--- title: "Employment practices liability in Florida" description: "Florida’s FCRA uses a 15-employee, 20-week employer test and a 365-day state complaint period." canonical: "https://spot.insure/coverage/employment-practices/florida" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/employment-practices/florida) # Employment practices liability in Florida The Florida Civil Rights Act generally applies to an employer with at least 15 employees for each working day in 20 or more weeks of the current or preceding calendar year. An administrative complaint must be filed within 365 days. Confirm the workforce count and the policy’s response to Florida Commission on Human Relations or EEOC notices.[^1][^3] **Coverage:** [Employment practices liability](/coverage/employment-practices) · [Florida](/coverage/states/florida) ## What Is Employment Practices Liability? EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [Read the national Employment practices liability guide](/coverage/employment-practices). ## Florida Requirements | Requirement | Details | | --- | --- | | Florida employer threshold | The FCRA’s employer definition requires 15 or more employees for each working day in 20 or more calendar weeks of the current or preceding calendar year.[^1] | ## What to Watch for in Florida ### Use the statutory 20-week employee count Florida’s employer test looks for 15 or more employees on each working day in 20 or more calendar weeks of the current or preceding calendar year. Ask who counts employees across Florida entities and confirm the insured schedule reflects that count.[^1] ### Do not let the 365-day complaint period replace policy notice A person generally must file an FCRA complaint within 365 days of the alleged violation. The statute accepts filings through the Florida Commission on Human Relations or qualifying federal/state fair-employment agencies; coordinate the agency’s stamped filing date with the insurer’s separate reporting terms.[^3] ### Include retaliation in the claim discussion The FCRA separately prohibits retaliation for opposing an unlawful employment practice or participating in an investigation or proceeding. Ask how the policy treats a retaliation claim attached to an earlier discrimination allegation.[^2] ### Review Florida’s listed protected grounds Florida’s statute lists race, color, religion, sex, pregnancy, national origin, age, disability, and marital status for employment discrimination claims. Ask whether the policy’s terms respond to the Florida allegations and related defense costs.[^2] ## Who Regulates Insurance in Florida **Florida Office of Insurance Regulation.** The Florida Office of Insurance Regulation licenses and regulates insurance companies and reviews rates and forms. The Department of Financial Services separately licenses insurance agents and handles consumer insurance complaints; its resource page links to both state license searches.[^4][^5][^6] - [Regulator website](https://floir.gov/) - [License lookup](https://myfloridacfo.com/division/ica/resources) - [File a complaint](https://myfloridacfo.com/division/consumers/needourhelp) - Phone: 1-877-693-5236 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 4.94% of gross premium plus a 0.03% FSLSO service fee for policies effective July 1, 2026 or later When Florida is the insured’s home state, Florida taxes the entire gross premium at 4.94%; the premium definition includes policy and similar insurance charges. The separate FSLSO service fee is 0.03% for policies effective July 1, 2026 or later. Surplus-lines policies do not receive Florida Insurance Guaranty Association protection.[^7][^8][^9] [Florida Surplus Lines Service Office](https://www.fslso.com/) ## Providers With Documented State Licenses These providers publish a national listing for Employment practices liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Florida; [check the regulator’s license lookup](https://myfloridacfo.com/division/ica/resources) and confirm state availability for your business when requesting a quote. - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only.[^11] - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^12] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^15] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^16] ## Questions to Ask Before You Buy in Florida 1. Did the Florida employee count meet the 15-person, 20-week test in either relevant calendar year? 2. Which agency filing date should be shared with the insurer, and what additional policy notice is required? 3. Does the quote’s wording address retaliation and the Florida statute’s listed employment grounds? ## Employment Practices Liability in Florida: FAQ ### How does Florida count employees for the FCRA threshold? The definition requires 15 or more employees for each working day in 20 or more calendar weeks during the current or preceding calendar year.[^1] ### How long does someone have to file a Florida FCRA complaint? The statute generally allows 365 days after the alleged violation to file an administrative complaint. Policy notice requirements are separate.[^3] ## Employment Practices Liability in Other States - [Alabama](/coverage/employment-practices/alabama) - [Alaska](/coverage/employment-practices/alaska) - [Arizona](/coverage/employment-practices/arizona) - [Arkansas](/coverage/employment-practices/arkansas) - [California](/coverage/employment-practices/california) - [Colorado](/coverage/employment-practices/colorado) - [Connecticut](/coverage/employment-practices/connecticut) - [Delaware](/coverage/employment-practices/delaware) - [District of Columbia](/coverage/employment-practices/district-of-columbia) - [Georgia](/coverage/employment-practices/georgia) - [Hawaii](/coverage/employment-practices/hawaii) - [Idaho](/coverage/employment-practices/idaho) - [Illinois](/coverage/employment-practices/illinois) - [Indiana](/coverage/employment-practices/indiana) - [Iowa](/coverage/employment-practices/iowa) - [Kansas](/coverage/employment-practices/kansas) - [Kentucky](/coverage/employment-practices/kentucky) - [Louisiana](/coverage/employment-practices/louisiana) - [Maine](/coverage/employment-practices/maine) - [Maryland](/coverage/employment-practices/maryland) - [Massachusetts](/coverage/employment-practices/massachusetts) - [Michigan](/coverage/employment-practices/michigan) - [Minnesota](/coverage/employment-practices/minnesota) - [Mississippi](/coverage/employment-practices/mississippi) - [Missouri](/coverage/employment-practices/missouri) - [Montana](/coverage/employment-practices/montana) - [Nebraska](/coverage/employment-practices/nebraska) - [Nevada](/coverage/employment-practices/nevada) - [New Hampshire](/coverage/employment-practices/new-hampshire) - [New Jersey](/coverage/employment-practices/new-jersey) - [New Mexico](/coverage/employment-practices/new-mexico) - [New York](/coverage/employment-practices/new-york) - [North Carolina](/coverage/employment-practices/north-carolina) - [North Dakota](/coverage/employment-practices/north-dakota) - [Ohio](/coverage/employment-practices/ohio) - [Oklahoma](/coverage/employment-practices/oklahoma) - [Oregon](/coverage/employment-practices/oregon) - [Pennsylvania](/coverage/employment-practices/pennsylvania) - [Rhode Island](/coverage/employment-practices/rhode-island) - [South Carolina](/coverage/employment-practices/south-carolina) - [South Dakota](/coverage/employment-practices/south-dakota) - [Tennessee](/coverage/employment-practices/tennessee) - [Texas](/coverage/employment-practices/texas) - [Utah](/coverage/employment-practices/utah) - [Vermont](/coverage/employment-practices/vermont) - [Virginia](/coverage/employment-practices/virginia) - [Washington](/coverage/employment-practices/washington) - [West Virginia](/coverage/employment-practices/west-virginia) - [Wisconsin](/coverage/employment-practices/wisconsin) - [Wyoming](/coverage/employment-practices/wyoming) [Other Coverage in Florida](/coverage/states/florida) ## Sources [^1]: [Florida Statutes § 760.02 — Definitions](https://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0700-0799%2F0760%2FSections%2F0760.02.html) — Florida Legislature; Subsection (7): employer definition, 15 or more employees for each working day in 20 or more calendar weeks in current or preceding calendar year.. Accessed 2026-09-28. [^2]: [Florida Statutes § 760.10 — Unlawful employment practices](https://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0700-0799%2F0760%2FSections%2F0760.10.html) — Florida Legislature; Subsections (1) and (7): employment discrimination based on listed grounds and prohibition on retaliation.. Accessed 2026-09-28. [^3]: [Florida Statutes § 760.11 — Administrative and civil remedies](https://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0700-0799%2F0760%2FSections%2F0760.11.html) — Florida Legislature; Subsections (1)–(4): 365-day complaint period, filing routes, investigation process, and civil remedies.. Accessed 2026-09-28. [^4]: [Florida Office of Insurance Regulation](https://floir.gov/) — Florida Office of Insurance Regulation; Official regulator homepage; insurer regulation. Accessed 2026-09-28. [^5]: [Resources](https://myfloridacfo.com/division/ica/resources) — Florida Office of the Insurance Consumer Advocate; State page links to DFS agent search and OIR active company search. Accessed 2026-09-28. [^6]: [Get Insurance Help](https://myfloridacfo.com/division/consumers/needourhelp) — Florida Department of Financial Services; Insurance concern and formal complaint intake; consumer helpline. Accessed 2026-09-28. [^7]: [Florida Statutes § 626.932: Surplus lines tax](https://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.932.html) — Florida Legislature; 4.94% tax on gross premium; home-state taxation; statutory definition of premium. Accessed 2026-09-28. [^8]: [FSLSO Bulletin 2026-02](https://www.fslso.com/docs/default-source/bulletins/fslso-bulletin-2026-02.pdf?sfvrsn=186161a3_1) — Florida Surplus Lines Service Office; Service-fee rate effective July 1, 2026: 0.03%. Accessed 2026-09-28. [^9]: [Surplus Lines Search](https://www.floir.gov/resources-and-reports/surplus-lines-search) — Florida Office of Insurance Regulation; Consumer guidance for nonadmitted insurers, including absence of FIGA protection. Accessed 2026-09-28. [^10]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^11]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^12]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^13]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^14]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^15]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^16]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/employment-practices/florida.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)