Florida Statutes Chapter 628 — STOCK AND MUTUAL INSURERS; HOLDING COMPANIES

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

• § 628.011 — Scope of part.
• § 628.021 — “Stock insurer” defined.
• § 628.031 — “Mutual insurer” defined.
• § 628.041 — Applicability of general corporation statutes.
• § 628.051 — Application for permit to form insurer; contents; fee.
• § 628.061 — Investigation of proposed organization.
• § 628.071 — Granting, denial of permit.
• § 628.081 — Incorporation of domestic insurer.
• § 628.091 — Filing, approval of articles of incorporation.
• § 628.101 — Amendment of certificate of incorporation; stock insurer.
• § 628.111 — Amendment of articles of incorporation; mutual insurer.
• § 628.121 — Capital stock; amount; payment.
• § 628.131 — Limitation on organization and stock sales expenses.
• § 628.151 — Insurance business exclusive.
• § 628.152 — Domestic stock insurers; proxies, consents, and authorizations with respect to any voting security.
• § 628.161 — Initial qualifications; mutuals.
• § 628.171 — Formation of mutual insurer; bond.
• § 628.221 — Bylaws of mutual insurer.
• § 628.231 — Directors.
• § 628.251 — Management and exclusive agency contracts.
• § 628.255 — Person with effective control cannot receive commission unless contract approved; penalties.
• § 628.261 — Notice of change of director or officer.
• § 628.271 — Office and records; penalty for unlawful removal of records.
• § 628.281 — Exceptions to requirement that office, records, and assets be maintained in this state.
• § 628.291 — Unauthorized transactions in other states.
• § 628.301 — Membership in mutual insurer.
• § 628.341 — Nonassessable policies; mutual insurers.
• § 628.351 — Nonassessable policies; revocation of authority of mutual insurer.
• § 628.361 — Participating policies.
• § 628.371 — Dividends to stockholders.
• § 628.381 — Dividends to mutual policyholders.
• § 628.391 — Illegal dividends; penalty.
• § 628.401 — Borrowed surplus.
• § 628.411 — Impairment of capital or assets.
• § 628.421 — Assessment of stockholders or members.
• § 628.431 — Mutualization of stock insurers.
• § 628.441 — Converting mutual insurer.
• § 628.451 — Merger or share exchange of stock insurers and other entities.
• § 628.461 — Acquisition of controlling stock.
• § 628.4615 — Specialty insurers; acquisition of controlling stock, ownership interest, assets, or control; merger or consolidation.
• § 628.471 — Mergers; mutual insurers.
• § 628.481 — Bulk reinsurance; stock insurers.
• § 628.491 — Mergers and consolidations; mutual insurers; agreement of bulk reinsurance.
• § 628.501 — Mutual member’s share of assets on liquidation.
• § 628.511 — Ownership or transfer of securities without physical delivery of certificates.
• § 628.520 — Change of domicile of a foreign insurer.
• § 628.525 — Change of domicile of a domestic insurer.
• § 628.530 — Effects of redomestication.
• § 628.535 — Authority to adopt rules.
• § 628.6011 — Assessable mutual insurers.
• § 628.6012 — Premiums written; restrictions.
• § 628.6013 — Converted self-insurance fund; trade association; board of directors.
• § 628.6014 — Annual reports.
• § 628.6015 — Tax on premiums, contributions, and assessments of assessable mutual insurers.
• § 628.6016 — Applicability of related laws.
• § 628.6017 — Converting assessable mutual insurer.
• § 628.6018 — Assessments.
• § 628.701 — Scope.
• § 628.703 — Definitions.
• § 628.705 — Prohibition of stock transfers.
• § 628.707 — Applicability of general corporation statutes.
• § 628.709 — Formation of a mutual insurance holding company.
• § 628.711 — Plan of reorganization.
• § 628.713 — Dividends.
• § 628.715 — Merger and acquisitions.
• § 628.717 — Filing of articles of incorporation.
• § 628.719 — Amendment of articles of incorporation.
• § 628.721 — Bylaws.
• § 628.723 — Directors.
• § 628.725 — Notice of change of director or officer.
• § 628.727 — Membership.
• § 628.729 — Member’s share of assets on voluntary dissolution.
• § 628.730 — Merger with intermediate holding company.
• § 628.731 — Application of holding company statutes and regulations.
• § 628.733 — Converting mutual insurance holding company.
• § 628.801 — Insurance holding companies; registration; regulation.
• § 628.8015 — Own-risk and solvency assessment; corporate governance annual disclosure.
• § 628.802 — Injunction.
• § 628.803 — Sanctions.
• § 628.804 — Groupwide supervision for international insurance groups.
• § 628.805 — Supervisory colleges.
• § 628.901 — Definitions.
• § 628.905 — Licensing; authority.
• § 628.906 — Application requirements; restrictions on eligibility of officers and directors.
• § 628.907 — Minimum capital and net assets requirements; restriction on payment of dividends.
• § 628.908 — Surplus requirements; restriction on payment of dividends.
• § 628.909 — Applicability of other laws.
• § 628.910 — Incorporation options and requirements.
• § 628.911 — Reports and statements.
• § 628.912 — Discounting of loss and loss adjustment expense reserves.
• § 628.913 — Captive reinsurance companies.
• § 628.914 — Minimum capitalization or reserves for captive reinsurance companies.
• § 628.9141 — Incorporation of a captive reinsurance company.
• § 628.9142 — Reinsurance; effect on reserves.
• § 628.915 — Exemption from compulsory association.
• § 628.917 — Insolvency and liquidation.
• § 628.918 — Management of assets of captive reinsurance company.
• § 628.919 — Standards to ensure risk management control by parent company.
• § 628.920 — Eligibility of licensed captive insurance company for certificate of authority to act as insurer.
• § 628.921 — Protected cell captive insurance companies.