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Commercial insurance premium financing is tightly regulated in Florida as with most states. With government regulation comes a bevy of rules and laws, compliance requirements and mandatory licensing. Here’s a brief overview for Florida agents looking for a solid, full-service premium finance partner.


  • The Florida Commissioner of Insurance issues a license for all commercial insurance premium finance companies operating in the state.
  • Finance agreements must include the total amount financed, a loan repayment schedule, any down payment needed to secure the loan, and total amount paid over the life of the note.
  • Failure to obtain the necessary licenses or articulate exact information in a loan agreement could void the agreement.
  • The State of Florida sets maximum fee and service charge amount levied in a business insurance finance agreement, so finance companies tend to compete on serve offering, ease of use and flexibility.
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