Hinshaw & Culbertson LLP is one of the nation's leading firms representing domestic and foreign insurance companies in a full range of matters. We regularly represent insurers in state and federal courts across the country and internationally at the trial and appellate court levels. We evaluate and resolve matters from the claims stage through mediation and arbitration. We provide coverage analysis and opinions. We also evaluate client portfolio issues, assist in product development and drafting contract language, and provide training and other advice. We often serve as national or regional counsel. Our lawyers also represent insurers with regulatory compliance. Insurers appreciate The Hinshaw Advantage.
Providing the Full Range of Services
Our advice and representation extends to a full range of matters, including:
Spanning the Full Spectrum of Policy Types
We are well-versed in the full panoply of commercial and personal lines insurance policies, including:
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Hinshaw lawyers also have specific experience in a variety of specialty policies, lines, and products, including MGA, jewelers, fine arts and collectibles, classic cars and antiques, identity theft, drones, transportation, pharma, organic foodstuffs, green technology/buildings, weather derivatives, nanotechnology, mining, railroad, kidnap and ransom, travel, equine, animal, warranty programs, life settlements, lender placed coverage, and Native American/Tribal and affinity programs.
Our extensive knowledge also extends to a variety of structures for managing, transferring, and retaining risks, including self-insurance, fronting arrangements, captive policies, risk retention groups, pooling arrangements, and trusts.
Insurance Coverage Litigation & Counseling
Hinshaw is one of the premier law firms representing insurers in a wide-range of coverage litigation and coverage disputes nationally and internationally. Hinshaw lawyers have appeared in courts in every state, in every federal circuit and before the United States Supreme Court. Our experience includes coverage issues arising out of losses relating to products, operations, and premises; pollution, mold, toxic torts, and global warming; intellectual property; invasion of privacy, false imprisonment, slander, and defamation; advertising, publishing, and media liability; cyber liability; malpractice and professional liability claims of various types; spinal fixation devices; construction defects; sexual abuse; murder; property damage; and lost profits. We represent insurers in declaratory judgment actions, actions involving defense, indemnity, and reimbursement, and actions seeking a wide range of relief including declaratory relief, compensatory and punitive damages, rescission and reformation.
Our lawyers have extensive experience in claims review and analysis, due diligence audits and inspections, negotiating the resolution of specific matters and commutations involving multiple books of business, assisting in building business relationships and workable protocols between companies in addition to serving as counsel in mediations, arbitrations, trials, and appeals in the full range of coverage disputes. We have served as national and regional counsel and are adept at coordinating activities and maintaining consistency.
Bad Faith, Extra-Contractual Liability, Business Practices, Market Conduct Claims & Class Actions
Hinshaw lawyers regularly evaluate and advise clients in myriad bad faith, extra-contractual, and market conduct matters. We represent insurers in trial and appeals of first and third party bad faith actions in courts across the country. In addition, we advise clients and provide training in proper claims practices and compliance with statutory, regulatory, and common law requirements and best practices.
Our experience extends to a variety of claims, including allegations of: inadequate investigation; unreasonable failure to defend or indemnify; unfair or improper claims handling; and unfair settlement practices or failure to settle; and in various other allegations. Hinshaw lawyers are well-versed in defeating such claims and in limiting recovery of damages, including punitive damages and attorney fees. We represent insurers with respect to other extra-contractual claims, including claims involving loss control and risk management services; alleged conspiracy claims; alleged improper hiring or supervision of contractors; alleged breaches of fiduciary duties; alleged violations of insurance regulations; and alleged fraud and misrepresentation.
Hinshaw lawyers also represent insurers in the resolution of market conduct claims and class actions, including claims relating to premium pricing, alleged policyholder discrimination, claim adjustments and property valuations, and a variety of other matters.
Reinsurance & Retrocessional Dispute Resolution & Counseling
Hinshaw has one of the nation's most well-respected reinsurance practice groups representing foreign and domestic companies. Hinshaw lawyers have experience in a wide-range of issues and disputes confronting ceding companies, reinsurers and retrocessionaires including:
- Rescission, adverse selection, non-disclosure, misrepresentation, fraud, and duties, rights, and responsibilities in connection with underwriting
- Insolvency, rehabilitation, runoff, wind-up, and cut-through issues
- Audits, inspection, discovery, and access to records issues
- Complex allocation and billing issues
- Number of accidents, occurrences, loss occurrences, and aggregation issues
- Following form, follow-the-settlements, and follow-the-fortunes issues
- Custom and usage, course of performance, and contract interpretation issues
- Duties, rights, and responsibilities in connection with claims handling such as notice and rights of association
- Fronting and captive arrangements
- Authority and agency issues
- Umpire, arbitration, and forum issues
- Limits issues
- Extra-contractual liability
- Defense cost and declaratory judgment cost issues
- Letters of credit
- Commission and premium issues
- Retention warranties
- Regulatory requirements and restrictions
- Sole judge and honorable engagement issues
Our reinsurance experience includes representing clients in litigation, arbitration, and dispute resolution. We also provide advice and planning on insurance and reinsurance issues arising in the normal course of business and in connection with commutations, run-off operations, and acquisitions.
Corporate Transactional, Regulatory, Run-Off & Insolvency Insurance Services
Hinshaw lawyers have extensive experience in advising and assisting insurers on a wide range of corporate, regulatory, and other commercial and transaction activities, including:
- Conservation, liquidation and rehabilitation issues
- Corporate bylaw drafting and revisions
- Corporate operations, organization, reorganization and structure, including issues related to mutualization and demutualization
- Corporate governance
- Creation of domestic and offshore captives and third-party risk sharing entities
- Filing and obtaining approval of rates and forms
- Insurance company creation and domicile selection
- Mergers and acquisitions involving issues ranging from due diligence to tax implications
- Purchasing assets of insolvent insurance companies
- Federal and state regulatory compliance
- Risk transfer
Hinshaw lawyers regularly assist insurance industry clients in completing high-level business transactions such as strategic business sales and acquisitions, agency/broker relationships, licensing, and response to regulatory authorities. We have represented insurance companies and agencies, third party administrators, managing financial agents and claims specialist in these matters. Hinshaw lawyers have assisted clients in forming domestic captives to afford property, casualty and workers' compensation coverage for operations in all 50 states. We also advise clients regarding the economic risks and tax consequences associated with self-insurance and captive insurances.
We also have been involved in the creation of captive insurance companies, self-insured pools, risk retention groups, and other vehicles for risk transfer. We have assisted companies in creating and implementing insurance programs and in drafting insurance policies, endorsements, and exclusions.
Our lawyers regularly appear in a wide variety of regulatory matters before state insurance regulators nationwide, defending enforcement actions and other administrative proceedings involving a variety of issues, orders to show cause, agency appeals, notices of non-compliance, and rulemaking.
Hinshaw lawyers have considerable experience in insurance company conservation, rehabilitation, and liquidation proceedings, including: representing insurers before insurance regulators; preparing bids for assumption of business; negotiating and documenting commutations; and litigating reinsurance, claims and asset valuation disputes. Our insurance company insolvency litigation experience includes representing clients in state and federal courts, at both the trial and appellate levels.
We have represented numerous clients — both foreign and domestic — including secured and unsecured creditors of insolvent insurers and policyholder groups. Our attorneys provide advice and representation in connection with fraudulent conveyance and preferential transfer claims and allegations. We counsel insurers regarding required notices and disclosures to regulators and other interested persons. We also negotiate with insurance regulatory and have acted as the statutory receiver of insolvent insurers. We have extensive experience advising on domestic and foreign insurance and reinsurance company insolvencies, schemes of arrangement, and run-off operations, and have devised and executed numerous successful strategies in the context of legacy business.
Claims, Litigation, & Fees Management Services
Hinshaw counsels and represents insurers with respect to claims management, litigation management, and legal fees issues and disputes.
We assist insurers in analyzing the reasonableness and necessity of costs and fees incurred in complex litigation. Our lawyers have served as counsel and as experts at the claims stage, in trial and appellate courts, and at mediations and arbitrations. Common matters include analyzing fees and costs of independent counsel, Cumis counsel fee arbitrations, and allocating and apportioning fees and costs. We also assist insurers in implementing billing guidelines and cost controls in complex litigation.
- Lindsay Abbondandolo
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- Taylor Bowman
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- Dylan M. Helfand
- Pedro E. Hernandez
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- Jonathan D. Jay
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- Velvet Torres
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- Appellate Spotlight: Defense Verdict for Four Seasons Resort in Wrongful Death Case Upheld by Florida Court of AppealNovember 20, 2020Case Involved Potential Application of Rarely Used Eggshell Skull Jury Instruction
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50 State Survey: Workers' Compensation Law Exclusivity, Exceptions, Third Party Action Over Claims & COVID-19 Developments: Volume V of Hinshaw's On The Law series addresses the exclusive remedy provision of the Workers' Compensation laws of each state, exceptions to exclusivity, and circumstances in which a third party may assert an Action Over Claim. It also provides a summary of enacted and proposed COVID-19-related amendments to each state's Workers' Compensation law.
Insurance Coverage & Reinsurance Primer On Coronavirus (COVID-19) Claims: Volume IV of Hinshaw's On The Law series addresses the unprecedented challenges presented by the novel coronavirus, COVID-19. As the pandemic continues to spread, insurers are being inundated with COVID-19-related claims. To help insurers navigate these challenges, Hinshaw has prepared this primer which provides an overview of some of the lines of coverage that will likely be impacted.
Duty to Defend: A Fifty State Survey: This work—which is Volume III of Hinshaw's On The Law series—examines issues of significance to insurance claims professionals and lawyers making decisions about properly responding to complaints tendered for a defense under the laws of each of the fifty states. The survey is presented in question-and-answer format and addresses eleven key issues commonly presented in connection with the duty to defend.
50 State Primer On Medicaid Recovery Laws: Volume II of Hinshaw's On The Law series provides an overview of the Medicaid Recovery laws of the 50 states.
A Primer on Reinsurance Law & Principles: Volume I of Hinshaw's On The Law series provides an overview of bedrock reinsurance principles and highlights some of the issues presented in contemporary reinsurance disputes. It is designed to be a desk reference for insurance and reinsurance professionals.
Allocation of Losses in Complex Insurance Coverage Claims, 8th Edition addresses some of the most important and challenging issues confronting insurance and reinsurance practitioners and professionals today. This marks the nineteenth consecutive year that this authoritative work has been updated. It offers comprehensive treatment of many of the issues driving contemporary insurance claims and coverage litigation, as well as reinsurance cessions and arbitrations. This edition of the treatise is now available as an e-book in addition to the traditional hard copy book.
Five-volume work combines analyses of insurance compliance requirements, insurance coverage substantive law and practical guidance for the practice of all aspects of insurance law in California.
|The globalization of the world economy has added complexity to and impacted all stages of the insurance industry. Reinsurance Professional's Deskbook brings clarity to the historical concepts of reinsurance and provides a practical assessment and application of these concepts within the context of this current insurance market.|
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Join Hinshaw Insurance Law Radio host Scott Seaman, co-chair of Hinshaw's global Insurance Services Practice Group, and other prominent attorneys and members of the insurance and reinsurance industry for interesting analysis, discussions, and updates on insurance coverage, reinsurance, bad faith, defense, and litigation management issues, developments, and cases impacting practitioners, insurers, and reinsurers.
Recent Episodes Available on Demand
This episode was recorded at a joint seminar provided by Hinshaw and RPC. Panelists Scott Seaman and Pedro Hernandez of Hinshaw and Simon Laird, Head of Insurance, of RPC presented this general overview to leading London claims and underwriting professionals.
This episode was recorded at a joint seminar provided by Hinshaw and RPC. Scott Seaman and Pedro Hernandez of Hinshaw & Culbertson LLP and Simon Laird, Head of Insurance, of RPC presented to leading London claims and underwriting professionals. They address how the elements of the U.S. civil justice system influence the size of settlements, judgments, and defense costs and how the modern societal trends fuel social inflation. They also compare social inflation in the U.S. to social inflation in the U.K.
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Scott Seaman talks with Jeff Sistrunk, senior insurance reporter for Law360, about some of the most significant insurance decisions rendered in the first half of 2019. They also discussed some legislative developments in Florida and provided a preview into some cases to watch during the second half of the year.
Scott Seaman (pictured, right) is joined by Simon Laird (pictured, left), the Global Head of Insurance at the London, Singapore, and Hong-Kong based law firm of Reynolds Porter and Chamberlain (RPC). Simon and Scott talk about international claims challenges keeping claims executives up at night, along with key insurance developments and things to watch in the U.K., Europe, and Asia. The pair also discusses the recently published RPC "Annual Insurance Review," to which Hinshaw contributed a section on key 2018 developments and outlook for 2019 in the United States.
|Key Decisions from 2018 and Cases to Watch in 2019 |
Host Scott Seaman, a Chicago-based partner and co-chair of the firm's national Insurance Services Practice Group, talks with Jeff Sistrunk, senior insurance reporter for Law360, about some of the key insurance coverage decisions that took place in 2018, as well as cases to watch in 2019.
Sizzling Insurance Coverage Cases of 2018: Mid-Year Report
Key decisions of the first half of 2018 discussed include:
Scott and Jeff conclude by "reeling in" a number of Phishing coverage cases to watch, along with other cases to watch during the second half of 2018.
Jennifer Hammer, the Director of the Illinois Department of Insurance, discusses the Department's regulatory mission and current initiatives. Director Hammer discusses her goals and priorities as Director, along with issues and areas that she is tracking closely, including: autonomous vehicles and complex rating models; the Illinois omnibus bill; and mental health parity.
In this episode, Law360 senior insurance reporter Jeff Sistrunk returns to the program to discuss the top "Insurance Cases to Watch in 2018" with host Scott Seaman, co-chair of Hinshaw's Insurance Services Practice Group. There are a number of insurance cases attorneys will be watching in 2018.
Among legislation and regulations to watch in 2018:
We ring in 2018 by taking a look back at the past year in insurance coverage decisions. Jeff Sistrunk, senior insurance reporter for Law360, joins host Scott Seaman, co-chair of Hinshaw's Insurance Services Practice Group, to discuss his list of "The 5 Biggest Insurance Decisions of 2017."
In this episode, your host Scott Seaman, is joined by seasoned insurance regulatory lawyers Robert Hogeboom and Sam Sorich. Join Scott, Bob, and Sam as they discuss key contemporary insurance regulatory trends and issues, including:
Ringing in the New Year: In this episode of Hinshaw Insurance Law Radio, we ring in the new insurance coverage year. Jeff Sistrunk, senior insurance reporter for Law360, joins host Scott Seaman to discuss key insurance coverage decisions in 2016, as well as some cases to follow in 2017. There were several notable coverage decisions over the past year and there are several pending cases that present interesting issues. Mr. Sistrunk tells us how he went about selecting the top cases for his Law360 articles and discusses what makes these decisions important.
Scott Seaman and Edward Lenci discuss reinsurance arbitrations and arbitration clauses. They address choice of forum, contents of arbitration clauses and discuss how ceding companies, reinsurers, and reinsurance intermediaries may draft effective arbitration provisions to achieve the fairness and efficiency parties seek to achieve in submitting disputes to arbitration. They discuss these issues at a meeting of the Intermediaries and Reinsurance Underwriters Association (IRUA) in New York.