Florida Statute 627.091 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXVII
INSURANCE

Chapter 627
INSURANCE RATES AND CONTRACTS

View Entire Chapter

627.091 Rate filings; workers’ compensation and employer’s liability insurances.—

(1) As to workers’ compensation and employer’s liability insurances, every insurer shall file with the office every manual of classifications, rules, and rates, every rating plan, and every modification of any of the foregoing which it proposes to use. Every insurer is authorized to include deductible provisions in its manual of classifications, rules, and rates. Such deductibles shall in all cases be in a form and manner which is consistent with the underlying purpose of chapter 440.

(2) Every such filing shall state the proposed effective date thereof, and shall indicate the character and extent of the coverage contemplated. When a filing is not accompanied by the information upon which the insurer supports the filing and the office does not have sufficient information to determine whether the filing meets the applicable requirements of this part, it shall within 15 days after the date of filing require the insurer to furnish the information upon which it supports the filing. The information furnished in support of a filing may include:

(a) The experience or judgment of the insurer or rating organization making the filing;

(b) Its interpretation of any statistical data it relies upon;

(d) Any other factors which the insurer or rating organization deems relevant.

(3) A filing and any supporting information shall be open to public inspection as provided in s. 119.07(1).

(4) An insurer may satisfy its obligation to make such filings by becoming a member of, or a subscriber to, a licensed rating organization which makes such filings and by authorizing the office to accept such filings in its behalf; but nothing contained in this chapter shall be construed as requiring any insurer to become a member or a subscriber to any rating organization.

(5) Pursuant to the provisions of s. 624.3161, the office may examine the underlying statistical data used in such filings.

(6) Whenever the committee of a recognized rating organization with responsibility for workers’ compensation and employer’s liability insurance rates in this state meets to discuss the necessity for, or a request for, Florida rate increases or decreases, the determination of Florida rates, the rates to be requested, and any other matters pertaining specifically and directly to such Florida rates, such meetings shall be held in this state and shall be subject to s. 286.011. The committee of such a rating organization shall provide at least 3 weeks’ prior notice of such meetings to the office and shall provide at least 14 days’ prior notice of such meetings to the public by publication in the Florida Administrative Register.

History.—s. 419, ch. 59-205; s. 5, ch. 67-9; ss. 13, 35, ch. 69-106; s. 3, ch. 76-168; s. 1, ch. 77-457; s. 20, ch. 78-300; s. 95, ch. 79-40; ss. 20, 22, ch. 80-236; ss. 2, 3, ch. 81-318; ss. 357, 806, ch. 82-243; s. 49, ch. 82-386; ss. 4, 9, 10, ch. 87-124; s. 63, ch. 91-108; s. 4, ch. 91-429; s. 1, ch. 93-289; s. 1076, ch. 2003-261; s. 53, ch. 2013-14.

F.S. 627.091 on Google Scholar

F.S. 627.091 on CourtListener

Amendments to 627.091

Annotations, Discussions, Cases:

Cases Citing Statute 627.091

Total Results: 7

Florida Weld. & E. Serv., Inc. v. American Mut. Ins. Co.

285 So. 2d 386

Supreme Court of Florida | Filed: Nov 7, 1973 | Docket: 2531648

Cited 28 times | Published

"rating" statutes involved, in two respects: (1) § 627.091 allows, but does not require, insurance companies

Continental Casualty Co. v. First Financial Employee Leasing, Inc.

716 F. Supp. 2d 1176, 2010 U.S. Dist. LEXIS 55642

District Court, M.D. Florida | Filed: Jun 3, 2010 | Docket: 2404395

Cited 8 times | Published

foregoing which it proposes to use." Fla. Stat. § 627.091(1). However, an insurer "may satisfy its obligation

Nationwide Mutual Insurance Company v. Williams

188 So. 2d 368

District Court of Appeal of Florida | Filed: Jul 7, 1966 | Docket: 1743689

Cited 6 times | Published

classified territories during this period. Section 627.091, Florida Statutes, F.S.A., specifically provides

National Council on Compensation Insurance, Florida Office of Insurance Regulation, and David Altmaier, in his official capacity as Commissioner of the Florida Office of Insurance Regulation v. James F. Fee Jr., Individually

219 So. 3d 172, 2017 WL 1908370, 2017 Fla. App. LEXIS 6518

District Court of Appeal of Florida | Filed: May 9, 2017 | Docket: 6061121

Cited 1 times | Published

that will file the proposals on their behalf. § 627.091(4), Fla. Stat. (2015). A rating organization is

Bristol Hotel Management Corp. v. Aetna Casualty & Surety Co.

20 F. Supp. 2d 1345, 1998 U.S. Dist. LEXIS 16583, 1998 WL 663354

District Court, S.D. Florida | Filed: Aug 26, 1998 | Docket: 2295602

Cited 1 times | Published

approval of the Department of Insurance, see § 627.091, the policy forms must also be approved by the

Imperial Industries, Inc. v. Florida Compensation Rating Bureau

387 So. 2d 1030, 1980 Fla. App. LEXIS 17573

District Court of Appeal of Florida | Filed: Sep 15, 1980 | Docket: 64578013

Published

filings for workmen’s compensation pursuant to Section 627.091(4) and adopted rules for the governing of matters

Travelers Indemnity Co. v. Williams

190 So. 2d 27, 1966 Fla. App. LEXIS 4852

District Court of Appeal of Florida | Filed: Aug 11, 1966 | Docket: 64498056

Published

391, F.S.A. . BIS. § 627.031, V.S.A. . F.S. § 627.091, F.S.A. . Massachusetts Bond. & Ins. Co, v.

This Florida statute resource is curated by Graham W. Syfert, Esq., a Jacksonville, Florida personal injury and workers' compensation attorney. Attorney Syfert regularly works with Chapter 627 in the context of insurance coverage law and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.