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Cozen O'Connor's Aviation (Litigation/Regulation), Construction, L&E, M&A (Midmarket), Shipping (Finance and Litigation/Regulation) practices were ranked by the Legal 500.
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Extracontractual claims pose a unique set of risks to insurers, implicating their business operations and opening potentially vast exposures. Today, it is not enough to have good coverage counsel. Insurers need counsel with deep and specific bad faith and extracontractual experience. Cozen O’Connor’s team of dedicated extracontractual/bad faith attorneys have been practicing in this field for decades.
Our bad faith attorneys defend insurance clients in litigation alleging first- or third-party extracontractual claims related to all lines of business, including property, general liability, professional liability and D&O, life/health/disability and automobile policies. We handle litigation arising from claims handling, underwriting, excess verdicts, uninsured or under-insured motorist coverage, consent judgments, default judgments and garnishment actions. Our attorneys have successfully defeated individual and class claims seeking actual and consequential damages, statutory penalties, punitive damages, attorneys’ fees and policy benefits.
Because Cozen O’Connor is a global leader in the area of insurance coverage and claims litigation, we are often able to defeat breach of contract assertions at the outset, thereby mitigating any extracontractual claims. When appropriate, our attorneys are able to negotiate quick and quiet resolutions to bad faith claims. Because they involve questions of honor, duty and essential fairness, these cases are qualitatively different from other coverage disputes. Our lawyers are able to create practical frameworks for discussion, incentivize reasonable conduct and mutuality, and find solutions that limit insurer exposure.
When bad faith and extracontractual disputes must be tried, our attorneys have the proven ability to go to court—and win. We regularly and successfully defend major insurers in multi-million dollar bad faith matters in state, federal and appellate courts throughout the United States. Success is not defined simply by getting a defense verdict, but by winning in a way that protects clients’ bottom lines and brands.
SERVICE AREAS
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Successfully defend bad faith litigation from inception through trial
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Design strategies to defeat institutional bad faith cases
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Respond to policy limit and time limit demands and analyze potential exposures
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Assist in the withdrawal of a defense while avoiding bad faith, waiver and estoppel claims
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Respond to unreasonable discovery requests and consent judgments
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Bifurcate bad faith claims for discovery and trial, when necessary
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Avoid or limit impact of policyholder’s assignment of rights
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Negotiate settlements in bad faith cases with multiple insureds/claimants, multiple insurers, limited insurance; avoid or defend against collusive settlements
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Monitor underlying litigation and assess impact on coverage issues and potential exposure
May 02, 2025
Tiffany Bustamante and Nicole Connors contributed the Expert Analysis “Navigating Florida's Bad Faith Reforms After Appellate Ruling'” for Law360.
April 18, 2025
Introduction
The 2023 amendments to Florida Statute § 624.155, enacted through HB 837, significantly reshaped the landscape of bad faith litigation in Florida. Among the most consequential changes were the additions of two key provisions—§§ 624.1551 and 624.155(6)—both aimed at providing...
March 20, 2025
On July 1, 2024, the widespread changes to Louisiana insurance law took effect after Governor Jeff Landry signed Senate Bill No. 323 into law as “Act No. 3” (hereafter, the “Act”). With the first anniversary of the Act rapidly approaching, this blog will summarize the old and the new with...
March 04, 2025
Cozen O'Connor’s Global Insurance Department's Claims Notes provides quick, to-the-point summaries of national insurance developments, including notable insurance decisions, legislation, trends, and regulatory guidance.
January 16, 2025
In December 2024, the Louisiana Second Circuit Court of Appeals rendered a significant opinion in Troung v. Sanders, et al., addressing the contentious issue of “betterment deductions” in third- party property damage claims.[1] Louisiana law allows for a betterment deduction, or credit, to the...
November 22, 2024
In a recent decision, First United Pentecostal Church v. Church Mutual Insurance Company, the United States Court of Appeals for the Fifth Circuit reaffirmed the principle that an insured must provide adequate evidence that the insurer’s conduct was “arbitrary, capricious, and without probable...
November 20, 2024
Tiffany Bustamante, co-chair of the firm’s Bad Faith group, wrote the expert analysis column “Hurricane Coverage Ruling Clarifies Appraisal Scope In Fla.” for Law360.
November 11, 2024
John Ewell reviews recent cases and regulations impacting the insurance industry.
October 23, 2024
A prompt response is critical when disaster strikes, but as the Fifth Circuit recently ruled, delays may be excusable in certain circumstances. In First United Pentecostal Church v. Church Mut. Ins. Co., No. 23-30779, 2024 WL 4511240 (5th Cir. Oct. 17, 2024), First United Pentecostal Church sued...
September 19, 2024
There must be something in the water or the plaintiff’s bar just had a conference where the keynote speaker addressed strategies for putting pressure on insurers by issuing time-limited demands (“TLD”) because we have been asked by several insurer clients over the last few weeks to evaluate whether...
August 23, 2024
In Brodowy v. Progressive Direct Ins. Co., the Ninth Circuit affirms the district court’s granting of Progressive Direct Insurance Company’s (“Progressive”) motion for summary judgment as to claims alleging bad faith and violations of Montana’s Unfair Trade Practices Act (“UTPA”), as well as a...
August 01, 2024
Cozen O'Connor’s Global Insurance Department's Claims Notes provides quick, to-the-point summaries of national insurance developments, including notable insurance decisions, legislation, trends, and regulatory guidance.
July 18, 2024
Introduction
Insurers are frequently asked to satisfy their duty of good faith and fair dealing by entertaining reasonable settlement offers within the combined limits of the policies. However, primary and excess insurers do not always agree whether a particular claim presents a significant...
June 27, 2024
The start of 2024 marked the end of an insurance era in Oregon. On December 29, 2023—the last Friday before the new year—the Oregon Supreme Court issued its much-anticipated decision in Moody v. Oregon Community Credit Union, et al., 371 Or 772 (2023). Before Moody, Oregon had long been a...
June 27, 2024
Cozen O'Connor’s Global Insurance Department's Claims Notes provides quick, to-the-point summaries of national insurance developments, including notable insurance decisions, legislation, trends, and regulatory guidance.
June 10, 2024
Karl Schulz discusses the Texas Supreme Court's recent ruling rejecting Stonewater Roofing's claim that a Texas statute violated free speech and due process rights.
May 30, 2024
Cozen O'Connor’s Global Insurance Department's Claims Notes provides quick, to-the-point summaries of national insurance developments, including notable insurance decisions, legislation, trends, and regulatory guidance.
April 29, 2024
Cozen O'Connor’s Global Insurance Department's Claims Notes provides quick, to-the-point summaries of national insurance developments, including notable insurance decisions, legislation, trends, and regulatory guidance.
March 26, 2024
Cozen O'Connor’s Global Insurance Department's Claims Notes provides quick, to-the-point summaries of national insurance developments, including notable insurance decisions, legislation, trends, and regulatory guidance.
February 27, 2024
Cozen O'Connor’s Global Insurance Department's Claims Notes provides quick, to-the-point summaries of national insurance developments, including notable insurance decisions, legislation, trends, and regulatory guidance.
October 17, 2023
Law360 covered the recent expansion to the firm’s insurance litigation practice by adding Julie E. Van Wert, David M. Berke, Jerome P. Doctors, and Rangi Perera in Los Angeles and Christopher Tramonte in Houston.
August 16, 2023
The First Circuit rejected the insured’s argument that an insurer’s purported “actual knowledge” of a claim is sufficient to comply with the policy.
June 29, 2023
In an unexpected and last minute turn of events, the Oregon legislature failed to pass a final-stage version of House Bill 3242 before its regular session adjourned on June 25, 2023 for the remainder of the year. Generally, if HB 3242 had been promulgated into law, it would have opened the door to...
May 10, 2023
Stephen P. Pate co-authored the article, “Should I Stay or Should I Go? Recent Developments and Special Situations Impacting Removal in Insurance Cases” for the Defense Research Institute’s (DRI) May issue of For The Defense.
July 20, 2022
In its recent decision, Brink v. Direct General Ins. Co., 38 F.4th 917 (11th Cir. 2022), the Eleventh Circuit ruled 2-1 that the Florida district court erred when it failed to instruct a jury that an insurer not only owed a duty to settle claims for its insured, but also owed a duty to advise its...
July 12, 2022
Michael W. Melendez and Chad A. Pasternack wrote the article “Top Bad Faith Cases of 2021” for Westlaw Today.
June 30, 2022
The United States Court of Appeals for the Fifth Circuit recently affirmed a long-standing Texas rule: the duty to defend is not implicated unless the insured complies with the policy’s notice-of-suit requirements and demands a defense. Moreno v. Sentinel Ins. Co., Ltd., 35 F.4th 965, 975-77 (5th...
June 28, 2022
In Elephant Insurance Co., LLC v. Kenyon, the Supreme Court of Texas reiterated the framework of an insurer’s common-law duties to insureds under Texas law.[1] In applying that framework to the facts of the case, the Court rejected an attempt to expand an insurer’s obligations under existing...
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.
May 03, 2022
In its recent decision, People ex rel. Ellinger v. Magill, et al., ---Cal.Rptr.3d---, No. E076378, 2022 WL 1077988 (Cal. Ct. App., Mar. 18, 2022), the California Court of Appeal refused to extend liability under California’s Insurance Frauds Prevention Act (IFPA) to an insurer’s claims handling...
April 29, 2022
A recent Supreme Court decision, High Country Paving, Inc. v. United Fire & Cas. Co., 2022 MT 72, ¶ 1, answered in the negative a question certified by a federal district court regarding tensions inherent in Montana’s Property and Casualty Insurance Policy Simplification Act (“PSA”). The...
March 01, 2022
On February 15, 2022, the United States Court of Appeal for the Eleventh Circuit upheld the Southern District of Florida’s summary judgment victory for GEICO, finding that no reasonable jury could conclude that GEICO had operated in bad faith with respect to its handling of a wrongful death claim...
January 26, 2022
On January 19, 2022, New Jersey Governor Phil Murphy signed S.B. 1559, known as the “New Jersey Insurance Fair Conduct Act,” which allows motorists to sue their insurance companies over “unreasonably” late or denied coverage benefits and unfair settlement practices. The bill, passing through both...
March 29, 2021
Michael Melendez and Rebekah Shapiro discuss a recent California Appeals Court decision in Planet Bingo LLC v. Burlington Ins. Co., and what it means for liability insurers.
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Upcoming Events
July 31, 2025 - Park City, UT
Alycen A. Moss will moderate the panel titled, "Nuclear Winter: It Doesn’t Have to Be a Doomsday" at the 2025 FDCC Annual Meeting in Park City, Utah.
June 25, 2025 - Webinar
Josh Tumen, a member of the Global Insurance Department, and Timothy Dowden (Senior Vice President, Renewable Energy & Power) and Daniel Williams (Senior Vice President, Forensic Accounting) of J.S. Held, will present a Cozen O'Connor webinar titled "Battery Energy Storage Systems: Market Trends and Insurance Coverage Issues."
June 24, 2025 - Glendale, AZ
Karl A. Schulz will present "Homeowner’s Cause and Origin: Based on an Arson Case Study" at the Property & Liability Resource Bureau's 2025 Western Regional Adjusters Conference in Glendale, Arizona.
June 11, 2025 - Webinar
Stephanie Chesney and Valerie Sworn will present a Cozen O'Connor webinar titled "Rigger and Trucker Liability."
Past Events
June 05, 2025 - Newport, RI
May 08, 2025 - Chicago, IL
April 09, 2025 - Dallas, TX
March 30, 2025 - Indianapolis, IN
January 28, 2025 - Dallas, TX
April 03, 2024 - San Francisco, CA
February 14, 2024 - Webinar
September 20, 2023 - Webinar
March 29, 2023 - Tampa, FL
October 25, 2022 - Webinar
July 25, 2022 - Seattle, Washington
January 26, 2022 - Webinar
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May 21, 2025
Joseph Ziemianski, co-chair of the firm’s Global Insurance Department, has been selected to join Insurance Business America’s Insurance Defense Lawyers Editorial Panel.
May 21, 2025
Frank Toddre, a new member in the Global Insurance Department, was quoted in the recent article “Cozen O'Connor's Insurance Team Hires Former Deputy AG” by Law360.
May 20, 2025
Tiffany Bustamante, a member of the Global Insurance Department and co-chair of the Bad Faith group, has been appointed to the University of Florida’s Levin College of Law Alumni Council Board of Directors, and named co-chair of the Alumni Engagement Committee.
May 19, 2025
Toddre, who comes to the firm from Lewis Brisbois, joins Cozen O’Connor as a member and will work out of its Las Vegas office.
May 15, 2025
Tiffany Bustamante, a member of the Global Insurance Department and co-chair of the Bad Faith group, has been accepted as a Fellow of The Florida Bar’s Wm. Reece Smith, Jr. Leadership Academy.
April 15, 2025
Alycen A. Moss, co-vice chair of the Global Insurance Department, was quoted in the recent article "Ga. Tort Reform Promises Relief From Insurance Industry Ills" by Law360.
March 21, 2025
ATLANTA – March 21, 2025 – Alycen Moss, co-vice chair of Cozen O'Connor's Global Insurance Department, has been named one of Law360's 2025 Insurance Authority Property Editorial Advisory Board members for the fourth year in a row.
February 19, 2025
Lyn Dodson, Kenan Loomis, and Alycen Moss are listed as Super Lawyers; Luciana Aquino, Samuel M. Lyon, and Saskia H. Olczak were named Rising Stars.
January 28, 2025
Alycen A. Moss and Kenan G. Loomis were recognized by GaBiz Magazine as "Top Lawyers" of 2024 in the Winter 2024 Issue.
December 03, 2024
Valerie Sworn has been named to the “Top 40 Under 40” in Texas by The National Black Lawyers (NBL) Association. This exclusive recognition is reserved for the top 40 under 40 African American lawyers in each state, recognized for their outstanding legal skills and professional contributions.
July 31, 2024
Peter Berg and Jodi A. McDougall were named 2024 Super Lawyers; Sarah Pozzi and Karl Neumann were recognized as 2024 Washington Rising Stars.
July 03, 2024
Eight Cozen O’Connor attorneys have been recognized as Super Lawyers, including Susan N. Eisenberg, James A. Gale, Howard S. Krooks, Samuel A. Lewis, Ellen S. Morris, Stuart R. Morris, Ralf R. Rodriguez, and Martin T. Schrier. The seven Cozen O’Connor attorneys recognized as Rising Stars are Heather Beale, Tiffany Bustamante, J. Kent Crocker, Arielle Eisenberg, Alexandra J. Schultz, Natasha Shaikh, and Paul Souferis.
March 05, 2024
Ira Bodenstein, Jack Carriglio, Janet Davis, John Dunn, Mitch Edlund, Wendy Enerson, Gary Gassman, Tia Ghattas, Jeremy Glenn, Erin Bolan Hines, Mark Rabinowitz, Peter Roberts, Brian Shaw, Joseph Tilson, Julie Trester, Peter Valeta, Anna Wermuth, and Brian Williams were recognized as Leading Lawyers, Christina Sanfelippo was recognized as an Emerging Lawyer.
February 12, 2024
Recognized by their peers in Georgia as Super Lawyers are Kenan Loomis and Alycen Moss. Luciana Aquino, Dakota E. Knehans, and Danielle C. Le Jeune were named “Rising Stars,” a list that recognizes attorneys under the age of 40.
October 16, 2023
Julie E. Van Wert, David M. Berke, Jerome P. Doctors, and Rangi Perera joined in Los Angeles and Christopher Tramonte joined in Houston.
July 31, 2023
The Seattle attorneys who have been recognized by their peers in include firm members Jodi McDougall, Terri Sutton, and William Walsh. Peter Berg and Sarah Pozzi were recognized as 2023 Washington Rising Stars.
July 10, 2023
Cozen O'Connor's Aviation (Litigation/Regulation), Construction, L&E, M&A (Midmarket), Shipping (Finance and Litigation/Regulation) practices were ranked by the Legal 500.
June 14, 2022
Alissa Christopher, Member of the firm's Global Insurance Department, was recognized as the Volunteer of the Week by the Human Rights Initiative (HRI) of North Texas.
March 22, 2022
John R. Ewell was quoted in the article “Colorado Ruling Accelerates Debate On Adjuster Liability” by Law360.
January 19, 2022
John R. Ewell was quoted in the article “NJ Gov. Signs Bill To Allow 'Bad Faith' Insurance Suits” by Law360.
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