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Insurance Consumer Advocate

Sha'Ron James


Contact Us
Mailing: 200 East Gaines St.
Tallahassee, FL 32399-0308

For Consumer Assistance:
Contact the Division of
Consumer Services within the
Department of Financial Services

Online at
Consumer Services
Toll-free in Florida
1-877-MY-FL-CFO
(1-877-693-5236)
Out of State
(850) 413-3089
Español
(850) 413-3033

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Insurance Consumer Advocate
Sha'Ron James

Sha`Ron James serves as the state’s Insurance Consumer Advocate. As Insurance Consumer Advocate, Sha`Ron is committed to finding solutions to the insurance problems facing Floridians, calling attention to questionable insurance practices, and ensuring that the market responds to the needs of Florida’s diverse population. Prior to her appointment as Insurance Consumer Advocate, Sha`Ron served as the Director of the Department of Financial Services’ Division of Rehabilitation & Liquidation, where she directed the operations of over 68 insurance receiverships and managed complex litigation proceedings related to a Florida insurance company’s financial failure. In this role, Sha`Ron fervently represented Florida’s families, recognizing that consumers, far more than company board members or directors, are most impacted by the collapse of a carrier’s ability to provide coverage. Whether navigating property coverage to protect a home, life insurance to protect a family’s lasting legacy, or health coverage to ensure loved ones receive necessary medicines or medical attention, Sha`Ron has guided thousands of Florida policyholders through these complicated and trying experiences.

In addition to serving as a Division Director, Sha`Ron has also served in several roles with the International Association of Insurance Receivers (IAIR) and the National Association of Insurance Commissioners (NAIC), most recently representing the state of Florida on the NAIC Receivership and Insolvency Task Force, the Receivership Financial Analysis Working Group, the Receivership Model Law Working Group, the Receivership FHLB Legislation Subgroup, the IRMA Section 711 Subgroup, and as a past chair of the Receivership Technology and Administration Working Group. Sha`Ron received her Bachelor of Science degree in Economics from Florida A & M University, a Master of Public Administration degree from the Maxwell School of Citizenship & Public Affairs at Syracuse University, a Juris Doctor from the University of Florida Levin College of Law, and an Advanced Project Management certification from Stanford University.