Act Today to Help Stop AOB Abuse

AOB Clears Senate Committee; Up in House Committee Today

Thanks to your calls and support, a Florida Chamber-backed bill related to Assignment of Benefits (AOB) reform continues to make its way through the Senate. SB 122 sponsored by Senator Doug Broxson passed the Senate Judiciary Committee on March 18.

On March 19, the House companion bill, HB 7065, is set to be heard at 3:30 p.m. in the House Insurance and Banking Subcommittee.

Take two minutes to email members of the House Insurance and Banking Subcommittee and voice your support for HB 7065.


A special thank you to Senator Broxson and co-sponsor Senator Ed Hooper for their leadership in making AOB reform a priority in the Senate. And thank you to Representative Bob Rommel and Representative Mike Caruso for also leading the fight for AOB reform in the House.

We’ll keep you posted as both bills continue through the legislative committee process.

Florida Chamber Bottom Line: Senator Doug Broxson


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 Senator Doug Broxson is Leading the Charge on AOB Reform


On the latest Florida Chamber Bottom Line we sat down with Senator Doug Broxson, Chair of the Senate Banking and Insurance Committee, to discuss the adverse effects of Assignment of Benefits (AOB) abuse, and the bill he is proposing to put an end to it.

“For over 100 years, we never had a problem with how to file a claim,” said Broxson. “In 1974, we had the first AOB claim ever filed, and then in 2018 we had 36,000.”

Help Stop AOB Abuse:

If you have friends or family who own homes or register cars in Florida, please consider forwarding them this message and ask them to sign up for our support list here. The shady lawyers and contractors are telling legislators that everyday Floridians don’t really care about insurance reform. The more people we have on our side, the easier it is for us to prove them wrong and put and end to the schemes.

Senate Banking and Insurance Committee Votes Favorably for SB 122

On March 4, 2019, in a five to three vote, the Senate Banking and Insurance Committee passed SB 122— a bill related to attorney fee awards under insurance policies and contracts.

The Florida Chamber-backed bill, sponsored by Senator Doug Broxson, levels the playing field between insurers and service providers and subcontractors and provides a step toward real Assignment of Benefits (AOB) reform.

In 2018, there were more than 34,000 AOB lawsuits filed, compared to only 405 AOB lawsuits in 2006. Increasing amounts of AOB abuse are costing 90 percent of Florida families an increase in their homeowners’ insurance.  Florida’s bottom-five legal climate, including AOB fraud and abuse, costs Florida families an average of $4,442 a year. The Florida Chamber will continue to support SB 122 and other efforts that protect consumers and small businesses from billboard trial lawyers trying to make a payday.

A proposed committee bill (PCB CSJ 19-01) related to AOB reform will be heard in the House Civil Justice Subcommittee on Wednesday.

We Need Your Support

We’re hearing that busloads of trial lawyers are making their way to Florida’s Capitol to oppose important legal reform efforts, including AOB reform. PLEASE TAKE 2 MINUTES to help us improve Florida’s bottom-five legal climate by contacting members of the House Civil Justice Subcommittee TODAY and urging them to vote yes on PCB CSJ 19-01 (AOB Reform), HB 17 (Tort Reform) and HB 355 (Dangerous Instrumentality Doctrine).


Senate Takes Steps Toward AOB Reform 


Consumer Protection Coalition


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

  1. Visit the Consumer Protection Coalition to see how you can fight fraud today.
  2. 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.