John David (J.D.) Dickenson, Tiffany Bustamante, and Alexandra J. Schultz of Cozen O’Connor’s Global Insurance Department contributed the USA-Florida Trends and Development content “Hot Topics in Insurance Law in the Sunshine State: Impacts of Florida Insurance Code Reforms on the Market and in the Courts, and the Expansion of AI" to the Chambers Insurance & Reinsurance 2026 Global Practice Guide.

The article examines the significant transformation of Florida’s insurance market following the 2022–2023 legislative reforms, which have led to reduced litigation, declining premiums, renewed insurer profitability, and the return of private carriers to the state. Early court decisions confirm that these reforms are reshaping bad faith litigation by narrowing claims and applying new accrual-based standards. As the market continues to stabilize, Florida is also emerging as a national leader in insurance regulation, by advancing legislation that mandates human oversight of AI‑assisted claim denials, reinforcing accountability while allowing innovation to continue.

For more than 20 years, Chambers Global Guides have ranked lawyers and law firms across the world. Chambers uses their knowledge of the world’s best lawyers to select leading law firms in each jurisdiction to write the ‘Law & Practice’ sections. In addition, the ‘Trends & Developments’ sections analyze trends and developments in local legal markets. This year’s Insurance & Reinsurance Global Practice Guide provides the latest legal information on insurance and reinsurance law, overseas-based insurers or reinsurers, making an insurance contract, intermediary involvement, alternative risk transfer (ART) transactions, warranties, conditions precedent, insurance disputes, insurtech, and much more.

To read the full article, click here.