Terra Gross counsels first-party insurance carriers through investigations and litigation involving alleged losses across the United States. From pre-suit advice and drafting coverage opinions, to litigating coverage issues and bad faith claims in state and federal courts, she enjoys providing clients with pragmatic analysis and open communication.

Terra's clients further benefit from her hands-on litigation experience gained from serving as civil litigation counsel for state employees and agencies in state and federal trial courts and the Illinois Court of Claims as an Assistant Attorney General for the Illinois Attorney General’s Office, Government Representation Division.

Prior to joining Hinshaw, Terra drafted coverage opinions and litigated on behalf of first-party insurers at a boutique law firm in Chicago. She was also a law clerk for the Honorable Sophia H. Hall in the Chancery Division of Cook County Circuit Court. Seeing the trial court’s perspective on the litigation of insurance contracts, business and employment agreements, administrative decisions, and interests in real property sparked Terra’s interest in insurance coverage disputes.

Terra gained additional experience from legal clerkships and internships prior to joining the bar, including working for the Honorable Holly F. Clemons in the Champaign County Circuit Court, the Champaign County Public Defender, the Illinois Senate Republican Staff, and Resolution Systems Institute.

As a law student, Terra made pro bono service a central part of her studies and ultimately earned a pro bono notation. Terra was involved in a number of activities and societies during law school, including the Illinois State Bar Association (ISBA) and Phi Alpha Delta. Drawing on her teaching background, she also supervised America Reads/America Counts tutors at local schools.

Professional Affiliations

  • Chicago Bar Association
  • Defense Research Institute (DRI)
  • National Association of Women Lawyers

Honors & Awards

  • University of Illinois College of Law
    • ALI CLE Scholarship & Leadership Award
    • Certificate of Recognition of Public Service, ISBA
    • Dean's List
    • Harno Scholar
    • Lincoln Scholarship
    • Rickert Award for Excellence in Service


Originally from Portland, Oregon, Terra is an avid gardener who is still adapting to USDA Plant Hardiness Zone 5b. Although she misses the mountains, she likes exploring the changing seasons with her children at the Chicago Botanic Garden and the many lakefront paths along Lake Michigan, as well as attending the Chicago Full Moon Jams.

Community/Civic Activities

  • Chicago Volunteer Legal Services, Pro Bono Volunteer

J.D., magna cum laude, University of Illinois College of Law, 2013

M.Ed., Portland State University, 2010

B.A., Prescott College, 2006