Florida Surplus Lines Service Office
FSLSO is a Florida statutorily-created non-profit that operates the mandatory SLIP+ electronic filing platform and compliance programs for all surplus lines insurance agents and eligible insurers operating in the state of Florida.
- Company typePrivate
- Founded1997
- HeadquartersTallahassee, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Florida Surplus Lines Service Office does
The Florida Surplus Lines Service Office (FSLSO) is a not-for-profit entity created by Florida statute in 1997 and headquartered in Tallahassee. It serves as the designated service office for surplus lines insurance regulation in Florida, operating under the oversight of the Florida Department of Financial Services and the Florida Office of Insurance Regulation. FSLSO's mandate covers all licensed and appointed surplus lines agents in Florida (both resident and non-resident) and all eligible surplus lines insurers operating in the state, making participation in its systems mandatory for any entity writing non-admitted insurance in Florida.
The organization's core technology platform is SLIP+ (Surplus Lines Insurance Platform), a web-based mandatory electronic filing system used by agents and insurers to submit policy information, pay taxes, and submit quarterly affidavits. Adjacent products include a Tax Estimator, Batch Filing System with schema validation, an Eligible Insurers Database, and Agent/Agency Search tools. Compliance is enforced through three complementary programs: the Compliance Review Program (agent reviews approximately every three years), the Premium Reconciliation Program (matching insurer and agent filings to identify unreported premium; $70M+ identified since inception in 2000), and the Production Ledger Review Program (cross-checking production ledgers against SLIP+ data). Educational products include a 60-hour Pre-Licensing Course, the SLICE continuing education course, and the official state Study Manual for the Florida surplus lines licensing exam, distributed under contract with the Florida Department of Financial Services.
FSLSO operates a fee-based revenue model funded by a Service Office Fee on gross premium (0.06% reduced to 0.03% effective July 1, 2026) rather than by the premium tax itself (4.94% for non-IPC policies, remitted to the state). The organization also publishes market data reports (Surplus Lines Premium Reports, Florida Market Trend Reports, Looking for Coverage Reports, Insurer Financials Reports) available to industry stakeholders. Distribution is primarily self-serve via the SLIP+ platform with inside-sales support via phone and email, and the IGNITE Internship Program operates in partnership with Florida State University, University of Florida, University of South Florida, and Troy University.
Florida Surplus Lines Service Office firmographics
Firmographics- Name
- Florida Surplus Lines Service Office
- Legal name
- Florida Surplus Lines Service Office
- Website
- https://fslso.com
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- FSLSO is a Florida statutorily-created non-profit that operates the mandatory SLIP+ electronic filing platform and compliance programs for all surplus lines insurance agents and eligible insurers operating in the state of Florida.
- Ownership category
- akta.pro rank
Florida Surplus Lines Service Office industry classification
Industry- Product category
- Insurance Regulatory Services
- NAICS
- Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Claims Management & Digital FNOL Platforms (FSAGAGAC)
Keywords
Where Florida Surplus Lines Service Office is headquartered
LocationHeadquarters
- HQ city
- Tallahassee
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Florida Surplus Lines Service Office business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Service Office Fee: FSLSO charges a service office fee on gross premium (premium plus policy fees) for surplus lines policies. The fee was 0.06% and changed to 0.03% for all new and renewal policies with effective date on or after July 1, 2026.
- Premium Tax Collection: Collection of surplus lines premium tax at 4.94% rate (reduced from 5% for policies effective on or after July 1, 2020). Tax applies to gross premium including policy fees, inspection fees, survey fees, and membership fees.
- Market Data and Publications: FSLSO publishes various market data reports including Surplus Lines Premium Reports, Florida Market Trend Reports, and Looking for Coverage Reports available to industry stakeholders.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Service Office Fee - 0.06% |
| Transaction based/ take rate | Pay-as-you-go | Service Office Fee - 0.03% |
| Transaction based/ take rate | Pay-as-you-go | Premium Tax - 4.94% |
| Transaction based/ take rate | Pay-as-you-go | Premium Tax - 5% |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Florida Surplus Lines Service Office product offering
Product offeringCore offering
FSLSO is a state-mandated, not-for-profit service office that operates the SLIP+ electronic filing platform through which Florida-licensed surplus lines agents and eligible insurers submit policy information, pay premium taxes and service office fees, and file quarterly affidavits. It administers compliance verification programs (Compliance Review, Premium Reconciliation, Production Ledger Review), publishes market data reports, and offers pre-licensing education and the IGNITE internship program for the Florida surplus lines insurance market.
Product overview
Florida Surplus Lines Service Office (FSLSO) operates as a not-for-profit entity created by Florida statute to serve the surplus lines insurance community. The organization offers a unified platform centered around SLIP+ (Surplus Lines Insurance Platform) for policy filing, tax estimation, and compliance management. The product portfolio includes market data and reporting tools (Market Data Reports), multiple compliance verification programs (Compliance Review, Premium Reconciliation, Production Ledger Review), educational resources (Pre-Licensing Course, SLICE Course, Study Manual), and the IGNITE Internship Program. FSLSO also provides operational tools including Batch Filing, Tax/Fee/Assessment Tables, and searchable databases for eligible insurers and agent/agency verification. The ecosystem is designed to facilitate compliance with Florida surplus lines law while providing market intelligence to the insurance industry.
Differentiator
Problem solved
Functional benefit
Products and services
- SLIP+ (Surplus Lines Insurance Platform) Mandated web-based filing platform that enables Florida-licensed surplus lines agents and eligible insurers to file policy information, submit quarterly affidavits, process batch filings, estimate taxes, and reconcile premiums with insurers.
- Tax Estimator Online tool that helps surplus lines agents calculate estimated premium taxes, service fees, and assessments for surplus lines policies based on current Florida tax rates and coverage codes.
- Market Data Reports A suite of paid market intelligence reports — including the Surplus Lines Premium Report, Florida Market Trend Report, Looking for Coverage Report, Insurer Financials Report, and Quick Facts — providing statistical analysis of the Florida surplus lines insurance marketplace.
- Compliance Review Program Statutory compliance verification program that conducts reviews of surplus lines agents approximately every three years to ensure adherence to Florida surplus lines insurance regulations.
- Premium Reconciliation Program Automated matching program that compares policy data filed by surplus lines agents against insurer filings to identify unreported premium and ensure proper collection of taxes, fees, and assessments. Has identified over $70 million in unreported premium since 2000.
- Production Ledger Review Program Supplemental verification program that reviews production ledgers supplied by surplus lines agents and reconciles them against data filed with FSLSO to identify unreported business.
- Pre-Licensing Course 60-hour pre-licensing course designed to prepare prospective agents for the Florida surplus lines licensing exam, delivered through FSLSO's online learning environment.
- SLICE Course Online continuing education and professional development course offered by FSLSO for licensed surplus lines insurance agents.
- Florida Surplus Lines Insurance Study Manual Official state study guide for the Florida surplus lines licensing exam, produced and distributed by FSLSO under contract with the Florida Department of Financial Services.
- IGNITE Internship Program 10-week paid internship program for college students interested in insurance careers, offering hands-on rotations across Agent & Insurer Services, Communications, Finance, and Information Technology, delivered in partnership with Florida universities.
- Batch Filing System Self-serve system enabling agents and insurers to submit multiple surplus lines policy transactions in batch format, including schema validation and Florida county code integration, available through SLIP+.
Quantifiable outcome
- Over $70 million in unreported premium identified since inception of Premium Reconciliation program
- +1 more outcomes
Companies that use Florida Surplus Lines Service Office
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Florida Surplus Lines Service Office technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Florida Surplus Lines Service Office partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Florida Department of Financial ServicescoreRegulatory oversight body that regulates FSLSO. Agents must obtain surplus lines licenses through this department and renew self-appointments via the MyProfile portal. DFS also handles administrative actions for non-compliance.
- Florida Office of Insurance RegulationcoreRegulatory body that oversees insurance operations in Florida including surplus lines activities. Works in conjunction with DFS to regulate FSLSO operations.
- Florida State University (Risk Management & Insurance Program)minorUniversity partnership through the IGNITE Internship Program. Interns from FSU's Risk Management & Insurance program gain hands-on experience in surplus lines insurance and may complete licensing exams during the program.
- University of FloridaminorUniversity partnership through the IGNITE Internship Program, accepting Information Systems and other majors for internship opportunities.
- University of South FloridaminorUniversity partnership through the IGNITE Internship Program for Risk Management and Insurance students.
- Troy UniversityminorUniversity partnership through the IGNITE Internship Program, accepting students from Troy University's Risk Management & Insurance program.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Florida Surplus Lines Service Office competitors and assessment
Company assessmentDirect peers
- Surplus Lines Stamping Office of Texas: Texas's statutorily designated surplus lines stamping office that performs premium stamping, tax allocation, and compliance review for Texas non-admitted insurance. Directly comparable to FSLSO as a state-level service office operating a mandatory filing platform for surplus lines agents and insurers.
- Kansas Surplus Lines Association: Kansas's designated surplus lines service office responsible for stamping, tax collection, and compliance verification for non-admitted insurance in Kansas. Directly comparable to FSLSO in function and statutory structure.
- Surplus Lines Association of Oregon: Oregon's surplus lines service association providing stamping, premium tax allocation, and regulatory reporting services for surplus lines producers in Oregon. Closely comparable to FSLSO in mandate and operating model.
- Surplus Lines Association of California: California's non-profit surplus lines association performing stamping, compliance, and export list administration for California non-admitted insurance transactions. Directly comparable to FSLSO as a state-level service organization for surplus lines compliance.
- Surplus Lines Association of Idaho: Idaho's designated surplus lines association that stamps policies, collects premium tax, and verifies eligibility for non-admitted insurance in Idaho. Directly comparable to FSLSO in function.
Broad incumbents
- National Association of Insurance Commissioners (NAIC): U.S. standard-setting and regulatory support organization for state insurance regulators. Comparable to FSLSO at a national level as the broader regulatory and data infrastructure that frames how state-level surplus lines offices like FSLSO operate.
- Insurance Information Institute: National insurance industry research and communications organization producing market data, trends, and educational content. Comparable to FSLSO as a broader insurance market data and educational resource, though operating nationally rather than at the state surplus lines level.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Florida Surplus Lines Service Office social profiles
Digital presenceFlorida Surplus Lines Service Office financial estimates
Financial estimateRevenue estimate
Valuation estimate
Florida Surplus Lines Service Office leadership team
Management profileNumber of profiles
Florida Surplus Lines Service Office funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Florida Surplus Lines Service Office M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Florida Surplus Lines Service Office
What does Florida Surplus Lines Service Office do?
FSLSO is a state-mandated, not-for-profit service office that operates the SLIP+ electronic filing platform through which Florida-licensed surplus lines agents and eligible insurers submit policy information, pay premium taxes and service office fees, and file quarterly affidavits. It administers compliance verification programs (Compliance Review, Premium Reconciliation, Production Ledger Review), publishes market data reports, and offers pre-licensing education and the IGNITE internship program for the Florida surplus lines insurance market.
Is Florida Surplus Lines Service Office a public or private company?
Florida Surplus Lines Service Office is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Florida Surplus Lines Service Office founded?
Florida Surplus Lines Service Office was founded in 1997. It employs 11 to 50 people.
Where is Florida Surplus Lines Service Office based?
Florida Surplus Lines Service Office is headquartered in Tallahassee, United States, in the North America region.
How does Florida Surplus Lines Service Office make money?
Three revenue lines are on record. Service Office Fee is the primary driver. The others are premium Tax Collection and market Data and Publications.
Who are Florida Surplus Lines Service Office's main competitors?
Direct peers on record are Surplus Lines Stamping Office of Texas, Kansas Surplus Lines Association, Surplus Lines Association of Oregon, Surplus Lines Association of California and Surplus Lines Association of Idaho. Broad incumbents are National Association of Insurance Commissioners (NAIC) and Insurance Information Institute.
Does Florida Surplus Lines Service Office have an API?
No public API is recorded for Florida Surplus Lines Service Office.
What industry is Florida Surplus Lines Service Office in?
Florida Surplus Lines Service Office's product category is Insurance Regulatory Services. Its primary akta.pro industry code is FSAGAGAC, Claims Management & Digital FNOL Platforms. Its NAICS code is 524292 and its SIC code is 6331.