FL Insurance Orders & Memoranda

Direct Acquisition of Bonita Springs Retirement Village Approved

The Florida Office of Insurance Regulation issued Consent Order OIR 2026-29 approving the direct acquisition of Bonita Springs Retirement Village, Inc. (BSRV), a not-for-profit Continuing Care Retirement Community, by ACTS Acquisition and Development Company, LLC. BSRV was previously controlled by SantaFe HealthCare, Inc. ACTS Acquisition's sole member is ACTS Retirement-Life Communities, Inc. The order establishes conditions including a 30-day removal requirement for individuals deemed unacceptable under the Florida Insurance Code.

Ultimate Health Plans Inc Final Order

The Florida Office of Insurance Regulation issued a Final Order against Ultimate Health Plans Inc (UHP), a health maintenance organization with 7,705 Medicare Advantage subscribers, requiring the HMO to comply with Florida Insurance Code Part I of Chapter 641 within 30 days. The enforcement action stems from administrative service contracts with Mirra Health Care LLC and Customer Service and Technology Solutions LLC that lack statutorily mandated language permitting contract cancellation upon regulatory order issuance.

Mirra Health Care LLC Immediate Certificate of Authority Suspension

Florida Office of Insurance Regulation issues Immediate Final Order suspending Mirra Health Care LLC's certificate of authority. The administrator illegally delegated claims-processing and enrollment functions to unlicensed offshore entities in India and the Philippines without authorization from contracted HMOs, exposing sensitive enrollee data. The suspension directly affects 23,119 Florida Medicare Advantage enrollees across three domestic HMOs.

Ava Lakes LLC Consent Order - CCRC Provisional Certificate of Authority

The Florida Office of Insurance Regulation issued a Consent Order granting Ava Lakes LLC a Provisional Certificate of Authority and Certificate of Authority to operate a Continuing Care Retirement Community in Boynton Beach, Palm Beach County, Florida. The CCRC will include 738 independent living units and 83 healthcare units, managed by Erickson Senior Living LLC.

American Mobile Insurance Exchange - Sixth Consent Order Extending Administrative Supervision

The Florida Office of Insurance Regulation issued its sixth consent order extending public administrative supervision of American Mobile Insurance Exchange, a domestic property and casualty reciprocal insurer. The supervision is extended for 120 days from April 3, 2026. American Mobile, operated by attorney-in-fact American Mobile Risk Management LLC, remains under supervision to facilitate orderly wind-down of remaining liabilities, return of unearned premiums, and subscriber surplus contributions.

One Alliance North America Insurance Consent Order

The Florida Office of Insurance Regulation has issued a Consent Order with One Alliance North America Insurance Company regarding its proposal to assume personal lines policies from Citizens Property Insurance Corporation. The order outlines conditions for the assumption of up to 10,000 policies.

Manatee Insurance Exchange Consent Order Assumes Citizens Policies

The Florida Office of Insurance Regulation has issued a Consent Order allowing Manatee Insurance Exchange to assume up to 100,000 personal lines policies from Citizens Property Insurance Corporation. This action is part of Florida's initiative to depopulate Citizens.

Slide Insurance Company Consent Order - Citizens Policies

The Florida Office of Insurance Regulation has issued a Consent Order with Slide Insurance Company regarding its proposal to assume selected personal lines policies from Citizens Property Insurance Corporation. The order outlines conditions for the assumption of up to 30,000 policies, effective in June and August 2026.

Southern Oak Insurance Company Consent Order for Policy Assumption

The Florida Office of Insurance Regulation has issued a consent order approving Southern Oak Insurance Company's proposal to assume up to 50,000 personal lines policies from Citizens Property Insurance Corporation. The order outlines conditions for the policy assumption, including comparable coverage requirements and limitations on premium increases for policyholders.

Sypher Insurance Exchange Consent Order for Florida Domestic Reciprocal Insurer

The Florida Office of Insurance Regulation has issued a Consent Order regarding Sypher Insurance Exchange's application to form a domestic reciprocal insurer. The order outlines conditions for the issuance of a Permit and Certificate of Authority, including requirements for background checks and corrective actions.

DB Insurance Acquisition of South Bay - Consent Order

The Florida Office of Insurance Regulation has issued a consent order approving the indirect acquisition of South Bay Acceptance Corporation by DB Insurance Co., Ltd. The order outlines conditions for the acquisition and potential corrective actions.

Citizens Property Insurance Corporation Rate Filings Final Order

The Florida Office of Insurance Regulation has issued a final order regarding rate filings from Citizens Property Insurance Corporation. This order establishes the rates for personal and commercial property insurance lines, ensuring they meet statutory requirements for actuarial soundness and market function.

American Integrity Insurance Company Consent Order

The Florida Office of Insurance Regulation has issued a consent order regarding American Integrity Insurance Company's proposal to assume selected commercial lines policies from Citizens Property Insurance Corporation. The order outlines conditions for the assumption, including comparable coverage and premium limitations, with an expected assumption date of May 19, 2026.

Manatee Insurance Exchange Consent Order

The Florida Office of Insurance Regulation has issued a Consent Order regarding Manatee Insurance Exchange's proposal to assume personal lines policies from Citizens Property Insurance Corporation. The order outlines conditions for Manatee's assumption of up to 65,000 policies, focusing on comparable coverage and premium limitations.

Assistance Insurance Company Consent Order

The Florida Office of Insurance Regulation has issued a Consent Order against Assistance Insurance Company. The order, dated January 22, 2026, details specific actions and requirements for the company.

Arizona Premium Finance Co. - Cease and Desist Complaint

The Florida Office of Insurance Regulation has issued a Cease and Desist Complaint against Arizona Premium Finance Co., Inc. (APFC) for knowingly funding hundreds of premium finance agreements in Florida without a required Certificate of Authority since 2017, totaling over $8.4 million in written premiums.

Florida Surplus Lines Service Office 2025 Amended Plan of Operation Approved

The Florida Office of Insurance Regulation (OIR) has approved the Florida Surplus Lines Service Office's (FSLSO) Amended Plan of Operation for 2025. The approval follows a review of amendments submitted by the FSLSO, including updates to its Board of Governors and Code of Conduct.

American Dream Auto Protect Inc. Consent Order

The Florida Office of Insurance Regulation has issued a Consent Order against American Dream Auto Protect, Inc. The order addresses alleged violations related to the company's auto protection services. Specific penalties and required actions are detailed within the order.