Department of Financial Services Bureau of Licensing
Appointments & Terminations
Within 45 days of appointment effective date
Appointments must be submitted within 45 days of the appointment effective date, which is determined by the carrier and listed on the appointment form
$60 additional per county and a $6 fee must be paid for every county in which a nonresident agent intends to physically transact insurance. Nonresident Adjusters do not pay a county fee.
Required. and is date supplied on transaction. Effective date must not precede effective date of appointee license. Effective date must not precede effective date of appointer license. Effective date must not be in the future.
Every 24 months during the appointee's birth month
$25 per appointment
Voluntary termination; death; request regulatory review
Required and is the date supplied on transaction. Must be 33 days old or less and precede the effective date of the appointment. Must not be in the future
Although Florida licenses are perpetual, operating without an appointment can cause your license to be placed inactive. Additionally, failure to complete CE can cause a license to go inactive, which in turn will cancel appointments
Resident New License Insurance Producer: $50 (all lines except Title) Non Resident New License Insurance Producer: $50 (all lines except Title)
Last day of birth month every 2 years based on year of first state license issue
Residence, Business, and Mailing
Agent, Managing General Agent, Third Party Administrator, Donor Annuity, Home Warranty Association, Life and Health Insurer, Motor Vehicle Service Agreement Company, Property/Casualty Insurer, Rating Organization, Risk Retention Group, Broker, Risk Purchasing Group, Public Adjuster, Adjuster, Service Representative, Manager, Miscellaneous, Designated Home State Adjuster
Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA
While the Florida Department of Financial Services Bureau of Licensing said “Florida does not differentiate between brokers and producers,” the state allows agents to have an “unaffiliated” status if they are “self-appointed.” In this capacity, Florida recognizes that self-appointed agents are acting as independent insurance consultants – they can’t have an affiliation or appointment with any other agency or carrier. Further, they are forbidden from receiving any commissions or incentives from the carriers on products they negotiate during the period they are unaffiliated
Classroom / monitored self study
The provider submits proof of completion. The individual must submit transcript for college credit with application.
Course completion certificate is valid for 4 years
An individual who was or became qualified to sit for the agent's or adjuster's examination while he/she was employed by the Department or Office and who had responsible insurance duties as a full-time employee may take an examination if application for the examination is made within 4 years after employment termination. Individuals holding a limited license for travel, motor vehicle rental, credit, in-transit and storage personal property, or portable electronics are not subject to the pre-licensing education requirements.
License is perpetual as long as agent in charge is licensed.
Not required, but the agency can only transact business for the lines of authority their agents are licensed and appointed for.
License not required but branch must be registered
AK, AL, AR, AZ, CT, GA, HI, ID, IN, KY, LA, ME, MI, MN, MS, MT, NC, NH, NM, NV, OK, OR, PR, RI, SC, TX, UT, VT, WA, WV, WY
CA, HI, NY,
Initial Licensing & Application Fee: $50 Independent Adjuster Appointment Fee: $60 No Renewal Fee
Perpetual. No renewal is required. The license will expire if no appointment has been held in 48 months.
Public Adjuster Apprentice License
Licensing Fee: $50 Appointment Fee: $60
6 Months minimum or 100 hours within 12 months to become licensed.
Emergency licenses will last 180 days past their activation date. The individuals must be an accepted adjuster (independent or business) and pay all applicable fees. As of Sept. 2022, applications can be completed via the Florida portal via MyProfile: https://dice.fldfs.com/public/pb\_index.aspx.
Last day of birth month
Year of first license issuance
On the last day of the licensee's birth month, biennially.
Those licensed for 6 years must maintain 20 hours CE, 5 for ethics and 15 elective. Those licensed for 25 years or more, and those who are CLUs or CPCUs, or who have an insurance-specific bachelor of science degree must maintain 10 hours of CE per cycle, with 5 ethics and 5 elective.
Although the license is perpetual, Florida may issue a fine and terminate your carrier appointments and refuse to reinstate new appointments until you make up the CE and pay your fine.
5 hours Florida law and ethics
3 hours of NFIP courses
8-hour initial certification, with 4 hours of LTC-specific training each renewal cycle thereafter
Florida Will Add Customer Service Representative License Class
Effective immediately, Florida offers the Customer Service Rep License Class.
Florida Issues State of Emergency for Hurricane Nicole
On 11/14/2022 the Governor of Florida issued a state of emergency for the entire state of Florida. Therefore, no insurer can cancel a personal or commercial residential property insurance policy covering damaged property from both Hurricane Ian and Hurricane Nicole for up to 90 days.
Florida to Display Emergency Adjuster License Class on PDB
Effective 10/19/22, Florida will display the Emergency Adjuster license class on the PDB.
Florida extending Continuing Education Dates Due to Hurricane
Several Continuing Education Compliance dates will be extended about 3 months due to the impact of Hurricane Ian.
Florida Emergency Adjuster License Update
Florida has activated their application for companies and adjusting firms to apply for emergency adjuster licenses due to Hurricane Ian. Direction to apply are included in the attachement.
Florida Updates Forgot Password Process
Previously the Forgot Password process had been turned off for maintenance. The process will now include an email to the email address on record with a verification code to be entered in the MyProfile section.
FL To Add New Firm License Classes for PDB Display
Florida is now including Resident Insurance Adjuster Firm and Non Resident Insurance Adjuster Firm business entity license classes to be displayed on the PDB.
Florida Changes Fingerprint Requirements
Florida announces that a fingerprint fee is no longer required and the fingerprints must be processed in compliance with FL ST § 624.34. This will then be used to investigate if the applicant is qualified.
Florida Adjusts where Adjusting Firm Licenses can be Verified
In November 2021, Florida began adjusting firms. These licenses are yet to be displayed in the PDB.
Florida has Changed Payment Vendors for the Online Applications and eAppoint Systems
Florida has changed payment vendors for the online application and eAppoint systems. This will result in some payment screens changing in appearance and the option to enter an email to receive payment confirmation.
Surplus Lines Alert For Several Jurisdictions
Several states have released key information on Surplus Lines and can be found in the attached document.
How Do I Get an Insurance License in Florida?
How Do I Get a State Adjuster License in Florida?
How do I renew my insurance license in Florida?
How do I renew my non-resident insurance license in Florida?
How Do I renew My Non-Resident Adjuster License in Florida?
How Do I Renew My Adjuster License In Florida?