SESSION WATCH
Died HOUSE · SESSION 2026

No. HB 343

Insurance Solutions Advisory Council
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SPONSOR
Spencer
FILED BY
Leonard Spencer — District 45, Democrat [search donations]
EFFECTIVE
7/1/2026
DIED IN
Insurance & Banking Subcommittee

Filed under Insurance.

PROVIDED SUMMARY

Insurance Solutions Advisory Council; Creates advisory council within OIR to analyze & compile available data & evaluate relevant & applicable information relating to Florida's property & automobile insurance market; provides for membership of advisory council; provides for per diem & travel expenses; provides for meetings of council; requires office to provide advisory council with staffing & administrative assistance; requires advisory council to submit specified report annually; provides for future legislative review & expiration of advisory council.

Full bill text →

Plain English Summary

AI-GENERATED
Creates a 13-member council to study Florida's insurance market.

This bill creates a 13-member Insurance Solutions Advisory Council inside the Office of Insurance Regulation to analyze data on Florida's property and automobile insurance market and advise the office and Legislature.

Six of the thirteen seats go directly to insurance-industry representatives -- insurers, a surplus lines insurer, and agents -- appointed by the House Speaker, Senate President, and Chief Financial Officer.

The Governor appoints three members barred from working for an insurance company, including at least one consumer advocate, and chooses the council's chair from among those three.

Members serve without pay beyond expense reimbursement, at the pleasure of whoever appointed them, and the council must report annually before it automatically expires on October 2, 2029.

KEY PROVISIONS
§ 1 Creates the council within the Office of Insurance Regulation major

AIEstablishes the Insurance Solutions Advisory Council inside the Office of Insurance Regulation to analyze and compile data on the state's property and automobile insurance market, serving in an advisory capacity only.

“is created within the Office of Insurance Regulation to analyze and compile available data and evaluate relevant” bill text, line 20 →
§ 2 Reserves multiple seats for insurance-industry representatives major

AIThe Speaker, Senate President, and Chief Financial Officer each appoint members who directly represent insurers, a surplus lines insurer, or insurance agents, guaranteeing industry seats on the council.

“One member representing a surplus lines insurer.” bill text, line 36 →
§ 3 Bars Governor's appointees from insurance-company ties major

AIThe Governor's three appointees cannot be employed by or professionally affiliated with an insurance company or its subsidiary, and the Governor picks the council's chair from among the three.

“who are not employed by or professionally affiliated with an insurance company or a subsidiary of an insurance company” bill text, line 47 →
§ 4 Members serve at will, with no fixed term set moderate

AIAdvisory council members hold their seats only for as long as the officer who appointed them allows, and can be replaced at that officer's discretion at any time.

“Members serve at the pleasure of the officer who appointed them” bill text, line 63 →
§ 5 Requires an annual report, but names no recipient moderate

AIStarting October 1, 2026, the council must submit an annual report on its market analysis and recommendations, but this subsection does not itself say who must receive that report.

“the advisory council shall submit an annual report regarding its analysis as specified in subsection (1) and any recommendations” bill text, line 75 →
§ 6 Council automatically repeals in 2029 absent reenactment moderate

AIThe entire section, and the council it creates, is repealed on October 2, 2029, unless the Legislature reviews it and reenacts it before then.

“this section is repealed October 2, 2029, unless reviewed and saved from repeal through reenactment by the Legislature” bill text, line 80 →
§ 7 Subjects the council to the general advisory-council statute technicals. 20.052

AIExcept where this section says otherwise, the council must comply with Florida's general statutory requirements for advisory councils and committees.

“except as otherwise provided in this section, shall comply with the requirements of s. 20.052, Florida Statutes” bill text, line 25 →
§ 8 Office must staff and support the council technical

AIThe Office of Insurance Regulation must provide the advisory council with staffing and administrative assistance so it can carry out its duties.

“shall provide staffing and administrative assistance to the advisory council in performing its duties” bill text, line 72 →
TIMELINE
3/13/2026
Died in Insurance & Banking Subcommittee
1/13/2026
1st Reading (Original Filed Version)
11/12/2025
Now in Insurance & Banking Subcommittee
11/12/2025
Referred to Commerce Committee
11/12/2025
Referred to State Administration Budget Subcommittee
11/12/2025
Referred to Insurance & Banking Subcommittee
11/5/2025
Filed
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