Florida sports betting is legal and operated solely by the state’s Seminole Tribe. While only one regulated online sportsbook is regulated in the state, Floridians often turn to betting sites based outside the US, known for their flexible betting options and impressive promotions.
We offer a comprehensive list of the best online sites for sports betting in Florida, where you can find the hottest odds and the quickest payouts. Find out everything there is to know about these sportsbooks and why they’re preferable to the Sunshine State’s regulated platform.
Top 10 Sports Betting Sites in Florida for 2025
Floridians have access to hundreds of online sportsbooks, but why waste time with the mediocre ones when you can dive straight into the hottest Florida sports betting sites? Check out our list below for sportsbooks offering an unrivalled betting experience:
- BetWhale – The Best FL Sports Betting Site With Live Sports Streaming
- BetOnline – Get the Earliest Lines and Unmatched Odds on 35+ Sports
- Everygame – Highlights the Hottest Bets So You Never Miss an Opportunity
- Bovada – Features the Highest Bet Values on the Tampa Bay Sun FC
- BetUS – Unlock Top Picks and Tips From the Pros on BetUS TV
- CoinCasino – Sign Up and Claim a Whopping Welcome Bonus up to $30,000
- MyBookie – Join MyBookie VIP for Exclusive Free Bets and Odds Boosts
- BetNow – Claim Hot Rebates on Sports, Horse Racing, and Esports
- Sportsbetting – Compile Markets on the Tampa Bay Rays With the Parlay Builder
- BUSR – Wager Competitive Exactas on Races at Tampa Bay Downs
Is Sports Betting Legal in Florida?
Legal sports betting emerged in Florida in 2021, when the Seminole Tribe agreed to a new gaming compact with the state. Gov. Ron DeSantis signed bill SB 2-A into law, ratifying the compact. Despite disputes and rulings by the federal court and a freeze on sports betting in the state, the Supreme Court ultimately relinquished full exclusivity to the Seminole Tribe.
Since the Seminole Tribe has the monopoly over sports betting in Florida, there is only one sports betting app and website, Hard Rock Bet. The six Seminole casinos in the state also offer retail sportsbooks for Floridians to enjoy. But, you’ll need to be 21 or older to place a wager in the state.
Florida makes it simple to sign up and bet by offering remote registration, so you can sign up in a few clicks using the Hard Rock Bet app. Keep in mind, though, that this platform is only accessible while you’re in state lines, with geolocation prohibiting app use in any other state.
Bettors in Florida don’t pay state taxes on betting winnings, as the state is one of only a few that don’t charge an income tax. But remember, a 24% federal tax still applies.
Are Foreign Betting Sites Legal in Florida?
Yes, you can access foreign betting sites in Florida. While you can access Hard Rock Bet in the Sunshine State, limiting yourself to only this platform doesn’t make much sense, especially when the top offshore betting sites provide more extensive betting options, higher odds, and mammoth bonuses.
These betting sites fall out of the jurisdiction of US federal and state laws, which places them in a legal gray area. Since they’re neither prohibited nor authorized, bettors in the state can access them without hassle.
Recent Florida Sports Betting News
The Seminole Tribe has a monopoly on Florida sports betting, so it is unlikely that we will see any sportsbooks other than Hard Rock Bet receive licensing anytime soon. However, there have been some interesting snippets regarding sweepstakes gaming and using insider info for betting in the state. Here is our Florida sports betting update:
- April 16, 2025: SB 1404, which is set to ban sweepstakes gaming in the state and increase penalties on illegal gambling, passed in the FL Senate committee.
- March 26, 2025: HB 1467 passes as the Florida Senate committee votes it in with an 8-0 margin.
- Feb. 27, 2025: Representatives Snyder and Anderson propose bill HB 1467, which, if passed, would make it a felony for bettors to wager on a sports event if they have insider information or advance knowledge of the event’s outcome because of match-fixing.
Florida Betting Overview
Since regulated sports wagering officially relaunched in Florida in December 2023, there are a few crucial facts to know about sports betting in FL, to make sure you stay on the right side of the law:
Population | 23,4 Million (2024) |
Betting Regulator | Florida Gaming Control Commission |
Legal Minimum Betting Age | 21 Years (for sports betting) |
Retail Sports Betting | Yes |
Online Sports Betting | Yes |
Daily Fantasy Sports | No regulation |
Retail Casinos | Yes |
Online Casinos | No |
Horse Racing | Yes |
Pari Mutuel Wagering | Yes |
Mobile Betting App | Yes (Hard Rock Bet) |
Reviews of the Top 5 Florida Sports Betting Sites & Apps
We uncover everything you need to know about our top five Florida sports betting sites in the reviews below, to make it easier to find your perfect sportsbook.
1. BetWhale (9.9/10)
Year Established | 2023 |
Licensed With | The Government of the Autonomous Island of Anjouan, Union of Comoros |
Welcome Bonus | 200% up to $6,000 & No Code |
How Many Sports | 25+ |
Payment Options | Cryptocurrency, Visa, MasterCard, Discover, American Express, E-Wallets, Flexepin |
Mobile Compatibility | Android, iOS |
Rewards Program | No |
Live Streaming | Yes |
BetWhale brings all the action with its unmatched live betting options. Wager in-play bets on your top FL teams, from the Miami Heat and the Tampa Bay Rays to Orlando Pride, and take advantage of competitive live markets. You can boost your chances for live betting by catching these games in real time, using BetWhale’s HD sports streaming.
While the site could offer more stats on live games and teams, it makes up for it by offering other hot features, including a highlights banner of the top matches of the day and their odds, for quick betting. The Florida sports betting site has a top-notch racebook, offering exactas, places, wins, parlays, and superfectas on races run at Tampa Bay Downs.
BetWhale has just released a new sports welcome bonus for crypto bettors, unlocking up to $6,000 in bonus funds (if you use traditional payment methods, the promo is capped at $1,000). Claiming this offer at one of the best crypto betting sites is simple, thanks to BetWhale’s large selection of payment methods, including cryptocurrencies, which have no limit on the amount you can deposit.
BetWhale Pros:
- Claim a hot $6,000 crypto bonus
- Stream sports matches live in HD
- Make unlimited deposits using crypto
- Racebook covers markets at Tampa Bay Downs
BetWhale Cons:
- The traditional currency welcome offer is small
- Live stats could be more comprehensive
2. BetOnline (9.8/10)
Year Established | 1991 |
Licensed With | Panama |
Welcome Bonus | Up to $250 in free bets & FREE250 |
How Many Sports | 35+ |
Payment Options | Cryptocurrency, Visa, MasterCard, Bank Transfer, Person2Person, Money Order |
Mobile Compatibility | Android, iOS |
Rewards Program | 7-Tier VIP Rewards |
Live Streaming | Yes (Esports) |
BetOnline is the leading site for online sports betting in Florida if you want the earliest lines and the most competitive odds. Unlike most online betting sites, the sportsbook makes its markets available up to a month before the sports event. Setting its lines according to sharp betting, BetOnline guarantees top prices.
Bet TV is the operator’s newest feature, offering high-quality takes on upcoming matches and giving you access to picks from the pros. Combining this feature with BetOnline’s top odds and high betting limits gives you access to sports betting like never before.
Wager live or pre-game bets on the Sunshine State’s top teams, from the Miami Dolphins and the Tampa Bay Heat to pro women’s sports teams like the Tampa Bay Rowdies. Same game parlays, odds boosters, and mega parlays are accessible for most markets, for high-risk, high-reward betting.
While you won’t find live streaming for sports matches, BetOnline makes it easy to keep up with the action using a live match tracker.
BetOnline Pros:
- New Bet TV offers the top pro picks
- Releases lines early for hot odds
- Applies high betting limits
- Offers Same Game and Mega Parlays
BetOnline Cons:
- Doesn’t live stream sports events
- Mediocre sports welcome offer
3. Everygame (9.6/10)
Year Established | 2021 |
Licensed With | Curaçao eGaming |
Welcome Bonus | 50% up to $200 & WELCOME200 |
How Many Sports | 23+ |
Payment Options | Cryptocurrency, Visa, MasterCard, Discover, American Express, BetterEFT, Paysafecard, E-Wallets, Jet EFT |
Mobile Compatibility | Android, iOS |
Rewards Program | No |
Live Streaming | No |
With over 23 sports to bet on and more than 1,000 markets on soccer alone, Everygame provides extensive betting options.
This large array of choices can make it challenging to find the hottest matches and markets of the day, which is why Everygame puts them all in one place. You can access the top matches of the day and their odds on the sportsbook’s home page for quick betting, so you never miss out.
This top site takes online betting in Florida to the next level by including top stats and pointers on teams in upcoming matches, giving you pause for thought before putting money down. You can also find polls run by the site, where other bettors give their input on who they predict will win.
Last-minute bets are also a thing at Everygame and give you a final chance to place bets before the lines close. Hot orange banners make these options stand out, so you don’t miss out. Besides pre-game and in-play wagering, Everygame also offers half-time betting, giving you more ways to win.
While the sportsbook provides over 15 ways to deposit funds into your betting account, its withdrawal methods are limited. Payouts are capped at $2,500 weekly, so if your bet on the Tampa Bay Lightning brings in the big bucks, you’ll need to make several withdrawals.
Everygame Pros:
- Features polls and tips on matches
- Highlights the hottest bets of the day
- Provides halftime betting for added markets
- Has 15+ safe and secure ways to deposit
Everygame Cons:
- Withdrawals limited to $2,500 weekly
- Could offer more sports markets
4. Bovada (9.5/10)
Year Established | 2011 |
Licensed With | The Autonomous Island of Anjouan Union of the Comoros |
Welcome Bonus | Sports Welcome Bonus up to $750 & BTCSWB750 |
How Many Sports | 30+ |
Payment Options | Cryptocurrency, Visa, American Express, MasterCard, Bank Wire |
Mobile Compatibility | Android, iOS |
Rewards Program | 14-Tier Bovada Rewards |
Live Streaming | Yes (Esports) |
Regulated sites for sport betting in Florida are often limited in the maximum bet amount they can accept. Bovada, on the other hand, offers some of the highest betting limits we’ve seen, making those high-stakes bets possible. With monthly withdrawal limits of up to $180,000 using crypto like Litecoin, you can win big and receive your payouts with ease.
Bovada makes it easier to bet on more by offering several welcome offers and odds boosts. Despite the slim selection of ongoing promos, the operator’s 14-tier rewards program keeps you going with regular offers and perks.
You can enjoy an extensive range of betting markets, too. Bovada offers over 1,700 markets on soccer in a day, making it simple to bet on the Orlando Pride and Inter Miami CF. While we would like to see more beach sports offered, Bovada covers all the pro sports that feature FL teams.
Bovada’s racebook is worth checking out. Covering races at Gulfstream Park and Tampa Bay Downs, it is one of the best betting sites for horse racing fans in Florida.
Bovada Pros:
- Access some of the highest betting limits
- Withdraw up to $180,000 using LTC
- Join a 14-tier loyalty club for top perks
- Features racing markets on Gulfstream Park
Bovada Cons:
- Limited ongoing bonus options
- Could offer more beach sports
5. BetUS (9.4/10)
Year Established | 1994 |
Licensed With | Central America, the Netherlands Antilles, and the Island of Mwali |
Welcome Bonus | 125% Sign Up Package & JOIN125 |
How Many Sports | 30+ |
Payment Options | Cryptocurrency, Visa, MasterCard, American Express, Bank Transfers |
Mobile Compatibility | Android, iOS |
Rewards Program | 7-Tier Membership Program |
Live Streaming | No |
Despite being a well-established online sportsbook, BetUS brings home all the most innovative features. BetUS TV provides hours of quality viewing, delivering the latest sports updates, news, pro picks, and hot tips on upcoming events.
If you don’t have time to watch, the Florida sports betting site also has a newsroom, The Locker Room. Packed with stats, standings, tips, and updates on all the sports covered by the site, you can’t go wrong. If you’re new to FL sports wagering, browse the BetUS blog, where you can learn everything from sport betting rules to which wagers are top for each sport.
A list of last-minute bets on the sportsbook’s homepage means you won’t miss out on any of the upcoming matches and saves you sifting through the markets just before the lines close. In-play betting and pre-match wagering ensure you have access to all the action.
Boost your initial bankroll with one of BetUS’s welcome bonuses, and keep it going by coming back for the ongoing offers, too. The VIP club is also a top option if you’re looking to get more for your money.
BetUS Pros:
- Stream BetUS for the hottest picks
- Get stats and updates from the Locker Room
- Features last-minute, quick betting markets
- In-depth betting insights via the sportsbook’s blog
BetUS Cons:
- Welcome offers have a $100 min deposit
- Limited details on withdrawal limits
Choosing the Best Florida Betting Sites
While there are plenty of Florida sports betting sites, knowing what to look for makes it easier to pick the best ones. When it comes to how we rate online sportsbooks, the sites must meet the criteria on our checklist. We share this list with you below so you know what to look for:
- Read Reviews – If you want an honest take on the sportsbook you want to join, check out reviews. Guides and bettor reviews give you an unfiltered and unbiased look at what’s hot and what’s not at a particular sportsbook.
- What Bets Are Allowed? – If you enjoy a particular betting style or market, it is vital to check that the Florida sportsbooks you’re interested in provide these options.
- Odds Pricing – Look around for the best-priced odds. Top betting sites will base their pricing on betting action and algorithms rather than blindly following the prices of other sportsbooks.
- Welcome Bonus – Many sites try to hook you in with generous welcome offers, but don’t be fooled. Before jumping in to claim the offer, make sure the terms and conditions are achievable and fair.
- User Experience – Test how the site functions and check that the features are functional and responsive. There is nothing worse than signing up and depositing funds only to discover the sportsbook hangs when you’re trying to wager live bets.
- Deposits & Withdrawals – Top sportsbooks in Florida provide efficient transactions. Make sure that the sportsbook offers methods you recognize and feel safe using. It is also worth looking at minimum and maximum deposit limits and transaction fees.
- Customer Service – Trying out the customer support before you sign up is a must. Support should be available 24/7 using methods like live chat or a phone line that ensures instant help when you need it. You’ll also want to check that the support team is friendly, efficient, and knowledgeable.
- Safety & Security – Lastly, always make sure the Florida betting sites you’re joining are safe. The best way to do this is by validating that the site has a license from a reputable gaming authority. You can do this by checking the licensing information at the bottom of the operator’s homepage.
How To Bet on Sports in Florida
Getting signed up with Florida sports betting sites is fairly simple. If this is your first time creating an online betting account, follow along with the quick steps below:
1. Select a Florida Betting Site
Get started by choosing one of the sportsbooks available in Florida from our list. Selecting a site from here gives you access to safe, top-quality betting.
2. Register
After launching the sportsbook’s website, click the “Sign Up” button. Add your details to the registration form before clicking the “Join” button. You may need to verify your new profile, which you can do by clicking the email link that the sportsbook will send you.
3. Deposit
Open the sportsbook’s “Banking” page and choose your payment method from the list of options. Provide your deposit amount and any additional details the site may need.
4. Claim a Bonus
Add your sports welcome bonus code to the relevant box on the deposits page. Only once you have done this should you click “Deposit.”
5. Start Betting
Now that you have your bonus and betting funds, you can head to the sportsbook to find the sport, match, and team you want to bet on. Clicking the match will highlight all the markets and odds offered for that game.
Select the odds for the market and team you want to back and add your bet value to the bet slip. Then, click “Place Bet” to submit your wager.
Retail Sports Betting vs Online Sportsbooks in Florida
Retail sports betting in Florida is limited to a few select locations. While these establishments provide a great social atmosphere, they are also limited in their operating hours, sports coverage, and betting options.
For these reasons and many others, FL online sportsbooks make more sense. Some of the top factors that set these online sportsbooks apart include:
- Larger Sports Coverage – Online sportsbooks have the capacity to offer more extensive coverage and streaming of local and international sports events, so you have more to bet on and enjoy.
- Extensive Bonus Offerings – Unlike retail sportsbooks, online betting platforms offer a good selection of bonuses and offerings, from free bets, odds boosts, and deposit matches to reload promos.
- Bet From Anywhere at Any Time – Thanks to modern technology, you can bet online using a range of devices, making it easy to bet from anywhere, 24/7.
- Increased Security and Privacy – Many Florida betting apps and sites accept cryptocurrencies, making it easier to play anonymously and enjoy secure transactions.
- Offer Better Odds – Since online sportsbooks don’t have overheads that come with renting premises and hiring a large staff complement, they can charge lower vigorish, which means you get better odds.
Promotions for Florida Online Sportsbooks
An exciting feature offered by Florida online sportsbooks that is often overlooked is the selection of bonuses. Using these promos is a great way to boost your betting options, and you can find them in a variety of styles:
Welcome Bonus
As a new bettor signing up, you have access to welcome bonuses. While these offers are generous, it is important to remember that you can only claim them when making your initial deposit with the sportsbook. Deposit matches, free bets, and cashbacks are some popular options.
Best Option: BetWhale, 200% up to $6,000
Reload Bonus
Many FL sportsbooks don’t end their promos with a welcome offer. Instead, they feature an assortment of reload promos that you can claim based on your betting style. Free bets, deposit matches, odds boosts, and bet insurance are just some of the options you can find.
Best Option: BetUS, 100% Crypto Re-Up up to $1,500
Risk-Free Bets
Free bets are a great way to try bets on sports you may not have bet on before. These bonuses offer a free bet of a given value on a specific sport, event, or market. If you claim the offer and win the bet, you keep the payout minus the original stake.
Best Option: BetOnline, 50% up to $250 in Free Bets
Odds Boosts
Some betting sites offer improved prices on particular lines. Placing bets using these boosts means winning bets get paid out at these increased prices, earning you more for your money.
Best Option: Bovada, Daily Odds Boosts
Bet Insurance
Betting insurance is a great promo if you’re new to sports betting. This promo offers to pay back your original stake (up to a given value) if your bet is unsuccessful but meets specific parameters. For example, BetOnline offers bet insurance on the Miami Grand Prix – if your pick doesn’t finish the race, the sportsbook will pay back your initial stake up to the value of $50.
Best Option: BetOnline, Miami Grand Prix DNF Insurance up to $50
Top Sports to Bet on in Florida Betting Sites & Apps
Florida is home to over 13 pro sports teams, which means there is always something exciting to bet on. The state is also home to some of the most anticipated sporting events, such as the Daytona 500 (NASCAR), the Miami Masters (ATP Tour), and the PGA Tour (Golf). Other top US sports covered at top Florida sports betting sites include:
NFL Betting
If you’re a football fan, you have plenty of teams to back. Coming in hot from Florida are the Jacksonville Jaguars, Miami Dolphins, and Tampa Bay Buccaneers. Top football betting sites in FL offer extensive coverage of these teams and NFL games.
NBA Betting
The fast-paced action of basketball makes it a hot pick for bettors in the Sunshine State, and with two teams to bet on (Orlando Magic and Miami Heat), you’re never short on betting opportunities.
MLB Betting
More than half of the MLB teams carry out their spring training in Florida. But it is the state’s two pro teams, the Miami Marlins and the Tampa Bay Rays, that bettors in the state are backing when putting money on runlines.
NHL Betting
Despite its tropical climate, Florida is home to two National Hockey League teams. While the Florida Panthers have a solid following, the Tampa Bay Lightning are the ones to watch, having taken home the Championship in 2021.
Florida Sports You Can’t Bet On
Despite offering many exciting betting options, Florida sports betting sites are prohibited from providing specific markets. So, let’s look more closely at what you can and can’t bet on at the state’s sportsbooks.
- NFL Draft – Many states that offer sports betting don’t allow wagering on the draft because it isn’t classified as a sports event. Surprisingly, Florida is one of the few US states that allows betting on the NFL draft.
- Politics – In 2024, election betting became legal for US bettors. However, offshore sportsbooks are still the best bet for these sorts of wagers, with a more diverse offering and hotter odds.
- Entertainment Award Ceremonies – Unfortunately, betting on the Oscars, Grammys, or Emmys is prohibited in the Sunshine State. But you can find odds on these markets at offshore sportsbooks.
- Esports – Wagering on top Esports leagues like DOTA 2, CS: GO, and League of Legends is currently not permitted in Florida.
Other Types of Gambling in FL
Florida has a few alternatives to sports that you can gamble on, including:
Casino
Online casino gambling in Florida is prohibited, but you can enjoy your favorite casino games at the state’s six land-based casinos. These are all run by Florida’s Seminole Tribe.
Sports Trading/Markets
Currently, regulated Florida sports betting sites don’t offer betting on sports trading. But, you can often find these options at top offshore sportsbooks like BetOnline.
Horse Racing
Pari-mutuel betting is legal in Florida, allowing you to bet on harness and thoroughbred racing. The state is home to several top racecourses, including Tampa Bay Downs and Gulfstream Park, with the Florida Division of Pari-Mutuel Wagering overseeing racing betting. FL bettors can wager online horse racing bets using platforms like DraftKings.
Daily Fantasy Sports
DFS is not authorized in the Sunshine State, but it isn’t explicitly prohibited either, which means DFS operators like DraftKings and FanDuel offer their services to Floridians.
Poker
You can legally play poker in Florida at designated card rooms, but there is a caveat – a pot limit of $10 applies. If you’re looking for high-stakes poker gaming, your best bet is offshore gambling sites.
Available Sports Wagers at Legal Florida Online Sportsbooks
Online betting gives you access to a fantastic range of betting markets. Top FL sportsbooks feature multiple lines specific to a particular sport, giving you plenty of ways to back your favorite teams and win. Some of the most widely provided lines include:
- Moneyline – The most straightforward bet there is and a top option for new sports bettors, the moneyline lets you put money on the team you think will win the game outright.
- Parlays – Considered the most risky bet, a parlay requires you to wager several bets on a single or multiple games to create your wager. To earn your payout, you must win all of the smaller bets.
- Totals – This wager calls for you to bet on the total combined points of both teams. The sportsbook outlines its prediction of the total score, and you need to wager whether you think the total will be over or under the sportsbook’s prediction.
- Point Spreads – Florida sports betting sites offer point margins to close the gap in the odds, making them more favorable. For a bet on the favorites to win, the team must win outright by more points than the spread. If you’ve backed the underdog, the team will need to win outright or lose by fewer points than the spread for you to win your bet.
- Futures – This wager offers impressive payouts but can be challenging. Before the season opens, operators offer futures bets such as which team will win the tournament outright.
- Prop Bets – Sportsbooks offer a range of sport-specific bets that you can place called props. These bets allow you to wager on player performance in a game (who will score the first touchdown or goal, or who will win woman of the match) and happenings within the game, like which team will have the most corners or be the first to score in the second half.
- Live Bets – In-play wagers allow you to place bets on sports events already in play. Keep in mind here that the odds aren’t fixed, but instead fluctuate as the game advances.
Responsible Gaming in Florida Sports Betting Sites
For most, placing bets at sportsbooks available in Florida is a fun form of entertainment, but for others, it can be the pathway to problem gambling. Top online sportsbooks are aware of this and offer responsible gambling tools. These tools may come as self-exclusion programs, limits you can set on the time and money you spend on the site, or external resources.
If you’re struggling with problem gambling or are worried you may be heading in that direction, it is worth reaching out to organizations like the National Council on Problem Gambling and the Florida Council on Problem Gambling.
Our Top Florida Betting Site
Through our extensive research and testing, we have concluded that BetWhale is the best Florida sports betting site. The sportsbook offers a range of thrilling promos, live streams sports events in play, and ensures competitive odds across the most followed sports in the state.
Florida Sports Betting FAQ
Does Florida allow sports betting?
Yes, sports betting is legal in Florida. The state’s Seminole Tribe offers regulated sports betting through its retail and online sportsbooks.
Can I bet on sports online in Florida?
You can bet online or using mobile devices by visiting Florida’s regulated sportsbook, Hard Rock Bet. Alternatively, there are many top offshore sportsbooks accessible to FL bettors.
What are the best Florida sports betting sites and apps?
Florida sports betting apps are limited to just one regulated option, Hard Rock Bet. While this option offers a range of betting choices, offshore sportsbooks like those we recommend are far more diverse in their offerings, making them a much better option overall.
What sports can I bet on in Florida?
Florida offers a range of sports for you to bet on, from Jai Alai and horse racing to golf, basketball, hockey, baseball, and football. It is also a popular state for water sports like surfing and sailing.
Are offshore betting sites legal for Florida residents?
Offshore sportsbooks sit in a legal gray area that makes them neither legal nor illegal. In other words, you can access them without breaking the law.
What payment methods can I use for sports betting in Florida?
Florida sports betting sites provide a diverse range of secure and user-friendly online payment methods, including credit cards, debit cards, e-wallets, bank transfers, and cryptocurrencies like Bitcoin.
Are there any sports betting bonuses available in Florida?
The top sites for online betting in Florida offer a fantastic selection of sports bonuses. These range from deposit matches and cashbacks or rebates to free bets, odds boosts, and betting insurance.