What Is a 220 License in Florida?

The Florida 2-20 Property and Casualty General Lines Agent License allows insurance professionals to sell, solicit, and service property and casualty insurance—including home, auto, health, marine, and commercial insurance. Aspiring agents complete a qualifying course and pass a state exam to earn this credential, which also permits starting a licensed agency.

Popular Career Paths

A person with a Florida general lines license (2-20) can perform a wide variety of jobs in insurance, particularly focused on sales, service, and management of property and casualty insurance policies.

Customer Service Representative (CSR)  (entry level job 4-40 license is earned before you work on your 2-20 license)
CSRs help agents by assisting clients with policy questions, processing policy changes, helping file claims, completing paperwork, and handling daily administrative tasks.

Insurance Agent
Licensed agents can sell, solicit, and negotiate property and casualty insurance policies, including homeowners, auto, and commercial insurance.

Commercial Lines Account Manager
These professionals manage business accounts, review policies for accuracy, prepare renewals, assist with claims, and maintain relationships with commercial clients.

Insurance Producer/Sales Representative
Producers focus on generating new business through outreach, presenting and selling insurance solutions, quoting policies to potential customers, and following up on leads.

Claims Processor/Assistant
Although a separate adjuster license may be needed for some claims roles, general lines licensees can often assist with first notice of loss, claims filing, and administrative support related to claims, especially for property and casualty policies.

These roles offer a range of opportunities to work in Florida's insurance industry, encompassing everything from direct client sales to account management and customer support.

Salary Ranges in 2025

• General Lines Agent: $33,300–$74,984 base; top earners $100K+.
• Commercial Account Manager: $63,011–$95,230.
• Customer Service Rep: $29,900–$41,100.
• Producer/Sales Rep: $35,000–$100,000+ with sales volume.

Entry-Level vs. Experienced Agent Pay

Entry-level agents in metro areas may earn up to $59,000 with incentives, while experienced producers often exceed $100,000 thanks to commissions and renewals.

Why Pursue the Florida 220 License?

This license offers diverse career paths, upward mobility, and strong earning potential. Agents can specialize, move into management, or launch their own agency, all while helping clients secure essential protection. In other words, the Florida 220 license blends opportunity, flexibility, and upward mobility.

Professionals can work directly with clients, manage commercial accounts, move into management, or build their own agencies. The financial rewards can be considerable, especially for those who develop sales skills and build lasting client relationships.​

Something to think about.

Whether you’re just starting or seeking advancement, the Florida 2-20 General Lines license delivers a pathway to a rewarding—and varied—career helping families and businesses protect what matters most. The industry welcomes new talent and rewards ambition with diverse roles and strong earning potential.

By the way, don't forget to keep your customers happy.

To make customers happier in an insurance setting, agents should focus on providing friendly service, clear communication, and personalized attention during every interaction. An agent can ensure clients feel valued by listening to their needs, answering questions thoroughly, and guiding them to the best policies for their situations. Proactively assisting with claims and checking in regularly to review coverage also helps build trust and satisfaction within the client relationship. Continuing education about insurance products and demonstrating empathy—especially during stressful claims processes—often leads to higher rates of customer happiness and loyalty.

Shameless plug for OLT courses

Entry level - Earn your first license without sitting for the state exam 40 hr 4-40 RCSR Registered Customer Representative Designation Course (no state exam required),
or take our 200 hr - General Lines (Property and Casualty) 2-20 Prelicensing Course and become a licensed Property and Casualty General Lines agent (requires state 220 exam)  able to perform all tasks.
If you already have your 4-40, 20-44, or 0-55 license, you can upgrade to a full General Lines (2-20) License with our 40 hr 2-20 Conversion Course which does requiresthe state 220 exam

TL;DR

The Florida 220 general lines license lets you sell and service property and casualty insurance, leading to varied job opportunities. Entry-level agents start around $33K–$42K; experienced pros can earn $75K+ and six figures with commissions. It’s a rewarding license for ambitious communicators and sales professionals.