Florida Statutes Chapter 627 — INSURANCE RATES AND CONTRACTS

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

• § 627.011 — Short title.
• § 627.021 — Scope of this part.
• § 627.031 — Purposes of this part; interpretation.
• § 627.041 — Definitions.
• § 627.0612 — Administrative proceedings in rating determinations.
• § 627.0613 — Consumer advocate.
• § 627.062 — Rate standards.
• § 627.0621 — Transparency in rate regulation.
• § 627.0625 — Commercial property and casualty risk management plans.
• § 627.0628 — Florida Commission on Hurricane Loss Projection Methodology; public meetings exemption.
• § 627.06281 — Public hurricane loss projection model; reporting of data by insurers.
• § 627.0629 — Residential property insurance; rate filings.
• § 627.06291 — Excess profits of residential property insurer; return.
• § 627.06292 — Reports of hurricane loss data and associated exposure data; public records exemption.
• § 627.0645 — Annual filings.
• § 627.06501 — Insurance discounts for certain persons completing driver improvement course.
• § 627.0651 — Making and use of rates for motor vehicle insurance.
• § 627.0652 — Insurance discounts for certain persons completing safety course.
• § 627.0653 — Insurance discounts for specified motor vehicle equipment.
• § 627.06535 — Electric vehicles; restrictions on imposing surcharges.
• § 627.0654 — Insurance discounts for buildings with fire sprinklers.
• § 627.0655 — Policyholder loss or expense-related premium discounts.
• § 627.066 — Excessive profits for motor vehicle insurance prohibited.
• § 627.0665 — Automatic bank withdrawal agreements; notification required.
• § 627.072 — Making and use of rates.
• § 627.091 — Rate filings; workers’ compensation and employer’s liability insurances.
• § 627.0915 — Rate filings; workers’ compensation, drug-free workplace, and safe employers.
• § 627.0916 — Agricultural horse farms.
• § 627.092 — Workers’ Compensation Administrator.
• § 627.093 — Application of s. 286.011 to workers’ compensation and employer’s liability insurances.
• § 627.096 — Workers’ Compensation Rating Bureau.
• § 627.101 — When filing becomes effective; workers’ compensation and employer’s liability insurances.
• § 627.111 — Effective date of filing.
• § 627.141 — Subsequent disapproval of filing; workers’ compensation and employer’s liability insurances.
• § 627.151 — Basis of approval or disapproval of workers’ compensation or employer’s liability insurance filing; scope of disapproval power.
• § 627.1615 — Workers’ compensation applicant discrimination.
• § 627.162 — Requirements for premium installments; delinquency, collection, and check return charges; attorney’s fees.
• § 627.171 — Excess rates.
• § 627.191 — Adherence to filings; workers’ compensation and employer’s liability insurances.
• § 627.192 — Workers’ compensation insurance; employee leasing arrangements.
• § 627.211 — Deviations; workers’ compensation and employer’s liability insurances.
• § 627.212 — Workplace safety program surcharge.
• § 627.215 — Excessive profits for commercial property and commercial casualty insurance prohibited.
• § 627.221 — Rating organizations; licensing; fee.
• § 627.231 — Subscribers to rating organizations.
• § 627.241 — Notice of changes.
• § 627.251 — Bureau rules not to affect dividends.
• § 627.261 — Actuarial and technical services.
• § 627.281 — Appeal from rating organization; workers’ compensation and employer’s liability insurance filings.
• § 627.285 — Independent actuarial peer review of workers’ compensation rating organization.
• § 627.291 — Information to be furnished insureds; appeal by insureds; workers’ compensation and employer’s liability insurances.
• § 627.301 — Advisory organizations.
• § 627.311 — Joint underwriters and joint reinsurers; public records and public meetings exemptions.
• § 627.312 — Transitional provisions.
• § 627.3121 — Public records and public meetings exemptions.
• § 627.313 — Workers’ Compensation Joint Underwriting Plan; audit requirements.
• § 627.314 — Concerted action by two or more insurers.
• § 627.318 — Records.
• § 627.331 — Recording and reporting of loss, expense, and claims experience; rating information.
• § 627.351 — Insurance risk apportionment plans.
• § 627.3511 — Depopulation of Citizens Property Insurance Corporation.
• § 627.3512 — Recoupment of residual market deficit assessments.
• § 627.3513 — Standards for sale of bonds by Citizens Property Insurance Corporation.
• § 627.3515 — Market assistance plan; property and casualty risks.
• § 627.3517 — Consumer choice.
• § 627.3518 — Citizens Property Insurance Corporation policyholder eligibility clearinghouse program.
• § 627.35191 — Required reports.
• § 627.35193 — Consumer reporting agency request for claims data from Citizens Property Insurance Corporation.
• § 627.357 — Medical malpractice self-insurance.
• § 627.361 — False or misleading information.
• § 627.371 — Hearings.
• § 627.381 — Penalty for violation.
• § 627.401 — Scope of this part.
• § 627.402 — Definitions.
• § 627.4025 — Residential coverage and hurricane coverage defined.
• § 627.403 — “Premium” defined.
• § 627.4035 — Payment of premiums; claims.
• § 627.404 — Insurable interest; personal insurance.
• § 627.405 — Insurable interest; property.
• § 627.406 — Power to contract; purchase of insurance by or for minor.
• § 627.407 — Alteration of application.
• § 627.408 — Application as evidence.
• § 627.4085 — Insurer name, agent name, and license identification number required on application.
• § 627.409 — Representations in applications; warranties.
• § 627.4091 — Specific reasons for denial, cancellation, or nonrenewal.
• § 627.40951 — Standard personal lines residential insurance policy.
• § 627.40952 — Savings reflections in residential property and motor vehicle insurer rate filings related to specified chapter laws.
• § 627.410 — Filing, approval of forms.
• § 627.4101 — Credit insurance enrollment forms.
• § 627.4102 — Informational filing of forms.
• § 627.4105 — Life and health insurance; reduced premiums upon rigorous physical examination.
• § 627.4107 — Government employees exposed to toxic drug chemicals; cancellation of life or health policy or certificate prohibited.
• § 627.4108 — Claims-handling manuals; submission; attestation.
• § 627.411 — Grounds for disapproval.
• § 627.412 — Standard provisions, in general.
• § 627.413 — Contents of policies, in general; identification.
• § 627.4131 — Telephone number required.
• § 627.4132 — Stacking of coverages prohibited.
• § 627.4133 — Notice of cancellation, nonrenewal, or renewal premium.
• § 627.4135 — Casualty insurance contracts subject to general provisions for insurance contracts.
• § 627.4136 — Nonjoinder of insurers.
• § 627.4137 — Disclosure of certain information required.
• § 627.4138 — Wrap-up insurance policies for nonpublic construction projects.
• § 627.414 — Additional policy contents.
• § 627.4143 — Outline of coverage.
• § 627.4145 — Readable language in insurance policies.
• § 627.4147 — Medical malpractice insurance contracts.
• § 627.4148 — Medical malpractice insurers; required offer of coverage limits.
• § 627.41495 — Public notice of medical malpractice rate filings.
• § 627.415 — Charter, bylaw provisions.
• § 627.416 — Execution of policies.
• § 627.417 — Underwriters’ and combination policies.
• § 627.418 — Validity of noncomplying contracts.
• § 627.419 — Construction of policies.
• § 627.4195 — Health insurance; claims for payment of psychotherapeutic services; confidentiality.
• § 627.420 — Binders.
• § 627.4205 — Coverage identification number required.
• § 627.421 — Delivery of policy.
• § 627.4215 — Disclosures to policyholders; coverage of behavioral health care services.
• § 627.422 — Assignment of policies or post-loss benefits.
• § 627.423 — Payment discharges insurer.
• § 627.4232 — Health insurance out-of-hospital benefits.
• § 627.4233 — Total disability defined.
• § 627.4234 — Health insurance cost containment provisions required.
• § 627.4235 — Coordination of benefits.
• § 627.4236 — Coverage for bone marrow transplant procedures.
• § 627.4237 — Sickness disability or disability due to sickness.
• § 627.4238 — Health insurer examinations.
• § 627.4239 — Coverage for use of drugs in treatment of cancer.
• § 627.42391 — Insurance policies; cancer treatment parity; orally administered cancer treatment medications.
• § 627.42392 — Prior authorization.
• § 627.42393 — Step-therapy protocol.
• § 627.42395 — Coverage for certain prescription and nonprescription enteral formulas.
• § 627.42396 — Reimbursement for telehealth services.
• § 627.42397 — Coverage for air ambulance services.
• § 627.424 — Minor may give acquittance.
• § 627.425 — Forms for proof of loss to be furnished.
• § 627.426 — Claims administration.
• § 627.4265 — Payment of settlement.
• § 627.427 — Payment of judgment by insurer; penalty for failure.
• § 627.429 — Medical tests for HIV infection and AIDS for insurance purposes.
• § 627.4295 — Dental procedures; anesthesia and hospitalization coverage.
• § 627.4301 — Genetic information for insurance purposes.
• § 627.4302 — Identification cards for processing prescription drug claims.
• § 627.43141 — Notice of change in policy terms.
• § 627.441 — Commercial general liability policies; coverage to contractors for completed operations.
• § 627.442 — Insurance contracts.
• § 627.443 — Essential health benefits.
• § 627.444 — Loss run statements for all lines of insurance.
• § 627.445 — Paid family leave insurance.
• § 627.446 — Advanced explanation of benefits.
• § 627.451 — Scope of this part.
• § 627.452 — Standard provisions required.
• § 627.453 — Grace period.
• § 627.454 — Entire contract; statements in application.
• § 627.455 — Incontestability.
• § 627.4553 — Recommendations to surrender.
• § 627.4554 — Suitability in annuity transactions.
• § 627.4555 — Secondary notice.
• § 627.4556 — Life insurance automatic policy loan provision.
• § 627.456 — Misstatement of age or sex.
• § 627.457 — Dividends.
• § 627.458 — Policy loan.
• § 627.4585 — Maximum rate of interest on policy loans.
• § 627.459 — Reinstatement.
• § 627.460 — Authority to alter contract.
• § 627.4605 — Replacement notice.
• § 627.461 — Settlement on proof of death.
• § 627.4615 — Interest payable on death claim payments.
• § 627.462 — Table of installments.
• § 627.463 — Excluded or restricted coverage.
• § 627.464 — Annuity contracts, pure endowment contracts; standard provisions.
• § 627.465 — Annuity contracts, pure endowment contracts; grace period.
• § 627.466 — Annuity contracts, pure endowment contracts; incontestability.
• § 627.467 — Annuity contracts, pure endowment contracts; entire contract.
• § 627.468 — Annuity contracts, pure endowment contracts; misstatement of age or sex.
• § 627.469 — Annuity contracts, pure endowment contracts; dividends.
• § 627.470 — Annuity contracts, pure endowment contracts; reinstatement.
• § 627.471 — Reversionary annuities; standard provisions.
• § 627.472 — Incontestability after reinstatement.
• § 627.473 — Policy settlements.
• § 627.474 — Policy must contain entire contract.
• § 627.475 — Nonforfeiture benefits; certain interim policies.
• § 627.476 — Standard Nonforfeiture Law for Life Insurance.
• § 627.479 — Prohibited policy plans.
• § 627.480 — Cash payments of single-premium life policies.
• § 627.481 — Requirements for certain annuity agreements.
• § 627.482 — Interest payable on cash surrender of policy.
• § 627.501 — Scope of this part.
• § 627.502 — “Industrial life insurance” defined; reporting; prohibition on new policies after a certain date.
• § 627.503 — Required provisions.
• § 627.504 — Grace period.
• § 627.5045 — Secondary notice.
• § 627.505 — Entire contract; statements in application.
• § 627.506 — Incontestability.
• § 627.507 — Misstatement of age or sex.
• § 627.508 — Dividends.
• § 627.509 — Reinstatement.
• § 627.510 — Settlement on proof of death.
• § 627.511 — Authority to alter contract.
• § 627.512 — Beneficiary.
• § 627.513 — Facility of payment.
• § 627.514 — Nonforfeiture benefits; certain interim policies.
• § 627.515 — Title of industrial life insurance policy.
• § 627.516 — Advance payment of premiums.
• § 627.517 — Conversion.
• § 627.521 — Disclosure statements.
• § 627.522 — Policy requirements and prohibitions.
• § 627.551 — Group contracts and plans of self-insurance must meet group requirements.
• § 627.5515 — Out-of-state groups.
• § 627.552 — Employee groups.
• § 627.553 — Debtor groups.
• § 627.554 — Labor union groups.
• § 627.555 — Trustee groups.
• § 627.556 — Credit union groups.
• § 627.5565 — Additional groups.
• § 627.5567 — Group life insurance; association groups.
• § 627.5575 — Group life insurance for dependents.
• § 627.558 — Provisions required in group contracts.
• § 627.559 — Grace period.
• § 627.560 — Incontestability.
• § 627.561 — Application; statements deemed representations.
• § 627.562 — Insurability.
• § 627.563 — Misstatement of age.
• § 627.564 — Payment of benefits.
• § 627.565 — Certificate.
• § 627.566 — Conversion on termination of eligibility.
• § 627.567 — Conversion on termination of policy.
• § 627.568 — Death pending conversion.
• § 627.5685 — Continuance of coverage during disability.
• § 627.5686 — Waiver of premium for disabled insured.
• § 627.569 — Use of dividends, refunds, rate reductions, commissions, service fees.
• § 627.570 — Premium rates.
• § 627.571 — Assignment of incidents of ownership in group life insurance policies, including conversion privileges.
• § 627.5725 — Notification to insureds of cancellation or expiration.
• § 627.573 — Replacement or termination of group life insurance; liability of prior insurer.
• § 627.574 — Liability of succeeding insurer on replacement of group policy.
• § 627.575 — Extension of benefits.
• § 627.601 — Scope of this part.
• § 627.6011 — Mandated coverages.
• § 627.602 — Scope, format of policy.
• § 627.603 — Death benefits.
• § 627.604 — Nonresident insured.
• § 627.6041 — Children with disabilities; continuation of coverage.
• § 627.6043 — Notification of cancellation, nonrenewal, or change in rates.
• § 627.6044 — Use of a specific methodology for payment of claims.
• § 627.6045 — Preexisting condition.
• § 627.6046 — Limit on preexisting conditions.
• § 627.605 — Required provisions; captions, omissions, substitutions.
• § 627.6056 — Coverage for ambulatory surgical center service.
• § 627.606 — Entire contract; changes.
• § 627.607 — Time limit on certain defenses.
• § 627.608 — Grace period.
• § 627.609 — Reinstatement.
• § 627.610 — Notice of claim.
• § 627.611 — Claim forms.
• § 627.612 — Proof of loss.
• § 627.613 — Time of payment of claims.
• § 627.6131 — Payment of claims.
• § 627.614 — Payment of claims.
• § 627.6141 — Denial of claims.
• § 627.615 — Physical examination, autopsy.
• § 627.616 — Legal actions.
• § 627.617 — Change of beneficiary.
• § 627.618 — Optional policy provisions.
• § 627.619 — Change of occupation.
• § 627.620 — Misstatement of age or sex.
• § 627.621 — Other insurance with this insurer.
• § 627.622 — Insurance with other insurers.
• § 627.623 — Insurance with other insurers; other benefits.
• § 627.624 — Relation of earnings to insurance.
• § 627.625 — Unpaid premiums.
• § 627.6265 — Cancellation or nonrenewal prohibited.
• § 627.627 — Conformity with statutes.
• § 627.628 — Illegal occupation.
• § 627.629 — Intoxicants and narcotics.
• § 627.630 — Order of certain provisions.
• § 627.631 — Third-party ownership.
• § 627.632 — Requirements of other jurisdictions.
• § 627.633 — Other policy provisions.
• § 627.634 — Age limit.
• § 627.635 — Excess insurance.
• § 627.636 — Industrial health insurance.
• § 627.637 — Construction of noncomplying contracts.
• § 627.638 — Direct payment for hospital, medical services.
• § 627.6385 — Disclosures to policyholders; calculations of cost sharing.
• § 627.6387 — Shared savings incentive program.
• § 627.639 — Application signed by agent.
• § 627.640 — Filing of classifications and rates.
• § 627.6401 — Refunds for persons age 64.
• § 627.6402 — Insurance rebates for healthy lifestyles.
• § 627.64025 — Advanced practice registered nurse services.
• § 627.6403 — Payment of acupuncture benefits to certified acupuncturists.
• § 627.6405 — Decreasing inappropriate utilization of emergency care.
• § 627.6406 — Maternity care.
• § 627.6407 — Massage.
• § 627.6408 — Diabetes treatment services.
• § 627.6409 — Coverage for osteoporosis screening, diagnosis, treatment, and management.
• § 627.641 — Coverage for newborn children.
• § 627.6415 — Coverage for natural-born, adopted, and foster children; children in insured’s custodial care.
• § 627.6416 — Coverage for child health supervision services.
• § 627.6417 — Coverage for surgical procedures and devices incident to mastectomy.
• § 627.64171 — Coverage for length of stay and outpatient postsurgical care.
• § 627.64172 — Requirements with respect to breast cancer and routine followup care.
• § 627.6418 — Coverage for mammograms.
• § 627.6419 — Requirements with respect to breast cancer.
• § 627.64193 — Required coverage for cleft lip and cleft palate.
• § 627.64194 — Coverage requirements for services provided by nonparticipating providers; payment collection limitations.
• § 627.64195 — Requirements for opioid coverage.
• § 627.64196 — Medication synchronization.
• § 627.64197 — Coverage for organ transplants.
• § 627.642 — Outline of coverage.
• § 627.6425 — Renewability of individual coverage.
• § 627.6426 — Short-term health insurance.
• § 627.643 — Uniform minimum standards.
• § 627.644 — Discrimination against handicapped prohibited.
• § 627.645 — Denial of health insurance claims restricted.
• § 627.646 — Conversion on termination of eligibility.
• § 627.647 — Standard health claim form.
• § 627.6471 — Contracts for reduced rates of payment; limitations; coinsurance and deductibles.
• § 627.6472 — Exclusive provider organizations.
• § 627.64725 — Health maintenance organization or exclusive provider organization; disclosure of terms and conditions of plan.
• § 627.6473 — Combined preferred provider and exclusive provider policies.
• § 627.64731 — Leasing, renting, or granting access to a participating provider.
• § 627.6474 — Provider contracts.
• § 627.64741 — Pharmacy benefit manager contracts.
• § 627.6475 — Individual reinsurance pool.
• § 627.6487 — Guaranteed availability of individual health insurance coverage to eligible individuals.
• § 627.64995 — Restrictions on use of state and federal funds for state exchanges.
• § 627.651 — Group contracts and plans of self-insurance must meet group requirements.
• § 627.6512 — Exemption of certain group health insurance policies.
• § 627.6513 — Scope.
• § 627.6515 — Out-of-state groups.
• § 627.6516 — Trustee groups.
• § 627.652 — Group health insurance; definitions.
• § 627.6525 — Short-term health insurance.
• § 627.653 — Employee groups.
• § 627.654 — Labor union, association, and small employer health alliance groups.
• § 627.655 — Debtor groups.
• § 627.6551 — Teacher and student groups.
• § 627.656 — Additional groups.
• § 627.6561 — Preexisting conditions.
• § 627.65612 — Limit on preexisting conditions.
• § 627.65615 — Special enrollment periods.
• § 627.6562 — Dependent coverage.
• § 627.65625 — Prohibiting discrimination against individual participants and beneficiaries based on health status.
• § 627.65626 — Insurance rebates for healthy lifestyles.
• § 627.6563 — Full-time employment defined.
• § 627.657 — Provisions of group health insurance policies.
• § 627.6571 — Guaranteed renewability of coverage.
• § 627.6572 — Pharmacy benefit manager contracts.
• § 627.65735 — Nondiscrimination of coverage for surgical procedures.
• § 627.65736 — Coverage for organ transplants.
• § 627.6574 — Maternity care.
• § 627.65745 — Diabetes treatment services.
• § 627.6575 — Coverage for newborn children.
• § 627.65755 — Dental procedures; anesthesia and hospitalization coverage.
• § 627.6577 — Dental care.
• § 627.6578 — Coverage for natural-born, adopted, and foster children; children in insured’s custodial care.
• § 627.6579 — Coverage for child health supervision services.
• § 627.658 — Use of dividends, refunds, rate reductions, commissions, service fees; premium rates.
• § 627.659 — Blanket health insurance; eligible groups.
• § 627.660 — Conditions and provisions of blanket health insurance policies.
• § 627.661 — School accident insurance claims; policy service.
• § 627.6612 — Coverage for surgical procedures and devices incident to mastectomy.
• § 627.66121 — Coverage for length of stay and outpatient postsurgical care.
• § 627.66122 — Requirements with respect to breast cancer and routine followup care.
• § 627.6613 — Coverage for mammograms.
• § 627.6615 — Children with disabilities; continuation of coverage under group policy.
• § 627.6616 — Coverage for ambulatory surgical center service.
• § 627.6617 — Coverage for home health care services.
• § 627.6618 — Payment of acupuncture benefits to certified acupuncturists.
• § 627.6619 — Massage.
• § 627.662 — Other provisions applicable.
• § 627.6621 — Advanced practice registered nurse services.
• § 627.663 — Franchise health insurance.
• § 627.664 — Assignment of incidents of ownership in group, blanket, or franchise health policies.
• § 627.6645 — Notification of cancellation, expiration, nonrenewal, or change in rates.
• § 627.6646 — Cancellation or nonrenewal prohibited.
• § 627.6648 — Shared savings incentive program.
• § 627.6651 — Replacement or termination of group, blanket, or franchise health policy or contract; liability of prior insurer.
• § 627.666 — Liability of succeeding insurer on replacement of group, blanket, or franchise health insurance policy.
• § 627.667 — Extension of benefits.
• § 627.6675 — Conversion on termination of eligibility.
• § 627.668 — Optional coverage for mental and nervous disorders required; exception.
• § 627.6686 — Coverage for individuals with autism spectrum disorder required; exception.
• § 627.669 — Optional coverage required for substance abuse impaired persons; exception.
• § 627.6691 — Coverage for osteoporosis screening, diagnosis, treatment, and management.
• § 627.66911 — Required coverage for cleft lip and cleft palate.
• § 627.6692 — Florida Health Insurance Coverage Continuation Act.
• § 627.6698 — Attorney’s fees.
• § 627.6699 — Employee Health Care Access Act.
• § 627.66996 — Restrictions on use of state and federal funds for state exchanges.
• § 627.66997 — Stop-loss insurance.
• § 627.671 — Medicare supplement reform; short title.
• § 627.672 — Definitions.
• § 627.673 — Designation as Medicare supplement policy; penalties for violations.
• § 627.6735 — Order to discontinue certain advertising.
• § 627.6736 — Filing requirements for out-of-state group policies.
• § 627.6737 — Reporting of multiple policies.
• § 627.674 — Minimum standards; filing requirements.
• § 627.6741 — Issuance, cancellation, nonrenewal, and replacement.
• § 627.6742 — Permitted compensation arrangements.
• § 627.6743 — Standards for marketing.
• § 627.6744 — Recommended purchase and excessive insurance.
• § 627.6745 — Loss ratio standards; public rate hearings.
• § 627.6746 — Compliance with Omnibus Budget Reconciliation Acts.
• § 627.675 — Mandated coverages inapplicable to Medicare supplement policies unless specifically made applicable.
• § 627.676 — Scope of this part.
• § 627.677 — Definitions.
• § 627.678 — Rules.
• § 627.6785 — Filing of rates with department.
• § 627.679 — Amount of insurance; disclosure.
• § 627.681 — Term and evidence of insurance.
• § 627.682 — Filing, approval of forms.
• § 627.683 — Licensed agent required.
• § 627.684 — Premium not deemed loan or finance charge.
• § 627.6841 — Credit insurance consolidations; general requirements.
• § 627.6842 — Group-to-group consolidations.
• § 627.6843 — Consolidation disclosure requirements.
• § 627.6844 — Replacement rules.
• § 627.6845 — Policy forms used in connection with consolidations.
• § 627.701 — Liability of insureds; coinsurance; deductibles.
• § 627.7011 — Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage.
• § 627.70121 — Payment of claims for dual interest property.
• § 627.70131 — Insurer’s duty to acknowledge communications regarding claims; investigation.
• § 627.70132 — Notice of property insurance claim.
• § 627.7015 — Alternative procedure for resolution of disputed property insurance claims.
• § 627.70151 — Appraisal; conflicts of interest.
• § 627.70152 — Suits arising under a property insurance policy.
• § 627.70153 — Consolidation of residential property insurance actions.
• § 627.70154 — Mandatory binding arbitration.
• § 627.7016 — Insurer contracts with building contractors.
• § 627.70161 — Family child care and large family child care insurance.
• § 627.7017 — Hurricane loss mitigation projects.
• § 627.7018 — Standards for determining risk of coverage.
• § 627.7019 — Standardization of requirements applicable to insurers after natural disasters.
• § 627.702 — Valued policy law.
• § 627.705 — Return of unearned premium on overinsured personal property.
• § 627.706 — Sinkhole insurance; catastrophic ground cover collapse; definitions.
• § 627.7061 — Coverage inquiries.
• § 627.7063 — Building code effectiveness grading schedule.
• § 627.707 — Investigation of sinkhole claims; insurer payment; nonrenewals.
• § 627.7072 — Testing standards for sinkholes.
• § 627.7073 — Sinkhole reports.
• § 627.7074 — Alternative procedure for resolution of disputed sinkhole insurance claims.
• § 627.711 — Notice of premium discounts for hurricane loss mitigation; uniform mitigation verification inspection form.
• § 627.712 — Residential windstorm coverage required; availability of exclusions for windstorm or contents.
• § 627.713 — Report of hurricane loss data.
• § 627.714 — Residential condominium unit owner coverage; loss assessment coverage required.
• § 627.7142 — Homeowner Claims Bill of Rights.
• § 627.715 — Flood insurance.
• § 627.7151 — Limited sinkhole coverage insurance.
• § 627.7152 — Assignment agreements.
• § 627.7153 — Policies restricting assignment of post-loss benefits under a property insurance policy.
• § 627.7154 — Property Insurer Stability Unit; duties and required reports.
• § 627.71545 — Pet insurance; noninsurance wellness programs.
• § 627.7155 — Wind and flood coverage in residential and commercial property insurance policies.
• § 627.7261 — Refusal to issue policy.
• § 627.7263 — Rental and leasing driver’s insurance to be primary; exception.
• § 627.727 — Motor vehicle insurance; uninsured and underinsured vehicle coverage; insolvent insurer protection.
• § 627.7275 — Motor vehicle liability.
• § 627.7276 — Notice of limited coverage.
• § 627.7277 — Notice of renewal premium.
• § 627.728 — Cancellations; nonrenewals.
• § 627.7281 — Cancellation notice.
• § 627.7282 — Notice of additional premium; cancellation upon nonpayment.
• § 627.7283 — Cancellation; return of unearned premium.
• § 627.7285 — Experience while operating a train.
• § 627.7286 — Renewal of policy and setting of rates; certain experience not a factor.
• § 627.7288 — Comprehensive coverage; deductible not to apply to motor vehicle glass.
• § 627.7289 — Assignment of post-loss motor vehicle glass benefits prohibited.
• § 627.7291 — Motor vehicle windshield claims and practices; steering prohibited; exceptions.
• § 627.7295 — Motor vehicle insurance contracts.
• § 627.72951 — Temporary binding permitted.
• § 627.730 — Florida Motor Vehicle No-Fault Law.
• § 627.731 — Purpose.
• § 627.7311 — Effect of law on personal injury protection policies.
• § 627.732 — Definitions.
• § 627.733 — Required security.
• § 627.734 — Proof of security; security requirements; penalties.
• § 627.736 — Required personal injury protection benefits; exclusions; priority; claims.
• § 627.737 — Tort exemption; limitation on right to damages; punitive damages.
• § 627.739 — Personal injury protection; optional limitations; deductibles.
• § 627.7401 — Notification of insured’s rights.
• § 627.7403 — Mandatory joinder of derivative claim.
• § 627.7405 — Insurers’ right of reimbursement.
• § 627.7407 — Application of the Florida Motor Vehicle No-Fault Law.
• § 627.7415 — Commercial motor vehicles and qualified motor vehicles; additional liability insurance coverage.
• § 627.742 — Nonpublic sector buses; additional liability insurance coverage.
• § 627.743 — Payment of third-party claims.
• § 627.744 — Preinsurance inspection of private passenger motor vehicles.
• § 627.745 — Mediation of claims.
• § 627.746 — Coverage for minors who have a learner’s driver license; additional premium prohibited.
• § 627.747 — Named driver exclusion.
• § 627.748 — Transportation network companies.
• § 627.7483 — Peer-to-peer car sharing; insurance requirements.
• § 627.749 — Autonomous vehicles; insurance requirements.
• § 627.7491 — Official law enforcement vehicles; motor vehicle insurance requirements.
• § 627.751 — Surety on required bonds; release.
• § 627.752 — Bonds in judicial proceedings.
• § 627.754 — Sureties upon official bonds.
• § 627.756 — Bonds for construction contracts; attorney fees in case of suit.
• § 627.758 — Surety on auto club traffic arrest bond; conditions, limit; bail bond.
• § 627.759 — Estoppel to deny power.
• § 627.7711 — Definitions.
• § 627.776 — Applicability or inapplicability of Florida Insurance Code provisions to title insurers.
• § 627.777 — Approval of forms.
• § 627.7773 — Accounting and auditing of forms by title insurers.
• § 627.7776 — Furnishing of supplies; civil liability.
• § 627.778 — Limit of risk.
• § 627.780 — Illegal dealings in premium.
• § 627.782 — Adoption of rates.
• § 627.783 — Rate deviation.
• § 627.7831 — Commitments; charges; collection.
• § 627.784 — Casualty title insurance prohibited.
• § 627.7841 — Insurance against adverse matters or defects in the title.
• § 627.7842 — Policy exceptions.
• § 627.7843 — Property information reports.
• § 627.7845 — Determination of insurability required; preservation of evidence of title search and examination.
• § 627.785 — Preemption by state.
• § 627.786 — Transaction of title insurance and any other kind of insurance prohibited.
• § 627.7865 — Title insurer assessments.
• § 627.791 — Penalties against title insurers for violations by persons or entities not licensed.
• § 627.792 — Liability of title insurers for defalcation by title insurance agents or agencies.
• § 627.796 — Errors and omissions policy requirements.
• § 627.798 — Rulemaking authority.
• § 627.801 — Application of this part.
• § 627.8015 — “Indeterminate value contracts” and “variable contracts” defined.
• § 627.802 — Establishment and maintenance of separate accounts.
• § 627.803 — Statement of value of benefits.
• § 627.804 — Investment of assets.
• § 627.805 — Regulation of variable and indeterminate value contracts; rules.
• § 627.8055 — Qualification of companies to issue variable or indeterminate value contracts.
• § 627.806 — Applicability of code to indeterminate value contracts and variable life insurance contracts and accounts.
• § 627.807 — Variable or indeterminate value contract reserve requirements.
• § 627.826 — “Premium finance company” defined.
• § 627.827 — “Premium finance agreement” defined.
• § 627.828 — License required.
• § 627.8281 — Levy upon deposit.
• § 627.829 — Approval, disapproval of application; license renewal.
• § 627.832 — Grounds for refusal, suspension, or revocation of license.
• § 627.833 — Administrative fine and probation in lieu of suspension, revocation, or refusal to renew license.
• § 627.834 — Examinations.
• § 627.835 — Excessive premium finance charge; penalty.
• § 627.836 — Licensee’s books and records; reports.
• § 627.838 — Filing and approval of forms; service charges.
• § 627.839 — Form and content of premium finance agreements.
• § 627.840 — Limitation on service and other charges.
• § 627.8405 — Prohibited acts; financing companies.
• § 627.841 — Delinquency, collection, cancellation, and check return charges; attorney’s fees.
• § 627.842 — Restrictions on premium finance agreements.
• § 627.843 — Delivery of copy of premium finance agreement.
• § 627.844 — Assignment of premium finance agreement.
• § 627.845 — Statement of account; receipts.
• § 627.847 — Extensions or deferrals.
• § 627.848 — Cancellation of insurance contract upon default.
• § 627.849 — Fees.
• § 627.901 — Premium financing by an insurance agent or agency.
• § 627.902 — Premium financing by an insurer or subsidiary.
• § 627.903 — Premium finance cost specified.
• § 627.904 — Insurer filing; approval of forms; service charge filing.
• § 627.911 — Scope of this part.
• § 627.912 — Professional liability claims and actions; reports by insurers and health care providers; annual report by office.
• § 627.9122 — Officers’ and directors’ liability claims; reports by insurers.
• § 627.9126 — Reports by liability insurers.
• § 627.913 — Reports by products liability insurers.
• § 627.914 — Reports of information by workers’ compensation insurers required.
• § 627.915 — Insurer experience reporting.
• § 627.917 — Uniform risk classification reporting system for motor vehicle insurance.
• § 627.9175 — Reports of information on health and accident insurance.
• § 627.918 — Reporting formats.
• § 627.919 — Maintenance of insurance data.
• § 627.9401 — Short title.
• § 627.9402 — Purpose.
• § 627.9403 — Scope.
• § 627.9404 — Definitions.
• § 627.9405 — Authorized groups; filing requirements.
• § 627.9406 — Out-of-state group long-term care insurance.
• § 627.9407 — Disclosure, advertising, and performance standards for long-term care insurance.
• § 627.94071 — Minimum standards for home health care benefits.
• § 627.94072 — Mandatory offers.
• § 627.94073 — Notice of cancellation; grace period.
• § 627.94074 — Standards for benefit triggers.
• § 627.94075 — A qualified state Long-Term Care Insurance Partnership Program in Florida.
• § 627.94076 — Time limit on certain defenses.
• § 627.9408 — Rules.
• § 627.941 — Purpose.
• § 627.942 — Definitions.
• § 627.943 — Risk retention groups certified in Florida.
• § 627.944 — Risk retention groups not certificated in this state.
• § 627.945 — Compulsory association.
• § 627.946 — Countersignatures not required.
• § 627.947 — Purchasing groups; exemption from certain insurer provisions.
• § 627.948 — Notice and registration requirements of purchasing groups.
• § 627.949 — Restrictions on insurance purchased by purchasing groups.
• § 627.950 — Administrative and procedural authority regarding risk retention and purchasing groups.
• § 627.951 — Penalties; cease and desist orders; injunctions.
• § 627.952 — Risk retention and purchasing group agents.
• § 627.953 — Binding effect of orders issued in United States District Court.
• § 627.954 — Rules.
• § 627.955 — Limitation on deductibles.
• § 627.971 — Definitions.
• § 627.972 — Organization; financial requirements.
• § 627.973 — Limitations.
• § 627.974 — Filing of policy forms and rates.
• § 627.975 — Reinsurance.
• § 627.981 — Scope of part.
• § 627.982 — Definitions.
• § 627.983 — General requirements.
• § 627.984 — Group-to-group consolidations.
• § 627.985 — Disclosure requirements.
• § 627.986 — Replacement rules.
• § 627.987 — Policy forms.
• § 627.9901 — Purpose.
• § 627.9902 — Scope.
• § 627.9903 — Definitions.
• § 627.9904 — Term of insurance policy.
• § 627.9905 — Calculation of coverage and payment of premiums.
• § 627.9906 — Prohibited practices.
• § 627.9907 — Noncircumvention.
• § 627.9908 — Evidence of coverage.
• § 627.9909 — Filing, approval, and withdrawal of forms and rates.
• § 627.9911 — Enforcement; proceedings; penalties.
• § 627.9912 — Rulemaking.
• § 627.9913 — Severability.