# Florida Insurance Agency License: Requirements and Fees > How to license an insurance agency in Florida: who must license, the agent in charge rule, the $0 NIPR state fee, fingerprints and why licenses never renew. Source: https://eseniorinsurance.com/agencies/license/florida/ Last updated: 2026-10-13 [Home](https://eseniorinsurance.com/) / [ESI Agencies](https://eseniorinsurance.com/agencies/) / [Agency licenses](https://eseniorinsurance.com/agencies/license/) /Florida Insurance Agency License: Requirements and Fees # Florida Insurance Agency License: Requirements and Fees Florida requires an insurance agency license for each place of business, unless a single licensed agent works in their own name without using other licensees. You apply through DFS MyProfile or NIPR, designate a licensed and appointed agent in charge for every location, and fingerprint unlicensed owners and officers. NIPR shows a $0 state fee, and the license never renews while an agent in charge is designated. [Contract your Florida agency](https://eseniorinsurance.com/agencies/contracting/) · [Call 801-255-5340](tel:+18012555340) ## Let's set the stage Florida does agency licensing differently from most states, and in some ways it is easier. Section 626.112(7)(a), Florida Statutes, says no individual, firm, partnership, corporation or other entity may act as an insurance agency unless it holds an agency license under 626.172 for each place of business. The penalty for skipping it is an administrative fine of up to $10,000 (626.112(7)(c)). ## Florida agency license at a glance | Item | Florida rule | | --- | --- | | License name | Insurance Agency License, DFS Form 21-05 (resident and nonresident) | | Who must license | Any entity acting as an agency, resident or nonresident, with one exemption | | Responsible person | An agent in charge, licensed and appointed, at every location | | Where to apply | DFS Agency MyProfile or NIPR | | State fee | $0 on NIPR, plus NIPR's $5.60 transaction fee | | Term | Perpetual while an agent in charge is designated | | Regulator | Florida Department of Financial Services, Division of Insurance Agent and Agency Services | ## Who must hold a Florida agency license Here's the thing: Florida has a clean exemption, and it tells you exactly when you need the license. The statute exempts an agency "owned and operated by a single licensed agent conducting business in his or her individual name and not employing or otherwise using the services of or appointing other licensees." The moment you use an entity name, hire another licensed agent or appoint one, you need the agency license. Nonresident agencies are covered too. The DFS FAQ answers "Yes" when asked whether an agency licensed in another state that transacts insurance in Florida must be licensed in Florida. Branches that share the agency's name and FEIN do not need their own license, as long as each has a designated agent in charge and is reported within 30 days after it starts doing business (626.112(7)(b)). ## The agent in charge Florida calls the responsible person the agent in charge; NIPR calls it the DRLP, and exactly one goes on a NIPR application. The agent in charge must be licensed and appointed in a qualifying line, such as Health and Life (2-18 or 8-18), Life (2-16 or 8-16), Health (2-40 or 8-40) or General Lines (2-20 or 9-20). A limited lines license does not qualify. If a location transacts two or more lines, the agent in charge must be licensed in at least two of them (626.0428(4)(a)). Let's be real about the risk. If no agent in charge is designated for 90 days, the agency license expires automatically on day 91 (626.0428(4)(f)). The agent in charge is also accountable for violations by the people they supervise. When yours leaves, replace them and report it within 30 days. ## How to apply, step by step 1. Create an Agency MyProfile account with DFS using the agency's FEIN, or file through NIPR. After a NIPR filing, set up MyProfile anyway to track deficiencies. 2. List every owner, partner, officer, director and managing LLC member, with at least one marked as owner or officer (626.172(2)(a)). 3. Give the agency name, principal street address (no P.O. boxes), email, registered agent, every branch address and the agent in charge for each location. 4. Fingerprint each listed owner, officer or director who is not a licensed and appointed Florida agent. Prints are paid directly to the vendor. 5. Check your name. DFS may reject names that mislead the public, imply you are an insurer or a government entity, or contain "Medicare" or "Medicaid." 6. Have an officer or director listed on the application sign it, and display the license at each location once issued (626.172(4)). ## Florida agency license fees | Fee | Amount | Where it is published | | --- | --- | --- | | NIPR state fee, resident or nonresident agency | $0 | NIPR Florida business pages | | NIPR transaction fee | $5.60 | NIPR help articles | | Fingerprints per person ($24.00 FDLE, $12.00 FBI, $13.50 vendor) | $49.50 | DFS fees page | | Renewal | None | DFS licensing FAQ | All Florida application fees are nonrefundable under 626.171(5). ## Renewal: there isn't one The DFS FAQ is blunt: "Agency licenses are perpetual as long as there is an agent-in-charge effectively designated." No renewal fee, and no continuing education for the agency. Your individual agents still renew and complete CE on their own licenses. ## Bond and E&O DFS Form 21-05, the DFS opening an agency page and NIPR's Florida pages state no bond, E&O or capital requirement for a general insurance agency license. The E&O and bond rules in the DFS FAQ apply to title agencies only. Carriers may still ask for E&O; see [do agencies need E&O](https://eseniorinsurance.com/agencies/answers/do-insurance-agencies-need-e-and-o-insurance/) . ## What we could not verify We could not find the agency fee for an application filed directly in DFS MyProfile; the DFS fee page lists only a generic $50 license application fee. We also did not verify Sunbiz registration or fictitious name rules, and no DFS phone number appeared on the pages we used. Email agentlicensing@myfloridacfo.com to confirm. ## After the license A licensed Florida agency still needs carrier contracts before it can earn a dollar. We are a licensed agency in Draper, Utah, and we contract agencies across the country. Start at [agency contracting with ESI](https://eseniorinsurance.com/agencies/contracting/) , check [what agency licenses cost in other states](https://eseniorinsurance.com/agencies/answers/how-much-does-an-insurance-agency-license-cost/) , or compare states on our [agency license hub](https://eseniorinsurance.com/agencies/license/) . ## Frequently asked questions **Do I need an agency license in Florida if I work alone?** Not if you are a single licensed agent doing business in your own individual name and you do not employ, use or appoint other licensees. Using an entity name or hiring licensed agents requires the agency license. **How much does a Florida insurance agency license cost?** NIPR lists a $0 state fee for resident and nonresident agencies, plus its $5.60 transaction fee. Owners and officers who are not licensed and appointed Florida agents pay $49.50 each for fingerprints. **Does a Florida agency license expire?** No regular renewal. DFS says agency licenses are perpetual while an agent in charge is designated, but the license expires automatically if no agent in charge is designated for 90 days. **Can my Florida agency name include the word Medicare?** No. DFS Form 21-05 and NIPR say DFS may reject agency names that contain Medicare or Medicaid, imply the agency is an insurer or a government entity, or mislead the public. ## Sources 1. [DFS: Opening an insurance agency](https://www.myfloridacfo.com/division/agents/licensing/agencies-firms/opening-ins-agency) 2. [DFS Form 21-05 (PDF)](https://myfloridacfo.com/docs-sf/insurance-agents-and-agency-services-libraries/agents-docs/licensure/agents-adjusters/21-05-insurance-agency-license.pdf?sfvrsn=141e2e51_6) 3. [DFS: Licensing FAQ](https://myfloridacfo.com/division/agents/licensing/faq) 4. [DFS: Fees](https://myfloridacfo.com/division/agents/licensing/agents-and-adjusters/fees) 5. [NIPR: Florida resident licensing, business](https://nipr.com/licensing-center/state-requirements/florida-resident-licensing-business) 6. [NIPR: Florida non-resident licensing, business](https://nipr.com/licensing-center/state-requirements/florida-non-resident-licensing-business) 7. [Florida Statutes 626.172](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.172.html) 8. [Florida Statutes 626.0428](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.0428.html) 9. [Florida Statutes 626.112](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.112.html) 10. [NIPR: Apply for an initial license (transaction fee)](https://nipr.com/help/help-articles/apply-for-an-initial-license) Updated October 13, 2026 by the Everything Senior Insurance Data Desk. ## Keep reading - [Insurance Agency License Requirements by State](https://eseniorinsurance.com/agencies/license/) - [Georgia Insurance Agency License: Fees and Renewal](https://eseniorinsurance.com/agencies/license/georgia/) - [Texas Insurance Agency License: Fees and Renewal](https://eseniorinsurance.com/agencies/license/texas/) - [North Carolina Insurance Agency License and Fees](https://eseniorinsurance.com/agencies/license/north-carolina/) - [Insurance Agency License Requirements Explained](https://eseniorinsurance.com/agencies/learn/insurance-agency-license-requirements/) - [How Much Does an Insurance Agency License Cost?](https://eseniorinsurance.com/agencies/answers/how-much-does-an-insurance-agency-license-cost/) - [Do I Need an Agency License to Hire Insurance Agents?](https://eseniorinsurance.com/agencies/answers/do-i-need-an-agency-license-to-hire-agents/) - [Agency Contracting With ESI: How It Works](https://eseniorinsurance.com/agencies/contracting/) ## Contract your Florida agency Call 801-255-5340 or reach us online. [Contract your Florida agency](https://eseniorinsurance.com/agencies/contracting/) --- Everything Senior Insurance · Draper, UT · [801-255-5340](tel:+18012555340) · info@eseniorins.com · Agency NPN 18240955 We do not offer every plan available in your area. Currently we represent 95 organizations which offer 3,742 plans nationwide. Please contact Medicare.gov or 1-800-MEDICARE. Not connected with or endorsed by the U.S. government or the federal Medicare program. Everything Senior Insurance is a DBA of Christian Brindle Insurance Services.