SESSION WATCH
Died SENATE · SESSION 2026

No. SB 84

Insurance Solutions Advisory Council
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SPONSOR
Berman
FILED BY
Lori Berman — District 26, Democrat [search donations]
EFFECTIVE
7/1/2026
DIED IN
Banking and Insurance

Filed under Insurance.

PROVIDED SUMMARY

Insurance Solutions Advisory Council; Creating the advisory council within the Office of Insurance Regulation of the Financial Services Commission for specified purposes; requiring the office to provide the advisory council with staffing and administrative assistance; providing for expiration of the advisory council, etc.

Full bill text →

Plain English Summary

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

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

Six of the thirteen seats go directly to insurance-industry representatives -- insurers, a surplus lines company, 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 names one of the three as the council's chair.

Members serve without pay beyond expense reimbursement, at the pleasure of whoever appointed them, and the council must report annually to state leaders 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 compile and analyze data on the state's property and motor vehicle insurance markets, serving in an advisory capacity only.

“is created within the Office of Insurance Regulation of the Financial Services Commission to compile and analyze available data” bill text, line 17 →
§ 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 company, or insurance agents, guaranteeing industry seats on the council.

“One member representing a surplus lines insurance company.” bill text, line 32 →
§ 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 names one of them as the council's chair.

“who are not employed by or professionally affiliated with an insurance company or a subsidiary of an insurance company” bill text, line 44 →
§ 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 59 →
§ 5 Requires an annual report to the Governor and Legislature moderate

AIStarting October 1, 2026, the council must submit an annual report on its market analysis and recommendations to the Governor, Senate President, and House Speaker.

“the advisory council shall submit an annual report to the Governor, the President of the Senate, and the Speaker” bill text, line 71 →
§ 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 77 →
§ 7 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 69 →
TIMELINE
3/13/2026
Died in Banking and Insurance
1/13/2026
Introduced
10/6/2025
Referred to Banking and Insurance; Appropriations Committee on...
9/24/2025
Filed