Overview

• The House Insurance & Banking Subcommittee held a hearing Tuesday to examine how insurers deploy artificial intelligence across their operations.
• Industry representatives, including Paul Martin of the National Association of Mutual Insurance Companies, said Florida’s insurance code governs AI-assisted actions and keeps carriers liable for errors.
• Lawmakers such as Rep. Hillary Cassel questioned whether any statute explicitly prohibits using AI as the sole basis for denying a claim, citing concerns raised by litigation in health insurance.
• Witnesses described AI use in claims handling, fraud detection, pricing, and back-office work, and said AI-generated fraud flags receive human review before action.
• Members pressed for consumer safeguards and cost benefits, with TechNet urging targeted, sector-specific rules, and the committee chair indicating the issue is likely to return in the 2026 session.