Florida Insurance Information Portal
Insurance in the State of Florida is regulated by the Florida Office of Insurance Regulation (FLOIR) based on the Florida Administrative Code (690). FLOIR is part of the Florida’s Department of Financial Services (DFS) and its commissioner (also known as a director) is a political appointee, who gets approved by the Governor and the state’s Chief Financial Officer.
In 2022, the Florida Senate’s House Joint Resolution (21-D) proposed turning the position of the insurance commissioner into an elected post. If accepted, the change could take place in 2026-2027.
FLORIDA INSURANCE 101
General information about the insurance industry in Florida
What is the Purpose of Insurance in Florida
The purpose of insurance in Florida is to protect businesses and individuals from personal risks, liability risks, or property risks that may otherwise lead to larger losses. Insurance contracts function to allow you (the insured) to transfer your risks to the insurance provider, by paying a fee (premium) for this protection.
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What Organizations Provide Protection to Insurance Consumers in Florida and What Do They Do?
The state of Florida protects its residents on the insurance market in multiple ways. Besides the overall regulation through the Florida Office of Insurance Regulation (FLOIR), state guaranty associations also play a pivotal role in the stability of the industry as a whole...
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How Insurance Works in Florida
Insurance in Florida is offered by the government, private, and public organizations...
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The Most Important Insurance
The desire to feel safe and secure is one of the basic human needs. Insurance helps us do just that, by making sure that we ourselves, the people around us, and our stuff are covered, in case of an emergency, loss, or damage.
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Things you should know about Florida insurance
