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Anne Juntunen

Senior Attorney

Anne Juntunen counsels insurance carriers on coverage for claims under fidelity and other specialty insurance policies. She has extensive experience providing coverage opinions, resolving policyholder disputes, and litigating on behalf of insurers.

Having spent more than a decade representing insurers in fidelity coverage matters, Anne has a deep knowledge of the issues that arise under crime policies. She has also advised on coverage under professional liability policies, cyber policies, technology errors and omissions policies, and media liability policies. Anne has advocated for clients in litigation in state and federal courts in the United States as well as Canadian provincial courts in Ontario and Alberta. Her litigation experience includes motions and trials as well as appellate arguments.

Prior to joining Clark Hill, Anne served as an in-house coverage attorney for a major insurer where she provided coverage advice and guidance to claim professionals across both the United States and Canada. In her in-house role, Anne had the opportunity to see firsthand the pressures facing claim professionals. Now, as outside counsel to the industry, Anne enjoys applying the understanding she acquired in-house to help clients achieve the best possible claim outcome in every matter.

Education

J.D., Washington University School of Law, St. Louis, Missouri, 2006
B.A., Tufts University, 2003, International Relations and German

Memberships

American Bar Association – Tort Trial & Insurance Practice Section, Fidelity & Surety Law Committee

Languages

German

State Bar Licenses

California, Georgia, Ontario, Canada

Presentations

  • A ₿it too Ξthereal? Theft and Fraudulent Transfer of Cryptocurrency under the Bond, Northeast Surety and Fidelity Claims Conference (September 2022)
  • Fidelity Law Update, Fidelity Law Association Conference (November 2022)

Experience*

  • Successfully argued the first Canadian case addressing coverage for social engineering fraud under a fidelity insurance policy. The Alberta Court of Queen’s Bench held that social engineering fraud fell outside the funds transfer fraud and computer fraud insuring agreements of a commercial crime policy. The Brick Warehouse v. Chubb Insurance Company of Canada, 2017 ABQB 413.
  • Maintained day-to-day carriage of litigation on behalf of two insurers in a large fidelity coverage lawsuit involving the interpretation of a London manuscript fidelity policy’s direct loss requirements and ownership clause. This case involved several motions and a successful appeal in which Anne worked together with counsel representing other tower insurers to convince the Ontario Court of Appeal to overturn an erroneous partial summary judgment ruling. In its appellate decision the Ontario Court of Appeal held, among other things, that the issue of whether the insured had sustained a direct financial loss could not be determined without examining the insurance policy as a whole. TD Bank v. Lloyd’s Underwriters et al., 2017 ONCA 1011; 2016 ONSC 4188; 2016 ONSC 5993.
  • Served as first-chair trial counsel for a major insurer in a two-week trial involving whether an alleged defaulter qualified as an employee under a commercial crime policy. 688857 Ontario Ltd. v. Aviva Insurance Co. of Canada, 2018 ONSC 5891.
  • Successfully argued a motion to enforce the arbitration provision of a trade credit insurance policy. The court held that the insurer’s release agreement with its Nova Scotia-based policyholder did not extinguish the policy’s terms and conditions and, therefore, that a dispute over recovery rights must be resolved through arbitration. AIG Insurance Co. of Canada v. Canjam Trading Ltd., 2015 ONSC 149.
  • Represented the lead carrier for a large, publicly traded pharmaceutical company in a matter involving coverage under its directors’ and officers’ insurance policy.
  • As a law clerk, served as the right hand to a U.S. federal magistrate judge, assisting the judge through all steps of trials, motions for summary judgment, and procedural motions.
  • Provided coverage and investigation advice to an insurer in a matter involving the large-scale theft of gasoline from a mine in east Africa.
  • Obtained a favorable resolution of litigation at a mediation involving claims that an addiction treatment center had paid illegal kickbacks.
  • Counseled an insurer on fidelity coverage issues for a bank’s claim under a fidelity bond involving a Ponzi scheme that ensnared multiple financial institutions.
  • Advised an insurer’s product development team on wordings for a proposed new endorsement providing coverage for social engineering and other fraud schemes.
  • Advised an insurer on coverage for late-noticed medical malpractice claims under a Puerto Rico hospital liability policy.

*Experience completed prior to joining Clark Hill.