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Florida Statute 626.915 - Full Text and Legal Analysis Florida Statute 626.915 | Lawyer Caselaw & Research
Fla. Stat. § 626.915 (2026) Copy Cite Official Site Syfertize CourtListener Amendments
626.915 Surplus lines insurance authorized.—If certain insurance coverages of subjects resident, located, or to be performed in this state cannot be procured from authorized insurers, such coverages, hereinafter designated “surplus lines,” may be procured from unauthorized insurers, subject to the following conditions:
(1) The insurance must be eligible for export under s. 626.916 or s. 626.917;
(2) The insurer must be an eligible surplus lines insurer under s. 626.917 or s. 626.918;
(3) The insurance must be so placed through a licensed Florida surplus lines agent; and
(4) The other applicable provisions of this Surplus Lines Law must be met.
History.—s. 354, ch. 59-205; s. 2, ch. 81-318; ss. 299, 318, 807, ch. 82-243; ss. 163, 206, 207, ch. 90-363; s. 4, ch. 91-429.

Cases Citing F.S. 626.915

Fla. Stat. § 626.915 (2026) Copy Cite Official Site Syfertize CourtListener Amendments
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·Home Design Ctr.-Jt. Venture v. CTY. APPLIANCES OF NAPLES, INC., 563 So. 2d 767 (Fla. 2d DCA 1990).

Cited 11 times | Published | Florida 2nd District Court of Appeal | 1990 WL 80811

...DANAHY, A.C.J., and LEHAN, J., concur. NOTES [1] Under the Surplus Lines Law, surplus lines coverages are those coverages which are unavailable from authorized insurers and thus may be procured from unauthorized insurers subject to certain conditions. § 626.915, Fla....
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Cited as authorityVerbal (2022)
phrase: "rule_authority"
Cited as authority(citing case) (2021)
phrase: "rule_authority"
Cited as authority(citing case) (2021)
phrase: "rule_authority"
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·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).

Cited 11 times | Published | Court of Appeals for the Eleventh Circuit | 1990 U.S. App. LEXIS 11313, 1990 WL 83332

...n authorized insurer. § 624.402. Although the surplus lines insurer need not have a certificate of authority, he must be approved by the department, and the insurance written must be placed only by or through a licensed Florida surplus lines agent. § 626.915....
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Cited as authorityv. Shovelton (2019)
phrase: "rule_authority"
Cited as authorityWadsworth (2014)
phrase: "rule_authority"
Cited as authoritySoyoola (2013)
phrase: "rule_authority"
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·Am. Ins. Ass'n v. Florida Dept. of Ins., 646 So. 2d 784 (Fla. 1st DCA 1994).

Cited 5 times | Published | Florida 1st District Court of Appeal | 1994 WL 665767

...DOI's interpretation would render the statute void and violate unambiguous legislative intent. REVERSED. ZEHMER, C.J., and VAN NORTWICK, J., concur. NOTES [1] These areas include Monroe County and portions of 26 other counties with high hurricane risk. [2] Section 626.915, Florida Statutes, provides, in part: 626.915 Surplus lines insurance authorized....
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Cited as authority(citing case) (2020)
phrase: "rule_authority"
Cited as authority(citing case) (2001)
phrase: "rule_authority"
Cited as authority(citing case) (2000)
phrase: "rule_authority"
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·Lb Bryan & Co. v. Sch. Bd. of Broward, 746 So. 2d 1194 (Fla. 1st DCA 1999).

Cited 3 times | Published | Florida 1st District Court of Appeal | 1999 WL 1136679

...ment of Insurance. Generally speaking, section 624.401, Florida Statute (1995), requires that an insurer be "authorized" by the Department of Insurance to transact business in this state. One of the exceptions to that general requirement is found in section 626.915, Florida Statutes (1995), which provides that if certain coverages cannot be obtained in this state by an authorized insurer, then coverage may be obtained from "unauthorized insurers" subject to certain conditions, including the condition that the insurer is "an eligible surplus lines insurer under s....
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Cited as authority(citing case) (2009)
phrase: "rule_authority"
Cited as authority(citing case) (2006)
phrase: "rule_authority"
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·Essex Ins. Co. v. Integrated Drainage Solutions, Inc., 124 So. 3d 947 (Fla. 2d DCA 2013).

Cited 2 times | Published | Florida 2nd District Court of Appeal | 2013 WL 5495541, 2013 Fla. App. LEXIS 15681

...is case applies equally to that statutory provision. . Surplus lines insurance is an alternative product that can be purchased from insurers not authorized to do business in Florida when the coverage sought is not available from authorized insurers. § 626.915, Fla....
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Cited as authority(citing case) (2024)
phrase: "rule_authority"
Cited as authority(citing case) (2023)
phrase: "rule_authority"
Cited as authority(citing case) (2020)
phrase: "rule_authority"
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Prescott Architects, Inc. v. Lexington Ins., 638 F. Supp. 2d 1317 (N.D. Fla. 2009).

Published | District Court, N.D. Florida | 2009 U.S. Dist. LEXIS 56855

...that the policy itself was intended to provide surplus-lines coverage: the policy's declaration page states "[t]his insurance is issued pursuant to the Florida Surplus Lines Laws" and lists Daniel De La Rosa as the Surplus Lines Agent as required by § 626.915(3)....

This Florida statute resource is curated by Graham W. Syfert, Esq., a Jacksonville, Florida personal injury and workers' compensation attorney (Florida Bar No. 39104). For legal consultation, call 904-383-7448.