Surcharges - Public
Insurance Carousel
Site Map
Insurance
-
Policy Types
- Personal Policies
- Commercial Policies
- End of Section
-
Coverages
- Optional Coverages
- End of Section
- Deductibles
-
Assessments
- Surcharges
- End of Section
- Discounts
- End of Section
- Visiting Your Agent
- End of Section
- Wind Mitigation Inspections
- Sinkhole Inspections
- End of Section
- Annual Review
- Changes and Cancellations
-
Payments
- Personal Payment Plans
- Commercial Payment Plans
- End of Section
- End of Section
-
Clearinghouse
- New Applicants
- Renewals
- Returning Policyholders
- End of Section
-
Depopulation
-
Personal Lines
- End of Section
- Commercial Lines
- Depopulation Resources
- End of Section
-
Personal Lines
-
FMAP
- FMAP for Agents
- End of Section
- Managed Repair
-
Sinkholes
- Sinkhole Inspections
-
Sinkhole Claims
- Sinkhole Investigations
- Sinkhole Repairs
- End of Section
- End of Section
- End of Section
Web Content Display (Global)
Breadcrumb
Asset Publisher
Additional Surcharges
In addition to the Citizens Policyholder Surcharge, the following additional surcharges and assessments or other adjustments may be applied to a Citizens policy.
Florida Hurricane Catastrophe Fund Assessment
Emergency assessment that can be levied to restore the capacity of the Florida Hurricane Catastrophe Fund (FHCF) if the revenue generated from premiums is insufficient. This assessment is paid by all Florida insurers.
Catastrophe Financing Surcharge
This surcharge applies only to Personal and Commercial wind-only policies.
Catastrophe Protection Surcharge
An adjustment to commissionable premium that applies only to Personal multiperil policies.
Emergency Management Preparedness and Assistance Trust Fund (EMPA)
Provides for emergency management preparedness, communication and training.
- Personal Residential Multiperil policies – $2 surcharge
- Commercial Residential and Nonresidential Multiperil policies – $4 surcharge
State Fire Marshall Regulatory Surcharge
A 0.1 percent surcharge on all Florida Commercial Multiperil policies. It pays for fire and hazardous waste cleanup training for fire departments throughout the state.
Tax-Exempt Surcharge
Insurers are required to collect a state tax for each policy they write in Florida. Although Citizens is a tax-exempt entity, this 1.75 percent surcharge is required by law so Citizens can maximize financial resources to pay claims.
Florida Insurance Guaranty Association Assessment (FIGA)
Generates revenue to pay outstanding claims of insolvent Florida insurance companies
Web Content Display (Global)
Downloads
Web Content Display (Global)
Graphic - Assessments Brochures
Download the Assessments Premium Dollar brochure
Download the Assessments Premium Dollar Miami-Dade brochure
Download the Hurricane Assessments Aftermath brochure
Download: Hurricane Assessments Aftermath brochure En español
Download the Assessments True Cost brochure