# FL Insurance Solvency & Enforcement Lookup

> FL Insurance Solvency & Enforcement Lookup is a paid API for AI agents from api.querylines.com, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-15).

Looks up a Florida insurance company's receivership/liquidation record (FL DFS) and market-conduct enforcement actions (FL OIR fines, suspensions, revocations) in one dossier, or lists receivership estates by status.

## Facts

- Endpoint: GET https://api.querylines.com/v1/solvency
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/fl-insurance-solvency-enforcement-lookup-b90c1556
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_rMy0pFpRInhFr6dRTIaKG

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability fl-insurance-solvency-enforcement-lookup-b90c1556
```

Example prompt: Can you pull the Florida solvency dossier for 'Heritage Property & Casualty Insurance' — I want to see any receivership or liquidation filings and any OIR enforcement actions like fines or license suspensions against them?

## When to prefer this

Use this endpoint when you need to assess whether a Florida-domiciled or Florida-active insurance carrier is financially distressed, in regulatory trouble, or has a history of enforcement actions. Prefer this over general web searches when you need structured, authoritative FL DFS and FL OIR data in a single call. Best for due diligence on insurance carriers operating in Florida, or for listing all active receivership estates by status.

## Known failure modes

- Unknown company name returns empty arrays (not a 404) — agent must check for empty result rather than error
- Name mismatch due to substring search — partial names may return multiple or zero results
- Status filter enum must be one of: rehabilitation, liquidation, conservation, closed — invalid values rejected
- Limit parameter only applies in list mode (no insurer specified) — ignored in company lookup mode
- Payment failure (x402) if USDC balance insufficient — $0.10 per query

## How this service works

Is this insurance carrier in trouble? Look up a company's Florida receivership/liquidation record (FL DFS Rehab & Liquidation) plus its Florida market-conduct enforcement actions (FL OIR fines, license suspensions/revocations) in one dossier, or list receivership estates by status. Matched by name; unknown company returns empty arrays, not a 404. $0.10 per query. Free sample: /v1/solvency/sample. Docs: https://api.querylines.com/openapi.json

## Output

Returns a JSON dossier containing: (1) Florida DFS receivership/liquidation/rehabilitation records for the named insurer, and (2) Florida OIR market-conduct enforcement actions including fines, license suspensions, and revocations. In list mode (no insurer name), returns paginated receivership estates filtered by status. Unknown companies return empty arrays rather than errors.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "limit": {
       "type": "integer",
       "default": 100,
       "description": "List mode only, 1-500"
      },
      "state": {
       "type": "string",
       "description": "2-letter jurisdiction filter (e.g. FL); omit for cross-state"
      },
      "status": {
       "enum": [
        "rehabilitation",
        "liquidation",
        "conservation",
        "closed"
       ],
       "type": "string",
       "description": "List mode filter"
      },
      "insurer": {
       "type": "string",
       "description": "Company name (substring); omit for list mode"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "query": "American Capital Assurance",
  "state": null,
  "source": "FL DFS Division of Rehabilitation & Liquidation; FL OIR Insurer Compliance Report",
  "data_as_of": "2026-07-13",
  "report_date": "2026-07-13",
  "coverage_note": "Receiverships are insurer estates from state receivers (FL DFS Rehab & Liquidation, the California Conservation & Liquidation Office, the New York Liquidation Bureau); enforcement actions are fines and license suspensions/revocations/denials from state regulators (FL OIR, Texas TDI, New York DFS, California CDI, Washington OIC). Matched by normalized name (no NAIC number is published); absence means no receivership or enforcement action on record in the covered states, not a judgment about the carrier.",
  "receiverships": [
   {
    "state": "FL",
    "status": "liquidation",
    "domicile": "Florida",
    "naic_code": null,
    "detail_url": "https://www.myfloridacfo.com/division/receiver/companies/detail/555",
    "case_number": "2021 CA 0641",
    "company_name": "AMERICAN CAPITAL ASSURANCE CORP",
    "coverage_type": "Property and Casualty",
    "discharge_date": null,
    "claims_deadline": "2022-04-14",
    "liquidation_date": "2021-04-14",
    "rehabilitation_date": null,
    "guaranty_associations": [
     "Florida",
     "Georgia",
     "Louisiana",
     "North Carolina",
     "South Carolina",
     "Texas"
    ],
    "policy_cancellation_date": "2021-05-14"
   }
  ],
  "in_receivership": true,
  "enforcement_actions": []
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/fl-insurance-solvency-enforcement-lookup-b90c1556/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
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