Florida Insurance License Lookup
🔍 What Is a Florida Insurance License Lookup?
A Florida insurance license lookup lets you verify whether an individual insurance agent, agency, or insurer is legally licensed to sell or transact insurance business in the State of Florida. This check is important to protect yourself from unlicensed professionals and make sure the coverage you buy is backed by a regulated provider. (FLDFS)
Florida manages insurance licensing through the Florida Department of Financial Services (DFS) and the Florida Office of Insurance Regulation (OIR). These agencies maintain official online tools to check license status and credentials. (FLDFS)
🛠️ Why License Lookup Matters
Verifying license status is crucial whether you are a consumer, business owner, or insurance professional:
- ✅ Consumer Protection: Confirms the agent or company is legally authorized and regulated in Florida.
- 🛡️ Fraud Prevention: Helps avoid unauthorized agents or companies that could leave you unprotected.
- 📋 Compliance Check: Ensures agents maintain required continuing education and appointments.
- 📊 Status Awareness: Reveals whether a license is Active, Inactive, Suspended, or Revoked. (SKS Search)
🔎 Official Tools to Lookup Florida Insurance Licenses
1. DFS Licensee Search (Individuals & Agencies)
The Florida Department of Financial Services runs the Licensee Search Database for insurance agents, brokers, adjusters, and agencies. Here’s how it works:
✅ Visit the Licensee Search portal
✔ Search by name, license number, or company
✔ View license type, status, expiration, and appointments
✔ Check continuing education compliance
This tool is free and publicly accessible to anyone wanting to verify a professional’s credentials. (FLDFS)
2. MyProfile — DFS Account Lookup
For deeper information, Florida license holders can create a MyProfile account to:
- Check personal license records
- Access letters of certification or clearance
- Update contact information
- View continuing education transcripts or deficiencies
MyProfile also provides tools to manage license renewals and print official documents. (onlinefdfs.com)
3. OIR Active Company Search
If you need to verify an insurance company or corporate entity, the Office of Insurance Regulation (OIR) maintains a separate Active Company Search:
✔ Company name
✔ Business address
✔ Authorized lines of business
✔ Status and regulatory information
This is especially useful if you’re reviewing corporate insurers rather than individual agents. (companysearch.floir.gov)
🧭 How to Do a Florida Insurance License Lookup (Step by Step)
Here’s a simple 5‑step process you can follow:
- Visit the DFS Licensee Search Page: Start with the state’s official portal. (FLDFS)
- Enter the Agent or Agency Name: You can also use the license number if you have it. (SKS Search)
- View Search Results: A list appears showing matching licensed entities. (SKS Search)
- Check License Details: Look for status, expiration, license type, and whether they’re appointed with companies. (LegalClarity)
- Verify Company Licensing (Optional): Use the OIR company search if needed. (companysearch.floir.gov)
🧑💼 Interpreting License Results
When you check a license, you’ll likely see the following:
| License Status | Meaning |
|---|---|
| Active | Authorized to sell insurance. |
| Inactive | Not currently conducting business. |
| Suspended | Temporarily barred due to compliance issues. |
| Revoked | License permanently taken away. |
An inactive license may mean the agent hasn’t renewed or surrendered their license. A suspended or revoked status is a red flag—avoid doing business with someone in these categories. (SKS Search)
🤔 Who Should Use License Lookup?
🧑💼 Consumers
Before buying insurance, ensure your agent or broker is licensed and in good standing. This protects you from scams and reinforces confidence in your coverage.
📈 Businesses & Employers
Employers frequently verify the license status of agents, brokers, and adjusters to ensure compliance with state laws.
🔁 License Holders
Licensees themselves should periodically verify their own records to check continuing education and appointment status. (onlinefdfs.com)
❗ Common Questions About Florida Insurance License Lookup
Q: Is the lookup tool free?
✔ Yes — the state tools are free and do not charge for license verification. (SKS Search)
Q: Does license lookup show disciplinary actions?
✔ Many DFS searches display regulatory actions, including suspensions or public orders. (LegalClarity)
Q: Can I verify an out‑of‑state agent?
✔ Use the National Insurance Producer Registry (NIPR) to check multi‑state licenses. NIPR complements Florida’s system. (nipr.com)
✅ Final Tips for Consumers
- Always verify before signing any insurance contract.
- Ask your agent for their National Producer Number (NPN) and confirm it in the license search.
- Report unlicensed or suspicious agents to DFS.
- Check company licensing separately using OIR’s Active Company Search. (floir.gov)
By mastering the Florida insurance license lookup process, you can protect your interests, avoid scams, and ensure you’re working with trusted, regulated professionals in the insurance industry.