Cozen O’Connor: Sutton, Terri A.

Terri A. Sutton, CPCU, AU



(206) 224-1272


Recent Publication:

General Liability Insurance and the Opioid Epidemic [Insights]

In response to the rising costs associated with the opioid epidemic, Terri Sutton discusses the varied success of coverage defenses that have been litigated as well as what we can expect to see in the months and years to come.

Terri Sutton has a wide range of experience advising clients on insurance coverage issues related to claims under general liability, professional liability, errors and omissions, and excess/umbrella policies. She advises clients and litigates complex coverage issues, including those involving mass torts, class actions, health care professional and general liability, employment practices, directors and officers, and bad faith. Terri has drafted several general liability and professional liability coverage forms for insurers and risk retention groups.

Prior to joining the firm, Terri worked for Chubb Group of Insurance Companies as a commercial lines underwriter. She has worked with large and small companies in analyzing products liability exposures, evaluating quality control and supplier agreements, and formulating insurance programs to meet the unique needs of insureds.

In 2016, Terri was on secondment with the King County Prosecuting Attorney's Office. Terri acted as a special deputy prosecutor in the felony trial unit, responsible for all phases of trials.

Terri earned her law degree, summa cum laude from Seattle University School of Law, where she was an associate editor of the law review. Terri received her Bachelor of Arts in economics and management from Beloit College, in Beloit, Wis.

Terri earned her Chartered Property Casualty Underwriter (CPCU) designation in 2005 and was awarded the Loman Education Foundation Academic Excellence Award as a top scoring designee. She also served on the Certified Insurance Counselor (CIC) casualty curriculum advisory committee for the National Alliance for Insurance Education and Research.

Terri is the vice president of the Pacific Northwest Chapter of the CPCU Society, a member of the steering committee for the CPCU Society's Coverage, Litigators, Educators, and Witnesses (CLEW) interest group, and a member of PLUS (Professional Liability Underwriting Society).

Terri is also on the board of directors of Provail, an organization serving children and adults with disabilities.



General Liability Insurance and the Opioid Epidemic [Insights]

February 14, 2019

In response to the rising costs associated with the opioid epidemic, Terri Sutton discusses the varied success of coverage defenses that have been litigated as well as what we can expect to see in the months and years to come.

Washington: Product Manufacturers Must Warn Hospitals; May Be Strictly Liable for Failure to Warn [Global Insurance Alert]

March 08, 2017

Terri Sutton discusses manufacturers of medical devices in Washington's new duty to warn hospitals that purchase their devices, and that product manufacturers of “unavoidably unsafe products” may face strict liability for failure to warn claims.

Oregon Supreme Court Rules Insurer May Owe Attorney Fees Even After Settlement [Global Insurance Alert]

March 01, 2017

Terri Sutton discusses the Oregon Supreme Court's ruling in Long v. Farmers Insurance Company of Oregon that “when an insured files an action against an insurer to recover sums owing on an insurance policy and the insurer subsequently pays the insured more than the amount of any tender made within six months from the insured’s proof of loss, the insured obtains a ‘recovery’ that entitles the insured to an award of reasonable attorney fees.”

Washington Supreme Court Expands Physicians’ Duty to Third-Parties [Global Insurance Alert]

January 18, 2017

Terri Sutton discusses the Washington Supreme Court decision in Volk v. DeMeerleer, which it expanded the duty of physicians to protect third-parties who might be victims of violence.

Events & Seminars

Past Events

2018 CPCU Society Annual Meeting

October 15, 2018 - San Diego, CA

2017 Seattle Insurance Litigation Seminar

September 28, 2017 - Seattle, WA

2015 Casualty & Specialty Products Seminar

November 19, 2015 - New York, NY

2014 Seattle Insurance Seminar

September 25, 2014 - Seattle, WA

Industry Sectors


  • Seattle University School of Law, J.D., summa cum laude, 2011
  • Beloit College, B.A., 1999

Awards & Honors

2018 Outstanding Litigation Associate Award by the Washington Defense Trial Lawyers Association

  • Washington
  • Oregon
  • U.S. District Court -- Eastern District of Washington
  • U.S. District Court -- Western District of Washington