FloridaFlorida law provides limited licenses for electronics or eyewear insurance
Florida law provides limited licenses for portable electronics or eyewear insurance and lets some supervised retail employees sell that coverage.
What it does
Florida law provides a limited license for insurance covering portable electronics or eyewear, including smart glasses, eyeglasses, and sunglasses.
Some retail employees may sell portable electronics or eyewear insurance without individual agent licenses if sales are supervised and customers can review required written information.
A Canadian resident seeking to adjust these claims must first hold an adjuster license in another state to receive a Florida nonresident license.
Argument forRequired written information could help customers compare coverage, spot possible overlap, and understand how to file a claim or cancel.
Argument againstCustomers could still pay for coverage that overlaps with insurance they already have, even though the written materials must warn them about possible overlap.
More detail
The law provides a limited license for insurance covering portable electronics or eyewear. Covered eyewear includes smart glasses, eyeglasses, and sunglasses, with or without prescriptions. The license covers property or inland marine insurance for loss, theft, mechanical failure, malfunction, or damage. A retail vendor's lead location must have a contract with a general lines agent. The law took effect July 1, 2026.
Some retail employees and representatives may sell the insurance without individual agent licenses. This applies to employees or authorized representatives of a licensed general lines agent or an eligible retail vendor's lead location. Sales must be at a licensed location or an appointed branch, under the insurer's or an appointed general lines agent's supervision. Written information about coverage, possible overlap, claims, and cancellation must be available to customers at each location. The law took effect July 1, 2026.
A Canadian resident may not receive a nonresident independent adjuster license for these claims unless licensed as an adjuster in another state. This applies to Canadian residents seeking to adjust portable electronics or eyewear insurance claims. The other-state license must be obtained before the person receives the nonresident license. The law took effect July 1, 2026.
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Where it stands
- Introduced
- Passed Senate
- Passed House
- To Governor
- Became Law
Looking ahead
No hearings or votes scheduled.
History
- 2026
- May 26Chapter No. 2026-97Latest
- May 22Approved by Governor Ron DeSantisBecame Law
- May 21Signed by Officers and presented to GovernorTo Governor
- Mar 17Ordered enrolledMinor
- Mar 10CS passed; YEAS 113, NAYS 0Passed House
- Vote recorded Passage, Third Reading. Result: pass.Lower
- Mar 10Read 3rd timeMinor
- Mar 10Added to Third Reading Calendar
- Mar 10Read 2nd timeMinor
- Mar 91st Reading (Committee Substitute 1)Minor
- Mar 9Bill added to Special Order Calendar (3/10/2026)
- Mar 9Bill referred to House Calendar
- Feb 26In Messages
- Vote recorded Third Reading. Result: pass.Upper
- Feb 26Immediately certified
- Feb 26CS passed; YEAS 36 NAYS 0Passed Senate
- Feb 26Read 3rd timeMinor
- Feb 26Read 2nd timeMinor
- Feb 25Placed on Special Order Calendar, 02/26/26
- Feb 25Placed on Calendar, on 2nd reading
- Feb 24Favorable by- Rules; YEAS 23 NAYS 0Minor
- Vote recorded Favorable. Result: pass.Upper
- Feb 19On Committee agenda-- Rules, 02/24/26, 12:00 pm, 412 Knott Building
- Feb 13Now in Rules
- Feb 12Favorable by Appropriations Committee on Agriculture, Environment, and General Government; YEAS 10 NAYS 0Minor
- Vote recorded Favorable. Result: pass.Upper
- Feb 9On Committee agenda-- Appropriations Committee on Agriculture, Environment, and General Government, 02/12/26, 4:30 pm, 412 Knott Building
- Feb 4CS by Banking and Insurance read 1st time
- Jan 29Now in Appropriations Committee on Agriculture, Environment, and General Government
- Jan 29Pending reference review under Rule 4.7(2) - (Committee Substitute)
- Jan 28CS by Banking and Insurance; YEAS 10 NAYS 0
- Vote recorded Favorable with Committee Substitute. Result: pass.Upper
- Jan 23On Committee agenda-- Banking and Insurance, 01/28/26, 10:30 am, 412 Knott Building
- Jan 13IntroducedMinor
- 2025
- Dec 16Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; RulesMinor
- Dec 5FiledIntroduced
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