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SB 84

Insurance Solutions Advisory Council

2026 Regular Session Introduced by Lori Berman

Florida bill creates advisory council to study insurance market problems and recommend policy solutions addressing affordability and insurer solvency challenges.

Died in Banking and Insurance
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Bill Summary · SB 84

Legislative bill overview

SB 84 establishes an Insurance Solutions Advisory Council in Florida to study and provide recommendations on insurance market challenges, including affordability, availability, and insurer solvency issues. The council would bring together stakeholders from the insurance industry, consumer advocacy, and state government to develop policy solutions addressing Florida's ongoing insurance crisis.

Why is this important

Florida faces a severe insurance market crisis with multiple insurer insolvencies, skyrocketing premiums, and coverage gaps—particularly in homeowners insurance. An advisory council could help policymakers identify root causes and develop coordinated solutions, though its actual impact depends on whether recommendations are implemented and how much authority council members truly have versus serving as a rubber-stamp body.

Potential points of contention

  • Industry influence concerns: Insurance companies and agents dominating the council could bias recommendations toward industry profits over consumer affordability and protection
  • Lack of enforcement mechanism: Creating an advisory body doesn't guarantee action; recommendations could be ignored if they conflict with political or industry priorities
  • Representation gaps: Unclear whether renters, small business owners, and low-income Floridians—most impacted by insurance costs—would have meaningful representation on the council

Compiled from official sources — confirm details with the bill’s official record.

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