Free FL Surplus Lines Exam Prep
Florida Examination for Surplus Lines Insurance
Prepare for the FL Surplus Lines exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.
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Florida Surplus Lines Broker License: Complete Roadmap
Follow this path to organize your licensing and exam preparation
Florida Laws, Eligibility & Export (Domain I)You are here
Study F.S. 626.901-626.921: unauthorized insurer prohibitions, eligible insurer standards ($15 million surplus, $5.4 million alien trust), service of process, export conditions, the 2025 insured disclosure rule, and the FSLSO.
Policyholder Protection Rules
Learn the 45, 10, and 20-day cancellation notices, premium and claim payment methods, the 60-day liability coverage disclosure, and 14-point hurricane deductible and co-pay notices.
Agent Responsibilities (Domain II)
Master evidence of insurance, policy stamping, 5-year records, 30-day FSLSO filing, 45th-day quarterly affidavits, late-filing penalties, independently procured coverage, and illegal dealings in premiums.
Tax, Fees & Licensing Practice
Drill 4.94% tax, 0.03% service fee, EMPA surcharge, and 5% IPC tax calculations, then review licensing: 60 hours or 1 year, 48-month reappointment, 4-month temporary licenses, and 90-day nonresident transitions.
Can You Take the FL Surplus Lines Exam?
Check if you meet the basic eligibility requirements
- •Hold an active Florida resident general lines (2-20) agent license
- •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 (coursework waived for military members, veterans, and spouses)
- •Pass the Florida surplus lines exam with 70% (28 of 40 scored questions)
- •Self-appoint as a surplus lines agent ($150) and renew the appointment every 24 months in your birth month
FL Surplus Lines Quick Facts
Time to Get Licensed
2-4 weeks
From start to license in hand
Retake Policy
Failed candidates reapply through Pearson VUE and pay the $44 fee again; no more than 5 attempts at the same exam in any 12-month period (Pearson VUE Florida candidate handbook)
Total Cost Breakdown
Free FL Surplus Lines Prep Tools
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139+ Practice Questions
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What You'll Study
8 chapters covering the exam topics in this guide
Chapter 1: Exam Orientation & the Surplus Lines Framework
2 sections
Chapter 2: Eligible Surplus Lines Insurers & Service of Process
3 sections
Chapter 3: Eligibility to Export & Policy Fees
3 sections
Chapter 4: The FSLSO & Policyholder Protection Rules
4 sections
Chapter 5: Placement Requirements, Required Documents & Records
3 sections
Chapter 6: Reporting, Penalties & Unfair Trade Practices
4 sections
Chapter 7: Surplus Lines Tax, Service Fee & Assessments
4 sections
Chapter 8: Agent Licensing
4 sections
FL Surplus Lines-Specific Topics Covered
FL Surplus Lines Exam Details
Florida Examination for Surplus Lines Insurance
Administered by Florida Department of Financial Services (exam delivered by Pearson VUE)
Exam Content Breakdown
Based on the official Florida Department of Financial Services (exam delivered by Pearson VUE) content outline
F.S. 626.901-626.939: eligible surplus lines insurers, service of process, eligibility to export and policy fees, the FSLSO, notice of cancellation or nonrenewal, payment of premiums and claims, liability-claim disclosure, and hurricane deductible and coinsurance notices
Requirements for placement, contents of evidence and records, reporting and filing (including independently procured coverage), penalties, the surplus lines tax, service fee and assessments, illegal dealings in premiums, and the Policyholders Bill of Rights
Resident, temporary, and nonresident surplus lines licensing; change of address; fees and renewal; self-appointment; reportable administrative and criminal actions; and suspension or revocation under F.S. 626.935
What's Included
8 Chapters
Complete exam coverage
Practice Quizzes
With detailed explanations
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What's Next After the FL Surplus Lines?
After passing the FL Surplus Lines, you can pursue these career paths
Florida Surplus Lines Agent (1-20)
Place property, marine, casualty, and surety risks originated by Florida general lines agents with eligible nonadmitted insurers, handling FSLSO filings, policy stamping, and the 4.94% surplus lines tax.
Florida General Lines Agent (2-20)
The required base license for Florida surplus lines authority; a 2-20 agent can originate surplus lines business and route it to a licensed surplus lines agent under F.S. 626.929.
Florida All-Lines Claims Adjuster (6-20)
Investigate, evaluate, and settle catastrophic hurricane, high-value coastal property, and non-admitted commercial liability claims in Florida.
FL Surplus Lines Exam FAQ
Official Florida Department of Financial Services (exam delivered by Pearson VUE) Resources
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