Organization And Operation
This statement of agency organization and operation has been prepared in accordance with the requirements of Section 28-101.001, Florida Administrative Code, and is available to any person upon request.
The Florida Office of Insurance Regulation (OIR) is responsible for all activities concerning insurers and other risk bearing entities, including licensing, rates, policy forms, market conduct, claims, issuance of certificates of authority, solvency, viatical settlements, premium financing, and administrative supervision, as provided under the Florida Insurance Code or Chapter 636, Florida Statutes. The head of the OIR is the Florida Insurance Commissioner.
The Commissioner is appointed by the Financial Services Commission (FSC). The FSC is comprised of the Governor, Chief Financial Officer, Attorney General, and Commissioner of Agriculture. The FSC serves as agency head for purposes of rulemaking pursuant to sections 120.536-120.565, Florida Statutes. FSC action is taken by majority vote. The Insurance Commissioner is considered the agency head for purposes of final agency action for all areas within the regulatory authority delegated to OIR.
For purposes of administrative, personnel, and technology support, OIR is housed within the Department of Financial Services. OIR funding is appropriated by the Legislature from the Insurance Regulatory Trust Fund (IRTF), funded by insurance company licensing fees, surplus lines taxes, and fines that may be levied for non-compliance with provisions of the Insurance Code.
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