Florida compliance
Florida insurance fraud training
Florida requires every admitted insurer to give its anti-fraud investigative unit staff at least two hours of initial anti-fraud training, then a one-hour course every year, and to describe that training in the anti-fraud plan filed with the Department of Financial Services.
The requirement
What Florida requires
Under Fla. Stat. 626.9891(4), staff of the anti-fraud investigative unit must receive at least two hours of initial training designed to help identify and evaluate instances of suspected fraudulent insurance acts in underwriting or claims activities. After that, the insurer must provide a one-hour course every year on the detection, referral, investigation and reporting of possible fraudulent insurance acts for the lines of insurance it writes.
The anti-fraud investigative unit can be a distinct unit, a contracted unit, or claims employees whose main work is investigating claims and who are assigned fraud investigations. The anti-fraud plan must acknowledge that the insurer provides the required training and describe it. A newly authorized insurer has six months to set up the unit and plan, and one more year to meet the training requirement.
Insurers file the plan and unit description with the DFS Division of Criminal Investigations, designate a responsible employee, and file annual statistical data by March 1. Fines for noncompliance can reach $2,000 per day.
- Initial training of at least 2 hours for anti-fraud unit staff
- A 1-hour course every year on detection, referral, investigation and reporting
- Training described in the anti-fraud plan filed with DFS
- Annual statistical data due March 1
Sources, checked October 2026
How NATG helps
Meet the Florida mandate with one program
- Annual and new-hire anti-fraud courses in versions for each line of business and department
- Online, or instructor-led at your location
- Completion records, certificates and reports for your fraud plan and examiners
- One program for every state you write in, tracked in one place
NATG specializes in insurance fraud and investigations. Our compliance courses are built around the detection, referral and reporting duties in state fraud plans.
Questions
Florida anti-fraud training questions
How many hours of fraud training does Florida require?
At least two hours of initial anti-fraud training for anti-fraud investigative unit staff, then a one-hour course every year, under Fla. Stat. 626.9891(4).
Who must be trained in Florida?
Staff of the insurer's anti-fraud investigative unit, which can include claims employees assigned to fraud investigations. The plan must describe the training.
What must the Florida annual course cover?
Detection, referral, investigation and reporting of possible fraudulent insurance acts for the lines of insurance the insurer writes.
Can NATG courses be used in Florida?
Yes. NATG offers two-hour initial and one-hour annual courses by line of business, with completion records you can describe in your DFS anti-fraud plan.
Other states
Anti-fraud training requirements in other states
- Arkansas
- California
- Colorado
- Connecticut
- District of Columbia
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Minnesota
- New Hampshire
- New Jersey
- New Mexico
- New York
- Ohio
- Pennsylvania
- Tennessee
- Utah
- Vermont
- Washington
This page is a guide to help you comply with state law. It is not legal advice; confirm the current requirement with your counsel or the state insurance department.
Train your Florida staff
Tell us your lines and states and we will set up the right program.