International Society of Primerus Law Firms

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Member Firm Location
1961 Abogados y Economistas Barcelona, Spain
Barcellos Tucunduva Advogados Sao Paulo, Brazil
Bennett Law Firm, P.A., The Maine
Bennett Law Firm, P.A., The 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 Birmingham, Alabama
Coleman & Horowitt, LLP Sonora, California
Coleman & Horowitt, LLP Fresno, California
Coughlin & Gerhart, LLP Binghamton, New York
Füsthy & Mányai Law Office Budapest, Hungary
Formosan Brothers Taipei, Taiwan, R.O.C.
Fowler Bell PLLC Lexington, Kentucky
Giwa-Osagie & Company Lagos, Nigeria
Guardia Montes & Asociados Costa Rica
Handley Law Center, The Oklahoma City
Hengtai Law Offices Shanghai, China
Lipe Lyons Murphy Nahrstadt & Pontikis Ltd. Chicago, Illinois
Llona & Bustamante Abogados Peru
Magleby Cataxinos & Greenwood Salt Lake City, Utah
Masters Law Firm, L.C., The Charleston, West Virginia
McKenney, Quigley & Clarkin, LLP Providence, Rhode Island
Mellino Law Firm, LLC Rocky River, Ohio
ONC Lawyers Hong Kong
Seeds of Law Brussels, Belgium
Seeds of Law Ghent, Belgium
Spicer Rudstrom PLLC Nashville, Tennessee
Spicer Rudstrom PLLC Chattanooga, Tennessee
Spicer Rudstrom PLLC Memphis, Tennessee
Thomas J. Wagner, LLC, Law Offices of Philadelphia, Pennsylvania
Vatier Paris, France
Wharton Aldhizer & Weaver, PLC West Virginia
Wharton Aldhizer & Weaver, PLC Harrisonburg, Virginia
WINHELLER Attorneys at Law & Tax Advisors Frankfurt

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Insurance Lawyers

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.