Ronald Kammer has represented insurers throughout the United States for more than 35 years. He has been involved in many significant coverage matters including trials and appeals of cases involving an insurance company's duty to defend, trigger of coverage, breach of policy conditions, claims involving bad faith and unfair and deceptive trade practices, policy rescission and reformation. His experience includes cases involving employer’s liability, the use of automobiles, construction defect, pollution and advertising injury offenses such as copyright, trademark and patent infringement claims under commercial liability policies, as well as matters under claims-made policies including such issues as what constitutes a claim, related and multiple claims and the prior knowledge exclusion. 

Ron has over 100 reported decisions involving general liability, professional liability, excess and umbrella and property insurance, as well as bad faith matters. He has argued cases before the Florida Supreme Court, First and Eleventh Circuit Courts of Appeals and Florida Court of Appeals. He has served as an expert witness on many occasions as well as lead counsel for insurance clients in several MDL actions.

Professional Background

Ron Kammer previously served as the co-leader of Hinshaw's global Insurance Services Practice Group. He is also the former Co-Partner-in-Charge of the firm's Miami office and a past Business Development Partner and Regional Director for the firm.

Professional Affiliations

  • American College of Coverage Counsel (ACCC), Fellow
  • American Bar Association
    • Insurance Coverage Litigation Committee, Past National Co-Chair
      • Advertising and Personal Injury Committee
      • Bad Faith
      • Construction, 2015
      • Annual Meeting, Co-Chair, 2005
    • Trial Evidence Committee, Past National Co-Chair

Honors & Awards

  • Recognized by Chambers USA: America's Leading Lawyers for Business, Insurance – Florida (Band 4), 2021
  • Recognized on the Super Lawyers list by Florida Super Lawyers magazine, 2008 – 2021
  • Recognized by Best Lawyers® as the Legal Malpractice Law  – Defendants "Lawyer of the Year" in Miami, 2022
  • Recognized by Best Lawyers® as the Insurance Law "Lawyer of the Year" in Miami, 2020
  • Selected by his peers for inclusion in The Best Lawyers in America© for Commercial Litigation, 2006 – 2022; Insurance Law, 2006 – 2022; Legal Malpractice Law – Defendants, 2006 – 2022
  • International Who's Who of Business lawyers Insurance and Reinsurance since 2011
  • Named to South Florida Business Journal's Power Leaders in Law list, 2014 – 2017
  • Named in Florida's Best Lawyers-Insurance Law, 2012 – 2013
  • Chosen as one of the Florida Legal Elite™ for 2011 in the area of Insurance, by Florida Trend magazine, July 2011
  • Holds the AV® Peer Review Rating from Martindale-Hubbell, its highest rating for ethics and legal ability


  • Panelist, "Litigating Complex Construction Defect Cases During COVID-19," West Coast Casualty Construction Defect Seminar, Las Vegas, Nevada, October 8, 2021
  • "Clear as Mud: Breaking Down the Complexities of What Constitutes Property Damage in Construction Cases," ABA's Insurance Coverage Litigation Committee CLE Seminar, Virtual Event, March 18, 2021

Ron's additional presentations and roles at conferences and seminars include:

  • Chair, HarrisMartin Chinese Drywall Litigation Conference, 2010
  • "When the Barn is Blazing: Recent Developments in Law on Montrose Endorsements, 'Prior Knowledge' Exclusions and Limitations, and the True Meaning of Fortuity"
  • "Insurance Coverage Issues and Trends"
  • "One Occurrence Becomes Two: Addison Insurance Co. v. Fay"
  • "Has the Paradigm Shifted? The Role of Judicial and Legislative Activism in the Resolution of Insurance Coverage Disputes"
  • "Are Two Policies Better Than One," ACCEC Annual Meeting, 2018
  • "Insurance Coverage for Construction Defects Claims in Florida," The Seminar Group 2017
  • "Critical Coverage Issues for Construction Defect Suits," National Construction Conference 2017
  • "The Impact of Climate Change and Insurance," Hinshaw & Culbertson LLP Climate Change Conference, 2017, 2018
  • "Critical Insurance Considerations"
  • "Bankruptcy v. Limited Insurance Proceeds"
  • "Insurance for Defective Construction in Florida" West Coast Casualty Conference, 2013, 2014, 2015
  • "Top East Region Appellate Decisions," Third, Fourth, and Fifth Annual MCC Consultants East Coast Construction Defect and Insurance Coverage Conference
  • "First Party Bad Faith"
  • "Interpreting Lawyers' Professional Liability Policies – Recent Decisions and Recurring Issues"
  • "The Future of Litigation Management Guidelines: Options Beyond the Billable Hours"
  • "The Enhanced Risk of Inconsistency in Coverage Litigation"
  • "Tactical, Strategic and Ethical Issues Concerning The Prosecution of a Coverage Action During the Pendency of the Underlying Action"
  • "Mediation and Construction Defect Coverage Issues"
  • "Questions that Arise in Professional Liability Insurance Policies – the Who, What, How Many and How Much"
  • "Insurance Issues that Impact Lawyers"
  • "Emerging Bad Faith Issues"
  • "Insurance Coverage and Declaratory Judgment Actions"
  • "Insurance Coverage for Construction Defect Claims"
  • "Insurance Coverage for Design Professionals"
  • "Insurance Law: Third Party Coverage in Florida"
  • "Settlement Considerations in Building Defect Cases"
  • "The Role of Coverage Counsel in the Mediation of Construction Defect Cases"
  • "Ethics Update for Florida Lawyers"
  • "Issues Confronting Women in Law firms"
  • "What Everyone Wants to Know About Mediations," Annual Meeting for the Miami-Dade County Bench & Bar, 2014


Ron has written a number of professional journal articles relating to insurance coverage issues. Among them are:

  • "The First Results Are In – Courts Are Finding No Coverage for Business Interruption," Insurance Coverage Law Center, August 26, 2020
  • "Courts Find No Coverage for COVID-19 Business Interruption Claims," Daily Business Review, August 24, 2020
  • "Does Insurance Cover Business Losses Resulting from COVID-19," Daily Business Review, March 31, 2020
  • "How Driverless Cars Will Impact the Insurance Industry," Daily Business Review, May 19, 2017
  • "Fifty-State Survey: Daubert v. Frye—Admissibility of Expert Testimony," American Bar Association, January 2017
  • "Mediation from A to Z, and Where Trust is the Key" Daily Business Review, September 8, 2014
  • "Did the Court in Curran Tip the Scales in Favor of Policyholders or Just Insure that Consumers Obtain the Protection they Paid For" Daily Business Review, March 2014
  • "Economic loss doctrine returned to its roots," Insurance Day, April 4, 2013
  • "High Court asked if Ambiguity Resolved with Extrinsic Evidence," co-author, Daily Business Review, June 5, 2012
  • "Something is Rotten in Denmark (and Florida) – Is there Insurance Coverage for the Chinese Drywall Problem?" co-author, HarrisMartin Chinese Drywall Litigation Conference, June 2009
  • "Can Excess Insurers Assert a Late Notice Defense?" Coverage, May/June 2003
  • "Is it Bad Faith to Settle on Behalf of One, But Not All of Your Insureds?" Coverage, January/February 2002
  • "Professional Liability, To Report or Not to Report," Florida Lawyer, September 2001
  • "Professional Liability, Covered or Bare?" Florida Lawyer, September 2000
  • "Avoiding Bad Faith in Multiple Insured/Multiple Claims Situations," Coverage, November/December 1998
  • "Can an Insurance Company Commit Bad Faith When Prosecuting Its Complaint for Declaratory Relief?" Coverage, September/October 1997
  • "Lead Poisoning: The Asbestos of the 1990s Claims, Liability & Coverage," IDC Quarterly, First Quarter 1995

J.D., University of Miami School of Law, 1980

  • Member, Moot Court Board
  • Order of Barristers

B.A., cum laude, Macalester College, 1977