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Insurance is as complicated as ever. From ERISA to product offerings, insurance laws and regulations continue to evolve through legislation and judicial decisions. Rarely, if ever, does a week pass without an important legal development. And it will remain that way.

Dickinson Wright’s legal team handles virtually all matters related to insurance. Whether your organization faces an industry-specific regulation or a level of uncertainty caused by a recent decision, Dickinson Wright is at the ready. The Firm’s legal team understands the industry and the unique business challenges that come with it – which is what you need. If you have an issue, we have the resources.

Our clients include health insurers, stock and mutual insurers, title insurers, guaranty associations, governmental entities, malpractice insurers and captive insurers, and they participate in the life, health, disability, property, casualty, professional liability and alternative insurance fields, among others. Many of Dickinson Wright’s lawyers are listed in A.M. Best’s Directory of Recommend Insurance Attorneys.

Below are many broad areas within which insurance clients have trusted Dickinson Wright. And beneath that is a non-exhaustive list of specific insurance-related areas in which the Firm practices.

Agency/Broker Matters: Negotiate and draft agreements relative to agency/broker relationships (including fronting, reinsurance, and MGA program agreements).

Business Structures: Corporate and financial advice, including mergers, acquisitions and dispositions, and public and private placements of stock and debt instruments.

Insurance Products: Drafting and securing approvals for products, including policy forms and contracts effectuating affiliate transactions.

Malpractice/Professional Liability and Coverage: Standard of care counseling, disciplinary proceedings, and providing litigation representation for matters involving professional liability (including attorneys, accountants, directors and officers, and medical professionals).

Railroad Litigation: Defense of railroads in wrongful death and personal injury involving FELA claims; third party motor vehicle train crossing accidents; freight agreement disputes; commercial disputes; environmental damage claims; insurance coverage disputes; trackage rights agreement disputes; and property damage claims.

Receivership Proceedings: Represent state regulators, insurers, health care corporations, HMOs, creditors and suppliers in informal and formal receivership proceedings, counseling clients in the context of rehabilitations and liquidations.

Regulatory Compliance: Counsel clients relative to insurer formation, demutualization, securing initial or expanded certificates of authority, change of control proceedings, regulatory approvals for financing transactions, declaratory ruling requests, and market withdrawals.

Standard Compliance: Advise insurers with standard compliance that most companies face, such as employee benefits, ERISA matters and HIPAA issues.

Other (but non-exhaustive) areas of expertise:

• Affordable Care Act
• Bad Faith Claims
• Claims Management
• Construction
• Coverage Disputes
• Disability
• Employee Benefit Plans
• Environmental Liability
• Escrow Liability
• Fiduciary Liability
• Fraud Claims
• Homeowners Liability
• Life Insurance
• Motor Vehicle Accidents
• Premises Liability
• Product Liability
• Qualified Retirement Plans
• Regulatory Enforcement
• Title Insurance
• Welfare Benefit Plans
• Workers’ Compensation

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