The bill establishes whistleblower protections for employees and independent contractors of property insurers by creating a new section, 626.9898, in the Florida Statutes. It prohibits property insurers, along with their agents and affiliates, from taking adverse actions such as discharge, suspension, or harassment against employees or contractors who, in good faith, report violations of law, unethical conduct, or fraudulent practices to governmental agencies or the media. This provision aims to safeguard individuals who expose wrongdoing within the insurance industry.

Additionally, the bill allows aggrieved employees or independent contractors to file a civil action in a competent court within two years of discovering the violation or within four years of the adverse action, whichever occurs first. The court is authorized to provide relief as specified in existing law. The act is set to take effect on July 1, 2026.