Insurance Agents and Brokers


The LGWM Professional Liability Practice Group knows how to best defend insurance agents and brokers. Our team has defended hundreds of insurance professionals over the last two decades. We understand both the practical aspects of the profession, and the laws that govern the tripartite relationship between the insured, agent, and carrier. We know how to navigate these claims to the most suitable result for the insurance agent or broker. It starts with a keen understanding of the various types of policies and coverages that agents and brokers sell.


LGWM’s experience in defending insurance agents and brokers runs the gamut of the insurance industry. We have represented life and health, and property and casualty agents and brokers alike. We have handled cases involving the procurement of all forms of commercial insurance products, including general liability and umbrella coverage; commercial property; professional liability and directors and officer’s coverage; employment practices liability; and commercial auto and trucking. We have represented agents and brokers in cases involving all forms of personal lines coverage including auto; homeowners; and both individual and group life, health, and disability claims. The LGWM team also has represented agents and brokers involved in placing coverage in a variety of non-traditional insurance programs such as captives; self-funded and partially self-funded plans; and MEWAS.



  • Represented all the agents statewide of several major life insurers engaged in vanishing premium litigation.
  • Represented agent of major personal lines carrier in thirty lawsuits by policy holders arising from theft of premiums by agent’s secretarial staff.
  • Represented agent of major disability carrier in over 400 arbitrations with policy holders over the definition of occupation in disability policies.
  • Represented brokers in various lawsuits involving hurricane damage to Gulf Coast Condominiums.
  • Represented agent in litigation to successfully reform policy post-loss where policy erroneously was issued with $300,000 limits when $1,000,000 limits were intended.
  • Represented agents in over 100 suits by policyholders in failed partially self-funded major medical plans that constituted impermissible multiple employer welfare arrangements.

Department Head

Steve Whitehead