Citizens Commercial Clearinghouse: What Changes in 2027
Florida’s new SB 1028 sends most commercial Citizens applicants through admitted and surplus lines clearinghouses starting January 1, 2027. Here is the 15% price test, who it affects, and how to prepare at renewal.
Florida Wildfire Risk 2026: Commercial Property Guide
Florida’s worst drought in years drove a surge of wildfires in 2026, and the dry season is starting again. Here is what business owners should check in their commercial property and business interruption coverage before the next fire season.
OSHA Heat Rule 2026: Florida Employer Insurance Guide
There is still no enforceable federal OSHA heat standard and Florida bars local heat rules, but OSHA inspections are active. Here is what Florida employers should do now.
Florida Commercial Property Rates Drop 20-40%: Act Now
Florida commercial property insurance rates are falling as surplus lines capital floods back in. Here is what is driving the drop, what could reverse it, and how Florida business owners should use the window at renewal.
Cyber Insurance for Florida Businesses: 2026 Guide
Why Florida businesses need cyber insurance in 2026, what policies cover, what insurers require, and how to avoid a denied claim.
Florida’s 1% Insurance Fee Ends Oct 1: What It Means
Florida’s 1% emergency assessment on property insurance policies ends October 1, 2026, two years early. Here is what the FIGA assessment change means for commercial property owners and how to use the moment at renewal.
Florida Workers’ Comp Rates 2027: 10th Straight Cut?
NCCI is recommending a 7.4% average workers’ compensation rate decrease in Florida for January 1, 2027. Here is what the 10th straight cut means for your business and how to capture the savings at renewal.
Florida Commercial Insurance Trends 2026: What’s Changing
Commercial property rates are falling, casualty pressure persists, and Florida’s market is stabilizing. Here are the 2026 commercial insurance trends Florida business owners should act on now.