No. CS/HB 645
Filed under Insurance.
Limited Agent Licenses; Renames "portable electronics insurance" as "portable electronics or eyewear insurance" to include eyewear for purposes of insurance coverage & licenses.
Plain English Summary
AI-GENERATEDFlorida's limited insurance license for portable electronics, covering things like phones, cameras, and gaming devices against loss or damage, now also covers eyewear, including ordinary prescription glasses and sunglasses, not just smart glasses.
One license now covers both categories. A retailer can sell electronics coverage, eyewear coverage, or both, without needing a separate license for eyewear.
The definition of "portable electronics" itself is also rewritten, dropping the old list of named devices (phones, cameras, GPS units, camcorders) for a broader, open-ended test that explicitly reaches household and health-or-activity-monitoring devices too.
Every consumer disclosure, exam exemption, and claims-handling rule that already applied to electronics sales now applies the same way to eyewear sales, including a restriction on Canadian residents adjusting these claims.
AIThe existing limited license for portable electronics insurance now also covers eyewear under the same license. A licensee can sell electronics coverage, eyewear coverage, or both, without holding two separate licenses.
AIThe new "eyewear" category is not limited to smart glasses. It also covers ordinary nonelectronic eyewear, expressly including everyday prescription and nonprescription eyeglasses and sunglasses sold at retail.
AIThe old law defined portable electronics by naming specific devices like phones, cameras, and GPS units. The new definition drops that list for a functional test that explicitly reaches household devices and health or activity monitors.
AIThe defined term "portable electronics transaction," covering the sale or lease of portable electronics or a related service including insurance, is deleted from the statute entirely, with no replacement definition added.
AISellers of eyewear insurance must now give customers the same brochure disclosures electronics sellers already give, including a warning that the coverage may duplicate a homeowners or renters policy, among other required terms.
AIAn applicant for the limited license covering eyewear insurance does not have to pass the state licensing examination, the same exemption that already applied to portable electronics and other limited lines.
AIA Canadian resident may not be licensed as a nonresident independent adjuster to handle eyewear insurance claims unless that person already holds an adjuster's license in another state, the same rule that already applied to electronics claims.
AIA general lines agent who is already licensed and appointed does not need a separate portable electronics or eyewear insurance license to sell that coverage at a location already licensed as an insurance agency.