Florida Statutes

Fla. Stat. § 626.922 (2025)

Evidence of the insurance; changes; penalty.

✓ 2025 Florida Statutes — current through the 2025 Regular Session

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626.922 Evidence of the insurance; changes; penalty.—

(1) Upon placing a surplus lines coverage, the surplus lines agent shall promptly issue and deliver to the insured evidence of the insurance consisting either of the policy as issued by the insurer or, if such policy is not then available, a certificate, cover note, or other confirmation of insurance. Such document shall be executed or countersigned by the surplus lines agent and shall show the description and location of the subject of the insurance; coverage, conditions, and term of the insurance; the premium and rate charged and taxes collected from the insured; and the name and address of the insured and insurer. If the direct risk is assumed by more than one insurer, the document shall state the name and address and proportion of the entire direct risk assumed by each insurer. A surplus lines agent may not delegate the duty to issue any such document to producing general lines agents without prior written authority from the surplus lines insurer. A general lines agent may issue any such document only if the agent has prior written authority from the surplus lines agent. The surplus lines agent must maintain copies of the authorization from the surplus lines insurer and the delegation to the producing general lines agent. The producing agent must maintain copies of the written delegation from the surplus lines agent and copies of any evidence of coverage or certificate of insurance which the producing agent issues or delivers. Any evidence of coverage issued by a producing agent pursuant to this section must include the name and address of the authorizing surplus lines agent.

(2) No surplus lines agent shall issue any such document, or purport to insure or represent that insurance will be or has been granted by any unauthorized insurer, unless he or she has prior written authority from the insurer for the insurance, or has received information from the insurer in the regular course of business that such insurance has been granted, or an insurance policy providing the insurance actually has been issued by the insurer and delivered to the insured.

(3) If after the issuance and delivery of any such document there is any change as to the identity of the insurers, or the proportion of the direct risk assumed by the insurer as stated in the original certificate, cover note, or confirmation, or in any other material respect as to the insurance coverage evidenced by such a document, the surplus lines agent shall promptly issue and deliver to the insured a substitute certificate, cover note, or confirmation, or an endorsement for the original such document, accurately showing the current status of the coverage and the insurers responsible thereunder. No such change shall result in a coverage or insurance contract which would be in violation of this Surplus Lines Law if originally issued on such basis.

(4) A copy of the policy or cover note or confirmation of insurance shall be delivered to the insured within 60 days after the effectuation of coverage.

(5) Any surplus lines agent who knowingly or negligently issues a false certificate, cover note, or confirmation of insurance, or false endorsement therefor, or who fails promptly to notify the insured of any material change with respect to such insurance by delivery to the insured of a substitute certificate, cover note, or confirmation, or endorsement as provided in subsection (3), shall, upon conviction, be subject to the penalties provided by s. 624.15 or to any greater applicable penalty otherwise provided by law.

History.—s. 361, ch. 59-205; s. 2, ch. 81-318; ss. 318, 807, ch. 82-243; ss. 170, 206, 207, ch. 90-363; s. 4, ch. 91-429; s. 302, ch. 97-102; s. 69, ch. 98-199.

Notes of Decisions

Cited in 9 cases (1 in the last 5 years), 2005–2025 · leading case: Essex Ins. Co. v. Zota, 985 So. 2d 1036 (Fla. 2008).

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Essex Ins. Co. v. Zota, 985 So. 2d 1036 (Fla. 2008). · cites it 24× “Whether Fla. Stat. § 626.922 or § 627.421, or both, require delivery of evidence of insurance directly to the insured, so that delivery to the insured's agent is insufficient.”

Essex Ins. Co. v. Mercedes Zota, 466 F.3d 981 (11th Cir. 2006). · cites it 7× “Fla. Stat. § 626.922 (1). Also relevant to the dispute is Florida Statute § 627.”

Essex Ins. v. Zota, 607 F. Supp. 2d 1340 (S.D. Fla. 2009). · cites it 10× “In their original Motion for Summary Judgment, Defendants contended that they were entitled to summary judgment because Essex failed to deliver the Policy to Lighthouse in compliance with Fla. Stat. § 626.922 . Defendants also asserted that they were entitled to judgment as a…”

Lloyds Underwriters at London v. Keystone Equip. Fin. Corp., 25 So. 3d 89 (Fla. 4th DCA 2009). · cites it 4× “Section 626.922 requires the surplus lines agent to “promptly issue and deliver to the insured” either the policy or, if the policy is not “then available, a certificate, cover note, or other confirmation of insurance” showing, among other things, “coverage, conditions, and term…”

First Specialty Ins. v. 633 Partners, Ltd., 300 F. App'x 777 (11th Cir. 2008). “See Fla. Stat. § 626.922 (1) (2008). However, the case they cited for this proposition has since been overturned by the Florida Supreme Court, which instead held that an insured party could not use that section to require personal delivery of copies of the policy if the insurer…”

Off. Cargo Transp. Co. v. Certain Interested Underwriters at Lloyds of London, 368 F. Supp. 2d 1314 (S.D. Fla. 2005). “If Florida Statutes § 626.922 applies to the surplus lines statute and the policy was not delivered prior to the incident, then the Defendant would be precluded from denying coverage based on any condition listed in the policy, including the requirement that the trailer be under…”

Off. Cargo Transp. Co. v. Underwriters at Lloyd's of London, 143 F. App'x 173 (11th Cir. 2005). “See Fla. Stat. § 626.922 (1). Based on our review of the parties’ arguments, the district court did not err by relying on the foregoing exhibits to show compliance with § 626.”

Trisura Specialty Ins. Co. v. South Florida Lodging, LLC (S.D. Fla. 2025). · cites it 2× “a material fact by Plaintiff, which South Florida reasonably and detrimentally relied upon” (Fourth Affirmative Defense); and (5) Plaintiff “should be barred from denying its duty to defend and duty to indemnify based upon exclusions for firearms or weapons, assault or battery,…”

Underwriters at Lloyd's London v. Osting-Schwinn, 545 F. Supp. 2d 1261 (M.D. Fla. 2008). · cites it 2× “” Fla. Stat. § 626.922 (5). It is fair to say that based on the unique nature of an insurance contract when surplus lines agents are involved it is permissible for Mr.”

— 626.922(1) — 2 cases

Essex Ins. Co. v. Zota, 985 So. 2d 1036 (Fla. 2008). “Whether Fla. Stat. § 626.922 or § 627.421, or both, require delivery of evidence of insurance directly to the insured, so that delivery to the insured's agent is insufficient.”

Lloyds Underwriters at London v. Keystone Equip. Fin. Corp., 25 So. 3d 89 (Fla. 4th DCA 2009). “Section 626.922 requires the surplus lines agent to “promptly issue and deliver to the insured” either the policy or, if the policy is not “then available, a certificate, cover note, or other confirmation of insurance” showing, among other things, “coverage, conditions, and term…”

— 626.922(4) — 1 case

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