Richard M. Mackowsky focuses his practice on complex insurance litigation and first-party property insurance coverage analysis, particularly business interruption insurance. He has negotiated, litigated, mediated, and arbitrated on behalf of clients throughout the United States, as well as in Canada, England and Bermuda.
Richard’s litigation experience includes participation in many major insurance-related events of recent years, including Hurricanes Katrina and Ike, the September 11, 2001 terrorist attack, the 2003 Northeast Blackout, as well as Y2K sue and labor claims. He currently advises major insurers on issues arising from Hurricane Sandy. Richard consults with insurers on complex insurance claims that include both covered and uncovered elements, and those involving significant disputes over the measure and calculation of loss with the goal of resolving claims without litigation. He analyzes and provides opinions to clients on insurance coverage issues involving, among others, business interruption, contingent business interruption, priority of coverage, trigger of coverage, fortuitous loss, measure of loss, and flood and windstorm deductibles.
Richard has co-authored a series of white papers on Hurricane Sandy, and the Global Insurance Group's white paper "The Earthquake and Tsunami in Japan: A Factual Overview and Preliminary First-Party Analysis." He has also co-written the Global Insurance Group's white paper "The Deepwater Horizon Catastrophe: A Factual Overview and Preliminary First-Party Analysis," as well as the white paper "Hurricane Katrina: A Preliminary First Party and Factual Analysis." He is a frequent speaker for insurance clients and organizations, and a regular contributor to insurance and legal periodicals.
Richard received his Bachelor of Arts from Harvard University in 1974 and earned his law degree, with honors, from Rutgers University School of Law in 1980, where he served as research editor for the Rutgers-Camden Law Journal. Following graduation from law school, Richard was a law clerk for the Supreme Court of New Jersey, where he also served as counsel to the Supreme Court Committee on Bar Admission Rules. Richard was admitted to practice in New Jersey and Pennsylvania in 1980 and 1981, respectively.