佛罗里达州无证经纪人卖假保险被捕：主犯2002年已被终身禁业
佛罗里达州首席财务官 Blaise Ingoglia 10月27日宣布，该州金融服务厅（DFS）刑事调查处逮捕了无证保险经纪人 Yaudat Antonio Ohan 与其同伙 Alberto Villaruel。两人涉嫌向一家建筑公司出售根本不存在的劳工保险，Ohan 早在2002年就已被永久禁止在佛州持有保险经纪人执照。
调查始于一家地板建筑公司向金融服务厅合规官员提交了两份保险证明（COI）。核查发现，被列名的保险公司从未售出相关保单——该公司花1.05万美元买到的「保障」并不存在。调查人员随后查明，现年52岁、住在 Hialeah 的 Ohan 被终身禁业后，一直藏身于一家持牌保险代理机构内以经纪人身份营业。
Ohan 已于9月28日被捕，被控共谋敲诈勒索、有组织诈骗、重大盗窃、伪造文书、使用电信设备从事不法活动、无证从事保险业务以及挪用保险资金等罪名；法庭记录显示他已作无罪答辩。Villaruel 是持牌财产与意外险经纪人，也是 Ohan 所在代理机构的负责人，被指明知对方无证仍予以协助，他于10月20日被捕，被控重大盗窃、有组织诈骗与共谋敲诈勒索。案件将由 Miami-Dade 县州检察官办公室起诉。
Ingoglia 表示：「佛州人的保单是用来保护他们的，不是给罪犯的银行账户充钱的。保险诈骗是对每一位守法佛州人征收的『犯罪税』，我不会坐视这笔成本转嫁到佛州家庭头上。」作为此案的附带后果，涉事建筑公司因未为员工购买劳工保险，已被勒令停工。
金融服务厅提醒，雇主在拿到保险证明后应直接向承保公司核实保单是否真实存在，不要只凭经纪人出具的一纸证明。民众如发现保险诈骗线索，可拨打该厅保险诈骗热线 1-800-378-0445 举报。（来源：佛罗里达州金融服务厅2026年10月27日官方新闻稿）
Florida Arrests Unlicensed Agent in Fake Insurance Scheme: Lead Suspect Barred From the Business Since 2002
Florida Chief Financial Officer Blaise Ingoglia announced on October 27 that the Department of Financial Services' Criminal Investigations Division has arrested unlicensed insurance agent Yaudat Antonio Ohan and his accomplice Alberto Villaruel. The two allegedly sold a construction company workers' compensation coverage that did not exist — even though Ohan has been permanently barred from holding an insurance agent license in Florida since 2002.
The investigation began when a flooring construction company submitted two certificates of insurance (COIs) to a DFS compliance officer. The named carrier confirmed it had never sold the policies: the company had paid $10,500 for coverage that was never in force. Investigators determined that Ohan, 52, of Hialeah, had been operating as an agent inside a licensed insurance agency despite the lifetime bar.
Ohan was arrested on September 28 and charged with conspiracy to commit racketeering, organized scheme to defraud, grand theft, uttering a forged instrument, unlawful use of a telecommunications device, transacting insurance without a license, and insurance funds diversion; court records show he has pleaded not guilty. Villaruel, a licensed property and casualty agent who served as the agency's agent-in-charge, allegedly knowingly allowed Ohan to provide fraudulent coverage; he was arrested on October 20 and charged with grand theft, organized scheme to defraud, and conspiracy to commit racketeering. The case will be prosecuted by the Miami-Dade State Attorney's Office.
"Floridians' insurance policies are meant to protect them, not fund criminals' bank accounts. Insurance fraud is a crime tax on law-abiding Floridians, and I will not stand for that cost to be passed onto Florida families," Ingoglia said. As a consequence of the scheme, the construction company was also issued a stop-work order for failing to carry workers' compensation coverage for its employees.
DFS advises employers to verify coverage directly with the carrier after receiving a certificate of insurance rather than relying solely on paperwork from an agent. Suspected insurance fraud can be reported to the department's hotline at 1-800-378-0445. (Source: Florida Department of Financial Services news release, October 27, 2026)
来源：GSM·美国（原文链接）
图片来源：图：迈阿密市政厅外景（资料图）。Phillip Pessar 摄，CC BY 2.0，经 Wikimedia Commons。 / Miami City Hall (file photo). Photo by Phillip Pessar, CC BY 2.0, via Wikimedia Commons.
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