Complete legal coverage for the insurance industry.
Our insurance team has decades of experience serving insurance companies, financial services firms and businesses looking to manage, distribute or monetize risk. Our attorneys have worked across 53 different state/territorial jurisdictions in the U.S., along with the federal law overlay and international insurance markets. We provide a breadth of services spanning all segments of the insurance industry, from advising on highly specialized regulatory issues to defending clients in litigation, investigations and enforcement actions.
Better still, our insurance attorneys and professionals have been true innovators in the insurance compliance space. We’ve developed cutting-edge products and risk-bearing structures to cover emerging technologies, drafted model laws and guidelines for regulatory clarity, and helped clients design new distribution channels and back-end claims processes from scratch. We also help startups in the InsurTech space formulate proactive strategies around their insurance-related innovations and educate regulators in an effort to ensure that regulatory barriers do not impede innovation.
Greg E. Mitchell
Industry Team Leader
Our team is comprised of seasoned health care and insurance regulatory attorneys and professionals with hands-on experience, such as team members who served in leadership roles for large-scale health systems, Fortune 500 managed health care companies and insurers prior to joining private practice. On the provider side, we offer traditional health care services, with a focus on innovation in all aspects of the word, from technological advances in information management, pharma, devices and delivery methods to reimbursement and payment models. We represent multi-entity health care delivery systems, rural health systems, managed care organizations, long-term and continuing care facilities, teaching institutions and physician groups. We also counsel practice management companies, home health agencies, outpatient centers, and hospitals, as well as medical technology players who are innovating the way health care is delivered via artificial intelligence, life sciences and devices.
On the payor side, we represent traditional health insurers from HMOs to self-insured programs, as well as those entities involved with all forms of coverage from ACA, excepted benefits, limited benefits, supplemental, Medicaid, Medicare, Medicare Advantage and Part D. We also counsel various entities that provide services necessary for payor operations, including third-party administrators, utilization review agents, pharmacy benefit providers/pharmacy techs, medical necessity guidelines, billing/coding, and related services/systems.
Licensing and regulatory compliance touch every aspect of an insurance transaction, even when insurance isn’t one of the business’s core services. We have a wealth of knowledge and the experience to help guide you through these regulatory requirements. Our attorneys provide counsel on a regional and national basis to entities with agent or agency licensing and compliance issues, including both traditional insurance entities as well as retailers, manufacturers and credit card companies. We also advise other service providers interested in adding insurance sales capabilities or in connection with insurance program agreements underwritten by licensed entities.
Companies spend thousands of dollars a year to protect themselves through insurance programs that cover the various risks associated with running a business, including general liability, commercial automobile, directors and officers, fidelity and workers’ compensation. Our attorneys are experienced in reviewing and analyzing these insurance programs to assess alternative coverages, deductibles, retention limits and self-insurance options. By identifying the best program options available to the company, we help clients make the most cost-effective and efficient use of their resources with respect to managing risks.
Captives have seen an uptick in popularity among companies looking to leverage greater control over their business risks. Our team possesses an in-depth understanding of the various coverage options, cost reductions and tax benefits associated with alternative risk mechanisms. We draw on this knowledge to creatively and efficiently structure domestic and off-shore captives, risk retention and purchasing groups, as well as various forms of group and self-insurance entities. We help associations, healthcare providers, manufacturers and a host of other businesses manage and insure multiple types of risks while providing additional guidance on formation and regulatory compliance matters.
Managing the regulatory and business aspects of extended warranty programs are as important today as they’ve ever been. Recognizing this, we see to it our clients have recourse to informed, practical advice regarding critical aspects of extended warranty programs, including program structure, contract terms and marketing methods, as well regulatory, licensing, and disclosure requirements. In addition to representing third-party plan providers and administrators, we counsel both emerging businesses and Fortune 500/1000 companies, including product manufacturers, retailers, service providers and platform developers.
When operating in a heightened regulatory environment, maintaining a good working relationship with regulators is a necessity. Our attorneys offer years of experience interfacing with regulators on behalf of clients an in the development of new legislation encouraging innovation in the insurance industry. We provide a wealth of perspective and insight on insurance-related transactions and code compliance matters, including market conduct examinations, compliance audits agency/brokerage acquisitions, provider agreements and joint venture arrangements, as well as insurer insolvency and administrative proceedings, litigation and arbitration.
Though a longstanding and popular product, travel insurance is subject to a host of uniformity and reciprocity issues that can be nebulous to regulators and industry participants alike. Enter clarity. Our attorneys have not only led the way in developing cutting-edge products and distribution compliance systems for the travel and tourism industry. Our deep regulatory knowledge has vaulted us to the forefront of the insurance compliance space. We advise clients across the tourism and hospitality ecosystem on a variety of product compliance-related matters, including market conduct exams and corrective action plans for hybrid ancillary products as well as producer licenses and requirements for limited lines travel insurance.
Our team is committed to understanding our clients’ business challenges and providing them with aggressive representation in contractual and extra-contractual matters. Our litigation support services include:
- Coverage disputes.
- First-party and third-party bad faith claims.
- Large uninsured and underinsured motorist claims.
- Class action lawsuits and alleged mass torts.
- Aggregated consumer claims.
- Fraud claims.
- Environmental and catastrophic property damage claims.
- Wrongful death claims
An annual gathering of decision-makers from all corners of the insurance industry.
Explore articles and recent examples of our work.
Washington State Addresses Unlicensed Producer Activity Via Website Insurance Sales
April 16, 2021 | Publications
The Washington state Office of the Insurance Commissioner (WA OIC) issued a Technical Assistance Adv...
COBRA Subsidy Effects on Severance Programs and Employee Separations
April 9, 2021 | Publications
The American Rescue Plan Act of 2021 (ARPA) was signed into law on March 11, 2021. The ARPA, among o...
Kentucky Adopts Amended NAIC Travel Insurance Model Act
March 19, 2021 | Publications
Kentucky has joined a number of states in adopting an amended version of the National Association of...
New HIPAA Proposed Rule Expands Consumer Rights Over PHI
March 10, 2021 | Blogs
The Department of Health and Human Services (HHS) issued a Notice of Proposed Rulemaking (the “NPR...
Case Study: Frost Brown Todd assists North American cruise lines with voucher program during Canadia...
February 15, 2021 | Experience
Problem The Canadian government recently issued an interim order limiting cruise services in 2021 be...
New Business Ventures and New Entities
February 5, 2021 | Publications
An expanding business achieves success through swift recognition of new opportunities. Many business...