Overview

• At a Florida House Insurance and Banking Subcommittee hearing Tuesday, industry leaders said AI-assisted decisions are subject to existing insurance law and that carriers remain legally responsible for errors.
• Advisers detailed how insurers use AI to speed claims processing, flag potential fraud for human investigation, refine pricing, and streamline back-office operations.
• Lawmakers referenced lawsuits alleging AI-only claim denials and asked what Florida statute forbids such practices, a question panelists did not answer directly.
• Proposals filed in the spring to mandate qualified human decision-makers and ban AI as the sole basis for denials failed to advance in either chamber.
• Tech and insurance lobbyists urged targeted action by the Office of Insurance Regulation rather than broad new statutes, as Gov. Ron DeSantis continues to push for state-level AI policy.