Vote Yes on this bill if you want Citizens to shift more policies to the private market, create a commercial clearinghouse, allow surplus lines participation for businesses, and require some Citizens customers to pay market-level premiums to reduce taxpayer exposure.

The Florida Insurance Council, American Property Casualty Insurance Association, Florida Association of Insurance Agents, Wholesale & Specialty Insurance Association, and the Florida Chamber of Commerce may support this bill because it moves policies off Citizens, creates a commercial clearinghouse, and aligns premiums with market rates.

Vote No on this bill if you want to preserve easier access to Citizens, avoid nudging policyholders into less regulated surplus lines, keep premiums lower for those remaining with Citizens, and prevent potential coverage disruptions.

The Florida Consumer Action Network, Consumer Federation of America, condo and homeowners associations, and small business coalitions may oppose this bill because it could steer customers to surplus lines and raise costs for those who stay with Citizens.