How to check an insurance agent's license in Florida

How to check

1. Open Licensee Search, the Florida Department of Financial Services's own search.
2. Search by the agent's name, or by their national producer number (NPN) or Florida license number if you have it. The NPN is the steadier search: names repeat, and a producer has one NPN in every state.
3. Open the record and read the license type and its lines of authority, whether it is active, the expiration date, and the name on the record.
4. Compare it with what the agent told you: the same name, the same NPN, and a line of authority that covers the kind of insurance you asked about.

What the record shows

A producer record in any state is built from the same parts, though each department decides how much of it to publish:

• The license type and its lines of authority, such as property, casualty, life or personal lines.
• Whether the license is active, and the dates it was issued and expires.
• The insurers the agent is appointed with, where the department publishes appointments.
• Disciplinary actions, where the department publishes them.

In Florida the license record is kept by the Department of Financial Services. Its Licensee Search at licenseesearch.fldfs.com finds individuals and agencies by name, Florida license number or NPN, and can narrow the list by license category, valid or invalid status, county, continuing education due date and appointment. The department calls the data relatively real-time, and it also publishes bulk CSV files of all valid licenses, all licenses requiring continuing education and all active appointments. Insurance companies are looked up separately, in the Insurer Search on floir.com, which the Licensee Search links to.

Florida agent licenses do not renew on a fixed cycle. The department says agent and adjuster licenses are perpetual as long as the licensee is properly appointed, and that a license expires if it goes 48 months without an appointment. The appointment is what carries the dates: an insurer or other appointing entity files it through eAppoint and renews it every 24 months in the appointee's birth month. So the appointment section of a record, and whether each appointment shows as active, says more about whether someone can sell today than the license issue date does. Continuing education feeds into this too, because compliance is a condition of issuing or renewing an appointment.

Property and casualty licenses in Florida carry class numbers. The 2-20 General Lines license (9-20 for nonresidents) covers property, casualty, surety, marine, health and miscellaneous lines. The 20-44 Personal Lines license (90-44 for nonresidents) is limited to property and casualty insurance sold to individuals and families for noncommercial purposes. A Florida nonresident license is only valid for the lines the agent holds in the home state. Disciplinary orders are not yet shown inside each record: the Licensee Search links final orders separately, with orders issued on or before July 1, 2015 in one archive and later orders in another.

What we checked for Florida

Department

Florida Department of Financial Services (DFS)Source: licenseesearch.fldfs.com, checked 2026-09-22

Official search

Licensee Search, on licenseesearch.fldfs.comSource: licenseesearch.fldfs.com, checked 2026-09-26

Help line

1-877-693-5236 (1-877-MY-FL-CFO)Source: myfloridacfo.com, checked 2026-09-26

What the search filters on

Name, email, agency or firm name, resident status, Florida license number, NPN, license status (valid or invalid), license category, issue date, location, continuing education due date, and appointing entity, appointment category and appointment status (active or inactive)Source: licenseesearch.fldfs.com, checked 2026-09-26

How current the search is

The department describes the Licensee Search data as relatively real-timeSource: myfloridacfo.com (Licensee Search FAQs), checked 2026-09-26

Discipline on the record

Not yet shown inside each licensee's record; the search links final orders separately (orders on or before July 1, 2015 at finalorders.fldfs.com, later orders at doah.state.fl.us)Source: myfloridacfo.com (Licensee Search FAQs), checked 2026-09-26

Bulk download files

CSV files including All Valid Licenses - Individual, All Valid Licenses - Business, All Licenses Requiring CE, and All Active Appointments (individual, business and county)Source: licenseesearch.fldfs.com/BulkDownload, checked 2026-09-26

Licenses that sell property and casualty

2-20 Resident General Lines (Property, Casualty, Surety, Marine, Health and Miscellaneous Lines), 9-20 for nonresidents; 20-44 Resident Personal Lines, 90-44 for nonresidentsSource: myfloridacfo.com (licensing FAQs), checked 2026-09-26

Personal lines limit

A 20-44 Personal Lines agent is limited to property and casualty insurance sold to individuals and families for noncommercial purposesSource: myfloridacfo.com (20-44 license qualification sheet), checked 2026-09-26

Renewal

Agent licenses are perpetual while the licensee is properly appointed; a license expires after 48 months without an appointmentSource: myfloridacfo.com (licensing FAQs), checked 2026-09-26

Appointment required

Every license except an insurance agency license needs an appointment (s. 626.112, F.S.)Source: myfloridacfo.com, checked 2026-09-26

Appointment renewal

Appointments are filed online through eAppoint and renewed every 24 months in the appointee's birth monthSource: myfloridacfo.com (licensing FAQs), checked 2026-09-26

Continuing education: update course

A 4-hour update course specific to the license, every 2 yearsSource: flsenate.gov (s. 626.2815, F.S., 2026), checked 2026-09-26

Continuing education: elective hours

20 elective hours every 2 years; 16 once licensed 6 or more yearsSource: flsenate.gov (s. 626.2815, F.S., 2026), checked 2026-09-26

Continuing education and appointments

CE compliance is a condition of issuing, continuing or renewing an appointmentSource: flsenate.gov (s. 626.2815, F.S., 2026), checked 2026-09-26

Nonresident licenses

A Florida nonresident license covers only the lines of authority held in the home stateSource: myfloridacfo.com (9-20 license qualification sheet), checked 2026-09-26

Nonresident continuing education

Home-state CE can satisfy Florida's if the home state recognizes reciprocitySource: flsenate.gov (s. 626.2815(6), F.S., 2026), checked 2026-09-26

Nonresident county appointments

Needed only when a nonresident physically comes to Florida to do businessSource: myfloridacfo.com (licensing FAQs), checked 2026-09-26

Complaints

Online through the Division of Consumer Services' Consumer Assistance Portal, which also takes concerns about agents and agenciesSource: myfloridacfo.com (Division of Consumer Services), checked 2026-09-26

Questions

Other ways to check

• The National Insurance Producer Registry (NIPR) assigns the NPN. Ask the agent for theirs; any licensed producer has one.
• For an agent licensed in several states, check each state on its own department's search. The fifty-state list has every department.

Lookup link last checked 2026-10-12; the department's entry in our list was confirmed on 2026-09-22.