Florida Statutes
Fla. Stat. § 624.02 (2025)
“Insurance” defined.
✓ 2025 Florida Statutes: current through the 2025 Regular Session
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624.02 “Insurance” defined.—“Insurance” is a contract whereby one undertakes to indemnify another or pay or allow a specified amount or a determinable benefit upon determinable contingencies.
History.—s. 2, ch. 59-205; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 15, 809(1st), ch. 82-243; ss. 187, 188, ch. 91-108; s. 4, ch. 91-429.
Notes of Decisions
Cited in 13
cases, 1980–2018 · leading case: DADELAND DEPOT. v. St. Paul Fire & Marine, 945 So. 2d 1216 (Fla. 2006).
DADELAND DEPOT. v. St. Paul Fire & Marine, 945 So. 2d 1216 (Fla. 2006). “" § 624.02, Fla. Stat. (1999). When applying this definition to the relationship created under a surety bond one could conclude that, because a surety is undertaking the responsibility of indemnifying the obligee of a surety bond, an obligee is an "insured" as that term is…”
WS Badcock Corp. v. Myers, 696 So. 2d 776 (Fla. 1st DCA 1996). “[4] "Insurance" is defined in section 624.02, Florida Statutes, as "a contract whereby one undertakes to indemnify another or pay or allow a specified amount or a determinable benefit upon determinable contingencies.”
Interstate Fire & Cas. Co. v. Abernathy, 93 So. 3d 352 (Fla. 1st DCA 2012). “” § 624.02, Fla. Stat. (2006). 10 The explicitly stated purpose for regulating insurance is to “promote the public welfare by regulating insurance rates .”
Lumbermens Mut. Cas. Co. v. Ceballos, 440 So. 2d 612 (Fla. 3d DCA 1983). “It is undisputed that the insurance company made no inquiry about additional insurance, and that Ceballos had no collateral coverage.”
Cozine v. Tullo, 394 So. 2d 115 (Fla. 1981). “§ 624.02, Fla. Stat. (1977). Liability insurance is insurance against legal liability for the death, injury, or disability of any human being, or for damage to property.”
Prof'l Lens Plan v. Dep't of Ins., 387 So. 2d 548 (Fla. 1st DCA 1980). “Florida Statutes, Section 624.02 (1979), defines "insurance" as follows: "Insurance" is a contract whereby one undertakes to indemnify another or pay or allow a specified amount or a determinable benefit upon determinable contingencies.”
Hillsborough Cnty. Hosp. & Welfare Bd. v. Taylor, 546 So. 2d 1055 (Fla. 1989). “" § 624.02, Fla. Stat. (1987). An "insurer" is one "engaged as indemnitor, surety, or contractor in the business of entering into contracts of insurance or of annuity.”
Lemy v. Direct Gen. Fin. Co., 885 F. Supp. 2d 1265 (M.D. Fla. 2012). “Section 624.02 defines “insurance” in part as “a contract whereby one undertakes to .”
Underwood Anderson & Assocs., Inc. v. Lillo's Italian Restaurant, Inc., 36 So. 3d 885 (Fla. 1st DCA 2010). “” § 624.02, Fla. Stat. (2004). • “Person,” used in the definition of “insurer” includes “an individual, insurer, company, association, organization, Lloyds, society, reciprocal insurer or interinsurance exchange, partnership, syndicate, business trust, corporation, agent,…”
Hillsborough Cnty. Hosp. & Welfare Bd. v. Taylor, 534 So. 2d 711 (Fla. 2d DCA 1988). “Although not directly applicable to this appeal, it is instructive to note that section 624.02, Florida Statutes (1979) defined the term “insurance” as a “contract whereby one undertakes to indemnify another or pay or allow a specified amount or a determinable benefit upon…”
Liberty Care Plan v. Dep't of Ins., 710 So. 2d 202 (Fla. 1st DCA 1998). “1 In its declaratory statement, DOI found that section 624.02, Florida Statutes (1995), defines “insurance” as “a contract whereby one undertakes to indemnify another or pay or allow a specified amount or a determinable benefit upon determinable contingencies” and that section…”
Normandy Ins. Co. v. Jose Sorto, Jimerico Constr., Inc., & Amerisure Ins. Co., 276 So. 3d 337 (Fla. 1st DCA 2018). “” § 624.02, Fla. Stat. (emphasis added). We went on to explain that insurers could not cover known losses without undermining the entire system: The rule forbidding “insuring against” known losses is part and parcel of the public policy to protect other policy holders against…”
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