Insurance is one of the most highly regulated industries. Morrison & Foerster attorneys advise on a broad range of issues affecting the insurance industry, from capital markets and other business transactions, to tax and regulatory matters, to insolvency and restructuring advice, to insurance related litigation.
We bring our insurance regulatory experience to bear in helping our clients in the industry achieve their business and regulatory objectives. Our attorneys counsel clients on insurance regulatory issues, including representing clients before state insurance departments, as well as advising in connection with investments, licensing, agent issues, life and viatical settlements, financial guarantee issues, reinsurance, risk based capital issues, onshore/offshore issues, marketing and sales practices, rehabilitation, and solvency questions.
Our regulatory capability and knowledge of the industry permit us to handle complex transactions for domestic and international clients that include insurance companies, financial institutions, investment banks, insurance industry intermediaries and other market participants. Our attorneys also work closely with financial institutions clients to develop and structure innovative insurance and insurance-related capital markets products. Our skills in derivatives, commodities, bank regulatory matters, ERISA, and tax are essential to our product development, financing and other capital markets and securitization work for the insurance industry.
We also provide comprehensive representation involving insurance and insurance related issues. We represent and counsel clients with respect to matters involving bad faith litigation, "vanishing premium" claims, class action lawsuits, unfair competition clauses, construction defect claims, directors' and officers' liability, environmental liability, "force-placed" insurance issues, professional liability, and toxic torts.
Our wide-ranging experience enables us to provide our clients in the insurance industry with comprehensive regulatory, legal, and business and strategic advice.