FloridaSB 7722026Senate

Limited Licenses for Portable Electronics or Eyewear Insurance

Sponsored By: Danny Burgess (Republican)

Signed by Governor

AppropriationBanking and InsuranceAppropriations Committee on Agriculture, Environment, and General GovernmentRulesHouse Calendar

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 0 benefits, 0 costs, 2 mixed.

Broader device insurance with clearer sales rules

Beginning July 1, 2026, Florida expands limited insurance licenses to eyewear, including smart glasses and nonelectronic glasses. One license can cover portable electronics, eyewear, or both; separate licenses are not required. Portable electronics include personal, self-contained, easily carried equipment using electrical or similar technology and an energy source. Uses include communication, computing, viewing, listening, recording, gaming, navigation, household tasks, and health or activity monitoring. Policies define covered items and can cover loss, theft, mechanical failure, malfunction, or damage. License holders can sell individual coverage under group or master policies and service warranties within existing legal limits. Licenses are available to a general-lines agent’s employees or authorized representatives, or a qualifying retailer’s lead location. That retailer must have a contract with a general-lines agent. Retail staff can sell without individual agent licenses at appointed, licensed locations, with required supervision, training, and written materials. Limited-license applicants are exempt from the general licensing exam, full-agent instruction requirements, and fingerprinting. Lead locations manage appointments for physical branches, with a $30 renewal fee per branch appointment every 24 months. Sales materials must identify the insurer and supervisor and explain deductibles, benefits, terms, repairs, parts, claims, cancellation, and unused-premium refunds. They must also explain that insurance is optional and may duplicate homeowners or renters coverage. Premiums outside the purchase price must be separately itemized, and collected premiums are held in trust for the insurer. Policy terms govern changes, termination, cancellation, and refunds, subject to insurance-code protections. Electronic notices require proof of transmission, and insurers or supervisors must provide required updates and oversee compliance.

Eyewear claims staff gain supervised licensing exemptions

Beginning July 1, 2026, Florida extends portable-electronics claims rules to eyewear insurance. Qualifying claims-information and data-entry employees can work without adjuster licenses for an insurance-code-licensed business or its affiliate. One licensed independent adjuster or qualifying licensed agent can supervise no more than 25 such workers. Automated claims systems are restricted to licensed independent adjusters, licensed agents, and qualifying supervised workers. Systems must follow claims-payment rules and receive compliance certification from a licensed independent adjuster who is a licensed business’s officer. Canadian residents must first obtain an adjuster’s license in another U.S. state to qualify for the nonresident independent-adjuster license covering these claims.

Sponsors & Cosponsors

Sponsor

Danny Burgess
Republican • Senate

Cosponsors

Banking and Insurance
Affiliation unavailable

Roll Call Votes

All Roll Calls

Yes: 192 • No: 0

House vote • 3/10/2026

House Floor Vote

Yes: 113 • No: 0

Senate vote • 2/26/2026

Senate Floor Vote

Yes: 36 • No: 0

Senate vote • 2/24/2026

Rules Vote

Yes: 23 • No: 0

Senate vote • 2/12/2026

Appropriations Committee on Agriculture, Environment, and General Government Vote

Yes: 10 • No: 0

Senate vote • 1/28/2026

Banking and Insurance Vote