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 the 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 expertise 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, Native American/Tribal and affinity programs.
Our experience 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.
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- Melissa A. Gillinov
- Nicole D. Gould
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- Richard B. Hopkins II
- Arlene Horal
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- Suzanne L. Jones
- Ronald L. Kammer
- Alan F. Kaufman
- Kent R. Keller
- Russell A. Klingaman
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- Leonor M. Lagomasino
- Brett B. Larsen
- Steven D. Lehner
- Edward K. Lenci
- David H. Levitt
- Robert G. Levy
- Burke G. Lopez
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- Kristina L. Marsh
- Terrence P. McAvoy
- John E. McPherson
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- Mellissa A. Schafer
- Andrew M. Schneiderman
- Thomas R. Schrimpf
- Pamela L. Schultz
- Jason R. Schulze
- Scott M. Seaman
- Daniel C. Shatz
- Kevin R. Sido
- Joseph G. Silver
- Ellen B. Silverman
- S. Stuart Soldate
- Samuel J. Sorich
- Stephen R. Swofford
- Edward T. Sylvester
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- Velvet Torres
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- Robert E. Wagner
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- Jenny H. Wang
- Bradley M. Zamczyk
- February 1, 2019
- January 24, 2019
- Analyzing State Case Law Interpretations of the Defense Cost Reimbursement Obligation in D&O PoliciesJanuary 15, 2019
- Thomson Reuters Publishes New Seventh Edition of Scott Seaman and Jason Schulze Insurance Law TreatiseDecember 21, 2018
- Scott Seaman Quoted in Law360 regarding Nevada High Court Adoption of Minority View that a Breaching Insurer's Liability is Not CappedDecember 19, 2018
- Larry Golub Discusses California Appellate Court Ruling that Expands Coverage for "Loss of Use" Under the Definition of "Property Damage" in a Commercial Liability PolicyNovember 6, 2018
- Hinshaw Recognized Nationally and Regionally in 2019 U.S. News – Best Lawyers "Best Law Firms" DirectoryNovember 1, 2018
- October 25, 2018
- Sam Sorich and Larry Golub Discuss California's Post-Wildfire Insurance Laws in Law360 Expert AnalysisOctober 10, 2018
- October 1, 2018
- August 9, 2018
- Forrest Booth Talks Russian Warships and Who Gets the Gold from Sunken Treasures on the Greg and Dan ShowAugust 3, 2018
- July 2, 2018
- Hinshaw Insurance Law Radio Interviews Jennifer Hammer, Director of the Illinois Department of InsuranceJune 21, 2018
- June 6, 2018
- May 4, 2018
- Hinshaw and Florida International University Successfully Conclude Second Annual Climate Change and Sea Level Rise ConferenceApril 24, 2018
- April 12, 2018
- March 30, 2018
- March 30, 2018
- March 23, 2018
- March 14, 2018
- Hinshaw Insurance Law Radio: Insurance Cases and Legislation to Watch in 2018 with Insurance Reporter Jeff SistrunkJanuary 17, 2018
- January 8, 2018
- Four Hinshaw Lawyers—Ronald Kammer, Kent Keller, Michael Marick and Scott Seaman—Listed Among the World's Foremost Insurance & Reinsurance Lawyers in 2018 International Who's WhoJanuary 3, 2018
- January 2, 2018
- December 19, 2017
- Hinshaw's Larry Golub and Scott Seaman Referenced in Law360 Story about 2017's Biggest Insurance DecisionsDecember 11, 2017
- Media Summary: Ed Lenci Speaks to American Banker, HousingWire and Forbes Regarding the Leadership Succession Controversy at CFPBDecember 1, 2017
- November 27, 2017
- November 9, 2017
- Hinshaw Achieves National and Regional Recognition in 2018 U.S. News - Best Lawyers® "Best Law Firms" DirectoryNovember 1, 2017
- October 26, 2017
- October 16, 2017
- September 29, 2017
- Law360 Asks Scott Seaman to Weigh-In on High Profile Insurance & Reinsurance Cases Pending before New York’s High CourtSeptember 20, 2017
- September 19, 2017
- Scott Seaman Provides Expert Analysis on American Law Institute's Latest Draft Restatement of the Law, Liability InsuranceSeptember 19, 2017
- September 15, 2017
- September 12, 2017
- August 21, 2017
- Hinshaw Attorney David Levitt Honored with Distinguished Member Award by Illinois Association of Defense Trial CounselJuly 6, 2017
- May 26, 2017
- May 26, 2017Kent Keller, Mike Marick, Royal Oaks, Scott Seaman, and Jim Kallianis Garner Individual Recognition As Leading Insurance Law Practitioners
- May 10, 2017
- April 27, 2017
- April 26, 2017
- April 25, 2017
- April 18, 2017
- March 22, 2017
- March 8, 2017
- March 6, 2017
- February 28, 2017
Duty to Defend: A Fifty State Survey—We are pleased to announce our new book, Duty To Defend: A Fifty-State Survey. This work — which is Volume III of the Hinshaw & Culbertson LLP 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. Download a copy of the guide (PDF).
A Primer on Reinsurance Law & Principles—Volume I of the Hinshaw & Culbertson LLP 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. Download a copy of the guide (PDF).
50 State Primer On Medicaid Recovery Laws—Volume II of the Hinshaw & Culbertson LLP On The Law Series—provides an overview of the Medicaid Recovery laws of the fifty states. Download a copy of the guide (PDF).
Allocation of Losses in Complex Insurance Coverage Claims, 6d addresses some of the most important and challenging issues confronting insurance and reinsurance practitioners and professionals today. This marks the sixteenth 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.|
|The Insurance and Reinsurance Services brochure describes the capabilities, knowledge and strategic commitment to serve insurers by Hinshaw's premier team of leading insurance lawyers.|
Below are related articles.
- "Opioid Insurance Litigation Is Mounting With Mixed Results," Law360, New York (November 21, 2017)
- "ALI Draft Restatement Misstates Key Insurance Law Issues," Law360, New York (September 18, 2017)
- Key Insurance Coverage Trends and Decisions in the United States" Who's Who Legal: Insurance & Reinsurance (May 2017)
- "Door Closing on "Unavailability of Insurance" Exception: Part 2," Law360, New York (January 10, 2017)
- "Door Closing on "Unavailability of Insurance" Exception: Part 1," Law360, New York (January 9, 2017)
- Scott Seaman Provides Analysis on California False Claims Coverage Action
- Scott Seaman Provides Analysis on Pennsylvania Supreme Court Bad Faith Decision
- New York's High Court Delivers a Blow to the Bellefonte Cap
- Royal Oakes Discuses Proposed Changes to National Flood Insurance Program
- Hogeboom Discusses ACIC v. Jones, a Groundbreaking California Supreme Court Decision Regarding Insurance Commissioner's Authority Under the Unfair Insurances Practices Act (UIPA)
- Ron Kammer Cited in Article Regarding Florida's Autonomous Vehicle Law
- Ed Lenci Weighs in on the Advantages of Using Alternative Arbitral Centers
Join host Scott Seaman, Co Chair of Hinshaw & Culbertson LLP's National 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.
Episodes Available On Demand
In this episode, Jeff Sistrunk, Law360 Senior Insurance Law Reporter, joins host Scott Seaman to discuss some of the hottest insurance coverage decisions of 2018 along with cases to watch in the second half of the year.
Key decisions of the first half of 2018 discussed include:
The Illinois Department of Insurance: The Face of Contemporary Regulatory Activities and Initiatives
In the latest episode of the Hinshaw Insurance Law Radio podcast, 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 national Insurance Services Practice Group.
Among legislation and regulations to watch in 2018:
In this episode, 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 national Insurance Services Practice Group, to discuss his list of "The 5 Biggest Insurance Decisions of 2017."
In this episode, your host Scott Seaman, National Co-Chair of the firm's Insurance Services Practice Group, 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.
In this episode of Hinshaw Insurance Law Radio Scott M. Seaman and Edward K. Lenci of Hinshaw and Culbertson LLP discuss reinsurance arbitrations and arbitration clauses. They address choice of forum, the 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. Join us on demand for this episode.
This bonus episode of Hinshaw Insurance Law Radio features the question and answer session following the presentation of Scott M. Seaman and Edward K. Lenci on reinsurance arbitrations and arbitration clauses recorded at a meeting of the Intermediaries and Reinsurance Underwriters Association (IRUA) in New York. On hand were several experienced reinsurance arbitrators and umpires and they raised some interesting issues and provided important insights to managing the arbitration process.