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100+ Free Florida Surplus Lines Practice Questions

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What trust fund requirements apply to alien surplus lines insurers writing business in Florida?

A
B
C
D
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Free Surplus Lines Insurance Practice Test by State 2026: 2,300+ Questions22 min read
2026 Statistics

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.

Sample Florida Surplus Lines Practice Questions

Try these sample questions to test your Florida Surplus Lines exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ 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, verifies insurer eligibility, and ensures 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 tax rate?
A.3%
B.4%
C.5%
D.6%
Explanation: Florida imposes a 5% surplus lines premium tax on surplus lines placements. This tax is collected by the surplus lines agent and remitted to the state through the FSLSO. The 5% rate is one of the higher surplus lines tax rates in the country, reflecting the significant volume of surplus lines business written in Florida.
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.
6Under Florida law, what must a surplus lines agent do before placing coverage with a non-admitted insurer?
A.Obtain written approval from the Florida Office of Insurance Regulation
B.Conduct a diligent effort to place the coverage with admitted insurers
C.File the policy form with the FSLSO for approval
D.Obtain three written declinations from admitted carriers
Explanation: Florida law requires surplus lines agents to make a diligent effort to place the insurance in the admitted market before placing it with a non-admitted insurer. This requirement ensures that the surplus lines market is used as intended — only when the standard market cannot provide the coverage the insured needs.
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. This section covers surplus lines agent licensing, diligent search requirements, eligible surplus lines insurer standards, premium tax obligations, and the role of the FSLSO.
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 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

30%

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

25%

Florida Surplus Lines Law

Chapter 626 Part VIII, OIR authority, FSLSO role, General Lines (0220) prerequisite, agent obligations, Citizens relationship, and enforcement

20%

Diligent Search & Eligibility

Diligent search requirements, documentation, declinations, eligible insurer lists, NAIC IID Quarterly Listing, financial requirements, and export list

25%

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

1Master Florida's 5% surplus lines premium tax rate and practice calculating tax on different premium amounts
2Understand the FSLSO's role in filing, tax collection, and compliance monitoring
3Know the General Lines (0220) license prerequisite and how it relates to surplus lines eligibility
4Study how Florida's hurricane exposure drives surplus lines demand for coastal property coverage
5Learn the diligent search documentation requirements and FSLSO filing timelines
6Review the relationship between Citizens Property Insurance and the surplus lines market

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.