Regulatory Counseling and Compliance


Fifty-six U.S. jurisdictions and even more countries abroad—all imposing a myriad of regulations which insurance companies and insurance professionals must follow. Our lawyers have decades of experience helping clients navigate that welter of black letter and desk drawer rules—including clients who deal with insurers but don’t want to be regulated like them. Beyond interpreting the provision of a state insurance code, we consider how regulators will interpret that provision in a way that will help or hinder your business, and counsel you efficiently on optimal strategies. We assist insurers, reinsurers, captives, purchasing groups, producers, excess line brokers, and service contract providers, and their parent companies, in managing compliance. Our lawyers have regularly provided strategic and tactical advice for clients facing regulatory scrutiny, whether through state insurance regulators, tax authorities, or legislative or political interventions. We have advised clients on everything from reinsurance tax and capital allocation issues, to groupwide supervision regimes and inquiries about sales practices.

Examples of our team’s regulatory experience:

  • Advising a captive insurer and its parent on streamlining claims handling.
  • Ensuring that an insurtech start-up in which our client invested millions was in regulatory compliance.
  • Counseling a leading auto insurer on handling a major market conduct examination by the New York Department of Financial Services.
  • Assisting in-house legal teams in educating management and building compliance procedures to protect the company and its individual managers.