CS/CS/HB 643: Insurance
GENERAL BILL by Commerce Committee ; Insurance & Banking Subcommittee ; Snyder
Insurance; Requires FDLE to accept & process certain fingerprints; authorizes FDLE to exchange certain records with OIR; specifies that fingerprints must be submitted in accordance with certain rules; requires FDLE to conduct certain background checks; requires certain background checks to be conducted through FBI; requires that fingerprints be submitted & entered into specified system; requires that certain criminal history records be used by OIR for certain purposes; establishes standards for compensation arrangements & oversight of affiliate transactions involving insurers, reciprocal insurers, managing general agents, & attorneys in fact; specifies requirements for affiliate compensation arrangements; removes definition of “diligent effort”; revises conditions under which insurance coverage is eligible for export; requires notification of arbitration before Division of Administrative Hearings as option for dispute resolution procedures under Citizens Property Insurance Corporation.
- Rules (RC)
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Bill History
Date Chamber Action 2/14/2025 House • Filed
2/26/2025 House • Referred to Insurance & Banking Subcommittee
• Referred to Civil Justice & Claims Subcommittee
• Referred to Commerce Committee
• Now in Insurance & Banking Subcommittee
3/4/2025 House • 1st Reading (Original Filed Version)
3/25/2025 House • PCS added to Insurance & Banking Subcommittee agenda
3/27/2025 House • Favorable with CS by Insurance & Banking Subcommittee
3/31/2025 House • Reported out of Insurance & Banking Subcommittee
• Laid on Table under Rule 7.18(a)
• CS Filed
• Referred to Civil Justice & Claims Subcommittee
• Referred to Commerce Committee
• Now in Civil Justice & Claims Subcommittee
4/1/2025 House • Added to Civil Justice & Claims Subcommittee agenda
• 1st Reading (Committee Substitute 1)
4/3/2025 House • Favorable by Civil Justice & Claims Subcommittee
• Reported out of Civil Justice & Claims Subcommittee
• Now in Commerce Committee
4/21/2025 House • PCS added to Commerce Committee agenda
4/22/2025 House • Favorable with CS by Commerce Committee
• Reported out of Commerce Committee
• Laid on Table under Rule 7.18(a)
• CS Filed
• Bill referred to House Calendar
• Bill added to Special Order Calendar (4/25/2025)
• 1st Reading (Committee Substitute 2)
4/25/2025 House • Read 2nd time
• Placed on 3rd reading
• Added to Third Reading Calendar
• Read 3rd time
• CS passed; YEAS 100, NAYS 3
4/25/2025 Senate • In Messages
• Referred to Rules
• Received
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CS/CS/HB 643, Committee Substitute 2 (Current Bill Version) Posted 4/22/2025 at 4:27 PM
Bill Text: PDF Analyses: Commerce Committee (Post-Meeting) 4/22/2025 (pdf)
Related Bills (7)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills H 881 (c1) Insurance Insurance & Banking Subcommittee Compare Last Action: 4/8/2025 H 1st Reading (Committee Substitute 1) 
H 991 (c2) Community and Economic Development State Affairs Committee Compare Last Action: 4/25/2025 H Laid on Table, refer to CS/SB 110
H 1047 (c1) Insurance Insurance & Banking Subcommittee Compare Last Action: 4/2/2025 H Now in Commerce Committee
S 230 Insurance Truenow Compare Last Action: 3/4/2025 S Introduced
S 1184 (c1) Residual Market Insurers DiCeglie Compare Last Action: 3/27/2025 S On Committee agenda-- Judiciary, 04/01/25, 4:00 pm, 110 Senate Building --Temporarily Postponed
S 1612 (c2) Financial Services Grall Compare Last Action: 4/30/2025 S Laid on Table, refer to CS/HB 1549 -SJ 976
S 1656 (c1) Insurance Regulations Collins Compare Last Action: 3/19/2025 S CS by Banking and Insurance read 1st time
Floor Votes (1)
Date Chamber Result 4/25/2025 12:42 PM House 100 Yeas - 3 Nays Citations - Statutes (7)
Citation Catchline Location in Bill Location In Bill Help 624.341 Page 3 (pdf) 624.347 Page 5 (pdf) 624.424 Annual statement and other information. Page 10 (pdf) 626.732 Requirement as to knowledge, experience, or instruction. Page 10 (pdf) 626.914 Definitions. Page 11 (pdf) 626.916 Eligibility for export. Page 12 (pdf) 627.351 Insurance risk apportionment plans. Page 14 (pdf) -
CS/HB 643, Committee Substitute 1 Posted 3/31/2025 at 3:14 PM
Bill Text: PDF Analyses: Insurance & Banking Subcommittee (Post-Meeting) 3/31/2025 (pdf)
Civil Justice & Claims Subcommittee (Post-Meeting) 4/3/2025 (pdf)
Related Bills (2)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills S 1184 (c1) Residual Market Insurers DiCeglie Compare Last Action: 3/27/2025 S On Committee agenda-- Judiciary, 04/01/25, 4:00 pm, 110 Senate Building --Temporarily Postponed
S 1612 (c2) Financial Services Grall Compare Last Action: 4/30/2025 S Laid on Table, refer to CS/HB 1549 -SJ 976
Citations - Statutes (3)
Citation Catchline Location in Bill Location In Bill Help 626.914 Definitions. Page 1 (pdf) 626.916 Eligibility for export. Page 2 (pdf) 627.351 Insurance risk apportionment plans. Page 4 (pdf) -
HB 643, Original Filed Version Posted 2/14/2025 at 2:03 PM
Bill Text: PDF Analyses: None Related Bills (1)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills S 1184 (c1) Residual Market Insurers DiCeglie Similar Last Action: 3/27/2025 S On Committee agenda-- Judiciary, 04/01/25, 4:00 pm, 110 Senate Building --Temporarily Postponed
Citations - Statutes (23)
Citation Catchline Location in Bill Location In Bill Help 626.913 Surplus Lines Law; short title; purposes. Page 3 (pdf) 626.914 Definitions. Page 3 (pdf) 626.916 Eligibility for export. Page 4 (pdf) 626.918 Eligible surplus lines insurers. Page 55 (pdf) 626.9261 Page 9 (pdf) 626.9262 Page 10 (pdf) 626.9263 Page 18 (pdf) 626.9264 Page 20 (pdf) 626.9265 Page 24 (pdf) 626.9266 Page 24 (pdf) 626.931 Agent affidavit and insurer reporting requirements. Page 27 (pdf) 626.932 Surplus lines tax. Page 28 (pdf) 626.9325 Service fee. Page 57 (pdf) 626.935 Suspension, revocation, or refusal of surplus lines agent’s license. Page 63 (pdf) 626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 58 (pdf) 627.351 Insurance risk apportionment plans. Page 29 (pdf) 627.4085 Insurer name, agent name, and license identification number required on application. Page 7 (pdf) 627.701 Liability of insureds; coinsurance; deductibles. Page 8 (pdf) 627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation. Page 10 (pdf) 627.70132 Notice of property insurance claim. Page 17 (pdf) 627.70152 Suits arising under a property insurance policy. Page 19 (pdf) 627.715 Flood insurance. Page 63 (pdf) 627.952 Risk retention and purchasing group agents. Page 26 (pdf)