Which entity approves the insurance policy forms used in Florida?

The Office of Insurance Regulation (OIR) is the entity responsible for approving insurance policy forms used in Florida. This role is crucial as the OIR ensures that the policies comply with state laws and regulations, providing oversight to protect consumers and maintain a stable insurance market. The OIR reviews various types of insurance documents, including forms, rates, and any other materials related to insurance offerings, making sure they are fair, adequate, and not discriminatory.

This function of the OIR is significant in maintaining the quality and transparency of insurance practices within the state. By approving these forms, the OIR helps ensure that consumers receive policies that are properly structured and contain the necessary disclosures or protections required by Florida laws. Other entities mentioned do not have the same regulatory power over the approval of insurance policy forms; therefore, they do not fulfill this crucial role within Florida's insurance regulatory framework.