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Telehealth Insurance in Florida

An out-of-state professional using Florida’s telehealth registration route must register, stay within Florida scope rules, and maintain professional-liability coverage or financial responsibility that includes Florida patient services. The Department of Health publishes malpractice insurer and limits for registrants, including whether the policy covers claims arising in Florida. 1,2

What Is Virtual Care And Telehealth?

Telehealth liability can cover claims arising from remote health care, such as a video visit or remote monitoring. If you provide care online, match the quote to your clinicians, services and patient locations; cyber and in-person risks need separate review. Read the national Virtual care and telehealth guide.

Florida Requirements

RequirementDetails
Out-of-State Telehealth Registrant Financial ResponsibilityMaintain professional-liability coverage or financial responsibility for Florida patient services at or above the applicable Florida profession-specific level; no single amount covers every profession. 1,2

What to Watch for in Florida

  • Florida Patient Coverage Must Be Addressed

    Out-of-state registrants must maintain liability coverage or financial responsibility for Florida patient services at the amount prescribed by Florida law. The March 2026 application asks all registrants to report a malpractice carrier, limits, and whether claims in Florida are covered; the Department says medical-malpractice insurance itself is required only for MDs and DOs. Have the broker verify the appropriate financial-responsibility route for each profession and confirm the policy's Florida claim treatment. 1,2,3

  • The Out-of-State Route Is Telehealth Only

    A registrant may not open a Florida office or provide in-person care to Florida patients under this registration. An emergency or consultation with a Florida-licensed professional who retains ultimate diagnostic and care authority can qualify for an exception to registration. Ask whether the practice also has Florida-licensed clinicians and keep their operations distinct on the application and policy schedule. 1,2

  • Profession and Prescribing Limits Still Apply

    Florida applies the in-person scope and prevailing standard of care to telehealth. It bars most Schedule II prescribing, except for psychiatric treatment, hospital inpatient treatment, hospice, or nursing-home residents. Florida distinguishes required medical-malpractice insurance for MDs and DOs from the professional-liability or financial-responsibility requirement for all out-of-state registrants. Schedule the profession and any exception-based prescribing separately, then confirm policy terms with the broker. 1,3

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

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

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Florida

  1. Which professions use the out-of-state registration route, and what financial-responsibility amount applies to each?
  2. Will the policy declarations show the insurer, per-claim and aggregate limits, and Florida claims coverage required by the application?
  3. Which Florida work is performed under a full state license, a compact, or an out-of-state telehealth registration?

Virtual Care And Telehealth in Florida: FAQ

Does Florida require liability coverage for out-of-state telehealth registrants? 1,3

Yes. An out-of-state registrant must maintain professional-liability coverage or financial responsibility for telehealth services to Florida patients at the applicable statutory level. Florida separately requires medical-malpractice insurance only for physicians licensed as MDs or DOs. 1,3

Can a provider use Florida’s out-of-state telehealth registration to see Florida patients in person? 1

No. The registration route does not allow a Florida office or in-person care to Florida patients; a separate Florida credential is needed for that work. 1

Virtual Care And Telehealth in Other States

Other Coverage in Florida

Sources

  1. Florida Statutes §456.47, Use of Telehealth to Provide Services. Florida Legislature, Online Sunshine; Subsections (2)–(6), especially (4)(e), (f), (h); 2026 Florida Statutes, out-of-state registrant, liability, public malpractice information, patient location and exceptions. Accessed 2026-09-28.
  2. Application for Out-of-State Telehealth Provider Registration (DH5037-MQA, March 2026). Florida Department of Health, Medical Quality Assurance; Florida Department of Health application DH5037-MQA (Mar. 2026), §§ 6–7, pp. 4–5; all-registrant financial responsibility and the separate insurer/limits/Florida-claim disclosure. Accessed 2026-09-28.
  3. Telehealth Frequently Asked Questions. Florida Department of Health, Medical Quality Assurance; Florida Department of Health, Telehealth FAQs: out-of-state registration applies only to clinicians not licensed in Florida; liability requirement applies to all out-of-state registrants; malpractice insurance only MD/DO; FAQ last checked September 28, 2026. Accessed 2026-09-28.
  4. Florida Office of Insurance Regulation. Florida Office of Insurance Regulation; Official regulator homepage; insurer regulation. Accessed 2026-09-28.
  5. 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. 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. Florida Legislature; 4.94% tax on gross premium; home-state taxation; statutory definition of premium. Accessed 2026-09-28.
  8. FSLSO Bulletin 2026-02. Florida Surplus Lines Service Office; Service-fee rate effective July 1, 2026: 0.03%. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. 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 .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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