Thankfully, Associated Industries of Florida (AIF), along with The James Madison Institute (which is perhaps Florida’s best line of defense for liberty), provides the research and policy recommendations that challenge the entrenched special interests that are trying to block the changes we need.
After Florida suffered years of a crisis that witnessed insurers flee our state and premiums skyrocket, the Florida legislature passed needed reforms in 2022-2024. Before these reforms, Florida represented only 6.9% of homeowners’ insurance claims nationwide. But we accounted for a staggering 76% of all related litigation. This was evidence of a broken system being exploited for profit at the expense of every Florida homeowner and the state’s businesses. The exploiters were greedy personal injury lawyers and their allies.
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These legislative reforms aimed to stabilize the market by limiting attorney fees and limiting damage claims that spiked insurance premiums. And now, the reforms enacted by lawmakers are finally beginning to stabilize the market. They are bringing relief to insurance consumers’ wallets. New insurance carriers, at least 15 companies, are entering Florida and carriers are already lowering rates. Taxpayer exposure through the Florida-created Citizens Property Insurance is declining. And the flood of frivolous litigation is subsiding, as the number of predatory lawsuits drop dramatically.
But these gains are now under attack again. Trial lawyers are working aggressively to roll back the reforms that are restoring balance to Florida’s property insurance market. We see these greedy lawyers at work, lobbying for legislation that would reopen the floodgates to the same abusive practices that wrecked our insurance system in the first place. We see the misleading promises of the Billboard Lawyers as we travel the state’s highways. The plaintiff trial lawyer playbook continues to be at work, exploiting loopholes and squeezing the system to allow the attorneys to walk away richer.
Business leaders across the state, especially Associated Industries of Florida, are focusing on protecting legislative accomplishments that ensure that the productivity generated by “the economic engines of our state no longer just transfers to the bank accounts of the trial bar”.
As AIF has stated,
“Florida needs to rein in these pugilistic attempts by trial lawyers to siphon money away from our economic engines and into their billboard empires.”
The good news is that significant rollbacks to property insurance reforms will probably not be heard in the 2026 Legislative Session or any Special Sessions; the Florida Senate President has said, “time constraints and competing legislative priorities (are) reasons major insurance legislation is not expected to move forward this year.” But in any event, AIF and Florida business leaders oppose any proposals that encourage more litigation and enrich trial lawyers at the expense of Florida businesses.
Other stories you may want to read:
Marc Wigder for City Council: Hands-On Attention for Boca Raton
- John R. Smith: National Debt Hits Stratosphere - March 22, 2026
- John R. Smith: Florida Net Migration Trends Are On the Move - March 16, 2026
- John R. Smith: Diversity Has Two Faces, and a Downside - March 11, 2026