Florida Statutes

Fla. Stat. § 624.11 (2025)

Compliance required.

✓ 2025 Florida Statutes — current through the 2025 Regular Session
Find cases: SyfertCases citing this section FL-LEGleg.state.fl.us JustiaFla. Statutes CornellLII Search CasesGoogle Scholar
624.11 Compliance required.
(1) No person shall transact insurance in this state, or relative to a subject of insurance resident, located, or to be performed in this state, without complying with the applicable provisions of this code.
(2) Any risk retention group organized and existing under the provisions of the Product Liability Risk Retention Act of 1981 (Pub. L. No. 97-45), which has been licensed as an insurance company and authorized to engage in the business of insurance may transact insurance in this state and shall be subject to the provisions of ss. 624.15, 624.316, 624.418, 624.421, 624.4211, 624.422, 624.509, 626.112, 626.611, 626.621, 626.7315, 626.741, 626.932, 626.938, 626.9541, 627.351, and 627.915; part I of chapter 631; and all other applicable provisions of the laws of this state. Any such group formed in another jurisdiction shall furnish to the office, upon request, a copy of any financial report submitted by the group in the licensing jurisdiction.
History.s. 11, ch. 59-205; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 6, 15, 809(1st), ch. 82-243; s. 3, ch. 82-386; s. 20, ch. 90-119; s. 10, ch. 90-248; ss. 184, 187, 188, ch. 91-108; s. 4, ch. 91-429; s. 2, ch. 2002-206; s. 754, ch. 2003-261.
Notes of Decisions
Cited in 12 cases, 1965–2016 · leading case: Kathy Johnson v. Omega Ins. Co., 200 So. 3d 1207 (Fla. 2016).
Kathy Johnson v. Omega Ins. Co., 200 So. 3d 1207 (Fla. 2016). · cites it 4× “In addition, Colella alleged that State Farm acted in “bad faith” as defined in section 624.11, Florida Statutes (2006). Id.”
Pastor v. Union Cent. Life Ins., 184 F. Supp. 2d 1301 (S.D. Fla. 2002). · cites it 11× “First, it is important to note that Fla.Stat. § 624.11(1) qualifies the governance of the Insurance Code with the *1307 phrase “the applicable provisions of this code.”
Allstate Floridian v. Off. of Ins. Reg., 981 So. 2d 617 (Fla. 1st DCA 2008). · cites it 6× “" See § 624.11(1), Fla. Stat.; § 624.318(2), Fla.”
Nat. Fed. of Ret. Persons v. Dept. of Ins., 553 So. 2d 1289 (Fla. 1st DCA 1989). · cites it 2× “We are therefore obliged to affirm the Department's declaration that NFRP's proposed activities would transact insurance without a license in violation of section 624.11, Florida Statutes (1987). SMITH, THOMPSON and MINER, JJ.”
Amarnick v. Auto. Ins. of Hartford, Conn., 643 So. 2d 1130 (Fla. 3d DCA 1994). · cites it 2× “Section 624.11(1), Florida Statutes (1993), provides that "[n]o person shall transact insurance in this state, or relative to a subject of insurance resident, located, or to be performed in this state, without complying with the applicable provisions of this code.”
Interstate Fire & Cas. Co. v. Abernathy, 93 So. 3d 352 (Fla. 1st DCA 2012). “See §§ 624.11 & 624.401, Fla. Stat. (2011). .”
State of Florida, Dep't of Ins. v. Nat'l Amusement Purchasing Grp., Inc., Risk Retention Serv. Corp., Bel-Air Ins. Co., 905 F.2d 361 (11th Cir. 1990). “See Fla.Stat. § 624.11(2) (risk retention groups, organized under the provisions of the Act and properly licensed and authorized in an appropriate jurisdiction, may transact insurance in Florida, subject to selected provisions of the Florida Insurance Code).”
MI Windows & Doors, LLC v. Liberty Mut. Fire Ins., 88 F. Supp. 3d 1326 (M.D. Fla. 2015). · cites it 4× “155(l)(b)(l) contains no provision overriding Florida's usual choice-of-law rules, the plaintiffs cite Section 624.11(1), which states, "No person shall transact insurance in this state .”
State Farm Florida Ins. Co. v. Colella, 95 So. 3d 891 (Fla. 2d DCA 2012). · cites it 2× “9541(1), Florida Statutes (2006), and for “bad faith” under section 624.11, Florida Statutes (2006). This count describes the delivery of the checks in March.”
United States v. Smith Eng'g & Constr. Co., 240 F. Supp. 189 (N.D. Fla. 1965). · cites it 2× “In any event the Florida legislature has put down the affirmative requirement in F.S. § 624.11, F.S.A., that: “No person shall transact insurance in Florida, or relative to a subject of insurance * * * to be performed in Florida without complying with the applicable provisions…”
Florida Residential Prop. & Cas. Jt. Underwriting Ass'n v. United States, 207 F. Supp. 2d 1344 (N.D. Fla. 2002). “A at 11 (citing 1 §§ 624.11, 624.424, 624.316, 624.3161). Nonetheless, the JUA is statutorily subject to intense oversight by the DOI to a degree not required of private insurance companies.”
Crespo v. Fireman's Fund Ins., 37 Fla. Supp. 2d 128 (Fla. Cir. Ct. 1989). “Florida Statute §624.11(1) (1982) provides that “no person shall *130 transact insurance in this state .”
— 624.11(1) — 5 cases
Pastor v. Union Cent. Life Ins., 184 F. Supp. 2d 1301 (S.D. Fla. 2002). “First, it is important to note that Fla.Stat. § 624.11(1) qualifies the governance of the Insurance Code with the *1307 phrase “the applicable provisions of this code.”
Allstate Floridian v. Off. of Ins. Reg., 981 So. 2d 617 (Fla. 1st DCA 2008). “" See § 624.11(1), Fla. Stat.; § 624.318(2), Fla.”
Amarnick v. Auto. Ins. of Hartford, Conn., 643 So. 2d 1130 (Fla. 3d DCA 1994). “Section 624.11(1), Florida Statutes (1993), provides that "[n]o person shall transact insurance in this state, or relative to a subject of insurance resident, located, or to be performed in this state, without complying with the applicable provisions of this code.”
MI Windows & Doors, LLC v. Liberty Mut. Fire Ins., 88 F. Supp. 3d 1326 (M.D. Fla. 2015). “155(l)(b)(l) contains no provision overriding Florida's usual choice-of-law rules, the plaintiffs cite Section 624.11(1), which states, "No person shall transact insurance in this state .”
Crespo v. Fireman's Fund Ins., 37 Fla. Supp. 2d 128 (Fla. Cir. Ct. 1989). “Florida Statute §624.11(1) (1982) provides that “no person shall *130 transact insurance in this state .”
— 624.11(2) — 1 case
State of Florida, Dep't of Ins. v. Nat'l Amusement Purchasing Grp., Inc., Risk Retention Serv. Corp., Bel-Air Ins. Co., 905 F.2d 361 (11th Cir. 1990). “See Fla.Stat. § 624.11(2) (risk retention groups, organized under the provisions of the Act and properly licensed and authorized in an appropriate jurisdiction, may transact insurance in Florida, subject to selected provisions of the Florida Insurance Code).”
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.

This Florida statute resource is curated by Graham Syfert, a Jacksonville, Florida personal injury and workers' compensation attorney (Florida Bar No. 39104). Attorney Syfert regularly handles Chapter 624 matters in the context of insurance disputes and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.