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ArticleFree Surplus Lines Insurance Practice Test by State 2026: 2,300+ Questions22 min read
Exam Review

Key Facts: Florida Surplus Lines Exam

4.94%

Surplus Lines Premium Tax

F.S. 626.932

70%

Passing Score

Pearson VUE Florida candidate handbook

50

Exam Questions

40 scored + 10 pretest

1 hour

Exam Duration

DFS content outline

$44

Exam Fee

Pearson VUE

General Lines (2-20)

Prerequisite

F.S. 626.927

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 (2-20) license and complete a 60-hour surplus lines course or 1 year of qualifying experience. Florida charges a 4.94% surplus lines premium tax collected through the FSLSO. The exam fee is $44.

Sample Florida Surplus Lines Practice Questions

Try these sample questions to review concepts for the Florida Surplus Lines exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 139+ question experience with AI tutoring.

1What is the primary purpose of the surplus lines market in Florida?
A.To provide coverage for risks that admitted carriers are unable or unwilling to insure
B.To offer cheaper insurance than Citizens Property Insurance
C.To replace the Florida Insurance Guaranty Association
D.To provide federal flood insurance
Explanation: The surplus lines market in Florida exists to provide coverage for risks that the admitted (standard) market is unable or unwilling to insure. This is particularly important in Florida given the state's exposure to hurricanes, coastal property risks, and other unique hazards that may not fit standard admitted carrier underwriting guidelines.
2What license must a Florida surplus lines agent already hold before obtaining a surplus lines license?
A.A life and health insurance license
B.A General Lines (0220) insurance license
C.A title insurance license
D.A surplus lines license from another state
Explanation: In Florida, an applicant for a surplus lines agent license must hold an active General Lines (0220) insurance license, which covers property, casualty, surety, and marine insurance. This prerequisite ensures that surplus lines agents have foundational knowledge of insurance principles before entering the more specialized surplus lines market.
3What is the Florida Surplus Lines Service Office (FSLSO)?
A.A state government agency that licenses surplus lines agents
B.A stamping office that reviews and processes surplus lines filings in Florida
C.A surplus lines insurance company domiciled in Florida
D.A federal agency that regulates surplus lines nationally
Explanation: The Florida Surplus Lines Service Office (FSLSO) is the state's surplus lines stamping office. It reviews and processes surplus lines filings, collects surplus lines premium taxes and service fees, supports eligibility verification against the eligible-insurer list, and monitors compliance with Florida surplus lines law. All surplus lines transactions in Florida must be filed with the FSLSO.
4What is the Florida surplus lines premium receipts tax rate under F.S. 626.932 for policies effective on or after July 1, 2020?
A.3%
B.4%
C.4.94%
D.6%
Explanation: F.S. 626.932 imposes a premium receipts tax of 4.94 percent of all gross premiums charged for surplus lines insurance (policies effective on or after July 1, 2020). The surplus lines agent collects the tax from the insured and remits it to the Florida Surplus Lines Service Office (FSLSO) with the quarterly filing. The pre-July 1, 2020 rate was 5%.
5What is the format of the Florida surplus lines broker exam?
A.25 scored questions with a 30-minute time limit
B.40 scored questions plus 10 pretest questions with a 1-hour time limit
C.100 scored questions with a 3-hour time limit
D.50 scored questions with a 2-hour time limit
Explanation: The Florida surplus lines exam consists of 40 scored questions plus 10 pretest (unscored) questions for a total of 50 questions, with a 1-hour time limit. A score of 70% on the scored questions is required to pass. The exam is administered by Pearson VUE at testing centers throughout Florida.
6As of July 1, 2025 (Ch. 2025-145 / HB 1549), what replaced Florida's former "diligent effort" requirement for exporting coverage to surplus lines?
A.Written OIR approval before every surplus lines placement
B.A signed insured disclosure acknowledging admitted-market availability, FIGA exclusion, and that surplus lines rates and forms are not Florida-approved
C.Mandatory placement only through Citizens Property Insurance
D.A federal surplus lines permit from the Federal Insurance Office
Explanation: Chapter 2025-145 (HB 1549), effective July 1, 2025, deleted the "diligent effort" definition in F.S. 626.914 and removed the prior three-rejection search requirement from F.S. 626.916. Export eligibility now centers on rate/form conditions and a signed disclosure stating that coverage may be available in the admitted market, that FIGA does not protect surplus lines insureds, and that surplus lines rates and forms are not approved by any Florida regulatory agency. A signed acknowledgment creates a presumption the insured knows other coverage may be available.
7Which Florida statute governs surplus lines insurance?
A.Florida Statutes Chapter 624
B.Florida Statutes Chapter 626, Part VIII
C.Florida Statutes Chapter 627
D.Florida Statutes Chapter 631
Explanation: Surplus lines insurance in Florida is primarily governed by Chapter 626, Part VIII of the Florida Statutes (the Surplus Lines Law). This part covers surplus lines agent licensing, eligibility to export, eligible surplus lines insurer standards, premium tax and service fee obligations, FSLSO operations, and related agent duties. The former diligent-effort search requirement was repealed effective July 1, 2025.
8What is Lloyd's of London's role in the Florida surplus lines market?
A.Lloyd's is the sole surplus lines insurer authorized in Florida
B.Lloyd's syndicates are major participants providing capacity for complex Florida risks
C.Lloyd's is not eligible to write surplus lines in Florida
D.Lloyd's only writes reinsurance in Florida
Explanation: Lloyd's of London syndicates are major participants in the Florida surplus lines market, providing significant capacity for complex and hard-to-place risks including coastal property, professional liability, and specialty coverages. Lloyd's has been an eligible surplus lines insurer in Florida for many years and is one of the largest writers of surplus lines business in the state.
9Are policyholders of surplus lines insurers in Florida protected by the Florida Insurance Guaranty Association (FIGA)?
A.Yes, all insurance policyholders are covered by FIGA
B.No, surplus lines policies are excluded from FIGA protection
C.Only if the surplus lines insurer is domiciled in Florida
D.Only for claims under $300,000
Explanation: Policyholders of surplus lines (non-admitted) insurers are not protected by the Florida Insurance Guaranty Association (FIGA). If a surplus lines insurer becomes insolvent, the policyholder cannot rely on FIGA to pay outstanding claims. This is a critical difference from admitted market coverage and must be disclosed to the insured.
10What is the Nonadmitted and Reinsurance Reform Act (NRRA)?
A.A Florida-specific statute governing surplus lines
B.A federal law that gives the home state of the insured sole authority to regulate surplus lines
C.A NAIC model act for surplus lines regulation
D.A reinsurance contract provision
Explanation: The Nonadmitted and Reinsurance Reform Act (NRRA), enacted as part of the Dodd-Frank Act in 2010, is a federal law establishing that only the home state of the insured has authority to regulate and tax surplus lines transactions. This eliminated the complex multi-state tax allocation previously required for risks spanning multiple states.

About the Florida Surplus Lines Exam

The Florida Surplus Lines Agent exam tests Florida surplus lines law under Chapter 626 Part VIII: eligible insurer standards, service of process, export eligibility and the insured disclosure, FSLSO filing and quarterly affidavits, the 4.94% premium tax and service fee, assessments, records, penalties, trade practices, and licensing of resident, temporary, and nonresident surplus lines agents.

Exam sponsor: Florida Department of Financial Services (Pearson VUE). The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Questions

50 questions

Time Limit

1 hour

Passing Score

70%

Exam / Certification Fees

$44

Exam sponsor website

Reported exam pass rate: Not published. DFS and Pearson VUE do not publish a pass rate for this exam. Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

45%

Florida Laws and Rules, General Administration and Eligibility

Eligible surplus lines insurers, service of process, eligibility to export and policy fees, the FSLSO, cancellation and nonrenewal notices, payment of premiums and claims, liability-claim disclosure, and hurricane deductible and coinsurance notices

45%

Agent Responsibilities

Placement requirements, evidence of insurance and records, FSLSO reporting and independently procured coverage, penalties, the surplus lines tax, service fee and assessments, illegal dealings in premiums, and the Policyholders Bill of Rights

10%

Agent Licensing

Resident, temporary, and nonresident licensing, change of address, fees and renewal, self-appointment, reportable actions, and suspension or revocation

Preparing for the Florida Surplus Lines Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 50 questions
  • Time limit: 1 hour
  • Exam / certification fees: $44 Official sources

Using Our Practice Resources

  • Work through all 139 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

Florida Surplus Lines: Suggested Study Strategy

1Master Florida's 4.94% surplus lines premium tax and practice calculating tax on premium that includes insurer and surplus lines agent fees
2Know the FSLSO's role, the 30-day filing rule, and the 45th-day quarterly affidavit dates (May 15, August 14, November 14, February 14)
3Know the general lines (2-20) prerequisite and the 60-hour course or 1-year experience requirement
4Memorize the eligible insurer numbers: 3 years, $15 million surplus, $5.4 million alien trust fund, and the $50,000 unlisted-insurer deposit
5Learn the insured disclosure that replaced the diligent effort requirement on July 1, 2025
6Know how the EMPA surcharge and Citizens and FHCF emergency assessments are collected on surplus lines policies

Frequently Asked Questions

What are the prerequisites for the Florida surplus lines agent exam?

You must hold an active Florida general lines (2-20) agent license and either complete an approved 60-hour surplus and excess lines course (within 4 years of applying) or document 1 year of experience working for a licensed surplus lines agent, as F.S. 626.927 requires. Military members, veterans, and their spouses are exempt from the coursework. You must then pass the $44 Pearson VUE exam with 70%.

What is the Florida surplus lines premium tax rate?

Florida imposes a 4.94% surplus lines premium tax on gross premiums under F.S. § 626.932 (effective July 1, 2020). The surplus lines agent collects this tax from the insured and remits it to the state through the FSLSO. The pre-July 1, 2020 rate was 5%.

What is the FSLSO and what role does it play?

The Florida Surplus Lines Service Office (FSLSO) is the nonprofit, self-regulating association created by F.S. 626.921 and regulated by OIR. Every licensed surplus lines agent is a member and must file each surplus lines transaction with it, generally within 30 days of the effective date. It collects the surplus lines tax and service fee, reconciles insurer and agent reports, and reports unfiled policies to DFS. OIR, not the FSLSO, makes insurers eligible.

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's hurricane exposure, coastal property values, and large commercial market create demand for coverage that admitted carriers restrict. The surplus lines market supplies that coverage, subject to Florida's Surplus Lines Law, the 4.94% premium tax, and required disclosures that surplus lines insureds are not protected by the Florida Insurance Guaranty Act.