Insurance and reinsurance companies need legal counsel who understand their business.  In the Insurance Practice Group, Clark Hill has experienced attorneys with a comprehensive understanding of the environment in which their clients operate.  Our attorneys regularly represent insurers in all aspects of their business.  A number of our attorneys have worked in insurance companies, which gives them a unique perspective on our clients’ concerns.  We focus on finding strategic solutions, looking beyond the individual matter to the long-term interests of the company.  We use our in-depth knowledge of the industry to carefully consider the unique issues in each individual matter in order to fashion innovative and cost-effective solutions.

As a full-service firm, Clark Hill is uniquely equipped to assist insurers and reinsurers in all aspects of their business, from claims counseling, litigation and arbitration, to business transactions and tax matters, regulatory issues and government relations.  Attorneys in the Insurance practice area routinely work with attorneys from other practice areas in order to obtain the results expected by our insurer clients.  We have offices in a growing number of cities nationwide, which allows us to seamlessly provide services to our clients anywhere in the country.  Clark Hill offers each client a customized web-based portal to manage work on a national or global scale.

Clark Hill represents commercial insurers in matters involving primary, umbrella, excess, surplus lines and reinsurance.  We have experience in a wide variety of coverages, including property and casualty, life, health and disability, professional liability and directors and officers liability. Our attorneys have helped conceive specialty insurance programs and have provided critical assistance with large claims that implicate multiple layers and periods of coverage.

Claims Counseling

Clark Hill attorneys regularly advise our clients regarding coverage issues under a wide variety of coverages arising out of countless factual scenarios.  We provide a candid assessment of the issues and always consider whether positions asserted in that matter would impact the long-term interests of the company.

Insurance Coverage

Clark Hill maintains a successful and broad-based practice relating to insurance coverage issues. Clark Hill is highly skilled in representing insurance companies in complex insurance coverage-related litigation including employment liability, commercial general liability, personal injury, premises liability, construction defects, pollution/environmental contamination, mass tort, automobile liability/no-fault, advertising injury, professional liability, directors and officers liability, subrogation and bad faith.

Clark Hill also counsels and provides sophisticated insurance coverage analyses and opinions to insurance companies. We advise before issuance of the policy and throughout the course of coverage litigation, including any appeal. Many of our insurance clients serve specialty markets such as risk pools, governmental liability, and professional errors and omissions. Our experience with those markets’ legal issues helps underwriters formulate coverage proposals that protect the carrier and potential insureds. We then work with the underwriters, helping to draft coverage documents in unique and difficult markets. Our experience with coverage documents and endorsements helps carriers limit unintended coverage or gaps in coverage. Once these documents are in place, we address issues raised by a range of policies—including primary and excess policies, as well as reinsurance treaties, and facultative certificates. Clark Hill also guides carriers through administrative and statutory issues such as premium rating, surplus lines, and forms approval.

Clark Hill has participated in ground-breaking federal and state court litigation concerning insurance coverage. It also has designed novel approaches to resolving coverage issues through declaratory judgment actions, alternative dispute resolution and other means.

Insurance Liability Defense

We routinely defend insureds in areas including construction, drug and medical devices, employee benefits, energy, environmental law, fidelity and surety, health law, intellectual property, products litigation, professional liability, and transportation.

Insurance Litigation & Arbitration

Sometimes litigation is unavoidable.  Clark Hill attorneys regularly represent insurers in complex multi-party litigation in courtrooms and arbitration panels throughout the United States and abroad.  We also serve as panel counsel for several insurers as it relates to employment practices liability insurance (EPLI) and directors and officers liability insurance (D&O). Our attorneys have defended insurers in numerous high-profile coverage actions involving long-tail claims, such as environmental contamination or exposure to asbestos-containing materials or toxic chemicals.

Our experience in representing insurers has allowed us to thoroughly understand the needs of insurers and their clients. As early as possible, we provide a detailed opinion, outlining the issues, potential pitfalls and a proposed strategy for resolution. We find that we can often dispose of litigation at the pleading stage or early settlement.

We routinely represent insurance carriers in first-party and third-party coverage disputes, including those involving claims of bad faith, deceptive trade practices, insurance code violations, and insurer negligence. We have also been involved in market conduct litigation, ranging from agent misrepresentation to compliance issues.

Our attorneys have expansive experience spanning a number of fields, including antitrust, construction, drug device and biotech, employee benefits, environmental, fidelity and surety, managed care, personal injury, products liability, and professional liability.

Where necessary, Clark Hill attorneys have the experience and resources necessary to defend the company at trial in any jurisdiction.

Life & Health Insurance

Clark Hill’s life insurance practice is both extensive and long-standing.  Our attorneys have represented numerous insurers and reinsurers in a wide variety of cases and consultations.  We have substantial experience with disputes arising out of stop-loss contracts over self-insured entities or pools.  Clark Hill attorneys also have significant experience with issues relating to life settlements, including the significant concerns with respect to Stranger Originated Life Insurance contracts.  Our attorneys also have substantial experience with matters involving alleged misrepresentation, where we have had success on dispositive motions where possible and appeal where necessary.

Regulation & Government Relations

As participants in a highly regulated industry, insurers have a long experience in dealing with state regulators and the National Association of Insurance Commissioners.

However, given recent events in the financial world, insurers may face a new regulator on the federal level.  Clark Hill has long represented insurers on regulatory issues, including initial licensing and renewal, filing and approval of rates and forms, statutory accounting and reserve issues, underwriting practices and examination disputes.

With a Washington D.C. office, Clark Hill also provides governmental relations services with respect to the proposed Optional Federal Charter and other proposed federal legislation that will impact the insurance industry.

Reinsurance & Excess

Our representation of insurance carriers extends into more concentrated areas of excess and reinsurance coverage. We represent the interests of excess carriers by monitoring and reporting the activities of primary carriers and counsel hired by them, as well as by protecting the excess carrier’s interests in coverage litigation. Our team also represents various ceding carriers and reinsurers, both facultative and treaty, in disputes regarding reinsurance coverage in court and before arbitration panels.


Established a Delaware-domiciled risk purchasing group for 14,000 member trade association for the purchase of liability insurance on a group basis

Lead counsel for carrier in a three-member New York arbitration against four excess and a catastrophe layer of commercial auto clash cover reinsurance

Lead counsel for an MGA in an Insurance Department investigation regarding unlicensed activity and excessive fees

Lead counsel for an appointed actuarial firm before the Securities and Exchange Commission as well as in SDNY class action, wherein the allegations included the sufficiency of public company’s loss reserving

National and coordinating counsel for excess workers comp carrier providing coverage for self-funded employers, captives, and trade associations, appearing in more than two dozen federal court matters across the country

Lead counsel in London-situs arbitration, where testimony and documents produced in U.S., involving the experience account balance of more than $25m for a property catastrophe excess, finite retrocession agreement involving 9-11 risks

Engaged by an international carrier to establish uniform, company-wide reinsurance templates for more than twenty products, covering more than $1b in annual ceded risk

Provide coverage opinions to insurance companies on CGL policies covering Fortune 500 companies

Insurance Industry Regulation - Successfully deflected an attempted hostile takeover of a domestic insurer by an out-of-state insurance company in proceedings before the Pennsylvania Insurance Department.

Insurance Industry Regulation - Represented insurers in matters relating to the licensing of insurance agents.

Insurance Industry Regulation - Represented insurers at hearings before the Pennsylvania Insurance Department.

Insurance Industry Regulation - Represented insurers in litigation under the Commonwealth Court’s original jurisdiction and the Pennsylvania Supreme Court’s appellate jurisdiction pertaining to issues relating to Pennsylvania Insurance Department oversight and regulation of insurance companies.

Insurance Industry Regulation - Represented insurance companies on regulatory matters before the Pennsylvania and out-of-state Insurance Departments.

Insurance Industry Regulation - Counseled insurers relating to contract and rate filings with the Pennsylvania Insurance Department.