The Florida Senate

HB 943: Citizens Property Insurance Corporation

GENERAL BILL by Redondo

Citizens Property Insurance Corporation; Requires corporation to implement commercial lines clearinghouse for specified purposes; authorizes approved surplus lines clearinghouse insurers to participate in commercial lines clearinghouse; prohibits such insurers from participating in personal lines clearinghouse; specifies that participation in program is not mandatory for such insurers; specifies circumstances under which policyholders of corporation are not eligible for commercial lines residential coverage with corporation; authorizes applicants or insureds to elect to accept coverage with specified insurers or elect to accept or continue coverage with corporation; requires certain applicants & policyholders to pay specified premium for corporation coverage; revises rights & authorizations for certain independent insurance agents; removes prohibition relating to commercial nonresidential policies.

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• Bill History

  Date	Chamber	Action
  12/30/2025	House	• Filed
  1/12/2026	House	• Referred to Insurance & Banking Subcommittee • Referred to Commerce Committee • Now in Insurance & Banking Subcommittee
  1/13/2026	House	• 1st Reading (Original Filed Version)
  1/30/2026	House	• Added to Insurance & Banking Subcommittee agenda
  2/3/2026	House	• Favorable with CS by Insurance & Banking Subcommittee

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• HB 943, Original Filed Version (Current Bill Version) Posted 12/30/2025 at 10:44 AM

  Bill Text:	PDF

  Analyses:	Insurance & Banking Subcommittee (Post-Meeting) 1/31/2026 (pdf)

  Related Bills (1)

  Bill Number	Subject	Filed By	Relationship	Last Action and Location	Track Bills
  S 1028 (c1)	Citizens Property Insurance Corporation	Gruters	Similar	Last Action: 1/30/2026 S On Committee agenda-- Appropriations Committee on Agriculture, Environment, and General Government, 02/04/26, 3:45 pm, 412 Knott Building

  Committee Amendments (1)

  Amendment	Sponsor	Filed	Last Committee Action	Format
  005511 - Strike All Amendment Remove everything after the enacting clause and insert:	Redondo	2/2/2026 5:01 PM	Adopted without Objection 2/3/2026	PDF

  Citations - Statutes (2)

  Citation	Catchline	Location in Bill Location In Bill Help
  627.351	Insurance risk apportionment plans.	Page 3 (pdf)
  627.3518	Citizens Property Insurance Corporation policyholder eligibility clearinghouse program.	Page 4 (pdf)

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