SESSION WATCH
Died SENATE · SESSION 2026

No. CS/SB 1600

Community-based Care Lead Agency Liability Insurance
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SPONSOR
Children, Families, and Elder Affairs; Yarborough
FILED BY
Clay Yarborough — District 4, Republican [search donations]
EFFECTIVE
7/1/2026
DIED IN
Appropriations Committee on Health and Human Services

Filed under Healthcare.

PROVIDED SUMMARY

Community-based Care Lead Agency Liability Insurance; Requiring the Office of Insurance Regulation, in collaboration with the Department of Children and Families and other entities, to review and analyze certain data; requiring the office to provide a certain report to the Governor and Legislature; authorizing the office to levy fines or otherwise penalize insurance companies, and the department to levy fines or otherwise penalize community-based care lead agencies, for failure to timely reply to certain requests for information, etc.

Full bill text →

Plain English Summary

AI-GENERATED
Authorizes daily fines on insurers and care agencies for late replies.

The Office of Insurance Regulation and the Department of Children and Families may each fine an insurer or community-based care agency up to $500 a day, rising to $1,000 a day, for failing to answer a data request within 30 days.

The Office of Insurance Regulation must spend five years of data studying why liability insurance for these care agencies is hard to get or afford, then send the Governor and Legislature a report with recommendations by January 1, 2027.

This entire review-and-fine framework automatically expires on July 1, 2027 unless the Legislature votes to keep it, giving lawmakers only about six months after the report to act.

KEY PROVISIONS
§ 1 OIR may fine insurers up to $1,000 a day for late replies majors. 409.993

AIThe Office of Insurance Regulation may fine or otherwise penalize an insurance company that fails to reply to a request for information within 30 days, with the fine capped at $500 a day for the first three late days and $1,000 a day after that.

“may not exceed $500 per day for the first 3 days late and $1000 per day for each late day thereafter” bill text, line 65 →
§ 2 DCF may fine care agencies up to $1,000 a day for late replies majors. 409.993

AIThe Department of Children and Families gets the same fining power over a community-based care lead agency or subcontractor that fails to reply to an information request within 30 days, under the same $500/$1,000 daily cap.

“The Department of Children and Families is authorized to levy fines or otherwise penalize a community-based care lead agency or subcontractor” bill text, line 68 →
§ 3 OIR must study the care-agency liability insurance market moderates. 409.993

AIThe Office of Insurance Regulation, working with the department and the care agencies, must review five years of data on liability insurance access, cost, claims, and settlements, and its effect on care agencies' finances.

“shall review all available, relevant, and appropriate data from the previous 5 fiscal years related to liability insurance coverage and availability” bill text, line 27 →
§ 4 Findings report with recommendations due to state leaders by 2027 moderates. 409.993

AIThe office must deliver a report with actionable recommendations for legislative and agency changes to the Governor, the Senate President, and the House Speaker by January 1, 2027.

“The report must be provided to the Governor, the President of the Senate, and the Speaker of the House of Representatives by January 1, 2027.” bill text, line 58 →
§ 5 New review and fine authority automatically expires in 2027 moderates. 409.993

AIThe entire review, reporting, and fine authority created by this subsection repeals itself on July 1, 2027 unless the Legislature reviews it and votes to reenact it first.

“This subsection shall stand repealed on July 1, 2027, unless reviewed and saved from repeal through reenactment by the Legislature.” bill text, line 75 →
TIMELINE
3/13/2026
Died in Appropriations Committee on Health and Human Services
2/12/2026
Now in Appropriations Committee on Health and Human Services
2/11/2026
CS by Children, Families, and Elder Affairs read 1st time
2/11/2026
Pending reference review under Rule 4.7(2) - (Committee Substitute)
2/10/2026
CS by Children, Families, and Elder Affairs; YEAS 6 NAYS 0
2/5/2026
On Committee agenda-- Children, Families, and Elder Affairs,...
1/22/2026
Introduced
1/16/2026
Referred to Children, Families, and Elder Affairs; Appropriations...
1/9/2026
Filed
3 EARLIER →
STATUTES IT CHANGES
s. 409.993
+413 / −0
STAFF ANALYSES