Florida 2026 Session Status: Passed House 1 R cosponsors

HB 645 — CS/HB 645: Limited Agent Licenses

Last action — Laid on Table; Companion bill(s) passed, see CS/SB 772 (Ch. 2026-97)

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  1. ✓
    Introduced
  2. ✓
    In Committee
  3. 3
    Passed House
  4. 4
    Passed Senate
  5. 5
    To Executive
  6. 6
    Enacted

This bill has passed the House. Introduced December 03, 2025. It now moves to the second chamber.

Next likely step: consideration and a floor vote in the Senate.

Prognosis

Advancing 50% · moderate confidence

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

  • Passed House

    Current position in the legislative process.

  • 2 sponsors

    1 primary, 1 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (1 R).

  • Cleared a recorded vote

    Passed 2 recorded votes so far.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Summary

Limited Agent Licenses; Renames "portable electronics insurance" as "portable electronics or eyewear insurance" to include eyewear for purposes of insurance coverage & licenses.

Bill Text

What changed in the latest version

262 added · 250 removed

Plain-language change summary

In the updated version of Bill HB 645, the definition of insurance coverage has changed slightly by separating "portable electronics" from "eyewear" in the language, allowing for more explicit coverage of each category. This change matters because it clarifies the types of products that can be insured, potentially improving consumer understanding of what their policies cover. Additionally, an outdated definition of "portable electronics transaction" has been removed, which helps streamline the legislation and ensures it reflects current practices.

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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 HB 645 2026 A bill to be entitled An act relating to limited agent licenses;
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 CS/HB 645 2026 A bill to be entitled An act relating to limited agent licenses;
renaming "portable electronics insurance" as "portable electronics and eyewear insurance" to include eyewear for purposes of insurance coverages and licenses;
renaming "portable electronics insurance" as "portable electronics or eyewear insurance" to include eyewear for purposes of insurance coverage and licenses;
providing construction;
revising the definition of the term "portable electronics";
(h) Portable electronics and eyewear insurance.—License for property insurance or inland marine insurance that covers only loss, theft, mechanical failure, malfunction, or damage for portable electronics and eyewear.
(h) Portable electronics or eyewear insurance.—License for property insurance or inland marine insurance that covers only loss, theft, mechanical failure, malfunction, or damage for Page 1 of 10 CODING:
Page 1 of 10 CODING:
hb645-00 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 HB 645 2026 1.
hb645-01-c1 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 CS/HB 645 2026 portable electronics or eyewear.
Such license allows a licensee to sell or offer for sale coverage for both portable electronics and eyewear, but does not require a licensee to sell or offer for sale both types of coverage.
1.
The lead business location of a retail vendor that sells portable electronics and eyewear insurance.
The lead business location of a retail vendor that sells portable electronics or eyewear insurance.
may sell or offer for sale portable electronics and eyewear coverage without being subject to licensure as an insurance agent if:
may sell or offer for sale portable electronics or eyewear coverage without being subject to licensure as an insurance agent if:
and c.
and Page 2 of 10 CODING:
At each location where the insurance is offered, brochures or other written materials that provide the information required by this subparagraph are made available to all prospective customers.
The brochures or written materials Page 2 of 10 CODING:
hb645-00 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 HB 645 2026 may include information regarding portable electronics and eyewear insurance, service warranty agreements, or other incidental services or benefits offered by a licensee.
hb645-01-c1 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 CS/HB 645 2026 c.
At each location where the insurance is offered, brochures or other written materials that provide the information required by this subparagraph are made available to all prospective customers.
The brochures or written materials may include information regarding portable electronics or eyewear insurance, service warranty agreements, or other incidental services or benefits offered by a licensee.
Individuals not licensed to sell portable electronics and eyewear insurance may not be paid commissions based on the sale of such coverage.
Individuals not licensed to sell portable electronics or eyewear insurance may not be paid commissions based on the sale of such coverage.
However, a licensee who uses a compensation plan for employees and authorized representatives which includes supplemental compensation for the sale of noninsurance products, in addition to a regular salary or hourly wages, may include incidental compensation for the sale of portable electronics and eyewear insurance as a component of the overall compensation plan.
However, a licensee who uses a compensation plan for employees and authorized representatives which includes supplemental compensation for the sale of noninsurance products, in addition to a regular salary or hourly wages, may include incidental compensation for the sale of portable electronics or eyewear insurance as a component of the overall compensation plan.
Brochures or other written materials related to portable electronics and eyewear insurance must:
Brochures or other written materials related to portable electronics or eyewear insurance must:
State that enrollment in insurance coverage is not required in order to purchase or lease portable electronics and eyewear or services;
State that enrollment in insurance coverage is not required in order to purchase or lease portable electronics or eyewear or services;
Summarize the material terms of the insurance coverage, including the identity of the insurer, the identity of the supervising entity, the amount of any applicable deductible and how it is to be paid, the benefits of coverage, and key terms and conditions of coverage, such as whether portable electronics Page 3 of 10 CODING:
Summarize the material terms of the insurance coverage, Page 3 of 10 CODING:
hb645-00 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 HB 645 2026 and eyewear may be repaired or replaced with similar make and model reconditioned or nonoriginal manufacturer parts or equipment;
hb645-01-c1 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 CS/HB 645 2026 including the identity of the insurer, the identity of the supervising entity, the amount of any applicable deductible and how it is to be paid, the benefits of coverage, and key terms and conditions of coverage, such as whether portable electronics or eyewear may be repaired or replaced with similar make and model reconditioned or nonoriginal manufacturer parts or equipment;
Summarize the process for filing a claim, including a description of how to return portable electronics and eyewear and the maximum fee applicable if the customer fails to comply with equipment return requirements;
Summarize the process for filing a claim, including a description of how to return portable electronics or eyewear and the maximum fee applicable if the customer fails to comply with equipment return requirements;
A licensed and appointed general lines agent is not required to obtain a portable electronics and eyewear insurance license to offer or sell portable electronics and eyewear insurance at locations already licensed as an insurance agency, but may apply for a portable electronics and eyewear insurance license for branch locations not otherwise licensed to sell insurance.
A licensed and appointed general lines agent is not required to obtain a portable electronics and eyewear insurance license to offer or sell portable electronics or eyewear insurance at locations already licensed as an insurance agency, but may apply for a portable electronics and eyewear insurance license for branch locations not otherwise licensed to sell insurance.
A portable electronics and eyewear license authorizes the sale of individual policies or certificates under a group or master insurance policy.
A portable electronics and eyewear insurance license authorizes the sale of individual policies or certificates under a group or master insurance policy.
The license also authorizes the sale of service warranty agreements covering only portable electronics and eyewear to the same extent as if licensed under s.
The license also authorizes the sale of service warranty agreements covering only portable Page 4 of 10 CODING:
Words stricken are deletions;
words underlined are additions.
hb645-01-c1 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 CS/HB 645 2026 electronics or eyewear to the same extent as if licensed under s.
A licensee may bill and collect the premium for the purchase of portable electronics and eyewear insurance provided Page 4 of 10 CODING:
A licensee may bill and collect the premium for the purchase of portable electronics or eyewear insurance provided that:
Words stricken are deletions;
words underlined are additions.
hb645-00 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 HB 645 2026 that:
Notwithstanding any other provision of law, the terms for the termination or modification of coverage under a policy of portable electronics and eyewear insurance are those set forth in the policy.
Notwithstanding any other provision of law, the terms Page 5 of 10 CODING:
9.
Notice or correspondence required by the policy, or Page 5 of 10 CODING:
hb645-00 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 HB 645 2026 otherwise required by law, may be provided by electronic means if the insurer or licensee maintains proof that the notice or correspondence was sent.
hb645-01-c1 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 CS/HB 645 2026 for the termination or modification of coverage under a policy of portable electronics or eyewear insurance are those set forth in the policy.
9.
Notice or correspondence required by the policy, or otherwise required by law, may be provided by electronic means if the insurer or licensee maintains proof that the notice or correspondence was sent.
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A branch location that sells portable electronics and eyewear insurance may, in lieu of obtaining an appointment from an insurer or warranty association, obtain a single appointment from the associated lead business location licensee and pay the prescribed appointment fee under s.
A branch location that sells portable electronics or eyewear insurance may, in lieu of obtaining an appointment from an insurer or warranty association, obtain a single appointment from the associated lead business location licensee and pay the prescribed appointment fee under s.
624.501 if the lead business location has a single appointment from each insurer or warranty association represented and such appointment applies to the lead business location and all of its branch locations.
624.501 if the lead business location has a single appointment from each insurer or warranty association represented and such appointment applies to the lead Page 6 of 10 CODING:
Branch location appointments shall be renewed 24 months after the initial appointment date of the lead business location and every 24 months thereafter.
Notwithstanding s.
624.501, the renewal Page 6 of 10 CODING:
hb645-00 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 HB 645 2026 fee applicable to such branch location appointments is $30 per appointment.
hb645-01-c1 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 CS/HB 645 2026 business location and all of its branch locations.
Branch location appointments shall be renewed 24 months after the initial appointment date of the lead business location and every 24 months thereafter.
Notwithstanding s.
624.501, the renewal fee applicable to such branch location appointments is $30 per appointment.
"Portable electronics" means personal, self- contained, easily carried by an individual, battery-operated electronic communication, viewing, listening, recording, gaming, computing or global positioning devices, including cell or satellite phones, pagers, personal global positioning satellite units, portable computers, portable audio listening, video viewing or recording devices, digital cameras, video camcorders, portable gaming systems, docking stations, automatic answering devices, and other similar devices and their accessories, and service related to the use of such devices.
"Portable electronics" means equipment that is personal, self-contained, and easily carried by an individual;
c.
has electrical, digital, magnetic, wireless, electromagnetic, or similar capabilities;
"Portable electronics transaction" means the sale or lease of portable electronics or a related service, including portable electronics insurance.
and operates using batteries, rechargeable power sources, or other energy sources.
(4) Except as otherwise expressly provided, a person applying for or holding a limited license is subject to the same Page 7 of 10 CODING:
The term includes equipment used for communication, data processing, viewing, listening, recording, gaming, computing, navigation, household, health or activity monitoring, or similar uses and may also incorporate features responsive to user input or environmental conditions, battery-operated electronic communication, viewing, listening, recording, gaming, computing or global positioning Page 7 of 10 CODING:
hb645-00 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 HB 645 2026 applicable requirements and responsibilities that apply to general lines agents in general if licensed as to motor vehicle physical damage and mechanical breakdown insurance, industrial fire insurance or burglary insurance, motor vehicle rental insurance, credit insurance, crop hail and multiple-peril crop insurance, in-transit and storage personal property insurance, or portable electronics and eyewear insurance;
hb645-01-c1 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 CS/HB 645 2026 devices, including cell or satellite phones, pagers, personal global positioning satellite units, portable computers, portable audio listening, video viewing or recording devices, digital cameras, video camcorders, portable gaming systems, docking stations, automatic answering devices, and other similar devices and their accessories, and service related to the use of such devices.
c.
"Portable electronics transaction" means the sale or lease of portable electronics or a related service, including portable electronics insurance.
(4) Except as otherwise expressly provided, a person applying for or holding a limited license is subject to the same applicable requirements and responsibilities that apply to general lines agents in general if licensed as to motor vehicle physical damage and mechanical breakdown insurance, industrial fire insurance or burglary insurance, motor vehicle rental insurance, credit insurance, crop hail and multiple-peril crop insurance, in-transit and storage personal property insurance, or portable electronics or eyewear insurance;
exemptions.— (2) However, an examination is not necessary for any of the following:
exemptions.— (2) However, an examination is not necessary for any of Page 8 of 10 CODING:
(b) An applicant for a limited license as agent for travel insurance, motor vehicle rental insurance, credit insurance, in- transit and storage personal property insurance, or portable electronics and eyewear insurance under s.
Words stricken are deletions;
words underlined are additions.
hb645-01-c1 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 CS/HB 645 2026 the following:
(b) An applicant for a limited license as agent for travel insurance, motor vehicle rental insurance, credit insurance, in- transit and storage personal property insurance, or portable electronics or eyewear insurance under s.
626.732 Requirement as to knowledge, experience, or instruction.— (7) This section does not apply to an individual holding only a limited license for travel insurance, motor vehicle rental insurance, credit insurance, in-transit and storage Page 8 of 10 CODING:
626.732 Requirement as to knowledge, experience, or instruction.— (7) This section does not apply to an individual holding only a limited license for travel insurance, motor vehicle rental insurance, credit insurance, in-transit and storage personal property insurance, or portable electronics or eyewear insurance.
Words stricken are deletions;
words underlined are additions.
hb645-00 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 HB 645 2026 personal property insurance, or portable electronics and eyewear insurance.
626.8685 Portable electronics and eyewear insurance claims;
626.8685 Portable electronics or eyewear insurance claims;
licensure restriction.— (1) This part does not apply to any individual who collects claims information from, or furnishes claims information to, insureds or claimants, and who conducts data entry, including entering data into an automated claims adjudication system, provided that the individual is an employee of a business entity licensed under this chapter, or its affiliate, and no more than 25 such persons are under the supervision of one licensed independent adjuster or licensed agent who is exempt from licensure pursuant to s.
licensure restriction.— (1) This part does not apply to any individual who collects claims information from, or furnishes claims information to, insureds or claimants, and who conducts data entry, including entering data into an automated claims adjudication system, provided that the individual is an employee of a business entity licensed under this chapter, or its affiliate, and no more than 25 such persons are under the Page 9 of 10 CODING:
Words stricken are deletions;
words underlined are additions.
hb645-01-c1 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 CS/HB 645 2026 supervision of one licensed independent adjuster or licensed agent who is exempt from licensure pursuant to s.
For purposes of this subsection, the term "automated claims adjudication system" means a preprogrammed computer system designed for the collection, data entry, calculation, and final resolution of portable electronics and eyewear insurance claims that:
For purposes of this subsection, the term "automated claims adjudication system" means a preprogrammed computer system designed for the collection, data entry, calculation, and final resolution of portable electronics or eyewear insurance claims that:
and Page 9 of 10 CODING:
and (c) Must be certified as compliant with this subsection by a licensed independent adjuster that is an officer of a licensed business entity under this chapter.
Words stricken are deletions;
(2) Notwithstanding any other provision of law, a resident of Canada may not be licensed as a nonresident independent adjuster for purposes of adjusting portable electronics insurance or eyewear claims unless the person has successfully obtained an adjuster's license in another state.
words underlined are additions.
hb645-00 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 HB 645 2026 (c) Must be certified as compliant with this subsection by a licensed independent adjuster that is an officer of a licensed business entity under this chapter.
(2) Notwithstanding any other provision of law, a resident of Canada may not be licensed as a nonresident independent adjuster for purposes of adjusting portable electronics insurance and eyewear claims unless the person has successfully obtained an adjuster's license in another state.
hb645-00
hb645-01-c1
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How this bill changes current law

4 changes Share ↗

AI-generated reading aid from the bill's amendatory text — verify against the official bill.

The bill amends existing law to include eyewear in the definition and licensing of portable electronics insurance.

  • 626.321

    Portable electronics insurance. → Portable electronics or eyewear insurance.

    The term for the insurance license is expanded to cover eyewear.

  • 626.321

    The term "portable electronics transaction" means the sale or lease of portable electronics or a related service, including portable electronics insurance.

    The obsolete definition of 'portable electronics transaction' is removed.

  • 626.321

    Eyewear means smart glasses and nonelectronic eyewear. As used in this sub-subparagraph, the term "nonelectronic eyewear" includes prescription and nonprescription eyeglasses and sunglasses.

    A definition for 'eyewear' is added to the statute.

  • 626.321

    The term 'portable electronics' includes equipment used for communication, data processing, viewing, listening, recording, gaming, computing, navigation, household, health or activity monitoring, or similar uses and may also incorporate features responsive to user input or environmental conditions.

    The definition of 'portable electronics' is revised to be more comprehensive.

Action History

  1. Laid on Table; Companion bill(s) passed, see CS/SB 772 (Ch. 2026-97)

  2. Added to Second Reading Calendar

  3. Bill referred to House Calendar

  4. 1st Reading (Committee Substitute 1)

  5. CS Filed

  6. Laid on Table under Rule 7.18(a)

  7. Reported out of Commerce Committee

  8. Favorable with CS by Commerce Committee

  9. Added to Commerce Committee agenda

  10. Now in Commerce Committee

  11. Reported out of Insurance & Banking Subcommittee

  12. Favorable by Insurance & Banking Subcommittee

  13. 1st Reading (Original Filed Version)

  14. Added to Insurance & Banking Subcommittee agenda

  15. Now in Insurance & Banking Subcommittee

  16. Referred to Commerce Committee

  17. Referred to Insurance & Banking Subcommittee

  18. Filed

Sponsors

  • Commerce Committee · Primary
  • David Smith · Cosponsor

Sponsorship breakdown

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1 sponsors · 1 co-sponsors · 162 not signed on

Sponsors (1)

  • Commerce Committee

Co-sponsors (1)

Not signed on (162)

162 members have not signed on to this bill.

Show all 162 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

Subjects

health-insurance technology
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Frequently asked questions

What does HB 645 do?
Limited Agent Licenses; Renames "portable electronics insurance" as "portable electronics or eyewear insurance" to include eyewear for purposes of insurance coverage & licenses.
Who sponsors HB 645?
HB 645 is sponsored by Commerce Committee and Smith, David (Republican).
What is the current status of HB 645?
This bill has passed the House. Introduced December 03, 2025. It now moves to the second chamber.
Where can I track HB 645?
Track HB 645 free on One Click Politics — get push/email alerts when it moves.

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