Business Insurance in Florida

Insurance Regulator

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. ^1,2,3

• Regulator website
• License lookup
• File a complaint
• 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. ^4,5,6

Florida Surplus Lines Service Office

Coverage Guides

• General Liability Insurance in Florida

  For causes accruing after March 24, 2023, Florida generally gives two years for negligence claims and bars recovery only when a claimant’s fault exceeds 50%.

• Directors and Officers (D&O) Insurance in Florida

  Check Florida’s director-liability exceptions and limits on indemnification when choosing D&O terms and limits.

• Florida Technology E&O: Keep Lawsuit Deadlines Separate From Policy Notice

  Florida filing periods differ for written-instrument contracts, other contract actions, negligence, and some professional malpractice; separate those court deadlines from your E&O policy’s notice terms.

• Cyber Liability Insurance in Florida

  Florida’s 30-day clock and agent deadline are joined by a no-notice finding that requires both investigation and law-enforcement consultation.

• Media Liability Coverage in Florida

  Florida requires advance written notice before a libel or slander action involving publication or broadcast, and its correction rules and SLAPP statute have defined scope.

• Employment practices liability in Florida

  Florida’s FCRA uses a 15-employee, 20-week employer test and a 365-day state complaint period.

• Fiduciary Liability Insurance in Florida

  Check Florida’s small-employer continuation scope and delegated administration when discussing fiduciary liability.

• Florida Hired and Non-Owned Auto Coverage

  Florida’s vehicle security and PIP rules affect how employees may be protected while using cars for work.

• Professional Liability (E&O) Insurance in Florida

  Compare Florida's title-agency and title-search E&O rules, deductibles, and differences between licensed agencies and individual searchers.

• Workers’ Compensation Insurance in Florida

  Compare Florida’s construction, non-construction, and agricultural thresholds, then check the contractor and out-of-state rules.

• Florida BOP insurance: compare wind, flood and income sublimits

  Compare Florida BOP property, general liability and income sublimits with hurricane, storm-surge and flood exposure.

• Florida umbrella and excess liability: follow the project specification

  For contractors bidding Florida public work, especially bridge maintenance, construction and projects near navigable water.

• Medical malpractice insurance in Florida

  Florida’s financial-responsibility options apply to defined physician license classes and change with hospital and surgical-center privileges.

• Representations and Warranties Insurance in Florida

  Check Florida’s ordinary-course and wholly owned subsidiary exceptions, shareholder-approval trigger, and merger liability transfer when setting deal and policy schedules.

• Kidnap and Ransom Insurance in Florida

  See how Florida's surplus-lines rules, disclosures, and placement options affect a business buying kidnap and ransom coverage.

• Florida crime insurance guide

  Crime insurance considerations for Florida businesses, including title agency fidelity, surety, and escrow duties.

• Commercial Auto Insurance in Florida

  Florida sets additional combined liability limits by weight for covered commercial and qualified vehicles using state roads.

• Cargo and Transit Insurance in Florida

  Check Florida's household-mover shipment liability minimum, small-fleet alternatives, and mandatory written valuation disclosure.

• Liquor Liability in Florida

  Florida generally shields sellers from liability for injuries caused by an adult’s intoxication, with statutory exceptions for unlawful service to minors and known habitual addiction.

• Key Person Insurance in Florida

  Learn how Florida insurable-interest rules, employee consent, and life guaranty limits affect a business-owned key person policy.

• Product Liability in Florida

  Florida gives four years for a defined category of product-based personal-injury actions, runs that § 95.11(3) period from discovery, and separately applies product-age repose rules.

• Commercial Property Insurance in Florida

  Compare commercial flood terms, Florida’s sinkhole coverage offer, renewal notice timing, and the actual forms attached to your quote.

• Florida garage liability for vehicle and RV dealers

  A guide for Florida franchised and independent vehicle dealers, salvage dealers, and recreational-vehicle dealers.

• Inland Marine Insurance in Florida

  Florida law ties the inland-marine class to insurance-business custom and commission rule, while the state's consumer guide shows some property needs can be handled by endorsement or a separate inland-marine contract.

• Florida Public Construction Bonds

  Florida public construction requires payment and performance bonds, with different state and local small-contract exceptions.

• Florida Builders Risk Insurance

  In Florida, review the wind and rain wording closely and identify any coastal construction control line obligations.

• Equipment Breakdown Insurance in Florida

  Florida’s Boiler Safety Act inspection requirements apply only to boilers in public-assembly locations, subject to stated exemptions; the State Fire Marshal also provides a public database of certificates and inspection reports.

• Florida management-liability coverage for employers near the FCRA threshold

  For Florida employers approaching fifteen workers, the FCRA’s size and timing rules help focus EPL underwriting questions, but they do not settle federal, local, contractual, or policy scope.

• Product Recall Insurance in Florida

  Florida separates manufactured-food preventive-control plans from state stop-sale authority; compare the triggers and resulting costs.

• Florida Fidelity Bonds for Title Insurance Agencies

  Florida title agencies should compare the appointing insurer’s fidelity requirement with the separate contract surety bond and E&O policy.

• Intellectual Property Insurance in Florida

  Learn how Florida’s commercial likeness statute and trade-secret definition affect defense questions for advertising, licensing, and confidential business information.

• Contract Frustration Insurance in Florida

  What Florida's financial-guaranty rules mean for checking an international contract-frustration proposal.

• Last-mile delivery insurance in Florida

  As of September 28, 2026, compare Florida’s current heavy-CMV bands with each vehicle’s GVW; a signed amendment expands the rule on October 1, 2026. Local pickup/delivery also has distinct IRP treatment, which is a registration question rather than coverage.

• Venture Capital Asset Protection Insurance in Florida

  Check how Florida adviser rules and fund entity structure affect a venture capital manager’s insurance review.

• Digital asset business insurance in Florida

  Coverage questions for Florida virtual-currency kiosks, money transmitters, and custodians.

• Telehealth Insurance in Florida

  Florida requires out-of-state registrants to maintain telehealth liability or financial responsibility for Florida patients and publish their policy limits.

• Generative AI liability insurance in Florida

  Florida separates nonconsensual altered sexual depictions from a narrow political-ad disclaimer rule; identify whether you generate, promote, or host content.

• Employee Health Benefits in Florida

  State-specific enrollment and continuation rules help employers in Florida compare group plans and employee transitions.

• Trucking Insurance in Florida

  Apply Florida's commercial-truck liability tiers and registration-proof rules, with the October 1, 2026 statutory amendment date in view.

Sources

1. Florida Office of Insurance Regulation. Florida Office of Insurance Regulation; Official regulator homepage; insurer regulation. Accessed 2026-09-28.
2. Resources. Florida Office of the Insurance Consumer Advocate; State page links to DFS agent search and OIR active company search. Accessed 2026-09-28.
3. Get Insurance Help. Florida Department of Financial Services; Insurance concern and formal complaint intake; consumer helpline. Accessed 2026-09-28.
4. Florida Statutes § 626.932: Surplus lines tax. Florida Legislature; 4.94% tax on gross premium; home-state taxation; statutory definition of premium. Accessed 2026-09-28.
5. FSLSO Bulletin 2026-02. Florida Surplus Lines Service Office; Service-fee rate effective July 1, 2026: 0.03%. Accessed 2026-09-28.
6. Surplus Lines Search. Florida Office of Insurance Regulation; Consumer guidance for nonadmitted insurers, including absence of FIGA protection. Accessed 2026-09-28.
7. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
8. Licenses and Carriers. 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.
9. Insurance Producer 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.
10. About Hiscox US 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.
11. 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.
12. Insurance Licenses by State. 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.
13. 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.