Insurance and Healthcare Regulatory and Compliance

Bressler’s Insurance team consistently delivers true depth of practice in insurance and healthcare regulatory and compliance matters. We advise clients on a broad range of property/casualty, annuity, life, health and disability insurance, as well as managed care and reinsurance law matters. Our clients include insurers, reinsurers, insurance holding company systems and managed care organizations, among others, as well as insurance agents, brokers, dealers, consultants and investment advisors.

We counsel clients on the full array of corporate, marketing, product development and regulatory compliance matters, as well as advocate their positions before regulators. We regularly participate in the activities of the National Association of Insurance Commissioners, the American Counsel of Life Insurers and other trade associations. A sampling of our diverse counseling and regulatory compliance capabilities include:

  • Broker compensation disclosures
  • Producer licensing and appointment
  • Compliance reviews
  • Monitoring targeted market conduct examinations
  • Property/casualty, life, health and annuity rate filings
  • Life insurance and annuity sales practice and employment matters
  • Insurance coverage matters
  • Insured, self-insured, TPA, health insurance provider and producer contracts
  • Producer representation in the sale of books of business
  • Restrictive covenants covering insurance producers
  • Drafting and filing policy forms and endorsements
  • Formation and regulation of captive insurers
  • Insurance transactional matters, including mergers, acquisitions and other organizational or business restructurings and related regulatory filings and approvals 
  • Corporate governance advice, including enterprise risk management and ORSA related issues
  • Tax advice, including premium tax and self-procurement tax
  • Reinsurance and trust agreements
  • Surplus and excess lines insurance
  • Insurer insolvency and run-off matters 
  • Review and structuring of global insurance and other risk management programs 
  • Licensing, certifications, registrations, admissions, surplus lines eligibility and market cessation applications 

Our team has been called upon to advise the New Jersey Life and Health Insurance Guaranty Association, the New Jersey Property-Liability Insurance Guaranty Association and the New Jersey Surplus Lines Insurance Guaranty Fund, as well as other quasi-state and governmental entities. We also draft proposed regulations and legislation, as members of our practice are New Jersey registered governmental affairs agents.