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Florida Justice Reform Institute

Florida may create new way to sue vaccine makers for harm_FT

February 12, 2026/in Florida Today

A new bill provides a three-year statute of limitations to file suit.

Stephany Matat USA TODAY NETWORK – Florida – Feb. 12, 2026
Key Points
  • A Florida bill would allow lawsuits against vaccine makers if they advertise in the state and someone is harmed.
  • Critics argue the proposal could unconstitutionally restrict commercial speech protected by the First Amendment.
  • The bill’s sponsor says it aims to promote informed consent and ensure manufacturer liability for harm.

Someone who’s hurt by a vaccine could sue its manufacturer if the company has advertised the shot in Florida.

That’s the substance of a bill now under consideration by the Legislature, a proposal that critics say could restrict commercial speech under the First Amendment.

Commercial speech is a distinct category under the First Amendment, which protects speech used to sell products or services. It often involves advertising and marketing. But courts have determined that it can be restricted.

Lawmakers largely agreed that this year’s measure (HB 339) needed more work in defining harm and injury that leads to suing a manufacturer who advertises vaccines. In recent years, rare adverse events such as heart inflammation have been identified following COVID-19 mRNA vaccination, particularly among younger men.

Vaccine manufacturers generally have very limited exposure to civil lawsuits for injuries allegedly caused by their product because of federal liability protections and compensation programs. If passed, this bill would create a new civil legal route to file a lawsuit by tying it to advertising.

Its sponsor, state Rep. Monique Miller, R-Palm Bay, said she filed the measure in part to promote informed consent and ensure vaccine manufacturers are liable for harm. The bill does provide a three-year statute of limitations.

But some public testimony before the House Civil Justice & Claims Subcommittee on Feb. 11 highlighted concern over whether the bill played into the DeSantis administration’s efforts to roll back vaccine requirements amid a rising conservative movement against many childhood vaccinations.

“If they are (safe) and that harm is so rare, then what is the harm in standing by those products and saying we trust it enough that we’re willing to take on anything that comes out of it that’s harmful or debilitating to a patient?” Miller told the panel.

William Large, president of the Florida Justice Reform Institute, countered that people already can hold manufacturers liable for harm caused by vaccine under federal law.

“It is preempted by three federal acts, violates the First Amendment and is bad policy,” Large said. “This violates the First Amendment because it’s directly aimed at protected speech, which is commercial speech, in terms of advertising.”

Courts have determined, however, that commercial speech can be restricted if the government can demonstrate the speech is misleading, prove a “substantial interest” in regulating the speech and not be more strict than necessary, according to the Freedom Forum.

Miller said her bill was inspired by a similar measure approved in Texas last year, which also raised alarms. The Texas Civil Justice League wrote at the time that it creates “significant legal consequences for exercising First Amendment rights” in terms of commercial speech.

The measure passed the panel on a 12-4 vote; it has two more committees before reaching the House floor. A companion Senate bill (SB 408) also is pending two committees.

This reporting content is supported by a partnership with Freedom Forum and Journalism Funding Partners. USA Today Network-Florida First Amendment reporter Stephany Matat is based in Tallahassee, Fla. She can be reached at SMatat@usatodayco.com. On X: @stephanymatat. 

https://www.floridatoday.com/story/news/state/2026/02/12/florida-may-create-new-way-to-sue-vaccine-makers-for-harm/88623985007/
https://www.fljustice.org/wp-content/uploads/2024/11/fjri-news.jpg 800 800 Becky Lannon https://www.fljustice.org/wp-content/uploads/2024/11/Florida-Justice-Reform-Institute.jpg Becky Lannon2026-02-12 15:42:382026-02-13 15:42:48Florida may create new way to sue vaccine makers for harm_FT
Florida Justice Reform Institute

How much do you pay for property insurance in Florida? Here’s some good news. | Opinion

March 14, 2025/in Florida Today

Between 2019 and 2023, average homeowner premiums in Florida surged nearly 60%.

William Large
Florida Justice Reform Institute
March 14, 2025

Between 2019 and 2023, average homeowner premiums in Florida surged nearly 60%.
William Large – Florida Justice Reform Institute

Gov. Ron DeSantis earlier this month revealed good news when it comes to Florida’s insurance market. Yes, good news.

During the last three years, the Florida Legislature has passed meaningful reforms to address unrestrained litigation and reign in skyrocketing attorneys’ fees, and their efforts are bringing down the cost of insurance, inviting more competition into the market and giving consumers more choice for coverage on their home and auto.

Between 2019 and 2023, average homeowner premiums in Florida surged nearly 60%. Not only were homeowners paying more for property insurance, but they had access to less coverage and fewer providers to choose from.

This was partly due to a legal environment that was too friendly to lawsuits against insurers. For a long time, Florida law allowed plaintiffs’ attorneys to recover their fees if they prevailed against insurers, even if the amount they secured through litigation was minimal; these fees were “one way” because plaintiffs faced no reciprocal risk that they would have to cover the insurance company’s attorney fees if plaintiffs lost. Assignments of benefits were also misused by third parties in order to access these statutory, “one way” attorney fees.

Florida homeowners were left to foot insurance bill hikes
Unfortunately, the average Florida homeowner was left to foot the bill when insurance providers were forced to raise costs to cover excessive litigation. Many insurers determined that it was too costly to do business in Florida. By the end of 2024, more than 30 insurance providers had exited Florida’s marketplace.

The reforms began in 2021 when Senate Bill 76 required plaintiffs to notify an insurer before a lawsuit is filed. In turn, insurers are given an opportunity to reconsider a coverage denial and attempt to resolve a claim before it is the subject of litigation. The legislation also offered consumers additional protections from unscrupulous contractors.

Then in 2022, Senate Bill 2D, developed and passed during a special session called by the Governor, included additional tort reforms. This legislation prohibited assignment of the right to obtain attorney fees to anyone other than an insured or beneficiary named in the policy, thus eliminating abuse of these arrangements by third parties as a way to obtain attorney fees.

Later in 2022, another special session led to the passage of Senate Bill 2A. Senate Bill 2A eliminated the statutory right to recover attorney fees in a lawsuit arising under a residential or commercial property insurance policy.

Importantly, this legislation also implemented greater protections for consumers. The law requires insurance companies to be more responsive to their customers by limiting the time they have to respond to claims.

Building on these reforms, the Florida Legislature also passed House Bill 837 in 2023 to eliminate exorbitant attorney’s fees, strengthen negligence standards and provide stronger defense to those targeted by excessive litigation.

While our state leaders acted swiftly to develop, pass and implement solutions, we knew it would take time for these policies to stabilize the market. Now, the trends are moving in the right direction, providing much-needed relief to Florida’s homeowners.

Florida has 11 new insurance providers
In 2024, Florida had the lowest average homeowners’ premium increases in the nation, with an average statewide rate hike of just 1%. At the same time, premiums in other states have surged by more than 20%.

In addition, there are 11 new insurance providers in the market. And the providers that remain are expanding their business and filing for rate decreases.

This is only the beginning. As timelines run out for trial attorneys to pursue litigation under the more litigation-friendly law, the environment will continue to stabilize, reducing the burden of excessive litigation and bringing down costs even further.

William W. Large William Large, Provided by the Florida Justice Reform Institute

Our state is proof that strong conservative leadership on the state level can lead to meaningful reforms. The steps our Governor and Legislature have taken are bringing stability to the market, leading to more choices and lower costs for Florida homeowners.

William Large is the president of the Florida Justice Reform Institute.

https://www.floridatoday.com/story/opinion/columns/your-voice/2025/03/14/florida-home-property-insurance-desantis/82241314007/

https://www.fljustice.org/wp-content/uploads/2024/11/fjri-news.jpg 800 800 Becky Lannon https://www.fljustice.org/wp-content/uploads/2024/11/Florida-Justice-Reform-Institute.jpg Becky Lannon2025-03-14 18:34:132025-05-18 18:35:08How much do you pay for property insurance in Florida? Here’s some good news. | Opinion

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