Florida insurance laws and exam sources

The Florida statutes, regulations and exam outlines that practice questions are written from. Each entry links to the official text and shows which exams use it.

Florida Life & Health practice test Florida Property & Casualty practice test Florida Personal Lines practice test Florida Claims Adjuster practice test

Life & Health sources

Laws and regulations that Florida Life & Health practice questions cite.

Identification of insurers, agents, and insurance contractsFla. Stat. s. 626.9531Florida Legislature (flsenate.gov) · State statute · Official text
License and appointment requiredFlorida Statutes s. 626.112Florida Legislature (flsenate.gov) · State statute · Official text
Continuing education requirementsFlorida Statutes s. 626.2815Florida Legislature (flsenate.gov) · State statute · Official text
Grounds for compulsory refusal, suspension, or revocation of licenseFlorida Statutes s. 626.611Florida Legislature (flsenate.gov) · State statute · Official text
Grounds for discretionary refusal, suspension, or revocation of licenseFlorida Statutes s. 626.621Florida Legislature (flsenate.gov) · State statute · Official text
Duration of suspension or revocation of licenseFlorida Statutes s. 626.641Florida Legislature (flsenate.gov) · State statute · Official text
Managing general agents; required contract provisionsFlorida Statutes s. 626.7451Florida Legislature (flsenate.gov) · State statute · Official text
Unfair methods of competition; prohibited; penaltiesFlorida Statutes s. 626.9521Florida Legislature (flsenate.gov) · State statute · Official text
Unfair methods of competition and unfair or deceptive acts or practices definedFlorida Statutes s. 626.9541Florida Legislature (flsenate.gov) · State statute · Official text
Life insurance solicitationFlorida Statutes s. 626.99Florida Legislature (flsenate.gov) · State statute · Official text
Recommendations to surrender; annuity suitabilityFlorida Statutes s. 627.4553Florida Legislature (flsenate.gov) · State statute · Official text
Standard Nonforfeiture Law for life insuranceFlorida Statutes s. 627.476Florida Legislature (flsenate.gov) · State statute · Official text
Out-of-state groupsFlorida Statutes s. 627.5515Florida Legislature (flsenate.gov) · State statute · Official text
Notification of cancellation, nonrenewal, or change in ratesFlorida Statutes s. 627.6043Florida Legislature (flsenate.gov) · State statute · Official text
Renewability of individual health coverageFlorida Statutes s. 627.6425Florida Legislature (flsenate.gov) · State statute · Official text
Conversion on termination of eligibilityFlorida Statutes s. 627.6675Florida Legislature (flsenate.gov) · State statute · Official text
Health maintenance contractsFlorida Statutes s. 641.31Florida Legislature (flsenate.gov) · State statute · Official text

Property & Casualty sources

Laws and regulations that Florida Property & Casualty practice questions cite.

Financial Responsibility, completeFlorida Statutes ch. 324, ss. 324.011-324.252The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Workers' Compensation, completeFlorida Statutes ch. 440, ss. 440.01-440.60The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Insurance Code: Administration and General Provisions, complete (Parts I-VI)Florida Statutes ch. 624, ss. 624.01-624.915The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Insurance Field Representatives and Operations, complete (Parts I-XIII)Florida Statutes ch. 626, ss. 626.011-626.9958The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Insurance Rates and Contracts, the health Parts (VI health insurance policies, VII group/blanket/franchise health, VIII Medicare supplement, XVIII long-term care)Florida Statutes ch. 627, ss. 627.601-627.9408The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Insurance Rates and Contracts, the property, casualty, surety, premium-finance and risk-retention Parts (I, II, X, XI, XII, XV, XVI, XVII, XIX, XXII)Florida Statutes ch. 627, ss. 627.011-627.9913The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Insurer Insolvency; Guaranty of Payment, complete (Parts I-V)Florida Statutes ch. 631, ss. 631.001-631.932The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Negligence, complete (Parts I General Provisions and II Damages)Florida Statutes ch. 768, ss. 768.041-768.81The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Administrative Code, Division 69O (Office of Insurance Regulation)chs. 69O-166 (Property and Casualty Insurer Practices), 69O-167 (Property and Casualty Insurance Contracts), 69O-170 (Property and Casualty Insurance Rating), 69O-175 (Motor Vehicle Insurance) and 69O-176 (Motor Vehicle Insurance Requirements), 87 of the 89 rules the publisher lists (the two omitted are 69O-170.021 and 69O-170.022, transferred stubs whose .doc file holds a title and nothing else) (87 rules, 69O-166.021-69O-176.022)Florida Department of State, Division of Library and Information Services (flrules.org) -- official Florida Administrative Code · Regulation · Official text
Administrative Code, Division 69Ochs. 69O-123 (Civil Remedy), 69O-124 (Anti-Coercion), 69O-125 (Unfair Discrimination), 69O-142 (Insurer Conduct), 69O-153 (Deceptive Insurance Practices), 69O-189 (Workers' Compensation), 69O-196 (Premium Finance Companies), 69O-215 (Agents), 69O-220 (Adjusters), 69O-228 (Continuing Education), 69O-230 (General Ethics and Disclosure Requirements) and 69O-231 (Penalty Guidelines for Insurance Representatives) (98 rules, 69O-123.001-69O-231.160)Florida Department of State, Division of Library and Information Services (flrules.org) -- official Florida Administrative Code · Regulation · Official text
Department of Financial Services - Commercial Property Insurance Overview (building and business personal property, business income, causes of loss, equipment breakdown, BOP, inland marine, claims)Florida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com) · Reference · Official text
Department of Financial ServicesHomeowners Insurance Overview (types of policies HO-3/HO-4/HO-6/HO-8, dwelling form, mobile home, coverages, replacement cost vs actual cash value, inflation guard, inspections)Florida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com) · Reference · Official text
Department of Financial Services - Homeowners Insurance Policy EndorsementsFlorida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com) · Reference · Official text
Office of Insurance RegulationHomeowners Insurance (policy types HO-1, HO-2, HO-3, HO-5, HO-8, HO-4, HO-6, HO-7)Florida Office of Insurance Regulation (floir.gov) · Reference · Official text

Personal Lines sources

Laws and regulations that Florida Personal Lines practice questions cite.

Statutes ch. 20Organizational Structure, the general provisions (ss. 20.02-20.06) and s. 20.121 Department of Financial ServicesThe Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Financial Responsibility, completeFlorida Statutes ch. 324, ss. 324.011-324.252The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Insurance Code: Administration and General Provisions, complete (Parts I-VI)Florida Statutes ch. 624, ss. 624.01-624.915The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Insurance Field Representatives and Operations, complete (Parts I-XIII)Florida Statutes ch. 626, ss. 626.011-626.9958The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Insurance Rates and Contracts, the property, casualty, surety, premium-finance and risk-retention Parts (I, II, X, XI, XII, XV, XVI, XVII, XIX, XXII)Florida Statutes ch. 627, ss. 627.011-627.9913The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Insurer Insolvency; Guaranty of Payment, complete (Parts I-V)Florida Statutes ch. 631, ss. 631.001-631.932The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Negligence, complete (Parts I General Provisions and II Damages)Florida Statutes ch. 768, ss. 768.041-768.81The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Continuing education requirementsFlorida Statutes s. 626.2815Florida Legislature (flsenate.gov) · State statute · Official text
Unfair methods of competition and unfair or deceptive acts or practices definedFlorida Statutes s. 626.9541Florida Legislature (flsenate.gov) · State statute · Official text
Administrative Code, Division 69O (Office of Insurance Regulation)chs. 69O-166 (Property and Casualty Insurer Practices), 69O-167 (Property and Casualty Insurance Contracts), 69O-170 (Property and Casualty Insurance Rating), 69O-175 (Motor Vehicle Insurance) and 69O-176 (Motor Vehicle Insurance Requirements), 87 of the 89 rules the publisher lists (the two omitted are 69O-170.021 and 69O-170.022, transferred stubs whose .doc file holds a title and nothing else) (87 rules, 69O-166.021-69O-176.022)Florida Department of State, Division of Library and Information Services (flrules.org) -- official Florida Administrative Code · Regulation · Official text
Department of Financial ServicesFlood Insurance Overview (NFIP and private flood, what is covered, 30-day wait, waiting periods, Increased Cost of Compliance, claims)Florida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com) · Reference · Official text
Department of Financial Services - Homeowners Insurance FAQs (claims, deductibles, replacement cost, mediation)Florida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com) · Reference · Official text
Department of Financial ServicesHomeowners Insurance Overview (types of policies HO-3/HO-4/HO-6/HO-8, dwelling form, mobile home, coverages, replacement cost vs actual cash value, inflation guard, inspections)Florida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com) · Reference · Official text
Department of Financial Services - Homeowners Insurance Policy EndorsementsFlorida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com) · Reference · Official text
Department of Financial Services - Mediation FAQs (residential property and auto claim mediation, who may request it, cost, effect)Florida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com) · Reference · Official text
Department of Financial Services - Personal Automobile Insurance Overview (PIP, property damage liability, bodily injury, UM, collision, comprehensive, total loss, claims)Florida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com) · Reference · Official text
Office of Insurance RegulationHomeowners Insurance (policy types HO-1, HO-2, HO-3, HO-5, HO-8, HO-4, HO-6, HO-7)Florida Office of Insurance Regulation (floir.gov) · Reference · Official text

Claims Adjuster sources

Laws and regulations that Florida Claims Adjuster practice questions cite.

Financial Responsibility, completeFlorida Statutes ch. 324, ss. 324.011-324.252The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Workers' Compensation, completeFlorida Statutes ch. 440, ss. 440.01-440.60The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Insurance Code: Administration and General Provisions, complete (Parts I-VI)Florida Statutes ch. 624, ss. 624.01-624.915The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Insurance Field Representatives and Operations, complete (Parts I-XIII)Florida Statutes ch. 626, ss. 626.011-626.9958The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Insurance Rates and Contracts, the health Parts (VI health insurance policies, VII group/blanket/franchise health, VIII Medicare supplement, XVIII long-term care)Florida Statutes ch. 627, ss. 627.601-627.9408The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Insurance Rates and Contracts, the property, casualty, surety, premium-finance and risk-retention Parts (I, II, X, XI, XII, XV, XVI, XVII, XIX, XXII)Florida Statutes ch. 627, ss. 627.011-627.9913The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Insurer Insolvency; Guaranty of Payment, complete (Parts I-V)Florida Statutes ch. 631, ss. 631.001-631.932The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Warranty Associations, complete (Parts I motor vehicle service agreement companies, II home warranty associations, III service warranty associations)Florida Statutes ch. 634, ss. 634.011-634.444The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Negligence, complete (Parts I General Provisions and II Damages)Florida Statutes ch. 768, ss. 768.041-768.81The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Statutes ch. 810Burglary and trespass (s. 810.011 definitions, s. 810.02 burglary)The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Statutes ch. 812Theft, robbery, and related crimes (s. 812.012 definitions, s. 812.014 theft, s. 812.13 robbery)The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Motor vehicle dealers (licence application requires garage liability insurance or general liability plus business auto policy)Florida Statutes s. 320.27The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes · State statute · Official text
Administrative Code, Chapter 69B-220 (Department of Financial Services, Adjusters)69B-220.001 Licensure of Emergency Adjusters, 69B-220.051 Conduct of Public Adjusters and Public Adjuster Apprentices, 69B-220.201 Ethical Requirements for All Adjusters and Public Adjuster Apprentices (3 rules)Florida Department of State, Division of Library and Information Services (flrules.org) -- official Florida Administrative Code · Regulation · Official text
Administrative Code, Division 69O (Office of Insurance Regulation)chs. 69O-166 (Property and Casualty Insurer Practices), 69O-167 (Property and Casualty Insurance Contracts), 69O-170 (Property and Casualty Insurance Rating), 69O-175 (Motor Vehicle Insurance) and 69O-176 (Motor Vehicle Insurance Requirements), 87 of the 89 rules the publisher lists (the two omitted are 69O-170.021 and 69O-170.022, transferred stubs whose .doc file holds a title and nothing else) (87 rules, 69O-166.021-69O-176.022)Florida Department of State, Division of Library and Information Services (flrules.org) -- official Florida Administrative Code · Regulation · Official text
Administrative Code, Division 69Ochs. 69O-123 (Civil Remedy), 69O-124 (Anti-Coercion), 69O-125 (Unfair Discrimination), 69O-142 (Insurer Conduct), 69O-153 (Deceptive Insurance Practices), 69O-189 (Workers' Compensation), 69O-196 (Premium Finance Companies), 69O-215 (Agents), 69O-220 (Adjusters), 69O-228 (Continuing Education), 69O-230 (General Ethics and Disclosure Requirements) and 69O-231 (Penalty Guidelines for Insurance Representatives) (98 rules, 69O-123.001-69O-231.160)Florida Department of State, Division of Library and Information Services (flrules.org) -- official Florida Administrative Code · Regulation · Official text
Department of Financial Services - Automobile Insurance FAQs (claims, total loss, PIP)Florida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com) · Reference · Official text
Department of Financial Services - Bonds (Other than Bail) Overview (surety, principal, obligee, fidelity, contract and license bonds)Florida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com) · Reference · Official text
Department of Financial Services - Commercial Property Insurance Overview (building and business personal property, business income, causes of loss, equipment breakdown, BOP, inland marine, claims)Florida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com) · Reference · Official text
Department of Financial ServicesFlood Insurance Overview (NFIP and private flood, what is covered, 30-day wait, waiting periods, Increased Cost of Compliance, claims)Florida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com) · Reference · Official text
Department of Financial Services - Homeowners Insurance FAQs (claims, deductibles, replacement cost, mediation)Florida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com) · Reference · Official text
Department of Financial ServicesHomeowners Insurance Overview (types of policies HO-3/HO-4/HO-6/HO-8, dwelling form, mobile home, coverages, replacement cost vs actual cash value, inflation guard, inspections)Florida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com) · Reference · Official text
Department of Financial Services - Homeowners Insurance Policy EndorsementsFlorida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com) · Reference · Official text
Department of Financial Services - Mediation FAQs (residential property and auto claim mediation, who may request it, cost, effect)Florida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com) · Reference · Official text
Department of Financial Services - Personal Automobile Insurance Overview (PIP, property damage liability, bodily injury, UM, collision, comprehensive, total loss, claims)Florida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com) · Reference · Official text

Exam outlines and candidate handbooks

Published by the state and its testing provider. They say what each exam covers.

Insurance Examination Content OutlinesPearson VUE (for the Florida Department of Financial Services) · Candidate handbook or exam outline · Official text
Insurance Licensing Candidate HandbookPearson VUE · Candidate handbook or exam outline · Official text

About these sources

Florida's own insurance statutes and regulations, plus the exam content outlines and candidate handbooks published for its license exams. This page lists 50 documents, each with a link to the official text.

No. This page lists each document and links to the official version. Rely on the official text for the current law.

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