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Joe Gruters bill aims to shrink Citizens insurance, steering policies to private market

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Policyholders who receive offers from surplus lines insurers could remain with Citizens, but only if they agree to pay the higher premium.

Sarasota Republican Sen. Joe Gruters has filed legislation that would make it harder for some property owners to stay on the state-sponsored Citizens Property Insurance Corp. when private insurers are willing to offer coverage, even if that coverage costs more.

State leaders have spent years trying to shrink Citizens, Florida’s insurer of last resort, arguing that its rapid growth exposes taxpayers to financial risk after major storms. Gruters’ bill (SB 1028) would steer policyholders into the private market.

The measure would direct Citizens to establish a personal lines clearinghouse and a new commercial lines clearinghouse by Jan. 1, 2027. The clearinghouses would steer eligible policyholders out of Citizens and into the private insurance market when comparable coverage is available.

The bill would require Citizens to charge certain commercial policyholders the higher of two amounts: its own calculated premium or a competing offer made through the state’s surplus lines clearinghouse. That requirement would also apply to renewals unless a new offer is made, in which case the premium would again be set at the higher amount.

The bill, filed Tuesday, would also require Citizens to set up a process by 2028 to move applicants and existing policyholders who no longer qualify for coverage toward private insurers.

SB 1028 revises eligibility standards for personal and commercial coverage, making applicants ineligible for Citizens if they receive a comparable offer through the clearinghouse at or below statutory price thresholds. If the clearinghouse offer exceeds those thresholds, policyholders could choose to remain with Citizens or accept private coverage.

The bill would also create a narrower rule for some commercial policies. Policyholders who receive offers from surplus lines insurers could remain with Citizens, but only if they agree to pay the higher premium when the private coverage is within 20% of Citizens’ rate.

If approved, the bill would take effect immediately upon becoming law.



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Gov. DeSantis appoints Urban Meyer onto New College’s trustees

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Gov. Ron DeSantis wants Urban Meyer to be a trustee at New College of Florida.

DeSantis said Tuesday evening he is appointing the former Ohio State University and University of Florida coach onto the Sarasota school’s board pending Senate approval.

“Urban Meyer brings a strategic mindset and national stature that will serve New College immeasurably,” said New College President Richard Corcoran in a statement. “His lifetime of leadership, building teams, mentoring young people, teaching excellence, and developing culture aligns perfectly with our academic mission.”

Meyer would replace Trustee Christopher Rufo who did not want another term. DeSantis is also reappointing New College Trustees Mark Bauerlein and Debra Jenks to the board.

Meyer is currently a college football analyst for FOX Sports after he was fired from head coach of the Jacksonville Jaguars after a losing season in 2021.

“In Meyer’s only season with the Jaguars, the team went 2-11, its 10th season with double-digit losses in the past 11 years, but issues off the field are what doomed him,” an ESPN story said at the time. “From hiring a strength and conditioning coordinator who had been accused of making racist remarks and bullying Black players, to a video of Meyer with a woman who was not his wife at a bar, to tensions between Meyer and his staff and players, there was dysfunction almost from the moment Meyer was hired.”

But Meyer also was a winner in his career that spanned at Bowling Green, Utah, Florida, and Ohio State. Three times, Meyer won the National Championship — twice with the Gators in 2006 and 2008 and once with the Buckeyes in 2014.

“Winning 85 percent of his games and claiming three national titles, Urban Meyer guided four different FBS programs and became one of the most successful and transformative coaches in college football history,” according to his spot in the National Football Foundation’s Hall of Fame.

Meyer’s appointment is at New College, a once-progressive Sarasota liberal arts college that conservatives took over and brought in DeSantis allies to lead. Corcoran is a former House Speaker.

Critics slam New College for its wasteful spending, such as Corcoran’s compensation package, which exceeds $1 million.

Meanwhile, conservatives argue their overhaul of New College is working and is much needed change to combat the “woke” higher education system.

“This fall, New College of Florida reached record enrollment of more than 900 students — equaling the largest enrollment in our history,” David Rancourt , New College’s Vice Provost and VP of Admissions, wrote in a Florida Politics guest column this Fall.



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Last Call for 12.30.25 – A prime-time read of what’s going down in Florida

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Last Call – A prime-time read of what’s going down in Florida politics.

First Shot

Florida Politics rolled out its 2025 Politician of the Year package this week, spotlighting three figures who helped shape — and in some cases upend — the state’s political landscape over the past year.

Honorable Mention goes to U.S. Sen. Rick Scott, who enters 2026 wielding more influence in Washington and Tallahassee than at any point in his political career.

Fresh off his strongest electoral showing yet, the Naples Republican embedded himself with both Senate leadership and the conservative grassroots, becoming a key bridge between the House Freedom Caucus and the upper chamber.

Back home, Scott also played an unusually active role in Florida politics, endorsing Byron Donalds for Governor and weighing in on oversight fights involving Gov. Ron DeSantis — all while laying groundwork for a renewed push to remake the nation’s health care system.

The Runner-Up nod belongs to U.S. Rep.Donalds, whose march toward the Governor’s mansion looks increasingly inevitable. 

Armed with President Donald Trump’s endorsement, massive fundraising and commanding poll leads, the Naples Republican closes out 2025 as the dominant figure in Florida’s next statewide race.

While rivals have surfaced on both sides of the aisle, Donalds’ combination of MAGA credibility, establishment support and cable-ready presence has left the field scrambling — positioning him to potentially become Florida’s first Black Governor.

Claiming the top honor, Florida Politics names House Speaker Daniel Perez its 2025 Politician of the Year.

Though he was little-known outside political circles at the start of the year, the House Speaker fundamentally altered the balance of power in Tallahassee, ending years of near-total legislative deference to the Governor’s Office.

From budget veto overrides and aggressive oversight to redistricting and immigration showdowns, Perez reasserted the Legislature as a coequal branch — empowering rank-and-file lawmakers and reshaping the institution even as tensions with Gov. DeSantis and the Senate escalated. With nothing left to lose heading into 2026, Perez closes the year as the most consequential force in Florida government.

Evening Reads

—”Here are the Top 10 federal stories impacting Florida in 2025” via Jacob Ogles of Florida Politics

—”Here are the Top 10 political stories from South Florida in 2025” via Jesse Scheckner of Florida Politics

—“Here are the Top 10 political stories from Central Florida in 2025” via Gabrielle Russon of Florida Politics

—”Here are the Top 10 political stories from Tampa Bay in 2025” via Janelle Irwin Taylor of Florida Politics

—”Here are the Top 10 political stories from Southwest Florida in 2025” via Jesse Mendoza of Florida Politics

—”Here are the Top 10 political stories from Jacksonville in 2025” via A.G. Gancarski of Florida Politics

—”Here is the top political story from Citrus County in 2025” via Mike Wright of Florida Politics

Quote of the Day

“I’m not a big proponent of telling people what they can and can’t do on their land. … But you’re going to have to be regulated like heck to make sure that nothing on that property is going to adversely affect the residents of a community.”

— House Speaker-designate Sam Garrison, on AI ‘tension’ heading into the 2026 Legislative Session.

Put it on the Tab

Look to your left, then look to your right. If you see one of these people at your happy hour haunt, flag down the bartender and put one of these on your tab. Recipes included, just in case the Cocktail Codex fell into the well.

There’s no need for Daniel Perez to wait until midnight tomorrow to pop the cork — Florida Politics’ Politician of the Year can have his champagne tonight.

Sen. Joe Gruters gets a set of mini cocktails for aiming a shrink ray at Citizens Property Insurance’s policy rolls. 

Send Rep. Wyman Duggan a Teacher’s Pet for filing a bill to give the Duval School Board more legal autonomy.

Breakthrough Insights

Tune In

Seminoles open conference play at Tar Heels

Florida State opens Atlantic Coast Conference play as it visits North Carolina tonight (7 p.m. ET, ESPN2). 

The Seminoles (7-6) were picked to finish 15th in the 18-team ACC. During the non-conference schedule, the Seminoles lost games to major conference schools, including Florida, Texas A&M, Georgia, and Houston. Florida State’s scheduled conference-opening slate includes the Tar Heels and the Duke Blue Devils.

Under New head coach Luke Louks, FSU has shifted to a three-point-focused offense. The Seminoles rank 11th in the nation in three-pointers made per game. The Knowles have featured a balanced offense with guard Robert McCray leading the team in scoring at 13.5 points per game.

North Carolina (12-1) enters the game ranked 12th nationally. The Tar Heels’ only loss came against Michigan State in November. Forward Caleb Wilson leads the Tar Heels in scoring at 19.6 points per game.

___

Last Call is published by Peter Schorsch, assembled and edited by Phil Ammann and Drew Wilson, with contributions from the staff of Florida Politics.



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Joe Gruters pitches cryptocurrency reserve as long-term state investment strategy

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Sarasota Republican Sen. Joe Gruters has filed legislation that would authorize the state to create and manage a cryptocurrency reserve, positioning Florida to invest directly in digital assets as part of its long-term financial strategy.

The proposal is split across two bills (SB 1038, SB 1040). Together, the bills would establish the Florida Strategic Cryptocurrency Reserve within the Office of the Chief Financial Officer and create a dedicated trust fund to hold and manage those assets.

SB 1040 would create the Florida Cryptocurrency Reserve trust fund and outlines its funding sources and purpose. The reserve would receive money through legislative appropriations, revenues dedicated by law and cryptocurrency acquired through purchases, blockchain forks or airdrops. Investment earnings on non-cryptocurrency holdings could also be deposited into the fund. 

The reserve is meant to diversify the state’s investment portfolio and “position the state to participate in and adapt to the emerging digital economy.”

SB 1038 authorizes the Chief Financial Officer, currently Blaise Ingoglia, to manage the reserve and sets guardrails on how cryptocurrency investments could be made. The CFO would only be able to buy cryptocurrency if the asset has maintained an average market capitalization of at least $500 billion over the prior two years.

The bill would also allow the CFO to contract with qualified third-party custodians, liquidity providers and auditors and to make investments in the reserve’s best interest.

The legislation would establish a five-member Florida Strategic Cryptocurrency Reserve Advisory Committee, chaired by the CFO. Other committee members would be appointed and dismissed by the CFO, and would serve without compensation but could be reimbursed for per diem and travel expenses.

The bill requires the CFO to submit biennial reports to legislative leaders detailing the estimated value of cryptocurrency held and actions taken to manage the reserve.

The reserve would be subject to Florida’s sunset review process and is scheduled to terminate July 1, 2030 unless reauthorized or ended sooner. Upon termination, remaining assets would be liquidated and transferred to the General Revenue Fund.

Both bills, filed Tuesday, are contingent on each other becoming law. If approved, the measures would take effect July 1.



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