Insurance Transactional and Regulatory

Robinson+Cole's Insurance Transactional and Regulatory Group is a multidisciplinary team of lawyers who represent insurance companies in a wide range of regulatory matters affecting their business. Our group includes lawyers with backgrounds in legal disciplines such as corporate, mergers and acquisitions, government investigations, market conduct, administrative law, tax, and employee benefits. The group also works closely with our government relations lobbyists on legislative drafting, reform, and public policy issues affecting specific clients and the insurance industry generally.

The Insurance Transactional and Regulatory Group represents insurers in virtually every aspect of business operations subject to government regulation. Our experience includes the following:

  • formation and licensure approval
  • expansion applications
  • change in control applications (Form A) and Form A exemption requests
  • redomestications
  • review of capital requirements and structure for regulatory compliance
  • advise in the drafting and regulatory approval of new products
  • negotiation of significant third party contracts
  • taxation
  • market conduct and government investigations
  • contested administrative hearings
  • insolvencies and rehabilitation

Our frequent contact with regulators and proven track record of results have earned us a reputation as efficient and effective regulatory counsel.

In addition to our representation of insurers in property and casualty lines, we also provide general regulatory and business counseling to managed care clients on matters unique to their business, including utilization review laws, the peer review process, Medicare, Medicaid, out-of-network reimbursement, multijurisdictional prompt pay and balance billing laws, and other operational issues faced by health insurers.

Our group also represents the Connecticut Life and Health Insurance Guaranty Association (CLHIGA) as outside general counsel. In that capacity, we have been involved with the resolution of significant issues resulting from insurer insolvencies. Our Government Relations Group counts among its clients the Connecticut Association of Health Plans.

Lawyers in the Insurance Transactional and Regulatory Group are actively involved in insurance industry groups and associations. We are regular participants in meetings of the National Association of Insurance Commissioners (NAIC), the Federation of Defense and Corporate Counsel (FDCC), the American Council of Life Insurers (ACLI), the National Organization of Life & Health Insurance Guaranty Associations (NOLHGA), America's Health Insurance Plans (AHIP), and other industry associations. The group also includes lawyers who are members of the Association of Life Insurance Counsel (ALIC).

    • Experience
      • Transactional

      • Represented a large New York-based health insurer in connection with its Form A exemption request related to its affiliation with another large New York-based health insurer.
      • Represented a Virginia-based holding company in connection with its acquisition of a Connecticut-domiciled life insurance company.
      • Represented a London-based global specialist risk insurance company in connection with its proposed recapitalization and Form A exemption request with the Connecticut Department of Insurance.
      • Represented a Dutch-based global financial services and insurance company in connection with its acquisition of the financial services business of a large Hartford-based insurance company.
      • Represented a New York-based health plan management company and third party administrator on various transactional and corporate matters, including executive compensation and benefits, financing and arrangements, contract preparation, negotiation and review, and acquisitions.
      • Represented a large New Jersey-based property and casualty insurer in connection with its acquisition of a Connecticut-domiciled specialty risk insurance company.

      • Represented a large New York-based health insurer in connection with its Form A exemption request related to its proposed recapitalization as a public company.
      • Represented a Connecticut-based health insurer in connection with its acquisition by a regional Connecticut-based health insurer.
      • Represented a large Connecticut-based health insurer in a significant business contract and a related financing arrangement.
      • Represented a Connecticut-domiciled life insurer in connection with the increase in ownership by a significant investor.
      • Represented a Connecticut-based regional mutual insurer in negotiation of and regulatory approvals for an insurance pooling arrangement and a change in control involving a large Midwestern property casualty insurer.
      • Assisted a Connecticut-domiciled life insurer in connection with its redomestication to Arizona.
      • Represented Connecticut-based health insurers in their initial public offerings.

      • Represented a Massachusetts-based health care plan for "dual eligibles" in connection with the licensure and approval of an affiliated company as a Connecticut health care center (HMO).
      • Represented a large New York-based health insurer in connection with its acquisition of a Connecticut-based health insurer and its affiliated Massachusetts company, including representation in contested administrative hearings.
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