DEO’s Ken Lawson Shares Importance of Investing in VISIT FLORIDA, the QTI Program, and Communities Impacted by Hurricanes

With the Florida Legislature currently putting finishing touches on Florida’s next state budget, Florida Department of Economic Opportunity CEO Ken Lawson tells the Florida Chamber’s Bottom Line that Floridians enjoy a friendly tax climate because of Florida’s visitors contributing to the economy.

“By virtue of tourism, we’re not paying a state income tax. Out-of-state tourists are investing in Florida, spending money across the state, that means that’s increasing our tax base. So, it’s very important that VISIT FLORIDA is funded to help market the state across the country and the world.”

-Director Ken Lawson
CEO, Florida Department of Economic Opportunity

Director Lawson, Florida’s top economic development leader, also shared the importance of not letting the Qualified Targeted Industries (QTI) program sunset.

“QTI is a great tool for small, medium and large communities across Florida. This tool causes companies to create jobs in aerospace, finance and diversified areas,” he explained about the program that allows job creators who invest in their business, create jobs and pay their taxes, to seek tax refunds based on their investment.

Director Lawson also highlights how DEO is playing a vital role in helping with long-term hurricane disaster recovery.

“Under Governor DeSantis’s leadership, DEO is fully committed to long-term disaster recovery, ensuring they put funds out across the State of Florida,” Lawson said. “With Hurricane Irma, we awarded $300 million so far, with Hurricane Michael we are working on our state action plan.”

Call, Text, Email Your Lawmaker

Florida’s businesses need your support. Reach out to your lawmakers and encourage them to support continuing Florida’s QTI program and VISIT FLORIDA. Find your Representative HERE. Find your Senator HERE.

The Florida Chamber also has a goal for every community to have resiliency plans in times of natural disaster. Tell us HERE about your community’s resiliency plan.

Keeping Florida Open for Business

As the 2017 Hurricane Season comes to an end, we’d like to thank some of the Florida companies that ensured our state remained open for business after Hurricane Irma:

  • AT&T set up a website that let anyone stateside register the cell phone number of a family member or friend who is an AT&T wireless company in Puerto Rico so they would be notified once the customer in Puerto Rico connected.
  • AvMed collected funds and supplies from their associates to assist those associates impacted in their sister company.
  • Airbnb offered free accommodations to families who needed a safe place to stay.
  • Edyth Bush Charitable Foundation expedited grants to provide a new generator to Dupugh Nursing Home.
  • Equality Florida directed fundraising efforts of their national, state and local partners in response to both Irma and Maria, as well as helping mobilize Orlando United efforts to get resources to Puerto Rico.
  • Florida Blue spent $1 million across Florida and $50,000 to Puerto Rico and the United States Virgin Islands. In addition, they established an employee assistance fund for Florida Blue employees.
  • FloridaMakes worked directly with manufacturing firms that were impacted and coordinated with Florida Department of Economic Opportunity and other partners on business disaster recovery.
  • Nemours Children’s Health System worked with state officials and offered free pediatric telemedicine visits throughout Florida. Florida Hospital and Orlando Health also provided free telehealth services.
  • Seminole State College of Florida, St. Petersburg College, Tallahassee Community College, Valencia College and 35 other colleges and universities waived out-of-state tuition for students who are coming to Florida from Houston, Puerto Rico and the Virgin Islands.
  • Take Stock in Children conducted a full impact assessment as it relates to students and their families as well as our mentors and the schools they served and provided assistance where needed.
  • Florida Power & Light, Gulf Power and Duke Energy sent teams to work around the clock to help restore power at record rates.
  • Publix shipped supplies to the Florida Keys and reopened stores as soon as they were able, to provide quality service to people without power in their communities.
  • Companies like Uber and Lyft provided much-needed transportation.
  • NCH Healthcare System in Naples served over 15,000 hot meals to those safely sheltering in their hospitals.
  • CSX helped bring feed in for cattle.
  • United States Sugar Corporation delivered truckloads of water and ice to residents in Immokalee prior to FEMA’s arrival.

And our partners at State Farm, AllState, American Traditions, RenaissanceRe, Association of Bermuda Insurers and Reinsurers, Personal Insurance Federation of Florida, Florida Association of Insurance Agents, and Property Casualty Insurers Association of America.

To share your hurricane story, email

Florida-based Companies Do Their Part After Matthew

Hurricane Matthew, a major hurricane that barely missed Florida’s east coast, caused a substantial amount of damage to Florida. Florida’s east coast from Miami to Fernandina Beach saw the effects of Matthew, triggering evacuation notices for nearly 1.5 million Floridians and causing power outages throughout the state.

Florida’s first responders deserve a great deal of praise for their ability to maintain safety and order in the nearly 400-mile-long path of the hurricane. In addition, I think it’s important to recognize some of our very own Florida-based companies who helped our first responders do their jobs effectively, allowing for our residents to return to normal as soon as possible.

Harris Corp., Florida Power & Light, Duke Energy, Tampa Electric, Gulf Power, and JEA, some of Florida’s largest employers, worked to restore power and ensure the safety and security of our citizens during the storm. Each company had a role to play and performed remarkably.

Florida Power & Light worked diligently throughout the storm to restore power to over 1.2 million customers. Power was restored to 70 percent of FP&L customers within 24 hours and to 98 percent of their customers within 48 hours. This response was not hastily put together, but rather, was the result of years of planning and development.

Duke Energy set a company record for the pace at which they were able to restore power to nearly 1.5 million customers in North and South Carolina, while Tampa Electric restored power to the more than 11,000 Floridians in their areas that were impacted, and then quickly moved nearly 300 of their employees to help restore electric services in other communities in Florida.

Gulf Power, while not directly affected by Matthew, joined the dozens of utility companies who were staged around the state waiting for the storm to pass. When the immediate threat was over, they sent equipment and personnel to aid in the recovery process for Florida homeowners. Altogether, nearly 15,000 workers from around the country were on the ground to deliver a quick recovery.

Another important role in the response to the storm came from Harris Corporation, operator of the Statewide Law Enforcement Radio System (SLERS). Matthew marked the 10th hurricane in a row that SLERS remained fully operational with no reported service interruptions. During Hurricane Matthew, officers sent and received 2.2 million calls, keeping them connected and safe while in harm’s way. Harris is also the radio provider for FP&L, ensuring their technicians were always aware of the most time sensitive power restoration needs.

Special recognition needs to be given to the dozens of local chambers of commerce in communities up and down Florida’s east coast. Before and after the storm, the Florida Chamber was in contact with local chambers in the impacted area, ensuring they were both prepared in advance and safe following the storms impact.

Local chambers of commerce are often the primary organization many look to for leadership and guidance during the recovery process. With that in mind, the Florida Chamber was pleased to connect impacted local chambers on a conference call with U.S. Senator Marco Rubio – facilitating FEMA and post-storm recovery information and assistance.

As Florida moves on and continues the recovery process, as businesses return to normal and communities put cleanup efforts behind them, the Florida Chamber recognizes that hurricanes are part of Florida’s reality. Yet, in our state’s time of need, Florida businesses came together, stepped up and showed the world that when Florida businesses unite, Florida wins.

After Matthew, Flagler Remains Strong

Gretchen Smith, Flagler County Chamber of Commerce

Living through a natural disaster like Hurricane Matthew reminded employees of the Flagler County Chamber of Commerce about the important role our organization plays before, during and after a hurricane.

Preparation for the storm began with a call to action from Flagler County’s Emergency Operations Center, which mobilized leaders, groups and organizations throughout the county. Conference calls were scheduled twice daily to update community partners and ask them to spread information to their respective audiences. Our chamber utilized multiple communications channels to continually update our 750 member businesses about evacuation plans, emergency shelters, forecasts and other disaster-related information before and as the storm made landfall.

After the storm, our communications role continued. With electricity but without Internet access or main telephone service, staff returned to the Chamber headquarters and began checking in with our members. In the days that followed, we used our personal cell phones to try to reach as many members as we could to offer our support and service. Most seemed genuinely appreciative to hear from us and many shared stories of how they’d fared during the storm. Others had issues they needed to address immediately and we helped expedite those requests as best we could.

In the coming days, weeks and months, our businesses and residents will continue to need support, and as a result, we are working on grant and funding opportunities to assist our most-impacted members. Challenges still exist but our community is stronger having experienced this disaster.  We are grateful for our government partners and dedicated staff, elected officials, clubs, organizations, residents and neighbors who all rallied to help one another. We are proud to report that the Flagler County Chamber of Commerce is #FlaglerStrong.

Creating Competitive and Stable Insurance Markets

DOWNLOAD Our Property Insurance Reform One Pager

Creating a competitive and stable insurance market will lower costs for Florida’s policy holders. We must continue initiatives like reducing the size and exposure of Citizens Insurance, reforming Florida’s Catastrophe Fund, spreading risks, reducing fraudulent claims and allowing for creative solutions for the issues homeowners and businesses face. Reforming Florida’s broken property insurance system will help reduce taxpayer risk in the event of a catastrophic storm and further improve Florida’s business climate.

  • Citizens Property Insurance
    Since 1900, 180 hurricanes made landfall in the United States. More than 65 of those landed in Florida. This one element of Florida’s geography leads to a marketplace for property insurance that is far more complex than other states. We must continue to fight for legislation that spreads risk and empowers Floridians to invest in their safety. The Florida Chamber has long advocated that homeowners should be provided with creative, market-based solutions to our natural disaster risks, instead of the ill-conceived and anticompetitive government programs to which we have too often turned.
  • Florida’s Catastrophe Fund
    Instead of relying on good luck to protect Floridians, the Florida Chamber believes that improving the claims paying ability of the Florida Hurricane Catastrophe Fund will reduce the need for hurricane taxes on businesses, families, charities, churches and automobile policyholders. This can be achieved by taking advantage of favorable market conditions in the private reinsurance markets.
  • Flood Insurance
    We must continue to push for legislation that will create an actuarially sound flood insurance market.
  • Assignment of Benefits
    The “assignment of benefits” issue is one the Florida Chamber has been actively fighting to reform in an effort to reduce fraud and abuse in our state’s insurance system. Inflated claims through assignment of benefits are the result of an increase in the number of claims in which the policy has been signed over to a third-party repairing the damage, where the third-party is also working with a trial lawyer. In these instances, the damages are repaired before the insurer can even come out to adjust the claim, and then the trial lawyer sues for additional damages beyond what was necessary.

We must fight to keep consistent tax and regulatory systems, continue to reign in our state’s government run property insurance company and champion a fair legal climate to improve job growth.

Instead of short-term solutions from well-funded plaintiff trial lawyers with special interest agendas, the Florida Chamber is focused on creating long-term sustainable solutions so Florida can continue to attract, add and grow the top businesses in the nation. Tell us how insurance issues affect your ability to do business in Florida by contacting Carolyn Johnson.

Florida Still Has Too Much Hurricane Risk

While Florida has billions of dollars invested in hurricane risk, we’ve been fortunate no hurricane has made landfall since 2005. However, there’s a really tricky thing about hurricanes — they are impossible to predict when and where they will hit in advance of the season.

As someone who makes forecasts for a living — economic forecasts, not weather — we know that using the past to forecast the future is fraught with difficulty. If you had taken a look at the history of hurricane landfalls in Florida, you would likely have never forecast zero hurricanes to hit Florida during any year. Frankly, had you forecast the number hitting Florida to be zero in the last 10 years, nobody would have believed you, but that’s what has happened.

And even though Florida’s Hurricane Catastrophe Fund has a substantial amount of cash, most Floridians don’t realize the CAT Fund borrows money (called pre-event bonding) to make sure we have enough resources in case a severe storm or series of storms hits.

The fund currently relies on about $2.7 billion in borrowed money. This gives the fund the liquidity it needs to cover its obligations for the year. However, the risk is that once we deplete the fund or have to draw it down substantially, Floridians are at risk in subsequent hurricane seasons. On top of that, we’ll have to pay back the borrowed money.

The fortunate thing is the lack of hurricanes hitting Florida has given the fund an opportunity to increase its cash on hand as it prepares for the inevitable hurricanes. However, Florida still has too much hurricane risk in its overall portfolio.

As is common with other types of portfolios, managers reduce risk by hedging, often by purchasing options that will protect their position. In Florida’s case, that would be purchasing reinsurance to protect a portion of the cash balance in the fund, or cover the money the fund borrowed in advance to be ready for the hurricane season. Managing Florida’s risk to preserve the fund’s cash so that Floridians will be paid in a timely manner for storm damages helps to lay off risk to others. Yes, it costs money, just as it costs money to insure any other asset.

Some people will say we don’t need to lay off any of our risk to those outside the state — and you know they just might be right — none of us will know until after the hurricane season ends. But we also know they can’t predict hurricanes with any certainty either.

We should remember that a storm the size of Andrew, and the damage that it inflicted on Florida, was widely believed to not be possible at the time. All the hurricane models had to be updated after Andrew, and insurance became almost unobtainable in many parts of Florida after that storm.

Even after the multiple hurricanes of 2004-05, we learned that a series of smaller storms can deplete the cash of the fund, and assessments or “hurricane taxes” are applied to insurance policies on Floridians’ homes, cars, boats and motorcycles.

And much has changed to increase our risk since the last hurricane landfall. Our state has grown by an additional 2.5 million people.

While it may be challenging to predict the future based on past experience, one thing is certain. It took Florida more than 10 years to build up the cash we currently have to help pay for future storms. Given that reinsurance costs are near historic lows, now might be a good time to insure some of the $2.7 billion Florida has borrowed.


May 17, 2016 | Articles |
By Dr. Jerry Parrish, Chief Economist, Florida Chamber Foundation

Is Florida Prepared for the Next Big Storm?

Florida’s property insurance rates are some of the highest in the country. Why? This video explains why your property insurance bill is higher…and what you can do about it.

Florida’s 2004-05 Hurricane Seasons Caused More Than $70 Billion in Damage?

When Hurricane Sandy struck the Mid-Atlantic region three years ago, the estimated loss in business activity totaled $19.9 billion. Imagine the effect on Florida’s economy if even a small percentage of Florida’s 2 million businesses were disrupted by a hurricane or superstorm.

With hurricane season underway, it is essential that Florida businesses have disaster preparedness and business continuation plans in place to avoid losses in productivity and ensure employee safety. Business interruptions like power failures, IT system crashes, loss of communications and supply chain problems can be devastating to companies without the right contingencies in place.

There are many resources available to help companies prepare for emergencies. The Florida SBDC Network assists small businesses with developing business continuity, emergency preparedness and disaster recovery plans to minimize losses and increase survivability. Florida’s 11 regional planning councils partner with the Florida Division of Emergency Management to provide hurricane evacuation plans and operational procedures to respond to weather threats.

“Disaster preparedness can make the difference between keeping the doors open and shutting down for an undetermined period of time,” said Carolyn Bermudez, Vice President of Operations and General Manager of Florida City Gas. “It’s crucial that business owners take advantage of Florida’s resources to prepare their organization, employees and suppliers for emergency situations.”

Statewide Leaders Dive into Leading Insurance Issues at the Florida Chamber’s insurance Summit

CONTACT: Edie Ousley, 850-521-1231 or 850-251-6261

CFO Jeff Atwater, Property Insurance and Expensive
Cost Drivers Exploiting Homeowners Take Center Stage


ORLANDO, FL. (January 27, 2014) – Statewide leaders are gathered in Orlando today for the Florida Chamber of Commerce’s Insurance Summit  with one common goal- building on Florida’s successes by tackling remaining insurance-related challenges. Leading financial regulators, Chief Financial Officer Jeff Atwater and Florida’s Insurance Commissioner Kevin McCarty, kicked off the day-and-a-half summit that also included a discussion of leading cost drivers that are exploiting homeowners and consumers.

“[The Florida Chamber’s Insurance Summit] is an important gathering. In fact, I would say that the importance cannot be understated,” said Michael Carlson, Executive Director of Personal Insurance Federation of Florida (PIFF). “The prominent thought leaders, prominent stakeholder groups, company executives and representatives, legislators, elected officials, academics all gather under the auspices of the [Florida] Chamber at this event to talk about the problems that we face in property insurance and other insurance markets and more importantly talk about solutions, smart solutions, to address these problems.”

Kicking off the day-and-a-half statewide summit, CFO Atwater applauded the Florida Chamber for bringing insurance industry leaders together to develop solutions that will make Florida more competitive.

“It matters that you’re having these conversations over the next couple of days to navigate ahead toward making sound public policy and advance Florida toward the attraction of capital and making Florida more competitive,” said Chief Financial Officer Jeff Atwater. “The debate will be about how these ideas will create a better environment for consumers to have choice for the best possible deal.”

Insurance Commissioner McCarty highlighted Florida’s insurance successes – especially with Citizens Property Insurance – and how insurers and consumers alike are saving money.

More than 250 insurance professionals gathered in Orlando to focus on a leaner Citizens Property Insurance and how the role of Florida’s financial backstop, the Hurricane Catastrophe Fund, is evolving. Major cost drivers exploiting homeowners – exaggerated claims from unscrupulous contractors resulting in padded profits – also took center stage.

“Imagine this: You wake up to find your kitchen flooded from a broken pipe. You frantically call a water extractor who arrives and says, ‘Don’t worry. Just sign these forms and we’ll handle everything’,” Representative David Santiago, (R-Deltona), recently wrote. “The truth is, you’ve just signed away control of your insurance claim and may have permitted unscrupulous third parties to inflate the cost of the work. Ultimately, you could be sued or face a lien on your property for the difference between what your insurer legitimately owes the contractor and what was actually billed.”

Claims filed under an “assignment of benefits’’ or “AOB” form, which was intended to save homeowners money when having contracted work done, often get abused by unscrupulous vendors- which puts the insurer at risk of being unrightfully sued, driving up costs for businesses and homeowners alike.

“There’s no question that the assignment of benefit situation in Florida is out of control,” said Barry Gilway, CEO, President and Executive Director of Citizens Property Insurance Corporation. He also shared with Florida Chamber Insurance Summit attendees that 85 percent of water claims come from an attorney, not the homeowner or an adjuster, which drives up costs through litigation.

Improving on Florida’s bottom-10 legal climate, PIP reforms and a checkup on Florida’s economy – as well as its electorate – round out today’s agenda.

On Wednesday, members of the Florida House and Senate will gather to provide a legislative overview of what to expect during the 2015 Legislative Session. Private flood insurance markets, as well as a discussion of major Florida Supreme Court cases that could impact Florida’s workers’ compensation system, will be a part of Wednesday’s conversation. Click here for a more complete agenda.



The Florida Chamber of Commerce is the voice of business and the state’s largest federation of employers, chambers of commerce and associations, aggressively representing small and large businesses from every industry and every region. The Florida Chamber works within all branches of government to affect those changes set forth in the annual Florida Business Agenda, and which are seen as critical to secure Florida’s future. The Florida Chamber works closely with its Political Operations and the Florida Chamber Foundation. Visit for more information.

Did You Know Floridians Paid $1.5 Billion in Hidden “Hurricane Taxes”

Did You Know?

Florida Hurricane Catastrophe Fund (CAT Fund) hurricane taxes assessed on Floridians to pay for the six named storms of 2004-2005 will end this coming January – a year earlier than expected? However, Citizens Property Insurance Corporation (Citizens) hurricane taxes, also assessed for the back-to-back record-breaking 2004-2005 seasons, will continue to be assessed until 2017. To date, Citizens has received more than $1.5 billion in hurricane taxes from all Florida property and casualty insurance policyholders – auto, homeowners, businesses, charities, churches, renters and more.

Why does this matter to Florida’s business community?

Florida’s geographic location makes our state one of the most exposed places in the world to tropical windstorms and hurricanes. Of the 180 hurricanes that have made landfall in the continental United States since 1900, 65 have landed in Florida – the most of any state in the nation.

While it’s been nine years since the last major hurricane landfall, Florida’s experience during 2004 and 2005 shows our state is just one bad season away from tens of billions in damages. Between 2004 and 2005, Hurricanes Charley, Dennis, Frances, Ivan, Jeanne and Wilma hit Florida and caused more than $70 billion in damages. In addition, Hurricane Andrew in 1992 caused $25 billion in damages to Florida – equating to more than double that in today’s dollars.

The past nine years has allowed Florida’s insurance and reinsurance industry to build up reserves, but there still exists a major gap in how Florida addresses property and casualty insurance. If Citizens, the largest insurer in the state with more than 933,000 policies and $292.6 billion in total exposure, has a shortfall due to a series of storms, taxpayers are on the hook to pay these claims. These assessments could be borne by the business community.

Citizens currently has the authority to levy assessments on all property and casualty insurance in Florida including auto, business, home and renters insurance policies. This “emergency” assessment was put into place to help spread the risk among all policyholders in Florida in the event of a catastrophic storm. Currently, non-Citizens policyholders pay $136 million, or about 84 percent, yearly of the total assessments on all Florida property and causality insurance policies. These assessments are slated to be eliminated in early 2017.

Additionally, Citizens policyholders could be hit with a one-time 45 percent surcharge if Citizens depletes its savings and is unable to pay claims. This could impact businesses that rely on Citizens for property insurance coverage as well.

According to Stephen Weinstein, Senior Vice President with RenaissanceRe Holdings Ltd., Florida has taken significant steps in the last several years to strengthen the state’s property insurance market. Weinstein credits leadership at Florida’s Citizens Property Insurance Corporation and Florida Hurricane Catastrophe Fund for bolstering the financial position and reducing the risk of assessments on Floridians statewide.

“This has been complemented by the efforts of the executive leadership and professional management teams at Florida’s Citizens Property Insurance Corporation and Hurricane Catastrophe Fund to bolster their financial position and reduce the risk of assessments on Floridians statewide,” Weinstein said. “Collectively, these efforts have stabilized our property insurance system and attracted record levels of global capital to compete for Florida’s business. At the same time, Florida has also gotten lucky, by dodging a major storm for the past nine years.”

But this is Florida, after all, and our hurricane free streak could end at any time.

“In light of current conditions in the global private markets, Florida has an extraordinary opportunity right now to build on the success of recent years,” Weinstein explained. “This can be achieved by adopting a renewed business plan toward stability, in which insured risks are willingly borne by those who create them, and supported by a fairly priced, competitive private market, with our unique hurricane risk shared with and financed by private investors worldwide. We appreciate the significant and valuable reforms to date and hope to keep contributing to an ever more stable market for Florida’s consumers, homeowners and businesses.”

The stability referenced by Weinstein is a major step for Florida’s coastal communities, which accounts for approximately 80 percent of the state’s economic activity. Currently, the value of coastal property in Florida is roughly $2.0 trillion. This accounts for 80 percent of the state’s total residential and commercial property. More than 75 percent of Floridians live in a coastal county – meaning three out of four residents are in the direct landfall zone of a major hurricane. In addition, 12 of the 20 fastest growing coastal counties in the United States are located right here in the Sunshine State. Properties, both residential and commercial, within these counties have the most significant risk for hurricane damage due to high winds and storm surge. Ensuring stability for these communities throughout our state is a step in the right direction for our state’s slowly recovering property insurance systems.

And Citizens isn’t the only state-run liability that is in need of stability. The only state-sponsored reinsurance entity of its type, Florida’s CAT fund, may only be able to cover losses for one major storm or series of smaller storms. The CAT Fund is on the hook for $17 billion in claims, and while bonding capacity estimates show the CAT Fund may have the capability to pay these claims, Florida’s policyholders would have to foot the bill.

The end result? A system in which Florida’s financial stability could be decimated with one bad storm season, relying on post-storm assessments from Florida’s taxpayers for years to come.

Three Ways You Can Help Secure Florida’s Future:

  1. Join us at the 2014 Future of Florida Forum, September 29 – October 1. Join state business leaders, industry experts and elected officials as they discuss and explore how to secure Florida’s future, together. This year’s program features top level executives from several state agencies and identifies connection points and partnerships that will make Florida a state with vibrant communities, high-wage jobs and endless opportunities for global competitiveness. Register today and be part of the conversations that will help Florida stand out as the premier place to live, learn work and raise a family.
  2. Save the date for the Florida Chamber’s Annual Insurance Summit, January 21-23 at the Grand Floridian in Orlando. Plan to engage with the state’s top policymakers, industry leaders and business community experts as they tackle the challenges facing Florida’s insurance industry.
  3. Become a Florida Chamber Foundation Trustee and help provide a strategic direction for Florida’s future, to 2030 and beyond. For more information, contact Sal Nuzzo at 850-521-1283 or

Tell Us Your Story:

How has your business been affected by these assessments? Share your Florida story with us and stay tuned for more updates from The Florida Scorecard on Florida’s insurance industry.


About the Florida Scorecard Did You Know:

The Florida Scorecard, located at, presents metrics across Florida’s economy. Each week, the Florida Chamber Foundation produces a Scorecard Did You Know that takes an in-depth look at one specific statistic. If you would like additional information on the Weekly Scorecard Did You Know or on the Florida Scorecard, please contact Sal Nuzzo with the Florida Chamber Foundation at 850.521.1283 or You can also follow Sal on Twitter at @SalNuzzo and the Florida Chamber Foundation at @FLChamberFDN.