Florida HB 645: Distributed Wastewater Treatment System Permits

Bill Text

CS/HB 645 2026

CODING: Words stricken are deletions; words underlined are additions.
hb645-01-c1
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S

A bill to be entitled 1
An act relating to limited agent licenses; amending s. 2
626.321, F.S.; renaming "portable electronics 3
insurance" as "portable electronics or eyewear 4
insurance" to include eyewear for purposes of 5
insurance coverage and licenses; providing 6
construction; defining the term "eyewear"; revising 7
the definition of the term "portable electronics"; 8
removing the obsolete definition of the term "portable 9
electronics transaction"; amending ss. 626.221, 10
626.732, and 626.8685, F.S.; conforming provisions to 11
changes made by the act; providing an effective date. 12
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Be It Enacted by the Legislature of the State of Florida: 14
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Section 1. Paragraph (h) of subsection (1) and subsection 16
(4) of section 626.321, Florida Statutes, are amended to read: 17
626.321 Limited licenses and registration.— 18
(1) The department shall issue to a qualified applicant a 19
license as agent authorized to transact a limited class of 20
business in any of the following categories of limited lines 21
insurance: 22
(h) Portable electronics or eyewear insurance.—License for 23
property insurance or inland marine insurance that covers only 24
loss, theft, mechanical failure, malfunction, or damage for 25

CS/HB 645 2026

CODING: Words stricken are deletions; words underlined are additions.
hb645-01-c1
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S

portable electronics or eyewear. Such license allows a licensee 26
to sell or offer for sale coverage for both portable electronics 27
and eyewear, but does not require a licensee to sell or offer 28
for sale both types of coverage. 29
1. The license may be issued only to: 30
a. Employees or authorized representatives of a licensed 31
general lines agent; or 32
b. The lead business location of a retail vendor that 33
sells portable electronics or eyewear insurance. The lead 34
business location must have a contractual relationship with a 35
general lines agent. 36
2. Employees or authorized representatives of a licensee 37
under subparagraph 1. may sell or offer for sale portable 38
electronics or eyewear coverage without being subject to 39
licensure as an insurance agent if: 40
a. Such insurance is sold or offered for sale at a 41
licensed location or at one of the licensee's branch locations 42
if the branch location is appointed by the licensed lead 43
business location or its appointing insurers; 44
b. The insurer issuing the insurance directly supervises 45
or appoints a general lines agent to supervise the sale of such 46
insurance, including the development of a training program for 47
the employees and authorized representatives of vendors that are 48
directly engaged in the activity of selling or offering the 49
insurance; and 50

CS/HB 645 2026

CODING: Words stricken are deletions; words underlined are additions.
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S

c. At each location where the insurance is offered, 51
brochures or other written materials that provide the 52
information required by this subparagraph are made available to 53
all prospective customers. The brochures or written materials 54
may include information regarding portable electronics or 55
eyewear insurance, service warranty agreements, or other 56
incidental services or benefits offered by a licensee. 57
3. Individuals not licensed to sell portable electronics 58
or eyewear insurance may not be paid commissions based on the 59
sale of such coverage. However, a licensee who uses a 60
compensation plan for employees and authorized representatives 61
which includes supplemental compensation for the sale of 62
noninsurance products, in addition to a regular salary or hourly 63
wages, may include incidental compensation for the sale of 64
portable electronics or eyewear insurance as a component of the 65
overall compensation plan. 66
4. Brochures or other written materials related to 67
portable electronics or eyewear insurance must: 68
a. Disclose that such insurance may duplicate coverage 69
already provided by a customer's homeowners insurance policy, 70
renters insurance policy, or other source of coverage; 71
b. State that enrollment in insurance coverage is not 72
required in order to purchase or lease portable electronics or 73
eyewear or services; 74
c. Summarize the material terms of the insurance coverage, 75

CS/HB 645 2026

CODING: Words stricken are deletions; words underlined are additions.
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S

including the identity of the insurer, the identity of the 76
supervising entity, the amount of any applicable deductible and 77
how it is to be paid, the benefits of coverage, and key terms 78
and conditions of coverage, such as whether portable electronics 79
or eyew