Florida Statute 626.913 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXVII
INSURANCE

Chapter 626
INSURANCE FIELD REPRESENTATIVES AND OPERATIONS

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F.S. 626.913

626.913 Surplus Lines Law; short title; purposes.—

(1) Sections 626.913-626.937 constitute and may be referred to as the “Surplus Lines Law.”

(2) It is declared that the purposes of the Surplus Lines Law are to provide orderly access for the insuring public of this state to insurers not authorized to transact insurance in this state, through only qualified, licensed, and supervised surplus lines agents resident in this state, for insurance coverages and to the extent thereof not procurable from authorized insurers; to protect such authorized insurers, who under the laws of this state must meet certain standards as to policy forms and rates, from unwarranted competition by unauthorized insurers who, in the absence of this law, would not be subject to similar requirements; and for other purposes as set forth in this Surplus Lines Law.

(3) This section, and this Surplus Lines Law, do not apply as to insurance coverages which are subject to s. 626.938.

(4) Except as may be specifically stated to apply to surplus lines insurers, the provisions of chapter 627 do not apply to surplus lines insurance authorized under ss. 626.913-626.937, the Surplus Lines Law.

History.—s. 352, ch. 59-205; s. 2, ch. 81-318; ss. 297, 318, 807, ch. 82-243; s. 42, ch. 82-386; ss. 206, 207, ch. 90-363; s. 4, ch. 91-429; s. 1, ch. 2009-166.

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Amendments to 626.913

Annotations, Discussions, Cases:

Cases Citing Statute 626.913

Total Results: 14

Firearms Import & Export Corp. v. United Capitol Insurance (In Re Firearms Import & Export Corp.)

131 B.R. 1009, 25 Collier Bankr. Cas. 2d 1037, 1991 Bankr. LEXIS 1351

United States Bankruptcy Court, S.D. Florida. | Filed: Sep 23, 1991 | Docket: 1171284

Cited 20 times | Published

Florida as a surplus line carrier pursuant to § 626.913 et seq., Florida Statutes. 6. As a result of FIE's

United National Insurance v. Jacobs

754 F. Supp. 865, 1990 U.S. Dist. LEXIS 18017, 1990 WL 255887

District Court, M.D. Florida | Filed: Feb 7, 1990 | Docket: 2253565

Cited 8 times | Published

agents resident in this state...." Fla.Stat. § 626.913(2) (1989). [2] Tumblin had to contact Jacobs

HERSHEL BRYANT and BETTY BRYANT v. GEOVERA SPECIALTY INSURANCE COMPANY

271 So. 3d 1013

District Court of Appeal of Florida | Filed: May 8, 2019 | Docket: 15071948

Cited 4 times | Published

including section 627.428, Florida Statutes. See § 626.913(4), Fla. Stat. (2014) (providing that “[e]xcept

Martorella v. Deutsche Bank National Trust Co.

161 F. Supp. 3d 1209, 2015 U.S. Dist. LEXIS 178151, 2015 WL 10857398

District Court, S.D. Florida | Filed: Aug 6, 2015 | Docket: 64306836

Cited 2 times | Published

policy” before an insurer may sell a policy. Section 626.913(4), excuses a surplus line policy from Chapter

Essex Insurance Co. v. Integrated Drainage Solutions, Inc.

124 So. 3d 947, 2013 WL 5495541, 2013 Fla. App. LEXIS 15681

District Court of Appeal of Florida | Filed: Oct 4, 2013 | Docket: 60235583

Cited 2 times | Published

because it was a surplus lines carrier,2 see § 626.913, Fla. Stat. (2008), it was exempt from the filing

El-Ad Enclave at Miramar Condominium Ass'n v. Mt. Hawley Insurance

752 F. Supp. 2d 1282, 2010 WL 4722288

District Court, S.D. Florida | Filed: Nov 22, 2010 | Docket: 2339937

Cited 2 times | Published

701 applies to this policy. Though Fla. Stat. § 626.913, the Surplus Lines Law applicable to surplus carriers

Lloyds Underwriters at London v. Keystone Equipment Finance Corp.

25 So. 3d 89, 2009 Fla. App. LEXIS 20016, 2009 WL 4927917

District Court of Appeal of Florida | Filed: Dec 23, 2009 | Docket: 1193946

Cited 2 times | Published

qualified and licensed "surplus lines agents." § 626.913(2), Fla. Stat. (2008). "`Surplus lines agent'

International Special Events & Recreation Ass'n v. Bellina

219 So. 3d 138, 2017 WL 1548027, 2017 Fla. App. LEXIS 5949

District Court of Appeal of Florida | Filed: Apr 28, 2017 | Docket: 6058991

Cited 1 times | Published

Insurers are surplus lines insurers governed by section 626.913(4) of the Florida Statutes (2016). That statute

Essex Insurance v. Zota

607 F. Supp. 2d 1340, 2009 U.S. Dist. LEXIS 29108, 2009 WL 959917

District Court, S.D. Florida | Filed: Apr 8, 2009 | Docket: 2281562

Cited 1 times | Published

Fla. Stat. § 626.913 to state that: Section 1. Subsection (4) is added to section 626.913, Florida Statutes

Kazi Ahmed v. Hamilton Insurance DAC

District Court of Appeal of Florida | Filed: Apr 16, 2025 | Docket: 69898821

Published

to as the “Surplus Lines Law.” Pursuant to section 626.913(4), the insurable interest provision found

Steadfast Insurance Co. v. Celebration Source, Inc.

240 F. Supp. 3d 1295, 2017 WL 416118, 2017 U.S. Dist. LEXIS 130811

District Court, S.D. Florida | Filed: Jan 27, 2017 | Docket: 64313159

Published

not apply to surplus lines insurers. Fla. Stat. § 626.913(4) (2010) (“Except as may be specifically stated

Lemy v. Direct General Finance Co.

884 F. Supp. 2d 1236, 2012 U.S. Dist. LEXIS 114337, 2012 WL 3326342

District Court, M.D. Florida | Filed: Aug 14, 2012 | Docket: 65984125

Published

requirements of Chapter 627, Lemy and Hill quote Section 626.913(4), which states, “the provisions of Chapter

Lemy v. Direct General Finance Co.

885 F. Supp. 2d 1265, 2012 WL 2339702, 2012 U.S. Dist. LEXIS 84507

District Court, M.D. Florida | Filed: Jun 19, 2012 | Docket: 65984240

Published

Reversing the Florida Supreme Court, a recent law, Section 626.913(4), excuses a surplus line policy from Chapter

Paradigm Insurance v. Carter

944 F. Supp. 883, 1996 U.S. Dist. LEXIS 16637, 1996 WL 650504

District Court, M.D. Florida | Filed: Nov 5, 1996 | Docket: 66008513

Published

surplus lines insurer pursuant to Florida Statutes § 626.913. As a surplus carrier, Paradigm is not required