Experienced on all levels of the insurance industry
Regulatory
Saul Ewing’s Insurance Practice:
Wide Range of Legal and Regulatory Challenges Across the U.S.
Deep Insurance Industry Experience on a
Insurance Coverage
Litigation
InsurTech
Corporate Transactions
& Governance
Additional Areas
Advising on the gamut of regulatory issues related to life, health, long-term care, property/casualty, title, mortgage, and financial guaranty insurance involving:
Understanding, navigating and complying with the insurance regulatory requirements of each U.S. jurisdiction
Organization and licensing of insurance companies, insurance producers, reinsurance intermediaries, third-party administrators, and independent insurance adjusters
Drafting of insurance policies, annuity contracts, reinsurance agreements, and other complex contracts
Representation of insurance companies and insurance intermediaries in regulatory matters initiated by state insurance regulatory agencies
Sales, mergers, and acquisitions of insurance and reinsurance companies
Holding company transactions compliance
Reinsurance and assumption transactions
Financial condition examinations, market conduct examinations and regulatory investigations before state insurance regulatory agencies
Surplus lines (non-admitted) market compliance
Insurance company investment compliance
•
•
•
•
•
•
•
•
•
•
Title insurance licensing and controlled business
Surety insurance matters
Navigating non-insurance products, including service contracts and warranties
InsurTech matters for start-ups and insurance companies adopting new technologies, including navigating antiquated insurance statutes and regulations
Representing clients before insurance regulatory agencies in connection with novel insurance issues, as well as adversarial matters
50-state surveys on insurance regulatory matters
•
•
•
•
•
•
Property & Casualty
Life and Disability
Cyber, First-Party and Third-Party Liability
Directors & Officers
Environmental
Kidnap & Ransom
Managed Care, including Preferred Provider Liability
Professional Liability (Accountants, Architects and Engineers, Health Care Providers, and Lawyers)
Technology Errors & Omissions
•
•
•
•
•
•
•
•
•
Representing insurers in connection with issues and claims – from opinions to litigation – under a wide variety of lines of insurance, such as:
Insurance coverage
Bad faith actions
Class actions
Extra-contractual coverage
Commercial litigation
Disputes between insurance companies
Reinsurance arbitrations
Administrative actions against regulators
ERISA
Insolvency proceedings
•
•
•
•
•
•
•
•
•
•
Representing insurers in state and federal courts at the trial and appellate levels and before regulatory agencies, mediators and arbitration panels nationwide in connection with:
Regulatory and compliance – multi-state compliance reviews to pinpoint any variances in state laws and compliance related to all phases of the insurance policy lifecycle, from solicitation through claims payments, and including paying compensation to non-licensees
Transactions – licensing, partnership and vendor contracts; mergers and acquisitions; and joint ventures
•
•
Advising InsurTech start-ups and new and established insurance companies as they adopt new technologies on:
Mergers, acquisitions and joint ventures
Corporate restructuring
Securities and capital raises
Corporate governance, including CGAD and ORSA
Debt financing as lenders or debtors
•
•
•
•
•
Advising on the following insurance company corporate matters:
Our Insurance team works closely with attorneys across our firm in a multitude of areas
Regulatory
Insurance Coverage
Litigation
InsurTech
Corporate Transactions
& Governance
Additional Areas
Title insurance licensing and controlled business
Surety insurance matters
Navigating non-insurance products, including service contracts and warranties
InsurTech matters for start-ups and insurance companies adopting new technologies, including navigating antiquated insurance statutes and regulations
Representing clients before insurance regulatory agencies in connection with novel insurance issues, as well as adversarial matters
50-state surveys on insurance regulatory matters
•
•
•
•
•
•
Understanding, navigating and complying with the insurance regulatory requirements of each U.S. jurisdiction
Organization and licensing of insurance companies, insurance producers, reinsurance intermediaries, third-party administrators, and independent insurance adjusters
Drafting of insurance policies, annuity contracts, reinsurance agreements, and other complex contracts
Representation of insurance companies and insurance intermediaries in regulatory matters initiated by state insurance regulatory agencies
Sales, mergers, and acquisitions of insurance and reinsurance companies
Holding company transactions compliance
Reinsurance and assumption transactions
Financial condition examinations, market conduct examinations and regulatory investigations before state insurance regulatory agencies
Surplus lines (non-admitted) market compliance
Insurance company investment compliance
•
•
•
•
•
•
•
•
•
•
Advising on the gamut of regulatory issues related to life, health, long-term care, property/casualty, title, mortgage, and financial guaranty insurance involving:
Regulatory
Trusted counsel to key insurance industry participants
HOVER OVER ICONS
Insurance companies
of all sizes
Insurance agents
Insurance brokers
Reinsurance companies
Captive insurance arrangements
Adept at tackling complex issues
Among a host of complexities that we regularly help insurers address, below is a snapshot of a few key issues:
Class Actions
Cyber Insurance Coverage
50-State Surveys
PFAS Liability
Class Actions
The class action plaintiff’s bar has targeted the insurance industry with a wave of lawsuits challenging a variety of claims handling practices, insurers’ reliance on big data and third-parties to underwrite policies and streamline claims, and premium and policy lapse practices. Our lawyers are highly experienced at:
Assessing insurers’ exposure in class cases at an early stage
Defeating class certification
Minimizing the impact of class discovery on business
Integrating merits and class strategies
Designing creative resolutions of cases where a class has been certified
•
•
•
•
•
Class Actions
Product development and policy drafting
Claims handling
Coverage advice and disputes
Insurance regulation
•
•
•
•
Cyber Insurance Coverage
As cyber and privacy risks evolve and expand, so do the products that insurance companies offer to address these exposures. We represent insurance industry entities on the development and application of cyber insurance products, including in the following areas:
Insurance Industry Regulatory/ Administrative Actions
Our team represents insurers in administrative actions before state regulatory agencies that challenge the validity and application of regulations in both pre- and post-enforcement circumstances on a variety of issues, such as:
Applying attained age-rate caps to limit rate increases on in-force long-term care insurance policies
Representing clients in connection with data calls on credit-based insurance underwriting and the use of third-party vendors to resolve medical bill disputes
•
•
Insurance Industry Regulatory/Administrative Actions
50-State Surveys
Claims handling
Limitations and repose
Damages caps
Limits of liability
Rebating and related exceptions
Compensating non-licensees for referrals
The extraterritorial application of state insurance laws and regulations
•
•
•
•
•
•
•
As insurers introduce new products and new methods of doing business (and seek to comply with an ever-changing regulatory landscape), they must analyze statutes and regulations (as well as Bulletins, Circular Letters and Opinions) that apply in each state where they operate to ensure compliance. Our Insurance attorneys prepare 50-state surveys for our clients across a wide variety of topics, such as:
PFAS Liability
Examine and update PFAS liability coverage language in their policies
Represent them in connection with their PFAS-related claims
•
•
Regulatory scrutiny of polyfluoroalkyl substances (PFAS) has significantly increased recently as have class actions and other lawsuits alleging PFAS harms. Our team works with insurers to:
Cyber Insurance Coverage
Insurance Industry Regulatory/Administrative Actions
50-State Surveys
PFAS Liability
Mapping our experience across the United States
Client spotlight
HOVER OVER COMPANIES
Contracts and agreements
Cybersecurity and privacy
Insurance regulatory matters
Labor and employment
•
•
•
•
Breach of contract claims litigation
Class action litigation
Extracontractual litigation
Insurance coverage
Insurance regulatory matters
•
•
•
•
•
Administrative appeals to state departments of insurance
Cybersecurity and privacy
HIPAA privacy compliance
Insurance regulatory matters
Litigation
•
•
•
•
•
Regulatory
Litigation
Corporate Transactions & Governance
Coverage & Monitoring
Cyber Insurance
Sarah Lockwood Church
Labor & Employment
Laurie Kamaiko
Clarence Lee
Kyra Smerkanich
Cyber Insurance
Matthew Antonelli
Laurie Kamaiko
Clarence Lee
Ian McLin
Thomas Schaufelberger
Kyra Smerkanich
Coverage & Monitoring
Paige Berry
Dennis Brennan
Frederic Garsson
James Gkonos
Laura Katz
Candice Kline
William Latza
Patrick Oakes
Kara Pike
Frances Roggenbaum
Corporate Transactions & Governance
LItigation
Litigation
Regulatory
Regulatory
Meet our team
Click here
for our full team by
practice areas
Corporate Transactions & Governance
Coverage & Monitoring
Cyber Insurance
Labor & Employment
Receive our legal insights directly in your inbox
SUBSCRIBE HERE >
Engage with us
Explore more about our firm HERE
Copyright © 2024 Saul Ewing LLP, A Delaware Limited Liability Partnership. All Rights Reserved. | Under the rules of certain jurisdictions, this communication may constitute "Attorney Advertising."
Contact any of our team members in the above section with questions.
Click on each level for more
—such as labor and employment, cybersecurity and privacy, white collar and government enforcement, employee benefits and executive compensation, anti-money laundering, and tax—to provide comprehensive legal advice.
We have advised on dozens of matters across a variety of areas for these select insurance clients:
Additional Areas
Corporate Transactions
& Governance
InsurTech
Litigation
Insurance Coverage
Regulatory
—such as labor and employment, cybersecurity and privacy, white collar and government enforcement, employee benefits and executive compensation, anti-money laundering, and tax—to provide comprehensive legal advice.
•
•
Our Insurance team works closely with attorneys across our firm in a multitude of areas
Additional Areas
Mergers, acquisitions and joint ventures
Corporate restructuring
Securities and capital raises
Corporate governance, including CGAD and ORSA
Debt financing as lenders or debtors
•
•
•
•
•
Advising on the following insurance company corporate matters:
Corporate Transactions
& Governance
Regulatory and compliance – multi-state compliance reviews to pinpoint any variances in state laws and compliance related to all phases of the insurance policy lifecycle, from solicitation through claims payments, and including paying compensation to non-licensees
Transactions – licensing, partnership and vendor contracts; mergers and acquisitions; and joint ventures
•
•
Advising InsurTech start-ups and new and established insurance companies as they adopt new technologies on:
InsurTech
Insurance coverage
Bad faith actions
Class actions
Extra-contractual coverage
Commercial litigation
Disputes between insurance companies
Reinsurance arbitrations
Administrative actions against regulators
ERISA
Insolvency proceedings
•
•
•
•
•
•
•
•
•
•
Representing insurers in state and federal courts at the trial and appellate levels and before regulatory agencies, mediators and arbitration panels nationwide in connection with:
Litigation
Property & Casualty
Life and Disability
Cyber, First-Party and Third-Party Liability
Directors & Officers
Environmental
Kidnap & Ransom
Managed Care, including Preferred Provider Liability
Professional Liability (Accountants, Architects and Engineers, Health Care Providers, and Lawyers)
Technology Errors & Omissions
•
•
•
•
•
•
•
•
•
Representing insurers in connection with issues and claims – from opinions to litigation – under a wide variety of lines of insurance, such as:
Insurance Coverage
Navigating non-insurance products, including service contracts and warranties
InsurTech matters for start-ups and insurance companies adopting new technologies, including navigating antiquated insurance statutes and regulations
Representing clients before insurance regulatory agencies in connection with novel insurance issues, as well as adversarial matters
•
•
•
Financial condition examinations, market conduct examinations and regulatory investigations before state insurance regulatory agencies
Surplus lines (non-admitted) market compliance
Insurance company investment compliance
Title insurance licensing and controlled business
Surety insurance matters
•
•
•
•
•
Representation of insurance companies and insurance intermediaries in regulatory matters initiated by state insurance regulatory agencies
Sales, mergers, and acquisitions of insurance and reinsurance companies
Holding company transactions compliance
Reinsurance and assumption transactions
•
•
•
•
Understanding, navigating and complying with the insurance regulatory requirements of each U.S. jurisdiction
Organization and licensing of insurance companies, insurance producers, reinsurance intermediaries, third-party administrators, and independent insurance adjusters
Drafting of insurance policies, annuity contracts, reinsurance agreements, and other complex contracts
•
•
•
Advising on the gamut of regulatory issues related to life, health, long-term care, property/casualty, title, mortgage, and financial guaranty insurance involving:
Regulatory
Click on each level for more
Experienced on all levels of the insurance industry
A legal team for all types of employers — both domestically and internationally
Nonprofit organizations
Closely held family businesses
Small businesses with less than 100 employees
Middle-market companies
Publically traded companies with tens of thousands of employeees
Assessing insurers’ exposure in class cases at an early stage
Defeating class certification
Minimizing the impact of class discovery on business
Integrating merits and class strategies
Designing creative resolutions of cases where a class has been certified
•
•
•
•
•
The class action plaintiff’s bar has targeted the insurance industry with a wave of lawsuits challenging a variety of claims handling practices, insurers’ reliance on big data and third-parties to underwrite policies and streamline claims, and premium and policy lapse practices. Our lawyers are highly experienced at:
Class Actions
Product development and policy drafting
Claims handling
Coverage advice and disputes
Insurance regulation
•
•
•
•
As cyber and privacy risks evolve and expand, so do the products that insurance companies offer to address these exposures. We represent insurance industry entities on the development and application of cyber insurance products, including in the following areas:
Cyber Insurance Coverage
Applying attained age-rate caps to limit rate increases on in-force long-term care insurance policies
Representing clients in connection with data calls on credit-based insurance underwriting and the use of third-party vendors to resolve medical bill disputes
•
•
Our team represents insurers in administrative actions before state regulatory agencies that challenge the validity and application of regulations in both pre- and post-enforcement circumstances on a variety of issues, such as:
Insurance Industry Regulatory/ Administrative Actions
Product development and policy drafting
Claims handling
Coverage advice and disputes
Insurance regulation
•
•
•
•
As cyber and privacy risks evolve and expand, so do the products that insurance companies offer to address these exposures. We represent insurance industry entities on the development and application of cyber insurance products, including in the following areas:
Cyber Insurance Coverage
Contracts and agreements
Cybersecurity and privacy
Immigration
Insurance regulatory matters
Labor and employment
•
•
•
•
•
Contracts and agreements
Cybersecurity and privacy
Immigration
Insurance regulatory matters
Labor and employment
•
•
•
•
•
District of Columbia
Florida
Illinois
Maryland
Massachusetts
Minnesota
Steven Kerbaugh, Counsel
Lauren Schoeberl, Associate
Minnesota
Minnesota
Massachusetts
Massachusetts
Maryland
Maryland
Alexander Reich, Associate
Jason Tremblay, Partner
Illinois
Illinois
Florida
Florida
District of Columbia
District of Columbia
Meet our team
Explore more about our firm HERE
Copyright © 2022 Saul Ewing Arnstein & Lehr LLP,
A Delaware Limited Liability Partnership. All Rights Reserved. | Under the rules of certain jurisdictions, this communication may constitute "Attorney Advertising."
Paige Berry
Nicole Chammas
Frederic Garsson
James Gkonos
Laura Katz
Serhiy “Serge” Moshak
Patrick Oakes
Kara Pike
Frances Roggenbaum
Matthew Antonelli
Steven Appelbaum
John Basinger
Jennifer Beidel
Andrew Bollinger
Gregory Boucher
Timothy Callahan
Nicole Chammas
Nicholas Collins
Stephanie Denker
Amanda Dennis
Tricia Duffy
William “Toby” Eveland
Geoffrey Gamble
Matthew Haar
Paul Hummer
Michael Jacobson
Michael Joyce
Amy Kline
Clarence Lee
Robin Leone
Christie McGuinness
Ian McLin
James Morsch
Patrick Nugent
Sean O'Neill
Amy Piccola
Sunu Pillai
Jordan Rosenfeld
Thomas Schaufelberger
Shane Simon
Kyra Smerkanich
Caitlin Strauss
David Wayne
Amanda Dennis
Tricia Duffy
William “Toby” Eveland
Geoffrey Gamble
Matthew Haar
Paul Hummer
Michael Jacobson
Michael Joyce
Amy Kline
Amy Kline
Clarence Lee
Robin Leone
Christie McGuinness
Ian McLin
James Morsch
Patrick Nugent
Sean O'Neill
Amy Piccola
Sunu Pillai
Jordan Rosenfeld
Thomas Schaufelberger
Shane Simon
Kyra Smerkanich
Caitlin Strauss
David Wayne
Matthew Antonelli
Nicole Chammas
Nicholas Collins
Amanda Dennis
Laurie Kamaiko
Clarence Lee
Ian McLin
Thomas Schaufelberger
Kyra Smerkanich
Amanda Dennis
Laurie Kamaiko
Clarence Lee
Kyra Smerkanich
1/4
2/4
3/4
4/4
Labor & Employment
Paige Berry
Frederic Garsson
James Gkonos
Laura Katz
William Latza
Patrick Oakes
Kara Pike
Frances Roggenbaum
saul.com
saul.com
Matthew Antonelli
Steven Appelbaum
John Basinger
Andrew Bollinger
Gregory Boucher
Timothy Callahan
Stephanie Denker
Tricia Duffy
William “Toby” Eveland
Geoffrey Gamble
Matthew Haar
Michael Jacobson
Michael Joyce
Amy Kline
Clarence Lee
Robin Leone
Christie McGuinness
Ian McLin
James Morsch
Patrick Nugent
Sean O'Neill
Amy Piccola
Sunu Pillai
Jordan Rosenfeld
Thomas Schaufelberger
Shane Simon
Kyra Smerkanich
Caitlin Strauss