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AgentSync State Resources

Florida Insurance Licensing and Compliance Resources

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State License Division Information

Department of Financial Services
Bureau of Licensing, Room 419
200 East Gaines Street
Tallahassee, Florida 32399
Phone: (850) 413-3140
Website: http://www.myfloridacfo.com

Non Resident Licensing Information: Non-Resident General Lines License

For Carriers in Florida

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FAQs

In order to become an insurance agent in the state of Florida, you’ll first need to determine what type of insurance agent you want to be, or what types of policies you need to sell. Doing that will help you figure out what type, or types, of insurance licenses you need to get. After that, you’ll take insurance pre-license education courses. After completing that coursework you can take your insurance exam(s). Life, Accident, & Health 2-15 (L&H) and Property & Casualty 2-20 (P&C) lines are combined lines in Florida, so you will take two exams if you wish to attain all of these lines of authority.

Florida requires that all insurance license applications provide fingerprints prior to licensing. Giving your fingerprints will also initiate a background check. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts.

Once you have completed your exams and completed your fingerprinting, you can apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines. Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.

If you have any questions, you can call the Florida Department of Insurance at (850) 413-3140 or email the Insurance Department.

Once you have completed all your coursework, you can take (and pass) the Florida Insurance Adjuster License exam. Once you have completed all your coursework and passed your examination, the next step is applying for your license. The State of Florida requires that all insurance license applications provide fingerprints prior to licensing.

Giving your fingerprints will initiate a background check. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. If you have specific questions regarding things that may come up on your background check you may call the Florida Department of Insurance at (850) 413-3140 or send them an email. Once you have submitted your application and have completed all the other requirements, your license application will be reviewed by the state. This process generally takes about ninety (90) days.

Insurance licenses in Florida are perpetual and never expire. License holders must take continuing education classes every two years in order to keep their license current. The two-year period starts the year the initial insurance license was issued on the last day of the holder’s birth month.

There is no requirement to take another exam from the state, though depending on the format of your continuing education, you can take a short knowledge test at the end of the course to be sure that you understand important insurance concepts, laws, and regulations.

You can take your continuing education courses either in person in a classroom setting or online as a self-paced course.

It’s required to take courses that are specifically approved for Florida insurance agents. The education provider will report your fulfillment of courses to the state within 21 days after completion. There is no fee or paperwork required to renew your license after you complete your required CE hours.

In Florida there are a few things to keep in mind when pursuing your non-resident insurance license:

  • You must have the same lines of authority in your home state before applying for a non-resident license.
  • Non-Resident Title Agents are required to complete the same CE requirements as Resident Title Agents. Reciprocity for CE compliance is not available.

Please note: A Florida non-resident license is only valid for the same line of authority you hold in your home state. The state of Florida cannot approve your application if you do not hold the Life and Health lines of authority in your home state.

 

Florida adjuster license renewal is perpetual and never expires.

Individuals seeking licensure as non-resident all-lines adjusters in Florida may not be required to take and pass Florida’s licensing examination. If you are applying for a non-resident all-lines adjuster license in Florida and you’ve passed an equivalent adjuster examination in one of the states that has reciprocity with Florida, you do not need to take additional tests.

If you hold a non-resident all-lines adjuster license in Florida, you are not required to complete Florida continuing education (CE) as long as you’ve completed a CE requirement in one of the states that Florida has reciprocity with.

There is a $50 fee to renew your Florida Non-Resident Adjuster license. You can renew your license through NIPR.

Florida adjuster license renewal is perpetual and never expires. License holders must take continuing education classes every two (2) years in order to keep their license current.
The two-year period starts the year the initial insurance license was issued on the last day of your birth month.

While there is no need to renew an insurance license in Florida, you do need to keep your license current with continuing education (CE) credits. It’s required to take courses that are specifically approved for Florida insurance adjuster – you are required to complete a total of twenty-four (24) hours of CE, including five (5) hours of Florida Law and Ethics coursework, to upkeep your adjuster license. There is no fee or paperwork required to renew your license after you complete your required CE hours.

For more information, contact the Florida Office of Insurance Regulation.

*State specific rules and regulations can change. Please be sure to visit NIPR or the state’s website for the latest information.