Florida insurance guaranty associations are a backup file
After a Florida insurer is ordered into liquidation, a guaranty association may handle certain covered claims or benefits.
Most people hear about a guaranty group only after an insurer is in trouble. First, check whether the company is being repaired through a court case or has been found insolvent and closed.
After a court orders liquidation, a guaranty group may take over some covered claims or plan benefits. FIGA handles many property and casualty files. FLAHIGA handles many life, health, and annuity files. Workers’ compensation and HMO cases use other paths.
This backup does not cover every loss. Each group can have its own limits, deductibles, home-state rules, items left out, policy end dates, and claim dates. For that reason, start with the DFS page for the failed insurer.
Use the notice to find the company on that page. It will show the case status, key dates, and the group involved. Then read that group’s rules before assuming an old claim or unpaid benefit moved over.
Keep the policy, claim number, payment proof, adjuster messages, cancellation letters, and court notices together. A complete file gives the receiver or guaranty group a clear place to begin.
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Sources
Last checked against these sources: July 27, 2026.
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