100+ Free Florida Surplus Lines Practice Questions
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Key Facts: Florida Surplus Lines Exam
65-75%
First-Time Pass Rate
Industry Data
70%
Passing Score
Florida OIR
50
Exam Questions
40 scored + 10 pretest
1 hour
Exam Duration
Pearson VUE
$44
Exam Fee
Pearson VUE
General Lines (0220)
Prerequisite
Florida OIR
The FL surplus lines exam has 40 scored questions plus 10 pretest questions (50 total) with a 1-hour time limit and 70% passing score. Candidates must hold an active General Lines (0220) license. Florida charges a 5% surplus lines premium tax collected through the FSLSO. The exam fee is $44.
About the Florida Surplus Lines Exam
The Florida Surplus Lines Agent exam tests knowledge of surplus lines markets, FL-specific surplus lines law under Chapter 626 Part VIII, FSLSO filing requirements, diligent search obligations, the 5% premium tax, eligible insurer standards, and compliance requirements for agents placing insurance with non-admitted carriers in Florida.
Questions
50 scored questions
Time Limit
1 hour
Passing Score
70%
Exam Fee
$44 (Pearson VUE / Florida Office of Insurance Regulation)
Florida Surplus Lines Exam Content Outline
Surplus Lines Markets
Lloyd's of London, London market, alien insurers, E&S carrier operations, managing general agents, wholesale distribution, market cycles, and Florida's unique market
Florida Surplus Lines Law
Chapter 626 Part VIII, OIR authority, FSLSO role, General Lines (0220) prerequisite, agent obligations, Citizens relationship, and enforcement
Diligent Search & Eligibility
Diligent search requirements, documentation, declinations, eligible insurer lists, NAIC IID Quarterly Listing, financial requirements, and export list
Taxation & Compliance
5% premium tax calculation, FSLSO filing requirements and timelines, NRRA taxation, record-keeping, disclosure requirements, and FIGA exclusion
How to Pass the Florida Surplus Lines Exam
What You Need to Know
- Passing score: 70%
- Exam length: 50 questions
- Time limit: 1 hour
- Exam fee: $44
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
Florida Surplus Lines Study Tips from Top Performers
Frequently Asked Questions
What are the prerequisites for the Florida surplus lines agent exam?
You must hold an active General Lines (0220) insurance license in Florida. The FSLSO offers a pre-licensing course (~$150) that is recommended but not required. You must pass the surplus lines exam with 70% or higher. The exam fee is $44.
What is the Florida surplus lines premium tax rate?
Florida imposes a 5% surplus lines premium tax on gross premiums. The surplus lines agent collects this tax from the insured and remits it to the state through the FSLSO. The 5% rate is among the highest in the nation, reflecting Florida's large surplus lines market.
What is the FSLSO and what role does it play?
The Florida Surplus Lines Service Office (FSLSO) is the state's surplus lines stamping office. It reviews and processes surplus lines filings, collects premium taxes, verifies insurer eligibility, and monitors compliance. All surplus lines transactions must be filed with the FSLSO within the required timeframe.
Are surplus lines policyholders covered by FIGA?
No. Policyholders of surplus lines (non-admitted) insurers are excluded from the Florida Insurance Guaranty Association (FIGA). If the surplus lines insurer becomes insolvent, the policyholder has no guaranty fund protection. This must be disclosed to every insured.
How many questions are on the Florida surplus lines exam?
The FL surplus lines exam has 50 questions total: 40 scored and 10 pretest (unscored). You have 1 hour to complete it and need 70% on the scored questions to pass. The exam is administered by Pearson VUE at testing centers throughout Florida.
Why is Florida such an important surplus lines market?
Florida is consistently among the top states for surplus lines premium volume due to its significant hurricane exposure, coastal property risks, and large commercial market. The surplus lines market provides essential coverage for risks that admitted carriers restrict, particularly windstorm and coastal property coverage.