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Insurance Coverage& Regulation

We have extensive experience providing counsel and litigating practically every type of property, casualty, personal and commercial auto, life, health, workers' compensation, disability, and long-term care coverage as well as facultative and treaty reinsurance, captives, and syndicates.


The Insurance Coverage & Regulation Practice Area is broad in scope and reach, and our attorneys have substantial experience in issues that run the breadth of the industry.

Our attorneys have extensive experience providing counsel to clients and litigating practically every type of property, casualty, personal and commercial auto, life, health, workers’ compensation, disability, and long-term care coverage as well as facultative and treaty reinsurance, captives, and syndicates. Our attorneys are often called upon to provide advice on policy and coverage requirements in longstanding and established areas of insurance as well as emerging and developing fields such as cyber liability. They are intimately familiar with insurance coverages and underwriting concerns and have a working knowledge of the sophisticated statutes, regulations, administrative orders, and applicable judicial authority.

Our attorneys:

  • Routinely litigate insurance-related disputes throughout the United States and participate in arbitration and mediation proceedings when appropriate. We have been responsible for a number of coverage trials and leading appellate decisions.
  • Assist clients with evaluating and resolving insurance and risk-management issues and crafting risk-transfer mechanisms to minimize exposures and reduce claims.
  • Advise on claims-handling issues, operations and compliance issues, licensing, and complaints before state insurance departments. Our attorneys routinely interact with insurance regulators such as the Office of the Superintendent of Financial Institutions and UK and Canadian regulatory authorities on a wide variety of matters.
  • Audit and counsel on reinsurance claims handling and presentation, XPL and ECO losses, contract construction and interpretation, reserves, risk management, and other subjects.

Our attorneys have a depth of experience in a variety of specialized topics, including transportation risk and commercial auto litigation representing trucking and bus companies, transportation brokers, garages, and tow operators; first-party claims such as arson and misrepresentation; bad faith and extracontractual disputes; rail-disaster-claim administration; and premium and classification disputes.

Our insurance coverage and regulation attorneys provide prompt, comprehensive, and relevant advice to clients on pending insurance issues, including through the publication of monthly insurance coverage email alerts, and offer real-world solutions to resolve complex problems.

Team Members
Representative Experience
  • Successfully defended an insurance company in NYS court against a plaintiff alleging the insurer owed coverage for a water loss under a property insurance policy.

  • George A. Fuller Co. v. USF&G: Successfully represented an insurer in a nationally cited leading construction defect coverage decision that held that, without alleged damage outside the scope of the insured’s work product, faulty workmanship claims do not allege an "occurrence" as contemplated by a comprehensive general liability policy.

  • Steiner v. Anbrook Indus.: Successfully defended an insurance company in federal court against a plaintiff alleging the insurer owed coverage under an insurance policy issued to a roofing contractor that performed allegedly defective work. The court agreed with the client's position that all claims should be dismissed pursuant to the “no direct action” doctrine. 

  • Merchants Mutual v. New York State Insurance Fund: Successfully represented an insurer in an insurer vs. insurer dispute involving a significant underlying construction accident and disputed issues of coverage for contractual and common law indemnification claims. The NYS Appellate Division, Fourth Department agreed that the client's excess general liability policy was inapplicable, resulting in a high six-figure recovery.

  • Successfully convinced the Illinois Appellate Court to uphold summary judgment in favor of the insurer client, holding that exposure under the state financial responsibility filing was limited to statutory minimums and not the policy limit.

  • Successfully defended a coverage action, persuading the US Court of Appeals for the Sixth Circuit that the client's non-trucking exclusion barred coverage where the loss occurred while the insured driver was returning home after multiple deliveries for a motor carrier.

  • Worked with a Lloyd's coverholder to develop and draft a cutting-edge line of specialty accident and disability income policies.

  • Represented a large private university in Upstate New York on its rights to insurance coverage with regard to multiple sexual harrassment claims. 

  • Obtained summary-judgment dismissal of a complaint against the county and district attorneys that sought $9 million in damages for malicious prosecution. 





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