Senate Takes Steps Toward AOB Reform
On January 22, the Senate Committee on Banking & Insurance met to discuss an Assignment of Benefits (AOB) reform bill that will help reign in AOB abuse — Senate Bill 122.
The Florida Chamber applauds Senator Doug Broxson for proposing SB 122 and the committee for engaging in bold dialogue and seeking meaningful insights from industry experts, including Florida Chief Financial Officer Jimmy Patronis, the Office of Insurance Regulation and Citizens Property Insurance.
Meaningful reforms have failed to cross the finish line in past years and as a result, we have seen hardworking individuals continue to fall victim to shady contractors who have convinced them to sign away their rights— ultimately leaving them high and dry without recourse.
Consider that, in 2006, there were only 405 AOB-related lawsuits. Last year, the number skyrocketed to more than 34,000.
We cannot afford another year without AOB reform.
Engage With Us
- Visit the Consumer Protection Coalition to see how you can fight fraud today.
- Connect with Florida’s new Governor, members of the Cabinet and the Florida Legislature during the Florida Chamber’s 2019 Legislative Fly-In and Global Florida Dinner.
Workers’ Comp Rates Decrease by 13.8 Percent
Automation and Employers’ Efforts to Create Safer Workplaces Produce Short-Term Rate Reduction, but Increased Attorney Fees Poised to Have Greater Impact on Future Rates
On Friday, November 9, 2018, the Office of Insurance Regulation (OIR) approved an average 13.8 percent decrease in workers’ comp rates to take effect January 1, 2019 for new and renewal policies. This is based on the National Council on Compensation Insurance’s (NCCI) filing for a 13.4 percent decrease to OIR at the end of August, 2018. When making its filing, NCCI pointed to improved loss experience as the reason for the decrease. More information and an analysis of NCCI’s August filing can be found here.
In a statement, Florida’s Chief Financial Officer Jimmy Patronis said:
“A workers’ compensation insurance decrease of 13.8 percent amounts to almost a half billion dollars in savings for Florida’s business community who support local economies, employ our neighbors, and give back to our communities. We must continue to do all we can to support and fuel Florida businesses, the backbone of our economy. While today’s news is good news, we must keep a close watch on Florida’s workers’ compensation insurance market so that we don’t go back to the time of skyrocketing rates.”
The Florida Chamber will continue to advise businesses on the impact of rising attorney fees and other cost drivers to the system. Friday’s rate decrease is good news for Florida job creators, but employers should be prepared for potential rate increases on the horizon as attorney fees continue to exert pressure on the workers’ comp system. As more time passes following the Castellanos decision in April 2016, these increased costs will be included in future experience rate filings.
Does Florida’s Workers’ Comp System Work For You?
Join us in advance of the 2019 Legislative Session to discuss workers’ comp and other issues important to Florida’s job creators by registering for the 2019 Florida Chamber of Commerce Legislative Fly-In on February 19-21, 2019.
Workers’ Comp Rates Decrease 1.8 Percent Next Month
On May 1, the Florida Office of Insurance Regulation approved a law-only filing that decreases workers’ comp rates by 1.8 percent, effective June 1, 2018. This decrease is the result of the federal tax cut package signed into law at the end of last year, the Tax Cuts and Jobs Act, which produced an increase to many carriers’ profit and contingency margins. In response, the National Council on Compensation Insurance filed a corresponding rate decrease to offset the increases to insurance carriers.
What This Means for You
As a result of federal tax reform, job creators will experience lowered costs of doing business in the form of needed workers’ comp rate relief. However, this relief may only be temporary. The result is modest, albeit temporary, rate relief for businesses across the state of Florida.
It is expected that the National Council on Compensation Insurance will file its annual experience filing in late summer, and rate increases could be on the horizon. The fact remains that while businesses across the state have continued to become safer and the severity of claims have decreased, attorney fees remain a cost driver in Florida’s workers’ comp system. Recent data by the Office of Judges of Compensation Claims show that attorney fees increased by 36 percent over the previous year, and hourly attorney fees have jumped by 200 percent.
The experience rate filing expected in late summer will start to reflect some of this new data as a result of the Florida Supreme Court’s 2016 decision in Castellanos v. Next Door Company.
Join the Task Force
We need your help in pushing legislators to enact meaningful and comprehensive workers’ comp reform by addressing skyrocketing attorney fees. Join the Florida Chamber of Commerce’s Workers’ Compensation Task Force by contacting Carolyn Johnson at (850) 521-1235 or email@example.com.
With No Legislative Fix In Sight, Court Reinstates Workers’ Comp Rate Increase
First District Court of Appeals Officially Reinstates 14.5 Percent Increase
Just one day after lawmakers closed out the 2017 Legislative Session without fixing Florida’s broken workers’ compensation system, the First District Court of Appeals (DCA) today issued a ruling reversing a lower court’s ruling and officially reinstated the 14.5 workers’ comp rate increase which originally took effect December of 2016.
The DCA made its ruling on the National Council on Compensation Insurance (NCCI) and Office of Insurance Regulation (OIR) v. James Fee case. Fee is a workers’ comp trial attorney. Fee filed a lawsuit against NCCI and OIR arguing that they violated the Sunshine Law while determining the rate increase associated with two Florida Supreme Court rulings. Days before the rate increase was to take effect, the Leon Circuit Court invalidated the 14.5 percent workers’ comp increase under the grounds that the Sunshine Law had been violated. After the case was appealed to the First DCA, a stay was issued, allowing the rate increase to take effect. The First DCA found that NCCI and OIR complied with the multiple elements of the Sunshine Law and that the rate increase should take effect.
Unfortunately, this decision comes the day after the Florida Legislature concluded the 2017 Legislative Session without taking steps to protect job creators from this rate increase. Throughout session, NCCI and Florida’s workers’ comp ratemaking process were consistently under attack by the trial bar.
The Florida Chamber of Commerce fiercely advocated for a fix to Florida’s broken workers’ comp system, and believe that this case was designed to serve as a distraction from the real issue at hand – resolving the Florida Supreme Court decision that led to the 14.5 percent – or $1.5 billion – workers’ comp rate increase in the first place.
Join the Florida Chamber’s Workers’ Comp Task Force
Support our efforts to help make workers’ comp rates affordable for job creators. Join the Florida Chamber Workers’ Compensation Task Force.
Florida Chamber Calls on Florida Senate to Help Fix Pending Workers’ Comp Crisis
The Florida Chamber of Commerce today testified for a legislative fix to Florida’s workers’ compensation crisis during today’s Florida Senate Banking & Insurance Committee meeting.
“A $1.5 billion tab that is not about employee safety or protecting workers, but about increasing compensation for plaintiff trial lawyers is harmful to Florida’s competitiveness,” said CAROLYN JOHNSON, Director of Business, Economic Development & Innovation Policy for the Florida Chamber of Commerce. “The Florida Chamber’s Workers’ Comp Task Force believes that a legislative solution should include tying attorney fees to the amount of benefits secured for the injured worker.”
Florida’s employers are now having to foot a $1.5 billion workers’ comp bill as the result of two overreaching Florida Supreme Court decisions earlier this year declaring portions of Florida’s workers’ comp system unconstitutional.
“We support legislative efforts to normalize rates… to prevent future spikes so our businesses can plan for their future,” said TODD THOMSON, Vice President of Public Affairs, Greater Pensacola Chamber of Commerce during his testimony.
According to research from a Florida Chamber Workers’ Compensation Task Force survey, of the businesses impacted by the rate increase, 90 percent said the impact is significant. An overwhelming 96 percent of those surveyed believe that the Florida Legislature should take action to remedy the Supreme Court decisions that resulted in a 14.5 percent increase.
Prior to the Thanksgiving holiday, a Leon Circuit Court judge voided the 14.5 percent rate increase under the grounds that the National Council on Compensation Insurance (NCCI) and the Office of Insurance Regulation (OIR) did not follow the requirements of the “Sunshine Law.” This decision has since been appealed, meaning the rate increase took effect on December 1, as planned. Yesterday evening, the First District Court of Appeals ruled that the 14.5 percent rate increase, which equates to $1.5 billion, will continue to be in effect while the OIR and NCCI appeal a case from the Leon Circuit Court last month.
“Many businesses are telling us that a $1.5 billion increase means they will be forced to raise prices, reduce benefits, delay hiring, or even cut existing jobs, in order to cover this increase in their premiums,” said JOHNSON. “The Florida Chamber has led the charge to lower rates more than 60 percent in the last 13 years and has helped injured workers return to work 10 days faster- we will not be distracted by trial lawyer tactics and will continue to advocate for a legislative remedy to this issue.”
Did You Know the Florida Chamber’s Workers’ Comp Task Force is Working on a Solution to the $1.5 Billion Increase?
Learn more about the Florida Chamber’s Workers’ Comp Task Force and its work on a legislative solution to the $1.5 billion increase to Florida’s business community.
Workers’ Comp Rate Increase to Stay in Effect During Appeal
Yesterday evening, the First District Court of Appeals ruled that the 14.5 percent rate increase will continue to be in effect while the Office of Insurance Regulation (OIR) and National Council on Compensation Insurance (NCCI) appeal a case from the Leon Circuit Court last month. This case, brought forward by a trial lawyer, argued that the rate-making process violated Florida’s Sunshine Law. The DCA also granted NCCI’s motion to expedite the case, and set the following timeline:
- January 11, 2017
OIR and NCCI must file arguments on the merits of the case
- January 23, 2017
James Fee, the trial attorney who brought forward the case, must respond to OIR and NCCI’s filing, and
- February 2, 2017
Final briefs must be filed.
What This Means for Florida Businesses:
The Leon Circuit Court in its decision invalidated the rate increase, but the District Court of Appeals allowed the rate to take effect on December 1 for all new and renewal policies. This case is a red herring, meant to distract from the real problem- increased attorney fees as a result of the Castellanos v. Next Door Company Florida Supreme Court decision. In fact, claimant attorney fees are up over 20 percent since the Supreme Court’s decision in April.
Today, the Florida Chamber will testify before the Florida Senate’s Banking & Insurance Committee to fight for a workers’ comp system that works. Share your story with us by contacting firstname.lastname@example.org today.
Learn how the Florida Chamber of Commerce Workers’ Comp Task Force is working on a legislative solution to the $1.5 billion increase to Florida’s business community.
Workers’ Comp Rate Finalized and Total Costs Resulting From Court Rulings to Top $1.5 Billion
Tallahassee, Fla. (Oct. 4, 2016) – A workers’ compensation rate increase finalized today will top more than $1.5 billion, and force Florida job creators to pay higher premiums designed to benefit billboard trial lawyers – not injured workers, the Florida Chamber of Commerce said.
The National Council on Compensation Insurance (NCCI) today accepted the Florida Office of Insurance Regulation’s recommended 14.5 percent workers’ comp rate increase, and took necessary steps to begin assessing the increased rates on December 1 for new and renewal policies.
“Job creators across Florida will now be forced to pick up a $1.5 billion tab that, disturbingly is not about employee safety or protecting workers – it’s about increasing compensation for plaintiff trial lawyers,” said MARK WILSON, President and CEO of the Florida Chamber of Commerce.
“A rate increase this big, this sudden, hurts Florida’s competitiveness and employers large and small. Many businesses will be forced to delay hiring – or even cut existing staff – to cover this leap in their workers’ comp premiums,” WILSON added.
ICYMI: Let’s fix workers’ comp in Florida. (Tampa Bay Times, September 30, 2016)
The 14.5 percent workers’ comp rate increase follows two Florida Supreme Court decisions declaring portions of Florida’s workers’ comp system unconstitutional. In one case in particular, the plaintiff argued that the plaintiff trial lawyer should receive $38,000 in attorney fees for a case in which the injured worker was awarded only $800. That’s $800 for the injured worker and $38,000 for the trial lawyer. This accounts for nearly two-thirds of the rate increase.
Last week during the Florida Chamber’s Future of Florida Forum, Senator Bill Galvano and Representative Kathleen Passidomo discussed this issue with Florida Chamber Workers’ Comp Task Force Co-Chair Steve Knopik, CEO of Bealls, on the Florida Chamber’s Bottom Line.
“It’s important that we educate the new members in the legislature who maybe didn’t live through those reforms (2003 reforms) at that time, make sure that the voice of the Florida Chamber is heard in those deliberations and make sure you understand who the decision makers are in that process,” said SENATOR GALVANO.
“I think it’s important that we hit it early on, look at it globally, make the change that needs to be made, and it’s not redoing the entire statute, but addressing the Supreme Court’s rulings and do it as soon as possible,” said REPRESENTATIVE PASSIDOMO.
The Florida Chamber has a long history of helping to keep Florida’s workers’ comp system working. As a result, workers’ comp rates lowered by more than 60 percent in the last 13 years, and injured workers returned to work 10 days faster. Those efforts continue today with the Florida Chamber’s Workers’ Compensation Task Force which is working to secure a legislative fix.
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Citizens’ Rate Increase Further Proof AOB Reform Needed
Citizens Property Insurance Corp.’s proposed statewide rate increases is further proof that Assignment of Benefits (AOB) abuse is hurting homeowners and must be addressed during the 2017 legislative session, the Consumer Protection Coalition said today.
During a rate hearing before the Florida Office of Insurance Regulation today, Citizens said its recommended 6.8 percent rate increase for personal lines policies was necessary to offset an explosion in non-weather-related water loss claims. In many of the claims, a homeowner signed an AOB enabling an unscrupulous home repair vendor to take over the policy, inflate the cost of the claim and file a lawsuit against the insurance company if it disputed the bill.
“It’s unfortunate that Citizens is here today requesting a rate increase because of a legalized scam that allows the bad behavior of a few to punish everyone,’’ said MARK WILSON, President and CEO of the Florida Chamber of Commerce, which spearheads the Consumer Protection Coalition. “The coalition has been warning that AOB abuse would directly hit consumers’ wallets, and, regrettably, our fears are coming to fruition.’’
The broad-based coalition of business leaders, consumer advocates, real estate agents, insurance groups and others formed in January to raise awareness about the dangers of AOB abuse and need for reform. The coalition believes that abusive AOB practices and scams are harmful to consumers and jeopardize Florida’s business-friendly environment. The rapidly growing AOB problem also impacts the availability and affordability of insurance, hindering efforts by Citizens, the state-run insurer, to reduce its number of policies and shift homeowners to the private market.
Learn more about today’s hearing by clicking here.
The Florida Chamber and its Consumer Protection Coalition is sharing your call for AOB reform to stop the fraud and abuse. We’re gaining traction, but need your help to drive the message home. The Florida Chamber and Consumer Protection Coalition is sharing your call for AOB reform to stop the fraud and abuse. Thanks to your support, we’re gaining traction. Help us grow the Coalition by encouraging others to signing this petition.
Florida Chamber of Commerce Testifies in Support of Job Creators and Injured Workers During Workers’ Comp Rate Increase Hearing
Cautions Regulators That a 19.6% Rate Increase Could Harm Florida’s Job Growth Competitiveness
TALLAHASSEE, Fla. (August 16, 2016) – The Florida Chamber of Commerce today testified at the Office of Insurance Regulation’s (OIR) Workers’ Compensation Rate Increase Hearing and warned that a proposed 19.6 percent rate increase will impact Florida’s business friendly climate and harm Florida’s competitiveness.
Today’s hearing was prompted by a workers’ comp rate increase recommendation by the NCCI after the Florida Supreme Court threw out portions of Florida’s workers’ comp system in two separate cases. During the rate hearing, Mark Wilson, President and CEO of the Florida Chamber of Commerce said the pending workers’ comp rate increase will substantially impact injured workers and job creators throughout Florida.
In addition to the recommended 19.6 percent workers’ comp rate increase, NCCI estimates that the combined total statewide unfunded liability related to the high court’s rulings could potentially exceed $1 billion. The increased costs will be borne in large part by job creators.
“It’s a lucrative deal for personal injury trial lawyers, but a raw deal for injured workers who won’t gain a dime, and may even be out of work longer,” Wilson said during the insurance regulatory rate hearing. “Florida businesses care about their injured workers and want to make them whole. But now, thanks to the Supreme Court and plaintiff trial lawyers, its ok to collect fees nearly 50 times as much as the injured workers judgement.”
If OIR approves the 19.6 percent workers’ comp rate increase, it will be the highest rate in the Southeast. And as experts across the industry agree, this rate increase will likely only be the first of many attempts to further increase rates, and therefore put Florida back on the path toward having the highest workers’ comp rates in the United States.
The Florida Chamber’s Workers’ Comp Task Force has heard from businesses across Florida that have said increased rates could force them to choose between paying higher rates and hiring additional employees.
“It would prevent a company that has 150 workers from hiring one more,” according to Florida Chamber Workers’ Comp Task Force Co-Chair Debbie Harvey, President and Chief Operating Officer of Ron Jon Surf Shop. “What businesses are worried about is this is just the start. You could have another 15 percent later on top of a 19 percent increase. It’s a compound effect.”
“Look at all the small and medium-sized businesses and multiply that by 19.6 percent. If you do the math, that’s $714 million. That’s going to leave a mark on the economy,” Steve Knopik, Florida Chamber Workers’ Comp Task Force Co-Chair and CEO of Bealls Inc.
The Florida Chamber’s Workers’ Comp Task Force looks forward to working with the Office of Insurance Regulation, the Division of Workers’ Compensation, and the Florida Legislature on developing a remedy to the Supreme Court’s decision.
Florida Chamber of Commerce Testimony To Office of Insurance Regulation Regarding Workers’ Compensation Rate Hearing
August 16, 2016
Thank you Commissioner Altmaier. And thank you to the Office of Insurance Regulation and Insurance Consumer Advocate Sha’Ron James for your open door policy on an issue that will substantially impact Florida’s competitiveness as well as the job creators that depend on it.
At the Florida Chamber, we believe that putting job creators and injured workers first is the right thing to do to keep Florida’s workers’ compensation system working.
Unfortunately, the Florida Supreme Court’s ruling in the Castellanos case is not about safety or protecting workers. The effect of the decision is to raise costs for no other reason than so plaintiff trial lawyers can raise fees.
In fact, in the Castellanos case, the plaintiff argued that the plaintiff trial lawyer should receive $38,000 in attorney fees for a case in which the injured worker was awarded only $800. That’s $800 for the injured worker, and $38,000 for the trial lawyer.
As we predicted, trial lawyers are back, suing even more. What we’ve seen since May is an increase in lawsuits – a result of the Castellanos and Westphal rulings that allow plaintiff trial lawyers to reach back into the past and seek higher fees on old cases.
So, how much is this going to cost?
NCCI tells us that the increase in lawsuits by trial lawyers, combined with the 19.6 percent workers’ comp rate increase, will cost Florida businesses potentially $1 BILLION or more in unfunded liability. That’s a lucrative deal for personal injury trial lawyers, but a raw deal for injured workers who won’t gain a dime, and may even be out of work longer.
Thirteen years ago, Florida had the highest rates in the United States. We were losing our competitiveness.
The Florida Chamber joined with then Governor Bush to help pass reforms that – over the course of the last 13 years – dropped workers’ comp rates by nearly 60 percent. That put Florida on par with other states, and also helped injured workers get back to work 10 days faster after experiencing an injury on the job.
That will all change as a result of the court’s decision. In fact, the proposed increase would mean Florida will have the highest rates in the Southeast.
Today I want to shed light on how this is going to impact Florida. The Florida Chamber has been talking to employers across Florida.
In fact, the Florida Chamber’s Workers Comp Task Force has already met more than half a dozen times to hear from large and small businesses, trade associations, and local chambers of commerce and workers comp experts.
Take, for example, Ron John Surf Shop. CEO Debbie Harvey, who co-chairs the Florida Chamber’s Workers’ Comp Task Force, says a 20 percent increase in workers’ comp rates means Ron Jon will no longer be able to add a new, mid-level employee to their team next year.
I wish I could tell you this is an outlier story, but it is not. Unfortunately, that’s the impact an increase of this magnitude could have on businesses – making them choose between hiring new employees or paying higher workers’ comp premiums.
This increase is particularly troublesome, and causing uncertainty. Especially considering many small businesses haven’t budgeted for dramatically higher workers’ comp fees.
Florida businesses care about their injured workers and want to make them whole. That’s how the system was designed to work.
But now, thanks to the Supreme Court and especially thanks to plaintiff trial lawyers, it’s ok to collect fees nearly 50 times as much as the injured workers judgement.
I remember when Florida had the highest rates in the country, and my fear is with this increase, we’ll have the highest rates in the Southeast. And rates could potentially spiral out of control again.
One thing is for certain, this will have a negative impact on Florida’s business climate.
It will likely impact Florida’s 60 consecutive months of job growth.
And perhaps most disturbing, is that this will be a self-inflicted wound that advantages trial lawyers instead of workers.
I encourage OIR to be 100 percent actuarially honest about what these massive fees the trial lawyers are pushing will do to the system. The more honest you are about what these cost are going to be, the more clear it will be that immediate action by the Florida Legislature will be necessary.
The Florida Chamber and the Florida Chamber’s Workers’ Comp Task Force look forward to working with OIR, the Division of Workers’ Compensation, and the Florida Legislature on developing a remedy to the Supreme Court’s decision.
On behalf of the Florida Chamber of Commerce and job creators in Florida, thank you.
AOB Fraud Forces Policy Changes at Citizens Property
In Florida, there’s a rapidly growing scam in which shady home repair vendors pressure homeowners to sign away the rights and benefits of their insurance policies as a condition of performing work. This practice has led to grossly inflated claims and an explosion of Assignment of Benefit lawsuits against insurers, which is driving up the cost of homeowners’ coverage for consumers.
As a result, Citizens Property Insurance, the state’s largest government insurer, recently announced policy changes that will impact the handling of claims – especially claims for emergency repairs. These changes, which will take effect on or after July 1, 2016 for new or renewed policies, are designed to help curb AOB fraud and abuse.
Policy Changes Include:
- The policyholder must take emergency measures to prevent further damage, and the policy includes only what is reasonable and necessary up to $3,000 or 1 percent of their coverage limit, unless Citizens approves additional measures.
- Citizens can inspect and adjust the claim. Permanent repairs cannot take place until 72 hours after
- Citizens has been notified, or the loss is inspected by Citizens, or verbal or written approval is given by Citizens property insurance.
- These policy changes have only been approved for Citizens Property Insurance by the Office of Insurance Regulation. However, we anticipate other insurers soon might follow suit.
The Florida Chamber of Commerce and its Consumer Protection Coalition continue to fight for solutions to AOB fraud and abuse – particularly addressing one-way attorney fee provisions.
Join our efforts by signing this petition, and stay tuned for additional updates as we continue pushing back against billboard trial lawyers.
Workers’ Comp Rates Drop Average of 4.7 Percent for 2016
The Office of Insurance Regulation (OIR) today approved an average overall rate level decrease of 4.7 percent on workers’ compensation insurance, effective January 1, 2016. This marks the second year in a row that workers’ comp rates have decreased and rates have dropped nearly 60 percent over the last decade, thanks to the work of the Florida Chamber and the business community.
What You Need To Know About Workers’ Comp
While Florida’s workers’ comp rates are moving in the right direction, three pending cases before the Florida Supreme Court could increase workers’ comp rates significantly depending on the decision. Below, we have the Florida Chamber’s latest information on workers’ comp.
- Pending Court Cases Could Send Workers’ Comp Rates the Wrong Direction
- Did You Know Workers’ Compensation Rates Have Dropped 60 Percent Since 2003?
- Viewpoint: Keep Florida’s Workers’ Comp System Working
- LETTER: Pending Florida Supreme Court Cases Could Make Florida Less Competitive
Lend your voice- sign our resolution by contacting email@example.com.
Rate Filing Shows Further Decrease in Workers’ Comp Rates
Today, the National Council on Compensation Insurance (NCCI), the industry’s provider of workers’ compensation analysis and rates, announced that they are requesting an average 3.3 percent decrease in workers’ compensation rates, effective January 1, 2015 – a step in the right direction from the 2.5 percent proposed decrease in August.
Despite this reduction, there are still a number of cost drivers in the workers’ comp system. According to a 2013 report by the Department of Financial Services’ three member panel, medical costs, especially those related to hospital inpatient and outpatient services, are a significant cost driver. Although the Florida Legislature did not pass the Florida Chamber-backed bill during the 2014 session that would address rising medical costs by researching an appropriate fee schedule for workers’ comp claims, the Florida Chamber remains committed to continuing our efforts to help pass legislation that reduces rates.
NCCI warns that while they are currently seeking a 3.3 percent rate decrease, court decisions related to Castellanos v. Next Door Company, Westphal v. St. Petersburg, Morales v. Zenith Insurance Company, and Padgett v. State of Florida could dramatically increase rates.
The Florida Chamber of Commerce has filed amicus curiae briefs on the three cases currently before the Florida Supreme Court, and will monitor the appeal of the Padgett case to the Third District Court of Appeal.
This rate decrease still must be approved by the Florida Office of Insurance Regulation. The Florida Chamber will continue to monitor workers’ comp rates, increasing costs in the system and pending litigation that might impact rates.
2014 Florida Chamber Election Guide
Click here to get your copy of the 2014 Florida Chamber Election Guide. The guide includes an analysis on the three constitutional amendements as well as endorsements from the Florida Chamber. Download your copy today.