Insurance Law

Legal Services

Insurance Law

Kerr Russell’s insurance law attorneys assist clients in a variety of businesses to plan, review and monitor their insurance arrangements to protect their rights and minimize exposure.

For most businesses, insurance is a significant cost but also an important asset, and we help our clients to understand their options, maximize the efficiency of their insurance, and ensure that their risk management strategy aligns with their business strategy.

Our attorneys also possess significant experience and a long history of representing clients in insurance-related litigation. Businesses pay insurance premiums in good faith, with the expectation that coverage will be there if and when it is needed. We assist clients when claims are denied, and have a proven track record of helping clients recover.

Our experience includes a broad range of insurance matters, such as:

  • Fidelity
  • Suretyship
  • Property and casualty
  • Director and officer liability
  • Captive insurance and risk retention groups
  • Self-insurance and group sponsored plans
  • Alternative risk and offshore insurance programs
  • Licensing, regulation and corporate/governance
  • Reinsurance
  • Health
  • Coverage disputes
+Practicing Attorneys & Staff

Attorneys

Daniel J. Ferris

Member

Patrick J. Haddad

Member

Eric I. Lark

Member

F. Broc Gullett

Associate

Kathleen A. Westfall

Associate

+Related Insights

June 5, 2019

What You Need to Know About the Auto No-Fault Law

The recent changes to the Michigan No-Fault Act have been publicized as changes affecting medical coverage and insurance premium rates but the actual enacted changes in the law go well beyond what has been in the media. There are many unanswered questions that arise from the 120-page bill signed by Governor Whitmer on May 30, 2019. The changes impact: Driver premiums; Medical provider fees; The viability and availability of healthcare providers for injured victims; Litigation in the context of claims for the insured (PIP coverage); and Penalties for false claims.

April 18, 2018

Michigan Ownership Liability and No-Fault Act: Ramifications with Self-Driving Vehicles

By Daniel G. Beyer Self-driving vehicles, also known as autonomous vehicles, are the subject of Michigan legislation amended  in late 2016, specifically MCL 257.665, 665a and 665b. This memorandum, among other things, makes observations on this legislation and potential interplay with the Michigan No-Fault Act, MCL 500.3101 et seq.

January 26, 2018

Download Kerr Russell's updated firm brochure and overview of services

Kerr Russell is proud of Detroit. We are proud to have had a seat at the table here since 1874. Our exceptional attorneys understand the unique challenges facing business leaders. Our legal solutions are prompt, accurate, economical, and focused around your needs in every area. We know Michigan business like the back of our hands.

January 15, 2018

Honoring the legacy of Reverend Martin Luther King, Jr.

On Martin Luther King, Jr. Day and every day, we at Kerr Russell honor Reverend King’s leadership and his legacy as well as the critical importance of diversity and opportunity in this great land of ours. Strength comes from difference; a multiplicity of voices brings positive change; understanding and inclusion inspire creativity and innovation.

September 28, 2017

Michigan No-Fault: New Challenges for Physicians to Collect Payment

The Michigan Supreme Court recently issued its opinion in Covenant Medical Center, Inc. vs. State Farm Mutual Automobile Insurance Co., 895 N.W. 2d 490 (Mich. May 25, 2017). This opinion is important for physicians and other providers who treat patients whose expenses are covered by Michigan no-fault personal protection benefits.

August 29, 2017

Tax Court Invalidates Section 831(b) “Micro-Captive” Finding Alleged Premium Payments Non-Deductible

The Tax Court issued its long-awaited decision in Avrahami v. Commissioner, 149 T.C. No. 7 (August 21, 2017), agreeing with the IRS that amounts paid to a captive/reinsurer that elected to be a treated as “micro-captive” pursuant to §831(b) were not deductible insurance premiums because the arrangement failed to qualify as insurance.

August 1, 2017

Daniel Schulte contributes "Direct Claims for Payment from No-Fault Insurers" to the Michigan State Medical Society's Michigan Medicine magazine

Kerr Russell's Dan Schulte contributes the article "Direct Claims for Payment from No-Fault Insurers" to the "Ask Our Lawyer" feature of Michigan State Medical Society's Michigan Medicine (July/August issue). Dan serves as legal counsel for the Society and is a member and managing partner of Kerr Russell.
+Related News

September 5, 2018

Daniel Ferris serves as editor of "Damages and Remedies in Michigan" (4th edition) for Institute of Continuing Legal Education

Kudos to Kerr Russell member Daniel Ferris who served as editor of the recently published Damages and Remedies in Michigan, a leading litigation treatise published by the Institute of Continuing Legal Education. Fellow editors included Barbara A. Patek, Mark Granzotto, and David H. Freedman.

May 11, 2018

We've got you covered. Look for Kerr Russell advertising in Captive Insurance Times

Kerr Russell handles all aspects of captive insurance and alternative risk programs. For over 30 years, we have formed and advised countless captive insurance companies and other alternative risk entities, including pure captives, group captives, agency and association owned captives, IRC §831(b) small captives, rent-a-captives, cell captives, series captives, risk retention groups, risk purchasing groups and other pooling arrangements.

March 29, 2018

Detroit Public Television's PBSNewsHour and Nightly Business Report to be sponsored by Kerr Russell

Kerr Russell is pleased to support Detroit Public Television, and, beginning April 2, the following spot will air during PBS NewsHour (weekdays, 6-7 pm) and the Nightly Business Report (weekdays, 7-7:30 pm). View the spot here.

February 26, 2018

Kerr Russell's latest ad "Driven By Results" debuts in Crain's M&A, Biggest Deals issue this week

Kerr Russell's latest ad "Driven By Results" debuts in Crain's M&A, Biggest Deals issue this week. The ad emphasizes the firm's 143-year presence in Detroit as part of the larger business and legal community. "We understand the region. We know what moves Michigan. We are committed to the community."

February 14, 2018

Kerr Russell lunch and learn with Sterling Insurance Group

Kerr Russell hosted a lunch and learn on February 14 with Brandon Horrocks (certified risk architect), Joan Giffels, and team from Sterling Insurance Group. They facilitated a robust dialogue about assessing and mitigating client risk as well as rep and warranty issues.

February 12, 2018

Eric Lark re-elected chair of Northville Township Planning Commission

Congratulations to Kerr Russell member Eric Lark who was recently re-elected chair of the Northville Township Planning Commission. He has served as chair since January 1, 2016. He has been a member of the planning commission since January 1, 2013.

January 15, 2018

Influencing the Legal Landscape - new Kerr Russell ad to appear in dbusiness

Kerr Russell introduces the third ad in the new "Est. in Detroit 1874" series: "Influencing the legal landscape." The piece emphasizes the firm's 143-year presence in Detroit as part of the larger business and legal community. "We don't sit on the sidelines. We are active in industry groups and we're driving legislative change. We are leaders in the law."

January 3, 2018

Kerr Russell highlighted in Best Lawyers - Business, Winter 2017 issue

Look for Kerr Russell attorneys and advertising (pages 92-95) in the Best Lawyers - Business, Winter 2017 issue. Earlier in 2017, a number of Kerr Russell's attorneys and practice areas were honored with U.S. News and World Report Best Lawyers recognition.

December 18, 2017

Kerr Russell team makes holiday donations to Capuchin Soup Kitchen, Wigs 4 Kids, Ronald McDonald House Charities of Ann Arbor, and Children's Hospital of Michigan

One of our traditions here at Kerr Russell is to hold a holiday raffle to benefit three local charities as well as to conduct a toy drive for local children. This year's raffle (many of the beautiful and festive prizes picture here) raised a record total of $3,450 which will be divided equally among three organizations: Capuchin Soup Kitchen, Wigs 4 Kids of Michigan, Inc., and Ronald McDonald House Charities of Ann Arbor.

November 30, 2017

Merry and bright ... Kerr Russell welcomes the holiday season

It's a time to celebrate, reflect and remember. However you mark the holidays, we hope your days are filled with warmth and thankfulness, good times, and endless cheer. As another year draws to a close, we at Kerr Russell are grateful to you. You give purpose to our work and add meaning to our relationships. Your trust is a cherished gift. Enjoy these images as we get our offices ready to celebrate the holiday season. Design by Mandy Lark of Lark Interior Design.

November 16, 2017

Culture of Connection - new Kerr Russell ad to appear in Michigan Lawyers Weekly and dbusiness

Kerr Russell introduces the second ad in the new "Est. in Detroit 1874" series: "A culture of connection." The piece emphasizes the firm's 143-year presence in Detroit as part of the larger business and legal community. "We are relationship focused. We know our people and our clients are the lifeblood of our firm."

November 4, 2017

Daniel Ferris appointed Chair of the Drafting Committee of the State Bar of Michigan Representative Assembly

Daniel J. Ferris, member, has been appointed Chair of the Drafting Committee of the State Bar of Michigan Representative Assembly. In 1971, the State Bar Board of Commissioners requested the Supreme Court create a "representative assembly".

November 3, 2017

Kerr Russell launches new advertising in upcoming issues of dbusiness and Crain's Detroit

With this month's issue of dbusiness, focused on Top Lawyers in Metro Detroit, Kerr Russell launches its new brand advertising with "A Track Record of Results." Working with Identity Public Relations and Marketing, Kerr Russell's marketing team developed the creative to emphasize the firm's longstanding place in Detroit's legal and business history.

November 1, 2017

Kerr Russell ranked in the 2018 U.S. News - Best Lawyers® "Best Law Firms" list nationally in 1 practice area and regionally in 17 practice areas

U.S. News & World Report and Best Lawyers, for the eighth consecutive year, announce the "Best Law Firms" rankings.

September 19, 2017

Kerr Russell team places second and scores longest drive at Detroit Chinese Business Association golf outing

At the 22nd Annual Detroit Chinese Business Association (DCBA) International Golf Opening at Indianwood Golf and Country Club, our attorneys experienced a great afternoon of golfing and kinship, plus a wonderful dinner with opening remarks by Executive Office, Oakland County, Michigan's Deputy Executive Matthew Gibb.

September 8, 2017

Broc Gullett participates on Michigan Association of Bar Executives "Bar Association Boot Camp" panel

On September 8, the Michigan Association of Bar Executives held its "Bar Association Boot Camp" in East Lansing. The organization described the event as "training and discussion for bar association presidents, executive directors, board members, staff, and young lawyers who project as future leaders.