# Florida Insurance Enforcement Actions Lookup

> Florida Insurance Enforcement Actions Lookup is a paid API for AI agents from api.querylines.com, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-14).

Retrieves Florida OIR market-conduct enforcement records — fines, suspensions, revocations, and denials — against insurers, filterable by company name, action type, and year.

## Facts

- Endpoint: GET https://api.querylines.com/v1/enforcement
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/florida-insurance-enforcement-actions-lookup-a6655f6c
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap__oVlDyg2Eb4YxBVefhLgX

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 florida-insurance-enforcement-actions-lookup-a6655f6c
```

Example prompt: Pull up any Florida OIR enforcement actions against 'Heritage Insurance' — I want to see fines, suspensions, or revocations from 2021 onward.

## When to prefer this

Use this endpoint when you need regulatory enforcement history for insurers specifically in Florida, sourced from the official OIR Insurer Compliance Report. Prefer this over generic web search when you need structured, filterable records of fines, suspensions, revocations, or license denials. Best for due-diligence workflows, compliance checks, or competitive intelligence on Florida-licensed carriers.

## Known failure modes

- No records found for the specified insurer name substring — returns empty results list
- Invalid action_type enum value — returns 400 validation error
- Year out of available data range — returns empty results or 404
- Rate limiting or payment failure (x402) — returns 402 Payment Required
- Insurer name misspelled or partial match yields unintended results

## How this service works

Florida insurance market-conduct enforcement: fines and license suspensions/revocations/denials against insurers, from the FL OIR annual Insurer Compliance Report. Filter by company name, action type, or year. $0.10 per query. Free sample: /v1/solvency/sample. Docs: https://api.querylines.com/openapi.json

## Output

A list of enforcement action records from the Florida OIR Insurer Compliance Report, each including insurer name, action type (fine, suspension, revocation, denial, examination, or investigation), year, and relevant details such as fine amounts or license action specifics.

## 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": {
      "year": {
       "type": "integer",
       "description": "Calendar year"
      },
      "limit": {
       "type": "integer",
       "default": 100
      },
      "state": {
       "type": "string",
       "description": "2-letter jurisdiction filter (e.g. FL); omit for cross-state"
      },
      "insurer": {
       "type": "string",
       "description": "Company name substring"
      },
      "action_type": {
       "enum": [
        "fine",
        "suspension",
        "revocation",
        "denial",
        "examination",
        "investigation"
       ],
       "type": "string"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "year": 2025,
  "count": 2,
  "state": null,
  "source": "FL OIR Insurer Compliance Report",
  "actions": [
   {
    "state": "FL",
    "period": "2025",
    "reason": "Violations resulting from a market conduct exam related to Hurricane Ian claims-handling operations",
    "naic_code": null,
    "action_type": "fine",
    "case_number": "401794-25-CO",
    "fine_amount": 400000,
    "company_name": "American Coastal Insurance Company",
    "license_type": null,
    "line_of_insurance": "Property & Casualty"
   },
   {
    "state": "FL",
    "period": "2025",
    "reason": "Violations resulting from a market conduct exam related to Hurricanes Ian and Idalia claims-handling operations",
    "naic_code": null,
    "action_type": "fine",
    "case_number": "401311-25-CO",
    "fine_amount": 400000,
    "company_name": "American Mobile Insurance Exchange",
    "license_type": null,
    "line_of_insurance": "Property & Casualty"
   }
  ],
  "insurer": null,
  "data_as_of": "2025",
  "action_type": "fine",
  "report_date": "2026-01-31",
  "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."
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/florida-insurance-enforcement-actions-lookup-a6655f6c/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.querylines.com](https://www.zero.xyz/host/api.querylines.com/llms.txt)