Court Opinions

State Laws

US Code

US Constitution

Florida Statutes - Insurance

Legal Research Home > Florida Lawyer > Insurance > Florida Statutes - Insurance

• Florida Insurance Code Section 624.01; Short title.
  Chapters 624-632, 634, 635, 636, 641, 642, 648, and 651 constitute the "Florida Insurance ...
• Florida Insurance Code Section 624.02; "Insurance" defined.
  "Insurance" is a contract whereby one undertakes to indemnify another or pay or allow a specified amount or a determinable benefit upon determinable ...
• Florida Insurance Code Section 624.03; "Insurer" defined.
  "Insurer" includes every person engaged as indemnitor, surety, or contractor in the business of entering into contracts of insurance or of ...
• Florida Insurance Code Section 624.031; "Self-insurance" defined.
  For the purposes of ss. 627.551 and 627.651, self-insurance includes any plan, fund, or program which is communicated or the benefits of ...
• Florida Insurance Code Section 624.04; "Person" defined.
  "Person" includes an individual, insurer, company, association, organization, Lloyds, society, reciprocal insurer or interinsurance exchange, partnership, syndicate, business trust, corporation, agent, general agent, broker, service ...
• Florida Insurance Code Section 624.05; "Department," "commission," and "office" defined.
  As used in the Insurance Code: (1) "Department" means the Department of Financial Services. The term does not mean the Financial Services Commission or any ...
• Florida Insurance Code Section 624.06; "Domestic," "foreign," "alien" insurer defined.
  (1) A "domestic" insurer is one formed under the laws of this state. (2) A "foreign" insurer is one formed under the laws of any ...
• Florida Insurance Code Section 624.07; "Domicile" defined.
  Except as provided in s. 631.011, the "domicile" of an insurer means: (1) As to Canadian insurers, Canada and the province under the laws ...
• Florida Insurance Code Section 624.075; "Commercially domiciled insurer" defined.
  Every foreign or alien insurer which is authorized to do business in this state and which, during its 3 preceding fiscal years taken together, or ...
• Florida Insurance Code Section 624.08; "State" defined.
  When used in context signifying a jurisdiction other than the State of Florida, "state" means any state, district, territory, or commonwealth of the United ...
• Florida Insurance Code Section 624.09; "Authorized," "unauthorized" insurer defined.
  (1) An "authorized" insurer is one duly authorized by a subsisting certificate of authority issued by the office to transact insurance in this state. (2) ...
• Florida Insurance Code Section 624.10; Transacting insurance.
  "Transact" with respect to insurance includes any of the following, in addition to other applicable provisions of this code: (1) Solicitation or inducement. (2) Preliminary ...
• Florida Insurance Code Section 624.105; Waiver of customer liability.
  Any regulated company as defined in s. 350.111, any electric utility as defined in s. 366.02(2), any utility as defined in s. ...
• Florida Insurance Code Section 624.11; Compliance required.
  (1) No person shall transact insurance in this state, or relative to a subject of insurance resident, located, or to be performed in this state, ...
• Florida Insurance Code Section 624.12; Application of code as to fraternal benefit societies.
  No provision of this code shall apply with respect to fraternal benefit societies (as identified in chapter 632), except as stated in chapter ...
• Florida Insurance Code Section 624.123; Certain international health insurance policies; exemption from code.
  (1) International health insurance policies and applications may be solicited and sold in this state at any international airport to a resident of a foreign ...
• Florida Insurance Code Section 624.124; Motor vehicle services; exemption from code.
  Any person may, in exchange for fees, dues, charges, or other consideration, provide any of the following services related to the ownership, operation, use, or ...
• Florida Insurance Code Section 624.125; Certain motor vehicle service agreements; exemption from code.
  (1) Any person may, in exchange for fees, charges, or other consideration, solicit, offer, provide, enter into, issue, or deliver a motor vehicle service agreement ...
• Florida Insurance Code Section 624.126; Certain mutual aid associations; exemption from code.
  (1) Any beneficial, relief, or mutual aid society, however organized, established prior to 1935 and formed by a religious organization, which religious organization qualifies as ...
• Florida Insurance Code Section 624.127; Certain political subdivisions offering prepaid ambulance service plans; exemption from code.
  A political subdivision of this state which, on October 1, 1991, was operating an emergency medical services system established by special act and offers a ...
• Florida Insurance Code Section 624.1275; Insurance agents; prohibited exclusion from public bidding and negotiations.
  A licensed insurance agent shall not be prohibited or excluded from competing or negotiating for any insurance product or plan purchased, provided, or endorsed by ...
• Florida Insurance Code Section 624.128; Crime victims exemption.
  Any other provision of the Florida Statutes to the contrary notwithstanding, the deductible or copayment provision of any insurance policy shall not be applicable to ...
• Florida Insurance Code Section 624.129; Certain location and recovery services; exemption from code.
  (1) Any person may, in exchange for fees, dues, charges, or other consideration, not exceeding $300 annually (adjusted for increases in the Consumer Price Index ...
• Florida Insurance Code Section 624.13; Particular provisions prevail.
  Provisions of this code relative to a particular kind of insurance or a particular type of insurer or to a particular matter shall prevail over ...
• Florida Insurance Code Section 624.15; General penalty.
  (1) Each willful violation of this code or rule of the department, office, or commission as to which a greater penalty is not provided by ...
• Florida Insurance Code Section 624.155; Civil remedy.
  (1) Any person may bring a civil action against an insurer when such person is damaged: (a) By a violation of any of the following ...
• Florida Insurance Code Section 624.19; Existing forms and filings.
  Every form of insurance document and every rate or other filing lawfully in use immediately prior to October 1, 1959, may continue to be so ...
• Florida Insurance Code Section 624.21; Prospective operation of amendments to code.
  Each amendment to this code shall be construed to operate prospectively, unless a contrary legislative intent is ...
• Florida Insurance Code Section 624.215; Proposals for legislation which mandates health benefit coverage; review by Legislature.
  (1) LEGISLATIVE INTENT.--The Legislature finds that there is an increasing number of proposals which mandate that certain health benefits be provided by insurers and ...
• Florida Insurance Code Section 624.23; Public records exemption.
  All bank account numbers and debit, charge, and credit card numbers, and all other personal financial and health information of a consumer held by the ...
• Florida Insurance Code Section 624.302; Offices.
  The department shall establish and maintain offices at the State Capitol in Tallahassee, and in such other places throughout the state as it designates. The ...
• Florida Insurance Code Section 624.303; Seal; certified copies as evidence.
  (1) The department, commission, and office shall each have an official seal by which its respective proceedings are authenticated. (2) All certificates executed by the ...
• Florida Insurance Code Section 624.307; General powers; duties.
  (1) The department and office shall enforce the provisions of this code and shall execute the duties imposed upon them by this code, within the ...
• Florida Insurance Code Section 624.308; Rules.
  (1) The department and the commission may each adopt rules pursuant to ss. 120.536(1) and 120.54 to implement provisions of law conferring ...
• Florida Insurance Code Section 624.310; Enforcement; cease and desist orders; removal of certain persons; fines.
  (1) DEFINITIONS.--For the purposes of this section, the term: (a) "Affiliated party" means any person who directs or participates in the conduct of the ...
• Florida Insurance Code Section 624.3102; Immunity from civil liability for providing department, commission, or office with information about condition of insurer.
  A person, other than a person filing a required report or other required information, who provides the department, commission, or office with information about the ...
• Florida Insurance Code Section 624.311; Records; reproductions; destruction.
  (1) Except as provided in this section, the department, commission, and office shall each preserve in permanent form records of its proceedings, hearings, investigations, and ...
• Florida Insurance Code Section 624.312; Reproductions and certified copies of records as evidence.
  (1) Photographs or microphotographs in the form of film or prints, or other reproductions from an electronic recordkeeping system, of documents and records made under ...
• Florida Insurance Code Section 624.313; Publications.
  (1) As early as reasonably possible, the office shall annually have printed and made available a statistical report which must include all of the following ...
• Florida Insurance Code Section 624.314; Publications; Insurance Regulatory Trust Fund.
  The department and office shall each deposit all moneys received from the sale of publications under s. 624.313 in the Insurance Regulatory Trust Fund ...
• Florida Insurance Code Section 624.315; Department; annual report.
  (1) As early as reasonably possible, the office, with such assistance from the department as requested, shall annually prepare a report to the Speaker and ...
• Florida Insurance Code Section 624.316; Examination of insurers.
  (1)(a) The office shall examine the affairs, transactions, accounts, records, and assets of each authorized insurer and of the attorney in fact of a ...
• Florida Insurance Code Section 624.3161; Market conduct examinations.
  (1) As often as it deems necessary, the office shall examine each licensed rating organization, each advisory organization, each group, association, carrier, as defined in ...
• Florida Insurance Code Section 624.317; Investigation of agents, adjusters, administrators, service companies, and others.
  If it has reason to believe that any person has violated or is violating any provision of this code, or upon the written complaint signed ...
• Florida Insurance Code Section 624.318; Conduct of examination or investigation; access to records; correction of accounts; appraisals.
  (1) The examination or investigation may be conducted by the accredited examiners or investigators of the department or office at the offices wherever located of ...
• Florida Insurance Code Section 624.319; Examination and investigation reports.
  (1) The department or office or its examiner shall make a full and true written report of each examination. The examination report shall contain only ...
• Florida Insurance Code Section 624.320; Examination expenses.
  (1) Each insurer so examined shall pay to the office the expenses of the examination at the rates adopted by the office. Such expenses shall ...
• Florida Insurance Code Section 624.321; Witnesses and evidence.
  (1) As to any examination, investigation, or hearing being conducted under this code, a person designated by the department or office, respectively: (a) May administer ...
• Florida Insurance Code Section 624.322; Testimony compelled; immunity from prosecution.
  (1) If any natural person asks to be excused from attending or testifying or from producing any books, papers, records, contracts, documents, or other evidence ...
• Florida Insurance Code Section 624.324; Hearings.
  The department, commission, and office may each hold hearings for any purpose within the scope of this code deemed to be ...
• Florida Insurance Code Section 624.33; Jurisdiction regarding health or life coverage.
  (1) Notwithstanding any other provision of law, and except as provided in this section, any person or other entity which in this state provides life ...
• Florida Insurance Code Section 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 organizers, incorporators, subscribers, officers, stockholders, directors, or any other persons involved, directly or indirectly, in ...
• Florida Insurance Code Section 624.401; Certificate of authority required.
  (1) No person shall act as an insurer, and no insurer or its agents, attorneys, subscribers, or representatives shall directly or indirectly transact insurance, in ...
• Florida Insurance Code Section 624.402; Exceptions, certificate of authority required.
  A certificate of authority shall not be required of an insurer with respect to: (1) Investigation, settlement, or litigation of claims under its policies lawfully ...
• Florida Insurance Code Section 624.4031; Church benefit plans and church benefit board.
  (1) For purposes of this section, "church benefits board" means an organization as described in s. 414(e)(3)(A) of the Internal Revenue Code ...
• Florida Insurance Code Section 624.404; General eligibility of insurers for certificate of authority.
  To qualify for and hold authority to transact insurance in this state, an insurer must be otherwise in compliance with this code and with its ...
• Florida Insurance Code Section 624.406; Combinations of insuring powers, one insurer.
  An insurer which otherwise qualifies therefor may be authorized to transact any one kind or combination of kinds of insurance as defined in part V ...
• Florida Insurance Code Section 624.407; Capital funds required; new insurers.
  (1) To receive authority to transact any one kind or combinations of kinds of insurance, as defined in part V of this chapter, an insurer ...
• Florida Insurance Code Section 624.4072; Minority-owned property and casualty insurers; limited exemption for taxation and assessments.
  (1) A minority business that is at least 51 percent owned by minority persons, as defined in s. 288.703(3), initially issued a certificate ...
• Florida Insurance Code Section 624.4073; Officers and directors of insolvent insurers.
  Any person who was an officer or director of an insurer doing business in this state and who served in that capacity within the 2-...
• Florida Insurance Code Section 624.408; Surplus as to policyholders required; new and existing insurers.
  (1)(a) To maintain a certificate of authority to transact any one kind or combinations of kinds of insurance, as defined in part V of ...
• Florida Insurance Code Section 624.4085; Risk-based capital requirements for insurers.
  (1) As used in this section, the term: (a) "Adjusted risk-based capital report" means a risk-based capital report that has been adjusted by ...
• Florida Insurance Code Section 624.40851; Confidentiality of risk-based capital information.
  (1) The initial risk-based capital report and any adjusted risk-based capital report; any risk-based capital plan and any revised risk-based capital ...
• Florida Insurance Code Section 624.4094; Bail bond premiums.
  (1) The Legislature finds that a significant portion of bail bond premiums is retained by the licensed bail bond agents or licensed managing general agents. ...
• Florida Insurance Code Section 624.4095; Premiums written; restrictions.
  (1) Whenever an insurer's ratio of actual or projected annual written premiums as adjusted in accordance with subsection (4) to current or projected surplus ...
• Florida Insurance Code Section 624.410; Permissible insuring combinations without additional capital funds.
  A property insurer may include such amount and kind of insurance against legal liability for injury, damage, or loss to the person or property of ...
• Florida Insurance Code Section 624.411; Deposit requirement; domestic insurers and foreign insurers.
  (1) As to domestic insurers, the office shall not issue or permit to exist a certificate of authority unless such insurer has deposited and maintains ...
• Florida Insurance Code Section 624.412; Deposit of alien insurers.
  (1) An alien insurer shall not have authority to transact insurance in this state unless it has and maintains within the United States as trust ...
• Florida Insurance Code Section 624.413; Application for certificate of authority.
  (1) To apply for a certificate of authority, an insurer shall file its application therefor with the office, upon a form adopted by the commission ...
• Florida Insurance Code Section 624.4135; Redomestication.
  The commission shall adopt rules establishing procedures and forms for a foreign insurer to apply for a certificate of authority as a domestic ...
• Florida Insurance Code Section 624.414; Issuance or refusal of authority.
  The fee for filing application for a certificate of authority shall not be subject to refund. The office shall issue to the applicant insurer a ...
• Florida Insurance Code Section 624.415; Ownership of certificate of authority; return.
  Although issued to the insurer, the certificate of authority is at all times the property of this state. Upon any expiration, suspension, or termination thereof, ...
• Florida Insurance Code Section 624.416; Continuance, expiration, reinstatement, and amendment of certificate of authority.
  (1) A certificate of authority issued under this code shall continue in force as long as the insurer is entitled thereto under this code and ...
• Florida Insurance Code Section 624.418; Suspension, revocation of certificate of authority for violations and special grounds.
  (1) The office shall suspend or revoke an insurer's certificate of authority if it finds that the insurer: (a) Is in unsound financial condition. (...
• Florida Insurance Code Section 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 shall be by the order of the office. The office shall promptly also give ...
• Florida Insurance Code Section 624.421; Duration of suspension; insurer's obligations during suspension period; reinstatement.
  (1) Suspension of an insurer's certificate of authority shall be for: (a) A fixed period of time not to exceed 2 years; or (b) ...
• Florida Insurance Code Section 624.4211; Administrative fine in lieu of suspension or revocation.
  (1) If the office finds that one or more grounds exist for the discretionary revocation or suspension of a certificate of authority issued under this ...
• Florida Insurance Code Section 624.422; Service of process; appointment of Chief Financial Officer as process agent.
  (1) Each licensed insurer, whether domestic, foreign, or alien, shall be deemed to have appointed the Chief Financial Officer and her or his successors in ...
• Florida Insurance Code Section 624.423; Serving process.
  (1) Service of process upon the Chief Financial Officer as process agent of the insurer (under s. 624.422) shall be made by serving copies ...
• Florida Insurance Code Section 624.424; Annual statement and other information.
  (1)(a) Each authorized insurer shall file with the office full and true statements of its financial condition, transactions, and affairs. An annual statement covering ...
• Florida Insurance Code Section 624.4241; NAIC filing requirements.
  (1) Each domestic, foreign, and alien insurer who is authorized to transact insurance in this state shall file one extra copy of its annual statement ...
• Florida Insurance Code Section 624.4243; Reporting of premium growth.
  (1) Each insurer that has been authorized to transact property and casualty insurance in this state for a continuous period of less than 3 years ...
• Florida Insurance Code Section 624.4245; Change in controlling interest of foreign or alien insurer; report required.
  In the event of a change in the controlling capital stock or a change of 50 percent or more of the assets of a foreign ...
• Florida Insurance Code Section 624.425; Agent countersignature required, property, casualty, surety insurance.
  (1) Except as stated in s. 624.426, no authorized property, casualty, or surety insurer shall assume direct liability as to a subject of insurance ...
• Florida Insurance Code Section 624.426; Exceptions to countersignature law.
  Section 624.425 does not apply to: (1) Contracts of reinsurance. (2) Policies of insurance on the rolling stock of railroad companies doing a general ...
• Florida Insurance Code Section 624.428; Licensed agent law, life and health insurances.
  (1) No insurer shall deliver or issue for delivery in this state any policy of life insurance, master group life insurance contract, master credit life ...
• Florida Insurance Code Section 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, withdraw from this state, or discontinue the writing of any one or multiple kinds or ...
• Florida Insurance Code Section 624.4315; Workers' compensation insurers; notice of significant underwriting change.
  Each workers' compensation insurer shall notify the office in writing or by electronic means of a significant underwriting change that materially limits or restricts the ...
• Florida Insurance Code Section 624.436; Florida Nonprofit Multiple-Employer Welfare Arrangement Act.
  Sections 624.436-624.446 may be cited as the "Florida Nonprofit Multiple-Employer Welfare Arrangement ...
• Florida Insurance Code Section 624.4361; Definitions.
  As used in ss. 624.436-624.446: (1) "Arrangement" means a multiple-employer welfare arrangement. (2) "Fund balance" means total statutory assets in excess ...
• Florida Insurance Code Section 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 welfare arrangement" means an employee welfare benefit plan or any other ...
• Florida Insurance Code Section 624.438; General eligibility.
  (1) To meet the requirements for issuance of a certificate of authority and to maintain a multiple-employer welfare arrangement, an arrangement: (a) Must be ...
• Florida Insurance Code Section 624.4385; Certain words prohibited in name of organization.
  No entity holding a certificate as a multiple-employer welfare arrangement other than a licensed insurer may use in its name, contracts, or literature the ...
• Florida Insurance Code Section 624.439; Filing of application.
  The sponsoring association shall file with the office an application for a certificate of authority upon a form to be adopted by the commission and ...
• Florida Insurance Code Section 624.4392; Fund balance.
  (1) Each multiple-employer welfare arrangement licensed on or after October 1, 1991, shall have a fund balance equal to $200,000 before a certificate ...
• Florida Insurance Code Section 624.44; Examination by the office.
  (1)(a) The office shall examine the affairs, transactions, accounts, business records, and assets of any multiple-employer welfare arrangement as often as it deems ...
• Florida Insurance Code Section 624.441; Insolvency protection.
  (1) To assure the faithful performance of its obligations to its member employers and covered employees and their dependents, every arrangement shall deposit with the ...
• Florida Insurance Code Section 624.4411; Administrative, provider, and management contracts.
  (1) The office may require a multiple-employer welfare arrangement to submit any contract for administrative services, contract with a provider other than an individual ...
• Florida Insurance Code Section 624.4412; Policy forms.
  (1) No policy or contract form, application form, certificate, rider, endorsement, summary plan description, or other evidence of coverage shall be issued by an arrangement ...
• Florida Insurance Code Section 624.4414; Employer participants' liability.
  (1) The liability of each employer participant for the obligations of the multiple-employer welfare arrangement shall be individual, several, and proportionate, but not joint, ...
• Florida Insurance Code Section 624.4415; Assessments.
  (1) All multiple-employer welfare arrangements shall provide that employers are assessable in accordance with this section. (2) Each multiple-employer welfare arrangement may assess ...
• Florida Insurance Code Section 624.4416; Assessments by receiver.
  (1) In the event of delinquency proceedings against a multiple-employer welfare arrangement, the department as receiver may assess employer participants. Any person or entity ...
• Florida Insurance Code Section 624.4417; Certain sales prohibited.
  (1) A multiple-employer welfare arrangement may not offer, advertise, or sell insurance coverage to the general public. (2) As used in this section, a ...
• Florida Insurance Code Section 624.442; Annual reports; actuarial certification; quarterly reports; penalties.
  (1) Every arrangement shall, annually within 3 months after the end of the fiscal year or within such extension of time therefor as the office ...
• Florida Insurance Code Section 624.443; Place of business; maintenance of records.
  Each arrangement shall have and maintain its principal place of business in this state and shall therein make available to the office complete records of ...
• Florida Insurance Code Section 624.4431; Administration; rules.
  The administration of ss. 624.436-624.446 is vested in the commission and office. The commission may adopt rules pursuant to ss. 120.536(...
• Florida Insurance Code Section 624.4432; Assets, liabilities, and investments.
  Each arrangement that obtains or maintains a certificate of authority is subject to parts I and II of chapter 625 as they apply to domestic ...
• Florida Insurance Code Section 624.444; Suspension, revocation of approval.
  (1) The office shall deny, suspend, or revoke an arrangement's certificate of authority if it finds that the arrangement: (a) Is insolvent; (b) Is ...
• Florida Insurance Code Section 624.445; Order, notice, duration, effect of suspension or revocation; administrative fine.
  (1) Suspension or revocation of an arrangement's certificate of authority shall be in accordance with ss. 624.420 and 624.421. (2) If the ...
• Florida Insurance Code Section 624.446; Rehabilitation, dissolution.
  Any rehabilitation, liquidation, conservation, or dissolution of a multiple-employer welfare arrangement shall be conducted under the supervision of the department, which shall have all ...
• Florida Insurance Code Section 624.447; Certificate of insurance for contractors.
  Any insurer shall, upon request, verify a certificate of insurance on any contractor, as defined in s. 768....
• Florida Insurance Code Section 624.448; Assets of insurers; reporting requirements.
  (1) As used in this section, the term: (a) "Material acquisition of assets" or "material disposition of assets" means one or more transactions occurring during ...
• Florida Insurance Code Section 624.45; Participation of financial institutions in reinsurance and in insurance exchanges.
  Subject to applicable laws relating to financial institutions and to any other applicable provision of the Florida Insurance Code, any financial institution or aggregation of ...
• Florida Insurance Code Section 624.460; Short title.
  Sections 624.460-624.488 may be cited as the "Commercial Self-Insurance Fund ...
• Florida Insurance Code Section 624.461; Definition.
  For the purposes of the Florida Insurance Code, "self-insurance fund" means both commercial self-insurance funds organized under s. 624.462 and group self-...
• Florida Insurance Code Section 624.462; Commercial self-insurance funds.
  (1) Any group of persons may form a commercial self-insurance fund for the purpose of pooling and spreading liabilities of its group members in ...
• Florida Insurance Code Section 624.4621; Group self-insurance funds.
  (1) The commission shall adopt rules that allow two or more employers to enter into agreements to pool their liabilities under chapter 440 for the ...
• Florida Insurance Code Section 624.4622; Local government self-insurance funds.
  (1) Any two or more local governmental entities may enter into interlocal agreements for the purpose of securing the payment of benefits under chapter 440, ...
• Florida Insurance Code Section 624.46225; Self-insured public utilities.
  A self-insured public utility, as authorized by s. 440.38(1)(c), may assume by contract the liabilities under this chapter of contractors and ...
• Florida Insurance Code Section 624.4623; Independent Educational Institution Self-Insurance Funds.
  (1) Notwithstanding any other provision of law, any two or more independent nonprofit colleges or universities accredited by the Commission on Colleges of the Southern ...
• Florida Insurance Code Section 624.464; Certificate of authority required; penalties.
  (1) No person shall establish a commercial self-insurance fund unless such fund is issued a certificate of authority by the office pursuant to s. ...
• Florida Insurance Code Section 624.466; Application requirements for certificate of authority.
  All applications for a certificate of authority for a commercial self-insurance fund shall be on a form adopted by the commission and furnished by ...
• Florida Insurance Code Section 624.468; Continuing requirements for certificate of authority.
  After issuance of its initial certificate of authority a commercial self-insurance fund shall thereafter meet the following requirements as a condition of maintaining its ...
• Florida Insurance Code Section 624.470; Annual reports.
  (1)(a) Every self-insurance fund shall, annually within 3 months of the end of the fiscal year, file a financial statement of the fund, ...
• Florida Insurance Code Section 624.472; Member's liability.
  (1) The liability of each member other than a governmental entity for the obligations of the commercial self-insurance fund unrelated to governmental entities shall ...
• Florida Insurance Code Section 624.473; Dividends.
  A commercial self-insurance fund shall obtain the approval of the office prior to paying any dividend or refund to its members. No such dividend ...
• Florida Insurance Code Section 624.474; Assessments.
  (1) The trustees of a self-insurance fund operating as a trust, or the corporate directors of a self-insurance fund operating as a corporation, ...
• Florida Insurance Code Section 624.4741; Venue in assessment actions.
  In any action brought by a self-insurance fund to collect assessments levied under this chapter, venue lies where the fund maintains its principal place ...
• Florida Insurance Code Section 624.475; Tax on premiums, contributions, and assessments.
  Premiums, contributions, and assessments received by a commercial self-insurance fund are subject to ss. 624.509(1) and (2) and 624.5092, except that ...
• Florida Insurance Code Section 624.476; Impaired self-insurance funds.
  (1) If the assets of a self-insurance fund are at any time insufficient to comply with the requirements of law or to discharge its ...
• Florida Insurance Code Section 624.477; Liquidation, rehabilitation, reorganization, and conservation.
  Any rehabilitation, liquidation, conservation, or dissolution of a self-insurance fund shall be conducted under the supervision of the office and department, which shall each ...
• Florida Insurance Code Section 624.480; Filing, approval, and disapproval of forms.
  (1) A basic insurance policy or application form for which written application is required and is to be a part of the policy or contract ...
• Florida Insurance Code Section 624.482; Making and use of rates.
  (1) With respect to all classes of insurance which a self-insurance fund underwrites, the rates must not be excessive, inadequate, or unfairly discriminatory. In ...
• Florida Insurance Code Section 624.483; Self-insurer members; payment of delinquent premiums and assessments.
  Upon petition of the trustees of the following self-insurers groups: Printing Industry Associates, Allied Gasoline Retailers Association, Florida Plumbing and Mechanical Contractors, Florida State ...
• Florida Insurance Code Section 624.484; Registration of agent.
  A self-insurance fund shall register with and designate the Chief Financial Officer as its agent solely for the purpose of receiving service of legal ...
• Florida Insurance Code Section 624.486; Examination.
  Self-insurance funds licensed under ss. 624.460-624.488 are subject to periodic examination by the office in the same manner and subject to ...
• Florida Insurance Code Section 624.487; Enforcement of specified insurance provisions; adoption of rules.
  The office may enforce, with respect to group self-insurance funds established or operated under s. 624.4621, the provisions of s. 624.316, s. ...
• Florida Insurance Code Section 624.488; Applicability of related laws.
  In addition to other provisions of the code cited in ss. 624.460-624.488: (1) Sections 624.155, 624.308, 624.414, 624.415, ...
• Florida Insurance Code Section 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 the laws of this state is not personally liable for monetary damages to any ...
• Florida Insurance Code Section 624.501; Filing, license, appointment, and miscellaneous fees.
  The department, commission, or office, as appropriate, shall collect in advance, and persons so served shall pay to it in advance, fees, licenses, and miscellaneous ...
• Florida Insurance Code Section 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 from the applicant or licensee fees and taxes as provided in s. 624.501. (2) ...
• Florida Insurance Code Section 624.502; Service of process fee.
  In all instances as provided in any section of the insurance code and s. 48.151(3) in which service of process is authorized to ...
• Florida Insurance Code Section 624.504; Liability for state, county tax.
  Each authorized insurer that uses insurance agents in this state shall be liable for and shall pay the state and county taxes required therefor under ...
• Florida Insurance Code Section 624.505; County tax; determination; additional offices; nonresident agents.
  (1) The county tax provided for under s. 624.501 as to an agent shall be paid by each insurer for each agent only for ...
• Florida Insurance Code Section 624.506; County tax; deposit and remittance.
  (1) The department shall deposit in the Agents County Tax Trust Fund all moneys accepted as county tax under this part. She or he shall ...
• Florida Insurance Code Section 624.507; Municipal tax.
  Municipal corporations may require a tax of insurance agents not to exceed 50 percent of the state tax specified as to such agents under this ...
• Florida Insurance Code Section 624.508; Insurer's license tax; when payable.
  (1) The insurer's license tax provided for in s. 624.501(3) shall be paid, by an insurer newly applying for a certificate of ...
• Florida Insurance Code Section 624.509; Premium tax; rate and computation.
  (1) In addition to the license taxes provided for in this chapter, each insurer shall also annually, and on or before March 1 in each ...
• Florida Insurance Code Section 624.5091; Retaliatory provision, insurers.
  (1)(a) When by or pursuant to the laws of any other state or foreign country any taxes, licenses, and other fees, in the aggregate, ...
• Florida Insurance Code Section 624.5092; Administration of taxes; payments.
  (1) The Department of Revenue shall administer, audit, and enforce the assessment and collection of those taxes to which this section is applicable. The office ...
• Florida Insurance Code Section 624.50921; Adjustments.
  (1) If a taxpayer is required to amend its corporate income tax liability under chapter 220, or the taxpayer receives a refund of its workers' ...
• Florida Insurance Code Section 624.5094; Casualty insurance premiums.
  Notwithstanding any statutory provision to the contrary, for the purposes of calculating the annual assessments for the Special Disability Trust Fund under s. 440.49 ...
• Florida Insurance Code Section 624.510; Tax on wet marine and transportation insurance.
  (1) On or before March 1 of each year each insurer shall file with the Department of Revenue a report of its gross underwriting profit ...
• Florida Insurance Code Section 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 be allowed a credit of 50 percent of a community contribution against any tax due ...
• Florida Insurance Code Section 624.5107; Child care tax credits; definitions; authorization; limitations; eligibility and application requirements; administration; expiration.
  (1) DEFINITIONS.--As used in this section: (a) "Child care facility startup costs" means expenditures for substantial renovation, equipment, including playground equipment and kitchen appliances ...
• Florida Insurance Code Section 624.511; Tax statement; overpayments.
  (1) Tax returns as to taxes mentioned in ss. 624.509 and 624.510 shall be made by insurers on forms to be prescribed by ...
• Florida Insurance Code Section 624.515; State Fire Marshal regulatory assessment and surcharge; levy and amount.
  (1)(a) In addition to any other license or excise tax now or hereafter imposed, and such taxes as may be imposed under other statutes, ...
• Florida Insurance Code Section 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 surcharge imposed under s. 624.515(2) shall be deposited by the Department ...
• Florida Insurance Code Section 624.517; State Fire Marshal regulatory assessment; reduction of assessment.
  (1) The office shall ascertain on or before December 1 of each year whether the amounts estimated to be received from the regulatory assessment imposed ...
• Florida Insurance Code Section 624.518; State Fire Marshal regulatory assessment and surcharge; tax return, overpayment.
  (1) Tax returns with respect to the regulatory assessment and surcharge prescribed by s. 624.515 shall be made by each insurer liable for payment ...
• Florida Insurance Code Section 624.519; Nonpayment of premium tax or fire marshal assessment; penalty.
  If any insurer fails to pay to the Department of Revenue on or before March 1 in each and every year any premium taxes required ...
• Florida Insurance Code Section 624.520; Preemption by state.
  (1) This state hereby preempts the field of imposing excise, privilege, franchise, income, license, permit, registration, and similar taxes and fees, measured by premiums, income, ...
• Florida Insurance Code Section 624.521; Deposit of certain tax receipts; refund of improper payments.
  (1) The Department of Financial Services shall promptly deposit in the State Treasury to the credit of the Insurance Regulatory Trust Fund all "state tax" ...
• Florida Insurance Code Section 624.523; Insurance Regulatory Trust Fund.
  (1) There is created in the State Treasury a trust fund designated "Insurance Regulatory Trust Fund" to which shall be credited all payments received on ...
• Florida Insurance Code Section 624.601; Definitions not mutually exclusive.
  It is intended that certain insurance coverages may come within the definitions of two or more kinds of insurance as defined in this part of ...
• Florida Insurance Code Section 624.6011; "Kinds of insurance" defined.
  Insurance shall be classified into the following "kinds of insurance": (1) Life. (2) Health. (3) Property. (4) Casualty. (5) Surety. (6) Marine. (7) ...
• Florida Insurance Code Section 624.6012; "Lines of insurance" defined.
  Kinds of insurance shall be classified into "lines of insurance." The commission shall adopt by rule the lines of insurance to be utilized. Such lines ...
• Florida Insurance Code Section 624.602; "Life insurance," "life insurer" defined.
  (1) "Life insurance" is insurance of human lives. The transaction of life insurance includes also the granting of annuity contracts, including, but not limited to, ...
• Florida Insurance Code Section 624.603; "Health insurance" defined.
  "Health insurance," also known as "disability insurance," is insurance of human beings against bodily injury, disablement, or death by accident or accidental means, or the ...
• Florida Insurance Code Section 624.604; "Property insurance" defined.
  "Property insurance" is insurance on real or personal property of every kind and of every interest therein, whether on land, water, or in the air, ...
• Florida Insurance Code Section 624.605; "Casualty insurance" defined.
  (1) "Casualty insurance" includes: (a) Vehicle insurance.--Insurance against loss of or damage to any land vehicle or aircraft or any draft or riding animal, ...
• Florida Insurance Code Section 624.606; "Surety insurance" defined.
  (1) "Surety insurance" includes: (a) A contract bond, including a bid, payment, or maintenance bond, or a performance bond, which guarantees the execution of a ...
• Florida Insurance Code Section 624.6065; "Fidelity insurance" defined.
  For the purposes of part XX of chapter 627, the term "fidelity insurance" means: (1) Insurance guaranteeing the fidelity of persons holding positions of public ...
• Florida Insurance Code Section 624.607; "Marine insurance," "wet marine and transportation insurance," and "inland marine insurance" defined.
  (1) "Marine insurance" includes: (a) Insurance against any kinds of loss or damage to: 1. Vessels, craft, aircraft, cars, automobiles, and vehicles of every kind, ...
• Florida Insurance Code Section 624.608; "Title insurance" defined.
  "Title insurance" is: (1) Insurance of owners of real property or others having an interest in real property or contractual interest derived therefrom, or liens ...
• Florida Insurance Code Section 624.6081; "Residual value insurance" defined.
  For the purposes of part XX of chapter 627, the term "residual value insurance" means insurance issued in connection with a lease or contract which ...
• Florida Insurance Code Section 624.6085; "Collateral protection insurance" defined.
  For purposes of ss. 215.555, 627.311, and 627.351, "collateral protection insurance" means commercial property insurance under which a creditor is the primary ...
• Florida Insurance Code Section 624.609; Limit of risk.
  (1) No insurer shall retain any risk on any one subject of insurance, either as the direct insurer or the reinsurer, whether located or to ...
• Florida Insurance Code Section 624.610; Reinsurance.
  (1) The purpose of this section is to protect the interests of insureds, claimants, ceding insurers, assuming insurers, and the public. It is the intent ...
• Florida Insurance Code Section 624.80; Definitions.
  As used in this part: (1) "Insurer" means and includes every person as defined in s. 624.03 as limited to: (a) Any domestic or ...
• Florida Insurance Code Section 624.81; Notice to comply with written requirements of office; noncompliance.
  (1) If the office determines that the conditions set forth in subsection (2) exist, the office shall issue an order placing the insurer in administrative ...
• Florida Insurance Code Section 624.82; Confidentiality of certain proceedings and records.
  (1) Orders, notices, correspondence, reports, records, and other information in the possession of the office relating to the supervision of any insurer are confidential and ...
• Florida Insurance Code Section 624.83; Prohibited acts during period of supervision.
  The office may provide that the insurer may not conduct the following activities during the period of supervision, without prior approval by the office: (1) ...
• Florida Insurance Code Section 624.84; Review.
  During the period of supervision, the insurer may contest an action taken or proposed to be taken by the supervisor, specifying the manner wherein the ...
• Florida Insurance Code Section 624.85; Administrative election of proceedings.
  If the office determines to act under authority of this part, the sequence of its acts and proceedings shall be as set forth herein. However, ...
• Florida Insurance Code Section 624.86; Other laws; conflicts; meetings between the office and the supervisor.
  During the period of administrative supervision, the office may meet with a supervisor appointed under this part and with the attorney or other representative of ...
• Florida Insurance Code Section 624.87; Administrative supervision; expenses.
  (1) During the period of supervision the office by contract or otherwise may appoint a deputy supervisor to supervise the insurer. (2) Each insurer which ...
• Florida Insurance Code Section 624.91; The Florida Healthy Kids Corporation Act.
  (1) SHORT TITLE.--This section may be cited as the "William G. 'Doc' Myers Healthy Kids Corporation Act." (2) LEGISLATIVE INTENT.-- (a) The Legislature finds ...
• Florida Insurance Code Section 624.915; Florida Healthy Kids Corporation; operating fund.
  The Florida Healthy Kids Corporation may establish and manage an operating fund for the purposes of addressing the corporation's unique cash-flow needs and ...
• Florida Insurance Code Section 625.01115; Definitions.
  As used in this chapter, the term "statutory accounting principles" means accounting principles as defined in the National Association of Insurance Commissioners Accounting Practices and ...
• Florida Insurance Code Section 625.012; "Assets" defined.
  In any determination of the financial condition of an insurer, there shall be allowed as "assets" only such assets as are owned by the insurer ...
• Florida Insurance Code Section 625.031; Assets not allowed.
  In addition to assets impliedly excluded by the provisions of s. 625.012, the following expressly shall not be allowed as assets in any determination ...
• Florida Insurance Code Section 625.041; Liabilities, in general.
  In any determination of the financial condition of an insurer, liabilities to be charged against its assets shall include: (1) The amount, estimated consistent with ...
• Florida Insurance Code Section 625.051; Unearned premium reserve.
  (1) As to insurance against loss or damage to property, except as provided in s. 625.061, and as to all general casualty insurance and ...
• Florida Insurance Code Section 625.061; Unearned premium reserve for marine and transportation insurance.
  As to marine and transportation insurance, the entire amount of premiums on trip risks not terminated shall be deemed unearned; and the office may require ...
• Florida Insurance Code Section 625.071; Special reserve for bail and judicial bonds.
  In lieu of the unearned premium reserve required on surety bonds under s. 625.051, the office may require any surety insurer or limited surety ...
• Florida Insurance Code Section 625.081; Reserve for health insurance.
  For all health insurance policies, the insurer shall maintain an active life reserve which places a sound value on the insurer's liabilities under such ...
• Florida Insurance Code Section 625.091; Losses and loss adjustment expense reserves; liability insurance and workers' compensation insurance.
  The reserve liabilities recorded in the insurer's annual statement and financial statements for unpaid losses and loss adjustment expenses shall be the estimated value ...
• Florida Insurance Code Section 625.101; Increase of inadequate loss reserves.
  If loss experience shows that an insurer's loss reserves, however computed or estimated, are inadequate, the office shall require the insurer to maintain loss ...
• Florida Insurance Code Section 625.111; Title insurance reserve.
  In addition to an adequate reserve as to outstanding losses relating to known claims, as required under s. 625.041, a title insurer shall establish, ...
• Florida Insurance Code Section 625.121; Standard Valuation Law; life insurance.
  (1) SHORT TITLE.--This section shall be known as the "Standard Valuation Law." (2) ANNUAL VALUATION.--The office shall annually value, or cause to be ...
• Florida Insurance Code Section 625.141; Valuation of bonds.
  (1) All bonds or other evidences of debt having a fixed term and rate of interest held by an insurer may, if amply secured and ...
• Florida Insurance Code Section 625.151; Valuation of other securities.
  (1) Securities, other than those referred to in s. 625.141, held by an insurer shall be valued, in the discretion of the office, at ...
• Florida Insurance Code Section 625.161; Valuation of property.
  (1) Real property owned by an insurer which is reported in financial statements filed with the office shall be valued at the lower of depreciated ...
• Florida Insurance Code Section 625.171; Valuation of purchase money mortgages.
  Purchase money mortgages on real property referred to in s. 625.161(2) shall be valued in an amount not exceeding the acquisition cost to ...
• Florida Insurance Code Section 625.172; Replacing certain assets; reporting certain liabilities.
  (1) The office, upon determining that an insurer's asset has not been evaluated according to applicable law or that it does not qualify as ...
• Florida Insurance Code Section 625.181; Assets received as capital or surplus contributions.
  Assets received by an insurer as a capital or surplus contribution shall, for purposes of this code, be deemed to be purchased by the insurer ...
• Florida Insurance Code Section 625.301; Scope of part.
  Except as to s. 625.340, this part of this chapter shall apply only to domestic insurers and commercially domiciled ...
• Florida Insurance Code Section 625.302; Eligible investments.
  (1) Insurers shall invest in or lend their funds on the security of, and shall hold as invested assets, only eligible investments as prescribed in ...
• Florida Insurance Code Section 625.303; General qualifications.
  (1) No security or investment (other than real property and personal property acquired under s. 625.333) shall be eligible for acquisition unless it is ...
• Florida Insurance Code Section 625.304; Authorization of investment.
  An insurer shall not make any investment or loan, other than a policy loan or annuity contract loan of a life insurer, unless the same ...
• Florida Insurance Code Section 625.305; Diversification.
  (1) Every insurer must maintain an amount equal to its entire reserve, as required under part I of this chapter, and the minimum surplus as ...
• Florida Insurance Code Section 625.306; Cash and deposits.
  An insurer may have funds in coin or currency of the United States on hand or on deposit in any solvent national or state bank, ...
• Florida Insurance Code Section 625.307; United States Government obligations.
  An insurer may invest in bonds, notes, warrants, and other evidences of indebtedness which are direct obligations of the Government of the United States or ...
• Florida Insurance Code Section 625.308; Loans guaranteed by the United States.
  (1) An insurer may invest in loans insured or guaranteed as to principal and interest by the Government of the United States, or by any ...
• Florida Insurance Code Section 625.309; State and Canadian public obligations.
  An insurer may invest in bonds, notes, warrants, and other securities not in default which are the direct obligations of any state of the United ...
• Florida Insurance Code Section 625.310; County, municipal, and district obligations.
  An insurer may invest in bonds, notes, warrants, and other securities not in default of any county, district, incorporated city, or school district in any ...
• Florida Insurance Code Section 625.311; Public improvement bonds.
  An insurer may invest in bonds, notes, certificates of indebtedness, warrants, or other evidences of indebtedness which are payable from revenues or earnings specifically pledged ...
• Florida Insurance Code Section 625.312; Public utility obligations.
  An insurer may invest in the bonds, notes, certificates of indebtedness, warrants, or other evidences of indebtedness which are valid obligations issued, assumed, or guaranteed ...
• Florida Insurance Code Section 625.313; Securities of certain agencies.
  An insurer may invest in bonds, debentures, or other securities of the following agencies, whether or not such obligations are guaranteed by the Government of ...
• Florida Insurance Code Section 625.314; Public housing obligations.
  An insurer may invest in the bonds, debentures, or other securities of public housing authorities, issued under the provisions of the Act of Congress entitled ...
• Florida Insurance Code Section 625.315; Obligations of State Board of Education.
  An insurer may invest in bonds or motor vehicle anticipation certificates issued by the State Board of Education of Florida under authority of s. 18, ...
• Florida Insurance Code Section 625.316; International development banks.
  An insurer may invest in obligations issued, assumed, or guaranteed by the International Bank for Reconstruction and Development, the Inter-American Development Bank, the Asian ...
• Florida Insurance Code Section 625.317; Corporate bonds and debentures.
  An insurer may invest in bonds, notes, or other interest-bearing or interest-accruing obligations of any solvent corporation organized under the laws of the ...
• Florida Insurance Code Section 625.318; Religious institution obligations.
  An insurer may invest in secured obligations of duly constituted churches and of church holding ...
• Florida Insurance Code Section 625.319; Equipment trust certificates.
  An insurer may invest in equipment trust obligations or certificates adequately secured and evidencing an interest in transportation equipment, wholly or in part within the ...
• Florida Insurance Code Section 625.320; Building and loan or savings and loan association accounts.
  An insurer may invest in share or saving accounts of savings and loan associations or building and loan ...
• Florida Insurance Code Section 625.321; Policy loans.
  A life insurer may lend to its policyholder, upon pledge of the policy as collateral security, any sum not exceeding the cash loan value of ...
• Florida Insurance Code Section 625.322; Collateral loans.
  An insurer may invest in loans with a maturity not in excess of 12 years from the date thereof which are secured by the pledge ...
• Florida Insurance Code Section 625.323; Ship loans.
  An insurer may invest in: (1) Bonds, notes, or other evidences of indebtedness which are secured by mortgages on barges, tugboats, ships, or other shipping ...
• Florida Insurance Code Section 625.324; Corporate stocks.
  An insurer may invest in stocks, common or preferred, of any corporation created or existing under the laws of the United States or of any ...
• Florida Insurance Code Section 625.325; Investments in subsidiaries and related corporations.
  (1) AUTHORIZATION.--Any insurer, either by itself or in cooperation with one or more persons, may organize or acquire one or more subsidiaries, subject to ...
• Florida Insurance Code Section 625.3255; Capital participation instrument.
  An insurer may invest in any capital participation instrument or evidence of indebtedness issued by the Florida Black Business Investment Board pursuant to the Florida ...
• Florida Insurance Code Section 625.326; Foreign investments.
  An insurer authorized to transact insurance in a foreign country may have funds invested in such securities as may be required for such authority and ...
• Florida Insurance Code Section 625.3262; State of Israel obligations.
  An insurer may invest in bonds, notes, warrants, and other evidences of indebtedness which are direct obligations of the State of Israel or for which ...
• Florida Insurance Code Section 625.327; Mortgage loans.
  (1) An insurer may invest any of its funds in bonds, notes, or other evidences of indebtedness which are secured by first mortgages or deeds ...
• Florida Insurance Code Section 625.329; Chattel mortgages.
  (1) In connection with a mortgage loan on the security of real estate designed and used primarily for residential purposes only, which mortgage loan was ...
• Florida Insurance Code Section 625.330; Special investments by title insurer.
  (1) In addition to other investments eligible under this part, a title insurer may invest and have invested an amount not exceeding the greater of $...
• Florida Insurance Code Section 625.331; Special consent investments.
  (1) After satisfying the requirements of this part, any funds of an insurer in excess of its reserves and policyholders' surplus required to be maintained ...
• Florida Insurance Code Section 625.332; Prohibited investments and investment underwriting.
  (1) In addition to investments excluded pursuant to other provisions of this code, an insurer shall not directly or indirectly invest in or lend its ...
• Florida Insurance Code Section 625.333; Real estate, in general.
  An insurer shall not directly or indirectly acquire or hold real estate except as authorized in this section. (1) An insurer may acquire and hold: (...
• Florida Insurance Code Section 625.338; Time limit for disposal of ineligible property and securities; effect of failure to dispose.
  (1) Any property or securities lawfully acquired by an insurer which it could not otherwise have invested in or loaned its funds upon at the ...
• Florida Insurance Code Section 625.340; Investments of foreign or alien insurers.
  The investment portfolio of a foreign or alien insurer shall be as permitted by the laws of its domicile if of a quality substantially as ...
• Florida Insurance Code Section 625.50; Authorized deposits of insurers and agents.
  The following deposits of insurers and agents when made through the department shall be accepted and held and shall be subject to the provisions of ...
• Florida Insurance Code Section 625.51; Purpose of deposit.
  Such deposits shall be held for the following purposes: (1) Deposits made in this state under ss. 624.411 and 624.412 shall be held ...
• Florida Insurance Code Section 625.52; Securities eligible for deposit.
  (1) All deposits by insurers and agents required for authority to transact insurance in this state must be limited to the following types: (a) Cash ...
• Florida Insurance Code Section 625.53; Depository.
  (1) Except as provided in s. 625.55, all deposits made in this state under this code shall be made with the department. The department ...
• Florida Insurance Code Section 625.55; Custodial arrangements.
  (1) In lieu of a deposit being made with it in fact, the department in its discretion may permit or require that the deposit be ...
• Florida Insurance Code Section 625.56; Registration, conveyance of assets or securities.
  (1) The insurer shall duly register in the name of the Chief Financial Officer all securities being deposited with the department under this code which ...
• Florida Insurance Code Section 625.57; Appraisal.
  The office or department may, in its discretion, prior to acceptance for deposit of any particular asset or security, or at any time thereafter while ...
• Florida Insurance Code Section 625.58; Excess and deficit deposits.
  (1) If securities or assets deposited by an insurer under this part are subject to material fluctuations in market value, the office or department may, ...
• Florida Insurance Code Section 625.59; Rights of insurer during solvency.
  So long as the insurer remains solvent and is in compliance with this code, it may: (1) Demand, receive, sue for, and recover the income ...
• Florida Insurance Code Section 625.60; Levy upon deposit.
  No judgment creditor or other claimant of an insurer shall have the right to levy upon any of the assets or securities held in this ...
• Florida Insurance Code Section 625.62; Duration and release of deposit.
  (1)(a) Every certificate of deposit filed and every deposit made in this state by an insurer, prior to or pursuant to this code, made ...
• Florida Insurance Code Section 625.63; Proofs for release of deposit.
  (1) Before authorizing the release of any deposit or excess portion thereof to the insurer, as provided in s. 625.62, the office or department ...
• Florida Insurance Code Section 625.75; Certain persons and directors and officers of domestic stock insurer to file statements.
  Every person who is directly or indirectly the beneficial owner of more than 10 percent of any class of any equity security of a domestic ...
• Florida Insurance Code Section 625.76; Preventing unfair use of information; insurer to recover profit by suit.
  (1) Any profit realized by a person required to report pursuant to s. 625.75 from any purchase and sale, or sale and purchase, within ...
• Florida Insurance Code Section 625.765; Exemptions from ss. 625.75 and 625.76.
  The commission may adopt by rule exemptions from ss. 625.75 and 625.76 for transactions that are not subject to s. 628.461 and ...
• Florida Insurance Code Section 625.77; Unlawful to sell equity security not owned; delayed delivery.
  (1) It is unlawful for any person reporting securities under s. 625.75 to sell, directly or indirectly, any equity security of a company named ...
• Florida Insurance Code Section 625.78; Certain sale and purchase exempted; investment account.
  The provisions of s. 625.76 do not apply to any purchase and sale, or sale and purchase, and the provisions of s. 625.77 ...
• Florida Insurance Code Section 625.79; Certain foreign or domestic arbitrage transactions exempted.
  The provisions of ss. 625.75-625.77 do not apply to foreign or domestic arbitrage transactions unless made in contravention of rules that the ...
• Florida Insurance Code Section 625.80; "Equity security" defined.
  The term "equity security" when used in this part means: (1) Any stock or similar security; (2) Any security convertible, with or without consideration, into ...
• Florida Insurance Code Section 625.81; Equity securities of certain domestic stock insurer exempted.
  The provisions of ss. 625.75-625.77 do not apply to equity securities of a domestic stock insurer if: (1) Such securities are registered, ...
• Florida Insurance Code Section 625.82; Rules.
  The commission may adopt such rules as are necessary for the execution of the functions vested in it by ss. 625.75-625.81 and ...
• Florida Insurance Code Section 625.83; Failure to file reporting forms.
  Any insurer who knowingly fails to file information, documents, or reports required to be filed under s. 625.75 or any rule thereunder shall forfeit ...
• Florida Insurance Code Section 626.011; Short title.
  This part may be referred to as the "Licensing Procedures ...
• Florida Insurance Code Section 626.015; Definitions.
  As used in this part: (1) "Adjuster" means a public adjuster as defined in s. 626.854, independent adjuster as defined in s. 626.855, ...
• Florida Insurance Code Section 626.016; Powers and duties of department, commission, and office.
  (1) The powers and duties of the Chief Financial Officer and the department specified in this part apply only with respect to insurance agents, insurance ...
• Florida Insurance Code Section 626.022; Scope of part.
  (1) This part applies as to insurance agents, service representatives, adjusters, and insurance agencies; as to any and all kinds of insurance; and as to ...
• Florida Insurance Code Section 626.025; Consumer protections.
  To transact insurance, agents shall comply with consumer protection laws, including the following, as applicable: (1) Continuing education requirements for resident and nonresident agents, as ...
• Florida Insurance Code Section 626.0428; Agency personnel powers, duties, and limitations.
  (1) An individual employed by an agent or agency on salary who devotes full time to clerical work, with incidental taking of insurance applications or ...
• Florida Insurance Code Section 626.112; License and appointment required; agents, customer representatives, adjusters, insurance agencies, service representatives, managing general agents.
  (1)(a) No person may be, act as, or advertise or hold himself or herself out to be an insurance agent, insurance adjuster, or customer ...
• Florida Insurance Code Section 626.141; Violation not to affect validity of insurance.
  An insurance contract which is otherwise valid and binding as between the parties thereto shall not be rendered invalid by reason of having been solicited, ...
• Florida Insurance Code Section 626.161; Licensing forms.
  The department shall prescribe and furnish all printed forms required in connection with the application for issuance of and termination of all licenses and ...
• Florida Insurance Code Section 626.171; Application for license as an agent, customer representative, adjuster, service representative, managing general agent, or reinsurance intermediary.
  (1) The department shall not issue a license as agent, customer representative, adjuster, service representative, managing general agent, or reinsurance intermediary to any person except ...
• Florida Insurance Code Section 626.172; Application for insurance agency license.
  (1) The department may issue a license as an insurance agency to any person only after such person files a written application with the department ...
• Florida Insurance Code Section 626.175; Temporary licensing.
  (1) The department may issue a nonrenewable temporary license for a period not to exceed 6 months authorizing appointment of a general lines insurance agent ...
• Florida Insurance Code Section 626.181; Number of applications for licensure required.
  After a license as agent, customer representative, or adjuster has been issued to an individual, the same individual shall not be required to take another ...
• Florida Insurance Code Section 626.191; Repeated applications.
  The failure of an applicant to secure a license upon an application shall not preclude the applicant from applying again as many times as desired, ...
• Florida Insurance Code Section 626.201; Investigation.
  (1) The department or office may propound any reasonable interrogatories in addition to those contained in the application, to any applicant for license or appointment, ...
• Florida Insurance Code Section 626.202; Fingerprinting requirements.
  If there is a change in ownership or control of any entity licensed under this chapter, or if a new partner, officer, or director is ...
• Florida Insurance Code Section 626.207; Department rulemaking authority; waiting periods for applicants; penalties against licensees.
  (1) The department shall adopt rules establishing specific waiting periods for applicants to become eligible for licensure following denial, suspension, or revocation pursuant to s. ...
• Florida Insurance Code Section 626.211; Approval, disapproval of application.
  (1) If upon the basis of a completed application for license and such further inquiry or investigation as the department may make concerning an applicant ...
• Florida Insurance Code Section 626.221; Examination requirement; exemptions.
  (1) The department shall not issue any license as agent, customer representative, or adjuster to any individual who has not qualified for, taken, and passed ...
• Florida Insurance Code Section 626.231; Eligibility; application for examination.
  (1) No person shall be permitted to take an examination for license until his or her application for examination or application for the license has ...
• Florida Insurance Code Section 626.241; Scope of examination.
  (1) Each examination for a license as agent, customer representative, or adjuster shall be of such scope as is deemed by the department to be ...
• Florida Insurance Code Section 626.2415; Annual report of results of life insurance examinations.
  (1) No later than May 1 of each year, the department or a person designated by the department shall prepare, publicly announce, and publish a ...
• Florida Insurance Code Section 626.251; Time and place of examination; notice.
  (1) The department or a person designated by the department shall mail written notice of the time and place of the examination to each applicant ...
• Florida Insurance Code Section 626.261; Conduct of examination.
  (1) The applicant for license or the applicant for examination shall appear in person and personally take the examination for license at the time and ...
• Florida Insurance Code Section 626.266; Printing of examinations or related materials to preserve examination security.
  A contract let for the development, administration, or grading of examinations or related materials by the department pursuant to the various agent, customer representative, or ...
• Florida Insurance Code Section 626.271; Examination fee; determination, refund.
  (1) Prior to being permitted to take an examination, each applicant who is subject to examination shall pay to the department or a person designated ...
• Florida Insurance Code Section 626.281; Reexamination.
  (1) Any applicant for license or applicant for examination who has either: (a) Taken an examination and failed to make a passing grade, or (b) ...
• Florida Insurance Code Section 626.2815; Continuing education required; application; exceptions; requirements; penalties.
  (1) The purpose of this section is to establish requirements and standards for continuing education courses for persons licensed to solicit or sell insurance in ...
• Florida Insurance Code Section 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 groups must be approved by the department before offering continuing education courses pursuant to s. ...
• Florida Insurance Code Section 626.2817; Regulation of course providers, instructors, school officials, and monitor groups involved in prelicensure education for insurance agents and other licensees.
  (1) Any course provider, instructor, school official, or monitor group must be approved by and registered with the department before offering prelicensure education courses for ...
• Florida Insurance Code Section 626.291; Examination results; denial, issuance of license.
  (1) Within 30 days after the applicant has completed any examination required under s. 626.221, the department or its designee shall provide a score ...
• Florida Insurance Code Section 626.292; Transfer of license from another state.
  (1) Any individual licensed in good standing in another state may apply to the department to have the license transferred to this state to obtain ...
• Florida Insurance Code Section 626.301; Form and contents of licenses, in general.
  Each license issued by the department shall be in such form as the department may designate and contain the licensee's name, lines of authority ...
• Florida Insurance Code Section 626.311; Scope of license.
  (1) Except as to personal lines agents and limited licenses, a general lines agent or customer representative shall qualify for all property, marine, casualty, and ...
• Florida Insurance Code Section 626.321; Limited licenses.
  (1) The department shall issue to a qualified individual, or a qualified individual or entity under paragraphs (c), (d), (e), and (i), a license as ...
• Florida Insurance Code Section 626.322; License, appointment; certain military installations.
  A natural person, not a resident of this state, may be licensed and appointed to represent an authorized life insurer domiciled in this state or ...
• Florida Insurance Code Section 626.331; Number of appointments permitted or required.
  (1) Except as otherwise expressly provided in this code, the same individual may at any one time hold any and all categories of appointments as ...
• Florida Insurance Code Section 626.341; Additional appointments; general lines, life, and health agents.
  (1) At any time while a licensee's license is in force, an insurer may apply to the department or person designated by the department ...
• Florida Insurance Code Section 626.342; Furnishing supplies to unlicensed life, health, or general lines agent prohibited; civil liability.
  (1) An insurer, a managing general agent, an insurance agency, or an agent, directly or through any representative, may not furnish to any agent any ...
• Florida Insurance Code Section 626.371; Payment of fees, taxes for appointment period without appointment.
  (1) All initial appointments shall be submitted to the department on a monthly basis no later than 45 days after the date of appointment and ...
• Florida Insurance Code Section 626.381; Renewal, continuation, reinstatement, or termination of appointment.
  (1) The appointment of an appointee shall continue in force until suspended, revoked, or otherwise terminated, but subject to a renewal request filed by the ...
• Florida Insurance Code Section 626.382; Continuation, expiration of license; insurance agencies.
  The license of any insurance agency shall be issued for a period of 3 years and shall continue in force until canceled, suspended, revoked, or ...
• Florida Insurance Code Section 626.431; Effect of expiration of license and appointment.
  (1) Upon the expiration of any person's appointment, as provided in s. 626.381, the person shall be without any authority conferred by the ...
• Florida Insurance Code Section 626.441; License or appointment; transferability.
  A license or appointment issued under this part is valid only as to the person named and is not transferable to another person. No licensee ...
• Florida Insurance Code Section 626.451; Appointment of agent or other representative.
  (1) Each appointing entity or person designated by the department to administer the appointment process appointing an agent, adjuster, service representative, customer representative, or managing ...
• Florida Insurance Code Section 626.461; Continuation of appointment of agent or other representative.
  Subject to renewal or continuation by the appointing entity, the appointment of the agent, adjuster, service representative, customer representative, or managing general agent shall continue ...
• Florida Insurance Code Section 626.471; Termination of appointment.
  (1) Subject to an appointee's contract rights, an appointing entity may terminate its appointment of any appointee at any time. Except when termination is ...
• Florida Insurance Code Section 626.511; Reasons for termination; confidential information.
  (1) Any insurer terminating the appointment of an agent; any general lines agent terminating the appointment of a customer representative or a crop hail or ...
• Florida Insurance Code Section 626.521; Character, credit reports.
  (1) As to each applicant who for the first time in this state is applying and qualifying for a license as agent, adjuster, service representative, ...
• Florida Insurance Code Section 626.536; Reporting of actions.
  Each agent and insurance agency shall submit to the department, within 30 days after the final disposition of any administrative action taken against the agent ...
• Florida Insurance Code Section 626.541; Firm, corporate, and business names; officers; associates; notice of changes.
  (1) Any licensed agent or adjuster doing business under a firm or corporate name or under any business name other than his or her own ...
• Florida Insurance Code Section 626.551; Notice of change of address, name.
  Every licensee shall notify the department in writing within 60 days after a change of name, residence address, principal business street address, or mailing address. ...
• Florida Insurance Code Section 626.561; Reporting and accounting for funds.
  (1) All premiums, return premiums, or other funds belonging to insurers or others received by an agent, insurance agency, customer representative, or adjuster in transactions ...
• Florida Insurance Code Section 626.571; Delinquent agencies; notice of trusteeship.
  If any agent or agency becomes delinquent for 90 days in payment of accounts owing to the insurer or insurers represented by the agent or ...
• Florida Insurance Code Section 626.5715; Parity of regulation of insurance agents and agencies.
  The Insurance Code requirements apply equally to all insurance transactions as between an insurance agency owned by or an agent associated with a federally chartered ...
• Florida Insurance Code Section 626.572; Rebating; when allowed.
  (1) No insurance agency agent shall rebate any portion of a commission except as follows: (a) The rebate shall be available to all insureds in ...
• Florida Insurance Code Section 626.581; Commissions contingent upon adjustment savings; prohibition.
  (1) It is unlawful for any insurer to enter into any agreement or understanding with its general or state agent or for any insurer, either ...
• Florida Insurance Code Section 626.591; Penalty for violation of s. 626.581.
  (1) If any agent is found by the department to be in violation of s. 626.581, the department may, in its discretion, suspend or ...
• Florida Insurance Code Section 626.593; Insurance agent; written contract for compensation.
  (1) No person licensed as an insurance agent may receive any fee or commission or any other thing of value in addition to the rates ...
• Florida Insurance Code Section 626.601; Improper conduct; inquiry; fingerprinting.
  (1) The department or office may, upon its own motion or upon a written complaint signed by any interested person and filed with the department ...
• Florida Insurance Code Section 626.602; Insurance agency names; disapproval.
  The department may disapprove the use of any true or fictitious name, other than the bona fide natural name of an individual, by any insurance ...
• Florida Insurance Code Section 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.
  The department shall deny an application for, suspend, revoke, or refuse to renew or continue the license or appointment of any applicant, agent, title agency, ...
• Florida Insurance Code Section 626.6115; Grounds for compulsory refusal, suspension, or revocation of insurance agency license.
  The department shall deny, suspend, revoke, or refuse to continue the license of any insurance agency if it finds, as to any insurance agency or ...
• Florida Insurance Code Section 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.
  The department may, in its discretion, deny an application for, suspend, revoke, or refuse to renew or continue the license or appointment of any applicant, ...
• Florida Insurance Code Section 626.6215; Grounds for discretionary refusal, suspension, or revocation of insurance agency license.
  The department may, in its discretion, deny, suspend, revoke, or refuse to continue the license of any insurance agency if it finds, as to any ...
• Florida Insurance Code Section 626.631; Procedure for refusal, suspension, or revocation of license.
  (1) If any licensee is convicted by a court of a violation of this code or a felony, the licenses and appointments of such person ...
• Florida Insurance Code Section 626.641; Duration of suspension or revocation.
  (1) The department shall, in its order suspending a license or appointment or in its order suspending the eligibility of a person to hold or ...
• Florida Insurance Code Section 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 any one license of an agent or customer representative, or upon suspension or revocation of ...
• Florida Insurance Code Section 626.6515; Effect of suspension or revocation upon associated agencies.
  Upon suspension or revocation of the license of an insurance agency, the department may at the same time revoke, suspend, or refuse to continue the ...
• Florida Insurance Code Section 626.661; Surrender of license.
  (1) Though issued to a licensee, all licenses issued under this chapter are at all times the property of the State of Florida; and, upon ...
• Florida Insurance Code Section 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 that one or more grounds exist for the suspension, revocation, or refusal to issue, renew, ...
• Florida Insurance Code Section 626.691; Probation.
  (1) If the department finds that one or more grounds exist for the suspension, revocation, or refusal to renew or continue any license or appointment ...
• Florida Insurance Code Section 626.692; Restitution.
  If any ground exists for the suspension, revocation, or refusal of a license or appointment, the department may, in addition to any other penalty authorized ...
• Florida Insurance Code Section 626.711; Retaliatory provision, agents.
  When under the laws of any other state any fine, tax, penalty, license fee, deposit of money, or security, or other obligation or prohibition is ...
• Florida Insurance Code Section 626.726; Short title.
  This part may be referred to in any legal proceedings as the "General Lines Agents ...
• Florida Insurance Code Section 626.727; Scope of this part.
  This part applies only to general lines agents, customer representatives, service representatives, and managing general agents, all as defined in s. 626.015. Provisions of ...
• Florida Insurance Code Section 626.728; This part supplements licensing law.
  This part is supplementary to part I of this chapter of the code, the "Licensing Procedures ...
• Florida Insurance Code Section 626.729; "Industrial fire insurance" defined.
  For the purposes of this code, "industrial fire insurance" is insurance against loss by fire of either buildings and other structures or contents, which may ...
• Florida Insurance Code Section 626.730; Purpose of license.
  (1) The purpose of a license issued under this code to a general lines agent or customer representative is to authorize and enable the licensee ...
• Florida Insurance Code Section 626.731; Qualifications for general lines agent's license.
  (1) The department shall not grant or issue a license as general lines agent to any individual found by it to be untrustworthy or incompetent ...
• Florida Insurance Code Section 626.7315; Prohibition against the unlicensed transaction of general lines insurance.
  With respect to any line of authority as defined in s. 626.015(5), no individual shall, unless licensed as a general lines agent: (1) ...
• Florida Insurance Code Section 626.732; Requirement as to knowledge, experience, or instruction.
  (1) Except as provided in subsection (3), no applicant for a license as a general lines agent or personal lines agent, except for a chartered ...
• Florida Insurance Code Section 626.733; Agency firms and corporations; special requirements.
  If a sole proprietorship, partnership, corporation, or association holds an agency contract, all members thereof who solicit, negotiate, or effect insurance contracts, and all officers ...
• Florida Insurance Code Section 626.734; Corporations, liability of agent.
  Any general lines insurance agent who is an officer, director, or stockholder of an incorporated general lines insurance agency shall remain personally and fully liable ...
• Florida Insurance Code Section 626.7351; Qualifications for customer representative's license.
  The department shall not grant or issue a license as customer representative to any individual found by it to be untrustworthy or incompetent, or who ...
• Florida Insurance Code Section 626.7352; Customer representative's office.
  A customer representative shall be housed wholly and completely within the actual confines of the office of the agent or agency whom he or she ...
• Florida Insurance Code Section 626.7353; Appointment of customer representatives.
  (1) Any person duly licensed and appointed as a general lines agent, except a person holding a limited license provided for in s. 626.321, ...
• Florida Insurance Code Section 626.7354; Customer representative's powers; agent's or agency's responsibility.
  (1) A customer representative's license shall not cover life insurance or any kind of insurance for which the agent or agency by which he ...
• Florida Insurance Code Section 626.7355; Temporary license as customer representative pending examination.
  (1) The department shall issue a temporary customer representative's license with respect to a person who has applied for such license upon finding that ...
• Florida Insurance Code Section 626.741; Nonresident agents; licensing and restrictions.
  (1) The department may, upon written application and the payment of the fees as specified in s. 624.501, issue a license as: (a) A ...
• Florida Insurance Code Section 626.742; Nonresident agents; service of process.
  (1) Each licensed nonresident agent shall appoint the Chief Financial Officer as his or her attorney to receive service of legal process issued against the ...
• Florida Insurance Code Section 626.743; Nonresident agents; retaliatory provision.
  When under the laws of any other state any fine, tax, penalty, license fee, deposit of money or security or other obligation, limitation, or prohibition ...
• Florida Insurance Code Section 626.744; Service representatives, managing general agents; application for license.
  The application for a license as service representative or the application for a license as managing general agent shall show the applicant's name, residence ...
• Florida Insurance Code Section 626.745; Service representatives, managing general agents; managers; activities.
  Individuals employed by insurers or their managers, general agents, or representatives as service representatives, and as managing general agents employed for the purpose of or ...
• Florida Insurance Code Section 626.7451; Managing general agents; required contract provisions.
  No person acting in the capacity of a managing general agent shall place business with an insurer unless there is in force a written contract ...
• Florida Insurance Code Section 626.7452; Managing general agents; examination authority.
  The acts of the managing general agent are considered to be the acts of the insurer on whose behalf it is acting. A managing general ...
• Florida Insurance Code Section 626.7453; Managing general agents; errors and omissions insurance.
  As a part of the appointment process, the insurer appointing the managing general agent shall certify that, upon investigation and to the best of the ...
• Florida Insurance Code Section 626.7454; Managing general agents; duties of insurers.
  (1) The insurer shall have on file for each managing general agent with which it has done business an independent financial examination in a form ...
• Florida Insurance Code Section 626.7455; Managing general agent; responsibility of insurer.
  (1) No insurer shall enter into an agreement with any person to manage the business written in this state by the general lines agents appointed ...
• Florida Insurance Code Section 626.747; Branch agencies.
  (1) Each branch place of business established by an agent or agency, firm, corporation, or association shall be in the active full-time charge of ...
• Florida Insurance Code Section 626.748; Agent's records.
  Every agent transacting any insurance policy must maintain in his or her office, or have readily accessible by electronic or photographic means, such records of ...
• Florida Insurance Code Section 626.749; Place of business in residence.
  No requirement of this part that an agent maintain within this state a place of business which is accessible to the public shall be deemed ...
• Florida Insurance Code Section 626.7491; Business transacted with producer controlled property and casualty insurer.
  (1) SHORT TITLE.--This section may be cited as the "Business Transacted with Producer Controlled Property or Casualty Insurer Act." (2) DEFINITIONS.--As used in ...
• Florida Insurance Code Section 626.7492; Reinsurance intermediaries.
  (1) SHORT TITLE.--This section may be cited as the "Reinsurance Intermediary Act." (2) DEFINITIONS.--As used in this section: (a) "Actuary" means a person ...
• Florida Insurance Code Section 626.752; Exchange of business.
  (1) As used in this section: (a) "Brokering agent" means an originating general lines agent placing business with a company with which he or she ...
• Florida Insurance Code Section 626.753; Sharing commissions; penalty.
  (1)(a) An agent may divide or share in commissions only with other agents appointed and licensed to write the same kind or kinds of ...
• Florida Insurance Code Section 626.754; Rights of agent following termination of appointment.
  (1) Following the termination of his or her agency appointment as to an insurer, the agent may for the period herein provided continue to service, ...
• Florida Insurance Code Section 626.776; Short title.
  This part may be referred to in any legal proceedings as the "Life Agents ...
• Florida Insurance Code Section 626.777; Scope of this part.
  This part applies only to agents of life insurers, agents who are appointed by the same insurer as to both life insurance and health insurance, ...
• Florida Insurance Code Section 626.778; This part supplements licensing law.
  This part is supplementary to part I, the "Licensing Procedures ...
• Florida Insurance Code Section 626.779; "Life agent" defined.
  For the purposes of this part, a "life agent" is as defined in s. 626....
• Florida Insurance Code Section 626.780; "Life insurer" defined.
  For the purposes of this part, a "life insurer" means an insurer writing life insurance, fixed-dollar annuity contracts, variable contracts, or any of such ...
• Florida Insurance Code Section 626.781; "Ordinary class insurer" and "ordinary-variable contract class insurer" defined.
  (1) An "ordinary class insurer" is an insurer writing life insurance on the legal reserve plan, for amounts of $1,000 or more, with premiums ...
• Florida Insurance Code Section 626.782; "Industrial class insurer" defined.
  An "industrial class insurer" is an insurer writing industrial life insurance, as defined in s. 627.502, and as to such insurance operates under a ...
• Florida Insurance Code Section 626.783; "Ordinary-combination class insurer" defined.
  An "ordinary-combination class insurer" is an insurer writing both ordinary class insurance and industrial class ...
• Florida Insurance Code Section 626.784; Purpose of license.
  (1) The purpose of a license issued under this code to a life agent is to authorize and enable the licensee actively and in good ...
• Florida Insurance Code Section 626.7845; Prohibition against unlicensed transaction of life insurance.
  (1) An individual may not solicit or sell variable life insurance, variable annuity contracts, or any other indeterminate value or variable contract as defined in ...
• Florida Insurance Code Section 626.785; Qualifications for license.
  (1) The department shall not grant or issue a license as life agent to any individual found by it to be untrustworthy or incompetent, or ...
• Florida Insurance Code Section 626.7851; Requirement as to knowledge, experience, or instruction.
  No applicant for a license as a life agent, except for a chartered life underwriter (CLU), shall be qualified or licensed unless within the 4 ...
• Florida Insurance Code Section 626.788; United States Department of Veterans Affairs employees disqualified.
  No person employed by the United States Department of Veterans Affairs or state service office shall be licensed as a life agent. The license of ...
• Florida Insurance Code Section 626.789; Military service; special provisions.
  Any person who obtains a license and appointment as a life agent who is in the Armed Forces of the United States shall maintain records, ...
• Florida Insurance Code Section 626.792; Nonresident agents; licensing and restrictions.
  (1) The department, upon written application and payment of the fees specified in s. 624.501, may issue a license as a nonresident life agent ...
• Florida Insurance Code Section 626.793; Excess or rejected business.
  (1) A licensed life agent may place excess or rejected risks within the class of business for which he or she is licensed and appointed, ...
• Florida Insurance Code Section 626.794; Unlawful payment or sharing of commissions.
  (1) No life insurer or licensed life agent shall pay directly or indirectly any commission or other valuable consideration to any person for services as ...
• Florida Insurance Code Section 626.795; Corporations, liability of agent.
  Any life insurance agent who is an officer, director, or stockholder of an incorporated life insurance agency shall remain personally and fully liable and accountable ...
• Florida Insurance Code Section 626.796; Representing another insurer in same industrial debit territory.
  (1) No insurer shall employ or appoint to sell weekly premium or industrial insurance in a given debit territory any agent who has within the ...
• Florida Insurance Code Section 626.797; Code of ethics.
  (1) The department shall, after consultation with the Florida Association of Insurance and Financial Advisors, adopt a code of ethics, or continue any such code ...
• Florida Insurance Code Section 626.798; Life agent as beneficiary; prohibition.
  No life agent shall, with respect to the placement of life insurance coverage with a life insurer covering the life of a person who is ...
• Florida Insurance Code Section 626.826; Short title.
  This part may be referred to in any legal proceedings as the "Health Agent ...
• Florida Insurance Code Section 626.827; Scope of this part.
  (1) This part applies only to agents of health insurers, which agents are not appointed as to the same insurer as to either life insurance ...
• Florida Insurance Code Section 626.828; This part supplements licensing law.
  This part is supplementary to part I, the "Licensing Procedures ...
• Florida Insurance Code Section 626.829; "Health agent" defined.
  (1) A "health agent" is any person appointed as agent by an insurer to solicit applications for or to negotiate and effectuate contracts of health ...
• Florida Insurance Code Section 626.830; Purpose of license.
  (1) The purpose of a license issued under this code to a health agent is to authorize and enable the licensee actively and in good ...
• Florida Insurance Code Section 626.8305; Prohibition against the unlicensed transaction of health insurance.
  Except as provided in s. 626.112(6), with respect to any line of authority specified in s. 626.015(6), no individual shall, unless ...
• Florida Insurance Code Section 626.831; Qualifications for license.
  (1) The department shall not grant or issue a license as health agent as to any individual found by it to be untrustworthy or incompetent, ...
• Florida Insurance Code Section 626.8311; Requirement as to knowledge, experience, or instruction.
  No applicant for a license as a health agent, except for a chartered life underwriter (CLU), shall be qualified or licensed unless within the 4 ...
• Florida Insurance Code Section 626.833; United States Department of Veterans Affairs employees disqualified.
  No person employed by the United States Department of Veterans Affairs or the Department of Veterans' Affairs shall be licensed as a health agent. The ...
• Florida Insurance Code Section 626.834; Military service; special provisions.
  Any person who obtains a license and appointment as a health agent who is in the Armed Forces of the United States shall maintain records, ...
• Florida Insurance Code Section 626.835; Nonresident agents; licensing and restrictions.
  (1) The department, upon written application and payment of the fees specified in s. 624.501, may issue a license as a nonresident health agent ...
• Florida Insurance Code Section 626.836; Nonresident agents; service of process.
  The provisions of s. 626.742 also apply as to nonresident health insurance agents licensed by the ...
• Florida Insurance Code Section 626.837; Excess or rejected business.
  (1) A licensed health agent may place excess or rejected risks within the class of business for which he or she is licensed and appointed, ...
• Florida Insurance Code Section 626.8373; Overinsurance of health insurance coverage.
  (1) With respect to the solicitation and sale of health insurance, continuing care contracts pursuant to chapter 651, health maintenance contracts pursuant to part II ...
• Florida Insurance Code Section 626.838; Unlawful payment or sharing of commissions.
  (1) No health insurer or licensed health agent shall pay directly or indirectly any commission or other valuable consideration to any person for services as ...
• Florida Insurance Code Section 626.839; Corporations, liability of agent.
  Any health insurance agent who is an officer, director, or stockholder of an incorporated health insurance agency shall remain personally and fully liable and accountable ...
• Florida Insurance Code Section 626.841; Definitions.
  The term: (1) "Title insurance agent" means a person appointed in writing by a title insurer to issue and countersign commitments or policies of title ...
• Florida Insurance Code Section 626.8411; Application of Florida Insurance Code provisions to title insurance agents or agencies.
  (1) The following provisions of part II, as applicable to general lines agents or agencies, also apply to title insurance agents or agencies: (a) Section ...
• Florida Insurance Code Section 626.8412; License and appointments required.
  (1) Except as otherwise provided in this part: (a) Title insurance may be sold only by a licensed title insurance agent employed by a licensed ...
• Florida Insurance Code Section 626.8413; Title insurance agents; certain names prohibited.
  After October 1, 1985, a title insurance agent as defined in s. 626.841 shall not adopt a name which contains the words "title insurance," "...
• Florida Insurance Code Section 626.8414; Qualifications for examination.
  The department must authorize any natural person to take the examination for the issuance of a license as a title insurance agent if the person ...
• Florida Insurance Code Section 626.8417; Title insurance agent licensure; exemptions.
  (1) A person may not act as a title insurance agent as defined in s. 626.841 until a valid title insurance agent's license ...
• Florida Insurance Code Section 626.8418; Application for title insurance agency license.
  Prior to doing business in this state as a title insurance agency, a title insurance agency must meet all of the following requirements: (1) The ...
• Florida Insurance Code Section 626.8419; Appointment of title insurance agency.
  (1) The title insurer engaging or employing the title insurance agency must file with the department, on printed forms furnished by the department, an application ...
• Florida Insurance Code Section 626.842; Credit and character reports.
  (1) As to each person appointed as title insurance agent for the first time in this state, the appointing insurer shall, coincidentally with such appointment, ...
• Florida Insurance Code Section 626.84201; Nonresident title insurance agents.
  Notwithstanding s. 626.8414(2), the department, upon application and payment of the fees specified in s. 624.501, may issue a license as a ...
• Florida Insurance Code Section 626.8421; Number of appointments permitted or required.
  A title agent shall be required to have a separate appointment as to each insurer by which he or she is appointed as agent. As ...
• Florida Insurance Code Section 626.8423; Investigation of applicants for license or renewal or continuation.
  The department may propound reasonable interrogatories, in addition to those contained in the application, to any applicant for a title insurance agent's license or ...
• Florida Insurance Code Section 626.8427; Number of applications for licensure required; exemption; effect of expiration of license.
  (1) After a license as a title insurance agent has been issued to a title insurance agent, the agent is not required to file another ...
• Florida Insurance Code Section 626.843; Renewal, continuation, reinstatement, termination of title insurance agent's appointment.
  (1) The appointment of a title insurance agent shall continue in force until suspended, revoked, or otherwise terminated, but subject to a renewed request filed ...
• Florida Insurance Code Section 626.8433; Filing of reasons for terminating appointment of title insurance agent; confidential information.
  (1) Any title insurer that is terminating the appointment of a title insurance agent, whether such termination is by direct action of the appointing title ...
• Florida Insurance Code Section 626.8437; Grounds for denial, suspension, revocation, or refusal to renew license or appointment.
  The department shall deny, suspend, revoke, or refuse to renew or continue the license or appointment of any title insurance agent or agency, and it ...
• Florida Insurance Code Section 626.844; Grounds for discretionary refusal, suspension, or revocation of license or appointment.
  The department may, in its discretion, deny, suspend, revoke, or refuse to renew or continue the license or appointment of any title insurance agent or ...
• Florida Insurance Code Section 626.8443; Duration of suspension or revocation.
  (1) The department shall, in its order suspending a title insurance agent's or agency's license or appointment or in its order suspending the ...
• Florida Insurance Code Section 626.8447; Effect of suspension or revocation upon other licensees, appointees.
  In case of the suspension or revocation of the license and appointment of any title insurance agent, the licenses and appointments of all other title ...
• Florida Insurance Code Section 626.845; Cancellation of license.
  All certificates of licenses issued under this act are at all times the property of the state; and, upon notice by the department to the ...
• Florida Insurance Code Section 626.8453; Penalty for violation.
  A person who knowingly makes a false or otherwise fraudulent application for a license or appointment under this act, or who knowingly violates any provision ...
• Florida Insurance Code Section 626.8457; Administrative fine in lieu of suspension or revocation of license or appointment.
  (1) If the department finds that one or more grounds exist for the suspension of, revocation of, or refusal to renew or continue any license ...
• Florida Insurance Code Section 626.846; Probation.
  (1) If the department finds that one or more grounds exist for the suspension of, revocation of, or refusal to renew or continue any license ...
• Florida Insurance Code Section 626.8463; Witnesses and evidence.
  (1) As to the subject of any examination, investigation, or hearing being conducted by him or her under s. 624.5015, ss. 626.8417-626....
• Florida Insurance Code Section 626.8467; Testimony compelled; immunity from prosecution.
  (1) If a person asks to be excused from attending or testifying or from producing any books, papers, records, contracts, documents, or other evidence in ...
• Florida Insurance Code Section 626.847; Penalty for refusal to testify.
  A person who refuses or fails, without lawful cause, to testify relative to the affairs of any title insurer or other person when subpoenaed under ...
• Florida Insurance Code Section 626.8473; Escrow; trust fund.
  (1) A title insurance agent may engage in business as an escrow agent as to funds received from others to be subsequently disbursed by the ...
• Florida Insurance Code Section 626.851; Short title.
  This part may be referred to in any legal proceedings as the "Insurance Adjusters ...
• Florida Insurance Code Section 626.852; Scope of this part.
  (1) This part applies only to insurance adjusters as defined in this part. (2) Unless otherwise required by context, the term "adjusters" as used in ...
• Florida Insurance Code Section 626.853; Part supplements licensing law.
  This part is supplementary to part I, the "Licensing Procedures ...
• Florida Insurance Code Section 626.854; "Public adjuster" defined; prohibitions.
  The Legislature finds that it is necessary for the protection of the public to regulate public insurance adjusters and to prevent the unauthorized practice of ...
• Florida Insurance Code Section 626.855; "Independent adjuster" defined.
  An "independent adjuster" is any person who is self-employed or is associated with or employed by an independent adjusting firm or other independent adjuster, ...
• Florida Insurance Code Section 626.856; "Company employee adjuster" defined.
  A "company employee adjuster" is a person employed on an insurer's staff of adjusters or a wholly owned subsidiary of the insurer, and who ...
• Florida Insurance Code Section 626.858; "Nonresident company employee adjuster" defined.
  A "nonresident company employee adjuster" is a person who: (1) Is not a resident of this state; (2) Is a currently licensed or authorized adjuster ...
• Florida Insurance Code Section 626.8582; "Nonresident public adjuster" defined.
  A "nonresident public adjuster" is a person who: (1) Is not a resident of this state; (2) Is a currently licensed public adjuster in his ...
• Florida Insurance Code Section 626.8584; "Nonresident independent adjuster" defined.
  A "nonresident independent adjuster" is a person who: (1) Is not a resident of this state; (2) Is a currently licensed independent adjuster in his ...
• Florida Insurance Code Section 626.859; "Catastrophe" or "emergency" adjuster defined.
  A "catastrophe" or "emergency" adjuster is a person who is not a licensed adjuster under this part, but who has been designated and certified to ...
• Florida Insurance Code Section 626.860; Attorneys at law; exemption.
  Attorneys at law duly licensed to practice law in the courts of this state, and in good standing with The Florida Bar, shall not be ...
• Florida Insurance Code Section 626.861; Insurer's officers, insurer's employees, reciprocal insurer's representatives; adjustments by.
  (1) Nothing in this part shall be construed to prevent an executive officer of any insurer, or a regularly salaried employee of an insurer handling ...
• Florida Insurance Code Section 626.862; Agents; adjustments by.
  A licensed and appointed insurance agent may, without being licensed as an adjuster, adjust losses for the insurer represented by him or her as agent ...
• Florida Insurance Code Section 626.863; Licensed independent adjusters required; insurers' responsibility.
  (1) An insurer shall not knowingly refer any claim or loss for adjustment in this state to any person purporting to be or acting as ...
• Florida Insurance Code Section 626.864; Adjuster license types.
  (1) A qualified individual may be licensed and appointed as either: (a) A public adjuster; (b) An independent adjuster; or (c) A company employee adjuster. (...
• Florida Insurance Code Section 626.865; Public adjuster's qualifications, bond.
  (1) The department shall issue a license to an applicant for a public adjuster's license upon determining that the applicant has paid the applicable ...
• Florida Insurance Code Section 626.866; Independent adjuster's qualifications.
  The department shall issue a license to an applicant for an independent adjuster's license upon determining that the applicable license fee specified in s. ...
• Florida Insurance Code Section 626.867; Company employee adjuster's qualifications.
  The department shall issue a license to an applicant for a company employee adjuster's license upon determining that the applicable license fee specified in ...
• Florida Insurance Code Section 626.869; License, adjusters.
  (1) An applicant for a license as an adjuster may qualify and his or her license when issued may cover adjusting in any one of ...
• Florida Insurance Code Section 626.8695; Primary adjuster.
  (1) Each person operating an adjusting firm and each location of a multiple location adjusting firm must designate a primary adjuster for each such firm ...
• Florida Insurance Code Section 626.8696; Application for adjusting firm license.
  (1) The application for an adjusting firm license must include: (a) The name of each majority owner, partner, officer, and director of the adjusting firm. (...
• Florida Insurance Code Section 626.8697; Grounds for refusal, suspension, or revocation of adjusting firm license.
  (1) The department shall deny, suspend, revoke, or refuse to continue the license of any adjusting firm if it finds, as to any adjusting firm ...
• Florida Insurance Code Section 626.8698; Disciplinary guidelines for public adjusters.
  The department may deny, suspend, or revoke the license of a public adjuster, and administer a fine not to exceed $5,000 per act, for ...
• Florida Insurance Code Section 626.870; Application for license.
  (1) Application for a license under this part shall be made as provided in s. 626.171 and related sections of this code. (2) The ...
• Florida Insurance Code Section 626.871; Reappointment after military service.
  The department may, without requiring a further written examination, issue an appointment as an adjuster to a formerly licensed and appointed adjuster of this state ...
• Florida Insurance Code Section 626.872; Temporary license.
  (1) The department may, in its discretion, issue a temporary license as an independent adjuster or as a company employee adjuster, subject to the following ...
• Florida Insurance Code Section 626.873; Nonresident company employee adjusters.
  (1) The department shall, upon application therefor, issue a license to an applicant for a nonresident adjuster's license upon determining that the applicant has ...
• Florida Insurance Code Section 626.8732; Nonresident public adjuster's qualifications, bond.
  (1) The department shall, upon application therefor, issue a license to an applicant for a nonresident public adjuster's license upon determining that the applicant ...
• Florida Insurance Code Section 626.8734; Nonresident independent adjuster's qualifications.
  (1) The department shall, upon application therefor, issue a license to an applicant for a nonresident independent adjuster's license upon determining that the applicant ...
• Florida Insurance Code Section 626.8736; Nonresident independent or public adjusters; service of process.
  (1) Each licensed nonresident independent or public adjuster shall appoint the Chief Financial Officer and his or her successors in office as his or her ...
• Florida Insurance Code Section 626.8737; Nonresident adjusters; retaliatory provision.
  When under the laws of any other state any fine, tax, penalty, license fee, deposit of money, or security or other obligation, limitation, or prohibition ...
• Florida Insurance Code Section 626.8738; Penalty for violation.
  In addition to any other remedy imposed pursuant to this code, any person who acts as a resident or nonresident public adjuster or holds himself ...
• Florida Insurance Code Section 626.874; Catastrophe or emergency adjusters.
  (1) In the event of a catastrophe or emergency, the department may issue a license, for the purposes and under the conditions which it shall ...
• Florida Insurance Code Section 626.875; Office and records.
  (1) Every licensed independent adjuster and every licensed public adjuster shall have and maintain in this state a place of business accessible to the public ...
• Florida Insurance Code Section 626.876; Exclusive employment; public adjusters, independent adjusters.
  (1) No individual licensed and appointed as a public adjuster shall be so employed during the same period by more than one public adjuster or ...
• Florida Insurance Code Section 626.877; Adjustments to comply with insurance contract and law.
  Every adjuster shall adjust or investigate every claim, damage, or loss made or occurring under an insurance contract, in accordance with the terms and conditions ...
• Florida Insurance Code Section 626.878; Rules; code of ethics.
  An adjuster shall subscribe to the code of ethics specified in the rules of the department. The rules shall implement the provisions of this part ...
• Florida Insurance Code Section 626.879; Pools of insurance adjusters.
  The department may, by rule, establish a pool of qualified insurance adjusters. The rules must provide that, if a hurricane occurs or an emergency is ...
• Florida Insurance Code Section 626.8795; Public adjusters; prohibition of conflict of interest.
  A public adjuster may not participate, directly or indirectly, in the reconstruction, repair, or restoration of damaged property that is the subject of a claim ...
• Florida Insurance Code Section 626.88; Definitions.
  For the purposes of this part, the term: (1) "Administrator" is any person who directly or indirectly solicits or effects coverage of, collects charges or ...
• Florida Insurance Code Section 626.8805; Certificate of authority to act as administrator.
  (1) It is unlawful for any person to act as or hold himself or herself out to be an administrator in this state without a ...
• Florida Insurance Code Section 626.8809; Fidelity bond.
  An administrator shall have and keep in full force and effect a fidelity bond equal to at least 10 percent of the amount of the ...
• Florida Insurance Code Section 626.8814; Disclosure of ownership or affiliation.
  Each administrator shall identify to the office any ownership interest or affiliation of any kind with any insurance company responsible for providing benefits directly or ...
• Florida Insurance Code Section 626.8817; Responsibilities of insurance company with respect to administration of coverage insured.
  (1) If an insurer uses the services of an administrator, the insurer is responsible for determining the benefits, premium rates, underwriting criteria, and claims payment ...
• Florida Insurance Code Section 626.882; Agreement between administrator and insurer; required provisions; maintenance of records.
  (1) No person may act as an administrator without a written agreement between such person as administrator and an insurer. (2)(a) The written agreement ...
• Florida Insurance Code Section 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 under the terms of a written agreement, the payment to the administrator of any premiums ...
• Florida Insurance Code Section 626.884; Maintenance of records by administrator; access; confidentiality.
  (1) Every administrator shall maintain in such administrator's principal administrative office for the duration of the written agreement and for 5 years thereafter adequate ...
• Florida Insurance Code Section 626.885; Notice; statement of charge or premium for coverage.
  (1) When the services of an administrator are utilized, the administrator shall provide a written notice approved by the insurer to insured individuals advising them ...
• Florida Insurance Code Section 626.886; Delivery of insurer's written communications to policyholders.
  Any policies, certificates, booklets, termination notices, or other written communications delivered by the insurer to the administrator for delivery to its policyholders shall be delivered ...
• Florida Insurance Code Section 626.887; Advertising; approval by insurer.
  An administrator may use only such advertising pertaining to the business underwritten by an insurer as has been approved in writing by such insurer in ...
• Florida Insurance Code Section 626.888; Adjustment or settlement of claims; compensation of administrator.
  Compensation to an administrator for any policies in which the administrator adjusts or settles claims shall in no way be contingent on claims experience. This ...
• Florida Insurance Code Section 626.89; Annual financial statement and filing fee; notice of change of ownership.
  (1) Each authorized administrator shall file with the office a full and true statement of its financial condition, transactions, and affairs. The statement shall be ...
• Florida Insurance Code Section 626.891; Grounds for suspension or revocation of certificate of authority.
  (1) The certificate of authority of an administrator shall be suspended or revoked if the office determines that the administrator: (a) Is in an unsound ...
• Florida Insurance Code Section 626.892; Order of suspension or revocation of certificate of authority; notice.
  (1) The suspension or revocation of a certificate of authority of an administrator shall be effected by order of the office mailed to the administrator ...
• Florida Insurance Code Section 626.893; Period of suspension; obligations during suspension; reinstatement.
  (1) A certificate of authority of an administrator shall be suspended for such period, not to exceed 1 year, as is fixed in the order ...
• Florida Insurance Code Section 626.894; Administrative fine in lieu of suspension or revocation.
  (1) If the office finds that one or more grounds exist for the suspension or revocation of a certificate of authority issued under this part, ...
• Florida Insurance Code Section 626.895; Definition of "service company" or "service agent".
  For the purpose of this part, a "service company" is any business entity which has met all the requirements of ss. 626.895-626.899, ...
• Florida Insurance Code Section 626.896; Servicing requirements for self-insurers and multiple-employer welfare arrangements.
  (1) Each individual self-insurer or multiple-employer welfare arrangement is required to provide proof of compliance with the provisions of this section regarding servicing ...
• Florida Insurance Code Section 626.897; Application for authorization to act as service company; bond.
  (1) An application by any business for approval to provide underwriting and claims adjusting services to self-insurers or multiple-employer welfare arrangements shall be ...
• Florida Insurance Code Section 626.898; Requirements for retaining authorization as service company; recertification.
  (1) No person may act as a service company without a written agreement between such person as service company and a self-insurer or multiple-...
• Florida Insurance Code Section 626.899; Withdrawal of authorization as service company.
  The failure to comply with any provision of ss. 626.895-626.899 or with any rule or any order of the commission or office ...
• Florida Insurance Code Section 626.8991; Adoption of rules.
  The commission may adopt rules necessary to administer this ...
• Florida Insurance Code Section 626.901; Representing or aiding unauthorized insurer prohibited.
  (1) No person shall, from offices or by personnel or facilities located in this state, or in any other state or country, directly or indirectly ...
• Florida Insurance Code Section 626.902; Penalty for representing unauthorized insurer.
  (1) In addition to any other penalties provided in the insurance code: (a) Any insurance agent licensed in this state who in this state knowingly ...
• Florida Insurance Code Section 626.903; Suits by unauthorized insurers prohibited.
  As to transactions not permitted under s. 624.402, no unauthorized insurer shall institute, file, or maintain, or cause to be instituted, filed, or maintained, ...
• Florida Insurance Code Section 626.904; Unauthorized Insurers Process Law; short title; interpretation.
  (1) Sections 626.904-626.912 may be cited as the "Unauthorized Insurers Process Law." (2) Such law shall be so interpreted as to effectuate ...
• Florida Insurance Code Section 626.905; Purpose of Unauthorized Insurers Process Law.
  The purpose of the Unauthorized Insurers Process Law is to subject certain insurers and persons representing or aiding such insurers to the jurisdiction of courts ...
• Florida Insurance Code Section 626.906; Acts constituting Chief Financial Officer as process agent.
  Any of the following acts in this state, effected by mail or otherwise, by an unauthorized foreign insurer, alien insurer, or person representing or aiding ...
• Florida Insurance Code Section 626.907; Service of process; judgment by default.
  (1) Service of process upon an insurer or person representing or aiding such insurer pursuant to s. 626.906 shall be made by delivering to ...
• Florida Insurance Code Section 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 such insurer files or causes to be filed any pleading in any action or proceeding ...
• Florida Insurance Code Section 626.909; Jurisdiction of office and department; service of process on Secretary of State.
  (1) The Legislature hereby declares that it is a subject of concern that the purpose of the Unauthorized Insurers Process Law as expressed in s. ...
• Florida Insurance Code Section 626.910; Penalty for violation by unauthorized insurers and persons representing or aiding such insurers.
  Any unauthorized insurer or person representing or aiding such insurer transacting insurance in this state and subject to service of process as referred to in ...
• Florida Insurance Code Section 626.911; Attorney's fee.
  In any action against an unauthorized foreign insurer, alien insurer, or person representing or aiding such an insurer, upon a contract of insurance issued or ...
• Florida Insurance Code Section 626.912; Exemptions from ss. 626.904-626.911.
  The provisions of ss. 626.904-626.911 do not apply to any action, suit, or proceeding against any unauthorized foreign insurer, alien insurer, or ...
• Florida Insurance Code Section 626.913; Surplus Lines Law; short title; purposes.
  (1) Sections 626.913-626.937 constitute and may be referred to as the "Surplus Lines Law." (2) It is declared that the purposes of ...
• Florida Insurance Code Section 626.914; Definitions.
  As used in this Surplus Lines Law, the term: (1) "Surplus lines agent" means an individual licensed as provided in this part to handle the ...
• Florida Insurance Code Section 626.915; Surplus lines insurance authorized.
  If certain insurance coverages of subjects resident, located, or to be performed in this state cannot be procured from authorized insurers, such coverages, hereinafter designated "...
• Florida Insurance Code Section 626.916; Eligibility for export.
  (1) No insurance coverage shall be eligible for export unless it meets all of the following conditions: (a) The full amount of insurance required must ...
• Florida Insurance Code Section 626.917; Eligibility for export; wet marine and transportation, aviation risks.
  (1) Insurance coverage of wet marine and transportation risks, as defined in this code in s. 624.607(2), or aviation risks, including airport and ...
• Florida Insurance Code Section 626.918; Eligible surplus lines insurers.
  (1) A surplus lines agent may not place any coverage with any unauthorized insurer which is not then an eligible surplus lines insurer, except as ...
• Florida Insurance Code Section 626.9181; Levy upon deposit.
  No judgment creditor or other claimant of a surplus lines insurer shall have the right to levy upon any of the assets or securities held ...
• Florida Insurance Code Section 626.919; Withdrawal of eligibility; surplus lines insurer.
  (1) If at any time the office has reason to believe that any unauthorized insurer then on the list of eligible surplus lines insurers is ...
• Florida Insurance Code Section 626.9201; Notice of cancellation or nonrenewal.
  (1) An insurer issuing a policy providing coverage for property, casualty, surety, or marine insurance shall give the named insured at least 45 days' advance ...
• Florida Insurance Code Section 626.921; Florida Surplus Lines Service Office.
  (1) There is hereby created a nonprofit association to be known as the Florida Surplus Lines Service Office. The Legislature hereby finds and declares that ...
• Florida Insurance Code Section 626.922; Evidence of the insurance; changes; penalty.
  (1) Upon placing a surplus lines coverage, the surplus lines agent shall promptly issue and deliver to the insured evidence of the insurance consisting either ...
• Florida Insurance Code Section 626.923; Filing copy of policy or certificate.
  A surplus lines agent shall, within 30 days after the date of a request by the department or the Florida Surplus Lines Service Office, furnish ...
• Florida Insurance Code Section 626.924; Information required on contract.
  Each surplus lines agent through whom a surplus lines coverage is procured shall write or print on the outside of the policy and on any ...
• Florida Insurance Code Section 626.925; Surplus lines insurance valid.
  Insurance contracts procured as surplus lines coverages from unauthorized insurers in accordance with this law shall be fully valid and enforceable as to all parties ...
• Florida Insurance Code Section 626.926; Liability of insurer as to losses and unearned premiums.
  (1) If an unauthorized insurer or a person authorized by it has bound the risk as to a surplus lines coverage placed under this Surplus ...
• Florida Insurance Code Section 626.927; Licensing of surplus lines agent.
  (1) Any individual while licensed and appointed as a resident general lines agent as to property, casualty, and surety insurances, and who is deemed by ...
• Florida Insurance Code Section 626.9271; Temporary license; death, disability, absence of surplus lines agent.
  (1) The department may, in its discretion, issue a temporary license and appointment as a surplus lines agent to a licensed surplus lines agent's ...
• Florida Insurance Code Section 626.9272; Licensing of nonresident surplus lines agents.
  (1) The department may, upon written application and the payment of the fees specified in s. 624.501, issue a nonresident surplus lines agent license ...
• Florida Insurance Code Section 626.928; Surplus lines agent's bond.
  Prior to issuance of license, the applicant shall file with the department, and thereafter for as long as any such license remains in effect, shall ...
• Florida Insurance Code Section 626.929; Origination, acceptance, placement of surplus lines business.
  (1) A general lines agent while licensed and appointed as a surplus lines agent under this part may originate surplus lines business and may accept ...
• Florida Insurance Code Section 626.9295; Corporations, liability of agent.
  Any surplus lines insurance agent who is an officer, director, stockholder, or employee of an incorporated surplus lines insurance agency shall remain personally and fully ...
• Florida Insurance Code Section 626.930; Records of surplus lines agent.
  (1) Each surplus lines agent shall keep in his or her office in this state, or in the agent's state of residence for a ...
• Florida Insurance Code Section 626.931; Agent affidavit and insurer reporting requirements.
  (1) Each surplus lines agent shall on or before the end of the month next following each calendar quarter file with the Florida Surplus Lines ...
• Florida Insurance Code Section 626.932; Surplus lines tax.
  (1) The premiums charged for surplus lines coverages are subject to a premium receipts tax of 5 percent of all gross premiums charged for such ...
• Florida Insurance Code Section 626.9325; Service fee.
  (1) The premiums charged for surplus lines insurance are subject to a service fee as provided in s. 626.921(3)(f). The surplus lines ...
• Florida Insurance Code Section 626.933; Collection of tax and service fee.
  If the tax or service fee payable by a surplus lines agent under this Surplus Lines Law is not so paid within the time prescribed, ...
• Florida Insurance Code Section 626.934; Accounting for funds; contingent commissions.
  The following sections also apply as to surplus lines agents: (1) Section 626.561. (2) Section 626.581. (3) Section 626....
• Florida Insurance Code Section 626.935; Suspension, revocation, or refusal of surplus lines agent's license.
  (1) The department shall deny an application for, suspend, revoke, or refuse to renew the appointment of a surplus lines agent and all other licenses ...
• Florida Insurance Code Section 626.936; Failure to file reports or pay tax or service fee; administrative penalty.
  (1) Any licensed surplus lines agent who neglects to file a report or an affidavit in the form and within the time required or provided ...
• Florida Insurance Code Section 626.9361; Failure to file report; administrative penalty.
  Any eligible surplus lines insurer who fails to file a report in the form and within the time required or provided for in the Surplus ...
• Florida Insurance Code Section 626.937; Actions against insurer; service of process.
  (1) An unauthorized insurer may be sued upon any cause of action arising in this state under any surplus lines insurance contract issued by it ...
• Florida Insurance Code Section 626.938; Report and tax of independently procured coverages.
  (1) Every insured who in this state procures or causes to be procured or continues or renews insurance from another state or country with an ...
• Florida Insurance Code Section 626.939; Records produced on order.
  (1) Every person by or as to whom insurance is procured or placed in an unauthorized insurer, upon the order of the department, shall produce ...
• Florida Insurance Code Section 626.951; Declaration of purpose.
  (1) The purpose of this part is to regulate trade practices relating to the business of insurance in accordance with the intent of Congress as ...
• Florida Insurance Code Section 626.9511; Definitions.
  When used in this part: (1) "Person" means any individual, corporation, association, partnership, reciprocal exchange, interinsurer, Lloyds insurer, fraternal benefit society, or business trust or ...
• Florida Insurance Code Section 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 trade practice which is defined in this part as, or determined pursuant to s. 626....
• Florida Insurance Code Section 626.9531; Identification of insurers, agents, and insurance contracts.
  Advertising materials and other communications developed by insurers regarding insurance products shall clearly indicate that the communication relates to insurance products. When soliciting or selling ...
• Florida Insurance Code Section 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 following are defined as unfair methods of competition and unfair or deceptive acts or ...
• Florida Insurance Code Section 626.9543; Holocaust victims.
  (1) SHORT TITLE.--This section may be cited as the "Holocaust Victims Insurance Act." (2) INTENT; PURPOSE.--It is the Legislature's intent that the ...
• Florida Insurance Code Section 626.9545; Improper charge identification incentive program.
  No section or provision of the Florida Insurance Code shall be construed as prohibiting an insurer from establishing a financial incentive program for remunerating a ...
• Florida Insurance Code Section 626.9551; Favored agent or insurer; coercion of debtors.
  (1) No person may: (a) Require, as a condition precedent or condition subsequent to the lending of money or extension of credit or any renewal ...
• Florida Insurance Code Section 626.9561; Power of department and office.
  The department and office shall each have power within its respective regulatory jurisdiction to examine and investigate the affairs of every person involved in the ...
• Florida Insurance Code Section 626.9571; Defined practices; hearings, witnesses, appearances, production of books and service of process.
  (1) Whenever the department or office has reason to believe that any person has engaged, or is engaging, in this state in any unfair method ...
• Florida Insurance Code Section 626.9581; Cease and desist and penalty orders.
  After the hearing provided in s. 626.9571, the department or office shall enter a final order in accordance with s. 120.569. If it ...
• Florida Insurance Code Section 626.9591; Appeals from the department or office.
  Any person subject to an order of the department or office under s. 626.9581 or s. 626.9601 may obtain a review of such ...
• Florida Insurance Code Section 626.9601; Penalty for violation of cease and desist orders.
  Any person who violates a cease and desist order of the department or office under s. 626.9581 while such order is in effect, after ...
• Florida Insurance Code Section 626.9611; Rules.
  The department or commission may, in accordance with chapter 120, adopt reasonable rules as are necessary or proper to identify specific methods of competition or ...
• Florida Insurance Code Section 626.9621; Provisions of part additional to existing law.
  The powers vested in the department, commission, and office by this part shall be additional to any other powers to enforce any penalties, fines, or ...
• Florida Insurance Code Section 626.9631; Civil liability.
  The provisions of this part are cumulative to rights under the general civil and common law, and no action of the department, commission, or office ...
• Florida Insurance Code Section 626.9641; Policyholders, bill of rights.
  (1) The principles expressed in the following statements shall serve as standards to be followed by the department, commission, and office in exercising their powers ...
• Florida Insurance Code Section 626.9651; Privacy.
  The department and commission shall each adopt rules consistent with other provisions of the Florida Insurance Code to govern the use of a consumer's ...
• Florida Insurance Code Section 626.9701; Rate increases and premium surcharges; consideration of certain noncriminal violations for excessive speed prohibited.
  Noncriminal violations solely for excessive speed less than 70 miles per hour on highways which are outside business and residential districts and which have at ...
• Florida Insurance Code Section 626.9702; Illegal dealings in premiums; excess charges for insurance.
  (1) No insurer shall impose or request an additional premium for automobile insurance, or refuse to renew a policy, solely because the insured or applicant ...
• Florida Insurance Code Section 626.9705; Life or disability insurance; illegal dealings.
  (1) No life or disability insurer shall refuse to renew, sell, or issue a life or disability insurance policy, establish or charge a premium or ...
• Florida Insurance Code Section 626.9706; Life insurance; discrimination on basis of sickle-cell trait prohibited.
  (1) No insurer authorized to transact insurance in this state shall refuse to issue and deliver any policy of life insurance solely because the person ...
• Florida Insurance Code Section 626.9707; Disability insurance; discrimination on basis of sickle-cell trait prohibited.
  (1) No insurer authorized to transact insurance in this state shall refuse to issue and deliver in this state any policy of disability insurance, whether ...
• Florida Insurance Code Section 626.973; Fictitious groups.
  (1) No insurer or any person on behalf of any insurer shall make, offer to make, or permit any preference or distinction in property, marine, ...
• Florida Insurance Code Section 626.9741; Use of credit reports and credit scores by insurers.
  (1) The purpose of this section is to regulate and limit the use of credit reports and credit scores by insurers for underwriting and rating ...
• Florida Insurance Code Section 626.97411; Public records exemption for the Office of Insurance Regulation.
  Credit scoring methodologies and related data and information that are trade secrets as defined in s. 688.002 and that are filed with the Office ...
• Florida Insurance Code Section 626.9743; Claim settlement practices relating to motor vehicle insurance.
  (1) This section shall apply to the adjustment and settlement of personal and commercial motor vehicle insurance claims. (2) An insurer may not, when liability ...
• Florida Insurance Code Section 626.9744; Claim settlement practices relating to property insurance.
  Unless otherwise provided by the policy, when a homeowner's insurance policy provides for the adjustment and settlement of first-party losses based on repair ...
• Florida Insurance Code Section 626.9885; Financial institutions conducting insurance transactions.
  A financial institution, as defined in s. 655.005(1)(g), (h), or (p), may conduct insurance transactions only through Florida-licensed insurance agents representing ...
• Florida Insurance Code Section 626.989; Investigation by department or Division of Insurance Fraud; compliance; immunity; confidential information; reports to division; division investigator's power of arrest.
  (1) For the purposes of this section, a person commits a "fraudulent insurance act" if the person knowingly and with intent to defraud presents, causes ...
• Florida Insurance Code Section 626.9891; Insurer anti-fraud investigative units; reporting requirements; penalties for noncompliance.
  (1) Every insurer admitted to do business in this state who in the previous calendar year, at any time during that year, had $10 million ...
• Florida Insurance Code Section 626.9892; Anti-Fraud Reward Program; reporting of insurance fraud.
  (1) The Anti-Fraud Reward Program is hereby established within the department, to be funded from the Insurance Regulatory Trust Fund. (2) The department may ...
• Florida Insurance Code Section 626.9893; Disposition of revenues; criminal or forfeiture proceedings.
  (1) The Division of Insurance Fraud of the Department of Financial Services may deposit revenues received as a result of criminal proceedings or forfeiture proceedings, ...
• Florida Insurance Code Section 626.99; Life insurance solicitation.
  (1) PURPOSE.--The purpose of this section is to require insurers to deliver to purchasers of life insurance information which will improve the buyer's ...
• Florida Insurance Code Section 626.991; Short title.
  This act may be referred to as the "Viatical Settlement ...
• Florida Insurance Code Section 626.9911; Definitions.
  As used in this act, the term: (1) "Financing entity" means an underwriter, placement agent, lender, purchaser of securities, or purchaser of a policy or ...
• Florida Insurance Code Section 626.9912; Viatical settlement provider license required; application for license.
  (1) A person may not perform the functions of a viatical settlement provider as defined in this act or enter into or solicit a viatical ...
• Florida Insurance Code Section 626.9913; Viatical settlement provider license continuance; annual report; fees; deposit.
  (1) A viatical settlement provider license continues in force until suspended or revoked. (2) Annually, on or before March 1, the viatical settlement provider licensee ...
• Florida Insurance Code Section 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 renew the license of any viatical settlement provider if the office finds that the licensee: (...
• Florida Insurance Code Section 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 must proceed, immediately following the effective date of the suspension or revocation, to conclude the ...
• Florida Insurance Code Section 626.9916; Viatical settlement broker license required.
  (1) After October 1, 2006, a person, other than a life agent licensed under this chapter, may not in this state, from this state, or ...
• Florida Insurance Code Section 626.99175; Life expectancy providers; registration required; denial, suspension, revocation.
  (1) After July 1, 2006, a person may not perform the functions of a life expectancy provider without first having registered as a life expectancy ...
• Florida Insurance Code Section 626.99181; Viatical settlement broker's compensation.
  A viatical settlement broker shall disclose to a prospective viator the amount and method of calculating the broker's compensation. The term "compensation" includes anything ...
• Florida Insurance Code Section 626.9919; Notice of change of licensee or registrant's address or name.
  Each viatical settlement provider licensee and registered life expectancy provider must provide the office at least 30 days' advance notice of any change in the ...
• Florida Insurance Code Section 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 person to perform the functions of a viatical settlement broker as defined in this act ...
• Florida Insurance Code Section 626.9921; Filing of forms; required procedures; approval.
  (1) A viatical settlement contract form, escrow form, or related form may be used in this state only after the form has been filed with ...
• Florida Insurance Code Section 626.9922; Examination.
  (1) The office or department may examine the business and affairs of any of its respective licensees or applicants for a license. The office or ...
• Florida Insurance Code Section 626.9923; Viatical settlement contracts; required disclosures.
  The viatical settlement broker, or the viatical settlement provider in transactions in which no broker is used, must inform the viator by the date of ...
• Florida Insurance Code Section 626.9924; Viatical settlement contracts; procedures; rescission.
  (1) A viatical settlement provider entering into a viatical settlement contract with any viator must first obtain a witnessed document in which the viator consents ...
• Florida Insurance Code Section 626.99245; Conflict of regulation of viaticals.
  (1) A viatical settlement provider who from this state enters into a viatical settlement contract with a viator who is a resident of another state ...
• Florida Insurance Code Section 626.9925; Rules.
  The commission may adopt rules to administer this act, including rules establishing standards for evaluating advertising by licensees; rules providing for the collection of data, ...
• Florida Insurance Code Section 626.9926; Rate regulation not authorized.
  Nothing in this act shall be construed to authorize the office or department to directly or indirectly regulate the amount paid as consideration for entry ...
• Florida Insurance Code Section 626.9927; Unfair trade practices; cease and desist; injunctions; civil remedy.
  (1) A violation of this act is an unfair trade practice under ss. 626.9521 and 626.9541 and is subject to the penalties provided ...
• Florida Insurance Code Section 626.99272; Cease and desist orders and fines.
  (1) The office or department as appropriate may issue a cease and desist order upon a person that violates any provision of this part, any ...
• Florida Insurance Code Section 626.99275; Prohibited practices; penalties.
  (1) It is unlawful for any person: (a) To knowingly enter into, broker, or otherwise deal in a viatical settlement contract the subject of which ...
• Florida Insurance Code Section 626.99278; Viatical provider anti-fraud plan.
  Every licensed viatical settlement provider and registered life expectancy provider must adopt an anti-fraud plan and file it with the Division of Insurance Fraud ...
• Florida Insurance Code Section 626.9928; Acquisitions.
  Acquisition of interest in a viatical settlement provider is subject to s. 628....
• Florida Insurance Code Section 626.99285; Applicability of insurance code.
  In addition to other applicable provisions cited in the insurance code, the office or department, as appropriate, has the authority granted under ss. 624.310, ...
• Florida Insurance Code Section 626.99287; Contestability of viaticated policies.
  Except as hereinafter provided, if a viatical settlement contract is entered into within the 2-year period commencing with the date of issuance of the ...
• Florida Insurance Code Section 626.99295; Grace period.
  Any person who, on July 1, 2005, is effectuating a viatical settlement purchase agreement made before July 1, 2005, under provisions of law in effect ...
• Florida Insurance Code Section 626.99296; Transfers of structured settlement payment rights.
  (1) PURPOSE.--The purpose of this section is to protect recipients of structured settlements who are involved in the process of transferring structured settlement payment ...
• Florida Insurance Code Section 627.011; Short title.
  This part of this chapter may be referred to as the "Rating ...
• Florida Insurance Code Section 627.021; Scope of this part.
  (1) This part of this chapter applies only to property, casualty, and surety insurances on subjects of insurance resident, located, or to be performed in ...
• Florida Insurance Code Section 627.031; Purposes of this part; interpretation.
  (1) The purposes of this part are: (a) To promote the public welfare by regulating insurance rates as herein provided to the end that they ...
• Florida Insurance Code Section 627.041; Definitions.
  As used in this part: (1) "Rate" means the unit charge by which the measure of exposure or the amount of insurance specified in a ...
• Florida Insurance Code Section 627.0612; Administrative proceedings in rating determinations.
  In any proceeding to determine whether rates, rating plans, or other matters governed by this part comply with the law, the appellate court shall set ...
• Florida Insurance Code Section 627.0613; Consumer advocate.
  The Chief Financial Officer must appoint a consumer advocate who must represent the general public of the state before the department and the office. The ...
• Florida Insurance Code Section 627.062; Rate standards.
  (1) The rates for all classes of insurance to which the provisions of this part are applicable shall not be excessive, inadequate, or unfairly discriminatory. (...
• Florida Insurance Code Section 627.0625; Commercial property and casualty risk management plans.
  (1) For the purposes of this section, the term: (a) "Commercial property insurance" means insurance as defined in s. 624.604, but limited to coverage ...
• Florida Insurance Code Section 627.0628; Florida Commission on Hurricane Loss Projection Methodology; public records exemption; public meetings exemption.
  (1) LEGISLATIVE FINDINGS AND INTENT.-- (a) Reliable projections of hurricane losses are necessary in order to assure that rates for residential property insurance meet the ...
• Florida Insurance Code Section 627.06281; Public hurricane loss projection model; reporting of data by insurers.
  (1) Within 30 days after a written request for loss data and associated exposure data by the office or a type I center within the ...
• Florida Insurance Code Section 627.0629; Residential property insurance; rate filings.
  (1) Effective June 1, 2002, a rate filing for residential property insurance must include actuarially reasonable discounts, credits, or other rate differentials, or appropriate reductions ...
• Florida Insurance Code Section 627.06292; Reports of hurricane loss data and associated exposure data; public records exemption.
  (1) Reports of hurricane loss data and associated exposure data that are specific to a particular insurance company, as reported by an insurer or a ...
• Florida Insurance Code Section 627.0645; Annual filings.
  (1) Each rating organization filing rates for, and each insurer writing, any line of property or casualty insurance to which this part applies, except: (a) ...
• Florida Insurance Code Section 627.06501; Insurance discounts for certain persons completing driver improvement course.
  (1) Any rate, rating schedule, or rating manual for the liability, personal injury protection, and collision coverages of a motor vehicle insurance policy filed with ...
• Florida Insurance Code Section 627.0651; Making and use of rates for motor vehicle insurance.
  (1) Insurers shall establish and use rates, rating schedules, or rating manuals to allow the insurer a reasonable rate of return on motor vehicle insurance ...
• Florida Insurance Code Section 627.0652; Insurance discounts for certain persons completing safety course.
  (1) Any rates, rating schedules, or rating manuals for the liability, personal injury protection, and collision coverages of a motor vehicle insurance policy filed with ...
• Florida Insurance Code Section 627.0653; Insurance discounts for specified motor vehicle equipment.
  (1) Any rates, rating schedules, or rating manuals for the liability, personal injury protection, and collision coverages of a motor vehicle insurance policy filed with ...
• Florida Insurance Code Section 627.06535; Electric vehicles; restrictions on imposing surcharges.
  An insurer may not impose a surcharge on the premium for motor vehicle insurance written on an electric vehicle, as defined in s. 320.01, ...
• Florida Insurance Code Section 627.0654; Insurance discounts for buildings with fire sprinklers.
  (1) Any rates, rating schedules, or rating manuals for a new or renewal fire insurance policy for an existing or newly constructed building, whether used ...
• Florida Insurance Code Section 627.066; Excessive profits for motor vehicle insurance prohibited.
  (1) As used herein: (a) "Private passenger automobile business" means that insurance business that is written on a family automobile policy, standard automobile policy, or ...
• Florida Insurance Code Section 627.0665; Automatic bank withdrawal agreements; notification required.
  Any insurer licensed to issue insurance in the state who has an automatic bank withdrawal agreement with an insured party for the payment of insurance ...
• Florida Insurance Code Section 627.072; Making and use of rates.
  (1) As to workers' compensation and employer's liability insurance, the following factors shall be used in the determination and fixing of rates: (a) The ...
• Florida Insurance Code Section 627.091; Rate filings; workers' compensation and employer's liability insurances.
  (1) As to workers' compensation and employer's liability insurances, every insurer shall file with the office every manual of classifications, rules, and rates, every ...
• Florida Insurance Code Section 627.0915; Rate filings; workers' compensation, drug-free workplace, and safe employers.
  (1) The office shall approve rating plans for workers' compensation and employer's liability insurance that give specific identifiable consideration in the setting of rates ...
• Florida Insurance Code Section 627.0916; Agricultural horse farms.
  Notwithstanding any other provision of this chapter to the contrary, any rates, rating schedules, or rating manuals for workers' compensation and employer's liability insurance ...
• Florida Insurance Code Section 627.092; Workers' Compensation Administrator.
  There is created within the office the position of Workers' Compensation Administrator to monitor carrier practices in the field of workers' ...
• Florida Insurance Code Section 627.093; Application of s. 286.011 to workers' compensation and employer's liability insurances.
  Section 286.011 shall be applicable to every rate filing, approval or disapproval of filing, rating deviation from filing, or appeal from any of these ...
• Florida Insurance Code Section 627.096; Workers' Compensation Rating Bureau.
  (1) There is created within the office a Workers' Compensation Rating Bureau, which shall make an investigation and study of all insurers authorized to issue ...
• Florida Insurance Code Section 627.101; When filing becomes effective; workers' compensation and employer's liability insurances.
  (1) The office shall review filings as to workers' compensation and employer's liability insurances as soon as reasonably possible after they have been made ...
• Florida Insurance Code Section 627.111; Effective date of filing.
  (1) If, pursuant to s. 627.101(2), the office determines to hold a public hearing as to a filing, or it holds such a ...
• Florida Insurance Code Section 627.141; Subsequent disapproval of filing; workers' compensation and employer's liability insurances.
  If at any time after a filing has been approved by it or has otherwise become effective the office finds that the filing no longer ...
• Florida Insurance Code Section 627.151; Basis of approval or disapproval of workers' compensation or employer's liability insurance filing; scope of disapproval power.
  (1) In determining at any time whether to approve or disapprove a filing as to workers' compensation or employer's liability insurance, or to permit ...
• Florida Insurance Code Section 627.1615; Workers' compensation applicant discrimination.
  Insurers shall not refuse to provide workers' compensation coverage on the basis of the applicant's premium ...
• Florida Insurance Code Section 627.162; Requirements for premium installments; delinquency, collection, and check return charges; attorney's fees.
  (1) Insurers providing workers' compensation coverage under chapter 440 shall provide, upon request of the employer, policies providing for the payment of premiums by installment ...
• Florida Insurance Code Section 627.171; Excess rates.
  (1) With written consent of the insured signed prior to the policy inception date and filed with the insurer, the insurer may use a rate ...
• Florida Insurance Code Section 627.191; Adherence to filings; workers' compensation and employer's liability insurances.
  No insurer or employee thereof, and no agent, shall make or issue a contract or policy of workers' compensation or employer's liability insurance except ...
• Florida Insurance Code Section 627.192; Workers' compensation insurance; employee leasing arrangements.
  (1) The purpose of this section is to ensure that an employer who leases some or all of its workers properly obtains workers' compensation insurance ...
• Florida Insurance Code Section 627.211; Deviations; workers' compensation and employer's liability insurances.
  (1) Every member or subscriber to a rating organization shall, as to workers' compensation or employer's liability insurance, adhere to the filings made on ...
• Florida Insurance Code Section 627.212; Workplace safety program surcharge.
  The office shall approve a rating plan for workers' compensation coverage insurance that provides for carriers voluntarily to impose a surcharge of no more than ...
• Florida Insurance Code Section 627.215; Excessive profits for workers' compensation, employer's liability, commercial property, and commercial casualty insurance prohibited.
  (1)(a) Each insurer group writing workers' compensation and employer's liability insurance as defined in s. 624.605(1)(c), commercial property insurance as ...
• Florida Insurance Code Section 627.221; Rating organizations; licensing; fee.
  (1) A person, whether located within or outside this state, may make application to the office for a license as a rating organization. As to ...
• Florida Insurance Code Section 627.231; Subscribers to rating organizations.
  (1) Subject to rules and regulations which have been approved by the office as reasonable, each rating organization shall permit any insurer, not a member, ...
• Florida Insurance Code Section 627.241; Notice of changes.
  Every rating organization shall notify the office promptly of every change in: (1) Its constitution, its articles of agreement or association, or its certificate of ...
• Florida Insurance Code Section 627.251; Bureau rules not to affect dividends.
  No rating organization shall adopt any rule the effect of which would be to prohibit or regulate the payment of dividends, savings, or unabsorbed premium ...
• Florida Insurance Code Section 627.261; Actuarial and technical services.
  Any rating organization may subscribe for or purchase actuarial, technical, or other services; and such services shall be available to all members and subscribers without ...
• Florida Insurance Code Section 627.281; Appeal from rating organization; workers' compensation and employer's liability insurance filings.
  (1) Any member or subscriber to a rating organization may appeal to the office from the action or decision of such rating organization in approving ...
• Florida Insurance Code Section 627.285; Independent actuarial peer review of workers' compensation rating organization.
  The Financial Services Commission shall at least once every other year contract for an independent actuarial peer review and analysis of the ratemaking processes of ...
• Florida Insurance Code Section 627.291; Information to be furnished insureds; appeal by insureds; workers' compensation and employer's liability insurances.
  (1) As to workers' compensation and employer's liability insurances, every rating organization and every insurer which makes its own rates shall, within a reasonable ...
• Florida Insurance Code Section 627.301; Advisory organizations.
  (1) No advisory organization shall conduct its operations in this state unless and until it has filed with the office: (a) A copy of its ...
• Florida Insurance Code Section 627.311; Joint underwriters and joint reinsurers; public records and public meetings exemptions.
  (1) Every group, association, or other organization of insurers which engages in joint underwritings or joint reinsurance shall be subject to regulation with respect thereto ...
• Florida Insurance Code Section 627.312; Transitional provisions.
  Effective upon this act becoming a law: (1) Notwithstanding s. 627.311(5), no policy in subplan "D" of the Florida Workers' Compensation Joint Underwriting ...
• Florida Insurance Code Section 627.313; Workers' Compensation Joint Underwriting Plan; audit requirements.
  The Workers' Compensation Joint Underwriting Association is subject to the Florida Single Audit Act, as provided in s. 215.97, if the association expends a ...
• Florida Insurance Code Section 627.314; Concerted action by two or more insurers.
  (1) Subject to and in compliance with the provisions of this part authorizing insurers to be members or subscribers of rating or advisory organizations or ...
• Florida Insurance Code Section 627.318; Records.
  Every insurer, rating organization, and advisory organization and every group, association, or other organization of insurers which engages in joint underwriting or joint reinsurance shall ...
• Florida Insurance Code Section 627.331; Recording and reporting of loss, expense, and claims experience; rating information.
  (1) The commission may promulgate rules and statistical plans which shall thereafter be used by each insurer in the recording and reporting of its loss, ...
• Florida Insurance Code Section 627.351; Insurance risk apportionment plans.
  (1) MOTOR VEHICLE INSURANCE RISK APPORTIONMENT.--Agreements may be made among casualty and surety insurers with respect to the equitable apportionment among them of insurance ...
• Florida Insurance Code Section 627.3511; Depopulation of Citizens Property Insurance Corporation.
  (1) LEGISLATIVE INTENT.--The Legislature finds that the public policy of this state requires the maintenance of a residual market for residential property insurance. It ...
• Florida Insurance Code Section 627.3512; Recoupment of residual market deficit assessments.
  (1) An insurer or insurer group may recoup any assessments that have been paid during or after 1995 by the insurer or insurer group to ...
• Florida Insurance Code Section 627.3513; Standards for sale of bonds by Citizens Property Insurance Corporation.
  (1)(a) The purpose of this section is to provide standards for the sale of bonds pursuant to s. 627.351(2) and (6). (b) ...
• Florida Insurance Code Section 627.3515; Market assistance plan; property and casualty risks.
  (1) The office shall adopt a market assistance plan to assist in the placement of risks of applicants who are unable to procure property insurance ...
• Florida Insurance Code Section 627.3517; Consumer choice.
  (1) Except as provided in subsection (2), no provision of s. 627.351, s. 627.3511, or s. 627.3515 shall be construed to impair ...
• Florida Insurance Code Section 627.3519; Annual report of aggregate net probable maximum losses, financing options, and potential assessments.
  No later than February 1 of each year, the Financial Services Commission shall provide to the Legislature a report of the aggregate net probable maximum ...
• Florida Insurance Code Section 627.357; Medical malpractice self-insurance.
  (1) DEFINITIONS.--As used in this section, the term: (a) "Fund" means a group or association of health care providers authorized to self-insure. (b) "...
• Florida Insurance Code Section 627.361; False or misleading information.
  No person shall willfully withhold information from or knowingly give false or misleading information to the office, any statistical agency designated by the office, any ...
• Florida Insurance Code Section 627.371; Hearings.
  (1) Any person aggrieved by any rate charged, rating plan, rating system, or underwriting rule followed or adopted by an insurer, and any person aggrieved ...
• Florida Insurance Code Section 627.381; Penalty for violation.
  (1) The office may, if it finds that any person or organization has violated any provision of this part, impose an administrative fine pursuant to ...
• Florida Insurance Code Section 627.401; Scope of this part.
  No provision of this part of this chapter applies to: (1) Reinsurance. (2) Policies or contracts not issued for delivery in this state nor delivered ...
• Florida Insurance Code Section 627.402; Definitions; specified certificates not included.
  As used in this part, the term: (1) "Policy" means a written contract of insurance or written agreement for or effecting insurance, or the certificate ...
• Florida Insurance Code Section 627.4025; Residential coverage and hurricane coverage defined.
  (1) Residential coverage includes both personal lines residential coverage, which consists of the type of coverage provided by homeowner's, mobile home owner's, dwelling, ...
• Florida Insurance Code Section 627.403; "Premium" defined.
  "Premium" is the consideration for insurance, by whatever name called. Any "assessment," or any "membership," "policy," "survey," "inspection," "service" or similar fee or charge in ...
• Florida Insurance Code Section 627.4035; Cash payment of premiums; claims.
  (1) The premiums for insurance contracts issued in this state or covering risk located in this state shall be paid in cash consisting of coins, ...
• Florida Insurance Code Section 627.404; Insurable interest; personal insurance.
  (1) An insurer shall be entitled to rely upon all statements, declarations, and representations made by an applicant for insurance relative to the insurable interest ...
• Florida Insurance Code Section 627.405; Insurable interest; property.
  (1) No contract of insurance of property or of any interest in property or arising from property shall be enforceable as to the insurance except ...
• Florida Insurance Code Section 627.406; Power to contract; purchase of insurance by or for minor.
  (1) Any person of competent legal capacity may contract for insurance. (2) Any minor of the age of 15 years or more, as determined by ...
• Florida Insurance Code Section 627.407; Alteration of application.
  No alteration of any written application for any life or health insurance policy shall be made by any person other than the applicant without his ...
• Florida Insurance Code Section 627.408; Application as evidence.
  (1) An application for the issuance of any life or health insurance policy or annuity contract is not admissible in evidence in an action relative ...
• Florida Insurance Code Section 627.4085; Insurer name, agent name, and license identification number required on application.
  (1) All applications for an insurance policy or annuity contract shall prominently display the name of the insuring entity on the first page of the ...
• Florida Insurance Code Section 627.409; Representations in applications; warranties.
  (1) Any statement or description made by or on behalf of an insured or annuitant in an application for an insurance policy or annuity contract, ...
• Florida Insurance Code Section 627.4091; Specific reasons for denial, cancellation, or nonrenewal.
  (1) The denial of an application for an insurance policy must be accompanied by the specific reasons for denial, including the specific underwriting reasons, if ...
• Florida Insurance Code Section 627.40951; Standard personal lines residential insurance policy.
  (1) The Legislature finds that many consumers who filed property loss claims as a result of the hurricanes that struck this state in 2004 were ...
• Florida Insurance Code Section 627.410; Filing, approval of forms.
  (1) No basic insurance policy or annuity contract form, or application form where written application is required and is to be made a part of ...
• Florida Insurance Code Section 627.4101; Credit insurance enrollment forms.
  All credit insurance enrollment forms must be approved by the office pursuant to the provisions of s. 627.410 or s. 627....
• Florida Insurance Code Section 627.4105; Life and health insurance; reduced premiums upon rigorous physical examination.
  Upon request, the office may approve special life and health insurance policy forms providing for reduced premiums for each applicant passing a rigorous physical ...
• Florida Insurance Code Section 627.4107; Government employees exposed to toxic drug chemicals; cancellation of life or health policy or certificate prohibited.
  No life or health insurer may cancel or nonrenew a life or health insurance policy or certificate of insurance providing coverage to a state or ...
• Florida Insurance Code Section 627.411; Grounds for disapproval.
  (1) The office shall disapprove any form filed under s. 627.410, or withdraw any previous approval thereof, only if the form: (a) Is in ...
• Florida Insurance Code Section 627.412; Standard provisions, in general.
  (1) Insurance contracts shall contain such standard or uniform provisions as are required by the applicable provisions of this code pertaining to contracts of particular ...
• Florida Insurance Code Section 627.413; Contents of policies, in general; identification.
  (1) Every policy shall specify: (a) The names of the parties to the contract. (b) The subject of the insurance. (c) The risks insured against. (...
• Florida Insurance Code Section 627.4131; Telephone number required.
  Each insurer issuing a policy subject to this part, or issuing a policy of title insurance, credit life insurance, or credit disability insurance in this ...
• Florida Insurance Code Section 627.4132; Stacking of coverages prohibited.
  If an insured or named insured is protected by any type of motor vehicle insurance policy for liability, personal injury protection, or other coverage, the ...
• Florida Insurance Code Section 627.4133; Notice of cancellation, nonrenewal, or renewal premium.
  (1) Except as provided in subsection (2): (a) An insurer issuing a policy providing coverage for workers' compensation and employer's liability insurance, property, casualty, ...
• Florida Insurance Code Section 627.4135; Casualty insurance contracts subject to general provisions for insurance contracts.
  All contracts of casualty insurance covering subjects resident, located, or to be performed in this state shall be subject to the applicable provisions of this ...
• Florida Insurance Code Section 627.4136; Nonjoinder of insurers.
  (1) It shall be a condition precedent to the accrual or maintenance of a cause of action against a liability insurer by a person not ...
• Florida Insurance Code Section 627.4137; Disclosure of certain information required.
  (1) Each insurer which does or may provide liability insurance coverage to pay all or a portion of any claim which might be made shall ...
• Florida Insurance Code Section 627.414; Additional policy contents.
  A policy may contain additional provisions not inconsistent with this code and which are: (1) Required to be inserted by the laws of the insurer'...
• Florida Insurance Code Section 627.4143; Outline of coverage.
  (1) No private passenger automobile or basic homeowner's policy shall be delivered or issued for delivery in this state unless an appropriate outline of ...
• Florida Insurance Code Section 627.4145; Readable language in insurance policies.
  (1) Every policy shall be readable as required by this section. For the purposes of this section, the term "policy" means a policy form or ...
• Florida Insurance Code Section 627.4147; Medical malpractice insurance contracts.
  (1) In addition to any other requirements imposed by law, each self-insurance policy as authorized under s. 627.357 or s. 624.462 or ...
• Florida Insurance Code Section 627.4148; Medical malpractice insurers; required offer of coverage limits.
  An insurer issuing policies of professional liability coverage for claims arising out of the rendering of, or the failure to render, medical care or services ...
• Florida Insurance Code Section 627.41495; Public notice of medical malpractice rate filings.
  (1) Upon the filing of a proposed rate change by a medical malpractice insurer or self-insurance fund, which filing would result in an average ...
• Florida Insurance Code Section 627.415; Charter, bylaw provisions.
  No policy shall contain any provision purporting to make any portion of the charter, bylaws, or other constituent document of the insurer (other than the ...
• Florida Insurance Code Section 627.416; Execution of policies.
  (1) Every insurance policy shall be executed in the name of and on behalf of the insurer by its officer, attorney in fact, employee, or ...
• Florida Insurance Code Section 627.417; Underwriters' and combination policies.
  (1) Two or more authorized insurers may jointly issue, and shall be jointly and severally liable on, an underwriters' policy bearing their names. Any one ...
• Florida Insurance Code Section 627.418; Validity of noncomplying contracts.
  (1) Any insurance policy, rider, or endorsement otherwise valid which contains any condition or provision not in compliance with the requirements of this code shall ...
• Florida Insurance Code Section 627.419; Construction of policies.
  (1) Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy and as amplified, ...
• Florida Insurance Code Section 627.4195; Health insurance; claims for payment of psychotherapeutic services; confidentiality.
  An insurer must maintain strict confidentiality against unauthorized or inadvertent disclosure of confidential information to persons inside or outside the insurer's organization regarding claims ...
• Florida Insurance Code Section 627.420; Binders.
  Binders or other contracts for temporary property, marine, casualty, or surety insurance may be made orally or in writing, and shall be deemed to include ...
• Florida Insurance Code Section 627.4205; Coverage identification number required.
  An insurer shall provide to the named insured a coverage identification number no later than the time insurance coverage under a policy, binder, or other ...
• Florida Insurance Code Section 627.421; Delivery of policy.
  (1) Subject to the insurer's requirement as to payment of premium, every policy shall be mailed or delivered to the insured or to the ...
• Florida Insurance Code Section 627.422; Assignment of policies.
  A policy may be assignable, or not assignable, as provided by its terms. Subject to its terms relating to assignability, any life or health insurance ...
• Florida Insurance Code Section 627.423; Payment discharges insurer.
  Whenever the proceeds of or payments under a life or health insurance policy or annuity contract become payable in accordance with the terms of such ...
• Florida Insurance Code Section 627.4232; Health insurance out-of-hospital benefits.
  No health insurance policy which provides coverage on a medical, hospital, or surgical expense-incurred basis shall be delivered or issued for delivery in this ...
• Florida Insurance Code Section 627.4233; Total disability defined.
  (1) If an individual or group policy of disability income insurance provides for the waiver of premiums or payment of claims upon total disability: (a) ...
• Florida Insurance Code Section 627.4234; Health insurance cost containment provisions required.
  A health insurance policy or health care services plan which provides medical, hospital, or surgical expense coverage delivered or issued for delivery in this state ...
• Florida Insurance Code Section 627.4235; Coordination of benefits.
  (1) A group hospital, medical, or surgical expense policy, group health care services plan, or group-type self-insurance plan that provides protection or insurance ...
• Florida Insurance Code Section 627.4236; Coverage for bone marrow transplant procedures.
  (1) As used in this section, the term "bone marrow transplant" means human blood precursor cells administered to a patient to restore normal hematological and ...
• Florida Insurance Code Section 627.4237; Sickness disability or disability due to sickness.
  Notwithstanding any provision of law to the contrary, the term "sickness disability" or "disability due to sickness," as used in individual or group disability insurance ...
• Florida Insurance Code Section 627.4238; Health insurer examinations.
  The office may examine each authorized health insurer which transacts health insurance in this state. The purpose of the examination is to ascertain compliance by ...
• Florida Insurance Code Section 627.4239; Coverage for use of drugs in treatment of cancer.
  (1) DEFINITIONS.--As used in this section, the term: (a) "Medical literature" means scientific studies published in a United States peer-reviewed national professional journal. (...
• Florida Insurance Code Section 627.42395; Coverage for certain prescription and nonprescription enteral formulas.
  Notwithstanding any other provision of law, any health insurance policy delivered or issued for delivery, to any person in this state or any group, blanket, ...
• Florida Insurance Code Section 627.424; Minor may give acquittance.
  (1) Any minor domiciled in this state who has attained the age of 16 years shall be deemed competent to receive and to give full ...
• Florida Insurance Code Section 627.425; Forms for proof of loss to be furnished.
  An insurer shall furnish, upon written request of any person claiming to have a loss under an insurance contract issued by such insurer, forms of ...
• Florida Insurance Code Section 627.426; Claims administration.
  (1) Without limitation of any right or defense of an insurer otherwise, none of the following acts by or on behalf of an insurer shall ...
• Florida Insurance Code Section 627.4261; Insurer's duty to acknowledge communications regarding claims; investigation.
  (1)(a) Upon an insurer's receiving a communication with respect to a claim, the insurer shall, within 14 calendar days, review and acknowledge receipt ...
• Florida Insurance Code Section 627.4265; Payment of settlement.
  In any case in which a person and an insurer have agreed in writing to the settlement of a claim, the insurer shall tender payment ...
• Florida Insurance Code Section 627.427; Payment of judgment by insurer; penalty for failure.
  (1) Every judgment or decree for the recovery of money entered in any of the courts of this state against any authorized insurer shall be ...
• Florida Insurance Code Section 627.428; Attorney's fee.
  (1) Upon the rendition of a judgment or decree by any of the courts of this state against an insurer and in favor of any ...
• Florida Insurance Code Section 627.429; Medical tests for HIV infection and AIDS for insurance purposes.
  (1) PURPOSE.--The purpose of this section is to prohibit unfair practices in the underwriting of insurance with respect to exposure to the human immunodeficiency ...
• Florida Insurance Code Section 627.4295; Dental procedures; anesthesia and hospitalization coverage.
  For purposes of this section, dental treatment or surgery shall be considered necessary when the dental condition is likely to result in a medical condition ...
• Florida Insurance Code Section 627.4301; Genetic information for insurance purposes.
  (1) DEFINITIONS.--As used in this section, the term: (a) "Genetic information" means information derived from genetic testing to determine the presence or absence of ...
• Florida Insurance Code Section 627.4302; Identification cards for processing prescription drug claims.
  (1) The purpose of this section is to improve patient care by minimizing confusion, eliminating unnecessary work, decreasing patient wait time, and improving business efficiencies. (...
• Florida Insurance Code Section 627.441; Commercial general liability policies; coverage to contractors for completed operations.
  (1) As used in this section, the term: (a) "Contractor" means a contractor or subcontractor performing work on a public construction project under contract with ...
• Florida Insurance Code Section 627.451; Scope of this part.
  This part applies to life insurance and annuity contracts, other than reinsurance, group life insurance, group annuities, and industrial life insurance; except that ss. 627....
• Florida Insurance Code Section 627.452; Standard provisions required.
  (1) No policy of life insurance, except as stated in subsection (3), shall be delivered or issued for delivery in this state unless it contains ...
• Florida Insurance Code Section 627.453; Grace period.
  Every insurance contract shall provide that the insured is entitled to a grace period of not less than 30 days within which payment of any ...
• Florida Insurance Code Section 627.454; Entire contract; statements in application.
  Every insurance contract shall provide that the policy, or the policy and the application therefor if a copy of such application is endorsed upon or ...
• Florida Insurance Code Section 627.455; Incontestability.
  Every insurance contract shall provide that the policy shall be incontestable after it has been in force during the lifetime of the insured for a ...
• Florida Insurance Code Section 627.4554; Annuity investments by seniors.
  (1) PURPOSE; CONSTRUCTION.-- (a) The purpose of this section is to set forth standards and procedures for recommendations to senior consumers which result in a ...
• Florida Insurance Code Section 627.4555; Secondary notice.
  Except as provided in this section, a contract for life insurance issued or issued for delivery in this state on or after October 1, 1997, ...
• Florida Insurance Code Section 627.4556; Life insurance automatic policy loan provision.
  If an application for an individual life insurance policy provides an option to the applicant for an automatic policy loan against the cash value of ...
• Florida Insurance Code Section 627.456; Misstatement of age or sex.
  Every insurance contract shall provide that if it is found that the age or sex of the insured, or of any other individual considered in ...
• Florida Insurance Code Section 627.457; Dividends.
  (1) Every participating policy shall provide that, beginning not later than the end of the third policy year, the insurer shall annually ascertain and apportion ...
• Florida Insurance Code Section 627.458; Policy loan.
  (1) There shall be a provision that after the policy has a cash surrender value and while no premium is in default, the insurer will ...
• Florida Insurance Code Section 627.4585; Maximum rate of interest on policy loans.
  (1) For the purposes of this section, the "published monthly average" means the value of the interest rate index, as defined in s. 625.121(...
• Florida Insurance Code Section 627.459; Reinstatement.
  Every contract shall provide that the policy may be reinstated upon written application therefor at any time within 3 years after the date of default ...
• Florida Insurance Code Section 627.460; Authority to alter contract.
  Every contract shall provide, at the option of the insurer, that no agent shall have the power or authority to waive, change, or alter any ...
• Florida Insurance Code Section 627.461; Settlement on proof of death.
  Every contract shall provide that, when a policy becomes a claim by the death of the insured, settlement shall be made upon receipt of due ...
• Florida Insurance Code Section 627.4615; Interest payable on death claim payments.
  When a policy provides for payment of its proceeds in a lump sum upon the death of the insured, the payment must include interest, at ...
• Florida Insurance Code Section 627.462; Table of installments.
  If a policy provides for payment of its proceeds in installments, a table showing the amount and period of such installments shall be included in ...
• Florida Insurance Code Section 627.463; Excluded or restricted coverage.
  A clause in any policy of life insurance providing that such policy shall be incontestable after a specified period shall preclude only a contest of ...
• Florida Insurance Code Section 627.464; Annuity contracts, pure endowment contracts; standard provisions.
  (1) No fixed-dollar annuity, variable annuity, or pure endowment contract, other than a reversionary annuity, survivorship annuity, or group annuity, shall be delivered or ...
• Florida Insurance Code Section 627.465; Annuity contracts, pure endowment contracts; grace period.
  In a fixed-dollar annuity, variable annuity, or pure endowment contract, other than a reversionary, survivorship, or group annuity, the contract shall provide that there ...
• Florida Insurance Code Section 627.466; Annuity contracts, pure endowment contracts; incontestability.
  If any statements, other than those relating to age, sex, and identity, are required as a condition to issuing a fixed-dollar annuity contract, variable ...
• Florida Insurance Code Section 627.467; Annuity contracts, pure endowment contracts; entire contract.
  In a fixed-dollar annuity contract, variable annuity contract, or pure endowment contract, other than a reversionary, survivorship, or group annuity, the contract shall provide ...
• Florida Insurance Code Section 627.468; Annuity contracts, pure endowment contracts; misstatement of age or sex.
  In a fixed-dollar annuity contract, variable annuity contract, or pure endowment contract, other than a reversionary, survivorship, or group annuity, the contract shall provide ...
• Florida Insurance Code Section 627.469; Annuity contracts, pure endowment contracts; dividends.
  If a fixed-dollar annuity contract, variable annuity contract, or pure endowment contract is participating, the contract shall contain a provision that, beginning not later ...
• Florida Insurance Code Section 627.470; Annuity contracts, pure endowment contracts; reinstatement.
  In a fixed-dollar annuity contract, variable annuity contract, or pure endowment contract, other than a reversionary, survivorship, or group annuity, the contract shall provide ...
• Florida Insurance Code Section 627.471; Reversionary annuities; standard provisions.
  (1) Except as stated in this section, no contract for a reversionary annuity shall be delivered or issued for delivery in this state unless it ...
• Florida Insurance Code Section 627.472; Incontestability after reinstatement.
  A reinstated policy of life insurance, fixed-dollar annuity contract, or variable annuity contract may be contested on account of fraud or misrepresentation of facts ...
• Florida Insurance Code Section 627.473; Policy settlements.
  Any life insurer shall have the power to hold under agreement the proceeds of any policy issued by it, upon such terms and restrictions as ...
• Florida Insurance Code Section 627.474; Policy must contain entire contract.
  No life insurer or its agent shall make any contract of insurance or agreement as to such contract other than as plainly expressed in the ...
• Florida Insurance Code Section 627.475; Nonforfeiture benefits; certain interim policies.
  Each life insurance policy issued between the effective date of this code and the operative date of s. 627.476 shall provide: (1) That, in ...
• Florida Insurance Code Section 627.476; Standard Nonforfeiture Law for Life Insurance.
  (1) SHORT TITLE.--This section shall be known as the "Standard Nonforfeiture Law for Life Insurance." (2) NONFORFEITURE PROVISIONS.--In the case of policies issued ...
• Florida Insurance Code Section 627.479; Prohibited policy plans.
  (1) No insurer shall issue policies, certificates, or contracts to policyholders or members providing for the grouping of its policyholders or members into groups and ...
• Florida Insurance Code Section 627.480; Cash payments of single-premium life policies.
  Premiums for single-premium life insurance policies shall be paid in cash. This section is not applicable to the use of dividends to purchase paid-...
• Florida Insurance Code Section 627.481; Requirements for certain annuity agreements.
  (1) Any duly organized domestic or foreign nonstock corporation, or any unincorporated charitable trust, if such corporation or trust: (a) Has been in active operation ...
• Florida Insurance Code Section 627.482; Interest payable on cash surrender of policy.
  (1) If an insured requests payment of the cash surrender value of a policy from its insurer, such payment shall include interest at the rate ...
• Florida Insurance Code Section 627.501; Scope of this part.
  The provisions of this part apply only to industrial life insurance policies. Sections 627.463, 627.472, 627.476, and 627.479 also apply to ...
• Florida Insurance Code Section 627.502; "Industrial life insurance" defined; reporting.
  (1) For the purposes of this code, "industrial life insurance" is that form of life insurance written under policies under which premiums are payable monthly ...
• Florida Insurance Code Section 627.503; Required provisions.
  (1) No policy of industrial life insurance shall be delivered or issued for delivery in this state unless it contains in substance each of the ...
• Florida Insurance Code Section 627.504; Grace period.
  The policy shall provide that the insured is entitled to a grace period of 4 weeks within which the payment of any premiums due after ...
• Florida Insurance Code Section 627.5045; Secondary notice.
  Except as provided in this section, a contract for an industrial life insurance policy issued or issued for delivery in this state on or after ...
• Florida Insurance Code Section 627.505; Entire contract; statements in application.
  The policy shall provide that the policy shall constitute the entire contract between the parties or, if a copy of the application is endorsed upon ...
• Florida Insurance Code Section 627.506; Incontestability.
  The policy shall provide that the policy shall be incontestable after it has been in force during the lifetime of the insured for a period ...
• Florida Insurance Code Section 627.507; Misstatement of age or sex.
  The policy shall provide that if it is found that the age or sex of the insured, or of any other individual considered in determining ...
• Florida Insurance Code Section 627.508; Dividends.
  Every participating policy shall provide that the insurer shall annually ascertain and apportion any divisible surplus accruing on the policy. This provision shall not prohibit ...
• Florida Insurance Code Section 627.509; Reinstatement.
  The policy shall provide that the policy may be reinstated at any time within 3 years after the date of default in the payment of ...
• Florida Insurance Code Section 627.510; Settlement on proof of death.
  (1) The policy shall provide that when the policy becomes a claim by the death of the insured, settlement shall be made upon surrender of ...
• Florida Insurance Code Section 627.511; Authority to alter contract.
  The policy shall provide that no agent shall have the power or authority to waive, change, or alter any of the terms or conditions of ...
• Florida Insurance Code Section 627.512; Beneficiary.
  The policy shall provide a space for the name of the beneficiary designated with a reservation of the right to designate or change the beneficiary ...
• Florida Insurance Code Section 627.513; Facility of payment.
  The policy may also provide that if the beneficiary designated in the policy does not make a claim under the policy or does not surrender ...
• Florida Insurance Code Section 627.514; Nonforfeiture benefits; certain interim policies.
  Each industrial life insurance policy delivered or issued for delivery between the effective date of this code and the operative date of s. 627.476 ...
• Florida Insurance Code Section 627.515; Title of industrial life insurance policy.
  There shall be a title on the face of each such policy briefly describing its ...
• Florida Insurance Code Section 627.516; Advance payment of premiums.
  Each insurer shall allow a refund or discount on advance premiums paid for an industrial life insurance policy if such premiums are paid in a ...
• Florida Insurance Code Section 627.517; Conversion.
  Each industrial life insurance policy delivered or issued for delivery on or after January 1, 1981, shall provide that if, upon the sale of any ...
• Florida Insurance Code Section 627.521; Disclosure statements.
  Each industrial life insurance premium receipt book delivered in this state on or after January 1, 1983, shall contain the following disclosure statement: "You are ...
• Florida Insurance Code Section 627.522; Policy requirements and prohibitions.
  (1) An industrial life insurance policy may not exclude or restrict the payment of the face amount by reason of the fact that the death ...
• Florida Insurance Code Section 627.551; Group contracts and plans of self-insurance must meet group requirements.
  (1)(a) A life insurance policy insuring the lives of more than one individual may be delivered or issued for delivery in this state only ...
• Florida Insurance Code Section 627.5515; Out-of-state groups.
  (1) Any group life insurance policy issued or delivered outside this state under which a resident of this state is provided coverage shall comply with ...
• Florida Insurance Code Section 627.552; Employee groups.
  Subject to all of the requirements of this section, the lives of a group of individual employees of an employer may be insured, for the ...
• Florida Insurance Code Section 627.553; Debtor groups.
  The lives of a group of individuals may be insured under a policy issued to a creditor or its parent holding company, or to a ...
• Florida Insurance Code Section 627.554; Labor union groups.
  Subject to all of the requirements of this section, the lives of a group of individual labor union members or labor union members and their ...
• Florida Insurance Code Section 627.555; Trustee groups.
  Subject to all of the requirements of this section, the lives of a group of individual employees of employers or members of labor unions may ...
• Florida Insurance Code Section 627.556; Credit union groups.
  The lives of a group of individual credit union members may be insured under a policy issued to the credit union, which is deemed to ...
• Florida Insurance Code Section 627.5565; Additional groups.
  (1) An insurer may afford coverage under a group policy issued under this subsection if all of the following conditions are satisfied: (a) The issuance ...
• Florida Insurance Code Section 627.5567; Group life insurance; association groups.
  Subject to all of the requirements of this section, the lives of a group of individual members of an association or members and their employees ...
• Florida Insurance Code Section 627.5575; Group life insurance for dependents.
  Except for a policy issued under s. 627.553, a group life insurance policy may be extended to insure the employees or members against loss ...
• Florida Insurance Code Section 627.558; Provisions required in group contracts.
  No policy of group life insurance shall be delivered in this state unless it contains in substance the provisions set forth in ss. 627.559-...
• Florida Insurance Code Section 627.559; Grace period.
  A group life insurance policy shall provide that the policyholder is entitled to a grace period of 31 days for the payment of any premium ...
• Florida Insurance Code Section 627.560; Incontestability.
  A group life insurance policy shall provide that the validity of the policy shall not be contested, except for nonpayment of premium, after it has ...
• Florida Insurance Code Section 627.561; Application; statements deemed representations.
  A group life insurance policy shall provide that a copy of the application, if any, of the policyholder be attached to the policy when issued, ...
• Florida Insurance Code Section 627.562; Insurability.
  A group life insurance policy shall contain a provision setting forth the conditions, if any, under which the insurer reserves the right to require a ...
• Florida Insurance Code Section 627.563; Misstatement of age.
  A group life insurance policy shall contain a provision specifying an equitable adjustment of premiums or of benefits, or of both, to be made in ...
• Florida Insurance Code Section 627.564; Payment of benefits.
  A group life insurance policy shall provide that any sum becoming due by reason of the death of the person insured be payable to the ...
• Florida Insurance Code Section 627.565; Certificate.
  A group life insurance policy shall provide that the insurer will issue to the policyholder for delivery to each person insured an individual certificate containing ...
• Florida Insurance Code Section 627.566; Conversion on termination of eligibility.
  A group life insurance policy shall provide that, if the insurance, or any portion of it, on a person covered under the policy or on ...
• Florida Insurance Code Section 627.567; Conversion on termination of policy.
  A group life insurance policy shall provide that, if the group policy terminates or is amended so as to terminate the insurance of any class ...
• Florida Insurance Code Section 627.568; Death pending conversion.
  A group life insurance policy shall provide that, if a person insured under the policy dies during the period within which she or he would ...
• Florida Insurance Code Section 627.5685; Continuance of coverage during disability.
  When active employment is a condition of group life insurance, the policy shall provide that an insured may continue coverage during the insured's total ...
• Florida Insurance Code Section 627.5686; Waiver of premium for disabled insured.
  A waiver of premium for any insured who is totally disabled for a period of at least 6 months shall be made available to the ...
• Florida Insurance Code Section 627.569; Use of dividends, refunds, rate reductions, commissions, service fees.
  If a dividend, premium refund, rate reduction, commission, or service fee is received by any employer, labor union, or association, under any and all group ...
• Florida Insurance Code Section 627.570; Premium rates.
  A life insurer may issue insurance policies under the provisions of this part at premium rates less than the usual rates or premiums for individual ...
• Florida Insurance Code Section 627.571; Assignment of incidents of ownership in group life insurance policies, including conversion privileges.
  (1) Nothing in this code or in any other law shall be construed to prohibit any person insured under a group life insurance policy from ...
• Florida Insurance Code Section 627.5725; Notification to insureds of cancellation or expiration.
  Every insurer delivering or issuing for delivery a group life insurance policy under the provisions of this part shall notify each certificateholder when the master ...
• Florida Insurance Code Section 627.573; Replacement or termination of group life insurance; liability of prior insurer.
  When an insurance purchaser replaces or terminates an existing group life contract, the prior insurer remains liable only to the extent of its accrued liabilities ...
• Florida Insurance Code Section 627.574; Liability of succeeding insurer on replacement of group policy.
  (1) Each person who is eligible for coverage in accordance with the succeeding insurer's plan of benefits shall be covered by that insurer's ...
• Florida Insurance Code Section 627.575; Extension of benefits.
  (1) Every group life policy which is delivered or issued for delivery in this state or under which benefits are altered, modified, or amended shall ...
• Florida Insurance Code Section 627.601; Scope of this part.
  Nothing in this part applies to or affects: (1) Any policy of liability insurance or workers' compensation insurance, with or without supplementary expense coverage. (2) ...
• Florida Insurance Code Section 627.602; Scope, format of policy.
  (1) Each health insurance policy delivered or issued for delivery to any person in this state must comply with all applicable provisions of this code ...
• Florida Insurance Code Section 627.603; Death benefits.
  Any health insurance policy may contain a provision for paying a benefit for death from any cause in an amount not exceeding $1,000, which ...
• Florida Insurance Code Section 627.604; Nonresident insured.
  If any health insurance policy is issued by an insurer domiciled in this state for delivery to a person residing in another state, and if ...
• Florida Insurance Code Section 627.6041; Handicapped children; continuation of coverage.
  A hospital or medical expense insurance policy or health care services plan contract that is delivered or issued for delivery in this state and that ...
• Florida Insurance Code Section 627.6043; Notification of cancellation, nonrenewal, or change in rates.
  (1) Any insurer delivering or issuing an individual health insurance policy subject to this part shall give the policyholder at least 45 days' advance written ...
• Florida Insurance Code Section 627.6044; Use of a specific methodology for payment of claims.
  (1) Each insurance policy that provides for payment of claims based on a specific methodology, including, but not limited to, usual and customary charges, reasonable ...
• Florida Insurance Code Section 627.6045; Preexisting condition.
  A health insurance policy must comply with the following: (1) A preexisting condition provision may not exclude coverage for a period beyond 24 months following ...
• Florida Insurance Code Section 627.605; Required provisions; captions, omissions, substitutions.
  (1) Except as provided in subsection (2), each such policy delivered or issued for delivery to any person in this state shall contain the provisions ...
• Florida Insurance Code Section 627.6056; Coverage for ambulatory surgical center service.
  No individual health insurance policy providing coverage on an expense-incurred basis or individual service or indemnity-type contract issued by a nonprofit corporation, of ...
• Florida Insurance Code Section 627.606; Entire contract; changes.
  The contract shall include the following provision: "Entire Contract; Changes: This policy, with the application and attached papers, is the entire contract between the insured ...
• Florida Insurance Code Section 627.607; Time limit on certain defenses.
  (1) The contract shall include the following provision: "Time Limit on Certain Defenses: After 2 years from the issue date, only fraudulent misstatements in the ...
• Florida Insurance Code Section 627.608; Grace period.
  (1) If the insurer reserves the right to refuse renewal, the contract shall include the following provision: "Grace Period: This policy has ...
• Florida Insurance Code Section 627.609; Reinstatement.
  (1) The contract shall include the following provision: "Reinstatement: If the renewal premium is not paid before the grace period ends, the policy will lapse. ...
• Florida Insurance Code Section 627.610; Notice of claim.
  (1) The contract shall include the following provision: "Notice of Claim: Written notice of claim must be given within 20 days after a covered loss ...
• Florida Insurance Code Section 627.611; Claim forms.
  The contract shall include the following provision: "Claim Forms: When the insurer receives the notice of claim, it will send the claimant forms for filing ...
• Florida Insurance Code Section 627.612; Proof of loss.
  The contract shall include the following provision: "Proof of Loss: If the policy provides for periodic payment for a continuing loss, written proof of loss ...
• Florida Insurance Code Section 627.613; Time of payment of claims.
  (1) The contract shall include the following provision: "Time of Payment of Claims: After receiving written proof of loss, the insurer will pay monthly all ...
• Florida Insurance Code Section 627.6131; Payment of claims.
  (1) The contract shall include the following provision: "Time of Payment of Claims: After receiving written proof of loss, the insurer will pay monthly all ...
• Florida Insurance Code Section 627.614; Payment of claims.
  (1) The contract shall include the following provision: "Payment of Claims: Benefits will be paid to the insured. Loss-of-life benefits are payable in ...
• Florida Insurance Code Section 627.6141; Denial of claims.
  Each claimant, or provider acting for a claimant, who has had a claim denied as not medically necessary must be provided an opportunity for an ...
• Florida Insurance Code Section 627.615; Physical examination, autopsy.
  The contract shall include the following provision: "Physical Examinations and Autopsy: The insurer at its expense has the right to have the insured examined as ...
• Florida Insurance Code Section 627.616; Legal actions.
  The contract shall include the following provision: "Legal Actions: No legal action may be brought to recover on this policy within 60 days after written ...
• Florida Insurance Code Section 627.617; Change of beneficiary.
  The contract shall include the following provision: "Change of Beneficiary: The insured can change the beneficiary at any time by giving the insurer written notice. ...
• Florida Insurance Code Section 627.618; Optional policy provisions.
  Except as provided in s. 627.605(2), no health insurance policy delivered or issued for delivery to any person in this state shall contain ...
• Florida Insurance Code Section 627.619; Change of occupation.
  There may be a provision as follows: "Change of Occupation: If the insured is injured or contracts sickness after having changed his or her occupation ...
• Florida Insurance Code Section 627.620; Misstatement of age or sex.
  The contract may include the following provision: "Misstatement of Age or Sex: If the age or sex of the insured has been misstated, all amounts ...
• Florida Insurance Code Section 627.621; Other insurance with this insurer.
  The contract may include the following provision: "Other Insurance with This Insurer: If two or more health insurance policies, exclusive of guaranteed-issue policies, are ...
• Florida Insurance Code Section 627.622; Insurance with other insurers.
  (1) The contract may include the following provision: "Insurance with Other Insurers: If there is other valid coverage, not with this insurer, providing benefits for ...
• Florida Insurance Code Section 627.623; Insurance with other insurers; other benefits.
  (1) The contract may include the following provision: "Insurance With Other Insurers: If there is other valid coverage, not with this insurer, providing benefits for ...
• Florida Insurance Code Section 627.624; Relation of earnings to insurance.
  (1) The contract may include the following provision: "Relation of Earnings to Insurance: If the total monthly amount of loss-of-time benefits promised for ...
• Florida Insurance Code Section 627.625; Unpaid premiums.
  The contract may include the following provision: "Unpaid Premium: Upon the payment of a claim under this policy, any premium then due and unpaid or ...
• Florida Insurance Code Section 627.6265; Cancellation or nonrenewal prohibited.
  Notwithstanding any other provision of law to the contrary, no insurer shall cancel or nonrenew the health insurance policy of any insured because of diagnosis ...
• Florida Insurance Code Section 627.627; Conformity with statutes.
  The contract may include the following provision: "Conformity with State Statutes: Any provision of this policy which, on its effective date, is in conflict with ...
• Florida Insurance Code Section 627.628; Illegal occupation.
  The contract may include the following provision: "Illegal Occupation: The insurer will not be liable for any loss which results from the insured committing or ...
• Florida Insurance Code Section 627.629; Intoxicants and narcotics.
  The contract may include the following provision: "Intoxicants and Narcotics: The insurer will not be liable for any loss resulting from the insured being drunk ...
• Florida Insurance Code Section 627.630; Order of certain provisions.
  The provisions which are the subject of ss. 627.606-627.629, inclusive, shall be printed in the consecutive order of the provisions in such ...
• Florida Insurance Code Section 627.631; Third-party ownership.
  The word "insured," as used in this part, shall not be construed as preventing a person other than the insured with a proper insurable interest ...
• Florida Insurance Code Section 627.632; Requirements of other jurisdictions.
  (1) Any policy of a foreign or alien insurer, when delivered or issued for delivery to any person in this state, may contain any provision ...
• Florida Insurance Code Section 627.633; Other policy provisions.
  No policy provision which is not subject to this part shall be less favorable in any respect to the insured or the beneficiary than the ...
• Florida Insurance Code Section 627.634; Age limit.
  If any health insurance policy contains a provision establishing, as an age limit or otherwise, a date after which the coverage provided by the policy ...
• Florida Insurance Code Section 627.635; Excess insurance.
  (1) No provision of this chapter shall be deemed to prohibit an insurer from issuing a health insurance policy as, or including in a policy ...
• Florida Insurance Code Section 627.636; Industrial health insurance.
  Industrial health insurance is that form of individual health insurance for which the premium is payable weekly. No policy of industrial health insurance may be ...
• Florida Insurance Code Section 627.637; Construction of noncomplying contracts.
  If any insurer writes or issues in this state any health insurance contract, as contemplated by this chapter, and the form of such contract is ...
• Florida Insurance Code Section 627.638; Direct payment for hospital, medical services.
  (1) Any health insurance policy insuring against loss or expense due to hospital confinement or to medical and related services may provide for payment of ...
• Florida Insurance Code Section 627.639; Application signed by agent.
  If the application for a health insurance policy is to be made a part of the contract of insurance, the insurer's agent who completed ...
• Florida Insurance Code Section 627.640; Filing of classifications and rates.
  An insurer shall not deliver or issue for delivery in this state any health insurance policy until it has filed with the office a copy ...
• Florida Insurance Code Section 627.6401; Refunds for persons age 64.
  If an insured who has reached his or her 64th birthday but who is not yet 65 years of age pays an annual or semiannual ...
• Florida Insurance Code Section 627.6402; Insurance rebates for healthy lifestyles.
  (1) Any rate, rating schedule, or rating manual for an individual health insurance policy filed with the office may provide for an appropriate rebate of ...
• Florida Insurance Code Section 627.6403; Payment of acupuncture benefits to certified acupuncturists.
  Any policy of individual health insurance that provides coverage for acupuncture shall cover the services of an acupuncturist certified pursuant to chapter 457 under the ...
• Florida Insurance Code Section 627.6405; Decreasing inappropriate utilization of emergency care.
  (1) The Legislature finds and declares it to be of vital importance that emergency services and care be provided by hospitals and physicians to every ...
• Florida Insurance Code Section 627.6406; Maternity care.
  (1) Any policy of health insurance that provides coverage for maternity care must also cover the services of certified nurse-midwives and midwives licensed pursuant ...
• Florida Insurance Code Section 627.6407; Massage.
  Any policy of health insurance that provides coverage for massage shall also cover the services of persons licensed to practice massage pursuant to chapter 480, ...
• Florida Insurance Code Section 627.6408; Diabetes treatment services.
  (1) A health insurance policy or group health insurance policy sold in this state must provide coverage for all medically appropriate and necessary equipment, supplies, ...
• Florida Insurance Code Section 627.6409; Coverage for osteoporosis screening, diagnosis, treatment, and management.
  Any health insurance policy that covers a resident of this state and that is issued, amended, delivered, or renewed in this state after October 1, ...
• Florida Insurance Code Section 627.641; Coverage for newborn children.
  (1) A health insurance policy that provides coverage on an expense-incurred basis for a member of the family of the insured or subscriber shall, ...
• Florida Insurance Code Section 627.6415; Coverage for natural-born, adopted, and foster children; children in insured's custodial care.
  (1) A health insurance policy that provides coverage for a member of the family of the insured shall, as to the family member's coverage, ...
• Florida Insurance Code Section 627.6416; Coverage for child health supervision services.
  (1) All health insurance policies providing coverage on an expense-incurred basis which provide coverage for a member of a family of the insured or ...
• Florida Insurance Code Section 627.6417; Coverage for surgical procedures and devices incident to mastectomy.
  (1) Any health insurance policy that provides coverage for mastectomies must also provide coverage for prosthetic devices and breast reconstructive surgery incident to the mastectomy. ...
• Florida Insurance Code Section 627.64171; Coverage for length of stay and outpatient postsurgical care.
  (1) Any health insurance policy that is issued, amended, delivered, or renewed in this state which provides coverage for breast cancer treatment may not limit ...
• Florida Insurance Code Section 627.64172; Requirements with respect to breast cancer and routine followup care.
  Routine followup care to determine whether a breast cancer has recurred in a person who has been previously determined to be free of breast cancer ...
• Florida Insurance Code Section 627.6418; Coverage for mammograms.
  (1) An accident or health insurance policy issued, amended, delivered, or renewed in this state must provide coverage for at least the following: (a) A ...
• Florida Insurance Code Section 627.6419; Requirements with respect to breast cancer.
  (1) An insurer may not deny the issuance or renewal of, or cancel, a policy of accident insurance or health insurance, nor include any exception ...
• Florida Insurance Code Section 627.64193; Required coverage for cleft lip and cleft palate.
  A health insurance policy that covers a child under the age of 18 must provide coverage for treatment of cleft lip and cleft palate for ...
• Florida Insurance Code Section 627.642; Outline of coverage.
  (1) No individual or family accident and health insurance policy shall be delivered, or issued for delivery, in this state unless: (a) It is accompanied ...
• Florida Insurance Code Section 627.6425; Renewability of individual coverage.
  (1) Except as otherwise provided in this section, an insurer that provides individual health insurance coverage to an individual shall renew or continue in force ...
• Florida Insurance Code Section 627.643; Uniform minimum standards.
  (1) The commission shall adopt rules which establish minimum standards for the general content of forms of individual and family health insurance policies. The rules ...
• Florida Insurance Code Section 627.644; Discrimination against handicapped prohibited.
  No health insurer shall refuse to provide, or shall charge unfairly discriminatory rates for, health insurance coverage for a person solely because the person is ...
• Florida Insurance Code Section 627.645; Denial of health insurance claims restricted.
  (1) No claim for payment under a health insurance policy or self-insured program of health benefits for treatment, care, or services in a licensed ...
• Florida Insurance Code Section 627.646; Conversion on termination of eligibility.
  (1) Every health insurance policy providing hospital or medical expense coverage hereafter delivered or issued for delivery in this state or under which benefits are ...
• Florida Insurance Code Section 627.647; Standard health claim form.
  (1) The commission shall prescribe a standard health claim form to be used by all hospitals and a standard health claim form to be used ...
• Florida Insurance Code Section 627.6471; Contracts for reduced rates of payment; limitations; coinsurance and deductibles.
  (1) As used in this section: (a) "Insurer" means an insurer as defined in s. 624.03 or a multiple-employer welfare arrangement as defined ...
• Florida Insurance Code Section 627.6472; Exclusive provider organizations.
  (1) As used in this section, the term: (a) "Complaint" means any dissatisfaction expressed by a policyholder concerning an insurer or its network providers. (b) "...
• Florida Insurance Code Section 627.64725; Health maintenance organization or exclusive provider organization; disclosure of terms and conditions of plan.
  Each health maintenance organization or exclusive provider organization shall provide prospective enrollees with written information about the terms and conditions of the plan in accordance ...
• Florida Insurance Code Section 627.6473; Combined preferred provider and exclusive provider policies.
  An insurer may issue a policy that provides coverage for certain benefits through a preferred provider network and other benefits through an exclusive provider network. ...
• Florida Insurance Code Section 627.6474; Provider contracts.
  A health insurer shall not require a contracted health care practitioner as defined in s. 456.001(4) to accept the terms of other health ...
• Florida Insurance Code Section 627.6475; Individual reinsurance pool.
  (1) PURPOSE.--The purpose of this section is to provide for the establishment of a reinsurance program for coverage of individuals who are eligible for ...
• Florida Insurance Code Section 627.648; Florida Comprehensive Health Association Act.
  Sections 627.648-627.6498 may be cited and known as the "Florida Comprehensive Health Association ...
• Florida Insurance Code Section 627.6482; Definitions.
  As used in ss. 627.648-627.6498, the term: (1) "Agent" means a person who is licensed to sell health insurance in this state. (...
• Florida Insurance Code Section 627.6484; Termination of enrollment; availability of other coverage.
  (1) The association shall accept applications for insurance only until June 30, 1991, after which date no further applications may be accepted. Upon receipt of ...
• Florida Insurance Code Section 627.6486; Eligibility.
  (1) Except as provided in subsection (2), any resident of this state shall be eligible for coverage under the plan, including: (a) The insured's ...
• Florida Insurance Code Section 627.6487; Guaranteed availability of individual health insurance coverage to eligible individuals.
  (1) Subject to the requirements of this section, each health insurance issuer that offers individual health insurance coverage in this state may not, with respect ...
• Florida Insurance Code Section 627.64871; Certification of coverage.
  (1) Section 627.6561(8) applies to health insurance coverage offered by an insurer in the individual market in the same manner as it applies ...
• Florida Insurance Code Section 627.64872; Florida Health Insurance Plan.
  (1) LEGISLATIVE INTENT.-- (a) The Legislature recognizes that to secure a more stable and orderly health insurance market, the establishment of a plan to assume ...
• Florida Insurance Code Section 627.6488; Florida Comprehensive Health Association.
  (1) There is created a nonprofit legal entity to be known as the "Florida Comprehensive Health Association." All insurers, as a condition of doing business, ...
• Florida Insurance Code Section 627.6489; Disease Management Program.
  (1) The association may contract with insurers to provide disease management services for insurers that elect to participate in the association disease management program. (2) ...
• Florida Insurance Code Section 627.649; Administrator.
  (1) The board shall select an administrator, through a competitive bidding process, to administer the plan. The board shall evaluate bids submitted under this subsection ...
• Florida Insurance Code Section 627.6492; Participation of insurers.
  (1)(a) As a condition of doing business in this state an insurer shall pay an assessment to the board, in the amount prescribed by ...
• Florida Insurance Code Section 627.6494; Assessments; deferment, limitation.
  (1) Notwithstanding the provisions of s. 624.509, premiums for coverage issued or reinsured through the association shall, as to the association and participating insurers, ...
• Florida Insurance Code Section 627.6496; Issuing of policies.
  The coverage provided by this plan shall be directly insured by the association, and the policies shall be issued through the administrator pursuant to s. ...
• Florida Insurance Code Section 627.6498; Minimum benefits coverage; exclusions; premiums; deductibles.
  (1) COVERAGE OFFERED.-- (a) The plan shall offer in a semiannually renewable policy the coverage specified in this section for each eligible person. For applications ...
• Florida Insurance Code Section 627.6499; Reporting by insurers and third-party administrators.
  (1) The office may require any insurer, third-party administrator, or service company to report any information reasonably required to assist the board in assessing ...
• Florida Insurance Code Section 627.651; Group contracts and plans of self-insurance must meet group requirements.
  (1) Except as otherwise provided by law, a group health insurance policy or certificate insuring more than one individual delivered or issued for delivery in ...
• Florida Insurance Code Section 627.6512; Exemption of certain group health insurance policies.
  Sections 627.6561, 627.65615, 627.65625, and 627.6571 do not apply to: (1) Any group insurance policy in relation to its provision of ...
• Florida Insurance Code Section 627.6515; Out-of-state groups.
  (1) Any group health insurance policy issued or delivered outside this state under which a resident of this state is provided coverage shall comply with ...
• Florida Insurance Code Section 627.6516; Trustee groups.
  A group of employees of employers or members of labor unions may be insured for the benefit of persons other than the employers or unions ...
• Florida Insurance Code Section 627.652; Group health insurance; definitions.
  As used in this part: (1) Group health insurance is that form of health insurance covering groups of persons under a master group health insurance ...
• Florida Insurance Code Section 627.653; Employee groups.
  (1)(a) A group of individual employees of an employer, or employees and their dependents, may be insured, for the benefit of persons other than ...
• Florida Insurance Code Section 627.654; Labor union, association, and small employer health alliance groups.
  (1)(a) A group of individuals may be insured under a policy issued to an association, including a labor union, which association has a constitution ...
• Florida Insurance Code Section 627.655; Debtor groups.
  A group of individual debtors of a creditor may be insured under a policy issued to a creditor under which the debtors are indemnified in ...
• Florida Insurance Code Section 627.6551; Teacher and student groups.
  A group of teachers or students of an institution of learning may be insured under a policy issued by an insurer authorized under chapter 624 ...
• Florida Insurance Code Section 627.656; Additional groups.
  (1) A group of individuals, other than the groups defined in s. 627.556, may be insured under a policy issued to any person or ...
• Florida Insurance Code Section 627.6561; Preexisting conditions.
  (1) As used in this section, the term: (a) "Enrollment date" means, with respect to an individual covered under a group health policy, the date ...
• Florida Insurance Code Section 627.65615; Special enrollment periods.
  (1) An insurer that issues a group health insurance policy shall permit an employee who is eligible, but not enrolled, for coverage under the terms ...
• Florida Insurance Code Section 627.6562; Dependent coverage.
  (1) If an insurer offers coverage that insures dependent children of the policyholder or certificateholder, the policy must insure a dependent child of the policyholder ...
• Florida Insurance Code Section 627.65625; Prohibiting discrimination against individual participants and beneficiaries based on health status.
  (1) Subject to subsection (2), an insurer that offers a group health insurance policy may not establish rules for eligibility, including continued eligibility, of an ...
• Florida Insurance Code Section 627.65626; Insurance rebates for healthy lifestyles.
  (1) Any rate, rating schedule, or rating manual for a health insurance policy that provides creditable coverage as defined in s. 627.6561(5) filed ...
• Florida Insurance Code Section 627.6563; Full-time employment defined.
  Upon the request of the policyholder, a group, blanket, or franchise health insurance policy issued or delivered in this state that provides coverage to an ...
• Florida Insurance Code Section 627.657; Provisions of group health insurance policies.
  (1) Each group health insurance policy shall contain in substance the following provisions: (a) A provision that, in the absence of fraud, all statements made ...
• Florida Insurance Code Section 627.6571; Guaranteed renewability of coverage.
  (1) Except as otherwise provided in this section, an insurer that issues a group health insurance policy must renew or continue in force such coverage ...
• Florida Insurance Code Section 627.65735; Nondiscrimination of coverage for surgical procedures.
  No group, franchise, or blanket health insurance contract or policy which provides coverage on a group or individual basis for any diagnostic or surgical procedure ...
• Florida Insurance Code Section 627.6574; Maternity care.
  (1) Any group, blanket, or franchise policy of health insurance that provides coverage for maternity care must also cover the services of certified nurse-midwives ...
• Florida Insurance Code Section 627.65745; Diabetes treatment services.
  (1) A health insurance policy or group health insurance policy sold in this state, including a health benefit plan issued pursuant to s. 627.6699, ...
• Florida Insurance Code Section 627.6575; Coverage for newborn children.
  (1) Any group, blanket, or franchise health insurance policy providing coverage on an expense-incurred basis that provides coverage for a family member of the ...
• Florida Insurance Code Section 627.65755; Dental procedures; anesthesia and hospitalization coverage.
  For purposes of this section, dental treatment or surgery shall be considered necessary when the dental condition is likely to result in a medical condition ...
• Florida Insurance Code Section 627.6577; Dental care.
  (1) Any employer, group, or organization that pays or contributes to the premium of a group health insurance plan or dental service plan corporation which ...
• Florida Insurance Code Section 627.6578; Coverage for natural-born, adopted, and foster children; children in insured's custodial care.
  (1) A group, blanket, or franchise health insurance policy that provides coverage for a family member of the certificateholder or subscriber shall, as to such ...
• Florida Insurance Code Section 627.6579; Coverage for child health supervision services.
  (1) All group, blanket, or franchise health insurance policies providing coverage on an expense-incurred basis which provide coverage for a family member of the ...
• Florida Insurance Code Section 627.658; Use of dividends, refunds, rate reductions, commissions, service fees; premium rates.
  (1) Section 627.569 also applies to group health insurance policies. (2) An insurer may issue a group health insurance policy at a premium rate ...
• Florida Insurance Code Section 627.659; Blanket health insurance; eligible groups.
  Blanket health insurance is that form of health insurance which covers special groups of individuals as enumerated in one of the following subsections: (1) Under ...
• Florida Insurance Code Section 627.660; Conditions and provisions of blanket health insurance policies.
  (1) An individual application shall not be required from a person covered under a blanket health insurance policy or contract, nor shall it be necessary ...
• Florida Insurance Code Section 627.661; School accident insurance claims; policy service.
  An insurer issuing a school accident policy referred to in s. 627.659(3) shall maintain an office or offices in this state for the ...
• Florida Insurance Code Section 627.6612; Coverage for surgical procedures and devices incident to mastectomy.
  (1) Any group, blanket, or franchise accident or health insurance policy that provides coverage for mastectomies must also provide coverage for prosthetic devices and breast ...
• Florida Insurance Code Section 627.66121; Coverage for length of stay and outpatient postsurgical care.
  (1) Any group, blanket, or franchise accident or health insurance policy that is issued, amended, delivered, or renewed in this state which provides coverage for ...
• Florida Insurance Code Section 627.66122; Requirements with respect to breast cancer and routine followup care.
  Routine followup care to determine whether a breast cancer has recurred in a person who has been previously determined to be free of breast cancer ...
• Florida Insurance Code Section 627.6613; Coverage for mammograms.
  (1) A group, blanket, or franchise accident or health insurance policy issued, amended, delivered, or renewed in this state must provide coverage for at least ...
• Florida Insurance Code Section 627.6615; Handicapped children; continuation of coverage under group policy.
  A group health insurance policy or health care services plan contract that is delivered or issued for delivery in this state and that provides that ...
• Florida Insurance Code Section 627.6616; Coverage for ambulatory surgical center service.
  No group health insurance policy providing coverage on an expense-incurred basis, or group service or indemnity-type contract issued by a nonprofit corporation, or ...
• Florida Insurance Code Section 627.6617; Coverage for home health care services.
  (1) Any group health insurance policy providing coverage on an expense-incurred basis shall provide coverage for home health care by a home health care ...
• Florida Insurance Code Section 627.6618; Payment of acupuncture benefits to certified acupuncturists.
  Any policy of group health insurance that provides coverage for acupuncture shall cover the services of an acupuncturist certified pursuant to chapter 457 under the ...
• Florida Insurance Code Section 627.6619; Massage.
  Any policy of health insurance that provides coverage for massage shall also cover the services of persons licensed to practice massage pursuant to chapter 480, ...
• Florida Insurance Code Section 627.662; Other provisions applicable.
  The following provisions apply to group health insurance, blanket health insurance, and franchise health insurance: (1) Section 627.569, relating to use of dividends, refunds, ...
• Florida Insurance Code Section 627.663; Franchise health insurance.
  (1) "Franchise health insurance," also known as "franchise group insurance," is that form of health insurance issued to: (a) Two or more employees of any ...
• Florida Insurance Code Section 627.664; Assignment of incidents of ownership in group, blanket, or franchise health policies.
  (1) No provision of the insurance code or any other law shall be construed to prohibit an insured under any group, blanket, or franchise health ...
• Florida Insurance Code Section 627.6645; Notification of cancellation, expiration, nonrenewal, or change in rates.
  (1) Every insurer delivering or issuing for delivery a group health insurance policy under the provisions of this part shall give the policyholder at least ...
• Florida Insurance Code Section 627.6646; Cancellation or nonrenewal prohibited.
  Notwithstanding any other provision of law to the contrary, no insurer shall cancel or nonrenew the health insurance policy of any insured because of diagnosis ...
• Florida Insurance Code Section 627.6647; Release of claims experience.
  (1) Any insurer issuing or delivering group health insurance policies in this state must provide to a policyholder, within 21 days after a written request, ...
• Florida Insurance Code Section 627.6651; Replacement or termination of group, blanket, or franchise health policy or contract; liability of prior insurer.
  When a purchaser of insurance terminates or replaces an existing group, blanket, or franchise health insurance policy or contract with another such policy, the prior ...
• Florida Insurance Code Section 627.666; Liability of succeeding insurer on replacement of group, blanket, or franchise health insurance policy.
  Upon replacement of a group, blanket, or franchise health insurance policy: (1) Each person who was covered by the prior insurer must be covered by ...
• Florida Insurance Code Section 627.667; Extension of benefits.
  (1) Each group, blanket, or franchise policy or contract renewed, delivered, or issued for delivery in this state shall contain a reasonable provision for extension ...
• Florida Insurance Code Section 627.6675; Conversion on termination of eligibility.
  Subject to all of the provisions of this section, a group policy delivered or issued for delivery in this state by an insurer or nonprofit ...
• Florida Insurance Code Section 627.668; Optional coverage for mental and nervous disorders required; exception.
  (1) Every insurer, health maintenance organization, and nonprofit hospital and medical service plan corporation transacting group health insurance or providing prepaid health care in this ...
• Florida Insurance Code Section 627.669; Optional coverage required for substance abuse impaired persons; exception.
  (1) Insurers, health maintenance organizations, and nonprofit health care services plans transacting group health insurance or providing prepaid health care in this state shall make ...
• Florida Insurance Code Section 627.6691; Coverage for osteoporosis screening, diagnosis, treatment, and management.
  Any group, blanket, or franchise health insurance policy that covers a resident of this state and that is issued, amended, delivered, or renewed in this ...
• Florida Insurance Code Section 627.66911; Required coverage for cleft lip and cleft palate.
  A health insurance policy that covers a child under the age of 18 must provide coverage for treatment of cleft lip and cleft palate for ...
• Florida Insurance Code Section 627.6692; Florida Health Insurance Coverage Continuation Act.
  (1) SHORT TITLE.--This section may be cited as the "Florida Health Insurance Coverage Continuation Act." (2) PURPOSE AND INTENT.--The purpose and intent of ...
• Florida Insurance Code Section 627.6698; Attorney's fees.
  (1) Upon the rendition of a judgment by any of the courts of this state against an insurer and in favor of any resident of ...
• Florida Insurance Code Section 627.6699; Employee Health Care Access Act.
  (1) SHORT TITLE.--This section may be cited as the "Employee Health Care Access Act." (2) PURPOSE AND INTENT.--The purpose and intent of this ...
• Florida Insurance Code Section 627.671; Medicare supplement reform; short title.
  Sections 627.671-627.675 may be cited as the "Florida Medicare Supplement Reform ...
• Florida Insurance Code Section 627.672; Definitions.
  For the purposes of ss. 627.671-627.675: (1) A "Medicare supplement policy" is a health insurance policy or other health benefit plan offered ...
• Florida Insurance Code Section 627.673; Designation as Medicare supplement policy; penalties for violations.
  (1) An individual, group, blanket, or franchise health insurance policy may not be delivered or issued for delivery in this state as a Medicare supplement ...
• Florida Insurance Code Section 627.6735; Order to discontinue certain advertising.
  An insurer must file with the office all advertisements for Medicare supplement policies pursuant to rules adopted by the commission. If, in the opinion of ...
• Florida Insurance Code Section 627.6736; Filing requirements for out-of-state group policies.
  An insurer providing group Medicare supplement insurance benefits to a resident of this state shall file a copy of the master policy and any certificate ...
• Florida Insurance Code Section 627.6737; Reporting of multiple policies.
  (1) On or before March 1, every insurer or other entity providing Medicare supplement insurance coverage in this state shall report the following information for ...
• Florida Insurance Code Section 627.674; Minimum standards; filing requirements.
  (1) An insurance policy or subscriber contract may not be advertised, solicited, or issued for delivery in this state as a Medicare supplement policy unless ...
• Florida Insurance Code Section 627.6741; Issuance, cancellation, nonrenewal, and replacement.
  (1) An insurer issuing Medicare supplement policies in this state shall offer the opportunity of enrolling in a Medicare supplement policy, without conditioning the issuance ...
• Florida Insurance Code Section 627.6742; Permitted compensation arrangements.
  (1) The commission shall adopt rules governing the permitted compensation arrangements between insurers and agents with respect to Medicare supplement policies. (2) The rules shall ...
• Florida Insurance Code Section 627.6743; Standards for marketing.
  (1) Every insurer, health care service plan, or other entity marketing Medicare supplement insurance coverage in this state, directly or through its producers, shall: (a) ...
• Florida Insurance Code Section 627.6744; Recommended purchase and excessive insurance.
  (1) Medicare supplement insurance may not be issued or sold, whether directly, through the mail, or otherwise, to an individual unless the issuer or seller ...
• Florida Insurance Code Section 627.6745; Loss ratio standards; public rate hearings.
  (1) Medicare supplement policies shall return the following to policyholders in the form of aggregate benefits under the policy, with respect to the lifetime of ...
• Florida Insurance Code Section 627.6746; Compliance with Omnibus Budget Reconciliation Acts.
  Each entity that provides Medicare supplement policies or contracts must comply with all provisions of s. 4081 of the Omnibus Budget Reconciliation Act of 1987 (...
• Florida Insurance Code Section 627.675; Mandated coverages inapplicable to Medicare supplement policies unless specifically made applicable.
  No coverage which is required by a law of this state enacted on or after the effective date of this act to be included in ...
• Florida Insurance Code Section 627.676; Scope of this part.
  This part applies only to credit life and credit disability insurances as defined in s. 627....
• Florida Insurance Code Section 627.677; Definitions.
  As used in this part, the term: (1) "Credit life insurance" means insurance on the life of a debtor pursuant to or in connection with ...
• Florida Insurance Code Section 627.678; Rules.
  (1) For the effective protection of the public interest, the commission shall have full power and authority to adopt, and the office shall enforce, separate ...
• Florida Insurance Code Section 627.6785; Filing of rates with department.
  (1) Credit disability and credit life insurers shall file with the office a copy of all rates and any rate changes used in this state. (...
• Florida Insurance Code Section 627.679; Amount of insurance; disclosure.
  (1)(a) The amount of credit life insurance written under one or more policies shall not exceed by more than $5 the total of the ...
• Florida Insurance Code Section 627.681; Term and evidence of insurance.
  (1) The term of credit life insurance coverages shall not extend more than 15 days beyond the term of the indebtedness, except when extended without ...
• Florida Insurance Code Section 627.682; Filing, approval of forms.
  All forms of policies, certificates of insurance, statements of insurance, applications for insurance, binders, endorsements, and riders of credit life or disability insurance delivered or ...
• Florida Insurance Code Section 627.683; Licensed agent required.
  All policies to which this chapter applies shall be issued through a licensed ...
• Florida Insurance Code Section 627.684; Premium not deemed loan or finance charge.
  The premium or cost of credit life or disability insurance, when written by or through any lender or other creditor, its affiliate or associate or ...
• Florida Insurance Code Section 627.6841; Credit insurance consolidations; general requirements.
  An insurer may not participate in any consolidation unless it complies with all of the following requirements: (1) The offer of new coverage must be ...
• Florida Insurance Code Section 627.6842; Group-to-group consolidations.
  If both the old coverage and the new coverage are provided under group policies: (1) A signed application need not be obtained if all of ...
• Florida Insurance Code Section 627.6843; Consolidation disclosure requirements.
  (1) In conjunction with any offer of new coverage made in any consolidation, the new insurer must disclose in writing to each prospective insured all ...
• Florida Insurance Code Section 627.6844; Replacement rules.
  Group-to-group consolidations are exempt from any rule of the commission relating to the replacement of existing life or health insurance. Sections 627.6841-...
• Florida Insurance Code Section 627.6845; Policy forms used in connection with consolidations.
  A policy or group certificate of credit insurance used in connection with any consolidation, or an application, endorsement, or rider which becomes a part of ...
• Florida Insurance Code Section 627.701; Liability of insureds; coinsurance; deductibles.
  (1) A property insurer may issue an insurance policy or contract covering either real or personal property in this state which contains provisions requiring the ...
• Florida Insurance Code Section 627.7011; Homeowners' policies; offer of replacement cost coverage and law and ordinance coverage.
  (1) Prior to issuing a homeowner's insurance policy on or after October 1, 2005, or prior to the first renewal of a homeowner's ...
• Florida Insurance Code Section 627.70121; Payment of claims for dual interest property.
  For policies issued or renewed on or after October 1, 2006, a property insurer shall transmit claims payments directly to the primary policyholder by check ...
• Florida Insurance Code Section 627.7015; Alternative procedure for resolution of disputed property insurance claims.
  (1) PURPOSE AND SCOPE.--This section sets forth a nonadversarial alternative dispute resolution procedure for a mediated claim resolution conference prompted by the need for ...
• Florida Insurance Code Section 627.7016; Insurer contracts with building contractors.
  An insurer who offers residential coverage, as defined in s. 627.4025, may contract with a building contractor skilled in techniques that mitigate hurricane damage. ...
• Florida Insurance Code Section 627.70161; Family day care insurance.
  (1) PURPOSE AND INTENT.--The Legislature recognizes that family day care homes fulfill a vital role in providing child care in Florida. It is the ...
• Florida Insurance Code Section 627.7017; Hurricane loss mitigation projects.
  In addition to any other hurricane loss mitigation activities authorized or required by law, the office may contract with public or private entities for hurricane ...
• Florida Insurance Code Section 627.7019; Standardization of requirements applicable to insurers after natural disasters.
  (1) The commission shall adopt by rule, pursuant to s. 120.54(1)-(3), standardized requirements that may be applied to insurers as a consequence ...
• Florida Insurance Code Section 627.702; Valued policy law.
  (1)(a) In the event of the total loss of any building, structure, mobile home as defined in s. 320.01(2), or manufactured building ...
• Florida Insurance Code Section 627.705; Return of unearned premium on overinsured personal property.
  In the event of a total loss or destruction of any personal property on which the amount of the appraised or agreed loss is less ...
• Florida Insurance Code Section 627.706; Sinkhole insurance; definitions.
  (1) Every insurer authorized to transact property insurance in this state shall make available coverage for insurable sinkhole losses on any structure, including contents of ...
• Florida Insurance Code Section 627.7061; Coverage inquiries.
  Inquiries about coverage on a property insurance contract are not claim activity, unless an actual claim is filed by the insured that results in a ...
• Florida Insurance Code Section 627.7065; Database of information relating to sinkholes; the Department of Financial Services and the Department of Environmental Protection.
  (1) The Legislature finds that there has been a dramatic increase in the number of sinkholes and insurance claims for sinkhole damage in the state ...
• Florida Insurance Code Section 627.707; Standards for investigation of sinkhole claims by insurers; nonrenewals.
  Upon receipt of a claim for a sinkhole loss, an insurer must meet the following standards in investigating a claim: (1) The insurer must make ...
• Florida Insurance Code Section 627.7072; Testing standards for sinkholes.
  The professional engineer and professional geologist shall perform such tests as sufficient, in their professional opinion, to determine the presence or absence of sinkhole loss ...
• Florida Insurance Code Section 627.7073; Sinkhole reports.
  (1) Upon completion of testing as provided in s. 627.7072, the professional engineer or professional geologist shall issue a report and certification to the ...
• Florida Insurance Code Section 627.7074; Alternative procedure for resolution of disputed sinkhole insurance claims.
  (1) As used in this section, the term: (a) "Neutral evaluation" means the alternative dispute resolution provided for in this section. (b) "Neutral evaluator" means ...
• Florida Insurance Code Section 627.7077; Florida Sinkhole Insurance Facility and other matters related to affordability and availability of sinkhole insurance; feasibility study.
  (1) The Florida State University College of Business Department of Risk Management and Insurance shall, under the direction of the office, conduct a feasibility and ...
• Florida Insurance Code Section 627.711; Notice of premium discounts for hurricane loss mitigation.
  Using a form prescribed by the Office of Insurance Regulation, the insurer shall clearly notify the applicant or policyholder of any personal lines residential property ...
• Florida Insurance Code Section 627.7261; Refusal to issue policy.
  No insurer may deny an application for automobile liability insurance solely on the ground that renewal of similar coverage has been denied by another insurer ...
• Florida Insurance Code Section 627.7263; Rental and leasing driver's insurance to be primary; exception.
  (1) The valid and collectible liability insurance or personal injury protection insurance providing coverage for the lessor of a motor vehicle for rent or lease ...
• Florida Insurance Code Section 627.727; Motor vehicle insurance; uninsured and underinsured vehicle coverage; insolvent insurer protection.
  (1) No motor vehicle liability insurance policy which provides bodily injury liability coverage shall be delivered or issued for delivery in this state with respect ...
• Florida Insurance Code Section 627.7275; Motor vehicle liability.
  (1) A motor vehicle insurance policy providing personal injury protection as set forth in s. 627.736 may not be delivered or issued for delivery ...
• Florida Insurance Code Section 627.7276; Notice of limited coverage.
  (1) An automobile policy that does not contain coverage for bodily injury and property damage must be clearly stamped or printed to the effect that ...
• Florida Insurance Code Section 627.7277; Notice of renewal premium.
  (1) As used in this section, the terms "policy" and "renewal" have the meaning ascribed in s. 627.728. (2) An insurer shall mail or ...
• Florida Insurance Code Section 627.728; Cancellations; nonrenewals.
  (1) As used in this section, the term: (a) "Policy" means the bodily injury and property damage liability, personal injury protection, medical payments, comprehensive, collision, ...
• Florida Insurance Code Section 627.7281; Cancellation notice.
  An insurer issuing a policy of motor vehicle insurance not covered under the cancellation provisions of s. 627.728 shall give the named insured notice ...
• Florida Insurance Code Section 627.7282; Notice of additional premium; cancellation upon nonpayment.
  (1) Upon a determination by an insurer that, in accordance with its rate filings and the applicable laws of this state relating to private passenger ...
• Florida Insurance Code Section 627.7283; Cancellation; return of premium.
  (1) If the insured cancels a policy of motor vehicle insurance, the insurer must mail the unearned portion of any premium paid within 30 days ...
• Florida Insurance Code Section 627.7285; Experience while operating a train.
  The experience of any person while operating any vehicle or train as a public conveyance or acting as a member of the crew of such ...
• Florida Insurance Code Section 627.7286; Renewal of policy and setting of rates; certain experience not a factor.
  No insurer providing motor vehicle liability coverage shall refuse to renew any policy providing coverage for a personal motor vehicle of any person based solely ...
• Florida Insurance Code Section 627.7288; Comprehensive coverage; deductible not to apply to motor vehicle glass.
  The deductible provisions of any policy of motor vehicle insurance, delivered or issued in this state by an authorized insurer, providing comprehensive coverage or combined ...
• Florida Insurance Code Section 627.7295; Motor vehicle insurance contracts.
  (1) As used in this section, the term: (a) "Policy" means a motor vehicle insurance policy that provides personal injury protection and property damage liability ...
• Florida Insurance Code Section 627.72951; Temporary binding permitted.
  Notwithstanding any other provision of law, an insurer may temporarily bind coverage on a vehicle for a period not to exceed 3 business days without ...
• Florida Insurance Code Section 627.730; Florida Motor Vehicle No-Fault Law.
  Sections 627.730-627.7405 may be cited and known as the "Florida Motor Vehicle No-Fault ...
• Florida Insurance Code Section 627.731; Purpose.
  The purpose of ss. 627.730-627.7405 is to provide for medical, surgical, funeral, and disability insurance benefits without regard to fault, and to ...
• Florida Insurance Code Section 627.732; Definitions.
  As used in ss. 627.730-627.7405, the term: (1) "Broker" means any person not possessing a license under chapter 395, chapter 400, chapter ...
• Florida Insurance Code Section 627.733; Required security.
  (1)(a) Every owner or registrant of a motor vehicle, other than a motor vehicle used as a school bus as defined in s. 1006....
• Florida Insurance Code Section 627.734; Proof of security; security requirements; penalties.
  (1) The provisions of chapter 324 which pertain to the method of giving and maintaining proof of financial responsibility and which govern and define a ...
• Florida Insurance Code Section 627.736; Required personal injury protection benefits; exclusions; priority; claims.
  (1) REQUIRED BENEFITS.--Every insurance policy complying with the security requirements of s. 627.733 shall provide personal injury protection to the named insured, relatives ...
• Florida Insurance Code Section 627.737; Tort exemption; limitation on right to damages; punitive damages.
  (1) Every owner, registrant, operator, or occupant of a motor vehicle with respect to which security has been provided as required by ss. 627.730-...
• Florida Insurance Code Section 627.739; Personal injury protection; optional limitations; deductibles.
  (1) The named insured may elect a deductible or modified coverage or combination thereof to apply to the named insured alone or to the named ...
• Florida Insurance Code Section 627.7401; Notification of insured's rights.
  (1) The commission, by rule, shall adopt a form for the notification of insureds of their right to receive personal injury protection benefits under the ...
• Florida Insurance Code Section 627.7403; Mandatory joinder of derivative claim.
  In any action brought pursuant to the provisions of s. 627.737 claiming personal injuries, all claims arising out of the plaintiff's injuries, including ...
• Florida Insurance Code Section 627.7405; Insurers' right of reimbursement.
  Notwithstanding any other provisions of ss. 627.730-627.7405, any insurer providing personal injury protection benefits on a private passenger motor vehicle shall have, ...
• Florida Insurance Code Section 627.7415; Commercial motor vehicles; additional liability insurance coverage.
  Commercial motor vehicles, as defined in s. 207.002(2) or s. 320.01, operated upon the roads and highways of this state shall be ...
• Florida Insurance Code Section 627.742; Nonpublic sector buses; additional liability insurance coverage.
  (1) In addition to any other insurance requirements, each nonpublic sector bus must carry: (a) Proof of ability to respond in damages for liability on ...
• Florida Insurance Code Section 627.743; Payment of third-party claims.
  (1) Before making any payment on a claim for damage to an automobile for a total loss, regardless of amount, which automobile is owned by ...
• Florida Insurance Code Section 627.744; Required preinsurance inspection of private passenger motor vehicles.
  (1) A private passenger motor vehicle insurance policy providing physical damage coverage, including collision or comprehensive coverage, may not be issued in this state unless ...
• Florida Insurance Code Section 627.745; Mediation of claims.
  (1)(a) In any claim filed with an insurer for personal injury in an amount of $10,000 or less or any claim for property ...
• Florida Insurance Code Section 627.746; Coverage for minors who have a learner's driver's license; additional premium prohibited.
  An insurer that issues an insurance policy on a private passenger motor vehicle to a named insured who is a foster parent of a minor ...
• Florida Insurance Code Section 627.751; Surety on required bonds; release.
  (1) Subject to other provisions of this part, any authorized surety insurer may be accepted as surety on the bond of any person required by ...
• Florida Insurance Code Section 627.752; Bonds in judicial proceedings.
  (1) In any judicial proceeding, whenever it may become necessary for any party thereto to give a bond for any purpose, the bond of such ...
• Florida Insurance Code Section 627.754; Sureties upon official bonds.
  (1) An authorized surety insurer having policyholder surplus of not less than $1 million shall, upon proper proof thereof and production of evidence of solvency, ...
• Florida Insurance Code Section 627.756; Bonds for construction contracts; attorney fees in case of suit.
  (1) Section 627.428 applies to suits brought by owners, subcontractors, laborers, and materialmen against a surety insurer under payment or performance bonds written by ...
• Florida Insurance Code Section 627.758; Surety on auto club traffic arrest bond; conditions, limit; bail bond.
  (1) Any authorized surety insurer may, in any year, become surety in an amount not to exceed $1,000 with respect to any guaranteed traffic ...
• Florida Insurance Code Section 627.759; Estoppel to deny power.
  Any surety insurer which executes any bond or undertaking of surety under this part shall be estopped from denying its corporate or other power to ...
• Florida Insurance Code Section 627.7711; Definitions.
  As used in this part, the term: (1)(a) "Related title services" means services performed by a title insurer or title insurance agent or agency, ...
• Florida Insurance Code Section 627.776; Applicability or inapplicability of Florida Insurance Code provisions to title insurers.
  (1) In addition to any other provisions of law applicable to title insurers, title insurers are subject to the following provisions of this code: (a) ...
• Florida Insurance Code Section 627.777; Approval of forms.
  A title insurer may not issue or agree to issue any form of title insurance commitment, title insurance policy, other contract of title insurance, or ...
• Florida Insurance Code Section 627.7773; Accounting and auditing of forms by title insurers.
  (1) Each title insurer authorized to do business in this state shall, at least once during each calendar year, require of each of its title ...
• Florida Insurance Code Section 627.7776; Furnishing of supplies; civil liability.
  (1) A title insurer may not furnish to any person any blank forms, applications, stationery, or other supplies to be used in soliciting, negotiating, or ...
• Florida Insurance Code Section 627.778; Limit of risk.
  (1)(a) A title insurer may not issue any contract of title insurance, either as a primary insurer or as a coinsurer or reinsurer, upon ...
• Florida Insurance Code Section 627.780; Illegal dealings in risk premium.
  (1) A person may not knowingly quote, charge, accept, collect, or receive a premium for title insurance other than the premium adopted by the commission. (...
• Florida Insurance Code Section 627.782; Adoption of rates.
  (1) Subject to the rating provisions of this code, the commission must adopt a rule specifying the premium to be charged in this state by ...
• Florida Insurance Code Section 627.783; Rate deviation.
  (1) A title insurer may petition the office for an order authorizing a specific deviation from the adopted premium, and a title insurer or title ...
• Florida Insurance Code Section 627.7831; Commitments; charges; collection.
  (1) When a title insurance commitment to insure a title or risk is issued at the request of the insured or the insured's representative, ...
• Florida Insurance Code Section 627.784; Casualty title insurance prohibited.
  A title insurance policy or guarantee of title may not be issued without regard to the possible existence of adverse matters or defects of ...
• Florida Insurance Code Section 627.7841; Insurance against adverse matters or defects in the title.
  If a title insurer issuing a commitment or policy of title insurance upon an estate, lien, or interest in property located in this state through ...
• Florida Insurance Code Section 627.7842; Policy exceptions.
  (1)(a) If a survey meeting the minimum technical standards for surveying required by the Department of Business and Professional Regulation and certified to the ...
• Florida Insurance Code Section 627.7843; Ownership and encumbrance reports.
  (1) As used in this section, the term "ownership and encumbrance report" means a report that discloses certain defined documents imparting constructive notice and appearing ...
• Florida Insurance Code Section 627.7845; Determination of insurability required; preservation of evidence of title search and examination.
  (1) A title insurer may not issue a title insurance commitment, endorsement, or title insurance policy until the title insurer has caused to be conducted ...
• Florida Insurance Code Section 627.785; Preemption by state.
  The regulation of title insurers and title insurance is preempted to the ...
• Florida Insurance Code Section 627.786; Transaction of title insurance and any other kind of insurance prohibited.
  (1) An insurer may not transact title insurance and any other kind of insurance in this state. (2) Subsection (1) does not apply to any ...
• Florida Insurance Code Section 627.7865; Title insurer assessments.
  As a condition of doing business in this state, each title insurer shall be liable for an assessment to pay all unpaid title insurance claims ...
• Florida Insurance Code Section 627.791; Penalties against title insurers for violations by persons or entities not licensed.
  A title insurer is subject to the penalties in ss. 624.418(2) and 624.4211 for any violation of a lawful order or rule ...
• Florida Insurance Code Section 627.792; Liability of title insurers for defalcation by title insurance agents or agencies.
  A title insurer is liable for the defalcation, conversion, or misappropriation by a licensed title insurance agent or agency of funds held in trust by ...
• Florida Insurance Code Section 627.793; Rulemaking authority.
  The commission may adopt rules implementing the provisions of this ...
• Florida Insurance Code Section 627.796; Errors and omissions policy requirements.
  A title insurance policy may not be issued from a search performed by any person other than a title insurance agent, or an employee of ...
• Florida Insurance Code Section 627.797; Exempt agent list.
  (1) Every insurer shall file with the department a list containing the name and address of each appointed agent who is exempt from licensure under ...
• Florida Insurance Code Section 627.798; Rulemaking authority.
  The commission shall by rule adopt a form to be used to provide notice to a purchaser-mortgagor that the purchaser-mortgagor is not protected ...
• Florida Insurance Code Section 627.801; Application of this part.
  This part applies to annuity contracts, life insurance contracts, and contracts upon the lives of beneficiaries under life insurance contracts when such annuities or contracts ...
• Florida Insurance Code Section 627.8015; "Indeterminate value contracts" and "variable contracts" defined.
  For the purposes of this part: (1) "Indeterminate value contracts" means annuity contracts, life insurance contracts, and contracts upon the lives of beneficiaries under life ...
• Florida Insurance Code Section 627.802; Establishment and maintenance of separate accounts.
  A domestic life insurance company may establish one or more separate accounts and allocate thereto amounts, including without limitation proceeds applied under optional modes of ...
• Florida Insurance Code Section 627.803; Statement of value of benefits.
  Any contract or group certificate delivered or issued for delivery in this state which provides variable or indeterminate values shall contain a statement of the ...
• Florida Insurance Code Section 627.804; Investment of assets.
  An insurer which issues contracts providing for benefits, values, or premiums that vary directly according to investment experience and which has established a separate account ...
• Florida Insurance Code Section 627.805; Regulation of variable and indeterminate value contracts; rules.
  The office, notwithstanding any other provision of law, shall have the sole authority to regulate the issuance and sale of variable and indeterminate value contracts, ...
• Florida Insurance Code Section 627.8055; Qualification of companies to issue variable or indeterminate value contracts.
  No insurance company shall issue or deliver any contract on a variable or indeterminate value basis until it has satisfied the office that its financial ...
• Florida Insurance Code Section 627.806; Applicability of code to indeterminate value contracts and variable life insurance contracts and accounts.
  (1) Subject to the provisions of subsection (2), all pertinent provisions of the insurance code, including the provisions relating to reinsurance, apply to indeterminate value ...
• Florida Insurance Code Section 627.807; Variable or indeterminate value contract reserve requirements.
  The reserve liability for variable or indeterminate value contracts shall be established in accordance with actuarial procedures that recognize the variable nature of the benefits, ...
• Florida Insurance Code Section 627.826; "Premium finance company" defined.
  (1) An "insurance premium finance company" is: (a) A person engaged, in whole or in part, in the business of entering into premium finance agreements ...
• Florida Insurance Code Section 627.827; "Premium finance agreement" defined.
  "Premium finance agreement" means a promissory note or other written agreement by which an insured promises or agrees to pay to, or to the order ...
• Florida Insurance Code Section 627.828; License required.
  (1) Except as provided in ss. 627.901 and 627.902, no person shall engage in the business of a premium finance company unless licensed ...
• Florida Insurance Code Section 627.8281; Levy upon deposit.
  No judgment creditor or other claimant of a premium finance company shall have the right to levy upon any of the assets or securities held ...
• Florida Insurance Code Section 627.829; Approval, disapproval of application; license renewal.
  (1) The office shall issue the license, unless it finds that the management of the premium finance company filing the application is so lacking in ...
• Florida Insurance Code Section 627.832; Grounds for refusal, suspension, or revocation of license.
  (1) The office may deny, suspend, revoke, or refuse to renew any license, if it finds: (a) That the licensee has failed to pay the ...
• Florida Insurance Code Section 627.833; Administrative fine and probation in lieu of suspension, revocation, or refusal to renew license.
  The office may, in its discretion in lieu of a suspension, revocation, or refusal to renew or continue any license, impose on the licensee an ...
• Florida Insurance Code Section 627.834; Examinations.
  (1) The office may conduct examinations and investigations of premium finance companies under the provisions of ss. 624.307 and 626.601. (2) As often ...
• Florida Insurance Code Section 627.835; Excessive premium finance charge; penalty.
  Any person, premium finance company, or other legal entity who or which knowingly takes, receives, reserves, or charges a premium finance charge other than that ...
• Florida Insurance Code Section 627.836; Licensee's books and records; reports.
  (1) The licensee shall keep and use in her or his business such books, accounts, and records as will enable the office to determine whether ...
• Florida Insurance Code Section 627.838; Filing and approval of forms; service charges.
  (1) No premium finance agreement form or related form shall be used in this state by a premium finance company unless it has been filed ...
• Florida Insurance Code Section 627.839; Form and content of premium finance agreements.
  (1) A premium finance agreement shall be in writing, dated, and signed by or on behalf of the insured; and the printed portion thereof shall ...
• Florida Insurance Code Section 627.840; Limitation on service and other charges.
  (1) A premium finance company shall not charge, contract for, receive, or collect a service charge other than as permitted by this part. (2) A ...
• Florida Insurance Code Section 627.8405; Prohibited acts; financing companies.
  No premium finance company shall, in a premium finance agreement or other agreement, finance the cost of or otherwise provide for the collection or remittance ...
• Florida Insurance Code Section 627.841; Delinquency, collection, cancellation, and check return charges; attorney's fees.
  (1) A premium finance agreement may provide for the payment by the insured of a delinquency and collection charge on each installment in default for ...
• Florida Insurance Code Section 627.842; Restrictions on premium finance agreements.
  No premium finance agreement or contract ancillary thereto shall contain any provision by which: (1) In the absence of default of the insured, the premium ...
• Florida Insurance Code Section 627.843; Delivery of copy of premium finance agreement.
  Before the due date of the first installment payable under a premium finance agreement, the premium finance company holding the agreement or the insurance agent ...
• Florida Insurance Code Section 627.844; Assignment of premium finance agreement.
  (1) A premium finance company may purchase or otherwise acquire a premium finance agreement from another premium finance company with recourse against the other premium ...
• Florida Insurance Code Section 627.845; Statement of account; receipts.
  (1) At any time after the execution of a premium finance agreement, but not later than 1 year after the last payment thereunder, the premium ...
• Florida Insurance Code Section 627.847; Extensions or deferrals.
  A premium finance company may, upon agreement with the insured, extend the scheduled due date or defer the scheduled payment of all or any part ...
• Florida Insurance Code Section 627.848; Cancellation of insurance contract upon default.
  (1) When a premium finance agreement contains a power of attorney or other authority enabling the premium finance company to cancel any insurance contract listed ...
• Florida Insurance Code Section 627.849; Fees.
  (1) The office shall collect in advance, and the persons so served shall pay to it in advance, the following fees: (a) Annual license fee ............ $...
• Florida Insurance Code Section 627.901; Premium financing by an insurance agent or agency.
  (1) A general lines agent may make reasonable service charges for financing insurance premiums on policies issued or business produced by such an agent or ...
• Florida Insurance Code Section 627.902; Premium financing by an insurer or subsidiary.
  An insurer, a subsidiary of an insurer, or a corporation under substantially the same management or control as an authorized insurer or group of authorized ...
• Florida Insurance Code Section 627.903; Premium finance cost specified.
  (1) When premium financing service charges or interest is included in the overall price or cost of insurance, the insurer, insurance agent, or agency shall ...
• Florida Insurance Code Section 627.904; Insurer filing; approval of forms; service charge filing.
  An insurer, a subsidiary of an insurer, or a corporation under substantially the same management or control as an authorized insurer or group of authorized ...
• Florida Insurance Code Section 627.911; Scope of this part.
  Any insurer transacting insurance in this state shall report information as required by this ...
• Florida Insurance Code Section 627.912; Professional liability claims and actions; reports by insurers and health care providers; annual report by office.
  (1)(a) Each self-insurer authorized under s. 627.357 and each commercial self-insurance fund authorized under s. 624.462, authorized insurer, surplus lines ...
• Florida Insurance Code Section 627.9122; Officers' and directors' liability claims; reports by insurers.
  (1) Each insurer providing coverage for officers' and directors' liability coverage shall report to the office any claim or action for damages claimed to have ...
• Florida Insurance Code Section 627.9126; Reports by liability insurers.
  (1) Each insurer transacting commercial multiperil, products liability, commercial automobile liability, private passenger automobile liability, or other line of liability insurance shall maintain information as ...
• Florida Insurance Code Section 627.913; Reports by products liability insurers.
  The office may require any insurer authorized to write a policy of products liability insurance in the state to transmit the following information, based on ...
• Florida Insurance Code Section 627.914; Reports of information by workers' compensation insurers required.
  (1) The commission shall adopt rules and statistical plans that must thereafter be used by each insurer and self-insurance fund as defined in s. ...
• Florida Insurance Code Section 627.915; Insurer experience reporting.
  (1) Each insurer transacting private passenger automobile insurance in this state shall report certain information annually to the office. The information will be due on ...
• Florida Insurance Code Section 627.917; Uniform risk classification reporting system for motor vehicle insurance.
  (1) The commission shall establish and promulgate a uniform statewide reporting system to classify risks for the purpose of evaluating rates and premiums and for ...
• Florida Insurance Code Section 627.9175; Reports of information on health and accident insurance.
  (1) Each health insurer, prepaid limited health services organization, and health maintenance organization shall submit, no later than April 1 of each year, to the ...
• Florida Insurance Code Section 627.918; Reporting formats.
  (1) The office shall require that the reporting provided for in this part be made on forms established by the commission or in a format ...
• Florida Insurance Code Section 627.919; Maintenance of insurance data.
  The office shall maintain data elements required in insurers' annual statements and information reported by insurers pursuant to this part in a computer file which ...
• Florida Insurance Code Section 627.9401; Short title.
  This part may be cited as the "Long-Term Care Insurance ...
• Florida Insurance Code Section 627.9402; Purpose.
  The purpose of this part is to promote the public interest, to promote the availability of long-term care insurance policies, to protect applicants for ...
• Florida Insurance Code Section 627.9403; Scope.
  The provisions of this part shall apply to long-term care insurance policies delivered or issued for delivery in this state, and to policies delivered ...
• Florida Insurance Code Section 627.9404; Definitions.
  For the purposes of this part: 1(1) "Long-term care insurance policy" means any insurance policy or rider advertised, marketed, offered, or designed to ...
• Florida Insurance Code Section 627.9405; Authorized groups; filing requirements.
  (1) No group long-term care insurance policy shall be delivered or issued for delivery in this state insuring more than one individual unless issued ...
• Florida Insurance Code Section 627.9406; Out-of-state group long-term care insurance.
  No group long-term care insurance coverage may be offered to a resident of this state under a group policy issued in another state to ...
• Florida Insurance Code Section 627.9407; Disclosure, advertising, and performance standards for long-term care insurance.
  (1) STANDARDS.--The commission shall adopt rules that include standards for full and fair disclosure setting forth the manner, content, and required disclosures of the ...
• Florida Insurance Code Section 627.94071; Minimum standards for home health care benefits.
  A long-term care insurance policy, certificate, or rider that contains a home health care benefit must meet or exceed the minimum standards specified in ...
• Florida Insurance Code Section 627.94072; Mandatory offers.
  (1)(a) An insurer that offers a long-term care insurance policy, certificate, or rider in this state must offer, in addition to any other ...
• Florida Insurance Code Section 627.94073; Notice of cancellation; grace period.
  (1) A long-term care policy shall provide that the insured is entitled to a grace period of not less than 30 days, within which ...
• Florida Insurance Code Section 627.94074; Standards for benefit triggers.
  (1)(a) A long-term care insurance policy shall condition the payment of benefits on a determination of the insured's ability to perform activities ...
• Florida Insurance Code Section 627.94075; A qualified state Long-Term Care Insurance Partnership Program in Florida.
  The commission may adopt rules pursuant to ss. 120.536(1) and 120.54 to implement applicable provisions of a qualified state Long-Term Care ...
• Florida Insurance Code Section 627.94076; Time limit on certain defenses.
  Notwithstanding the provisions of s. 627.607, each long-term care insurance policy shall provide that the policy shall be incontestable after it has been ...
• Florida Insurance Code Section 627.9408; Rules.
  (1) The commission may adopt rules pursuant to ss. 120.536(1) and 120.54 to administer this part. (2) The commission may adopt by ...
• Florida Insurance Code Section 627.941; Purpose.
  The purpose of this part is to regulate the formation or operation of risk retention groups and purchasing groups in this ...
• Florida Insurance Code Section 627.942; Definitions.
  As used in this part, unless the context otherwise requires: (1) "Completed operations liability" means liability arising out of the installation, maintenance, or repair of ...
• Florida Insurance Code Section 627.943; Risk retention groups certified in Florida.
  (1) A risk retention group seeking to be certified in this state shall first obtain a permit pursuant to chapter 628. The risk retention group ...
• Florida Insurance Code Section 627.944; Risk retention groups not certificated in this state.
  Risk retention groups certificated or licensed in states other than this state and seeking to do business as a risk retention group in this state ...
• Florida Insurance Code Section 627.945; Compulsory association.
  (1) No risk retention group shall be permitted to join or contribute financially to any insurance insolvency guaranty fund, or similar mechanism, in this state, ...
• Florida Insurance Code Section 627.946; Countersignatures not required.
  A policy of insurance issued to a risk retention group or any member of that group shall not be required to be countersigned by a ...
• Florida Insurance Code Section 627.947; Purchasing groups; exemption from certain insurer provisions.
  Any purchasing group meeting the criteria established under the provisions of the federal Liability Risk Retention Act of 1986 shall be exempt from any law ...
• Florida Insurance Code Section 627.948; Notice and registration requirements of purchasing groups.
  (1) A purchasing group which intends to do business in this state shall furnish notice to the office which shall: (a) Identify the state in ...
• Florida Insurance Code Section 627.949; Restrictions on insurance purchased by purchasing groups.
  (1) In order to purchase insurance or coverage for a risk located in this state, which risk is a subject of insurance of a member ...
• Florida Insurance Code Section 627.950; Administrative and procedural authority regarding risk retention and purchasing groups.
  The office is authorized to make use of any of the powers established under the Florida Insurance Code to enforce the laws of this state ...
• Florida Insurance Code Section 627.951; Penalties; cease and desist orders; injunctions.
  (1) A risk retention group which violates any applicable provision of the Florida Insurance Code shall be subject to fines and penalties applicable to licensed ...
• Florida Insurance Code Section 627.952; Risk retention and purchasing group agents.
  (1) Any person offering, soliciting, selling, purchasing, administering, or otherwise servicing insurance contracts, certificates, or agreements for any purchasing group or risk retention group to ...
• Florida Insurance Code Section 627.953; Binding effect of orders issued in United States District Court.
  An order issued by any district court of the United States enjoining a risk retention group from transacting, soliciting, or selling insurance or from operating ...
• Florida Insurance Code Section 627.954; Rules.
  The commission may establish and from time to time amend such rules relating to risk retention groups and purchasing groups as may be necessary or ...
• Florida Insurance Code Section 627.955; Limitation on deductibles.
  A purchasing group may not purchase insurance that provides for a deductible or self-insured retention that is applicable to the group as a whole. ...
• Florida Insurance Code Section 627.971; Definitions.
  As used in this part: (1)(a) "Financial guaranty insurance" means a surety bond, insurance policy, an indemnity contract issued by an insurer, or any ...
• Florida Insurance Code Section 627.972; Organization; financial requirements.
  (1) A financial guaranty insurance corporation must be organized and licensed in the manner prescribed in this code for stock property and casualty insurers except ...
• Florida Insurance Code Section 627.973; Limitations.
  (1) Financial guaranty insurance shall be transacted in this state only by a corporation licensed for such purpose, except that a property and casualty insurer ...
• Florida Insurance Code Section 627.974; Filing of policy forms and rates.
  (1) Policy forms and any amendments thereto must be filed with the office within 30 days after their use by the insurer. A policy may ...
• Florida Insurance Code Section 627.975; Reinsurance.
  (1) For financial guaranty insurance which takes effect on or after July 1, 1988, an insurer transacting financial guaranty insurance shall receive credit for reinsurance ...
• Florida Insurance Code Section 627.981; Scope of part.
  This part applies to all mortgage insurance offered, issued, or delivered in this state, by mail or otherwise, in connection with ...
• Florida Insurance Code Section 627.982; Definitions.
  As used in this part: (1) "Consolidation" means any transaction in which a financial institution or servicer makes its premium collection services available to its ...
• Florida Insurance Code Section 627.983; General requirements.
  No insurer shall participate in any consolidation unless it complies with the following requirements: (1) The offer of new coverage shall be made on a ...
• Florida Insurance Code Section 627.984; Group-to-group consolidations.
  Where both the old coverage and the new coverage are provided under group policies: (1) A signed application need not be obtained if all of ...
• Florida Insurance Code Section 627.985; Disclosure requirements.
  (1) In conjunction with any offer of new coverage made in any consolidation, the new insurer shall disclose in writing to each prospective insured all ...
• Florida Insurance Code Section 627.986; Replacement rules.
  Group-to-group consolidations shall be exempt from any rule of the commission relating to the replacement of existing life or health insurance. Nothing in ...
• Florida Insurance Code Section 627.987; Policy forms.
  No policy or group certificate of mortgage insurance used in connection with any consolidation, and no application, endorsement, or rider which becomes a part of ...
• Florida Insurance Code Section 628.011; Scope of part.
  This part applies only to domestic stock insurers, mutual insurers, and captive insurers, except that s. 628.341(2) applies also as to foreign and ...
• Florida Insurance Code Section 628.021; "Stock insurer" defined.
  A "stock insurer" is an incorporated insurer with its capital divided into shares and owned by its ...
• Florida Insurance Code Section 628.031; "Mutual insurer" defined.
  A "mutual insurer" is an incorporated insurer without permanent capital stock, the governing body of which is elected in accordance with this ...
• Florida Insurance Code Section 628.041; Applicability of general corporation statutes.
  The applicable statutes of this state relating to the powers and procedures of domestic private corporations formed for profit shall apply to domestic stock insurers ...
• Florida Insurance Code Section 628.051; Application for permit to form insurer; contents; fee.
  (1) No domestic insurer shall be formed unless the persons so proposing have received a permit from the office. (2) Written application for such permit ...
• Florida Insurance Code Section 628.061; Investigation of proposed organization.
  In connection with any proposal to incorporate a domestic insurer, the office shall make an investigation of: (1) The character, reputation, financial standing, and motives ...
• Florida Insurance Code Section 628.071; Granting, denial of permit.
  (1) The office shall expeditiously examine and investigate the application for a permit as referred to in s. 628.051. If the office finds that: (...
• Florida Insurance Code Section 628.081; Incorporation of domestic insurer.
  (1) Five or more individuals, none of whom is less than 18 years of age, may incorporate a stock insurer; 10 or more individuals, none ...
• Florida Insurance Code Section 628.091; Filing, approval of articles of incorporation.
  (1) No domestic stock or mutual insurer shall be formed unless its articles of incorporation are approved by the office prior to filing the same ...
• Florida Insurance Code Section 628.101; Amendment of certificate of incorporation; stock insurer.
  A domestic stock insurer shall not amend its certificate of incorporation until a copy of the proposed amendment has been filed with and approved by ...
• Florida Insurance Code Section 628.111; Amendment of articles of incorporation; mutual insurer.
  (1) A domestic mutual insurer may amend its articles of incorporation by vote of a majority of those members present or represented by proxy at ...
• Florida Insurance Code Section 628.121; Capital stock; amount; payment.
  (1) The articles of incorporation of a stock insurer shall provide for authorized capital in an amount not less than that required under this code. (...
• Florida Insurance Code Section 628.131; Limitation on organization and stock sales expenses.
  (1) The total expense involved in the incorporation and financing of a new domestic stock insurer, including incorporation fees, underwriting fees and costs, attorneys' fees, ...
• Florida Insurance Code Section 628.151; Insurance business exclusive.
  (1) No domestic insurer shall engage directly or indirectly in any business other than the insurance business and business activities reasonably and necessarily incidental to ...
• Florida Insurance Code Section 628.152; Domestic stock insurers; proxies, consents, and authorizations with respect to any voting security.
  (1) The commission may, by rule, prescribe the form, content, and manner of solicitation of any proxy, consent, or authorization with respect to any voting ...
• Florida Insurance Code Section 628.161; Initial qualifications; mutuals.
  (1) When newly organized, a mutual insurer may be authorized to transact any of the kinds of insurance listed in the schedule contained in subsection (...
• Florida Insurance Code Section 628.171; Formation of mutual insurer; bond.
  The incorporators of the proposed insurer shall file with the office a copy of a fidelity bond or insurance policy providing coverage in an amount ...
• Florida Insurance Code Section 628.221; Bylaws of mutual insurer.
  (1) The initial board of directors of a domestic mutual insurer shall adopt original bylaws, subject to the approval of the insurer's members at ...
• Florida Insurance Code Section 628.231; Directors.
  (1) The affairs of every domestic insurer shall be managed by not less than five directors. (2) Directors must be elected by the members or ...
• Florida Insurance Code Section 628.251; Management and exclusive agency contracts.
  (1) No domestic mutual insurer or stock insurer shall make any contract whereby any person is granted or is to enjoy in fact the management ...
• Florida Insurance Code Section 628.255; Person with effective control cannot receive commission unless contract approved; penalties.
  (1) No director, officer, or other person having effective control of a domestic insurer shall receive, and no such insurer shall pay to such person, ...
• Florida Insurance Code Section 628.261; Notice of change of director or officer.
  An insurer shall give the office written notice of any change of personnel among the directors or principal officers of the insurer within 45 days ...
• Florida Insurance Code Section 628.271; Office and records; penalty for unlawful removal of records.
  (1) Every domestic insurer shall have an office in this state and shall keep therein complete records of its assets, transactions, and affairs, specifically including: (...
• Florida Insurance Code Section 628.281; Exceptions to requirement that office, records, and assets be maintained in this state.
  (1) The provisions of s. 628.271 shall not be deemed to prohibit or prevent an insurer from: (a) Establishing and maintaining branch offices or ...
• Florida Insurance Code Section 628.291; Unauthorized transactions in other states.
  (1) No domestic insurer shall enter into a contract of insurance upon the life or person of a resident of a reciprocal state or covering ...
• Florida Insurance Code Section 628.301; Membership in mutual insurer.
  (1) Each policyholder of a domestic mutual insurer, other than of a reinsurance contract, is a member of the insurer with all rights and obligations ...
• Florida Insurance Code Section 628.341; Nonassessable policies; mutual insurers.
  (1) While possessing surplus funds in amount not less than the paid-in capital stock required of a domestic stock insurer transacting like kinds of ...
• Florida Insurance Code Section 628.351; Nonassessable policies; revocation of authority of mutual insurer.
  The office shall revoke the authority of a domestic mutual insurer to issue policies without contingent liability if at any time the insurer's assets ...
• Florida Insurance Code Section 628.361; Participating policies.
  (1) If provided in its certificate of incorporation, a domestic stock or domestic mutual insurer may issue any or all of its policies with or ...
• Florida Insurance Code Section 628.371; Dividends to stockholders.
  (1) A domestic stock insurer shall not pay any dividend or distribute cash or other property to stockholders except out of that part of its ...
• Florida Insurance Code Section 628.381; Dividends to mutual policyholders.
  (1) The directors of a domestic mutual insurer may from time to time apportion and pay or credit to its members dividends only out of ...
• Florida Insurance Code Section 628.391; Illegal dividends; penalty.
  (1) Any director of a domestic stock or mutual insurer who knowingly votes for or concurs in declaration or payment of a dividend to stockholders ...
• Florida Insurance Code Section 628.401; Borrowed surplus.
  (1) A domestic stock or mutual insurer may borrow money to defray the expenses of its organization, to provide itself with surplus funds, or for ...
• Florida Insurance Code Section 628.411; Impairment of capital or assets.
  (1) If a domestic stock insurer's capital, as represented by the aggregate par value of its outstanding capital stock, becomes impaired, or if the ...
• Florida Insurance Code Section 628.421; Assessment of stockholders or members.
  (1) Any insurer receiving the notice of the office mentioned in s. 628.411(1): (a) If a stock insurer, by resolution of its board ...
• Florida Insurance Code Section 628.431; Mutualization of stock insurers.
  (1) A stock insurer other than a title insurer may become a mutual insurer under such plan and procedure as may be approved by the ...
• Florida Insurance Code Section 628.441; Converting mutual insurer.
  (1) A mutual insurer may become a stock insurer under such plan and procedure as may be approved by the office. (2) The office shall ...
• Florida Insurance Code Section 628.451; Merger or share exchange of stock insurers and other entities.
  (1) Notwithstanding general limitations on the ability of corporations to merge with other types of entities, a merger may be effected between or among one ...
• Florida Insurance Code Section 628.461; Acquisition of controlling stock.
  (1) No person shall, individually or in conjunction with any affiliated person of such person, acquire directly or indirectly, conclude a tender offer or exchange ...
• Florida Insurance Code Section 628.4615; Specialty insurers; acquisition of controlling stock, ownership interest, assets, or control; merger or consolidation.
  (1) For the purposes of this section, the term "specialty insurer" means any person holding a license or certificate of authority as: (a) A motor ...
• Florida Insurance Code Section 628.471; Mergers; mutual insurers.
  (1) A domestic mutual insurer shall not merge with a stock insurer. (2) A domestic mutual insurer may merge with another mutual insurer under the ...
• Florida Insurance Code Section 628.481; Bulk reinsurance; stock insurers.
  (1) A domestic stock insurer may reinsure all or substantially all of its insurance in force or a major class thereof, with another insurer by ...
• Florida Insurance Code Section 628.491; Mergers and consolidations; mutual insurers; agreement of bulk reinsurance.
  (1) A domestic mutual insurer may reinsure all or substantially all its business in force, or all or substantially all of a major class thereof, ...
• Florida Insurance Code Section 628.501; Mutual member's share of assets on liquidation.
  (1) Upon any liquidation of a domestic mutual insurer, its assets remaining after discharge of its indebtedness, policy obligations, repayment of contributed or borrowed surplus, ...
• Florida Insurance Code Section 628.511; Book entry accounting system.
  (1) The purpose of this section is to authorize domestic insurers to utilize modern systems for holding and transferring securities without physical delivery of securities ...
• Florida Insurance Code Section 628.520; Change of domicile of a foreign insurer.
  Any insurer which is organized under the laws of any other state for the purpose of writing insurance may become a domestic insurer by complying ...
• Florida Insurance Code Section 628.525; Change of domicile of a domestic insurer.
  Any domestic insurer may, upon the approval of the office, transfer its domicile to any other state in which it is admitted to transact the ...
• Florida Insurance Code Section 628.530; Effects of redomestication.
  The certificate of authority, agents appointments and licenses, rates, and other items which the office or department allows, in its discretion, which are in existence ...
• Florida Insurance Code Section 628.535; Authority to adopt rules.
  The commission may adopt rules pursuant to ss. 120.536(1) and 120.54 to implement the provisions of this ...
• Florida Insurance Code Section 628.6011; Assessable mutual insurers.
  (1) An "assessable mutual insurer" is an insurer incorporated in Florida without permanent capital stock which has only policyholders, insureds, or risks located in Florida ...
• Florida Insurance Code Section 628.6012; Premiums written; restrictions.
  Assessable mutual insurers shall be subject to a cap on net annual premiums on the same basis and in the same manner as provided in ...
• Florida Insurance Code Section 628.6013; Converted self-insurance fund; trade association; board of directors.
  (1) Any self-insurance fund regulated under the insurance code other than a commercial self-insurance fund may, with the approval of a majority of ...
• Florida Insurance Code Section 628.6014; Annual reports.
  (1) An assessable mutual shall file a financial statement within 90 days of the end of its accounting year. The requirements of s. 624.470 ...
• Florida Insurance Code Section 628.6015; Tax on premiums, contributions, and assessments of assessable mutual insurers.
  Premiums, contributions, and assessments received by an assessable mutual insurer are subject to ss. 624.509(1) and (2) and 624.5092, except that the ...
• Florida Insurance Code Section 628.6016; Applicability of related laws.
  In addition to other provisions of the code cited in ss. 628.6011-628.6018: (1) Sections 624.155, 624.308, 624.414, 624.415, ...
• Florida Insurance Code Section 628.6017; Converting assessable mutual insurer.
  (1) An assessable mutual insurer may become a stock insurer by filing an application which complies with s. 628.051 and by submitting a plan ...
• Florida Insurance Code Section 628.6018; Assessments.
  (1) Any assessment made by an insurer under this part is prima facie correct. The amount of such assessment to be paid by each member ...
• Florida Insurance Code Section 628.701; Scope.
  This part applies only to domestic mutual insurance holding ...
• Florida Insurance Code Section 628.703; Definitions.
  For purposes of this part: (1) "Mutual insurance holding company" means an incorporated entity without permanent capital stock that is organized under this part and ...
• Florida Insurance Code Section 628.705; Prohibition of stock transfers.
  (1) The voting shares of the capital stock of a subsidiary insurance company, which are required by this part in order to maintain a majority ...
• Florida Insurance Code Section 628.707; Applicability of general corporation statutes.
  The applicable statutes of this state relating to the powers and procedures of domestic private corporations formed for profit shall apply to domestic mutual insurance ...
• Florida Insurance Code Section 628.709; Formation of a mutual insurance holding company.
  (1) A domestic mutual insurance company, other than a mutual insurer that issued assessable policies as a mutual insurer and which held a certificate of ...
• Florida Insurance Code Section 628.711; Plan of reorganization.
  (1) A plan of reorganization shall include the following provisions: (a) A description of the structure of the mutual insurance holding company system consistent with ...
• Florida Insurance Code Section 628.713; Dividends.
  A mutual insurance holding company shall not be authorized to pay dividends or make distributions to mutual insurance holding company members except as may be ...
• Florida Insurance Code Section 628.715; Merger and acquisitions.
  Subject to applicable requirements of this chapter, a mutual insurance holding company may: (1)(a) Merge or consolidate with, or acquire the assets of, a ...
• Florida Insurance Code Section 628.717; Filing of articles of incorporation.
  (1) No mutual insurance holding company shall be formed unless its articles of incorporation are approved by the office prior to filing the same with ...
• Florida Insurance Code Section 628.719; Amendment of articles of incorporation.
  (1) A domestic mutual insurance holding company may amend its articles of incorporation by vote of a majority of those members present or represented by ...
• Florida Insurance Code Section 628.721; Bylaws.
  (1) The initial board of directors of a mutual insurance holding company shall adopt original bylaws, subject to the approval of the company's members ...
• Florida Insurance Code Section 628.723; Directors.
  (1) The affairs of every mutual insurance holding company shall be managed by not less than five directors. (2) Directors must be elected by the ...
• Florida Insurance Code Section 628.725; Notice of change of director or officer.
  A mutual insurance holding company shall give the office written notice of any change of personnel among the directors or principal officers of the mutual ...
• Florida Insurance Code Section 628.727; Membership.
  (1) Membership in a mutual insurance holding company shall be determined in accordance with the mutual insurance holding company's articles of incorporation and bylaws ...
• Florida Insurance Code Section 628.729; Member's share of assets on voluntary dissolution.
  (1) Upon any voluntary dissolution of a domestic mutual insurance holding company, its assets remaining after discharge of its indebtedness, if any, and expenses of ...
• Florida Insurance Code Section 628.730; Merger with intermediate holding company.
  (1) A mutual insurance holding company may, pursuant to a plan and agreement of merger approved by the office, in accordance with s. 628.715(...
• Florida Insurance Code Section 628.731; Application of holding company statutes and regulations.
  Each reorganized subsidiary insurance company shall be subject to the applicable laws and rules of this state relating to insurance holding company systems. A mutual ...
• Florida Insurance Code Section 628.733; Converting mutual insurance holding company.
  (1) A mutual insurance holding company may become a stock holding company under such plan and procedure as may be approved by the office. (2) ...
• Florida Insurance Code Section 628.801; Insurance holding companies; registration; regulation.
  Every insurer which is authorized to do business in this state and which is a member of an insurance holding company shall register with the ...
• Florida Insurance Code Section 628.802; Injunction.
  (1) Whenever it appears to the office that any insurer or any director, officer, or employee thereof, or appears to the department that any agent ...
• Florida Insurance Code Section 628.803; Sanctions.
  (1) Any company failing, without just cause, to file any registration statement or certificate of exemption required to be filed pursuant to commission rules relating ...
• Florida Insurance Code Section 628.901; "Captive insurer" defined.
  For the purposes of this part, except as provided in s. 628.903, a "captive insurer" is a domestic insurer established under part I to ...
• Florida Insurance Code Section 628.903; "Industrial insured captive insurer" defined.
  For purposes of this part: (1) An "industrial insured" means an insured which: (a) Has gross assets in excess of $50 million; (b) Procures insurance ...
• Florida Insurance Code Section 628.905; Licensing; authority.
  (1) Any captive insurer, when permitted by its charter or articles of incorporation, may apply to the office for a license to provide commercial property, ...
• Florida Insurance Code Section 628.907; Minimum capital and surplus.
  No captive insurer shall be issued a license unless it possesses and thereafter maintains: (1) Unimpaired paid-in capital of at least $500,000; and (...
• Florida Insurance Code Section 628.909; Applicability of other laws.
  (1) The Florida Insurance Code shall not apply to captive insurers or industrial insured captive insurers except as provided in this part and subsections (2) ...
• Florida Insurance Code Section 628.911; Reports and statements.
  (1) A captive insurer shall not be required to make any annual report except as provided in this section. (2) A captive insurer shall, within ...
• Florida Insurance Code Section 628.913; Reinsurance.
  (1)(a) A ceding captive insurer may reinsure all or any part of any particular risk or class of risks with: 1. An assuming insurer ...
• Florida Insurance Code Section 628.915; Exemption from compulsory association.
  (1) No captive insurer shall be permitted to join or contribute financially to any joint underwriting association or guaranty fund in this state; nor shall ...
• Florida Insurance Code Section 628.917; Insolvency and liquidation.
  In the event that a captive insurer is insolvent as defined in chapter 631, the office shall liquidate the captive insurer pursuant to the provisions ...
• Florida Insurance Code Section 629.011; "Reciprocal insurance" defined.
  "Reciprocal insurance" is that resulting from an interexchange among persons, known as "subscribers," of reciprocal agreements of indemnity, the interexchange being effectuated through an "attorney ...
• Florida Insurance Code Section 629.021; "Reciprocal insurer" defined.
  A "reciprocal insurer" means an unincorporated aggregation of subscribers operating individually and collectively through an attorney in fact to provide reciprocal insurance among ...
• Florida Insurance Code Section 629.031; Scope of chapter.
  All authorized reciprocal insurers shall be governed by those sections of this chapter not expressly made applicable to domestic reciprocal ...
• Florida Insurance Code Section 629.041; Insuring powers of reciprocals.
  (1) A reciprocal insurer may transact any kind of insurance other than life or title. (2) Such an insurer may purchase reinsurance, and may grant ...
• Florida Insurance Code Section 629.051; Name; suits.
  A reciprocal insurer shall: (1) Have and use a business name. The name shall include the word "reciprocal," or "interinsurer," or "interinsurance," or "exchange," or "...
• Florida Insurance Code Section 629.061; Attorney.
  (1) "Attorney," as used in this chapter, refers to the attorney in fact of a reciprocal insurer. The attorney may be an individual, corporation, or ...
• Florida Insurance Code Section 629.071; Surplus funds required.
  (1) A domestic reciprocal insurer hereunder formed, if it has otherwise complied with the applicable provisions of this code, may be authorized to transact insurance ...
• Florida Insurance Code Section 629.081; Organization of reciprocal insurer.
  (1) Twenty-five or more persons domiciled in this state may organize a domestic reciprocal insurer and make application to the office for a certificate ...
• Florida Insurance Code Section 629.091; Certificate of authority.
  The certificate of authority of a reciprocal insurer shall be issued to its attorney in the name of the ...
• Florida Insurance Code Section 629.101; Power of attorney.
  (1) The rights and powers of the attorney of a reciprocal insurer shall be as provided in the power of attorney given it by the ...
• Florida Insurance Code Section 629.111; Modifications.
  Modifications of the terms of the subscribers' agreement or of the power of attorney of a domestic reciprocal insurer shall be made jointly by the ...
• Florida Insurance Code Section 629.121; Attorney's bond.
  (1) Concurrently with the filing of the declaration provided for in s. 629.081, the attorney of a domestic reciprocal insurer shall file with the ...
• Florida Insurance Code Section 629.131; Deposit in lieu of bond.
  In lieu of the bond required under s. 629.121, the attorney may maintain on deposit with the department a like amount in value of ...
• Florida Insurance Code Section 629.141; Action on bond.
  Action on the attorney's bond or to recover against any such deposit made in lieu thereof may be brought at any time by one ...
• Florida Insurance Code Section 629.161; Contributions to insurer.
  The attorney or other parties may advance to a domestic reciprocal insurer upon reasonable terms such funds as it may require from time to time ...
• Florida Insurance Code Section 629.171; Annual statement.
  (1) The annual statement of a reciprocal insurer shall be made and filed by its attorney. (2) The statement shall be supplemented by such information ...
• Florida Insurance Code Section 629.181; Financial condition; method of determining.
  In determining the financial condition of a reciprocal insurer, the office shall apply the following rules: (1) The surplus deposits of subscribers shall be allowed ...
• Florida Insurance Code Section 629.191; Who may be subscribers.
  Individuals, partnerships, and corporations of this state may make applications for, enter into agreements for, and hold policies or contracts in or with, and be ...
• Florida Insurance Code Section 629.201; Subscribers' advisory committee.
  (1) The advisory committee of a domestic reciprocal insurer exercising the subscribers' rights shall be selected under such rules as the subscribers adopt. (2) Not ...
• Florida Insurance Code Section 629.211; Subscribers' liability.
  (1) The liability of each subscriber, other than as to a nonassessable policy, for the obligations of the reciprocal insurer shall be an individual, several, ...
• Florida Insurance Code Section 629.221; Subscribers' liability; on judgment.
  (1) No action shall lie against any subscriber upon any obligation claimed against the insurer until a final judgment has been obtained against the insurer ...
• Florida Insurance Code Section 629.231; Assessments.
  (1) Assessments may from time to time be levied upon subscribers of a domestic reciprocal insurer liable therefor under the terms of their policies by ...
• Florida Insurance Code Section 629.241; Time limit for assessments.
  Every subscriber of a domestic reciprocal insurer having contingent liability shall be liable for, and shall pay his or her share of, any assessment, as ...
• Florida Insurance Code Section 629.251; Aggregate liability.
  No one policy or subscriber as to such policy shall be assessed or charged with an aggregate of contingent liability as to obligations incurred by ...
• Florida Insurance Code Section 629.261; Nonassessable policies.
  (1) If a reciprocal insurer has a surplus as to policyholders required of a domestic stock insurer authorized to transact like kinds of insurance, upon ...
• Florida Insurance Code Section 629.271; Distribution of savings.
  A reciprocal insurer may from time to time return to its subscribers any unused premiums, savings, or credits accruing to their accounts. Any such distribution ...
• Florida Insurance Code Section 629.281; Subscribers' share in assets.
  Upon the liquidation of a domestic reciprocal insurer, its assets remaining after discharge of its indebtedness and policy obligations, the return of any contributions of ...
• Florida Insurance Code Section 629.291; Merger or conversion.
  (1) A domestic reciprocal insurer, upon affirmative vote of not less than two-thirds of its subscribers who vote on such merger pursuant to due ...
• Florida Insurance Code Section 629.301; Impaired reciprocal insurers.
  (1) If the assets of a domestic reciprocal insurer are at any time insufficient to discharge its liabilities, other than any liability on account of ...
• Florida Insurance Code Section 629.401; Insurance exchange.
  (1) There may be created one or more insurance exchanges, with one or more offices each, subject to such rules as are adopted by the ...
• Florida Insurance Code Section 629.5011; Tax on premiums.
  Premiums and assessments received by reciprocal insurers are subject to any premium tax provided for in s. 624....
• Florida Insurance Code Section 629.520; Authority of a limited reciprocal insurer.
  The authority of any limited reciprocal insurer to accept new business or renewals shall not continue beyond October 1, 1992; however, such limited reciprocal insurer ...
• Florida Insurance Code Section 630.011; Scope of chapter.
  This chapter applies only to the trusteed assets of an alien insurer using Florida as a state of entry for transaction of insurance in the ...
• Florida Insurance Code Section 630.021; Required deposit of assets.
  (1) An alien insurer may use Florida as a state of entry to transact insurance in the United States by making and maintaining in this ...
• Florida Insurance Code Section 630.031; Existing trusts.
  All trusts of trusteed assets heretofore created and now existing shall be continued under the instruments creating them, unless inconsistent with the provisions of this ...
• Florida Insurance Code Section 630.041; Purpose and duration.
  The deposit required by s. 630.021 shall be for the benefit, security, and protection of the policyholders, or policyholders and creditors, of the insurer ...
• Florida Insurance Code Section 630.051; Trust agreement; approval; amendment.
  (1) The deposit referred to in s. 630.021 shall be made under a written trust agreement between the insurer and the trustee, consistent with ...
• Florida Insurance Code Section 630.061; Authority to execute trust agreement.
  An alien insurer proposing to use Florida as a state of entry to transact business of insurance in the United States, whether or not it ...
• Florida Insurance Code Section 630.071; Requirements and contents of trust agreement.
  Trusteed assets of an alien insurer held in this state under this chapter shall be subject to, and the trust agreement shall make provisions consistent ...
• Florida Insurance Code Section 630.081; Withdrawal of assets, in general.
  (1) The trust agreement shall provide, in substance, that no withdrawals of trusteed assets shall be made by the insurer or permitted by the trustee ...
• Florida Insurance Code Section 630.091; Statement of trustee.
  (1) The trustee or trustees of trusteed assets shall from time to time file with the office statements, in such form as it may designate ...
• Florida Insurance Code Section 630.101; Examination of assets.
  The office may from time to time examine trusteed assets of any insurer in accordance with the same conditions and procedures governing the examination of ...
• Florida Insurance Code Section 630.111; Canadian insurers.
  The provisions of this chapter applicable to a United States manager shall, in the case of insurers domiciled in Canada, be deemed to refer to ...
• Florida Insurance Code Section 630.121; Domestication of alien insurer; definitions.
  (1) "Domestication" as used in ss. 630.131-630.161 means the reorganization of the United States branch of an alien insurer as the result ...
• Florida Insurance Code Section 630.131; Domestication procedure.
  (1) Upon compliance with ss. 630.131-630.161, any alien insurer authorized to do business in this state which owns beneficially, directly or indirectly, ...
• Florida Insurance Code Section 630.141; Domestication agreement; authorization; execution.
  (1) The domestication agreement referred to in s. 630.131 shall be authorized, adopted, approved, signed, and acknowledged by the alien insurer in accordance with ...
• Florida Insurance Code Section 630.151; Office approval of domestication agreement.
  An executed counterpart of the domestication agreement, together with certified copies of the corporate proceedings of the domestic insurer and the alien insurer, approving, adopting, ...
• Florida Insurance Code Section 630.161; Consummation of domestication; transfer of assets and deposits.
  (1) Upon the filing with the office of a certified copy of the instrument of transfer and assumption pursuant to which a domestic insurer succeeds ...
• Florida Insurance Code Section 631.001; Title, construction, and purpose.
  (1) This part constitutes and may be cited as the "Insurers Rehabilitation and Liquidation Act." (2) This part shall be liberally construed to effect the ...
• Florida Insurance Code Section 631.011; Definitions.
  For the purpose of this part, the term: (1) "Affiliate" means any entity which exercises control over or is controlled by the insurer, directly or ...
• Florida Insurance Code Section 631.015; Reciprocity; treatment of policyholders.
  Reciprocity in the treatment of policyholders in receivership is extended to those states which, in substance and effect, enact the National Association of Insurance Commissioners ...
• Florida Insurance Code Section 631.021; Jurisdiction of delinquency proceeding; venue; change of venue; exclusiveness of remedy; appeal.
  (1) The circuit court shall have original jurisdiction of any delinquency proceeding under this chapter, and any court with jurisdiction is authorized to make all ...
• Florida Insurance Code Section 631.025; Persons subject to this part.
  Delinquency proceedings authorized by this part may be initiated against any insurer, as defined in s. 631.011(15), if the statutory grounds are present ...
• Florida Insurance Code Section 631.031; Initiation and commencement of delinquency proceeding.
  (1) Upon a determination by the office that one or more grounds for the initiation of delinquency proceedings exist pursuant to this chapter and that ...
• Florida Insurance Code Section 631.041; Automatic stay; relief from stay; injunctions.
  (1) An application or petition under s. 631.031 operates as a matter of law as an automatic stay applicable to all persons and entities, ...
• Florida Insurance Code Section 631.042; Extension of time.
  (1) With respect to any action by or against an insurer, no statute of limitations or defense of laches shall run between the date the ...
• Florida Insurance Code Section 631.051; Grounds for rehabilitation; domestic insurers.
  The department may petition for an order directing it to rehabilitate a domestic insurer or an alien insurer domiciled in this state on any one ...
• Florida Insurance Code Section 631.0515; Appointment of receiver; insurance holding company.
  A delinquency proceeding pursuant to this chapter constitutes the sole and exclusive method of dissolving, liquidating, rehabilitating, reorganizing, conserving, or appointing a receiver of a ...
• Florida Insurance Code Section 631.061; Grounds for liquidation.
  The department may apply to the court for an order appointing it as receiver (if its appointment as receiver is not then in effect) and ...
• Florida Insurance Code Section 631.071; Grounds for conservation; foreign insurers.
  The department may apply to the court for an order appointing it as receiver or ancillary receiver, and directing it to conserve the assets within ...
• Florida Insurance Code Section 631.081; Grounds for conservation; alien insurers.
  The department may apply to the court for an order appointing it as receiver or ancillary receiver, and directing it to conserve the assets within ...
• Florida Insurance Code Section 631.091; Grounds for ancillary liquidation; foreign insurers.
  The department may apply to the circuit court for an order appointing it as ancillary receiver of, and directing it to liquidate the business and ...
• Florida Insurance Code Section 631.101; Order of rehabilitation; termination.
  (1) An order to rehabilitate a domestic insurer shall direct the department forthwith to take possession of the property of the insurer and to conduct ...
• Florida Insurance Code Section 631.111; Order of liquidation; domestic insurers.
  (1) An order to liquidate the business of a domestic insurer shall direct the department forthwith to take immediate possession of the property of the ...
• Florida Insurance Code Section 631.112; Subordination of claims for noncooperation.
  If an ancillary receiver or another person performing the duties associated with an ancillary receiver in another state or foreign country fails to transfer to ...
• Florida Insurance Code Section 631.121; Order of liquidation; alien insurers.
  An order to liquidate the business of a United States branch of an alien insurer having trusteed assets in this state shall be in the ...
• Florida Insurance Code Section 631.131; Order of conservation or ancillary liquidation of foreign or alien insurers.
  (1) An order to conserve the assets of a foreign or alien insurer shall require the department forthwith to take possession of the property of ...
• Florida Insurance Code Section 631.141; Conduct of delinquency proceeding; domestic and alien insurers.
  (1) Whenever under this chapter a receiver is to be appointed in a delinquency proceeding for a domestic or alien insurer, the court shall appoint ...
• Florida Insurance Code Section 631.152; Conduct of delinquency proceeding; foreign insurers.
  (1) Whenever under this chapter an ancillary receiver is to be appointed in a delinquency proceeding for an insurer not domiciled in this state, the ...
• Florida Insurance Code Section 631.153; Intervention; exclusiveness of claims procedure.
  No person shall be allowed to intervene in any delinquency proceeding in this state brought under this chapter for the purpose of seeking or obtaining ...
• Florida Insurance Code Section 631.154; Funds, assets, or other property in the possession of third person.
  (1) If the receiver determines that funds, assets, or property in the possession of another person are rightfully the property of the estate, the receiver ...
• Florida Insurance Code Section 631.155; Agents' balances; premiums and unearned commissions.
  Premiums and unearned commissions which have been collected on behalf of an insurer by an agent, agency, or other entity or person constitute an asset ...
• Florida Insurance Code Section 631.156; Investigation by the department; scope of authority; sharing of materials.
  (1) The department may, under the direction and supervision of the receivership court, conduct an investigation to determine the causes of the insolvency, including whether ...
• Florida Insurance Code Section 631.157; Civil action by the receiver.
  (1) Any person who is engaged in the business of insurance, is or acts as an officer, director, agent, or employee of any person engaged ...
• Florida Insurance Code Section 631.161; Claims of nonresidents against insurers domiciled in this state.
  (1) In a liquidation proceeding begun in this state against an insurer domiciled in this state, claimants residing in foreign countries or in states which ...
• Florida Insurance Code Section 631.171; Claims of residents against insurers domiciled in reciprocal states.
  (1) In a liquidation proceeding in a reciprocal state against an insurer domiciled in that state, if a notice to file claims has been issued ...
• Florida Insurance Code Section 631.181; Filing and proof of claim.
  (1)(a) Proof of a claim shall be filed with the receiver in the form required by subsection (2) on or before the last day ...
• Florida Insurance Code Section 631.182; Receiver claims report and claimants objections procedure.
  (1) As soon as it has evaluated claims filed in the delinquency proceeding, the receiver shall report the claims to the circuit court, specifying in ...
• Florida Insurance Code Section 631.191; Special deposit claims and secured claims.
  (1) The owners of special deposit claims against an insurer against which a liquidation order has been entered in this or any other state shall ...
• Florida Insurance Code Section 631.192; Allowance of certain claims.
  (1) No claim based upon a contract of insurance, suretyship, or indemnity may be allowed or paid from the assets of an insurer in process ...
• Florida Insurance Code Section 631.193; Releases.
  The filing of a claim constitutes a release of the insured from liability to the claimant to the extent of the coverage or policy limits ...
• Florida Insurance Code Section 631.201; Attachment and garnishment of assets.
  During the pendency of a delinquency proceeding in this or any reciprocal state, no action or proceeding in the nature of an attachment, garnishment, or ...
• Florida Insurance Code Section 631.205; Reinsurance proceeds.
  All reinsurance proceeds payable under a contract of reinsurance to which the insolvent insurer is a party are to be paid directly to the domiciliary ...
• Florida Insurance Code Section 631.206; Arbitration.
  If an insurer in receivership has entered into an agreement containing an arbitration provision for resolution of disputes, that provision is void and shall be ...
• Florida Insurance Code Section 631.221; Deposit of moneys collected.
  The moneys collected by the department in a proceeding under this chapter shall be deposited in a qualified public depository as defined in s. 280....
• Florida Insurance Code Section 631.231; Exemption from fees.
  The department or office shall not be required to pay any fee to any public officer in this state for filing, recording, issuing a transcript ...
• Florida Insurance Code Section 631.241; Borrowing on pledge of assets.
  For the purpose of facilitating the rehabilitation, liquidation, conservation, or dissolution of an insurer pursuant to this chapter, the department may, subject to the approval ...
• Florida Insurance Code Section 631.251; Date rights fixed on liquidation.
  Except as provided in ss. 631.192 and 631.252, the rights and liabilities of the insurer and its creditors, policyholders, stockholders, members, and subscribers ...
• Florida Insurance Code Section 631.252; Continuation of coverage.
  (1) All insurance policies or similar contracts of coverage, other than coverages defined in s. 631.713 or health maintenance organization coverage under part IV, ...
• Florida Insurance Code Section 631.261; Voidable transfers.
  (1)(a) Any transfer of, or lien upon, the property of an insurer or affiliate which is made or created within 4 months prior to ...
• Florida Insurance Code Section 631.262; Transfers prior to petition.
  (1) Every transfer made or suffered and every obligation incurred by an insurer or affiliate within 1 year prior to the filing of a successful ...
• Florida Insurance Code Section 631.263; Transfers after petition.
  (1) After the original petition is filed in any delinquency proceeding, a transfer of any of the real property of the insurer made to a ...
• Florida Insurance Code Section 631.271; Priority of claims.
  (1) The priority of distribution of claims from the insurer's estate shall be in accordance with the order in which each class of claims ...
• Florida Insurance Code Section 631.281; Offsets.
  (1) In all cases of mutual debts or mutual credits between the insurer and another person in connection with any action or proceeding under this ...
• Florida Insurance Code Section 631.311; Report and petition for assessment.
  Within 3 years after the date of the entry of an order of rehabilitation or liquidation of a domestic mutual insurer or a domestic reciprocal ...
• Florida Insurance Code Section 631.321; Order and levy of assessment.
  (1) Upon the filing and reading of the report and petition provided for in s. 631.311, the court, ex parte, may order the department ...
• Florida Insurance Code Section 631.331; Assessment prima facie correct; notice; payment; proceeding to collect.
  (1) Any assessment of a subscriber or member of an insurer made by the department pursuant to the order of court fixing the aggregate amount ...
• Florida Insurance Code Section 631.341; Notice of insolvency to policyholders by insurer, general agent, or agent.
  (1) The receiver shall, immediately after appointment in any delinquency proceeding against an insurer in which the policies have been canceled, give written notice of ...
• Florida Insurance Code Section 631.361; Seizure under court order.
  (1) Upon filing by the department in the circuit court in and for Leon County of its verified petition alleging any ground for a formal ...
• Florida Insurance Code Section 631.371; Seizure under order of the department.
  (1) Upon the department filing a verified petition with any circuit judge of the proper judicial circuit as required by s. 631.021(2), which ...
• Florida Insurance Code Section 631.391; Cooperation of officers and employees.
  (1) Any officer, director, manager, trustee, agent, adjuster, employee, or independent contractor of any insurer or affiliate and any other person who possesses any executive ...
• Florida Insurance Code Section 631.3915; Actions for damages.
  The department, in its capacity as administrator, receiver, or similar capacity, may pursue any actions for damages or other recoveries on behalf of the insurer'...
• Florida Insurance Code Section 631.392; Immunity.
  There shall be no liability on the part of, and no cause of action of any nature shall arise against, the Chief Financial Officer, the ...
• Florida Insurance Code Section 631.395; Guaranty fund; orders of court.
  Any order of liquidation issued pursuant to s. 631.111 or s. 631.131 shall authorize and direct the department as receiver to coordinate the ...
• Florida Insurance Code Section 631.397; Use of certain marshaled assets.
  (1) Within 120 days of a final determination of insolvency of an insurer by a court of competent jurisdiction of this state, the department, as ...
• Florida Insurance Code Section 631.398; Prevention of insolvencies.
  To aid in the detection and prevention of insurer insolvencies or impairments: (1) Any member insurer; agent, employee, or member of the board of directors; ...
• Florida Insurance Code Section 631.399; Receiver's right to recover distributions made to affiliate.
  (1) If an order for liquidation or rehabilitation of an insurer domiciled in this state has been entered, the receiver appointed under such order has ...
• Florida Insurance Code Section 631.50; Title.
  This part shall be known and may be cited as the "Florida Insurance Guaranty Association ...
• Florida Insurance Code Section 631.51; Purposes.
  The purposes of this part are to: (1) Provide a mechanism for the payment of covered claims under certain insurance policies to avoid excessive delay ...
• Florida Insurance Code Section 631.52; Scope.
  This part shall apply to all kinds of direct insurance, except: (1) Life, annuity, health, or disability insurance; (2) Mortgage guaranty, financial guaranty, or other ...
• Florida Insurance Code Section 631.53; Construction.
  This part shall be liberally construed to effect the purposes set forth in s. 631.51, which shall constitute an aid and guide to ...
• Florida Insurance Code Section 631.54; Definitions.
  As used in this part: (1) "Account" means any one of the three accounts created by s. 631.55. (2) "Association" means the Florida Insurance ...
• Florida Insurance Code Section 631.55; Creation of the association.
  (1) There is created a nonprofit corporation to be known as the "Florida Insurance Guaranty Association, Incorporated." All insurers defined as member insurers in s. ...
• Florida Insurance Code Section 631.56; Board of directors.
  (1) The board of directors of the association shall consist of not less than five or more than nine persons serving terms as established in ...
• Florida Insurance Code Section 631.57; Powers and duties of the association.
  (1) The association shall: (a)1. Be obligated to the extent of the covered claims existing: a. Prior to adjudication of insolvency and arising within ...
• Florida Insurance Code Section 631.58; Plan of operation.
  (1)(a) The association shall submit to the department a proposed plan of operation and any amendments thereto necessary or suitable to assure the fair, ...
• Florida Insurance Code Section 631.59; Duties and powers of department and office.
  (1) The department shall notify the association of the existence of an insolvent insurer not later than 3 days after it receives notice of the ...
• Florida Insurance Code Section 631.60; Effect of paid claims.
  (1) Any person recovering under this part shall be deemed to have assigned her or his rights under the policy to the association to the ...
• Florida Insurance Code Section 631.61; Nonduplication of recovery.
  (1) Any person having a claim against an insurer under any provision in an insurance policy other than a policy of an insolvent insurer which ...
• Florida Insurance Code Section 631.62; Prevention of insolvencies.
  To aid in the detection and prevention of insurer insolvencies: (1) It shall be the duty of the board of directors, upon majority vote, to ...
• Florida Insurance Code Section 631.63; Examination of the association.
  The association shall be subject to examination and regulation by the department. The board of directors shall submit, not later than March 30 of each ...
• Florida Insurance Code Section 631.64; Recognition of assessments in rates.
  The rates and premiums charged for insurance policies to which this part applies may include amounts sufficient to recoup a sum equal to the amounts ...
• Florida Insurance Code Section 631.65; Prohibited advertisement or solicitation.
  No person shall make, publish, disseminate, circulate, or place before the public, or cause, directly or indirectly, to be made, published, disseminated, circulated, or placed ...
• Florida Insurance Code Section 631.66; Immunity.
  There shall be no liability on the part of, and no cause of action of any nature shall arise against, any member insurer, the association ...
• Florida Insurance Code Section 631.67; Stay of proceedings; reopening of default judgments.
  All proceedings in which the insolvent insurer is a party or is obligated to defend a party in any court or before any quasi-judicial ...
• Florida Insurance Code Section 631.68; Limitation; certain actions.
  A covered claim as defined herein with respect to which settlement is not effected and suit is not instituted against the insured of an insolvent ...
• Florida Insurance Code Section 631.695; Revenue bond issuance through counties or municipalities.
  (1) The Legislature finds: (a) The potential for widespread and massive damage to persons and property caused by hurricanes making landfall in this state can ...
• Florida Insurance Code Section 631.70; Attorney's fee.
  The provisions of s. 627.428 providing for an attorney's fee shall not be applicable to any claim presented to the association under the ...
• Florida Insurance Code Section 631.711; Short title.
  This part may be cited as the "Florida Life and Health Insurance Guaranty Association ...
• Florida Insurance Code Section 631.712; Purpose; construction.
  The purpose of this part is to protect policyowners, insureds, beneficiaries, annuitants, payees, and assignees of life insurance policies, health insurance policies, annuity contracts, and ...
• Florida Insurance Code Section 631.713; Application of part.
  (1) This part shall apply to direct life insurance policies, health insurance policies, annuity contracts, and supplemental contracts with or without life contingencies issued by ...
• Florida Insurance Code Section 631.714; Definitions.
  As used in this part, the term: (1) "Account" means any of the three accounts created in s. 631.715. (2) "Association" means the Florida ...
• Florida Insurance Code Section 631.715; Florida Life and Health Insurance Guaranty Association.
  (1) There is created a nonprofit legal entity to be known as the Florida Life and Health Insurance Guaranty Association. All member insurers shall be ...
• Florida Insurance Code Section 631.716; Board of directors.
  (1) The board of directors of the association shall be comprised of not fewer than five nor more than nine member insurers, serving terms as ...
• Florida Insurance Code Section 631.717; Powers and duties of the association.
  (1) If a domestic insurer is an impaired insurer, the association may, subject to the approval of the impaired insurer and the department: (a) Guarantee ...
• Florida Insurance Code Section 631.718; Assessments.
  (1) For the purpose of providing the funds necessary to carry out the powers and duties of the association, the board of directors shall assess ...
• Florida Insurance Code Section 631.72; Premium or income tax credits for assessments paid.
  (1) A member insurer may offset against either its premium tax liabilities imposed under s. 624.509 or its corporate income tax liabilities imposed under ...
• Florida Insurance Code Section 631.721; Plan of operation.
  (1)(a) The association shall submit to the department a proposed plan of operation and any amendments thereto necessary or suitable to assure the fair, ...
• Florida Insurance Code Section 631.722; Powers and duties of department and office.
  (1) The office shall: (a) Upon request of the board of directors, provide the association with a statement of the premiums in each of the ...
• Florida Insurance Code Section 631.723; Prevention of insolvencies.
  To aid in the detection and prevention of insurer insolvencies or impairments: (1) The board of directors may, upon majority vote, make reports and recommendations ...
• Florida Insurance Code Section 631.724; Records and meetings of association.
  Records shall be kept of all negotiations and meetings in which the association or its representatives discuss the activities of the association in carrying out ...
• Florida Insurance Code Section 631.725; Examination of the association; annual report.
  The association shall be subject to examination and regulation by the department. The board of directors shall submit to the department, not later than May ...
• Florida Insurance Code Section 631.726; Tax exemptions.
  The association shall be exempt from payment of all fees and all taxes levied by this state or any of its subdivisions, except taxes levied ...
• Florida Insurance Code Section 631.727; Immunity.
  There shall be no liability on the part of, and no cause of action of any nature shall arise against, any member insurer or its ...
• Florida Insurance Code Section 631.728; Extent of liability of association.
  For the purpose of carrying out its obligations under this part, the association shall be deemed to be a creditor of the impaired or insolvent ...
• Florida Insurance Code Section 631.729; Liability of insureds for unpaid assessments.
  No provision of this part shall be construed to reduce the liability for unpaid assessments of the insureds of an impaired or insolvent insurer operating ...
• Florida Insurance Code Section 631.731; Liquidation, rehabilitation, or conservation proceedings; distributions.
  (1) Prior to the termination of any liquidation, rehabilitation, or conservation proceeding, the court may take into consideration the contributions of the respective parties, including ...
• Florida Insurance Code Section 631.733; Stay of proceedings.
  All proceedings in which the insolvent insurer is a party in any court in this state shall be stayed 60 days from the date an ...
• Florida Insurance Code Section 631.734; Reopening default judgments.
  As to judgment under any decision, order, verdict, or finding based on default, the association may apply to have such judgment set aside by the ...
• Florida Insurance Code Section 631.735; Prohibited advertisement of Florida Life and Health Insurance Guaranty Association Act in sale of insurance.
  No person shall make, publish, disseminate, circulate, or place before the public, or cause directly or indirectly to be made, published, disseminated, circulated, or placed ...
• Florida Insurance Code Section 631.737; Rescission and review generally.
  The association shall review claims and matters regarding covered policies based upon the record available to it on and after the date of liquidation. Notwithstanding ...
• Florida Insurance Code Section 631.811; Short title.
  This part may be cited as the "Florida Health Maintenance Organization Consumer Assistance ...
• Florida Insurance Code Section 631.812; Purpose; construction.
  The purpose of this part is to protect the subscribers of HMOs, subject to certain limitations, against the failure of the HMO to perform its ...
• Florida Insurance Code Section 631.813; Application of part.
  This part shall apply to HMO contractual obligations to residents of Florida by HMOs possessing a valid certificate of authority issued as provided by part ...
• Florida Insurance Code Section 631.814; Definitions.
  As used in this part, the term: (1) "Plan" means the Florida Health Maintenance Organization Consumer Assistance Plan created by this part. (2) "Board" means ...
• Florida Insurance Code Section 631.815; Florida Health Maintenance Organization Consumer Assistance Plan.
  There is created a nonprofit legal entity to be known as the Florida Health Maintenance Organization Consumer Assistance Plan. All HMOs shall be and must ...
• Florida Insurance Code Section 631.816; Board of directors.
  (1) The board of directors of the plan shall consist of not less than five or more than nine persons serving terms as established in ...
• Florida Insurance Code Section 631.817; Eligibility.
  (1) Except as provided in subsection (2), any person of this state who has lost their health care coverage provided in an HMO due to ...
• Florida Insurance Code Section 631.818; Powers and duties of the plan.
  (1) In the event that an HMO is insolvent, the plan shall: (a) Guarantee, reinsure, assume, or provide coverage for or cause to be guaranteed, ...
• Florida Insurance Code Section 631.819; Assessments.
  (1) For the purposes of providing the funds necessary to carry out the powers and duties of the plan, the board of directors shall assess ...
• Florida Insurance Code Section 631.820; Plan of operation.
  (1) The plan shall submit to the office a proposed plan of operation and any amendments thereto necessary or suitable to assure the fair, reasonable, ...
• Florida Insurance Code Section 631.821; Powers and duties of the department.
  (1) The office may suspend or revoke, after notice and hearing, the certificate of authority of a member HMO that fails to pay an assessment ...
• Florida Insurance Code Section 631.822; Records of plan.
  Records shall be kept of all meetings of the board and transactions under which the plan or its representatives carry out the plan's powers ...
• Florida Insurance Code Section 631.823; Examination of the plan; annual report.
  The plan shall be subject to examination and regulation by the office. The board of directors shall submit to the office and the department, not ...
• Florida Insurance Code Section 631.824; Tax exemptions.
  The plan shall be exempt from payment of all fees and all taxes levied by this state or any of its subdivisions, except taxes levied ...
• Florida Insurance Code Section 631.825; Immunity.
  There shall be no liability on the part of, and no cause of action of any nature shall arise against, any member HMO or its ...
• Florida Insurance Code Section 631.826; Extent of liability of plan.
  For the purpose of carrying out its obligations under this part, the plan shall be deemed to be a priority creditor of the insolvent HMO. ...
• Florida Insurance Code Section 631.827; Prohibited advertisement.
  No person, including an HMO, agent, or affiliate of an HMO shall make, publish, disseminate, circulate, or place before the public, or cause, directly or ...
• Florida Insurance Code Section 631.828; Assessments against member HMOs; income tax credit for assessments paid.
  Any provisions of the law to the contrary notwithstanding, a member HMO may offset against its corporate income tax liability or other liabilities, on an ...
• Florida Insurance Code Section 631.901; Title.
  This part may be cited as the "Florida Workers' Compensation Insurance Guaranty Association ...
• Florida Insurance Code Section 631.902; Purposes.
  The purposes of this part are to: (1) Create a not-for-profit Florida Workers' Compensation Insurance Guaranty Association, Incorporated, to provide a mechanism for ...
• Florida Insurance Code Section 631.903; Construction.
  The statutes controlling the corporation shall be construed liberally to achieve the purposes stated in s. 631.902. The corporation shall perform its functions under ...
• Florida Insurance Code Section 631.904; Definitions.
  As used in this part, the term: (1) "Corporation" means the Florida Workers' Compensation Insurance Guaranty Association, Incorporated. (2) "Covered claim" means an unpaid claim, ...
• Florida Insurance Code Section 631.911; Creation of the Florida Workers' Compensation Insurance Guaranty Association, Incorporated; merger; effect of merger.
  (1)(a) The Florida Self-Insurance Fund Guaranty Association established in former part V of chapter 631 and the workers' compensation insurance account, which includes ...
• Florida Insurance Code Section 631.912; Board of directors.
  (1) The board of directors of the corporation shall consist of 11 persons, 1 of whom is the insurance consumer advocate appointed under s. 627....
• Florida Insurance Code Section 631.913; Powers and duties of the corporation.
  (1) The corporation is obligated to the extent of the full amount of the covered claims: (a) Existing before the adjudication of insolvency and arising ...
• Florida Insurance Code Section 631.914; Assessments.
  (1)(a) To the extent necessary to secure the funds for the payment of covered claims, and also to pay the reasonable costs to administer ...
• Florida Insurance Code Section 631.916; Plan of operation.
  The board of directors shall prepare and submit to the department a plan of operation and any amendments to the plan which are necessary or ...
• Florida Insurance Code Section 631.917; Prevention of insolvencies.
  To aid in the detection and prevention of insolvencies or impairments: (1)(a) The board may make reasonable and lawful investigation into the practices of ...
• Florida Insurance Code Section 631.918; Immunity.
  There is no liability on the part of, and a cause of action may not arise against, the corporation, its agents or employees, or members ...
• Florida Insurance Code Section 631.919; Prohibited advertisement of solicitation.
  A person may not make, publish, disseminate, advertise, circulate, or place before the public, or cause, directly or indirectly, to be made, published, disseminated, circulated, ...
• Florida Insurance Code Section 631.921; Department powers.
  The corporation shall be subject to examination by the department. By March 1 of each year, the board of directors shall cause a financial report ...
• Florida Insurance Code Section 631.922; Liability of members of an impaired self-insurance fund for unpaid claims.
  This act may not be construed to reduce the liability of a member of an impaired self-insurance fund for the member's liability under ...
• Florida Insurance Code Section 631.923; Effect of paid claims.
  (1) Any person who recovers under this part is considered to have assigned his or her rights under the policy to the corporation to the ...
• Florida Insurance Code Section 631.924; Stay of proceedings; reopening of default judgments.
  All proceedings in which the insolvent insurer or self-insurance fund is a party or is obligated to defend a party in any court or ...
• Florida Insurance Code Section 631.926; Attorney's fees.
  The provisions of s. 627.428 providing for an attorney's fee are inapplicable to any claim presented to the corporation under this part, unless ...
• Florida Insurance Code Section 631.927; Assumption of liability.
  Notwithstanding s. 631.913, the corporation shall assume the liability for the payment of the workers' compensation indemnity and medical benefits that are due to ...
• Florida Insurance Code Section 631.928; Florida Workers' Compensation Insurance Guaranty Association Account.
  Notwithstanding the provisions of s. 215.3207, the Florida Workers' Compensation Insurance Guaranty Association Account is hereby created, to be managed by the Florida Workers' ...
• Florida Insurance Code Section 631.929; Election of remedies.
  An injured worker who has a date of accident which occurred before January 1, 1994, and is not receiving benefits due under chapter 440 due ...
• Florida Insurance Code Section 631.931; Reports and recommendations by board; public records exemption.
  Reports and recommendations made by the Board of Directors of the Florida Workers' Compensation Insurance Guaranty Association under s. 631.917 upon any matter germane ...
• Florida Insurance Code Section 631.932; Negotiations; public meetings and records exemptions.
  Negotiations held between an insurer and the Florida Workers' Compensation Insurance Guaranty Association are exempt from the provisions of s. 286.011 and s. 24(...
• Florida Insurance Code Section 632.601; "Fraternal benefit society" defined.
  Any incorporated society, order, or supreme lodge, without capital stock, including one exempted under the provisions of s. 632.637(1)(b), whether incorporated or ...
• Florida Insurance Code Section 632.602; "Lodge system" defined.
  (1) A society is operating on the lodge system if it has a supreme governing body and subordinate lodges into which members are elected, initiated, ...
• Florida Insurance Code Section 632.603; "Representative form of government" defined.
  A society has a "representative form of government" when: (1) It has a supreme governing body constituted in one of the following ways: (a) Assembly.--...
• Florida Insurance Code Section 632.604; Terms used.
  Whenever used in this chapter: (1) "Benefit contract" means the agreement for provision of benefits authorized by s. 632.617, as that agreement is described ...
• Florida Insurance Code Section 632.605; Purposes and powers.
  (1) A society shall operate for the benefit of members and their beneficiaries by: (a) Providing benefits as specified in s. 632.617; and (b) ...
• Florida Insurance Code Section 632.606; Qualifications for membership.
  (1) A society shall specify in its laws or rules: (a) Eligibility standards for each and every class of membership, provided that if benefits are ...
• Florida Insurance Code Section 632.607; Location of office; meetings; communications to members; grievance procedures.
  (1) The principal office of any domestic society shall be located in this state. The meetings of its supreme governing body may be held in ...
• Florida Insurance Code Section 632.608; No personal liability.
  (1) The officers and members of the supreme governing body or of any subordinate body of a society shall not be personally liable for any ...
• Florida Insurance Code Section 632.609; Waiver prohibited.
  The laws of the society shall provide that no subordinate body, nor any of its subordinate officers or members, shall have the power or authority ...
• Florida Insurance Code Section 632.611; Organization.
  A domestic society organized on or after June 24, 1986, shall be formed as follows: (1) Seven or more citizens of the United States, a ...
• Florida Insurance Code Section 632.612; Amendments to laws.
  (1) A domestic society may amend its laws in accordance with the provisions thereof by action of its supreme governing body at any regular or ...
• Florida Insurance Code Section 632.613; Institutions.
  A society may create, maintain, and operate, or may establish organizations to operate, not-for-profit institutions to further the purposes permitted by s. 632....
• Florida Insurance Code Section 632.614; Reinsurance.
  (1) A domestic society may, by a reinsurance agreement, cede any individual risk or risks in whole or in part to an insurer, other than ...
• Florida Insurance Code Section 632.615; Consolidations and mergers.
  (1) A domestic society may not consolidate or merge with any other insurer other than another society. It may consolidate or merge with another society ...
• Florida Insurance Code Section 632.616; Conversion of fraternal benefit society into mutual life insurance company.
  Any domestic fraternal benefit society may be converted and licensed as a mutual life insurance company by compliance with all the requirements of chapter 628. ...
• Florida Insurance Code Section 632.617; Benefits.
  (1) A society may provide the following contractual benefits: (a) Death benefits; (b) Endowment benefits; (c) Annuity benefits; (d) Temporary or permanent disability benefits; (e) ...
• Florida Insurance Code Section 632.618; Beneficiaries.
  (1) The owner of a benefit contract shall have the right at all times to change the beneficiary or beneficiaries in accordance with the laws ...
• Florida Insurance Code Section 632.619; Benefits not attachable.
  No money or other benefit, charity, relief, or aid to be paid, provided, or rendered by any society, shall be subject to attachment, garnishment, or ...
• Florida Insurance Code Section 632.621; The benefit contract.
  (1) Every society authorized to do business in this state shall issue to each owner of a benefit contract a certificate with an identifying number ...
• Florida Insurance Code Section 632.622; Nonforfeiture benefits, cash surrender values, certificate loans, and other options.
  (1) For certificates issued prior to October 1, 1982, the value of every paid-up nonforfeiture benefit and the amount of any cash surrender value, ...
• Florida Insurance Code Section 632.623; Investments.
  A society shall invest its funds only in such investments as are authorized by the laws of this state for the investment of assets of ...
• Florida Insurance Code Section 632.624; Funds.
  (1) All assets shall be held, invested, and disbursed for the use and benefit of the society, and no member or beneficiary shall have or ...
• Florida Insurance Code Section 632.625; Exemptions.
  Societies shall be governed by the provisions of this chapter and shall be exempt from all other provisions of the Florida Insurance Code unless those ...
• Florida Insurance Code Section 632.626; Taxation.
  Except as otherwise provided in this chapter, every society organized or licensed under this chapter is hereby declared to be a charitable and benevolent institution, ...
• Florida Insurance Code Section 632.627; Valuation.
  (1) Standards of valuation for certificates issued prior to October 1, 1982, shall be those provided by the laws applicable immediately prior to said date. (...
• Florida Insurance Code Section 632.628; Reports.
  (1) Reports shall be filed in accordance with the provisions of this section. Every society transacting business in this state shall annually, on or before ...
• Florida Insurance Code Section 632.629; Annual license.
  (1) A fraternal benefit society may not transact business in this state unless authorized therefor under a subsisting license issued to the society by the ...
• Florida Insurance Code Section 632.631; Examination of societies; no adverse publications.
  (1) The office, or any person it may appoint, may examine any domestic, foreign, or alien society transacting or applying for admission to transact business ...
• Florida Insurance Code Section 632.632; Foreign or alien society; admission.
  No foreign or alien society shall transact business in this state without a license issued by the office. Any such society desiring admission to this ...
• Florida Insurance Code Section 632.633; Additional grounds for suspension, revocation, or denial of certificate of authority; receivership; insolvency.
  (1) In addition to the grounds set forth in s. 624.418, the office may, in its discretion, suspend, revoke, or deny the certificate of ...
• Florida Insurance Code Section 632.634; Licensing and appointment of agents.
  (1) Agents of societies shall be licensed and appointed in accordance with the provisions of the Florida Insurance Code regulating the licensing, appointment, examination, revocation, ...
• Florida Insurance Code Section 632.635; Unfair and deceptive acts and practices.
  Every society authorized to do business in this state shall be subject to the provisions of the Unfair Insurance Trade Practices Act as provided in ...
• Florida Insurance Code Section 632.636; Violations; penalties.
  (1) The provisions of s. 624.15 shall apply with respect to: (a) Any person who willfully makes a false or fraudulent statement in or ...
• Florida Insurance Code Section 632.637; Exemption of certain societies.
  (1) Nothing contained in this chapter shall be so construed as to affect or apply to: (a) Grand or subordinate lodges of societies, orders, or ...
• Florida Insurance Code Section 632.638; Applicability of other code provisions.
  In addition to other provisions contained or referred to in this chapter, the following chapters and provisions of this code apply to fraternal benefit societies, ...
• Florida Insurance Code Section 633.01; State Fire Marshal; powers and duties; rules.
  (1) The Chief Financial Officer is designated as "State Fire Marshal." The State Fire Marshal has authority to adopt rules pursuant to ss. 120.536(...
• Florida Insurance Code Section 633.02; Agents; powers and duties; compensation.
  The State Fire Marshal shall appoint such agents as may be necessary to carry out effectively the provisions of this chapter, who shall be reimbursed ...
• Florida Insurance Code Section 633.021; Definitions.
  As used in this chapter: (1) "Board" means the Florida Fire Safety Board. (2) "Certificate" means a certificate of competency issued by the State Fire ...
• Florida Insurance Code Section 633.0215; Florida Fire Prevention Code.
  (1) The State Fire Marshal shall adopt, by rule pursuant to ss. 120.536(1) and 120.54, the Florida Fire Prevention Code which shall ...
• Florida Insurance Code Section 633.022; Uniform firesafety standards.
  The Legislature hereby determines that to protect the public health, safety, and welfare it is necessary to provide for firesafety standards governing the construction and ...
• Florida Insurance Code Section 633.024; Legislative findings and intent; ensuring effective fire protection of vulnerable nursing home residents essential; retrofit of existing nursing homes expedited by limited state loan guarantee; funding through Insurance Regulatory Trust Fund.
  (1) It is the intent of the Legislature to promote the essential public purpose of ensuring effective fire protection for the safety and welfare of ...
• Florida Insurance Code Section 633.0245; State Fire Marshal Nursing Home Fire Protection Loan Guarantee Program.
  (1) The State Fire Marshal, with the assistance of the Division of Treasury of the Department of Financial Services, may enter into an investment agreement ...
• Florida Insurance Code Section 633.025; Minimum firesafety standards.
  (1) The Florida Fire Prevention Code and the Life Safety Code adopted by the State Fire Marshal, which shall operate in conjunction with the Florida ...
• Florida Insurance Code Section 633.026; Informal interpretations of the Florida Fire Prevention Code.
  The Division of State Fire Marshal shall by rule establish an informal process of rendering nonbinding interpretations of the Florida Fire Prevention Code. The Division ...
• Florida Insurance Code Section 633.03; Investigation of fire; reports.
  The State Fire Marshal shall investigate the cause, origin, and circumstances of every fire occurring in this state wherein property has been damaged or destroyed ...
• Florida Insurance Code Section 633.052; Ordinances relating to firesafety; definitions; penalties.
  (1) As used in this section: (a) A "firesafety inspector" is an individual certified by the Division of State Fire Marshal, officially assigned the duties ...
• Florida Insurance Code Section 633.061; Fire suppression equipment; license to install or maintain.
  (1) It is unlawful for any organization or individual to engage in the business of servicing, repairing, recharging, testing, marking, inspecting, installing, or hydrotesting any ...
• Florida Insurance Code Section 633.065; Requirements for installation, inspection, and maintenance of fire suppression equipment.
  (1) The requirements for installation of fire extinguishers and preengineered systems are as follows: (a) Fire equipment dealers shall be licensed under s. 633.061. (...
• Florida Insurance Code Section 633.071; Standard service tag required on all fire extinguishers and preengineered systems; serial number required on all portable fire extinguishers; standard inspection tags required on all fire protection systems.
  (1) The State Fire Marshal shall adopt by rule specifications as to the size, shape, color, and information and data contained thereon of service tags ...
• Florida Insurance Code Section 633.081; Inspection of buildings and equipment; orders; firesafety inspection training requirements; certification; disciplinary action.
  The State Fire Marshal and her or his agents shall, at any reasonable hour, when the department has reasonable cause to believe that a violation ...
• Florida Insurance Code Section 633.082; Inspection of fire control systems, fire hydrants, and fire protection systems.
  (1) The State Fire Marshal shall have the right to inspect any fire control system during and after construction to determine that such system meets ...
• Florida Insurance Code Section 633.083; Sale or use of certain types of fire extinguishers prohibited; penalty.
  (1)(a) It is unlawful to have for use any of the following types of fire extinguishers: 1. Carbon tetrachloride; 2. Chlorobromomethane; 3. Dibromodifluoromethane (commonly ...
• Florida Insurance Code Section 633.085; Inspections of state buildings and premises; tests of firesafety equipment; building plans to be approved.
  (1)(a) It is the duty of the State Fire Marshal and her or his agents to inspect, or cause to be inspected, each state-...
• Florida Insurance Code Section 633.101; Hearings; investigations; investigatory powers of State Fire Marshal; costs of service and witness fees.
  (1) The State Fire Marshal may in his or her discretion take or cause to be taken the testimony on oath of all persons whom ...
• Florida Insurance Code Section 633.111; State Fire Marshal to keep records of fires; reports of agents.
  The State Fire Marshal shall keep in her or his office a record of all fires occurring in this state upon which she or he ...
• Florida Insurance Code Section 633.115; Fire and Emergency Incident Information Reporting Program; duties; fire reports.
  (1)(a) The Fire and Emergency Incident Information Reporting Program is created within the Division of State Fire Marshal. The program shall: 1. Establish and ...
• Florida Insurance Code Section 633.121; Persons authorized to enforce laws and rules of State Fire Marshal.
  The chiefs of county, municipal, and special-district fire departments; other fire department personnel designated by their respective chiefs; and personnel designated by local governments ...
• Florida Insurance Code Section 633.13; State Fire Marshal; authority of agents.
  The authority given the State Fire Marshal under this law may be exercised by his or her agents, either individually or in conjunction with any ...
• Florida Insurance Code Section 633.14; Agents; powers to make arrests, conduct searches and seizures, serve summonses, and carry firearms.
  Agents of the State Fire Marshal shall have the same authority to serve summonses, make arrests, carry firearms, and make searches and seizures, as the ...
• Florida Insurance Code Section 633.15; State Fire Marshal; chapter and rules; force and effect.
  This chapter and all rules promulgated by the State Fire Marshal hereunder shall have the same force and effect in each municipality, county, and special ...
• Florida Insurance Code Section 633.151; Impersonating State Fire Marshal, firefighters, or firesafety inspector; criminal penalties.
  A person who falsely assumes or pretends to be the State Fire Marshal, an agent of the Division of State Fire Marshal, a firefighter as ...
• Florida Insurance Code Section 633.161; Violations; orders to cease and desist, correct hazardous conditions, preclude occupancy, or vacate; enforcement; penalties.
  (1) If it is determined by the department that a violation specified in this subsection exists, the State Fire Marshal or her or his deputy ...
• Florida Insurance Code Section 633.162; Fire suppression system contractors; disciplinary action.
  (1) The violation of any provision of this chapter or any rule adopted and promulgated pursuant hereto or the failure or refusal to comply with ...
• Florida Insurance Code Section 633.163; Administrative fine in lieu of suspension, revocation, or refusal to issue a license, permit, or certificate.
  (1) If the State Fire Marshal finds that one or more grounds exist for the suspension, revocation, or refusal to issue, renew, or continue any ...
• Florida Insurance Code Section 633.167; Probation.
  (1) If the State Fire Marshal finds that one or more grounds exist for the suspension, revocation, or refusal to issue, renew, or continue any ...
• Florida Insurance Code Section 633.171; Penalty for violation of law, rule, or order to cease and desist or for failure to comply with corrective order.
  (1) Any person who violates any provision of this law, any order or rule of the State Fire Marshal, or any order to cease and ...
• Florida Insurance Code Section 633.175; Investigation of fraudulent insurance claims and crimes; immunity of insurance companies supplying information.
  (1) The State Fire Marshal or an agent appointed pursuant to s. 633.02, any law enforcement officer as defined in s. 111.065, any ...
• Florida Insurance Code Section 633.18; State Fire Marshal; hearings and investigations; subpoena of witnesses; orders of circuit court.
  Any agent designated by the State Fire Marshal for such purposes, may hold hearings, sign and issue subpoenas, administer oaths, examine witnesses, receive evidence, and ...
• Florida Insurance Code Section 633.30; Standards for firefighting; definitions.
  As used in this chapter, the term: (1) "Firefighter" means any person initially employed as a full-time professional firefighter by any employing agency, as ...
• Florida Insurance Code Section 633.31; Firefighters Employment, Standards, and Training Council.
  (1) There is created within the department a Firefighters Employment, Standards, and Training Council of 13 members. Two members shall be fire chiefs appointed by ...
• Florida Insurance Code Section 633.32; Organization; meetings; quorum; compensation; seal.
  (1) The council shall elect to 1-year terms a chair and a vice chair. No person shall serve more than two consecutive terms in ...
• Florida Insurance Code Section 633.33; Special powers; firefighter training.
  The council shall have special powers in connection with the employment and training of firefighters to: (1) Recommend, for adoption by the division, uniform minimum ...
• Florida Insurance Code Section 633.34; Firefighters; qualifications for employment.
  Any person applying for employment as a firefighter must: (1) Be a high school graduate or the equivalent, as the term may be determined by ...
• Florida Insurance Code Section 633.35; Firefighter training and certification.
  (1) The division shall establish a firefighter training program of not less than 360 hours, administered by such agencies and institutions as it approves for ...
• Florida Insurance Code Section 633.351; Disciplinary action; firefighters; standards for revocation of certification.
  (1) The certification of a firefighter shall be revoked if evidence is found that the certification was improperly issued by the division or if evidence ...
• Florida Insurance Code Section 633.352; Retention of firefighter certification.
  Any certified firefighter who has not been active as a firefighter, or as a volunteer firefighter with an organized fire department, for a period of ...
• Florida Insurance Code Section 633.353; Falsification of qualifications.
  Any person who willfully and knowingly falsifies the qualifications of a new employee to the Bureau of Fire Standards and Training of the division is ...
• Florida Insurance Code Section 633.37; Payment of tuition by employing agency.
  An employing agency is authorized to pay part or all of the costs of tuition of trainees in attendance at approved training ...
• Florida Insurance Code Section 633.38; Inservice training and promotion; participation.
  (1)(a) The division shall by rules and regulations prescribe curricula and standards for advanced and specialized training courses and training in addition to those ...
• Florida Insurance Code Section 633.382; Firefighters; supplemental compensation.
  (1) DEFINITIONS.--As used in this section, the term: (a) "Employing agency" means any municipality or any county, the state, or any political subdivision of ...
• Florida Insurance Code Section 633.39; Gifts and grants.
  The division may accept for any of its purposes and functions any donations of property and grants of money from any governmental unit, public agency, ...
• Florida Insurance Code Section 633.41; Saving clause.
  Firefighters employed on July 5, 1969, are not required to meet the provisions of ss. 633.34 and 633.35 as a condition of tenure ...
• Florida Insurance Code Section 633.42; Additional standards authorized.
  Nothing herein shall be construed to preclude an employing agency from establishing qualifications and standards for hiring, training, or promoting firefighters that exceed the minimum ...
• Florida Insurance Code Section 633.43; Florida State Fire College established.
  There is hereby established a state institution to be known as the Florida State Fire College, to be located at or near Ocala, Marion County. ...
• Florida Insurance Code Section 633.44; Purpose of fire college.
  The purposes of ss. 633.43-633.49 and of the Florida State Fire College shall be: (1) To provide professional and volunteer firefighters with ...
• Florida Insurance Code Section 633.445; State Fire Marshal Scholarship Grant Program.
  (1) All payments, gifts, or grants received pursuant to this section shall be deposited in the State Treasury to the credit of the Insurance Regulatory ...
• Florida Insurance Code Section 633.45; Division of State Fire Marshal; powers, duties.
  (1) The division shall: (a) Establish uniform minimum standards for the employment and training of firefighters. (b) Establish minimum curriculum requirements for schools operated by ...
• Florida Insurance Code Section 633.46; Fees.
  The division may fix and collect admission fees and other fees which it deems necessary to be charged for training given. All fees so collected ...
• Florida Insurance Code Section 633.461; Use of Insurance Regulatory Trust Fund.
  The funds received from the Insurance Regulatory Trust Fund shall be used by the staff of the Florida State Fire College to provide all necessary ...
• Florida Insurance Code Section 633.47; Procedure for making expenditures.
  No moneys shall be spent for and on behalf of the Florida State Fire College except upon a written voucher drawn by the division, stating ...
• Florida Insurance Code Section 633.48; Superintendent of college.
  The division may employ a superintendent for the Florida State Fire College, who shall be especially trained and qualified in firefighting, fire prevention and fire ...
• Florida Insurance Code Section 633.49; Buildings, equipment, and other facilities; use.
  The division shall have the power to prescribe and shall make the necessary rules and regulations for the use of buildings, equipment and other facilities ...
• Florida Insurance Code Section 633.50; Division powers and duties; Florida State Fire College.
  (1) The division, in performing its duties related to the Florida State Fire College, specified in ss. 633.43-633.49, shall: (a) Enter into ...
• Florida Insurance Code Section 633.511; Florida Fire Safety Board; membership.
  (1) The Florida Fire Safety Board is created consisting of seven members who are citizens and residents of this state. One shall be the State ...
• Florida Insurance Code Section 633.514; Board duties; meetings; officers; quorum; compensation; seal.
  (1) The board shall act in an advisory capacity to the State Fire Marshal and shall meet regularly as the need presents itself. The board ...
• Florida Insurance Code Section 633.517; Authority of State Fire Marshal to adopt rules, administer oaths, and take testimony.
  (1) The State Fire Marshal is authorized, with the advice of the board, to adopt rules pursuant to ss. 120.536(1) and 120.54 ...
• Florida Insurance Code Section 633.521; Certificate application and issuance; permit issuance; examination and investigation of applicant.
  (1) To obtain a certificate, an applicant shall submit to the State Fire Marshal an application in writing, on a form provided by the State ...
• Florida Insurance Code Section 633.524; Certificate and permit fees; use and deposit of collected funds.
  (1) The initial application fee for each class of certificate shall be $300. The biennial renewal fee for each class of certificate shall be $150. ...
• Florida Insurance Code Section 633.527; Records concerning applicant; extent of confidentiality.
  (1) Test material is made confidential by s. 119.071(1)(a). An applicant may waive in writing the confidentiality of his or her examination ...
• Florida Insurance Code Section 633.531; Certificate effective statewide; not transferable.
  When a certificateholder desires to engage in contracting in any area of the state, as a prerequisite therefor she or he shall only be required ...
• Florida Insurance Code Section 633.534; Issuance of certificate to individuals and business organizations.
  (1) When an individual proposes to do business in her or his own name, certifications, when granted, shall be issued only to that individual. (2) ...
• Florida Insurance Code Section 633.537; Certificate; expiration; renewal; inactive certificate; continuing education.
  (1) Certificates shall expire every 2 years at midnight on June 30. Effective with the June 30, 1998, renewal, all certificates must be renewed every ...
• Florida Insurance Code Section 633.539; Requirements for installation, inspection, and maintenance of fire protection systems.
  (1) The requirements for installation of fire protection systems are as follows: (a) Contractors of fire protection systems shall be certified under s. 633.521. (...
• Florida Insurance Code Section 633.541; Contracting without certificate prohibited; violations; penalty.
  (1) It is unlawful for any organization or individual to engage in the business of layout, fabrication, installation, inspection, alteration, repair, or service of a ...
• Florida Insurance Code Section 633.547; Disciplinary action; fire protection system contractors; grounds for denial, nonrenewal, suspension, or revocation of certificate or permit.
  (1) The State Fire Marshal shall investigate the alleged illegal action of any fire protection system contractor or permittee certified under this chapter and hold ...
• Florida Insurance Code Section 633.549; Violations subject to injunction.
  Any person who operates as a contractor without a current certificate or who violates any part of this chapter or any rule, decision, order, direction, ...
• Florida Insurance Code Section 633.551; County and municipal powers; effect of ch. 75-240.
  (1) Nothing in this act limits the power of a municipality or county to regulate the quality and character of work performed by contractors through ...
• Florida Insurance Code Section 633.554; Application of law regulating contracting and contractors.
  (1)(a) This chapter applies to any contractor performing work for the state or any county or municipality, as well as to contractors performing work ...
• Florida Insurance Code Section 633.557; Exemptions; farm outbuildings; standpipe systems installed by plumbing contractors.
  (1) This act does not apply to owners of property who are building or improving farm outbuildings. (2) A licensed plumbing contractor is not required ...
• Florida Insurance Code Section 633.60; Automatic fire sprinkler systems for one-family dwellings, two-family dwellings, and mobile homes.
  (1) It is unlawful for any person to engage in the business or act in the capacity of a contractor of automatic fire sprinkler systems ...
• Florida Insurance Code Section 633.70; Jurisdiction of State Fire Marshal over alarm system contractors and certified unlimited electrical contractors.
  (1) When the State Fire Marshal, in the course of its activities pursuant to s. 633.01(2), determines that an alarm system contractor or ...
• Florida Insurance Code Section 633.701; Requirements for fire alarm system equipment.
  The requirements for fire alarm system equipment are: (1) Equipment supplied shall be approved by a nationally recognized testing laboratory, and installed in accordance with ...
• Florida Insurance Code Section 633.702; Prohibited acts regarding alarm system contractors or certified unlimited electrical contractors; penalties.
  (1) It shall be unlawful for any person, directly or through an agent, to sell, offer for sale, or give any make, type, or model ...
• Florida Insurance Code Section 633.72; Florida Fire Code Advisory Council.
  (1) There is created within the department the Florida Fire Code Advisory Council with 11 members appointed by the State Fire Marshal. The council shall ...
• Florida Insurance Code Section 633.801; Short title.
  Sections 633.801-633.821 may be cited as the "Florida Firefighters Occupational Safety and Health ...
• Florida Insurance Code Section 633.802; Definitions.
  Unless the context clearly requires otherwise, the following definitions shall apply to ss. 633.801-633.821: (1) "Firefighter employee" means any person engaged in ...
• Florida Insurance Code Section 633.803; Legislative intent.
  It is the intent of the Legislature to enhance firefighter occupational safety and health in the state through the implementation and maintenance of policies, procedures, ...
• Florida Insurance Code Section 633.804; Safety inspections and consultations; rules.
  The division shall adopt rules governing the manner, means, and frequency of firefighter employer and firefighter employee safety inspections and consultations by all insurers and ...
• Florida Insurance Code Section 633.805; Division to make study of firefighter employee occupational diseases.
  The division shall make a continuous study of firefighter employee occupational diseases and the ways and means for their control and prevention and shall adopt ...
• Florida Insurance Code Section 633.806; Investigations by the division; refusal to admit; penalty.
  (1) The division shall make studies and investigations with respect to safety provisions and the causes of firefighter employee injuries in firefighter employee places of ...
• Florida Insurance Code Section 633.807; Safety; firefighter employer responsibilities.
  Every firefighter employer shall furnish and use safety devices and safeguards, adopt and use methods and processes reasonably adequate to render such an employment and ...
• Florida Insurance Code Section 633.808; Division authority.
  The division shall: (1) Investigate and prescribe by rule what safety devices, safeguards, or other means of protection must be adopted for the prevention of ...
• Florida Insurance Code Section 633.809; Firefighter employers whose firefighter employees have a high frequency of work-related injuries.
  The division shall develop a means by which the division may identify individual firefighter employers whose firefighter employees have a high frequency or severity of ...
• Florida Insurance Code Section 633.810; Workplace safety committees and safety coordinators.
  (1) In order to promote health and safety in firefighter employee places of employment in this state: (a) Each firefighter employer of 20 or more ...
• Florida Insurance Code Section 633.811; Firefighter employer penalties.
  If any firefighter employer violates or fails or refuses to comply with ss. 633.801-633.821, or with any rule adopted by the division ...
• Florida Insurance Code Section 633.812; Division cooperation with Federal Government; exemption from requirements for private firefighter employers.
  (1) The division shall cooperate with the Federal Government so that duplicate inspections will be avoided while at the same time ensuring safe firefighter employee ...
• Florida Insurance Code Section 633.813; Failure to implement a safety and health program; cancellations.
  If a firefighter employer that is found by the division to have a high frequency or severity of work-related injuries fails to implement a ...
• Florida Insurance Code Section 633.814; Expenses of administration.
  The amounts that are needed to administer ss. 633.801-633.821 shall be disbursed from the Insurance Regulatory Trust ...
• Florida Insurance Code Section 633.815; Refusal to admit; penalty.
  The division and authorized representatives of the division may enter and inspect any firefighter place of employment at any reasonable time for the purpose of ...
• Florida Insurance Code Section 633.816; Firefighter employee rights and responsibilities.
  (1) Each firefighter employee of a firefighter employer covered under ss. 633.801-633.821 shall comply with rules adopted by the division and with ...
• Florida Insurance Code Section 633.817; Compliance.
  Failure of a firefighter employer or an insurer to comply with ss. 633.801-633.821, or with any rules adopted under ss. 633.801-...
• Florida Insurance Code Section 633.818; False statements to insurers.
  A firefighter employer who knowingly and willfully falsifies or conceals a material fact, who makes a false, fictitious, or fraudulent statement or representation, or who ...
• Florida Insurance Code Section 633.819; Matters within jurisdiction of the division; false, fictitious, or fraudulent acts, statements, and representations prohibited; penalty; statute of limitations.
  A person may not, in any matter within the jurisdiction of the division, knowingly and willfully falsify or conceal a material fact; make any false, ...
• Florida Insurance Code Section 633.820; Volunteer firefighters.
  Sections 633.803-633.821 apply to volunteer firefighters and volunteer fire ...
• Florida Insurance Code Section 633.821; Workplace safety.
  (1) The division shall assist in making the firefighter employee place of employment a safer place to work and decreasing the frequency and severity of ...
• Florida Insurance Code Section 634.011; Definitions.
  As used in this part, the term: (1) "Acquisition cost" means all costs specifically associated with acquiring new business, including, but not limited to, underwriting ...
• Florida Insurance Code Section 634.021; Powers of department, commission, and office; rules.
  The office shall administer this act and the commission may adopt rules pursuant to ss. 120.536(1) and 120.54 to implement the provisions ...
• Florida Insurance Code Section 634.023; Part exclusive; applicability of other laws.
  (1) Except as provided in this part, motor vehicle service agreement companies shall be governed by the provisions of this part and shall be exempt ...
• Florida Insurance Code Section 634.031; License required.
  (1) A person may not transact, administer, or market, attempt to transact, administer, or market, or in any manner hold itself out as transacting, administering, ...
• Florida Insurance Code Section 634.041; Qualifications for license.
  To qualify for and hold a license to issue service agreements in this state, a service agreement company must be in compliance with this part, ...
• Florida Insurance Code Section 634.042; Prohibited investments and loans.
  A motor vehicle service agreement company shall not directly or indirectly invest in or lend its funds upon the security of any note or other ...
• Florida Insurance Code Section 634.044; Assets and liabilities.
  (1) ASSETS.--In any determination of the financial condition of a service agreement company, there shall be allowed as assets only those assets that are ...
• Florida Insurance Code Section 634.045; Guarantee agreements.
  In order to include receivables from affiliated companies as assets under s. 634.041, the motor vehicle service agreement company shall provide a written guarantee ...
• Florida Insurance Code Section 634.052; Required deposit.
  (1) To assure the faithful performance of its obligations to its members or subscribers, each motor vehicle service agreement company shall, prior to issuance of ...
• Florida Insurance Code Section 634.053; Levy upon deposit limited.
  A judgment creditor or other claimant of a motor vehicle service agreement company does not have the right to levy upon any of the assets ...
• Florida Insurance Code Section 634.061; Application for and issuance of license.
  (1) A sworn application for a license as a motor vehicle service agreement company shall be made to and filed with the office on forms ...
• Florida Insurance Code Section 634.071; License continuance.
  A license issued under this part shall continue in force as long as the motor vehicle service agreement company is entitled thereto under this part ...
• Florida Insurance Code Section 634.081; Suspension or revocation of license; grounds.
  (1) The office may, in its discretion, suspend or revoke the license of any motor vehicle service agreement company if it finds that the company ...
• Florida Insurance Code Section 634.095; Prohibited acts.
  Any service agreement company or salesperson that engages in one or more of the following acts is, in addition to any applicable denial, suspension, revocation, ...
• Florida Insurance Code Section 634.101; Order, notice of suspension or revocation of license; effect; publication.
  (1) Suspension or revocation of the license of a company shall be by the order of the office mailed to the company by registered or ...
• Florida Insurance Code Section 634.111; Duration of suspension; obligations of company during suspension period; reinstatement.
  (1) The suspension of the license of a company shall be for such period not to exceed 1 year as is fixed by the office ...
• Florida Insurance Code Section 634.121; Filing of forms, required procedures, provisions.
  (1) A service agreement form or related form may not be issued or used in this state unless it has been filed with and approved ...
• Florida Insurance Code Section 634.1213; Grounds for disapproval.
  The office may disapprove any service agreement form or service agreement company sales brochures filed under s. 634.121, or withdraw any previous approval thereof, ...
• Florida Insurance Code Section 634.1216; Rate filings.
  Each insurer and each motor vehicle service agreement company shall file with the office the rates, rating schedules, or rating manuals used, including all modifications ...
• Florida Insurance Code Section 634.131; Tax on premiums and assessments.
  Premiums and assessments received by insurers or service agreement companies and taxed under this section are not subject to any premium tax provided for in ...
• Florida Insurance Code Section 634.136; Office records required.
  Each licensed motor vehicle service contract company, as a minimum requirement for permanent office records, shall maintain: (1) A complete set of accounting records, including, ...
• Florida Insurance Code Section 634.137; Financial and statistical reporting requirements.
  (1) Each service agreement company shall submit to the office financial reports on forms prescribed by the commission and furnished by the office as follows: (...
• Florida Insurance Code Section 634.141; Examination of companies.
  Motor vehicle service agreement companies licensed under this part shall be subject to periodic examination by the office in the same manner and subject to ...
• Florida Insurance Code Section 634.151; Service of process; appointment of commissioner as process agent.
  (1) Each company applying for authority to transact business in this state, whether domestic or foreign, shall file with the office its appointment of the ...
• Florida Insurance Code Section 634.161; Service of process; method.
  (1) Service of process upon the Chief Financial Officer as process agent of the company shall be made by serving copies in triplicate of the ...
• Florida Insurance Code Section 634.171; Salesperson to be licensed and appointed.
  Salespersons for motor vehicle service agreement companies and insurers shall be licensed, appointed, renewed, continued, reinstated, or terminated as prescribed in chapter 626 for insurance ...
• Florida Insurance Code Section 634.181; Grounds for compulsory refusal, suspension, or revocation of license or appointment of salespersons.
  The department shall deny, suspend, revoke, or refuse to renew or continue the license or appointment of any such salesperson if it finds that as ...
• Florida Insurance Code Section 634.1815; Rebating; when allowed.
  (1) No salesperson shall rebate any portion of his or her commission except as follows: (a) The rebate shall be available to all consumers in ...
• Florida Insurance Code Section 634.191; Grounds for discretionary refusal, suspension, or revocation of license or appointment of salespersons.
  The department may, in its discretion, deny, suspend, revoke, or refuse to renew or continue the license or appointment of any salesperson if it finds ...
• Florida Insurance Code Section 634.201; Refusal, suspension, or revocation of license or appointment of salespersons.
  (1) If any salesperson is convicted by a court of a violation of this part or of an applicable provision of the Florida Insurance Code, ...
• Florida Insurance Code Section 634.211; Administrative fine in lieu of suspension or revocation of license or appointment.
  (1) If the department or office finds that one or more grounds exist for the suspension, revocation, or refusal to renew or continue any license ...
• Florida Insurance Code Section 634.221; Disposition of taxes and fees.
  All license taxes, taxes on premiums and assessments, registration fees, and administrative fines and penalties collected under this act from motor vehicle service agreement companies ...
• Florida Insurance Code Section 634.231; Insurance business not authorized.
  Nothing in the Florida Insurance Code or in this part shall be deemed to authorize any motor vehicle service agreement company to transact any insurance ...
• Florida Insurance Code Section 634.241; Prohibition against fronting.
  An authorized insurer or licensed motor vehicle service agreement company may not act as a fronting company for any unauthorized insurer or unlicensed motor vehicle ...
• Florida Insurance Code Section 634.242; Injunctive proceedings.
  In addition to the penalties and other enforcement provisions of this part, if any person violates s. 634.031 or s. 634.171 or any ...
• Florida Insurance Code Section 634.251; Penalty for violation.
  Any individual who knowingly makes a false or otherwise fraudulent application for license or appointment under this act, or who knowingly violates any provision thereof, ...
• Florida Insurance Code Section 634.2515; Penalty for selling agreements of a nonlicensed company.
  Any individual or entity who knowingly offers for sale or sells a motor vehicle service agreement of a company which has failed to comply with ...
• Florida Insurance Code Section 634.252; Acquisition.
  Every motor vehicle service agreement company shall be subject to the provisions of s. 628....
• Florida Insurance Code Section 634.253; Delinquency proceedings.
  (1) If any of the grounds for rehabilitation, liquidation, conservation, reorganization, seizure, or summary proceedings of an insurer as set forth in ss. 631.051, ...
• Florida Insurance Code Section 634.261; Voluntary compliance in lieu of suspension or revocation.
  The department or office may terminate an investigation or an action upon acceptance of the written assurance of a company or salesperson of voluntary compliance ...
• Florida Insurance Code Section 634.271; Civil remedy.
  (1) Any person damaged by a violation of the provisions of this part may bring a civil action against a person who violated such provisions, ...
• Florida Insurance Code Section 634.2815; Unfair methods of competition and unfair or deceptive acts or practices prohibited.
  No person may engage in this state in any trade practice which is defined in this part as, or determined pursuant to s. 634.282 ...
• Florida Insurance Code Section 634.282; Unfair methods of competition and unfair or deceptive acts or practices defined.
  The following methods, acts, or practices are defined as unfair methods of competition and unfair or deceptive acts or practices: (1) MISREPRESENTATION AND FALSE ADVERTISING.--...
• Florida Insurance Code Section 634.2825; Motor vehicle service agreement cost specified in "price package."
  (1) When the premium or charge for a motor vehicle service agreement or involving such property or merchandise is included in the overall purchase price ...
• Florida Insurance Code Section 634.283; Power of department and office to examine and investigate.
  The department and office may, within their respective regulatory jurisdictions, examine and investigate the affairs of every person involved in the business of motor vehicle ...
• Florida Insurance Code Section 634.284; Prohibited practices; hearings; procedure; service of process.
  (1) Whenever the department or office has reason to believe that any person has engaged, or is engaging, in this state in any unfair method ...
• Florida Insurance Code Section 634.285; Cease and desist and penalty orders.
  After the hearing provided for in s. 634.284, the department or office shall enter a final order in accordance with s. 120.569. If ...
• Florida Insurance Code Section 634.286; Appeals from orders of the department or office.
  Any person subject to an order of the department or office under s. 634.285 may obtain a review of such order by filing an ...
• Florida Insurance Code Section 634.287; Penalty for violation of cease and desist order.
  Any person who violates a cease and desist order of the department or office under s. 634.285 while such order is in effect, after ...
• Florida Insurance Code Section 634.288; Civil liability.
  The provisions of this part are cumulative to rights under the general civil and common law, and no action of the department or office will ...
• Florida Insurance Code Section 634.289; Rules.
  The department or commission may adopt rules, in accordance with chapter 120, to identify specific methods of competition or acts or practices that are prohibited ...
• Florida Insurance Code Section 634.301; Definitions.
  As used in this part, the term: (1) "Gross written premiums" means the total amount of premiums, paid for the entire period of the home ...
• Florida Insurance Code Section 634.302; Powers of department, commission, and office; rules.
  The office shall administer this part, and the commission may adopt rules pursuant to ss. 120.536(1) and 120.54 to implement the provisions ...
• Florida Insurance Code Section 634.3025; Part exclusive; applicability of other laws.
  (1) Except as provided in this part, home warranty associations shall be governed by the provisions of this part and shall be exempt from all ...
• Florida Insurance Code Section 634.303; License required.
  (1) No person in this state shall provide or offer to provide home warranties unless authorized therefor under a subsisting license issued by the office. ...
• Florida Insurance Code Section 634.304; Qualifications for license.
  The office may not issue or renew a license to any home warranty association unless the association: (1) Is a solvent corporation formed under the ...
• Florida Insurance Code Section 634.305; Required deposit or bond.
  (1) To assure the faithful performance of its obligations to its members or subscribers in the event of insolvency, every home warranty association shall, before ...
• Florida Insurance Code Section 634.3051; Levy upon deposit limited.
  No judgment creditor or other claimant of a home warranty association shall have the right to levy upon any of the assets or securities held ...
• Florida Insurance Code Section 634.306; Application for and issuance of license.
  (1) An application for license as a home warranty association must be made to and must be filed with the office on printed forms prescribed ...
• Florida Insurance Code Section 634.307; License expiration; renewal.
  Each license as a home warranty association issued under this part shall expire on June 1 next following the date of issuance. If the association ...
• Florida Insurance Code Section 634.3073; Acquisition.
  Every home warranty association shall be subject to the provisions of s. 628....
• Florida Insurance Code Section 634.3076; Prohibited investments and loans.
  A home warranty association shall not directly or indirectly invest in or lend its funds upon the security of any note or other evidence of ...
• Florida Insurance Code Section 634.3077; Financial requirements.
  (1) An association licensed under this part shall maintain a funded, unearned premium reserve account, consisting of unencumbered assets, equal to a minimum of 25 ...
• Florida Insurance Code Section 634.3078; Assets and liabilities.
  (1) ASSETS.--In any determination of the financial condition of a home warranty association, there shall be allowed as assets only those assets that are ...
• Florida Insurance Code Section 634.308; Grounds for suspension or revocation of license.
  (1) The license of any home warranty association may be revoked or suspended, or the office may refuse to renew any such license, if it ...
• Florida Insurance Code Section 634.309; Procedure to suspend or revoke license.
  Except when a hearing is expressly not required under s. 120.60 or s. 634.308, no order suspending or revoking a home warranty association'...
• Florida Insurance Code Section 634.310; Order, notice of suspension or revocation of license; effect; publication.
  (1) A suspension or revocation of the license of a home warranty association shall be effected by order mailed to the association by registered or ...
• Florida Insurance Code Section 634.311; Duration of suspension; obligations of association during suspension period; reinstatement.
  (1) A suspension of the license of a home warranty association shall be for such period, not to exceed 1 year, as is fixed in ...
• Florida Insurance Code Section 634.3112; Administrative fine in lieu of suspension or revocation of license of association.
  (1) If it is found that one or more grounds exist for the suspension, revocation, or refusal to renew the license of any association issued ...
• Florida Insurance Code Section 634.312; Filing; approval of forms.
  (1) No warranty form or related form shall be issued or used in this state unless it has been filed with and approved by the ...
• Florida Insurance Code Section 634.3123; Grounds for disapproval of forms.
  The office shall disapprove any form filed under s. 634.312 or withdraw any previous approval if the form: (1) Is in violation of or ...
• Florida Insurance Code Section 634.3126; Rate filings.
  Each insurer and home warranty association shall file with the office for informational purposes the rate to be charged for each warranty and the premium, ...
• Florida Insurance Code Section 634.313; Tax on premiums; annual statement; reports.
  (1) In addition to paying the license taxes provided for in this part for home warranty associations and license taxes provided in the insurance code ...
• Florida Insurance Code Section 634.3135; Office records required.
  Each licensed home warranty association, as a minimum requirement for permanent office records, shall maintain: (1) A complete set of accounting records, including a general ...
• Florida Insurance Code Section 634.314; Examination of associations.
  Home warranty associations licensed under this part shall be subject to periodic examinations by the office, in the same manner and subject to the same ...
• Florida Insurance Code Section 634.315; Service of process.
  Home warranty associations are subject to service of process in the same manner and subject to the same terms, conditions, and fees as apply to ...
• Florida Insurance Code Section 634.317; License and appointment required.
  No person may solicit, negotiate, or effectuate home warranty contracts for remuneration in this state unless such person is licensed and appointed as a sales ...
• Florida Insurance Code Section 634.318; License and appointment of sales representatives.
  Sales representatives for home warranty associations and insurers shall be licensed, appointed, renewed, continued, reinstated, or terminated in the same manner as prescribed in chapter ...
• Florida Insurance Code Section 634.319; Reporting and accounting for funds.
  (1) All funds belonging to insurers, home warranty associations, or others received by a sales representative in transactions under her or his license 1and appointment ...
• Florida Insurance Code Section 634.320; Grounds for compulsory refusal, suspension, or revocation of license or appointment of sales representatives.
  The department shall deny, suspend, revoke, or refuse to renew or continue the license or appointment of any sales representative if it is found that ...
• Florida Insurance Code Section 634.3205; Rebating; when allowed.
  (1) No sales representative shall rebate any portion of his or her commission except as follows: (a) The rebate shall be available to all consumers ...
• Florida Insurance Code Section 634.321; Grounds for discretionary refusal, suspension, or revocation of license or appointment of sales representatives.
  The department may, in its discretion, deny, suspend, revoke, or refuse to renew or continue the license or appointment of any sales representative if it ...
• Florida Insurance Code Section 634.322; Procedure for refusal, suspension, or revocation of license or appointment of sales representatives.
  (1) If any sales representative is convicted by a court of a violation of any provision of this part or applicable provisions of the Florida ...
• Florida Insurance Code Section 634.3225; Duration of suspension or revocation of license or appointment.
  (1) The department shall, in its order suspending a license or appointment, specify the time period during which the suspension is to be effective. Such ...
• Florida Insurance Code Section 634.323; Administrative fine in lieu of suspension or revocation of sales representative's license or appointment.
  (1) If, pursuant to procedures provided for in this part, it is found that one or more grounds exist for the suspension or revocation of, ...
• Florida Insurance Code Section 634.324; Disposition of taxes and fees.
  All license taxes, taxes on premiums, license and appointment fees, and administrative fines and penalties collected under this part from home warranty associations and sales ...
• Florida Insurance Code Section 634.325; Insurance business not authorized.
  Nothing in the Florida Insurance Code or in this part shall be deemed to authorize any home warranty association to transact any insurance business other ...
• Florida Insurance Code Section 634.326; Fronting not permitted.
  No authorized insurer or licensed home warranty association may act as a fronting company for any unauthorized insurer or unlicensed home warranty association. A "fronting ...
• Florida Insurance Code Section 634.327; Applicability to warranty on new home.
  This part shall not apply to any program offering a warranty on a new home which is underwritten by an insurer licensed to do business ...
• Florida Insurance Code Section 634.328; Penalty for violation.
  Any individual who knowingly makes a false or otherwise fraudulent application for a license or appointment under this part, or who knowingly violates any provision ...
• Florida Insurance Code Section 634.3284; Civil remedy.
  (1) Any person damaged by a violation of the provisions of this part may bring a civil action against a person violating such provisions in ...
• Florida Insurance Code Section 634.329; Dissolution or liquidation.
  Any dissolution or liquidation of a corporation subject to the provisions of this part shall be under the supervision of the department, which shall have ...
• Florida Insurance Code Section 634.331; Coverage of property for sale.
  A home warranty may provide coverage of residential property during the listing period of such property for a period not to exceed 12 months, provided ...
• Florida Insurance Code Section 634.335; Unfair methods of competition and unfair or deceptive acts or practices prohibited.
  No person may engage in this state in any trade practice which is defined in this part as, or determined pursuant to s. 634.337 ...
• Florida Insurance Code Section 634.336; Unfair methods of competition and unfair or deceptive acts or practices defined.
  The following methods, acts, or practices are defined as unfair methods of competition and unfair or deceptive acts or practices: (1) MISREPRESENTATION AND FALSE ADVERTISING.--...
• Florida Insurance Code Section 634.337; Power of department and office to examine and investigate.
  The department and office have the power, within their respective regulatory jurisdictions, to examine and investigate the affairs of every person involved in the business ...
• Florida Insurance Code Section 634.338; Prohibited practices; hearings; procedure; service of process.
  (1) Whenever the department or office has reason to believe that any person has engaged, or is engaging, in this state in any unfair method ...
• Florida Insurance Code Section 634.339; Cease and desist and penalty orders.
  After the hearing provided for in s. 634.338, the department or office shall enter a final order in accordance with s. 120.569. If ...
• Florida Insurance Code Section 634.34; Appeals from orders of the department or office.
  Any person subject to an order of the department or office under s. 634.339 may obtain a review of such order by filing an ...
• Florida Insurance Code Section 634.341; Penalty for violation of cease and desist order.
  Any person who violates a cease and desist order of the department or office under s. 634.339 while such order is in effect, after ...
• Florida Insurance Code Section 634.342; Injunctive proceedings.
  In addition to the penalties and other enforcement provisions of this part, in the event any person violates s. 634.303 or s. 634.318 ...
• Florida Insurance Code Section 634.343; Civil liability.
  The provisions of this part are cumulative to rights under the general civil and common law, and no action of the department or office will ...
• Florida Insurance Code Section 634.344; Coercion of debtor prohibited.
  (1) When a home warranty is sold as authorized by s. 634.301(3)(b), no person may require, as a condition precedent or condition ...
• Florida Insurance Code Section 634.348; Investigatory records.
  All active examination or investigatory records of the department or office made or received pursuant to this part are confidential and exempt from the provisions ...
• Florida Insurance Code Section 634.401; Definitions.
  As used in this part, the term: (1) "Consumer product" means tangible property primarily used for personal, family, or household purposes. (2) "Gross income" means ...
• Florida Insurance Code Section 634.402; Powers of department, commission, and office; rules.
  The office shall administer this part, and the commission may adopt rules pursuant to ss. 120.536(1) and 120.54 to implement the provisions ...
• Florida Insurance Code Section 634.4025; Part exclusive; applicability of other laws.
  (1) Except as provided in this part, service warranty associations shall be governed by this part and shall be exempt from all other provisions of ...
• Florida Insurance Code Section 634.403; License required.
  (1) No person in this state shall provide or offer to provide service warranties unless authorized therefor under a subsisting license issued by the office. ...
• Florida Insurance Code Section 634.404; Qualifications for license.
  The office may not issue or allow a service warranty association to maintain a license unless the association: (1) Is a warrantor with minimum net ...
• Florida Insurance Code Section 634.405; Required deposit or bond.
  (1) To assure the faithful performance of its obligations to its members or subscribers in the event of insolvency, each service warranty association shall, before ...
• Florida Insurance Code Section 634.4051; Levy upon deposit limited.
  No judgment creditor or other claimant of a service warranty association shall have the right to levy upon any of the assets or securities held ...
• Florida Insurance Code Section 634.406; Financial requirements.
  (1) An association licensed under this part shall maintain a funded, unearned premium reserve account, consisting of unencumbered assets, equal to a minimum of 25 ...
• Florida Insurance Code Section 634.4061; Assets and liabilities.
  (1) ASSETS.--In any determination of the financial condition of a service warranty association, there shall be allowed as assets only those assets that are ...
• Florida Insurance Code Section 634.4062; Prohibited investments and loans.
  A service warranty association shall not directly or indirectly invest in or lend its funds upon the security of any note or other evidence of ...
• Florida Insurance Code Section 634.4065; Guarantee agreements.
  In order to include receivables from affiliated companies as assets under s. 634.401(9), the service warranty association may provide a written guarantee to ...
• Florida Insurance Code Section 634.407; Application for and issuance of license.
  (1) An application for license as a service warranty association shall be made to, and filed with, the office on printed forms as prescribed by ...
• Florida Insurance Code Section 634.408; License continuance.
  A license issued under this part shall continue in force as long as the service warranty association is entitled thereto under this part and until ...
• Florida Insurance Code Section 634.4085; Acquisition.
  Except for manufacturers as defined in this part, every service warranty association shall be subject to the provisions of s. 628....
• Florida Insurance Code Section 634.409; Grounds for suspension or revocation of license.
  (1) The license of any service warranty association may be revoked or suspended, or the office may refuse to renew any such license, if it ...
• Florida Insurance Code Section 634.411; Order; notice of suspension or revocation of license; effect; publication.
  (1) Suspension or revocation of a service warranty association's license shall be by order of the office mailed to the association by registered or ...
• Florida Insurance Code Section 634.412; Duration of suspension; obligations of asso