OPPAGA text logo with graphic of FL historic capitol
OPPAGA text logo with graphic of FL historic capitol

Department of Financial Services

Agent and Agency Services

What is the purpose of the division?

The Department of Financial Services' Division of Insurance Agent and Agency Services protects the public by licensing individuals and entities and investigating alleged violations of the Florida Insurance Code.

What services are provided by the division?

The Division of Insurance Agent and Agency Services performs its primary functions through two bureaus.
  • Bureau of Licensing licenses and appoints individuals and entities authorized to transact insurance in Florida.  The bureau receives and reviews applications for insurance licenses and oversees the examination, licensing, and continuing education of licensees. 
  • Bureau of Investigation investigates alleged violations of the Florida Insurance Code. Following an investigation, the bureau prepares a report in which formal legal action against entities might be recommended. Suspected criminal violations of the Florida Insurance Code are referred to the department's Division of Investigative and Forensic Services' Bureau of Insurance Fraud or other law enforcement agencies as appropriate.

What types of licenses are offered?

The Division of Insurance Agent and Agency Services offers several types of licenses for resident and nonresident agents, adjusters, and agencies.
  • Agencies/Businesses may apply for licenses in areas such as insurance, title, and warranty.
  • Agents may apply for a license in lines of insurance such as property and casualty, health and life (including annuities and variable contracts), title, warranty (home warranty sales, motor vehicle service agreements, and service warranty sales), and bail bondsman.
  • Adjusters may apply for a license as a public adjuster, an emergency adjuster, or as a company/independent adjuster.
Individuals may obtain licensing forms from the division's website and apply for a license online.

How efficient is the division in performing its functions?

In Fiscal Year 2018-19, the division's licensing operations cost $2.82 per active license, while its average direct cost of investigation operations was approximately $1,102 per completed investigation.

How do I find out whether an individual is licensed in Florida?

  • The Division of Insurance Agent and Agency Services maintains a searchable database of individuals licensed to conduct insurance business in the state. This site also offers information on recent enforcement actions taken by the department against licensees, registrants, and other entities. 
  • The Department of Financial Services maintains a website that offers downloads of information that includes all valid business licenses, all valid individual licenses, all active individual appointments, and all active business appointments.

How are these activities funded?

The Division of Insurance Agent and Agency Services generates revenue from fees collected in conjunction with its licensure and appointment functions.
Fiscal Year: 2020-21
Fund Salary Rate/ Position General Revenue Trust Funds
SALARY RATE
POSITIONS
SALARIES AND BENEFITS
FROM INSURANCE REGULATORY TRUST FUND
OTHER PERSONAL SERVICES
FROM INSURANCE REGULATORY TRUST FUND
EXPENSES
FROM INSURANCE REGULATORY TRUST FUND
OPERATING CAPITAL OUTLAY
FROM INSURANCE REGULATORY TRUST FUND
SPECIAL CATEGORIES
ELECTRONIC COMMERCE FEES FOR COLLECTION OF REVENUE
FROM INSURANCE REGULATORY TRUST FUND
SPECIAL CATEGORIES
CONTRACTED SERVICES
FROM INSURANCE REGULATORY TRUST FUND
SPECIAL CATEGORIES
OPERATION OF MOTOR VEHICLES
FROM INSURANCE REGULATORY TRUST FUND
SPECIAL CATEGORIES
RISK MANAGEMENT INSURANCE
FROM INSURANCE REGULATORY TRUST FUND
SPECIAL CATEGORIES
PUBLIC ASSISTANCE - STATE OPERATIONS
FROM INSURANCE REGULATORY TRUST FUND
SPECIAL CATEGORIES
LEASE OR LEASE-PURCHASE OF EQUIPMENT
FROM INSURANCE REGULATORY TRUST FUND
SPECIAL CATEGORIES
TRANSFER TO DEPARTMENT OF MANAGEMENT SERVICES - HUMAN RESOURCES SERVICES PURCHASED PER STATEWIDE CONTRACT
FROM INSURANCE REGULATORY TRUST FUND
TOTAL
0
10,203,431

Updates

Investigation Trends.  The department reports that during Fiscal Year 2018-19, the division opened 3,862 investigations and completed 3,952 investigations involving individual licensees, insurance agencies, and unlicensed persons.  As a result, the division took formal disciplinary action in 418 cases, including license suspension, revocation, probation, restitution, and administrative fines and costs.  It also referred 35 completed cases for criminal prosecution.  In addition, the department reports that the division secured approximately $324,354 in restitution.  Of the investigations opened during Fiscal Year 2018-19, the department reports that more than half were the result of the division using technology and access to databases.  To ensure compliance and protect consumers, the division data mined criminal court records and disciplinary actions of licensees.

Where can I find related OPPAGA reports?

A complete list of related OPPAGA reports is available on our website.

Where can I get more information?

Other Reports
Insurance Insights, Department of Financial Services.
Department of Financial Services - Division of Agent and Agency Services - Operational Audit, Auditor General Report No. 2012-026, November 2011.
Public Adjusters, Florida Senate, Issue Brief 2011-203, October 2010.
Websites of Interest
Florida Insurance Council
Florida Surplus Lines Service Office
American Property Casualty Insurance Association
National Association of Insurance Commissioners
National Insurance Producer Registry
Professional Insurance Agents of Florida
Risk and Insurance Management Society
Performance Information
Performance measures and standards for the department may be found in its Long Range Program Plan.

What are the applicable statutes?

Chapters 624, 626, 627, 632, 634, 635, 636, 641, 642, and 648, Florida Statutes.

Whom do I contact for help?

Division of Insurance Agent and Agency Services, 850-413-3137 (Bureau of Licensing) or 850-413-3136 (Bureau of Investigation)
Website