This program is eligible for 4 hours of CLE credit in 60-minute states. In 50-minute states, this program is eligible for 4.8 hours of CLE credit. Credit hours are estimated and are subject to each state’s approval and credit rounding rules.
Overview
This CLE course provides a foundational understanding of insurance law, covering essential regulatory frameworks, policy interpretation, and litigation strategies. Tailored for legal professionals seeking a comprehensive overview of insurance law, the course will explore key issues in both the regulatory environment and litigation processes, with a focus on the policyholder’s perspective.
Key Topics Include:
- A Tale of Two Regulatory Schemes: Admitted Market vs. Surplus Lines
- Understanding the Basics of Insurance Law
- How to Read and Construe an Insurance Policy
- How to Litigate Insurance Claims
- The Policyholder Perspective
- Bad Faith and Extracontractual Liability
By the end of this course, participants will have a thorough understanding of insurance law, including both regulatory principles and practical litigation strategies. This course will provide the necessary tools for attorneys working in insurance law to better serve their clients, manage risks, and navigate the complexities of insurance disputes.
Faculty
R. Brandon McCullough, Esq.
R. Brandon McCullough is a director and shareholder at Houston Harbaugh, P.C. in Pittsburgh, PA, where he focuses his practice on insurance coverage and bad faith litigation and commercial and business litigation. Mr. McCullough represents insurers in a wide array of coverage and bad faith disputes involving numerous types of commercial and personal lines policies, including disputes over coverage for construction defects, environmental contamination, latent and progressive injuries, first-party property losses, sexual abuse claims, trucking accidents, and natural disasters. Mr. McCullough is Vice Chair of the Insurance Law Committee of DRI and served as Program Chair for the 2023 DRI Insurance Bad Faith and Extra-Contractual Liability Seminar. Mr. McCullough is also a Fellow in the American College of Coverage Counsel.
Ana Paulina Gomez, Esq.
Ana Paulina Gomez was appointed as Chief Counsel of the Pennsylvania Health Insurance Exchange Authority, d/b/a/ Pennie® in January of 2023. As Chief Counsel, she oversees Pennie’s legal matters and provides legal advice to Pennie’s senior staff. Prior to her appointment, she worked for the Pennsylvania Insurance Department where she represented the Department in litigation before administrative tribunals and appellate courts. She also provided the Department with legal advice regarding complex insurance issues, legislation, and regulations. Ms. Gomez is also an Adjunct Professor at Penn State Dickinson Law where she teaches Insurance Law. Prior to joining the Insurance Department, she worked for the Pennsylvania Department of Education where she litigated educator misconduct cases at the administrative and appellate level. Prior to joining the OGC, Ms. Gomez was an Assistant District Attorney at the York County District Attorney’s Office from 2012 until 2015. Prior to her work as an ADA, Ms. Gomez clerked for the Hon. Thomas Kelley in York County immediately after graduating from law school. Ms. Gomez attended the Penn State Dickinson School of Law where she interned for the Hon. Yvette Kane, U.S. District Court for the Middle District of Pennsylvania and served as a Senior Editor for the Penn State Environmental Law Review and a Miller Center for Public Interest Fellow. Ms. Gomez is admitted to practice before the Supreme Court of Pennsylvania and the United States District Court for the Eastern District of Pennsylvania. She is also a trained mediator.
Lindsay B. Andreuzzi, Esq.
Ms. Andreuzzi is a partner in the Philadelphia office of Kutak Rock LLP, where she focuses her practice on insurance coverage and bad faith litigation. Ms. Andreuzzi represents insurance carriers in a wide range of coverage and bad faith disputes, including personal lines and commercial lines policies, including auto and homeowner’s policies, commercial auto and property and CGL policies. She lectures in Pennsylvania, New Jersey and nationally. She earned her B.A. from the Princeton University and her J.D. from George Mason University School of Law.
Jay M. Levin, Esq.
Jay M. Levin is a member of Flaster Greenberg’s Insurance Counseling and Recovery and Litigation Practice Groups, focusing his practice on representing policyholders in disputes with insurance companies involving all types of insurance coverage. Mr. Levin has extensive litigation experience in multi-million dollar property insurance coverage cases, including suits involving policy construction and application, cause and origin, valuation, and business interruption issues. He has assisted clients in successfully resolving eight and nine figure Hurricane Katrina and Superstorm Sandy cases without litigation, and successfully representing other policyholders in litigating Katrina and Sandy cases. Mr. Levin represents policyholders in pursuing claims for loss resulting from various forms of cyber crime, including hacking and social engineering. He represents financial institutions and other commercial policyholders in claims arising under fidelity and crime policies, including claims arising out of defaulted mortgages and employee embezzlement. He has also litigated significant employment practices liability, professional liability, construction defect, and general liability coverage cases. In the Directors and Officers liability area, Mr. Levin actively works with clients to resolve all types of disputes, including application of exclusions and allocation issues. Mr. Levin also handles issues under the fiduciary liability coverages frequently found in D&O policies. He has also arbitrated cases before the American Arbitration Association and in private binding arbitration. Most of his litigated cases involve allegations of bad faith and he is well-versed in that area, as well. An experienced appellate lawyer with over 40 years of experience in briefing and arguing appeals in state and federal court, Mr. Levin has a great deal of experience arguing cases involving insurance coverage, indemnity agreements, case dispositive procedural issues, and tort liability. Mr. Levin also counsels policyholders in non-litigation contexts. He analyzes coverage after a loss has occurred or claim has been made to assist policyholders in presenting the claim to the insurance carrier. He assists policyholders in responding to inquiries and in pointing out errors in the carrier’s coverage position in order to avoid litigating insurance claims, including, inter alia, first-party, professional liability, EPL, D&O, fidelity, crime, cyber, and general liability claims. In addition, he also counsels clients and evaluates coverage in connection with policy renewals, primarily in property, D&O, and professional liability insurance. Mr. Levin also assists clients with drafting and negotiating insurance and indemnity provisions in all types of commercial and construction contracts. A frequent lecturer and author, Mr. Levin speaks and writes on insurance coverage related topics and has spoken at dozens of industry-specific programs, including: Inter Alia, the American Bar Association, American Conference Institute, the Practicing Law Institute, Mealey’s Litigation Report, the Pennsylvania Bar Institute, and the Urban Land Institute, among other organizations. He currently serves as an editor and contributing author of the Property Insurance Litigator’s Handbook and is the former chair of the American Bar Association’s Tort Trial & Insurance Practice Section’s Property Insurance Law Committee.
Anthony L. Miscioscia, Esq.
Anthony L. Miscioscia is a Principal and Co-Chair of the firm’s Insurance Law Department and has a broad range of experience in complex insurance coverage, bad faith, and commercial litigation matters. He is a knowledgeable and experienced coverage attorney and litigator who provides cost-effective, proactive advice to clients in the hopes of avoiding or minimizing litigation, and tenaciously represents clients in suits when needed. With nearly 30 years of experience representing and defending large, multi-line insurance carriers and smaller, regional insurance companies, Mr. Miscioscia provides counsel on complex and emerging issues under both first-party and third-party insurance policies. He handles coverage and litigation matters including construction defect; environmental liability and toxic tort; premises liability; advertising injury/intellectual property; first-party property and business interruption; homeowner’s; legal, accounting, and other professional liability; educator’s legal liability; employment discrimination (EPLI); employee benefits coverage (EBL); directors and officers (D&O); and bad faith claims. Mr. Miscioscia’s practice also includes advising and defending insurers in insurance coverage disputes, including first-party business interruption and civil authority shutdown claims related to the coronavirus/COVID-19 pandemic, and large, multi-party construction defect claims. He counsels clients concerning their rights and obligations with respect to a variety of claims and different types of liability insurance policies, assists clients in evaluating and mediating claims, and identifies potential additional sources of recovery and/or contribution for defense or indemnity that may be owed to a particular insured (including risk transfer and additional insured tenders). In his litigation practice, Mr. Miscioscia actively defends clients’ rights and interests in state and federal court, as well as at arbitration/mediation, when they are at odds with insureds, claimants, and/or other carriers. He regularly defends insurance clients against bad faith, breach of contract, and declaratory judgment claims, and litigates affirmative actions for declaratory relief, reimbursement, and/or contribution. Additionally, Mr. Miscioscia represents insurance company clients in intervention proceedings, which allows the insurers to shape the jury verdict sheet or jury interrogatories that may lead to a verdict against an insured so that the insurer can allocate any indemnity between potentially covered exposure and uncovered amounts more effectively. He also has served as national coverage counsel advising an insurer concerning first and third-party COVID claims nationwide and represented several other carriers on COVID-related coverage matters. Mr. Miscioscia also represents commercial clients in litigation and arbitration regarding business and commercial disputes. This includes contractual indemnification, product liability, defamation, and breach of contract claims. In 2020, Mr. Miscioscia was recognized as a “Top 10 Author” in Insurance in the JD Supra Readers’ Choice Awards. He was also selected by his peers for inclusion in The Best Lawyers in America® in 2019, 2020, 2021, 2022 and 2025 for Insurance Law and Litigation – Construction, and in 2022 was named a “Lawyer of the Year” in Philadelphia, PA for Insurance Law by U.S. News – Best Lawyers®. For information about these selections and an overview of common third-party publications, rankings, and list methodologies, click here.
Scott B. Cooper, Esq.
Mr. Cooper is a partner at the Harrisburg-based personal injury law firm of Schmidt Kramer P.C. where he specializes in personal injury law with an emphasis on motor vehicle accidents and insurance cases. An active member of the Pennsylvania Association for Justice (PAJ), Mr. Cooper served as its 2012-13 President. He is also chairman of its Legislative Policy Committee and has served on both the Executive Committee and Board of Governors. He is also the Treasurer of LAWPAC, the Association’s PAC. Mr. Cooper has an AV Preeminent Martindale-Hubbell rating. In November 2014, Mr. Cooper was appointed by then Pennsylvania Governor-elect Tom Wolf to act as a co-chair for the transition team committee overseeing the Department of the Commonwealth/State. In 2012, Mr. Cooper was appointed by the Pennsylvania Supreme Court to its Appellate Court Rules Committee. He has also been appointed as a Hearing Officer with the Pennsylvania Disciplinary Board. In 2020, Mr. Cooper was appointed by the Pennsylvania Supreme Court to its Civil Procedure Rules Committee and was appointed by the Court to serve as the Committees’ Vice-Chair. In July 2021 he was appointed by Pennsylvania Governor Wolf to the Pennsylvania Judicial Conduct Board, and he was elected this year by the Board to service as its Chair. Mr. Cooper has been named by Pennsylvania Super Lawyers as one of the top 100 lawyers in the Commonwealth every year since 2011. In 2008, Mr. Cooper was honored by PAJ and awarded its prestigious Milton D. Rosenberg Award for leadership and efforts for victims’ rights. In 2005, Mr. Cooper received the Association’s prestigious George F. Douglas Amicus Curiae Award for outstanding appellate advocacy. In addition, Mr. Cooper has been selected for inclusion as a Pennsylvania Super Lawyer every year from 2006 to the present, and in 2005 was a Pennsylvania Super Lawyer Rising Stars. He has also been named Best Lawyers In America each year since 2012. Mr. Cooper has been actively involved in many important appellate cases in the Pennsylvania Supreme and Superior Courts and United States Court of Appeals for the Third Circuit, including Donovan v. State Farm, Gallagher v. GEICO, Rush v. Erie Ins. Exch., Rancosky v. Washington National, Allstate v. Wolfe, Ayers v. Geico, Heller v. League of Cities, Bumbarger v. Peerless, State Farm v. Rosenthal, Sackett v. Nationwide, and Smith v. Rohrbaugh. Mr. Cooper is also a member of the Pennsylvania and Dauphin County Bar Associations. He is a member of the Dauphin County Bar Associations. In 2021 he was named to the Board of Directors of the Joe Allegrini Children’s Hero Fund Board and this year was re-appointed to another term. Mr. Cooper is an editor for the leading treatise on Pennsylvania Auto Insurance released in December 2012, the Third Edition of the Pennsylvania Motor Vehicle Financial Responsibility Law, Pennsylvania Motor Vehicle Insurance: An Analysis of the Financial Responsibility Law. He is also an editor of all supplements for the Third Edition and was also a contributing editor on the Second Edition of the treatise. He is also the author of The A to Z of Civil Depositions in Pennsylvania published by PBI Press in February 2013. The text is a manual for attorneys who need assistance and ideas with handling various types of civil depositions in the Pennsylvania state and federal courts.
Mr. Cooper received his J.D. from Widener University School of Law (1993) and his B.A. from the University at Albany (1990). He is a frequent lecturer and author, who is also involved with the community through the Harrisburg Jewish Community Center and as an Adjunct Professor at Widener Law Commonwealth.

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