HB 0625 2003
1	A bill to be entitled
2	An act relating to personal accident insurance agent
3	limited licenses; amending s. 626.321, F.S.; revising
4	criteria for issuing an agent’s license for limited
5	classes of business relating to insurance sales incidental
6	to the rental or lease of motor vehicles; increasing the
7	authorized coverage period; providing an effective date.
8
9	Be It Enacted by the Legislature of the State of Florida:
10
11	Section 1. Paragraphs (c) and (d) of subsection (1) of
12	section 626.321, Florida Statutes, are amended to read:
13	626.321 Limited licenses.--
14	(1) The department shall issue to a qualified individual,
15	or a qualified individual or entity under paragraphs (c), (d),
16	(e), and (i), a license as agent authorized to transact a
17	limited class of business in any of the following categories:
18	(c) Personal accident insurance.--License covering only
19	policies of personal accident insurance covering the risks of
20	travel, except as provided in subparagraph 2. The license may be
21	issued only:
22	1. To a full-time salaried employee of a common carrier or
23	a full-time salaried employee or owner of a transportation
24	ticket agency and may authorize the sale of such ticket policies
25	only in connection with the sale of transportation tickets, or
26	to the full-time salaried employee of such an agent. No such
27	policy shall be for a duration of more than 48 hours or for the
28	duration of a specified one-way trip or round trip.
29	2. To a full-time salaried employee of a business which
30	offers motor vehicles for rent or lease, or to a business office
31	of a business entitywhich offers motor vehicles for rent or
32	lease if insurance sales activities authorized by the license
33	are in connection with and incidental to the rental of a motor
34	vehiclelimited to full-time salaried employees. A business
35	entityoffice licensed or a person licensed pursuant to this
36	subparagraphmay, as an agent of an insurer, transact insurance
37	that provides coverage for accidental personal injury or death
38	of the lessee and any passenger who is riding or driving with
39	the covered lessee in the rental motor vehicle if the lease or
40	rental agreement is for not more than 9030days, or if the
41	lessee is not provided coverage for more than 9030consecutive
42	days per lease period; however, if the lease is extended beyond
43	9030days, the coverage may be extended one time only for a
44	period not to exceed an additional 30 days.
45	(d) Baggage and motor vehicle excess liability
46	insurance.--
47	1. License covering only insurance of personal effects
48	except as provided in subparagraph 2. The license may be issued
49	only:
50	a. To a full-time salaried employee of a common carrier or
51	a full-time salaried employee or owner of a transportation
52	ticket agency, which person is engaged in the sale or handling
53	of transportation of baggage and personal effects of travelers,
54	and may authorize the sale of such insurance only in connection
55	with such transportation; or
56	b. To the full-time salaried employee of a licensed
57	general lines agent, a full-time salaried employee of a business
58	which offers motor vehicles for rent or lease, or to a business
59	office of a business entitywhich offers motor vehicles for rent
60	or lease if insurance sales activities authorized by the license
61	are in connection with and incidental to the rental of a motor
62	vehiclelimited to full-time salaried employees.
63
64	The business entity offeringpurchaser of baggageinsurance
65	shall make availablebe provided written information disclosing
66	that statesthe insured's homeowner's policy may provide
67	coverage for loss of personal effects and that the purchase of
68	such insurance is not required in connection with the purchase
69	of tickets or in connection with the lease or rental of a motor
70	vehicle.
71	2. A business entityoffice licensed pursuant to
72	subparagraph 1., or a person licensed pursuant to subparagraph
73	1. who is a full-time salaried employee of a businesswhich
74	offers motor vehicles for rent or lease, may include lessees
75	under a master contract providing coverage to the lessor or may
76	transact excess motor vehicle liability insurance providing
77	coverage in excess of the standard liability limits provided by
78	the lessor in its lease to a person renting or leasing a motor
79	vehicle from the licensee's employer for liability arising in
80	connection with the negligent operation of the leased or rented
81	motor vehicle, provided that the lease or rental agreement is
82	for not more than 9030days; that the lessee is not provided
83	coverage for more than 9030consecutive days per lease period,
84	and, if the lease is extended beyond 9030days, the coverage
85	may be extended one time only for a period not to exceed an
86	additional 30 days; that the business entity offering insurance
87	makes available information that states the lessee’slessee is
88	given written notice that his or herpersonal insurance policy
89	providing coverage on an owned motor vehicle may provide
90	additional excess coverage; and that the purchase of the
91	insurance is not required in connection with the lease or rental
92	of a motor vehicle. The excess liability insurance may be
93	provided to the lessee as an additional insured on a policy
94	issued to the licensee's employer.
95	3. A business entityoffice licensed pursuant to
96	subparagraph 1., or a person licensed pursuant to subparagraph
97	1. who is a full-time salaried employee of a businesswhich
98	offers motor vehicles for rent or lease, may, as an agent of an
99	insurer, transact insurance that provides coverage for the
100	liability of the lessee to the lessor for damage to the leased
101	or rented motor vehicle if:
102	a. The lease or rental agreement is for not more than 90
103	30 days; or the lessee is not provided coverage for more than 90
104	30consecutive days per lease period, but, if the lease is
105	extended beyond 9030days, the coverage may be extended one
106	time only for a period not to exceed an additional 30 days;
107	b. The business entity makes available information that
108	states that:
109	(I) The lessee’slessee is given written notice that his
110	or herpersonal insurance policy that provides coverage on an
111	owned motor vehicle may provide such coverage with or without a
112	deductible; and
113	(II)c.The purchase of the insurance is not required in
114	connection with the lease or rental of a motor vehicle.
115	Section 2. This act shall take effect upon becoming a law.