The somewhat irritating feature of Florida law on the topic is that you also have to read the definitions in §934.02, because there is a concept of "reasonable expectation of privacy" that attenuates the necessity to get permission. Here are some definitions with emphasis added.
“Oral communication” means any oral communication uttered by a person
exhibiting an expectation that such communication is not subject to interception under circumstances justifying such expectation and does
not mean any public oral communication uttered at a public meeting or
any electronic communication.
Whereas,
“Wire communication” means any aural transfer made in whole or in part
through the use of facilities for the transmission of communications
by the aid of wire, cable, or other like connection between the point
of origin and the point of reception including the use of such
connection in a switching station furnished or operated by any person
engaged in providing or operating such facilities for the transmission
of intrastate, interstate, or foreign communications or communications
affecting intrastate, interstate, or foreign commerce.
A Zoom meeting is a wireless communication.
It is generally illegal to "intercept" communications, and then there is a long list of exceptions, such as "with a court order". §934.03(2)a.3(d) is a crucial exception:
It is lawful under this section and ss. 934.04-934.09 for a person to
intercept a wire, oral, or electronic communication when all of the
parties to the communication have given prior consent to such
interception.
So, no consent is necessary if we are dealing with an oral communication and there is no reasonable expectation of privacy (a town hall meeting for example). There are stronger prohibitions against interception when it comes to wire communication: all-party consent is required.
Now we have to scrutinize what it means to intercept:
“Intercept” means the aural or other acquisition of the contents of
any wire, electronic, or oral communication through the use of any
electronic, mechanical, or other device.
The ordinary language meaning of words tells you that getting a Zoom stream is through the use of an electronic device, that in connecting to a meeting you are acquiring the content of the communication, therefore you need the consent of all parties to the communication.
Obviously this is a bit tricky since you might be technically able to get into a meeting without even the host's permission, and there is certainly no "polling" period where already-connected persons are asked whether to let Bob in. I assume (based on negligible data) that your presence at a meeting in knowable, though details of who you are may be unavailable. The way this is generally handled is via the notion of implied consent (having access to the fact that B now intercepts the communication, and not then shutting up / leaving / objecting). As far as "interception" is concerned, pretty much anything between the computer sound output device and the listener's brain would be interception. It would include hearing aids, but there is a specific exception for hearing aids (by limiting the definition of “Electronic, mechanical, or other device”, so that telephones are not such things (obviously they are electronic devices), and hearing aids are not such devices, as long as it is
A hearing aid or similar device being used to correct subnormal
hearing to not better than normal
(In other words, not something that allows you to hear background stuff that requires technological intervention to amplify).
If the Florida courts follow the "implied consent" pattern for Zoom meetings, as seems most likely, then you have implicit permission to listen, and to record. There is the possibility that you will run afoul of copyright law, by copying protected material: it depends on whether e.g. there is a canned text being read.
The point is, Florida law doesn't have complex exceptions regarding "interception", it has complications regarding when it is forbidden, and whether something is a "communication" of the relevant type.
