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Division of Agent and Agency Services
Protecting the Insurance-Buying Public by Licensing Competent and Trustworthy Individuals and Entities and Expeditiously Investigating Alleged Violations of the Florida Insurance Code

Licensure & Compliance

RESIDENT SURPLUS INSURANCE AGENT

TYPE CLASSES:

  • 1-20 Surplus Lines Insurance

Florida Statutes 626.927 defines a “SURPLUS LINES AGENT” as an individual licensed to handle placement of insurance coverages with unauthorized insurers and to place such coverages with authorized insurers as to which the licensee is not licensed as an agent.

Application Qualifications:

  • Complete an online application for License and submit appropriate fees. Apply for license
  • Be a natural person at least 18 years of age.
  • 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. Link directly to locations and additional information
  • If licensed in another state within three years, provide a Letter of Clearance.
  • File a fifty thousand dollar ($50,000) bond, using a bond form provided by the Department. Form Link)
  • Be licensed and appointed as a Florida resident general lines insurance agent (Type & Class 2-20); or
  • Be licensed as a Florida licensed and appointed resident managing general agent (Type & Class 00-60); or
  • Be licensed as a Florida licensed and appointed resident service representative (Type & Class 00-55); and
  • Requirements for applicants with prior criminal history (Click Here)

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

  • Successfully completed 60 hours of approved insurance course work in surplus and excess lines insurance approved by the Florida Department of Financial Services (Find Course): or
  • Have worked for a minimum of one year in responsible insurance duties as a full-time bona fide employee of a licensed and appointed surplus lines insurance agent Qualification and Verification Form Link); or

  Exemptions for State Examination

A letter of clearance indicating the licensee held a property and casualty and surplus lines license for at least one (1) year in his/her home state; and apply for this license within 90 days of becoming a resident of the State of Florida.