International Society of Primerus Law Firms

Insurance Law Firms

Insurance Law Firm Directory

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Law Firm NameLocation
Bennett Law Firm, P.A., The Portland Maine
Bennett Law Firm, P.A., The Concord New Hampshire
Brödermann Jahn Hamburg Germany
Burch & Cracchiolo, P.A. Phoenix Arizona
Cacheaux Cavazos & Newton Reynosa Mexico
Cacheaux Cavazos & Newton Matamoros Mexico
Cacheaux Cavazos & Newton Monterrey Mexico
Cacheaux Cavazos & Newton Queretaro Mexico
Cacheaux Cavazos & Newton Ciudad Juárez Mexico
Cacheaux Cavazos & Newton Guadalajara Mexico
Cacheaux Cavazos & Newton Mexico City Mexico
Cacheaux Cavazos & Newton Tijuana Mexico
Carroll & O'Dea Lawyers Sydney Australia
Christian & Small LLP Daphne Alabama
Christian & Small LLP Birmingham Alabama
Coleman & Horowitt, LLP Sonora California
Coleman & Horowitt, LLP Visalia California
Coleman & Horowitt, LLP Fresno California
Cornelius & Collins, LLP Nashville Tennessee
Coughlin & Gerhart, LLP Binghamton New York
Daoud Law Office Amman Jordan
Fowler Bell PLLC Lexington Kentucky
Giwa-Osagie & Company Lagos Nigeria
Giwa-Osagie & Company Abuja Nigeria
Gordon Arata Montgomery Barnett Lafayette Louisiana
Gordon Arata Montgomery Barnett New Orleans Louisiana
Guardia Montes & Asociados San José Costa Rica
Handley Law Center, The El Reno Oklahoma
Jasper Avocats Paris France
Lipe Lyons Murphy Nahrstadt & Pontikis Ltd. Chicago Illinois
Llona & Bustamante Abogados Lima Peru
Masters Law Firm, L.C., The Charleston West Virginia
McKenney, Clarkin & Estey, LLP Providence Rhode Island
Mellino Law Firm, LLC Rocky River Ohio
Meythaler & Zambrano Abogados Quito Ecuador
ONC Lawyers Hong Kong Hong Kong (SAR)
Sharpless McClearn Lester Duffy, PA Graham North Carolina
Sharpless McClearn Lester Duffy, PA Greensboro North Carolina
Thomas J. Wagner, LLC, Law Offices of Philadelphia Pennsylvania
Wharton Aldhizer & Weaver, PLC Harrisonburg West Virginia
Wharton Aldhizer & Weaver, PLC Harrisonburg Virginia
Young Wells Williams P.A. Ridgeland Mississippi

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Insurance Law

The term “insurance” is a contractual agreement, most commonly in the of an insurance policy, which legal binds the insurer to cover the cost of all or any portion of damages suffered by the insured party as defined in the policy. In its essence, the purpose of insurance is to ad-measure the risks of a potential loss from the insured party. The area of insurance law involves the Federal laws and state statutes regulating the business and commercial conduct of the insurance industry.

While types of insurance vary widely, their primary goal is to allocate the risks of a loss from the individual to a great number of people. Each individual pays a “premium” into a pool, from which losses are paid out. The premium is not returnable is a loss is not suffered, in that case the payment is for ‘peace of mind”. Thus, when a loss is suffered, the loss is spread to the people contributing to the pool. To ensure these pools are properly managed and adequately funded, the government and the courts heavily regulate the insurance industry.

In 1944, Congress enacted the McCarran-Ferguson Act (15 USCS § § 1011), which provided that the laws of the several states should control the insurance business, but that the Sherman Act,the Clayton Act, and the Federal Trade Commission Act were applicable to the insurance business to the extent that it was unregulated by state law.

The McCarran-Ferguson Act, broadly speaking, gives states the power to regulate the insurance industry. While state insurance statutes override most federal laws, some portions of federal law (like federal tax laws) are always controlling. To determine whether a particular law governs, the determining factor is whether the issue is related to the “business of insurance”, where state law governs, or whether it is related to peripherals of the industry, such as labor, tax, and securities, where federal law governs.

Insurance Law Resources:

Compendium of Principles of Law Regarding Bad Faith in the Fifty State and D.C – Complied by the Insurance Coverage and Bad Faith Group of the Primerus Defense Institute