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HB 645FLORIDA · STATEWIDESession 2026Laid on Table, refer to CS/SB 772
Finance Detected

New Rules for Portable Electronics and Eyewear Insurance

Original title: Limited Agent Licenses

December 3, 2025

insuranceconsumer protectionbusiness regulationeyewearelectronics

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Where This Stands

Currently Laid on Table, refer to CS/SB 772. The next step in the legislative lifecycle is Introduced.

Procedural history

17 actions
  1. Feb 9, 2026House
    Added to Second Reading Calendar
  2. Feb 9, 2026House
    Bill referred to House Calendar
  3. Jan 29, 2026HouseIntroduced
    1st Reading (Committee Substitute 1)
  4. Jan 29, 2026HouseIntroduced
    CS Filed
  5. Jan 29, 2026House
    Laid on Table under Rule 7.18(a)
  6. Jan 29, 2026House
    Reported out of Commerce Committee
Show 11 earlier actions
  1. Jan 27, 2026HouseCommittee
    Favorable with CS by Commerce Committee
  2. Jan 23, 2026House
    Added to Commerce Committee agenda
  3. Jan 14, 2026House
    Now in Commerce Committee
  4. Jan 14, 2026House
    Reported out of Insurance & Banking Subcommittee
  5. Jan 14, 2026HouseCommittee
    Favorable by Insurance & Banking Subcommittee
  6. Jan 13, 2026HouseIntroduced
    1st Reading (Original Filed Version)
  7. Jan 12, 2026House
    Added to Insurance & Banking Subcommittee agenda
  8. Dec 12, 2025House
    Now in Insurance & Banking Subcommittee
  9. Dec 12, 2025HouseCommittee
    Referred to Commerce Committee
  10. Dec 12, 2025HouseCommittee
    Referred to Insurance & Banking Subcommittee
  11. Dec 3, 2025HouseIntroduced
    Filed

Version history

Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.

View official text →

Finance Connection

Notable money activity
$269,150across 20 reported contributions
Trace money trail →
CandidateDonorAmountIndustryDate
Coretta Anthony-SmithANTHONY-SMITH CORETTA$100,000ATTORNEYApr 2025
Coretta Anthony-SmithANTHONY-SMITH CORETTA$75,000ATTORNEYApr 2025
Mark SmithMark Smith$10,000ARCHITECTDec 2025
Mark SmithMark Smith$10,000ARCHITECTDec 2025
Tracy A SmithTracy Smith$10,000Bay County<br>JudgeMar 2026
Anyse Smith for Palm Desert City Council 2024Inland Empire United Action Fund$7,750-Oct 2024
Cynthia "Cindy" SmithSMITH CYNTHIA$6,000CANDIDATEFeb 2025
Anyse Smith for Palm Desert City Council 2024Julio Castro$5,500PresidentJul 2024
Anyse Smith for Palm Desert City Council 2024Julio Castro$5,500PresidentJul 2024
Anyse Smith for Palm Desert City Council 2024Theodore Mandekic$5,000Chief Financial OfficerFeb 2024
Anyse Smith for Palm Desert City Council 2024Frederick W. Noble$5,000OwnerFeb 2024
Anyse Smith for Palm Desert City Council 2024Anyse Smith$5,000Staff AttorneyMay 2025
Charles B Smith SrCharles B Smith Sr$3,400Manatee<br>Harvesting<br>CoJun 2026
Anyse Smith for Palm Desert City Council 2024Building A Stronger California sponsored by Western States Regional Council of Carpenters$3,000-Sep 2024
Anyse Smith for Palm Desert City Council 2024Building A Stronger California sponsored by Western States Regional Council of Carpenters$3,000-Sep 2024
Anyse Smith for Palm Desert City Council 2024Derrick Smith$3,000RetiredJun 2024
Anyse Smith for Palm Desert City Council 2024Derrick Smith$3,000RetiredOct 2024
Brian Smith for Supervisor 2022Kern Law Enforcement Association PAC$3,000-Oct 2022
Brian Smith for Supervisor 2022Kern County Firefighters Union Local 1301 PAC$3,000-Sep 2022
Brian Smith for Supervisor 2022Plumbers & Steamfitters Local 460 PAC$3,000-Oct 2022

Reported financial relationships and timing signals. This does not prove motive or influence. Readers draw their own conclusions.

The Frame

What this does

If passed, this law would allow retailers to sell insurance for eyeglasses and sunglasses under the same regulatory framework currently used for cell phones and other portable electronics, impacting how consumers purchase and file claims for eyewear protection plans.

Who is mentioned in the record

Potentially affected actors named in the source documents. Mention is not a position.

Retailers of eyewear

Retailers may now obtain limited licenses to sell insurance for eyewear and must comply with new disclosure and premium handling requirements.

Consumers

Consumers are provided with new disclosure requirements regarding insurance costs, duplication of coverage, and cancellation rights.

Insurance adjusters

The bill sets specific restrictions on Canadian residents seeking to act as nonresident independent adjusters for these claims.

What changed

Last recorded activity December 3, 2025.

What's next

Introduced.

Background

  • This bill was replaced by CS/SB 772 during the 2026 legislative session. CS/SB 772

Summary

This bill expands existing insurance licensing rules to include coverage for both electronic and non-electronic eyewear, such as prescription glasses and sunglasses. It sets new standards for how these policies are sold, how claims are handled, and how businesses must disclose coverage details to customers.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Frequently Asked Questions

Does this bill require me to buy insurance for my glasses?
No. The bill explicitly states that enrollment in insurance coverage is not required to purchase or lease eyewear.
Can I cancel my eyewear insurance if I change my mind?
Yes. The bill requires that customers be informed they can cancel coverage at any time and receive a refund for any .
Will this change how I file a claim for damaged glasses?
The bill establishes requirements for automated claims systems and mandates that brochures provided at the point of sale summarize the claim filing process.

Why It Matters

If passed, this law would allow retailers to sell insurance for eyeglasses and sunglasses under the same regulatory framework currently used for cell phones and other portable electronics, impacting how consumers purchase and file claims for eyewear protection plans.

News Coverage

No news coverage found yet. Articles are indexed twice daily.

Voting Record

Motion succeededhouse1/27/2026Official roll call ↗

Favorable With Committee Substitute (Commerce Committee)

Total

43

Yes

41

No

0

Present

0

Not Voting

2

Abstain

0

Motion succeededhouse1/14/2026Official roll call ↗

Favorable (Insurance & Banking Subcommittee)

Total

30

Yes

26

No

0

Present

0

Not Voting

4

Abstain

0

Full roll-call analysis →

Sponsors

Discoveries

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift100% confidence

Expansion of Limited Licensing

The bill represents a shift in Florida insurance law by grouping non-electronic eyewear with portable electronics under a single regulatory umbrella.

Florida Legislature

Connected Entities

organizationHouse Calendar“Calendar for House consideration”Map →
organizationCommerce Committee“Committee reviewing the bill”Map →
otherRule 7.18(a)“Rule governing bill disposition”Map →
organizationInsurance & Banking Subcommittee“Committee reviewing the bill”Map →

Sources

Open source document

openstates.org

Analysis Score

0–100
  • Significance40
    How much this matters to a regular citizen
  • Controversy10
    Intensity of disagreement among stakeholders
  • Entertainment5
    Compellingness for a non-policy-wonk reader
  • Buzz10
    Current news / social attention level

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