Florida Statute 624.15 - Full Text and Legal Analysis

624.15 General penalty.—

(1) Each willful violation of this code or rule of the department, office, or commission as to which a greater penalty is not provided by another provision of this code or rule of the department, office, or commission or by other applicable laws of this state is a misdemeanor of the second degree and is, in addition to any prescribed applicable denial, suspension, or revocation of certificate of authority, license, or permit, punishable as provided in s. 775.082 or s. 775.083. Each instance of such violation shall be considered a separate offense.

(2) Each willful violation of an emergency rule or order of the department, office, or commission by a person who is not licensed, authorized, or eligible to engage in business in accordance with the Florida Insurance Code is a felony of the third degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084. Each instance of such violation is a separate offense. This subsection does not apply to licensees or affiliated parties of licensees.

History.—s. 15, ch. 59-205; s. 641, ch. 71-136; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 8, 15, 809(1st), ch. 82-243; ss. 187, 188, ch. 91-108; s. 153, ch. 91-224; s. 4, ch. 91-429; s. 7, ch. 2006-305.

Arrestable Offenses under F.S. 624.15
M = misdemeanor · F = felony · degree: F=1st S=2nd T=3rd
§624.15(2)PUBLIC ORDER CRIMESVIOL INS EMERGENCY RULE ORDER BY UNLIC PERSONF · 3rd
§624.15PUBLIC ORDER CRIMESVIOLATE FLORIDA INSURANCE CODEM · 2nd
Cases Citing F.S. 624.15

Fla. Stat. § 624.15 (2026) Copy Cite Official Site Syfertize CourtListener Amendments
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·Allstate Floridian v. Off. of Ins. Reg., 981 So. 2d 617 (Fla. 1st DCA 2008).
Cited 4 times | Published | Florida 1st District Court of Appeal | 2008 WL 2048349
...airly discriminatory insurance rates . . . " Section 624.11(1), Florida Statutes Providing that " [n]o person [1] shall transact insurance in this state . . . without complying with the applicable provisions of this code." (emphasis added). Section 624.15(1), Florida Statutes Providing " [e]ach willful violation of this code ....
...ractices harm Allstate's Florida customers and are a continuing violation of Florida's Unfair Insurance Trade Practices Act; and Allstate's failure to produce documents violated the insurance code and constituted a willful, ongoing crime pursuant to section 624.15(1), Fla....
...Dep't of Banking & Finance, 584 So.2d 112 (Fla. 5th DCA 1991); Saviak v. Gunter, 375 So.2d 1080 (Fla. 1st DCA 1979). Second, the IFO alleged ongoing criminal activity. The Legislature made failure to cooperate with an OIR investigation a crime. See § 624.15(1), Fla....
0 red0 yellow1 green2 procedural
Cited as authority(citing case) (2018)
phrase: "rule_authority"
Review deniedMcCallum (2009)
phrase: "review denied"
Review deniedMcCallum (2009)
phrase: "review denied"
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·Vesta Fire Ins. Corp. v. Figueroa, 821 So. 2d 1233 (Fla. 5th DCA 2002).
Cited 2 times | Published | Florida 5th District Court of Appeal | 2002 WL 1724031
...property insurance claim. 11. A cause of action for bad faith misconduct by an insurance company arises when a carrier intentionally denies, fails to process, or fails to pay a claim on a timely basis without a reasonable basis for such action. See Section 624.15, Fla....
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Cited as authorityVega (2022)
phrase: "rule_authority"
Cited as authoritySundmacher (2008)
phrase: "rule_authority"
Cited as authorityRuiz (2005)
phrase: "rule_authority"
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·Subirats v. Fid. Nat'l Prop., 106 So. 3d 997 (Fla. 3d DCA 2013).
Cited 1 times | Published | Florida 3rd District Court of Appeal | 2013 WL 616602, 2013 Fla. App. LEXIS 2620
...n insurer’s right to invoke the appraisal provision. To the contrary, the penalty specified in the rule for an insurer’s failure to give the required notice is referral to the Office of Insurance Regulation for administrative action, pursuant to section 624.15, Florida Statutes....
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Cited as authority(citing case) (2023)
phrase: "rule_authority"
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·FLA Orthopedics, Inc. v. Am. Ins. Co., 896 So. 2d 1 (Fla. 3d DCA 2004).
Cited 1 times | Published | Florida 3rd District Court of Appeal | 2004 Fla. App. LEXIS 11738, 2004 WL 1780919
...uch, 4 to be enforced by the Department of Insurance. See §§ 624.307, 624.310, Fla. Stat. (1997). The code also provides a civil remedy for violations of sections 626.9541(1)®,(o), or (x); 626.9551; 626.9705; 626.9706; 626.9707; and 627.7283. See § 624.155, Fla....
...at the court must draw all inferences from those facts in favor of the non-moving party."). . See § 624.01, Fla. Stat. (1997) ("Chapters 624 through 632, 634, 635, 637, 638, 641, 642, 648, and 651 constitute the 'Florida Insurance Code.' ”) . See § 624.15, Fla....
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Cited as authorityColeman (2023)
phrase: "rule_authority"
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·Griffin v. ARX Holding Corp., 208 So. 3d 164 (Fla. 2d DCA 2016).
Published | Florida 2nd District Court of Appeal | 2016 Fla. App. LEXIS 15240
...such person or upon the order of the office, and the failure to so act by said insurer shall be grounds for revocation or suspension of the insurer's certificate of authority. § 624.404(3)(c), Fla. Stat. (2009). Section 624.15, Florida Statutes makes "each willful violation of this code or rule of the department, office, or commission ....
0 red0 yellow6 green0 procedural
Cited as authorityRoby (2026)
phrase: "rule_authority"
Cited as authority(citing case) (2026)
phrase: "rule_authority"
Cited as authority(citing case) (2022)
phrase: "rule_authority"
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This Florida statute resource is curated by this site's author, 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.

Florida/Georgia Personal Injury & Workers Compensation

Arrestable Offenses under F.S. 624.15

Cases Citing F.S. 624.15

·Allstate Floridian v. Off. of Ins. Reg., 981 So. 2d 617 (Fla. 1st DCA 2008).

·Vesta Fire Ins. Corp. v. Figueroa, 821 So. 2d 1233 (Fla. 5th DCA 2002).

·Subirats v. Fid. Nat'l Prop., 106 So. 3d 997 (Fla. 3d DCA 2013).

·FLA Orthopedics, Inc. v. Am. Ins. Co., 896 So. 2d 1 (Fla. 3d DCA 2004).

·Griffin v. ARX Holding Corp., 208 So. 3d 164 (Fla. 2d DCA 2016).