Titular de Insurance Insights
Volume 1, No. 5 - October 2012

Esquina de Cumplimiento

We continue to see a pattern of noncompliance in the areas noted below. This section has been created to assist you in keeping your insurance business in compliance. The items are intended as reminders only and are not necessarily the exact text of the Estatutos de la Florida o Código Administrativo de la Florida. The legal cites have been provided for your further reference.

Agent in Charge/Primary Adjuster Required for Branch Offices/Firms

Each branch of a multiple-location insurance agency or adjusting firm must be supervised full-time by a licensed agent or adjuster, according to Florida law. As stated in ss. 626.747(1), F.S., "Each branch place of business established by an agent or agency, firm, corporation, or association shall be in the active full-time charge of a licensed general lines agent or life or health agent who is appointed to represent one or more insurers. Any agent or agency, firm, corporation, or association which has established one or more branch places of business shall be required to have at least one licensed general lines agent who is appointed to represent one or more insurers at each location of the agency including its headquarters location."

The primary adjuster law, s. 626.8695, F.S., states that each person operating an adjusting firm and each location of a multiple location adjusting firm must designate a primary adjuster for each such firm or location. The statute also defines a primary adjuster as the licensed adjuster who is responsible for the hiring and supervision of all individuals within an adjusting firm location who deal with the public and who acts in the capacity of a public adjuster as defined in s. 626.854, or an independent adjuster as defined in s. 626.855. An adjuster may be designated as a primary adjuster for only one adjusting firm location.

Bail bond agencies, as well, must have a designated primary bail bond agent for each location at all times per s. 648.387, F.S. The primary bail bond agent is responsible for the overall operation and management of a bail bond agency location, whose responsibilities may include, without limitations, hiring and supervising of all individuals within the location, whether they deal with the public in the solicitation or negotiation of bail bond contracts or in the collection or accounting of moneys. A person may be designated as primary bail bond agent for only one location.

[See Sections 626.747, 626.854, 626.855, 626.8695, y 648.387, Estatutos de la Florida]

Assessing Credit Card Fees to Consumers

Agents may charge and collect the exact amount of the fee imposed by a credit card facility in connection with the use of a credit card in addition to the premium required by the insurer. The exception to this is with the issuance of bail bonds, where a bail bond agent may not charge any fee above or less than the approved premium rate. However, bail bond agents may charge the credit card fee imposed when the credit card is used to provide collateral on the bail bond written as long as the fee is clearly shown on the collateral receipt, is posted on a notice in the bail bond agency and is acknowledged by the consumer.

[See Subsections 626.9541(1)(o)2 y 648.571(3)(b), Estatutos de la Florida]

Charging Consumers for Motor Vehicle Reports (MVRs)

An agent/agency may charge a consumer the actual cost of the MVR for each licensed driver. However, you may not include subscription or access fees associated with obtaining the MVR in the cost to the consumer.

[See Subsection 627.7295(5)(b), Estatutos de la Florida]

All Licensees: Appointments and the Easy Way to Do Them Online

Appointments must be completed online (except bail bond agents). Depending on the type of license and appointment, the steps to complete the appointment may be different. Please view the appropriate category below for instructions:

  • Representante del Cliente: Customer representatives (4-40) and limited customer representatives (4-42) must be appointed through the Mi Perfil account of the supervising general lines agent (2-20) OR the licensed/registered insurance agency where the customer representative works. To do this:
    1. Vaya a Mi Perfil e ingrese en la cuenta de la agencia o del agente supervisor de líneas generales.
    2. Seleccione el enlace "Acceder a eAppoint" dentro de "Solicitar". Si no ha utilizado nunca eAppoint, primero debe registrarse y seleccionar "Registrarse para ser entidad emisora de nombramientos".
    3. Ya en la mesa de trabajo de eAppoint, seleccione la pestaña requerida (Nombramiento Nuevo, Renovar Nombramiento o Finalizar Nombramiento) y siga las instrucciones en la página. Tendrá que enviar el/los arancel(es) para nombramiento correspondiente(s). Los nombramientos deberán renovarse cada 24 meses durante el mes de nacimiento de la persona designada.
  • Agente de Líneas Excedentes, Corredor de Acuerdos de Viáticos, Tasador Público o de Todas las Líneas de su Propio Nombramiento: Los agentes de líneas excedentes, corredores de acuerdos de viático y tasadores públicos o de todas las líneas de su propio nombramiento deben ingresar en su propia cuenta de Mi Perfil y completar un nombramiento. Para hacerlo:
    1. Vaya a Mi Perfil e ingrese a su cuenta.
    2. Seleccione el botón "Acceder a eAppoint" debajo de "Solicitar". Si no ha utilizado nunca eAppoint, primero debe registrarse y seleccionar "Registrarse para ser entidad emisora de nombramientos".
    3. Ya en la mesa de trabajo de eAppoint, seleccione la pestaña requerida (Nombramiento Nuevo, Renovar Nombramiento o Finalizar Nombramiento) y siga las instrucciones en la página. Tendrá que enviar el/los arancel(es) para nombramiento correspondiente(s). Los nombramientos deberán renovarse cada 24 meses durante el mes de nacimiento de la persona designada.
  • Adjusting Firm Appointing a Public or All-lines Adjuster: Adjusting firms that are attempting to appoint a public or all-lines adjuster must use eAppoint by logging in with an email address and password. To do this:
    1. Vaya a eAppoint en https://iportal.fldfs.com/eappoint. Si tiene problemas para iniciar sesión, intente hacer clic en el botón "Recuperar contraseña perdida" ubicado en el margen izquierdo de la pantalla. Si el problema persiste, comuníquese con nuestra Línea de Asistencia sobre Licencias al (850) 413-3137.
    2. Ya en la mesa de trabajo de eAppoint, seleccione la pestaña requerida (Nombramiento Nuevo, Renovar Nombramiento o Finalizar Nombramiento) y siga las instrucciones en la página. Tendrá que enviar el/los arancel(es) para nombramiento correspondiente(s). Los nombramientos deberán renovarse cada 24 meses durante el mes de nacimiento de la persona designada.
  • Insurance Companies and All Other Entities: Insurance companies and all other entities must use eAppoint and will log in using an email address and password. To do this:
    1. Vaya a eAppoint en https://iportal.fldfs.com/eappoint. Si tiene problemas para iniciar sesión, intente hacer clic en el botón "Recuperar contraseña perdida" ubicado en el margen izquierdo de la pantalla. Si el problema persiste, comuníquese con nuestra Línea de Asistencia sobre Licencias al (850) 413-3137.
    2. Ya en la mesa de trabajo de eAppoint, seleccione la pestaña requerida (Nombramiento Nuevo, Renovar Nombramiento o Finalizar Nombramiento) y siga las instrucciones en la página. Tendrá que enviar el/los arancel(es) para nombramiento correspondiente(s). Los nombramientos deberán renovarse cada 24 meses durante el mes de nacimiento de la persona designada.