Teri Mae Rutledge


Teri Mae has represented third-party liability and property insurers in declaratory relief and equitable contribution lawsuits in state and federal courts throughout the 9th Circuit. She has advised insurers about electronic discovery requirements and claims practices under California and federal law. She was a judicial extern for Judge Marilyn Hall Patel of the U.S. District Court, Northern District, California.



When Negligence Is Not an Accident: No “Occurrence” for Intentional Land Clearing [Casualty Coverage Chronicle Blog]

June 03, 2022

A new California Court of Appeal decision, Ghukasian v. Aegis Sec. Ins. Co., 78 Cal.App.5th 270 (2022), see our Alert here, affirms that a mistaken belief about the right to clear land does not transform an insured’s intentional acts into an “occurrence.” This is despite some policyholders’...

Intentional Act Without Intent to Harm May Not Be an Occurrence [Alert]

May 27, 2022

A California appellate court recently ruled that an intentional act may not be an "occurrence" even when there is no intent to cause harm.

Colorado: No Bad Faith Claim Against Claims Adjuster [Alert]

March 23, 2022

Teri Mae Rutledge discusses the Colorado Supreme Court's decision in Skillet v. Allstate.

Kansas: Divided Court Strikes Noneconomic Damages Cap [Alert]

June 20, 2019

Teri Mae Rutledge discusses how Hilburn v. Enerpipe affects insurers in Kansas who now must underwrite insurance policies that consider noneconomic damages unlimited in personal injury cases.

Ohio Supreme Court: Contractor Not Covered for Subcontractor’s Faulty Work Due to Lack of Occurrence [Global Insurance Alert]

October 11, 2018

Sam Stalker and Teri Mae Rutledge discuss an Ohio Supreme Court ruling that deviates from the recent trend, holding that the “nuanced” interpretation of the policies in those other decisions did not supersede the plain requirement for coverage of property damage caused by an occurrence.

California Holds Negligent Hiring, Retention, and Supervision Can State a Covered “Occurrence”

June 05, 2018

Teri Mae Rutledge discusses the California Supreme Court's decision in Liberty Surplus Insurance Corp. v. Ledesma & Meyer Construction Co., Inc.


  • University of California, Davis, J.D., 2008
  • Miami University–Oxford, B. Phil., with honors, 1994
  • California