Florida Statute 624.03 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXVII
INSURANCE

Chapter 624
INSURANCE CODE: ADMINISTRATION AND GENERAL PROVISIONS

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624.03 “Insurer” defined.—“Insurer” includes every person engaged as indemnitor, surety, or contractor in the business of entering into contracts of insurance or of annuity.

History.—s. 3, 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.

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Amendments to 624.03

Annotations, Discussions, Cases:

Cases Citing Statute 624.03

Total Results: 32

Young v. Progressive Southeastern Ins. Co.

753 So. 2d 80, 25 Fla. L. Weekly Supp. 120, 2000 Fla. LEXIS 86, 2000 WL 144188

Supreme Court of Florida | Filed: Feb 10, 2000 | Docket: 592622

Cited 63 times | Published

However, an "insurer" is broadly defined in section 624.03, Florida Statutes (1995), as "every person

DADELAND DEPOT. v. St. Paul Fire and Marine

945 So. 2d 1216, 31 Fla. L. Weekly Supp. 882, 2006 Fla. LEXIS 2953, 2006 WL 3741019

Supreme Court of Florida | Filed: Dec 21, 2006 | Docket: 2451707

Cited 49 times | Published

"insurer" and is regulated as an "insurer." Section 624.03 of the Florida Statutes defines an insurer

Zinke-Smith, Inc. v. FLA. INSURANCE GUAR. ASS'N, INC.

304 So. 2d 507

District Court of Appeal of Florida | Filed: Dec 13, 1974 | Docket: 1437907

Cited 26 times | Published

constitute the Florida Insurance Code, and Section 624.03 defines insurer as follows: "`Insurer' includes

State Farm Mut. Auto. Ins. Co. v. Universal Atlas Cement Co.

406 So. 2d 1184

District Court of Appeal of Florida | Filed: Nov 18, 1981 | Docket: 450084

Cited 20 times | Published

into an insurer as that term is defined in Section 624.03, Florida Statutes); Friedfield v. Royal Indemnity

Dadeland Depot, Inc. v. St. Paul Fire & Marine Insurance

483 F.3d 1265, 2007 U.S. App. LEXIS 8384, 2007 WL 1075181

Court of Appeals for the Eleventh Circuit | Filed: Apr 12, 2007 | Docket: 213235

Cited 15 times | Published

code as an “insurer,” see Fla. Stat. § 624.03; the plain language of § 624.155(1)00(1); other

Hubbel v. Aetna Cas. & Sur. Co.

758 So. 2d 94, 2000 WL 422864

Supreme Court of Florida | Filed: Apr 20, 2000 | Docket: 1726178

Cited 13 times | Published

on the definition of "insurer" set forth in section 624.03, Florida Statutes (1995)). Although Nichols

Lipof v. Florida Power and Light Co.

596 So. 2d 1005, 17 Fla. L. Weekly Supp. 117, 1992 Fla. LEXIS 243, 1992 WL 27891

Supreme Court of Florida | Filed: Feb 20, 1992 | Docket: 1707232

Cited 10 times | Published

that Florida Power acted as an "insurer" under section 624.03, Florida Statutes (1983), which broadly defines

FLORIDA AUTO. DEALERS INDUSTRY v. Small

592 So. 2d 1179, 1992 WL 12798

District Court of Appeal of Florida | Filed: Jan 15, 1992 | Docket: 1428470

Cited 10 times | Published

claims that the definition of "insurer" in Section 624.03, Florida Statutes (1989),[2] does not include

Citizens Property Insurance Corp. v. Garfinkel

25 So. 3d 62, 2009 Fla. App. LEXIS 19766, 2009 WL 4874789

District Court of Appeal of Florida | Filed: Dec 18, 2009 | Docket: 1195749

Cited 8 times | Published

definition of "insurer" for purposes of chapter 624. Section 624.03 defines an insurer to include "every person

Farley v. Gateway Insurance Company

302 So. 2d 177

District Court of Appeal of Florida | Filed: Oct 30, 1974 | Docket: 1742496

Cited 8 times | Published

insurance therefor. Finally, it is significant that § 624.03, F.S. 1971, which is applicable to the entire

Hogan v. Provident Life & Accident Insurance

665 F. Supp. 2d 1273, 2009 U.S. Dist. LEXIS 95921

District Court, M.D. Florida | Filed: Oct 15, 2009 | Docket: 2379872

Cited 7 times | Published

entering into contracts of insurance or of annuity." § 624.03, Fla. Stat. Whether or not a holding company is

Nichols v. Preferred Nat. Ins. Co.

704 So. 2d 1371, 22 Fla. L. Weekly Supp. 679, 1997 Fla. LEXIS 1814, 1997 WL 672918

Supreme Court of Florida | Filed: Oct 30, 1997 | Docket: 1354664

Cited 7 times | Published

entering into contracts of insurance or annuity." Id. § 624.03 (emphasis added). In looking to section 627.428

Shannon R. Ginn Construction Co. v. Reliance Insurance

51 F. Supp. 2d 1347, 1999 U.S. Dist. LEXIS 11132, 1999 WL 360538

District Court, S.D. Florida | Filed: Mar 17, 1999 | Docket: 2364545

Cited 4 times | Published

entering into contracts of insurance or of annuity." § 624.03, Fla.Stat. (1997).[5] "Surety insurance" is defined

Government Employees Ins. Co. v. Wilder

546 So. 2d 12, 14 Fla. L. Weekly 1037, 1989 Fla. App. LEXIS 2253, 1989 WL 39596

District Court of Appeal of Florida | Filed: Apr 25, 1989 | Docket: 1389818

Cited 4 times | Published

DCA), cert. denied, 232 So.2d 180 (Fla. 1969); § 624.03, Fla. Stat. (1987). As an individual self-insurer

David Boland, Inc. v. Trans Coastal Roofing Co.

851 So. 2d 724, 28 Fla. L. Weekly Supp. 626, 2003 Fla. LEXIS 1172, 2003 WL 21554879

Supreme Court of Florida | Filed: Jul 11, 2003 | Docket: 1691444

Cited 3 times | Published

to include a "surety." See 704 So.2d at 1373; § 624.03, Fla. Stat. (2002).

Hillsborough County Hosp. and Welfare Bd. v. Taylor

546 So. 2d 1055, 14 Fla. L. Weekly 364, 1989 Fla. LEXIS 717, 1989 WL 83144

Supreme Court of Florida | Filed: Jul 20, 1989 | Docket: 1442698

Cited 3 times | Published

entering into contracts of insurance or of annuity." § 624.03, Fla. Stat. (1987). Black's Law Dictionary 721

Hepp v. Paul Revere Life Insurance

120 F. Supp. 3d 1328, 2015 U.S. Dist. LEXIS 100503, 2015 WL 4623733

District Court, M.D. Florida | Filed: Jul 31, 2015 | Docket: 64303369

Cited 2 times | Published

contracts of insurance or of annuity.” *1342Fla. Stat. § 624.03. Plaintiff argues that there is no evidence that

Heritage Corp. of S. Fla. v. NAT. UNION FIRE INS.

580 F. Supp. 2d 1294, 2008 U.S. Dist. LEXIS 107341, 2008 WL 4449272

District Court, S.D. Florida | Filed: Jul 24, 2008 | Docket: 2513661

Cited 2 times | Published

the meaning of section 624.155. According to section 624.03, "insurer" is defined as "includ[ing] every

Financial Indem. Co. v. Steele & Sons, Inc.

403 So. 2d 600

District Court of Appeal of Florida | Filed: Sep 16, 1981 | Docket: 1250796

Cited 2 times | Published

in which the recovery is had. Additionally, Section 624.03, Florida Statutes (1979), defines an "insurer"

Brotherhood's Relief and Compensation Fund v. Cagnina

155 So. 2d 820

District Court of Appeal of Florida | Filed: Aug 21, 1963 | Docket: 473890

Cited 2 times | Published

held that the appellant was an insurer under Section 624.03, Florida Statutes, F.S.A., which defines an

Sanchez v. AN Luxury Imports of Pembroke Pines, Inc.

216 So. 3d 723, 2017 WL 1364000, 2017 Fla. App. LEXIS 5057

District Court of Appeal of Florida | Filed: Apr 12, 2017 | Docket: 60265474

Cited 1 times | Published

945 So.2d 1216, 1224 (Fla. 2006) (quoting section 624.03, Florida Statutes, which defines an insurer

Underwood Anderson & Associates, Inc. v. Lillo's Italian Restaurant, Inc.

36 So. 3d 885, 2010 Fla. App. LEXIS 7700, 2010 WL 2219727

District Court of Appeal of Florida | Filed: Jun 4, 2010 | Docket: 2409639

Cited 1 times | Published

entering into contracts of insurance or of annuity." § 624.03, Fla. Stat. (2004) (emphasis added). "Insurance"

Dadeland Depot, Inc., Dadeland Station Associates, Ltd. v. St. Paul Fire and Marine Insurance Co., American Home Assurance Company

479 F.3d 799, 2007 U.S. App. LEXIS 4141, 2007 WL 562862

Court of Appeals for the Eleventh Circuit | Filed: Feb 26, 2007 | Docket: 752879

Cited 1 times | Published

code as an “insurer,” see Fla. Stat. § 624.03; the plain language of § 624.155(l)(b)(l); other

Dadeland Depot v. St. Paul Fire and Marine Ins.

483 F.3d 1265, 2007 WL 1075181

Court of Appeals for the Eleventh Circuit | Filed: Sep 13, 2004 | Docket: 1118864

Cited 1 times | Published

defined insurer to include sureties. See Fla. Stat. § 624.03. 15 However, the Florida

International Fidelity Insurance Co. v. Americaribe-Moriarity JV

234 F. Supp. 3d 1242, 2017 U.S. Dist. LEXIS 125339, 2017 WL 668898

District Court, S.D. Florida | Filed: Feb 14, 2017 | Docket: 64312676

Published

include a ‘surety.’ ”) (citing Fla. Stat. Ann. § 624.03); see also Snow v. Jim Rathman Chevrolet, Inc

Snow v. Jim Rathman Chevrolet, Inc.

39 So. 3d 368, 2010 Fla. App. LEXIS 8762, 2010 WL 2425946

District Court of Appeal of Florida | Filed: Jun 18, 2010 | Docket: 1929128

Published

945 So.2d 1216, 1224 (Fla. 2006) (quoting section 624.03, Florida Statutes, which defines an insurer

Dadeland Depot, Inc. v. St. Paul Fire & Marine Insurance

383 F.3d 1273, 2004 U.S. App. LEXIS 19176, 2004 WL 2029765

Court of Appeals for the Eleventh Circuit | Filed: Sep 13, 2004 | Docket: 65656514

Published

defined insurer to include sureties. See Fla. Stat. § 624.03, However, the Florida Supreme Court has also stated

Preferred National Insurance Co. v. Nichols

682 So. 2d 585, 1996 Fla. App. LEXIS 10938, 1996 WL 600874

District Court of Appeal of Florida | Filed: Oct 22, 1996 | Docket: 64768730

Published

in which the recovery is had. We note that section 624.03 defines “insurer” to include “every person

Beacon Finance, Inc. v. Department of Insurance, State of Florida

656 So. 2d 197, 1995 Fla. App. LEXIS 5343, 1995 WL 298948

District Court of Appeal of Florida | Filed: May 18, 1995 | Docket: 64757133

Published

an insurer as defined in chapter 624 under section 624.03, Florida Statutes. Beacon is not an insurer

Florida Automobile Dealers Self-Insurers Fund v. Plantation AMC/Jeep, Inc.

566 So. 2d 558, 1990 Fla. App. LEXIS 6084, 1990 WL 116375

District Court of Appeal of Florida | Filed: Aug 15, 1990 | Docket: 64652885

Published

fees. We reverse the award of attorney’s fees. Section 624.03, Florida Statutes, defines an insurer as “every

Thomas v. Reeves Southeastern Corp.

472 So. 2d 493, 10 Fla. L. Weekly 1485, 1985 Fla. App. LEXIS 14909

District Court of Appeal of Florida | Filed: Jun 12, 1985 | Docket: 64613031

Published

cannot claim entitlement to its provisions. Section 624.03, Florida Statutes, defines the word “insurer”

Ago

Florida Attorney General Reports | Filed: Feb 18, 1976 | Docket: 3258589

Published

corporations having regional home offices in Florida. Section 624.03, F. S., defines "insurer" as "every person

This Florida statute resource is curated by Graham W. Syfert, Esq., a Jacksonville, Florida personal injury and workers' compensation attorney. Attorney Syfert regularly works with Chapter 624 in the context of insurance disputes and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.