Florida Agency Sought License Revocation for ePremium
Florida regulators allege an insurance agency sent thousands of deceptive notices to renters, triggering potential fines.
Updated on Sept. 24, 2026 in Insurance
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On Aug. 26, the Florida Department of Financial Services filed an administrative complaint against Ohio-based ePremium Insurance Agency LLC. The complaint alleges the company sent over 8,500 deceptive communications to Florida renters falsely claiming their insurance policies had lapsed.
Why it matters
Renters faced financial strain from these deceptive notices as property management companies reportedly assessed administrative fines against them for supposed coverage gaps. At least one resident canceled a valid insurance policy based on the false information provided by the firm.
The Florida Department of Financial Services identified over 8,500 instances of deceptive notices, text messages, and phone calls sent to state renters. These communications led to unintended administrative fines for residents and at least one premature cancellation of an active policy.
The players
Florida Department of Financial Services
The state regulatory agency responsible for consumer protection and the oversight of insurance licensing.
ePremium Insurance Agency LLC
An Ohio-based insurance agency that provides renters insurance products.
The details
The state alleges that ePremium Insurance Agency notified property management companies that renters insurance coverage for specific tenants had lapsed when those policies remained active. The company, which is based in Ohio, attributes these notices to a computer coding error or technical glitch. Lawyers for the agency have requested a formal hearing before an administrative law judge to contest the state's bid to revoke its Florida license.
Timeline
Aug. 26: The Florida Department of Financial Services filed the administrative complaint.
Sept. 23: No administrative law judge had been assigned to the case.
Money Landscape
The administrative action follows a pattern of enforcement seen in Florida insurance licensing compliance regulations, where regulators seek to protect consumers from deceptive industry practices. This filing marks a formal escalation in the state's oversight of out-of-state entities operating within the Florida insurance market.
If you receive a notification regarding a lapsed insurance policy, verify the status directly with your insurer before taking action. Contact your property manager to resolve any incorrect administrative fines if you discover you were affected by this specific incident.
The takeaway
Deceptive notices can lead to unnecessary fines or the loss of valid coverage for unsuspecting renters. If you are concerned about your policy status, discuss any suspicious communications with your insurance provider or a qualified professional.
Further reading
For more information on how to handle insurance disputes and verify policy status, visit Insurance.
Source note: This article includes information reported by The News-Press.
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