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Miami Insurance Representatives Arrested for Transacting Business Without a License


Contact: Ashley Carr
(850) 413-2842
MIAMI, Fla. - The Florida Department of Financial Services’ Division of Insurance Fraud today announced the arrests of Luis Alfredo Hernandez, 51, and Etiame Caridad Ramjohn, 35, for transacting insurance without a license. Ramjohn, a convicted felon, and Hernandez were employed with Trinity Insurance Agency in Miami.
Hernandez and Ramjohn were found to have been transacting insurance-related business at Trinity Insurance Agency during a site inspection conducted by the Department’s Division of Agent & Agency Services. The inspection stemmed from Hernandez’s application for an insurance agent license that was not completed, which led investigators to believe he was transacting without a license.
Anytime an application for licensure gets denied or closed without approval, the Department of Financial Services’ Division of Agent & Agency Services’ tracks the applicant’s business transactions to make sure they do not attempt to conduct business without the proper licensing.
Investigators not only found Hernandez and Ramjohn to be conducting unlicensed insurance business, but Ramjohn had also previously been denied a customer representative license and was permanently barred from the insurance industry. The investigation revealed that Hernandez and Ramjohn were obtaining insurance policies and signing policies for another agent who was absent during the time of the transactions.
In addition to what was found during the site inspection, Hernandez and Ramjohn were also found to have sold and quoted multiple insurance policies for Trinity Insurance Agency. It was determined that Hernandez was involved in the transaction and sale of at least 155 insurance policies, and Ramjohn was involved in at least 31 policies, submitted to United Automobile Insurance Company. During the investigation, additional customers were located and identified Hernandez and Ramjohn as the persons that sold them their motor vehicle insurance.
The state of Florida requires that any person performing the duties of an insurance agent or customer representative must hold the proper licenses issued by the Department of Financial Services.
Luis Alfredo Hernandez and Etiame Caridad Ramjohn were booked into Turner Guilford Knight Correctional Center and are being charged with Transaction of Insurance without a License, a 3rd degree felony, with a bond set at $5,000. The case is being prosecuted by the office of Miami-Dade County State Attorney Katherine Fernandez Rundle.
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Chief Financial Officer Jeff Atwater, a statewide elected official, oversees the Department of Financial Services. CFO Atwater’s priorities include fighting financial fraud, abuse and waste in government, reducing government spending and regulatory burdens that chase away businesses, and providing transparency and accountability in spending. Follow the activities of the Department on Facebook (FLDFS) and Twitter (@FLDFS).