Laura B. Dowgin


New York

(212) 453-3775

(212) 509-9492

Laura will be speaking at an upcoming event:

Insurance Agents Best Practices in Light of COVID-19

Webinar 07/21/2020

July 21, 2020 - Webinar

Event Details 

Laura Dowgin focuses her practice on litigating and pursuing alternative dispute resolution of insurance coverage and commercial litigation disputes in both state and federal courts. She is an experienced coverage litigation attorney, handling declaratory judgment actions involving interpretation of commercial general liability and errors & omissions policies, as well as bad faith coverage disclaimers and additional insured disputes. Laura primarily represents insurers in complex coverage disputes arising out of general liability policies, professional liability policies, errors and omissions policies and directors and officers liability policies. Laura also regularly provides analyses and advice to insurers with respect to the availability of coverage for various types of claims, including mass toxic torts, allocation issues particular to long tail claims, construction defects, New York’s Labor Law, additional insured disputes, late notice disclaimers and bad faith issues.

Before joining Cozen O’Connor, Laura was an associate with a leading New York insurance law firm, focusing on commercial general liability insurance coverage. Prior to becoming a lawyer, Laura was a paralegal at a large international firm working on professional liability claims.

From 2016 to 2018, Laura was selected to the Super Lawyers New York Metro Rising Stars list. Laura earned her J.D. from Seton Hall University School of Law, graduating in the top 4 percent. She was also the editor-in-chief of the Seton Hall Legislative Journal and was elected to the Order of the Coif honor society. She received her B.A. in history from Colgate University.



17 Cozen O’Connor Attorneys Recognized as New York Super Lawyers and Rising Stars

September 27, 2019

Super Lawyers has named 17 Cozen O'Connor attorneys to its 2019 New York Super Lawyers and Rising Stars list.

18 Cozen O'Connor Attorneys Named New York Metro Super Lawyers and Rising Stars

September 21, 2018

Super Lawyers has named 17 Cozen O'Connor attorneys to its 2018 New York Super Lawyers and Rising Stars list. Twelve were recognized as Super Lawyers and five were named "Rising Stars."

Cozen O’Connor Elects 19 Associates to Membership

April 09, 2018

Cozen O’Connor has elected 19 associates to membership in the firm. The management committee appointed this qualified group of attorneys to membership based on demonstrated professionalism, leadership, dedication, and loyalty to Cozen O’Connor.

12 Cozen O’Connor Attorneys Named 2017 New York Metro Super Lawyers and Rising Stars

October 19, 2017

Super Lawyers has named 12 attorneys at Cozen O’Connor to its 2017 lists of top practitioners in the New York metro area. Six were recognized as Super Lawyers and six were named “Rising Stars,” a list that recognizes attorneys under the age of 40.

19 Cozen O'Connor Attorneys Recognized as New York Super Lawyers and Rising Stars

October 05, 2016

The 2016 New York Metro edition of Super Lawyers Magazine, published by Thomson Reuters, has named 21 Cozen O’Connor attorneys to its list of Super Lawyers and Rising Stars.


Paying for Both Sides of Litigation: Limitations on CGL Coverage [Casualty Coverage Chronicle Blog]

May 01, 2020

Commercial general liability policies often include additional insured endorsements that afford coverage to entities that are not named insureds, but who are covered under the policy for specific liability. For example, many general contractors in New York require their subcontractors to provide...

New York Bad Faith Update: Appellate Department Rejects Heightened Pleading Standard [Alert]

February 01, 2019

Laura Dowgin discusses the decision in D.K. Prop., Inc. v. Nat'l Union Fire Ins. Co. of Pittsburgh, PA and notes that while it resulted in a favorable outcome for the policyholder there has been no shift in New York bad faith law.

New York High Court: Policyholders Must Bear Their Share of Long-Tail Claims [Global Insurance Alert]

April 10, 2018

Laura B. Dowgin discusses the big win for insurers in the New York Court of Appeals as this decision instructs New York courts to look at the terms of the insurance contract at issue, and where no coverage was given, and no premium received, the risk of liability is placed on the policyholder.

Insurers Beware: New York Rules May Apply to Policies Neither Issued nor Delivered in State [Global Insurance Alert]

December 07, 2017

Julia Molander and Laura Dowgin discuss the implications of the Carlson decision for out-of-state insurers that insure corporations that do business in New York, where the corporation is not a resident of New York but has “a substantial business presence” in the state.

New Jersey Court: Continuous Trigger Ends When Nature of Damage Is Known [Global Insurance Alert]

October 26, 2017

Melissa Brill and Laura Dowgin discuss the decision in Air Master & Cooling, Inc. v. Selective Ins. Co. of Am., and its impact on progressive property damage claims in New Jersey.

New York High Court: No Coverage for Additional Insured Where Named Insured Is Not Partially Liable [Global Insurance Alert]

June 07, 2017

Melissa Brill and Laura Dowgin discuss a Court of Appeals decision that expressly rejects that there is no material difference between the phrases “arising out of” and “caused, in whole or in part by” in additional insured endorsements.

New York Court Confirms: Additional Insured Coverage Limited to Contractual Privity [Global Insurance Alert]

September 23, 2016

Melissa Brill and Laura Dowgin discuss a recent New York Supreme Court, Appellate Division, First Department decision that found an additional insured endorsement provided additional insured coverage only to the entity in direct contractual privity with the named insured.

Consequential Damage Caused by Subcontractor’s Faulty Work is Covered under Developer’s CGL Policy [Global Insurance Alert]

August 09, 2016

On August 4, 2016, the New Jersey Supreme Court joined a long list of states’ high courts when it affirmed a ruling that consequential damages resulting from a subcontractor’s faulty work constituted “property damage” caused by an “occurrence” under the property developer/general contractor’s commercial general liability policies.

New York’s Highest Court Creates Exception to Pro Rata Allocation [Global Insurance Alert]

May 09, 2016

Melissa F. Brill and Laura B. Dowgin discuss the May 3, 2016, decision by the New York Court of Appeals that answered two certified questions posed by the Delaware Supreme Court regarding the appropriate allocation method for long-tail claims among successive excess carriers.

Eleventh Circuit Holds No Duty to Defend Directors Serving in Mixed Capacities [Global Insurance Alert]

July 02, 2015

Looking to the fact allegations in the complaint against the insureds, the court found that but for the individual actions as trustees there would be no claim against any insured entity.

Events & Seminars

Upcoming Events

Insurance Agents Best Practices in Light of COVID-19

July 21, 2020 - Webinar

July 21, 2020 - Webinar

Past Events

2017 Professional Liability Seminar

October 12, 2017 - New York, NY

2015 Professional Liability Seminar

October 29, 2015 - New York, NY


  • Seton Hall University, J.D., magna cum laude, 2011
  • Colgate University, B.A., 2006

Awards & Honors

Super Lawyers: New York Metro "Rising Star," 2016-2019

  • New Jersey
  • New York
  • U.S. District Court -- New Jersey
  • U.S. District Court -- Southern District of New York
  • U.S. District Court -- Eastern District of New York
  • U.S. District Court -- Western District of New York