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Licensure & Compliance

RESIDENT LIMITED CUSTOMER REPRESENTATIVE

TYPE AND CLASSES:

• 4-42 Limited Customer Representative

Florida Statutes 626.015 (11) defines a “LIMITED CUSTOMER REPRESENTATIVE” as a salaried employee of the general lines (property and casualty) agent or agency. The customer representative transacts insurance only in private passenger automobile under the supervision of a licensed and appointed general lines agent.

Application Qualifications:

• Complete an online application for License and submit appropriate fees. Apply for license
• Be a resident of the state of Florida.
• Be a United States citizen or legal alien who possesses a work authorization from the United States Immigration and Naturalization Services.
• Be fingerprinted at one of the Department's fingerprint sites. Fingerprint locations and additional information
• If licensed in another state within three years, provide a Letter of Clearance.
• Requirements for applicants with prior criminal history (Click Here)

State Examination Qualifications: Must be completed within four years of application date

• Successfully completed 40 hour classroom course in insurance (Find Course); or
• Successfully completed a correspondence course in private passenger auto insurance (Find Course); or
• Completed at least six months’ experience in responsible insurance duties as a full-time employee (of an insurer, general lines agent or agency, etc.) in all lines except life and annuities (Qualification and Verification Form Link); or
• Successfully completed at least 6 semester hours of credit or its equivalent in property and casualty courses from an accredited college or university (an official transcript required); or

Exemptions for State Examination

• A letter of clearance indicating the licensee held a property and casualty license for at least one (1) year in his/her home state and applying for a license within 90 days of becoming a resident of the State of Florida; or
• An original letter awarding one of the following designations:
• American Institute for Property and Liability Underwriters - Chartered Property and Casualty Underwriters (CPCU)
• Insurance Institute of America - Accredited Advisor in Insurance (AAI)
• Society of Certified Insurance Counselors - Certified Insurance Counselor (CIC)
• Independent Insurance Agents of America - Accredited Customer Service Representative (ACSR)
• National Association of Professional Insurance Agents - Certified Professional Service Representative (CPSR)
• Society of Certified Insurance Service Representatives - Certified Insurance Service Representative (CISR)
• Florida Association of Insurance Agents - Certified Customer Service Representative (CCSR)
• Accredited Postsecondary Institute in this State - Registered Customer Service Representative (RCSR)
• Professional Career Institute - Professional Customer Service Representative (PCSR)

Special Notes

• Can not be employed by more that one general lines agent or agency at any given time and must be housed in the office of the agent or agency.
• All business transacted by the limited customer representative must be in the name of the agent or agency.
• Can not be licensed as a general lines agent, service representative, public adjuster or managing general lines agent while holding this type and class of license.
• May not obtain the license to write or handle controlled business per Florida Statute 626.730.
• Can not engage in transacting insurance outside of the office of his/her agent or agency.
• Must be a salaried employee. Compensation shall not include commissions and shall not be primarily based on the production of applications, insurance, or premiums.