A Florida Bar committee, worried that insurance companies are cutting costs by providing inadequate legal representation to their customers,is scheduled today to debate three proposals intended to safeguard policy holders.

The proposals, issued in the form of proposed ethical advisory opinions on how lawyers working for insurance companies should conduct themselves, are certain to be hotly debated as members of the Bar’s Professional Ethics Committee meet in Tampa. The panel has been swamped with letters of protest from virtually every insurance company doing business in Florida.