FL S2176

Amends workers' compensation provisions for off-duty deputy sheriffs, clarifying that security and patrol services are considered law enforcement duties and allowing sheriffs to include proportionate workers' compensation premium costs.

Modifies presumption of occupational disease for law enforcement and correctional officers by permitting denial of workers' compensation presumptions for tuberculosis, heart disease, or hypertension if the officer materially departs from prescribed medical treatment occurring on or after July 1, 2010, with a 180-day claims filing deadline after employment ends.

Establishes rate-filing exemptions for commercial lines insurance (excess/umbrella, surety, errors and omissions, directors and officers liability, and other specified categories) while requiring insurers to maintain reasonable rates and notify the Office of Insurance Regulation of rate changes within 30 days.

Strengthens protections for senior consumers purchasing annuities by extending unconditional refund periods to 21 days for those 65 and older, capping surrender charges at 10 percent with elimination after 10 years, and prohibiting agents or family members from being beneficiaries unless they have insurable interest.

Expands regulation of service agreements and home warranties by requiring disclosure of unregulated rates, prohibiting deceptive advertising, mandating consumer access to sample contract terms prior to sale, and establishing first-degree misdemeanor penalties for unlicensed providers.