The Florida Senate
BILL ANALYSIS AND FISCAL IMPACT STATEMENT
(This document is based on the provisions contained in the legislation as of the latest date listed below.)
Prepared By: The Professional Staff of the Committee on Judiciary
BILL: CS/SB 1184
INTRODUCER: Banking and Insurance Committee and Senator DiCeglie
SUBJECT: Residual Market Insurers
DATE: March 31, 2025
ANALYST STAFF DIRECTOR REFERENCE ACTION
1. Thomas Knudson BI Fav/CS
2. Davis Cibula JU Pre-meeting
3. RC
Please see Section IX. for Additional Information:
COMMITTEE SUBSTITUTE - Substantial Changes
I. Summary:
CS/SB 1184 transfers statutory provisions that regulate surplus lines insurers from ch. 627, F.S.,
which regulates insurance rates and contracts, into ch. 626, F.S., Part VIII, which regulates
unauthorized insurers and surplus lines. Surplus lines insurance exists to cover specific risks that
insurance companies in the standard or admitted market reject as being too risky to insure. A
surplus lines insurer is an “unauthorized insurer” made eligible by the Office of Insurance
Regulation to write specific property and casualty insurance that is not written by an authorized
or admitted insurer.
1
The bill deletes requirements in current law regarding the eligibility of insurance coverage to be
exported to (written by) a surplus lines insurer. The deleted requirements include that:
• Surplus lines agents must verify that a diligent effort has been made by requiring a properly
documented statement of diligent effort from the retail or producing agent and by seeking
coverage from and having been rejected by at least three authorized insurers currently writing
this type of coverage and documenting these rejections;
• The full amount of the surplus lines insurance policy must not be procurable from an insurer
authorized to transact and are actually writing that kind and class of insurance;
1
Florida Surplus Lines Service Office, Surplus Lines Insurance, available at https://www.fslso.com/about/surplus-lines-
insurance (last visited March 30, 2025) and Florida Surplus Lines Service Office, Surplus Lines Definitions, available at
https://www.fslso.com/docs/default-source/uploadedfiles/default-document-library/surplus-lines-definitions.pdf (last visited
March 30, 2025).
REVISED: BILL: CS/SB 1184 Page 2
• The amount of insurance exported to a surplus lines policy must be only the excess over the
amount procurable from authorized insurers; and
• Each surplus lines agent file with the Florida Surplus Lines Service Office an affidavit stating
all the surplus lines insurance transacted by him or her during each calendar quarter has been
submitted to the Office as required, including efforts made to place coverages with
authorized insurers and the results thereof.
The bill further:
• Adds additional language to the required disclosure that an agent must give to an insured
when exporting coverage to a surplus lines insurer. The added language states
“[a]dditionally, surplus lines insurers’ policy rates and forms are not approved by any Florida
regulatory agency.”
• Provides requirements regarding the nonjoinder of insurers in suits arising under a surplus
lines property insurance policy.
• Provides that a policyholder may not assign, in whole or in part, any post-loss insurance
benefit under any surplus lines residential property insurance policy or under any surplus
lines commercial property insurance policy.
• Provides that in order to meet the existing requirement that the Citizens Property Insurance
Corporation (Citizens) only appoints agents who also hold an appointment by at least three
insurers who are authorized to write and are actually writing or renewing certain types of
property coverage, an agent may satisfy the requirement for any one or more of the three
direct appointments by providing to Citizens a signed attestation confirming that he or she
has access through a broker to an authorized insurer or eligible surplus lines insurer
authorized to write and actually writing such property coverage; however, such signed
attestations do not satisfy the requirements necessary to write personal lines residential
property coverage for Citizens.
• Repeals rulemaking authority for the Financial Services Commission to declare eligible for
export generally to surplus lines any class or classes of insurance coverage or risk for which
it finds that there is no reasonable or adequate market among authorized insurers; and
• Consolidates statutory provisions related to surplus lines insurance into part VIII of ch. 626,
F.S.
The bill is not expected to have a fiscal impact on state or local governments.
The bill takes effect July 1, 2025.
II. Present Situation:
Regulation of Insurance in Florida
The Office of Insurance Regulation (OIR) regulates specified insurance products, insurers and
other risk bearing entities in Florida.
2
As part of their regulatory oversight, the OIR may suspend
2
Section 20.121(3)(a), F.S. The Financial Services Commission, composed of the Governor, the Attorney General, the Chief
Financial Officer, and the Commissioner of Agriculture, serves as agency head of the Office of Insurance Regulation for
purposes of rulemaking. Further, the Financial Services Commission appoints the commissioner of the Office of Insurance
Regulation. BILL: CS/SB 1184 Page 3
or revoke an insurer’s certificate of authority under certain conditions.
3
The OIR is responsible
for examining the affairs, transactions, accounts, records, and assets of each insurer that holds a
certificate of authority to transact insurance business in Florida.
4
As part of the examination
process, all persons being examined must make available to the OIR the accounts, records,
documents, files, information, assets, and matters in their possession or control that relate to the
subject of the examination.
5
The OIR is also authorized to conduct market conduct examinations
to determine compliance with applicable provisions of the Insurance Code.
6
Insurance companies that transact insurance in Florida or that have offices located in the state are
required to obtain a certificate of authority (COA) issued by the OIR pursuant to s. 624.401, F.S.
These companies, referred to as authorized or admitted insurers,
7
are broadly regulated by the
OIR under the Insurance Code as to reserves, surplus as to policyholders, solvency, rates and
forms, market conduct, permissible investments, and affiliate relationships.
8
Authorized insurers
are also required to participate in a variety of government mandated insurance programs and pay
assessments levied by state guaranty funds in the event of insurer insolvencies.
9
Surplus Lines Insurance
Surplus lines insurance is the market of last resort for difficult to place commercial and personal
lines risks in Florida.
10
Typically, surplus lines insurers write policies for unusual, high-risk
situations that include hazardous materials transporters, commercial trucking enterprises, day
care centers, older homes located in coastal areas, professional athletes, hospitals, expensive
boats and cars, and medical malpractice. Surplus lines insurance is coverage provided by a
company that is not licensed in Florida but is allowed to transact insurance in the state as an
“eligible” insurer
11
under the surplus lines law (ss. 626.913-626.937, F.S.). Under this law,
insurance may only be purchased from a surplus lines carrier if the necessary amount of
coverage cannot be procured after a diligent effort to buy the coverage from authorized
insurers.
12
Rates charged by a surplus lines carrier must not be lower than the rate applicable and in use by
the majority of the authorized insurers writing similar coverages on similar risks in Florida.
13
3
Section 624.418, F.S.
4
Section 624.316(1)(a), F.S.
5
Section 624.318(2), F.S.
6
Section 624.3161, F.S.
7
An “authorized” or “admitted” insurer is one duly authorized by a COA to transact insurance in this state.
8
The Insurance Code consists of chs. 624-632, 634, 635, 636, 641, 642, 648, and 651, F.S.
9
For example, Florida licensed direct writers of property and casualty insurance must be members of the Florida Insurance
Guaranty Association, which handles the claims of insolvent insurers under part II of ch. 631, F.S., and insurers offering
workers’ compensation coverage in Florida must be members of the Florida Workers’ Compensation Insurance Guaranty
Association, which provides payment of covered claims for insurers that are declared insolvent under part V of ch. 631, F.S.
10
Surplus lines insurance is insurance coverage provided by an insurer that is not licensed in Florida but is allowed to do
business in the state because the particular coverage offered is not available from Florida-licensed or authorized carriers.
Surplus lines insurers are governed under the Surplus Lines Law (ss. 626.913-626.937, F.S.).
11
An “eligible surplus lines insurer” as defined in s. 626.914(2), F.S., is an “unauthorized insurer” which has been made
eligible by the Office of Insurance Regulation to issue insurance coverage under the surplus lines law.
12
See s. 626.914(4), F.S. A “diligent effort” is defined as seeking coverage from and being rejected by at least three
authorized insurers that write the type of coverage being sought. The rejections must be documented.
13
Section 626.916(1)(b), F.S. BILL: CS/SB 1184 Page 4
Likewise, a surplus lines policy contract form must not be more favorable to the insured as to the
coverage or rate offered by the majority of authorized carriers.
14
Except as specifically stated as
applicable, surplus lines insurers are not subject to regulation under ch. 627, F.S., of the Florida
Insurance Code, which includes, in part, provisions related to ratings standard, contracts, and
attorney fees for authorized insurers.
15
The Florida Surplus Lines Service Office (FSLSO) is governed by a nine-person board of
governors consisting of eight members appointed by the Department of Financial Services (DFS)
with the insurance consumer advocate being the ninth member.
16
The FSLSO is required to
perform its functions under a plan of operation
17
that is subject to the approval of the OIR.
18
The
FSLSO is required to conduct the following activities:
• Receive, record and review all surplus lines insurance policies;
• Maintain records of the policies reported to the FSLSO and perform reports as required by
the Financial Services Commission;
• Prepare and deliver to each surplus lines agent quarterly reports of each agent’s business;
• Collect and remit to the DFS the surplus lines tax as provided for in s. 626.932, F.S.;
• Reconcile the policies provided by non-admitted insurers with the policies reported to the
service office by agents;
• Collect monthly from each surplus lines agent a service fee of up to .03 percent; and
• Other activities as specified by statute.
19
Diligent Effort
“To export” a policy means an insurance agent,
20
with the consent of the insurance applicant,
placing a policy with an unauthorized insurer under the Surplus Lines Law through a surplus
lines agent.
21
Unless an exception applies, in order to place business with a surplus lines insurer,
the agent must make a “diligent effort” to place the policy with a Florida-authorized insurer,
which is shown by having three written rejections of coverage from authorized insurers currently
writing the type of insurance being sought.
22
However, if the cost to replace a residential
dwelling is $700,000 or more, then diligent effort is seeking and being denied coverage from at
least one authorized insurer in the admitted market currently writing that type of coverage.
23
Export requirements further specify that:
• The premium rate for policies written by a surplus lines insurer cannot be less than the
premium rate used by a majority of authorized insurers for the same coverage on similar
risks;
14
Section 626.916(1)(c), F.S.
15
Section 626.913(4), F.S.
16
Section 626.921(4), F.S.
17
Section 626.921(3), F.S.
18
Section 626.921(5), F.S.
19
Section 626.921(3), F.S.
20
Typically, the applicant’s usual insurance agent works with the surplus lines agent to arrange the placement, rather than the
applicant working directly with the surplus lines agent.
21
Section 626.914(3), F.S.
22
Sections 626.914(4) and 626.916(1)(a), F.S.
23
Section 626.914(4), F.S. BILL: CS/SB 1184 Page 5
• The policy exported cannot provide coverage or rates that are more favorable than those that
are used by the majority of authorized insurers actually writing similar coverages on similar
risks;
• The deductibles must be the same as those used by one or more authorized insurers, unless
the coverage is for fire or windstorm; and
• The policyholder must be advised in writing that coverage may be available and less
expensive in the admitted market and persons insured by surplus lines carriers are not
protected under the Florida Insurance Guaranty Act with respect to any right of recovery for
the obligation of an insolvent unlicensed insurer.
24
Only three states do not require that an agent make a diligent effort before exporting a policy to a
surplus lines insurer.
25
Eighteen states require the agent to obtain at least three declinations from
authorized insurers before exporting a policy to a surplus lines insurer.
26
Assignments of Benefits
An assignment is the voluntary transfer of the rights of one party under a contract to another
party; the transfer by a party to another party of some valuable interest.
27
In 2022,
28
the
Legislature prohibited the assignment, in whole or in part, of any post-loss insurance benefit
under any residential property insurance policy or under any commercial property insurance
policy issued on or after January 1, 2023.
29
As written, the prohibition does not specifically apply
to surplus lines property insurance policies.
Nonjoinder of Insurers
Section 627.4136, F.S., establishes provisions regarding the joinder and nonjoinder of an insurer
in certain litigation. As written, these provisions do not specifically apply to surplus lines
insurers. These provisions are:
• Before a cause of action accrues against a liability insurer by a person not an insured under
the terms of the liability insurance policy, such person must first obtain a settlement or
verdict against a person who is an insured under the policy for a cause of action that is
covered by such policy.
• If an insurer pays any taxable costs or attorney’s fees that would be recoverable by the
insured but for the fact that such costs or fees were paid by the insurer, that insurer is
considered a party for the purpose of recovering such fees or costs.
• A person who is not an insured under the terms of a liability insurance policy does not have
any interest in such policy, either as a third-party beneficiary or otherwise, prior to first
obtaining a settlement or verdict against a person who is an insured under the terms of such
policy for a cause of action which is covered by such policy.
24
Section 626.916(1), F.S.
25
These states are Louisiana, Virgina, and Wisconsin. See Wholesale & Specialty Insurance Association Diligent Effort
Compliance Chart, https://www.wsia.org/docs/Diligent%20effort%20chart%202-3-17.pdf (last visited March 25, 2025).
26
Id. Ohio requires five declinations and New Mexico requires four declinations. South Carolina requires only one
declination.
27
The Law Dictionary, https://thelawdictionary.org/assignment/ (last visited March 25, 2025).
28
Ch. 2022-271, s. 21, Laws of Fla.
29
Section 627.7152(13), F.S. BILL: CS/SB 1184 Page 6
• An insurer has the substantive right to insert a provision in a liability insurance policy that
precludes persons who are not designated as insureds in such policies from joining a liability
insurer as a party defendant with its insured prior to the rendition of a verdict.
• At the time a judgment is entered or a settlement is reached during the pendency of litigation,
a liability insurer may be joined as a party defendant for the purposes of entering final
judgment or enforcing the settlement by the motion of any party, unless the insurer denied
coverage under the provisions of s. 627.426(2), F.S., or defended under a reservation of
rights pursuant to s. 627.426(2), F.S. A copy of the motion to join the insurer must be served
on the insurer by certified mail. If a judgment is reversed or remanded on appeal, the
insurer’s presence may not be disclosed to the jury in a subsequent trial.
Citizens Property Insurance Corporation
Citizens Property Insurance Corporation (Citizens) is a state-created, not-for-profit, tax-exempt
governmental entity whose public purpose is to provide property insurance coverage to those
unable to find affordable coverage in the voluntary admitted market.
30
Citizens is not a private
insurance company.
31
Citizens was statutorily created in 2002 when the Florida Legislature
combined the state’s two insurers of last resort, the Florida Residential Property and Casualty
Joint Underwriting Association (RPCJUA) and the Florida Windstorm Underwriting Association
(FWUA).
32
Citizens operates in accordance with the provisions in s. 627.351(6), F.S., and is governed by a
nine-member Board of Governors (board) that administers its Plan of Operations. The Plan of
Operations is reviewed and approved by the Financial Services Commission.
33
The Governor,
President of the Senate, Speaker of the House of Representatives, and Chief Financial Officer
each appoint two members to the board.
34
The Governor appoints an additional member who
serves solely to advocate on behalf of the consumer.
35
Citizens is subject to regulation by OIR.
Citizens may only appoint as its licensed agents those agents who also hold an appointment by at
least three insurers who are authorized to write and are actually writing or renewing personal
lines residential property coverage, commercial residential property coverage, or commercial
nonresidential property coverage within the state.
36
III. Effect of Proposed Changes:
Section 1 amends s. 626.913, F.S., to provide that the provisions of ch. 627, F.S. (Insurance
Rates and Contracts), do not apply to surplus lines insurance.
Section 2 amends s. 626.914, F.S., to remove the definition of “diligent effort.”
Section 3 amends s. 626.916, F.S., to delete current law requiring that:
30
The term “admitted market” means insurance companies licensed to transact insurance in Florida.
31
Section 627.351(6)(a)1., F.S.
32
Ch. 2002-240 s. 2, Laws of Fla.
33
Section 627.351(6)(a)2., F.S.
34
Section 627.351(6)(c)4.a., F.S.
35
Section 627.351(6)(c)4., F.S.
36
Section 627.351(6)(c)13., F.S. BILL: CS/SB 1184 Page 7
• The full amount of surplus lines insurance required is not procurable from among the insurers
authorized to transact and actually writing that kind and class of insurance;
• The amount of insurance exported shall be only the excess over the amount so procurable
from authorized insurers; and
• Surplus lines agents verify that a diligent effort has been made by requiring a properly
documented statement of diligent effort from the retail or producing agent.
The bill maintains the requirement that the policyholder acknowledge the following disclosure,
but adds the additional underlined statement:
You are agreeing to place coverage in the surplus lines market. Coverage may be
available in the admitted market. Persons insured by surplus lines carriers are not
protected under the Florida Insurance Guaranty Act with respect to any right of
recovery for the obligation of an insolvent unlicensed insurer. Additionally,
surplus lines insurers’ policy rates and forms are not approved by any Florida
regulatory agency.
The bill provides that if the acknowledgment of the disclosure is signed by the insured, the
insured is presumed to have been informed and to know that other coverage may be available.
The bill deletes rulemaking authority for the Financial Services Commission to declare eligible
for export generally any class or classes of insurance coverage or risk for which it finds that there
is no reasonable or adequate market among authorized insurers.
Sections 6, 8, 10, and 12 create ss. 626.9261, 626.9262, 626.9263, and 626.9264, F.S., to
duplicate in the surplus lines insurance law provisions that currently apply to surplus lines
insurance but currently are in ch. 627, F.S. The provisions duplicated in the surplus lines law are
those relating to:
• Insurers’ issuance of a certificate of security after issuing the applicant a supplemental
insurance policy that pays 100 percent of the deductible portion of insured construction or
reconstruction after a hurricane loss [created in s. 626.9261, F.S.; currently in s.
627.701(6)(d), F.S.];
• Insurers’ duty to acknowledge communications regarding residential property insurance
claims and investigations [created in s. 626.9262, F.S.; currently in s. 627.70131, F.S.];
• Notice of a property insurance claim [created in s. 626.9263, F.S.; currently in s. 627.70132,
F.S.]; and
• Suits arising under a property insurance policy [created in s. 626.9264, F.S.; currently in s.
627.70152, F.S.].
Sections 4, 5, 7, 9, and 11 amend ss. 627.4085, 627.701, 627.70131, 627.70132, and 627.70152,
F.S., to remove language specifying the applicability and nonapplicability to surplus lines
insurance of provisions relating to applications for insurance policies and annuity contracts;
liability of insureds, coinsurance, and deductibles; insurers’ duty to acknowledge
communications regarding claims and investigations; notice of property insurance claim; suits
arising under a property insurance policy; and risk retention and purchasing group agents,
respectively.
BILL: CS/SB 1184 Page 8
Section 13 creates s. 626.9265, F.S., to provide that a surplus lines policyholder may not assign,
in whole or in part, any post-loss insurance benefit under any residential property insurance
policy or under any commercial property insurance policy.
Section 14 creates s. 626.9266, F.S., to provide requirements regarding the nonjoinder of
insurers in suits arising under a surplus lines liability insurance policy. The bill applies to surplus
lines liability insurance, the provisions of s. 627.4136, F.S., that apply to authorized liability
insurers.
Section 15 repeals s. 627.952(1)(b), F.S., which currently requires licensure and appointment as
a surplus lines agent in order to, on behalf of a purchasing group or risk retention group to any
resident of Florida, place business through Florida eligible surplus lines carriers.
Section 16 amends s. 626.931, F.S., to remove the requirement that each surplus lines agent file
quarterly with the FSLSO an affidavit stating all the surplus lines insurance transacted by him or
her during each calendar quarter has been submitted to the Office as required, including efforts
made to place coverages with authorized insurers and the results thereof.
Section 17 amends s. 626.932, F.S., to remove reference to the quarterly affidavit filed by each
surplus lines agent with the FSLSO each quarter.
Section 18 amends s. 627.351, F.S., related to the existing requirement that Citizens only appoint
agents who also hold an appointment by at least three insurers who are authorized to write and
are actually writing or renewing personal lines residential property coverage, commercial
residential property coverage, or commercial nonresidential property coverage within the state.
The bill provides that agents writing or renewing commercial residential property coverage or
commercial nonresidential property coverage may satisfy the requirement for any one or more of
the three direct appointments by providing to Citizens a signed attestation confirming that he or
she has access through a broker to an authorized insurer or eligible surplus lines insurer
authorized to write and actually writing or renewing commercial residential property coverage or
commercial nonresidential property coverage. However, such signed attestations do not satisfy
the requirements necessary to write personal lines residential property coverage for Citizens.
Sections 19, 20, and 21 amend ss. 626.918, 626.9325, and 926.9541, F.S., to conform cross-
references necessitated due to changes made by the bill.
Section 22 amends s. 626.935, F.S., to remove reference to the report and affidavit filed by each
surplus lines agent with the FSLSO each quarter.
Section 23 amends s. 627.715, F.S., to remove reference to an exemption to the diligent effort
requirement on surplus lines agents.
Section 24 provides that the bill takes effect July 1, 2025. BILL: CS/SB 1184 Page 9
IV. Constitutional Issues:
A. Municipality/County Mandates Restrictions:
None.
B. Public Records/Open Meetings Issues:
None.
C. Trust Funds Restrictions:
None.
D. State Tax or Fee Increases:
None.
E. Other Constitutional Issues:
None.
V. Fiscal Impact Statement:
A. Tax/Fee Issues:
None.
B. Private Sector Impact:
Insurance agents exporting policies to surplus lines insurers will not have to meet the
diligent effort requirements, including the requirement that each surplus lines agent file
quarterly with the FSLSO an affidavit stating all the surplus lines insurance transacted by
him or her during each calendar quarter has been submitted to the Office as required,
including efforts made to place coverages with authorized insurers and the results thereof.
Surplus lines insurers, and those doing business with such insurers, will now have a
single source of statutory law when researching relevant statutory provisions.
C. Government Sector Impact:
The bill is not expected to have a fiscal impact on state or local government.
VI. Technical Deficiencies:
None. BILL: CS/SB 1184 Page 10
VII. Related Issues:
Section 13 of the bill creates s. 626.9265, F.S., to provide that a surplus lines policyholder may
not assign, in whole or in part, any post-loss insurance benefit under any residential property
insurance policy or under any commercial property insurance policy.
The current law relating to authorized insurers in s. 627.7152(13), F.S., has similar language
prohibiting a policyholder from assigning, in whole or in part, any post-loss insurance benefit
under any residential or commercial property insurance policy, but includes an additional
provision that provides that the prohibition on such assignment does not apply to:
• An assignment, transfer, or conveyance granted to a subsequent purchaser of the property
with an insurable interest in the property following a loss;
• A power of attorney under ch. 709, F.S., that grants to a management company, family
member, guardian, or similarly situated person of an insured the authority to act on behalf of
an insured as it relates to a property insurance claim; or
• Liability coverage under a property insurance policy.
Without this additional language included in Section 13 of the bill, the types of assignments
allowed under current law for residential property insurance policyholders of authorized insurers
will not be allowed for such policyholders of surplus lines insurers.
VIII. Statutes Affected:
This bill substantially amends the following sections of the Florida Statutes: 626.913, 626.914,
626.916, 627.4085, 627.701, 627.70131, 627.70132, 627.70152, 627.952, 626.931, 626.932,
627.351, 626.918, 626.9325, 626.9541, 626.935, and 627.715.
This bill creates the following sections of the Florida Statutes: 626.9261, 626.9262, 626.9263,
626.9264, 626.9265, and 626.9266.
IX. Additional Information:
A. Committee Substitute – Statement of Substantial Changes:
(Summarizing differences between the Committee Substitute and the prior version of the bill.)
CS by Banking and Insurance on March 17, 2025:
The committee substitute differs from the filed bill as follows:
• Removes provisions that:
o Repealed the requirement that the premium rate at which the surplus lines
coverage is exported may not be lower than that rate applicable, if any, in actual
and current use by a majority of the authorized insurers for the same coverage on
a similar risk;
o Repealed the requirement that the surplus lines policy or contract form under
which the insurance is exported not be more favorable to the insured as to the
coverage or rate than under similar contracts on file and in actual current use by
the majority of authorized insurers actually writing similar coverages on similar
risks. BILL: CS/SB 1184 Page 11
• Adds additional language to the required disclosure an agent must give to an insured
when exporting coverage to a surplus lines insurer. The added language states
“[a]dditionally, surplus lines insurers’ policy rates and forms are not approved by any
Florida regulatory agency.”
• Adds language that was not included in the provisions of the bill that duplicate in the
surplus lines insurance law provisions that currently apply to surplus lines insurance
but are in ch. 627, F.S. Language was added to s. 626.9262(7)(b), F.S., expanding the
definition of “claim”. Language was added to s. 626.9263(4), F.S., to include a
separate time limit on claims for loss assessment coverage.
• Clarifies that the added provision authorizing agents to satisfy the requirement for any
one or more of the three direct appointments required to be appointed as an agent for
Citizens Property Insurance Corporation by attesting that he or she has access through
a broker to an insurer authorized to write commercial property coverage does not
satisfy the requirements necessary to write personal lines residential property
coverage for Citizens.
B. Amendments:
None.
This Senate Bill Analysis does not reflect the intent or official position of the bill’s introducer or the Florida Senate.