Florida Statutes Chapter 626 — INSURANCE FIELD REPRESENTATIVES AND OPERATIONS

From the Legislature's 2026 edition, which includes changes effective through January 1, 2027. Later effective dates are retained in each section's source notes.

Title XXXVII

• § 626.011 — Short title.
• § 626.015 — Definitions.
• § 626.016 — Powers and duties of department, commission, and office.
• § 626.022 — Scope of part.
• § 626.025 — Consumer protections.
• § 626.0428 — Agency personnel powers, duties, and limitations.
• § 626.112 — License and appointment required; agents, customer representatives, adjusters, insurance agencies, service representatives, managing general agents, insurance adjusting firms.
• § 626.141 — Violation not to affect validity of insurance.
• § 626.161 — Licensing forms.
• § 626.171 — Application for license as an agent, customer representative, adjuster, or service representative.
• § 626.172 — Application for insurance agency license.
• § 626.173 — Insurance agency closure; cancellation of licenses.
• § 626.175 — Temporary licensing.
• § 626.181 — Number of applications for licensure required.
• § 626.191 — Repeated applications.
• § 626.201 — Investigation.
• § 626.202 — Fingerprinting requirements.
• § 626.207 — Disqualification of applicants and licensees; penalties against licensees; rulemaking authority.
• § 626.211 — Approval, disapproval of application.
• § 626.221 — Examination requirement; exemptions.
• § 626.231 — Eligibility; application for examination.
• § 626.241 — Scope of examination.
• § 626.2415 — Annual report of results of life insurance examinations.
• § 626.251 — Time and place of examination; notice.
• § 626.261 — Conduct of examination.
• § 626.266 — Printing of examinations or related materials to preserve examination security.
• § 626.271 — Examination fee; determination, refund.
• § 626.281 — Reexamination.
• § 626.2815 — Continuing education requirements.
• § 626.2816 — Regulation of continuing education for licensees, course providers, instructors, school officials, and monitor groups.
• § 626.2817 — Regulation of course providers, instructors, and school officials involved in prelicensure education for insurance agents and other licensees.
• § 626.291 — Examination results; denial, issuance of license.
• § 626.292 — Transfer of license from another state.
• § 626.301 — Form and contents of licenses, in general.
• § 626.311 — Scope of license.
• § 626.321 — Limited licenses and registration.
• § 626.322 — License, appointment; certain military installations.
• § 626.331 — Number of appointments permitted or required.
• § 626.341 — Additional appointments; general lines, life, and health agents.
• § 626.342 — Furnishing supplies to unlicensed agent prohibited; civil liability.
• § 626.371 — Payment of fees, taxes for appointment period without appointment.
• § 626.381 — Renewal, continuation, reinstatement, or termination of appointment.
• § 626.382 — Continuation, expiration of license; insurance agencies.
• § 626.431 — Effect of expiration of license and appointment.
• § 626.441 — License or appointment; transferability.
• § 626.451 — Appointment of agent or other representative.
• § 626.461 — Continuation of appointment of agent or other representative.
• § 626.471 — Termination of appointment.
• § 626.511 — Reasons for termination; confidential information.
• § 626.536 — Reporting of administrative actions.
• § 626.541 — Firm, corporate, and business names; officers; associates; notice of changes.
• § 626.551 — Notice of change of address, name.
• § 626.561 — Reporting and accounting for funds.
• § 626.571 — Delinquent agencies; notice of trusteeship.
• § 626.5715 — Parity of regulation of insurance agents and agencies.
• § 626.572 — Rebating; when allowed.
• § 626.581 — Commissions contingent upon adjustment savings; prohibition.
• § 626.591 — Penalty for violation of s. 626.581.
• § 626.593 — Insurance agent; written contract for compensation.
• § 626.601 — Improper conduct; inquiry; fingerprinting.
• § 626.602 — Insurance agency and adjusting firm names; disapproval.
• § 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.
• § 626.6115 — Grounds for compulsory refusal, suspension, or revocation of insurance agency license.
• § 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.
• § 626.6215 — Grounds for discretionary refusal, suspension, or revocation of insurance agency license.
• § 626.631 — Procedure for refusal, suspension, or revocation of license.
• § 626.641 — Duration of suspension or revocation.
• § 626.651 — Effect of suspension, revocation upon associated licenses and appointments and licensees and appointees.
• § 626.6515 — Effect of suspension or revocation upon associated agencies.
• § 626.661 — Surrender of license.
• § 626.681 — Administrative fine in lieu of or in addition to suspension, revocation, or refusal of license, appointment, or disapproval.
• § 626.691 — Probation.
• § 626.692 — Restitution.
• § 626.711 — Retaliatory provision, agents.
• § 626.726 — Short title.
• § 626.727 — Scope of this part.
• § 626.728 — This part supplements licensing law.
• § 626.729 — “Industrial fire insurance” defined.
• § 626.730 — Purpose of license.
• § 626.731 — Qualifications for general lines agent’s license.
• § 626.7315 — Prohibition against the unlicensed transaction of general lines insurance.
• § 626.732 — Requirement as to knowledge, experience, or instruction.
• § 626.733 — Agency firms and corporations; special requirements.
• § 626.734 — Corporations, liability of agent.
• § 626.7351 — Qualifications for customer representative’s license.
• § 626.7352 — Customer representative’s office.
• § 626.7353 — Appointment of customer representatives.
• § 626.7354 — Customer representative’s powers; agent’s or agency’s responsibility.
• § 626.741 — Nonresident agents; licensing and restrictions.
• § 626.742 — Nonresident agents; service of process.
• § 626.743 — Nonresident agents; retaliatory provision.
• § 626.744 — Service representatives; application for license.
• § 626.745 — Service representatives, managing general agents; managers; activities.
• § 626.7451 — Managing general agents; required contract provisions.
• § 626.7452 — Managing general agents; examination authority.
• § 626.7453 — Managing general agents; errors and omissions insurance.
• § 626.7454 — Managing general agents; duties of insurers.
• § 626.7455 — Managing general agent; responsibility of insurer.
• § 626.748 — Agent’s records.
• § 626.749 — Place of business in residence.
• § 626.7491 — Business transacted with producer controlled property and casualty insurer.
• § 626.7492 — Reinsurance intermediaries.
• § 626.752 — Exchange of business.
• § 626.753 — Sharing commissions; penalty.
• § 626.754 — Rights of agent following termination of appointment.
• § 626.776 — Short title.
• § 626.777 — Scope of this part.
• § 626.778 — This part supplements licensing law.
• § 626.779 — “Life agent” defined.
• § 626.780 — “Life insurer” defined.
• § 626.781 — “Ordinary class insurer” and “ordinary-variable contract class insurer” defined.
• § 626.782 — “Industrial class insurer” defined.
• § 626.783 — “Ordinary-combination class insurer” defined.
• § 626.784 — Purpose of license.
• § 626.7845 — Prohibition against unlicensed transaction of life insurance.
• § 626.785 — Qualifications for license.
• § 626.7851 — Requirement as to knowledge, experience, or instruction.
• § 626.788 — United States Department of Veterans Affairs employees disqualified.
• § 626.789 — Military service; special provisions.
• § 626.792 — Nonresident agents; licensing and restrictions.
• § 626.793 — Excess or rejected business.
• § 626.794 — Unlawful payment or sharing of commissions.
• § 626.795 — Corporations, liability of agent.
• § 626.797 — Code of ethics.
• § 626.798 — Life agent as beneficiary; prohibition.
• § 626.826 — Short title.
• § 626.827 — Scope of this part.
• § 626.828 — This part supplements licensing law.
• § 626.829 — “Health agent” defined.
• § 626.830 — Purpose of license.
• § 626.8305 — Prohibition against the unlicensed transaction of health insurance.
• § 626.831 — Qualifications for license.
• § 626.8311 — Requirement as to knowledge, experience, or instruction.
• § 626.833 — United States Department of Veterans Affairs employees disqualified.
• § 626.834 — Military service; special provisions.
• § 626.835 — Nonresident agents; licensing and restrictions.
• § 626.836 — Nonresident agents; service of process.
• § 626.837 — Excess or rejected business.
• § 626.8373 — Overinsurance of health insurance coverage.
• § 626.838 — Unlawful payment or sharing of commissions.
• § 626.839 — Corporations, liability of agent.
• § 626.841 — Definitions.
• § 626.8411 — Application of Florida Insurance Code provisions to title insurance agents or agencies.
• § 626.8412 — License and appointments required.
• § 626.8413 — Title insurance agents; certain names prohibited.
• § 626.8414 — Qualifications for examination.
• § 626.8417 — Title insurance agent licensure; exemptions.
• § 626.8418 — Application for title insurance agency license.
• § 626.8419 — Appointment of title insurance agency.
• § 626.84195 — Confidentiality of information supplied by title insurance agencies and insurers.
• § 626.842 — Credit and character reports.
• § 626.84201 — Nonresident title insurance agents.
• § 626.8421 — Number of appointments permitted or required.
• § 626.8423 — Investigation of applicants for license or renewal or continuation.
• § 626.8427 — Number of applications for licensure required; exemption; effect of expiration of license.
• § 626.843 — Renewal, continuation, reinstatement, termination of title insurance agent’s and title insurance agency’s appointments.
• § 626.8433 — Filing of reasons for terminating appointments of title insurance agent and title insurance agency; confidential information.
• § 626.8437 — Grounds for denial, suspension, revocation, or refusal to renew license or appointment.
• § 626.844 — Grounds for discretionary refusal, suspension, or revocation of license or appointment.
• § 626.8443 — Duration of suspension or revocation.
• § 626.8447 — Effect of suspension or revocation upon other licensees, appointees.
• § 626.845 — Cancellation of license.
• § 626.8453 — Penalty for violation.
• § 626.8457 — Administrative fine in lieu of suspension or revocation of license or appointment.
• § 626.846 — Probation.
• § 626.8463 — Witnesses and evidence.
• § 626.8467 — Testimony compelled; immunity from prosecution.
• § 626.847 — Penalty for refusal to testify.
• § 626.8473 — Escrow; trust fund.
• § 626.851 — Short title.
• § 626.852 — Scope of this part.
• § 626.853 — Part supplements licensing law.
• § 626.854 — “Public adjuster” defined; prohibitions.
• § 626.8548 — “All-lines adjuster” defined.
• § 626.855 — “Independent adjuster” defined.
• § 626.856 — “Company employee adjuster” defined.
• § 626.8561 — “Public adjuster apprentice” defined.
• § 626.8582 — “Nonresident public adjuster” defined.
• § 626.8584 — “Nonresident all-lines adjuster” defined.
• § 626.859 — “Catastrophe” or “emergency” adjuster defined.
• § 626.860 — Attorneys at law; exemption.
• § 626.861 — Insurer’s officers, insurer’s employees, reciprocal insurer’s representatives; adjustments by.
• § 626.862 — Agents; adjustments by.
• § 626.8621 — Adjustments by guaranty association employees.
• § 626.863 — Claims referrals to independent adjusters.
• § 626.864 — Adjuster license types.
• § 626.865 — Public adjuster’s qualifications, bond.
• § 626.8651 — Public adjuster apprentice appointment; qualifications.
• § 626.866 — All-lines adjuster qualifications.
• § 626.8685 — Portable electronics or eyewear insurance claims; exemption; licensure restriction.
• § 626.869 — License, adjusters; continuing education.
• § 626.8695 — Primary adjuster.
• § 626.8696 — Application for adjusting firm license.
• § 626.8697 — Grounds for refusal, suspension, or revocation of adjusting firm license.
• § 626.8698 — Disciplinary guidelines for public adjusters and public adjuster apprentices.
• § 626.870 — Application for license.
• § 626.871 — Reappointment after military service.
• § 626.8732 — Nonresident public adjuster’s qualifications, bond.
• § 626.8734 — Nonresident all-lines adjuster license qualifications.
• § 626.8736 — Nonresident independent or public adjusters; service of process.
• § 626.8737 — Nonresident adjusters; retaliatory provision.
• § 626.8738 — Penalty for violation.
• § 626.874 — Catastrophe or emergency adjusters.
• § 626.875 — Office and records.
• § 626.876 — Exclusive employment; public adjusters, all-lines adjusters.
• § 626.877 — Adjustments to comply with insurance contract and law.
• § 626.878 — Rules; code of ethics.
• § 626.8795 — Public adjusters; prohibition of conflict of interest.
• § 626.8796 — Public adjuster contracts; disclosure statement; fraud statement.
• § 626.8797 — Proof of loss; fraud statement.
• § 626.88 — Definitions.
• § 626.8805 — Certificate of authority to act as administrator.
• § 626.8809 — Fidelity bond.
• § 626.8814 — Disclosure of ownership or affiliation.
• § 626.8817 — Responsibilities of insurance company with respect to administration of coverage insured.
• § 626.882 — Agreement between administrator and insurer; required provisions; maintenance of records.
• § 626.8825 — Pharmacy benefit manager transparency and accountability.
• § 626.8827 — Pharmacy benefit manager prohibited practices.
• § 626.8828 — Investigations and examinations of pharmacy benefit managers; expenses; penalties.
• § 626.883 — Administrator as intermediary; collections held in fiduciary capacity; establishment of account; disbursement; payments on behalf of insurer.
• § 626.884 — Maintenance of records by administrator; access; confidentiality.
• § 626.885 — Notice; statement of charge or premium for coverage.
• § 626.886 — Delivery of insurer’s written communications to policyholders.
• § 626.887 — Advertising; approval by insurer.
• § 626.888 — Adjustment or settlement of claims; compensation of administrator.
• § 626.89 — Annual financial statement and filing fee; notice of change of ownership; pharmacy benefit manager filings.
• § 626.891 — Grounds for suspension or revocation of certificate of authority.
• § 626.892 — Order of suspension or revocation of certificate of authority; notice.
• § 626.893 — Period of suspension; obligations during suspension; reinstatement.
• § 626.894 — Administrative fine in lieu of suspension or revocation.
• § 626.895 — Definition of “service company” or “service agent.”
• § 626.896 — Servicing requirements for self-insurers and multiple-employer welfare arrangements.
• § 626.897 — Application for authorization to act as service company; bond.
• § 626.898 — Requirements for retaining authorization as service company; recertification.
• § 626.899 — Withdrawal of authorization as service company.
• § 626.8991 — Adoption of rules.
• § 626.901 — Representing or aiding unauthorized insurer prohibited.
• § 626.902 — Penalty for representing unauthorized insurer.
• § 626.903 — Suits by unauthorized insurers prohibited.
• § 626.904 — Unauthorized Insurers Process Law; short title; interpretation.
• § 626.905 — Purpose of Unauthorized Insurers Process Law.
• § 626.906 — Acts constituting Chief Financial Officer as process agent.
• § 626.907 — Service of process; judgment by default.
• § 626.908 — Defense of action by unauthorized insurer or person representing or aiding such insurer; damages and attorney fee.
• § 626.909 — Jurisdiction of office and department; service of process on Secretary of State.
• § 626.910 — Penalty for violation by unauthorized insurers and persons representing or aiding such insurers.
• § 626.911 — Attorney’s fee.
• § 626.912 — Exemptions from ss. 626.904-626.911.
• § 626.913 — Surplus Lines Law; short title; purposes.
• § 626.914 — Definitions.
• § 626.915 — Surplus lines insurance authorized.
• § 626.916 — Eligibility for export.
• § 626.917 — Eligibility for export; wet marine and transportation, aviation risks.
• § 626.918 — Eligible surplus lines insurers.
• § 626.9181 — Levy upon deposit.
• § 626.919 — Withdrawal of eligibility; surplus lines insurer.
• § 626.9201 — Notice of cancellation or nonrenewal.
• § 626.9202 — Loss run statements for all lines of insurance.
• § 626.921 — Florida Surplus Lines Service Office.
• § 626.922 — Evidence of the insurance; changes; penalty.
• § 626.923 — Filing copy of policy or certificate.
• § 626.924 — Information required on contract.
• § 626.925 — Surplus lines insurance valid.
• § 626.926 — Liability of insurer as to losses and unearned premiums.
• § 626.927 — Licensing of surplus lines agent.
• § 626.9271 — Temporary license; death, disability, absence of surplus lines agent.
• § 626.9272 — Licensing of nonresident surplus lines agents.
• § 626.929 — Origination, acceptance, placement of surplus lines business.
• § 626.9295 — Corporations, liability of agent.
• § 626.930 — Records of surplus lines agent.
• § 626.931 — Agent affidavit and insurer reporting requirements.
• § 626.932 — Surplus lines tax.
• § 626.9325 — Service fee.
• § 626.933 — Collection of tax and service fee.
• § 626.934 — Accounting for funds; contingent commissions.
• § 626.935 — Suspension, revocation, or refusal of surplus lines agent’s license.
• § 626.936 — Failure to file reports or pay tax or service fee; administrative penalty.
• § 626.9361 — Failure to file report; administrative penalty.
• § 626.9362 — Cooperative reciprocal agreement authorized for collection and allocation of certain nonadmitted insurance taxes.
• § 626.937 — Actions against insurer; service of process.
• § 626.9371 — Payment of premiums and claims.
• § 626.9372 — Disclosure statement of certain information required; liability claims.
• § 626.9374 — Liability of insureds; deductible and coinsurance.
• § 626.938 — Report and tax of independently procured coverages.
• § 626.939 — Records produced on order.
• § 626.951 — Declaration of purpose.
• § 626.9511 — Definitions.
• § 626.9521 — Unfair methods of competition and unfair or deceptive acts or practices prohibited; penalties.
• § 626.9531 — Identification of insurers, agents, and insurance contracts.
• § 626.9541 — Unfair methods of competition and unfair or deceptive acts or practices defined.
• § 626.9543 — Holocaust victims.
• § 626.9545 — Improper charge identification incentive program.
• § 626.9551 — Favored agent or insurer; coercion of debtors.
• § 626.9561 — Power of department and office.
• § 626.9571 — Defined practices; hearings, witnesses, appearances, production of books and service of process.
• § 626.9581 — Cease and desist and penalty orders.
• § 626.9591 — Appeals from the department or office.
• § 626.9601 — Penalty for violation of cease and desist orders.
• § 626.9611 — Rules.
• § 626.9621 — Provisions of part additional to existing law.
• § 626.9631 — Civil liability.
• § 626.9641 — Policyholders, bill of rights.
• § 626.9651 — Privacy.
• § 626.9701 — Rate increases and premium surcharges; consideration of certain noncriminal violations for excessive speed prohibited.
• § 626.9702 — Illegal dealings in premiums; excess charges for insurance.
• § 626.9705 — Life or disability insurance; illegal dealings.
• § 626.9706 — Life insurance; discrimination on basis of sickle-cell trait prohibited.
• § 626.9707 — Disability insurance; discrimination on basis of sickle-cell trait prohibited.
• § 626.97075 — Life insurance, disability insurance, and long-term care insurance; discrimination against living organ donors prohibited.
• § 626.973 — Fictitious groups.
• § 626.9741 — Use of credit reports and credit scores by insurers.
• § 626.9743 — Claim settlement practices relating to motor vehicle insurance.
• § 626.9744 — Claim settlement practices relating to property insurance.
• § 626.9885 — Financial institutions conducting insurance transactions.
• § 626.989 — Investigation by department or Division of Criminal Investigations; compliance; immunity; confidential information; reports to division; division investigator’s power of arrest.
• § 626.9891 — Insurer anti-fraud investigative units; reporting requirements; penalties for noncompliance.
• § 626.9892 — Anti-Fraud Reward Program; reporting of insurance fraud.
• § 626.9893 — Disposition of revenues; criminal or forfeiture proceedings.
• § 626.9894 — Gifts and grants.
• § 626.9896 — Dedicated insurance fraud prosecutors.
• § 626.99 — Life insurance solicitation.
• § 626.991 — Short title.
• § 626.9911 — Definitions.
• § 626.9912 — Viatical settlement provider license required; application for license.
• § 626.9913 — Viatical settlement provider license continuance; annual report; fees; deposit.
• § 626.9914 — Suspension, revocation, denial, or nonrenewal of viatical settlement provider license; grounds; administrative fine.
• § 626.9915 — Effect of suspension or revocation of viatical settlement provider license; duration of suspension; reinstatement.
• § 626.9916 — Viatical settlement broker license required.
• § 626.99175 — Life expectancy providers; registration required; denial, suspension, revocation.
• § 626.99181 — Viatical settlement broker’s compensation.
• § 626.9919 — Notice of change of licensee or registrant’s address or name.
• § 626.992 — Use of licensed viatical settlement providers, viatical settlement brokers, and registered life expectancy providers required.
• § 626.9921 — Filing of forms; required procedures; approval.
• § 626.9922 — Examination.
• § 626.9923 — Viatical settlement contracts; required disclosures.
• § 626.9924 — Viatical settlement contracts; procedures; rescission.
• § 626.99245 — Conflict of regulation of viaticals.
• § 626.9925 — Rules.
• § 626.9926 — Rate regulation not authorized.
• § 626.9927 — Unfair trade practices; cease and desist; injunctions; civil remedy.
• § 626.99272 — Cease and desist orders and fines.
• § 626.99275 — Prohibited practices; penalties.
• § 626.99278 — Viatical provider anti-fraud plan.
• § 626.9928 — Acquisitions.
• § 626.99285 — Applicability of insurance code.
• § 626.99287 — Contestability of viaticated policies.
• § 626.99289 — Void and unenforceable contracts, agreements, arrangements, and transactions.
• § 626.99291 — Contestability of life insurance policies.
• § 626.99292 — Notice to insureds.
• § 626.99295 — Grace period.
• § 626.99296 — Transfers of structured settlement payment rights.
• § 626.9931 — Legislative findings; intent.
• § 626.9932 — Interstate Insurance Product Regulation Compact.
• § 626.9933 — Opt out from long-term care products standards.
• § 626.9934 — Effective date of compact standards; opt out procedures; state law exemptions; legislative notice.
• § 626.9935 — Applicability of taxes.
• § 626.9936 — Access to records.
• § 626.9937 — Rules.
• § 626.9938 — Severability.
• § 626.995 — Scope of part.
• § 626.9951 — Definitions.
• § 626.9952 — Registration required; purpose.
• § 626.9953 — Qualifications for registration; application required.
• § 626.9954 — Disqualification from registration.
• § 626.9955 — Registered navigator list.
• § 626.9956 — Notice of change of registrant information.
• § 626.9957 — Conduct prohibited; denial, revocation, termination, expiration, or suspension of registration.
• § 626.9958 — Rulemaking.