Florida Risk

Insurance Regulation


The McCarran-Ferguson Act declares that the business of insurance shall be subject to regulation and taxation by the states. Here are links to agencies, laws, task forces, and committees that regulate Florida's insurance industry.


  • Florida Office of Insurance Regulation (FOIR)
    Housed within the Florida Department of Financial Services, FOIR is responsible for regulation, compliance and enforcement of the statutes related to the business of insurance.
  • Florida Law (TITLE XXXVII)
    The statutes governing Florida's insurance industry.
  • Florida Legislature
    The Florida Legislature writes and passes the laws that govern the state's insurance industry.
  • 2014 Proposed Legislation Related to Property Insurance in Florida
    SB 0228 Florida Hurricane Catastrophe Fund (FAILED)
    SB 346 Florida Insurance Guaranty Fund (FAILED)
    SB 362 Hurricane Preparedness, Sales Tax Exemption (FAILED)
    SB 416 Sinkhole Coverage (FAILED)
    SB 542 Flood Insurance (PASSED)
    HB 565 Insurance (FAILED)
    SB 610 Florida Hurricane Catastophe Fund (FAILED)
    SB 708 Insurance Claims (PASSED)
    SB 774 Windstorm Insurance Coverage (FAILED)
    CS/SB 1274 Citizens Property Insurance
    CS/SB 1326 Emergency Management (FAILED)
    SB 1672 Property Insurance (PASSED)
    SB 7062 Citizens Property Insurance Corporation Coverage (FAILED)
  • 2013 Proposed Legislation Related to Property Insurance in Florida
    SB 1770 Relating to Property Insurance (PASSED)
    HB 1107 Relating to Florida Hurricane Catastrophe Fund (FAILED)
  • National Association of Insurance Commissioners (NAIC)
    The NAIC is the organization of insurance regulators from the 50 states, the District of Columbia and the five U.S. territories. The NAIC addresses the need to coordinate regulation of multistate insurers.
  • Task Forces, Committees & Studies

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