Find Lawyers in Miami, Florida for Insurance Law
With experience defending over 250 class action cases in state and federal courts throughout the United States, Marcy Levine Aldrich is chair of Akerman’s Class Action Defense Litigation Practice. Noted by Chambers USA for her “strong reputation,” Marcy litigates complex disputes, including class action litigation and complex insurance litigation with a focus on serving national and regional insurers in connection with auto insurance, property casualty and other insurance is...
Nancy Copperthwaite litigates complex disputes, including class actions and appeals, and advises employers on employment law issues. She has handled more than 100 appeals and has argued in all five of Florida’s district courts of appeal (DCA) as well as in the United States Court of Appeals for the Eleventh Circuit. Ranked by Best Lawyers in America for appellate work, her diverse experience includes handling appeals of bankruptcy proceedings, class actions, complex commercial matters, ...
Gary Guzzi serves as chair of Akerman’s Insurance Litigation Practice, a national team of 45 lawyers representing leading domestic and foreign carriers, self-insured corporations, municipalities, and related entities in insurance coverage and bad faith litigation. He protects the interests of national and international insurance carriers in bad faith disputes, coverage claims, rescissions and ERISA-governed policies. With comprehensive experience in insurance disputes, Gary litigates li...
Practice Experience Mr. Kline's area of practice is complex commercial and international litigation. Since 1971, he has handled jury and non-jury trials in the state and federal courts in Florida and other jurisdictions and has conducted arbitrations under the ICC and the AAA. He currently serves as Panel Counsel for AIG's Directors and Officers Litigation Panel and AIG's Financial Services Complex Claims Panel. Representative matters include antitrust litigation involving price fixing, attem...
Jack McLuskey’s legal practice is in the area of civil litigation with an emphasis on personal injury, medical malpractice, products liability, all aspects of insurance law, commercial litigation and disability insurance law. A formidable courtroom presence, Mr. McLuskey has gained respect in the legal and business communities as a trial lawyer responsible for many courtroom victories. He is a board-certified trial lawyer by the Florida Bar and has trial advocacy skills. Held in high re...
Scott Allbright has significant litigation experience in state and federal courts. Within Akerman’s Litigation Practice Group, he concentrates on complex issues affecting insurance carriers—ranging from claim investigation to litigation strategy to resolution—with an emphasis on state and federal class actions. Scott prides himself on meticulous attention to detail and on his ability to build relationships with clients based on communication and consultation.
Insurance Law Definition
Insurance policies sold to corporate policyholders protect against a wide variety of risks, including liability or loss resulting from: (i) allegedly defective products (including medical devices and pharmaceuticals), (ii) data breaches and other internet-related claims, (iii) mass torts, including exposure to harmful substances such as asbestos and silica, (iv) property damage and business interruption, (v) man-made and natural disasters, (vi) securities and business torts (often involving shareholder class actions and/or SEC investigations and enforcement actions), (vii) environmental damage, (viii) employment claims (including worker’s compensation and discrimination claims), (ix) professional liability, and (x) and crime/fraud. The major types of insurance policies purchased by corporate policyholders include general liability policies, directors and officers liability policies, fiduciary liability policies, employment practices liability policies, errors and omissions and professional liability policies, first-party property and business interruption policies, marine insurance, crime/fraud policies, workers compensation policies, environmental impairment policies, and a wide variety of specialty products (e.g., media policies, satellite launch and in-orbit insurance, product recall policies, cargo policies, product tampering policies, event cancellation coverage). Major markets for buying and selling insurance include the United States, London, Bermuda, and Europe.
Insurance programs sold to and purchased by corporate policyholders typically include several layers of insurance, with a primary insurance policy that often sits above a deductible (or self-insured retention) and with multiple layers of excess policies sitting above the primary policy. Large claims can often implicate coverage under dozens of policies sometimes spanning years or decades. In contrast, individual policyholders typically purchase life insurance, health insurance, disability and/or long-term care insurance, homeowners or renters insurance, automobile insurance, and sometimes specialty insurance, such as coverage for jewelry or works of art, travel insurance, etc.
Law firms provide clients with insurance coverage counseling and advice on a wide array of issues, ranging from assessments of coverage for particular losses and representation in coverage disputes to providing help with assembling a coverage portfolio and formulating favorable policy language when insurance is being purchased or renewed. Firms also advise clients regarding the insurance assets being transferred in corporate transactions, with tax planning in connection with insurance payments or recoveries, and with alternative underwriting programs, such as captive insurance entities.
Policyholders and insurers dealing with significant losses often call on outside coverage counsel for advice and assistance in pursuing coverage or responding to claims for coverage, as the case may be. In the event of a dispute over coverage for a particular claim, the insurer and insured may resort to litigation, arbitration, or mediation to resolve their differences. If the parties proceed to litigation, the case may proceed in either federal or state court, even though the substantive insurance law issues are decided as a matter of state law. Some insurance policies require the parties to resolve coverage disputes through either domestic or international arbitration. In recent years, an increasing number of large disputes have been resolved through international arbitration, often in London or Bermuda. In many cases, experienced coverage counsel can facilitate resolution of a coverage dispute without having to resort to the courts (or to arbitration). In other cases, settlement negotiations proceed on a parallel track while the litigation (or arbitration) moves forward.
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Enhancing Consumer Safety Through Winning Jury Trials and Substantial Settlements
by Justin Smulison