Stephen R. Harris



(215) 665-4121

(215) 372-2361

Stephen represents insurers and other corporate clients in a range of commercial disputes, including putative class actions, tortious interference, breach of contract, Uniform Commercial Code, and technology issues. He represents more insurers in structured settlement litigation throughout the nation than any other attorney in the country. He has also acted as counsel for insurers in appellate matters, including representation of trade associations as amicus curiae. He advises insurers on payment obligations and liability issues arising out of the administration of annuities and also represents insurance companies in cases involving the sale of life insurance policies in the secondary market.  

As counsel for insurers in declaratory judgment actions, Stephen has voided more than $60 million in coverage while his clients retained more than $2 million in premium. He has litigated numerous ERISA, long-term disability and environmental coverage cases and acted as counsel to insurers and brokers on significant coverage claims across the country. He also represents corporate clients, including insurers, banks and railroads, in commercial litigation disputes, including putative class actions, construction claims, tortious interference, breach of contract, UCC and technology issues. He has extensive experience in the representation of individuals and charitable organizations in various Orphans’ Court disputes, including will contests, and has also litigated and tried medical malpractice and product liability cases. Stephen recently obtained a judgment of $12.5 million for an insurer in the Eastern District of New York in a case involving breach of contract and alter ego issues.

As an active member of the National Structured Settlements Trade Association, Stephen meets regularly with trade association members, structured settlement brokers, and insurers to discuss the latest structured settlement legal issues. He currently serves as co-chair of the National Structured Settlements Trade Association Legal Committee.

Stephen earned his undergraduate degree from Occidental College and his law degree from the University of Southern California Gould School of Law.



Cozen O'Connor’s Life Insurance & Annuities Group Named One of the Top Lateral Hires of 2018

March 23, 2019

The Cozen O'Connor Life Insurance and Annuities Group was named by The Legal Intelligencer one of the Top Lateral Hires of 2018 after joining the firm in April 2018.

Cozen O’Connor Expands Commercial Litigation Practice in Philadelphia with Group from Drinker Biddle

April 26, 2018

Cozen O’Connor announced today that three nationally recognized commercial litigators — Michael J. Miller, Gregory J. Star, and Stephen R. Harris — along with 11 others have left Drinker Biddle to join Cozen O’Connor’s Commercial Litigation practice


Actually, Single Claimant Settlement Funds May Not Be Valid

April 07, 2020

Stephen Harris contributed an article to the American Bar Association discussing structured settlement and the different types of funds claimants will receive.

Pension Factoring Continues to Create Problems [Alert]

January 21, 2020

Mike Miller and Stephen Harris discuss the facts in Michele R. Lenderman v. Emil J. Wansa, Allianz Life Insurance Co. of North America and North American Co. for Life and Health Insurance and why pension factoring continues to create problems for institutions that manage and fund these pensions.

"Recycled Annuities" a Bad Alternative for Funding a Structured Settlement

December 18, 2018

Stephen Harris, a member in the firm's Life Insurance & Annuities Practice, authored, "Recycled Annuities" a Bad Alternative for Funding a Structured Settlement."

Third Circuit Reverses Summary Judgment In Favor of Secondary Market Buyers on Breach of Contract Claim [Alert]

December 04, 2018

Stephen Harris discusses the Third Circuit's decision in the Wall case and why recycled payment streams present serious risks to investors.

Texas Court Dismisses Factoring Company’s Broad Declaratory Judgment Claims Against Annuity Owner and Issuer [Structured Settlements Alert]

August 29, 2018

Stephen Harris discusses a Texas Court's ruling In the Matter of: A Transfer of Structured Settlement Payment Rights by Shantel D. Freelon, RSL Funding, LLC, Plaintiff v. J.G. Wentworth Originations, LLC, Defendant.

Industry Sectors


  • University of Southern California Law School, J.D.
  • Occidental College, B.A.
  • New York
  • Pennsylvania
  • U.S. Supreme Court
  • U.S. Court of Appeals for the Second Circuit
  • U.S. Court of Appeals for the Third Circuit
  • U.S. District Court -- Eastern District of Pennsylvania
  • U.S. District Court -- Eastern District of New York
  • U.S. District Court -- Southern District of New York
  • U.S. District Court -- Western District of New York

National Structured Settlements Trade Association

Co-Chair, National Structured Settlements Trade Association Legal Committee

Pennsylvania Society of Sons of the Revolution

Society of Colonial Wars