Representative Matters

Holly Harvey advises clients on a wide range of insurance-related matters, focusing on coverage and bad faith. For over 25 years, she has acted as coverage counsel in hundreds of high-risk claims, including construction defect cases, catastrophic losses and mass disasters on land, air, and sea, environmental claims, and class actions.

With her extensive knowledge and experience, Holly has been called upon to serve as an expert witness on multiple occasions. Additionally, her clients—along with industry leaders—frequently ask her to speak and write on coverage and defect issues.

Before joining Hinshaw, Holly handled virtually all manner of insurance coverage and bad faith cases at an international law firm.

Professional Affiliations

  • American Bar Association
    • Section of Litigation
    • Tort Trial & Insurance Practice Section (TIPS)
    • Corporate Counsel Committee
    • Complex Torts Subcommittee, Former Co-Chair
  • Claims & Litigation Management Alliance
  • Federation of Defense and Corporate Counsel
  • Florida Association for Women Lawyers
  • Florida Bar
    • Appellate Practice Section
    • Appellate Rules Liaison Committee
    • Publications Committee

Honors & Awards

  • Professional
    • Selected by her peers for inclusion in The Best Lawyers in America© for Insurance Law, 2023 – 2024
    • Recognized by Chambers USA: America's Leading Lawyers for Business
      • Insurance: Dispute Resolution – Florida, (Band 4) 2022, (Band 3) 2023
    • Holds the AV® Peer Review Rating from Martindale-Hubbell, its highest rating for ethics and legal ability
  • Academic
    • University of Miami School of Law
      • Law Review scholarship
      • Lillian R. Levy Award for Excellence recipient
      • University of Miami Inter-American Law Review, Research and Writing Editor

Representative Matters

  • Mama Jo’s, Inc. v. Sparta Ins. Co., 832 F. App’x 868 (11th Cir. 2020): Holding dust and debris that entered premises from adjacent road construction did not constitute “direct physical loss or damage to property” that would be covered under a commercial property insurance policy.
  • Altman Contractors, Inc. v. Crum & Forster Specialty Ins. Co., 232 So. 3d 273 (Fla. 2017), answering certified question from the Eleventh Circuit. Holding that the statutory pre-suit process under Florida Statutes, Chapter 558 constitutes an alternative dispute resolution proceeding that may give rise to a duty to defend under a standard CGL policy, if the insurer consents to the insured's participation in the chapter 558 process.
  • Core Constr. Servs. Se., Inc. v. Crum & Forster Specialty Ins. Co., 658 F. App'x 534 (11th Cir. 2016). Affirming summary judgment determining that CGL carrier had no duty to defend USD 2.5 million claim against general contractor asserting that project owner had to replace hurricane-damaged roofs on condominium buildings as a result of roofing subcontractor's faulty work because the claim was not one for damages because of "property damage."
  • Summit Contractors, Inc. v. Crum & Forster Specialty Ins. Co., 633 Fed. App'x 785 (11th Cir. 2016), aff'g, 76 F. Supp.3d 1381 (M.D. Fla. 2015). Holding that third-party indemnity payments could not be applied to satisfy insured's self-insured retention under CGL policy.
  • Spaulding Decon, LLC v. Crum & Forster Specialty Insurance Company, 158 F. Supp. 3d 1293 (S.D. Fla. 2016). Holding CGL carrier had no duty under policy's personal and advertising injury coverage to defend insured against a claim for breach of the confidentiality provision in a settlement agreement.
  • Amerisure Mut. Ins. Co. v. Crum & Forster Specialty Ins. Co., No. 2:12-CV-443-FTM-29CM, 2014 WL 3809113 (M.D. Fla. Aug 1, 2014). Holding that under Florida law, one co-insurer could not state a claim against another co-insurer for equitable contribution for the cost of defending their mutual insured, and that complaint presented no case or controversy.
  • Shelley's Septic Tank, Inc. v. U.S. Fire Ins. Co., No. 6:10-CV-932-ORL- 28, 2011 WL 5358624 (M.D. Fla. Nov 7, 2011). Holding that insurer's agreement to defend the insured against an amended complaint alleging a potentially covered claim was not a "confession of judgment" entitling insured to recover statutory attorney's fees against insurer on a claim regarding the original complaint; upholding application of employee exclusion as to original complaint.
  • Rolyn Cos., Inc. v. R&J Sales of Texas, Inc., 412 Fed. App'x 252 (11th Cir. 2011). Affirming summary judgment for insurer based upon insured's breach of voluntary payment clause.
  • Mastec, Inc. v. U.S. Fire Ins. Co., 361 Fed. App'x 37 (11th Cir. 2010). Affirming summary judgment for insurer based upon pollution exclusion.
  • Aronowitz v. Health-Chem Corp., 513 F.3d 1229 (11th Cir. 2008). Affirming judgment as a matter of law against inventor on breach of contract claim, and reversing USD 2.6 million award to inventor on trademark infringement claim as legally unsupported by the evidence.
  • U. S. Fire Ins. Co. v. Milood Ben Ali, 198 F. Supp.2d 1313 (S.D. Fla. 2002). Holding truck used by subcontractor was not a "hired auto" and that subcontractor was not an omnibus insured under prime contractor's commercial umbrella policy. Aff'd, 61 Fed. App'x 669 (11th Cir. 2003).
  • Royal Ins. Co. v. Latin America Aviation Servs., Inc., 210 F.3d 1348 (11th Cir. 2000). Holding that cargo legal liability exclusion in aircraft liability insurance policy excluded coverage for theft of cargo during course of carriage.
  • McAleer v. Smith, 57 F.3d 109 (1st Cir. 1995). Affirming summary judgment in favor of ship captain's estate in capsize case where captain was not owner pro hac vice or partner in vessel or employer of plaintiff's decedents, and decedents had no common law or DOHSA claim against captain.
  • Anthony v. G.M.D. Airline Servs., Inc., 17 F.3d 490 (1st Cir. 1994). Reversing jury award in favor of airline pilot against airline in personal injury claim as against the manifest weight of the evidence.
  • General Star Indem. Co. v. Boran Craig Barber Engel Constr. Co., Inc., 895 So. 2d 1136 (Fla. Dist. Ct. App. 2005). Holding Florida's nonjoinder statute prevented general contractor from pursuing direct action against subcontractor's insurer.
  • Great American Ins. Cos. v. Souza, 855 So. 2d 187 (Fla. Dist. Ct. App. 2003). Holding auto exclusion in airport liability policy precluded coverage for wrongful death claim involving a passenger on a shuttle.
  • Aerolineas Argentinas, S.A. v. Gimenez, 807 So. 2d 111 (Fla. Dist. Ct. App. 2002). Reversing trial court and ordering dismissal of 52 wrongful death claims to Argentina under doctrine of forum non conveniens.
  • Underwriters of Lloyd's of London v. CZX Prods., Inc., 686 So. 2d 706 (Fla. Dist. Ct. App 1996). Reversing summary judgment for aircraft owner against insurers under all risks hull policy based upon fact issues involving London insurance market and agency of broker.


  • Co-Presenter, "Ethical Issues in the Defense of Construction Defect Claims," 6th Annual Insurance in the Construction Industry Conference, Virtual Event, August 26, 2022
  • Panelist, "COVID-19 Claims," Hinshaw's Webinar Series: Insurance Insights – What Insurers Need to Know in 2021, Virtual Event, April 22, 2021
  • "FMIC AI Seminar," September 25, 2020
  • "Navigating Insurance in Construction Claims - Latest Laws and Trends," The Florida Bar, 14th Annual Construction Law Institute, Orlando, FL, 2020
  • "Ethical Considerations in a Complicated Defense," The Seminar Group's 3d Annual Insurance in the Construction Industry Conference, 2019
  • Author and presenter, "Strategies for Handling Construction Defect Claims," private presentation, 2019
  • Program Co-chair, The Seminar Group's Preventing or Minimizing Construction Defect Litigation conference, 2019 (panelist, "Insurance Coverage")
  • Co-author and presenter, "Bad Faith," Clyde & Co's US Litigation School, London, England 2018
  • "Ethical Considerations in a Complicated Defense," The Seminar Group's 2nd Annual Insurance in the Construction Industry conference, 2018
  • "Ethical Considerations: The Choice of Counsel," Insurance in the Construction Industry Seminar, 2017
  • "Evaluating Additional Insured Coverage and Contractual Indemnity Issues," CLM Training Program, 2017
  • "Insights: Florida Insurance Coverage and Liability Defense," private presentation, 2016
  • Author and co-presenter, "Coverage Tail Wagging the CD Dog? Strategies for Handling Coverage Issues in Mediation," 22nd Annual West Coast Casualty Construction Defect Seminar, 2015
  • "It's Not Personal, It's Strictly Business: Professional Services Definitions, Business Pursuits Exclusions, and Gaps Between the Two," Claims & Litigation Management Alliance's 2013 Bad Faith/Coverage/ Fraud Conference, 2013
  • Co-author and presenter, "Getting Others & Their Insurers to Pay You: Additional Insured Coverage," HarrisMartin's Chinese Drywall Litigation Conference, 2010
  • Florida CLE lecture topics, including The Economic Loss Rule, Diversity of Citizenship in Cases Involving Lloyd's Insurers, Amendments to the Federal Rules of Civil Procedure, and Medicare Subrogation and Third Party Liability


  • Co-author, "Recent Developments in Insurance Coverage Litigation," 38 Tort Trial & Ins. Practice L.J. 447, 2003
  • "Of Flogging and Electric Shock: A Comparative Tale of Colonialism, Commonwealths, and the Cat-O’-Nine Tails," 24 U. Miami Inter-Am. L. Rev. 87, 1992

J.D., cum laude, University of Miami School of Law, 1992

B.P.S., Barry University, 1989