnel powers, duties, and limitations.section626.431. Effect of expiration of license and appointment.section626.441. License or appointment; transferability.section626.451. Appointment of agent or other representative.section626.461. Continuation of appointment of agent or other representative.section626.471. Termination of appointment.section626.511. Reasons for termination; confidential information.section626.536. Reporting of administrative actions.section626.541. Firm, corporate, and business names; officers; associates; notice of changes.section626.551. Notice of change of address, name.section626.561. Reporting and accounting for funds.section626.571. Delinquent agencies; notice of trusteeship.section626.572. Rebating; when allowed.section626.581. Commissions contingent upon adjustment savings; prohibition.section626.591. Penalty for violation of s. 626.581.section626.593. Insurance agent; written contract for compensation.section626.601. Improper conduct; inquiry; fingerprinting.section626.602. Insurance agency and adjusting firm names; disapproval.section626.611. 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.section626.621. 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.section626.631. Procedure for refusal, suspension, or revocation of license.section626.641. Duration of suspension or revocation.section626.651. Effect of suspension, revocation upon associated licenses and appointments and licensees and appointees.section626.661. Surrender of license.section626.681. Administrative fine in lieu of or in addition to suspension, revocation, or refusal of license, appointment, or disapproval.section626.691. Probation.section626.692. Restitution.section626.711. Retaliatory provision, agents.section626.726. Short title.section626.727. Scope of this part.section626.728. This part supplements licensing law.section626.729. “Industrial fire insurance” defined.section626.730. Purpose of license.section626.731. Qualifications for general lines agent’s license.section626.732. Requirement as to knowledge, experience, or instruction.section626.733. Agency firms and corporations; special requirements.section626.734. Corporations, liability of agent.section626.741. Nonresident agents; licensing and restrictions.section626.742. Nonresident agents; service of process.section626.743. Nonresident agents; retaliatory provision.section626.744. Service representatives; application for license.section626.745. Service representatives, managing general agents; managers; activities.section626.748. Agent’s records.section626.749. Place of business in residence.section626.752. Exchange of business.section626.753. Sharing commissions; penalty.section626.754. Rights of agent following termination of appointment.section626.776. Short title.section626.777. Scope of this part.section626.778. This part supplements licensing law.section626.779. “Life agent” defined.section626.780. “Life insurer” defined.section626.781. “Ordinary class insurer” and “ordinary-variable contract class insurer” defined.section626.782. “Industrial class insurer” defined.section626.783. “Ordinary-combination class insurer” defined.section626.784. Purpose of license.section626.785. Qualifications for license.section626.788. United States Department of Veterans Affairs employees disqualified.section626.789. Military service; special provisions.section626.792. Nonresident agents; licensing and restrictions.section626.793. Excess or rejected business.section626.794. Unlawful payment or sharing of commissions.section626.795. Corporations, liability of agent.section626.797. Code of ethics.section626.798. Life agent as beneficiary; prohibition.section626.826. Short title.section626.827. Scope of this part.section626.828. This part supplements licensing law.section626.829. “Health agent” defined.section626.830. Purpose of license.section626.831. Qualifications for license.section626.833. United States Department of Veterans Affairs employees disqualified.section626.834. Military service; special provisions.section626.835. Nonresident agents; licensing and restrictions.section626.836. Nonresident agents; service of process.section626.837. Excess or rejected business.section626.838. Unlawful payment or sharing of commissions.section626.839. Corporations, liability of agent.section626.841. Definitions.section626.842. Credit and character reports.section626.843. Renewal, continuation, reinstatement, termination of title insurance agent’s and title insurance agency’s appointments.section626.844. Grounds for discretionary refusal, suspension, or revocation of license or appointment.section626.845. Cancellation of license.section626.846. Probation.section626.847. Penalty for refusal to testify.section626.851. Short title.section626.852. Scope of this part.section626.853. Part supplements licensing law.section626.854. “Public adjuster” defined; prohibitions.section626.855. “Independent adjuster” defined.section626.856. “Company employee adjuster” defined.section626.859. “Catastrophe” or “emergency” adjuster defined.section626.860. Attorneys at law; exemption.section626.861. Insurer’s officers, insurer’s employees, reciprocal insurer’s representatives; adjustments by.section626.862. Agents; adjustments by.section626.863. Claims referrals to independent adjusters.section626.864. Adjuster license types.section626.865. Public adjuster’s qualifications, bond.section626.866. All-lines adjuster qualifications.section626.869. License, adjusters; continuing education.section626.870. Application for license.section626.871. Reappointment after military service.section626.874. Catastrophe or emergency adjusters.section626.875. Office and records.section626.876. Exclusive employment; public adjusters, all-lines adjusters.section626.877. Adjustments to comply with insurance contract and law.section626.878. Rules; code of ethics.section626.882. Agreement between administrator and insurer; required provisions; maintenance of records.section626.883. Administrator as intermediary; collections held in fiduciary capacity; establishment of account; disbursement; payments on behalf of insurer.section626.884. Maintenance of records by administrator; access; confidentiality.section626.885. Notice; statement of charge or premium for coverage.section626.886. Delivery of insurer’s written communications to policyholders.section626.887. Advertising; approval by insurer.section626.888. Adjustment or settlement of claims; compensation of administrator.section626.891. Grounds for suspension or revocation of certificate of authority.section626.892. Order of suspension or revocation of certificate of authority; notice.section626.893. Period of suspension; obligations during suspension; reinstatement.section626.894. Administrative fine in lieu of suspension or revocation.section626.895. Definition of “service company” or “service agent.”section626.896. Servicing requirements for self-insurers and multiple-employer welfare arrangements.section626.897. Application for authorization to act as service company; bond.section626.898. Requirements for retaining authorization as service company; recertification.section626.899. Withdrawal of authorization as service company.section626.901. Representing or aiding unauthorized insurer prohibited.section626.902. Penalty for representing unauthorized insurer.section626.903. Suits by unauthorized insurers prohibited.section626.904. Unauthorized Insurers Process Law; short title; interpretation.section626.905. Purpose of Unauthorized Insurers Process Law.section626.906. Acts constituting Chief Financial Officer as process agent.section626.907. Service of process; judgment by default.section626.908. Defense of action by unauthorized insurer or person representing or aiding such insurer; damages and attorney fee.section626.909. Jurisdiction of office and department; service of process on Secretary of State.section626.910. Penalty for violation by unauthorized insurers and persons representing or aiding such insurers.section626.911. Attorney’s fee.section626.912. Exemptions from ss. 626.904-626.911.section626.913. Surplus Lines Law; short title; purposes.section626.914. Definitions.section626.915. Surplus lines insurance authorized.section626.916. Eligibility for export.section626.917. Eligibility for export; wet marine and transportation, aviation risks.section626.918. Eligible surplus lines insurers.section626.919. Withdrawal of eligibility; surplus lines insurer.section626.921. Florida Surplus Lines Service Office.section626.922. Evidence of the insurance; changes; penalty.section626.923. Filing copy of policy or certificate.section626.924. Information required on contract.section626.925. Surplus lines insurance valid.section626.926. Liability of insurer as to losses and unearned premiums.section626.927. Licensing of surplus lines agent.section626.929. Origination, acceptance, placement of surplus lines business.section626.930. Records of surplus lines agent.section626.931. Agent affidavit and insurer reporting requirements.section626.932. Surplus lines tax.section626.933. Collection of tax and service fee.section626.934. Accounting for funds; contingent commissions.section626.935. Suspension, revocation, or refusal of surplus lines agent’s license.section626.936. Failure to file reports or pay tax or service fee; administrative penalty.section626.937. Actions against insurer; service of process.section626.938. Report and tax of independently procured coverages.section626.939. Records produced on order.section626.951. Declaration of purpose.section626.973. Fictitious groups.section626.989. Investigation by department or Division of Criminal Investigations; compliance; immunity; confidential information; reports to division; division investigator’s power of arrest.section626.991. Short title.section626.992. Use of licensed viatical settlement providers, viatical settlement brokers, and registered life expectancy providers required.section626.995. Scope of part.section626.2415. Annual report of results of life insurance examinations.section626.2815. Continuing education requirements.section626.2816. Regulation of continuing education for licensees, course providers, instructors, school officials, and monitor groups.section626.2817. Regulation of course providers, instructors, and school officials involved in prelicensure education for insurance agents and other licensees.section626.5715. Parity of regulation of insurance agents and agencies.section626.6115. Grounds for compulsory refusal, suspension, or revocation of insurance agency license.section626.6215. Grounds for discretionary refusal, suspension, or revocation of insurance agency license.section626.6515. Effect of suspension or revocation upon associated agencies.section626.7315. Prohibition against the unlicensed transaction of general lines insurance.section626.7351. Qualifications for customer representative’s license.section626.7352. Customer representative’s office.section626.7353. Appointment of customer representatives.section626.7354. Customer representative’s powers; agent’s or agency’s responsibility.section626.7451. Managing general agents; required contract provisions.section626.7452. Managing general agents; examination authority.section626.7453. Managing general agents; errors and omissions insurance.section626.7454. Managing general agents; duties of insurers.section626.7455. Managing general agent; responsibility of insurer.section626.7491. Business transacted with producer controlled property and casualty insurer.section626.7492. Reinsurance intermediaries.section626.7845. Prohibition against unlicensed transaction of life insurance.section626.7851. Requirement as to knowledge, experience, or instruction.section626.8305. Prohibition against the unlicensed transaction of health insurance.section626.8311. Requirement as to knowledge, experience, or instruction.section626.8373. Overinsurance of health insurance coverage.section626.8411. Application of Florida Insurance Code provisions to title insurance agents or agencies.section626.8412. License and appointments required.section626.8413. Title insurance agents; certain names prohibited.section626.8414. Qualifications for examination.section626.8417. Title insurance agent licensure; exemptions.section626.8418. Application for title insurance agency license.section626.8419. Appointment of title insurance agency.section626.8421. Number of appointments permitted or required.section626.8423. Investigation of applicants for license or renewal or continuation.section626.8427. Number of applications for licensure required; exemption; effect of expiration of license.section626.8433. Filing of reasons for terminating appointments of title insurance agent and title insurance agency; confidential information.section626.8437. Grounds for denial, suspension, revocation, or refusal to renew license or appointment.section626.8443. Duration of suspension or revocation.section626.8447. Effect of suspension or revocation upon other licensees, appointees.section626.8453. Penalty for violation.section626.8457. Administrative fine in lieu of suspension or revocation of license or appointment.section626.8463. Witnesses and evidence.section626.8467. Testimony compelled; immunity from prosecution.section626.8473. Escrow; trust fund.section626.8548. “All-lines adjuster” defined.section626.8561. “Public adjuster apprentice” defined.section626.8582. “Nonresident public adjuster” defined.section626.8584. “Nonresident all-lines adjuster” defined.section626.8621. Adjustments by guaranty association employees.section626.8651. Public adjuster apprentice appointment; qualifications.section626.8685. Portable electronics insurance claims; exemption; licensure restriction.section626.8695. Primary adjuster.section626.8696. Application for adjusting firm license.section626.8697. Grounds for refusal, suspension, or revocation of adjusting firm license.section626.8698. Disciplinary guidelines for public adjusters and public adjuster apprentices.section626.8732. Nonresident public adjuster’s qualifications, bond.section626.8734. Nonresident all-lines adjuster license qualifications.section626.8736. Nonresident independent or public adjusters; service of process.section626.8737. Nonresident adjusters; retaliatory provision.section626.8738. Penalty for violation.section626.8795. Public adjusters; prohibition of conflict of interest.section626.8796. Public adjuster contracts; disclosure statement; fraud statement.section626.8797. Proof of loss; fraud statement.section626.8805. Certificate of authority to act as administrator.section626.8809. Fidelity bond.section626.8814. Disclosure of ownership or affiliation.section626.8817. Responsibilities of insurance company with respect to administration of coverage insured.section626.8825. Pharmacy benefit manager transparency and accountability.section626.8827. Pharmacy benefit manager prohibited practices.section626.8828. Investigations and examinations of pharmacy benefit managers; expenses; penalties.section626.8991. Adoption of rules.section626.9181. Levy upon deposit.section626.9201. Notice of cancellation or nonrenewal.section626.9202. Loss run statements for all lines of insurance.section626.9271. Temporary license; death, disability, absence of surplus lines agent.section626.9272. Licensing of nonresident surplus lines agents.section626.9295. Corporations, liability of agent.section626.9325. Service fee.section626.9361. Failure to file report; administrative penalty.section626.9362. Cooperative reciprocal agreement authorized for collection and allocation of certain nonadmitted insurance taxes.section626.9371. Payment of premiums and claims.section626.9372. Disclosure statement of certain information required; liability claims.section626.9374. Liability of insureds; deductible and coinsurance.section626.9511. Definitions.section626.9521. Unfair methods of competition and unfair or deceptive acts or practices prohibited; penalties.section626.9531. Identification of insurers, agents, and insurance contracts.section626.9541. Unfair methods of competition and unfair or deceptive acts or practices defined.section626.9543. Holocaust victims.section626.9545. Improper charge identification incentive program.section626.9551. Favored agent or insurer; coercion of debtors.section626.9561. Power of department and office.section626.9571. Defined practices; hearings, witnesses, appearances, production of books and service of process.section626.9581. Cease and desist and penalty orders.section626.9591. Appeals from the department or office.section626.9601. Penalty for violation of cease and desist orders.section626.9611. Rules.section626.9621. Provisions of part additional to existing law.section626.9631. Civil liability.section626.9641. Policyholders, bill of rights.section626.9651. Privacy.section626.9701. Rate increases and premium surcharges; consideration of certain noncriminal violations for excessive speed prohibited.section626.9702. Illegal dealings in premiums; excess charges for insurance.section626.9705. Life or disability insurance; illegal dealings.section626.9706. Life insurance; discrimination on basis of sickle-cell trait prohibited.section626.9707. Disability insurance; discrimination on basis of sickle-cell trait prohibited.section626.9741. Use of credit reports and credit scores by insurers.section626.9743. Claim settlement practices relating to motor vehicle insurance.section626.9744. Claim settlement practices relating to property insurance.section626.9885. Financial institutions conducting insurance transactions.section626.9891. Insurer anti-fraud investigative units; reporting requirements; penalties for noncompliance.section626.9892. Anti-Fraud Reward Program; reporting of insurance fraud.section626.9893. Disposition of revenues; criminal or forfeiture proceedings.section626.9894. Gifts and grants.section626.9896. Dedicated insurance fraud prosecutors.section626.9911. Definitions.section626.9912. Viatical settlement provider license required; application for license.section626.9913. Viatical settlement provider license continuance; annual report; fees; deposit.section626.9914. Suspension, revocation, denial, or nonrenewal of viatical settlement provider license; grounds; administrative fine.section626.9915. Effect of suspension or revocation of viatical settlement provider license; duration of suspension; reinstatement.section626.9916. Viatical settlement broker license required.section626.9919. Notice of change of licensee or registrant’s address or name.section626.9921. Filing of forms; required procedures; approval.section626.9922. Examination.section626.9923. Viatical settlement contracts; required disclosures.section626.9924. Viatical settlement contracts; procedures; rescission.section626.9925. Rules.section626.9926. Rate regulation not authorized.section626.9927. Unfair trade practices; cease and desist; injunctions; civil remedy.section626.9928. Acquisitions.section626.9931. Legislative findings; intent.section626.9932. Interstate Insurance Product Regulation Compact.section626.9933. Opt out from long-term care products standards.section626.9934. Effective date of compact standards; opt out procedures; state law exemptions; legislative notice.section626.9935. Applicability of taxes.section626.9936. Access to records.section626.9937. Rules.section626.9938. Severability.section626.9951. Definitions.section626.9952. Registration required; purpose.section626.9953. Qualifications for registration; application required.section626.9954. Disqualification from registration.section626.9955. Registered navigator list.section626.9956. Notice of change of registrant information.section626.9957. Conduct prohibited; denial, revocation, termination, expiration, or suspension of registration.section626.9958. Rulemaking.section626.84195. Confidentiality of information supplied by title insurance agencies and insurers.section626.84201. Nonresident title insurance agents.section626.97075. Life insurance, disability insurance, and long-term care insurance; discrimination against living organ donors prohibited.section626.99175. Life expectancy providers; registration required; denial, suspension, revocation.section626.99181. Viatical settlement broker’s compensation.section626.99245. Conflict of regulation of viaticals.section626.99272. Cease and desist orders and fines.section626.99275. Prohibited practices; penalties.section626.99278. Viatical provider anti-fraud plan.section626.99285. Applicability of insurance code.section626.99287. Contestability of viaticated policies.section626.99289. Void and unenforceable contracts, agreements, arrangements, and transactions.section626.99291. Contestability of life insurance policies.section626.99292. Notice to insureds.section626.99295. Grace period.section626.99296. Transfers of structured settlement payment rights.
Source: FL Statutes (Official Site)URL: https://www.flsenate.gov/Laws/Statutes/2025/Chapter626/AllFetched: 7/8/2026