Handling It Well: Claims Handling Updates Including California Fair Claims Settlement Practices Regulations (Presented by Troutman Pepper Locke)

Molly McGinnis Stine
Molly McGinnis Stine
Troutman Pepper Locke

Molly McGinnis Stine is counsel in the Chicago office of Troutman Pepper Locke, where her practice sits on the insurer side of the claims process. She has represented insurers in roughly 1,500 first- and third-party cybersecurity and privacy claims, supports insurers on professional liability, casualty, and first-party property and business interruption claims, and her work encompasses extra-contractual and bad-faith topics.

Jordan K. Jeffery
Jordan K. Jeffery
Troutman Pepper Locke

Jordan K. Jeffery is counsel in the Washington, D.C. office of Troutman Pepper Locke and a member of the firm's Insurance + Reinsurance Practice Group. His practice concentrates on complex, high-stakes litigation — insurance coverage disputes, bad faith litigation, and declaratory relief actions among them — in federal and state courts, arbitration, and mediation.

On-Demand: June 23, 2026
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Program Summary

 

From notice to settlement, every step of claims handling is regulated and the rules keep moving

Claims handling is no longer governed by yesterday's playbook. Recent years have produced developments in both regulatory law and case law shaping what insurers must do at every stage. California's Insurance Code and Fair Claims Settlement Practices Regulations set the most detailed requirements, and other states differ in ways that matter.

The obligations begin the moment a notice of claim arrives. Receipt triggers required activities. An obligation to investigate follows. Then comes the coverage determination — and each posture demands its own response. A claim may be covered and acceptable, covered in part and disputed in part, or present potential coverage issues. It may be denied in whole or in part, trigger a duty to defend, or arrive with a time-limited or policy limits demand.

This session walks through each stage with practical suggestions attendees can apply immediately. Attorneys leave with a working map of California's requirements, the key differences among states, and a claim-posture framework that runs from notice through settlement.

This course is co-sponsored with myLawCLE.

Key topics to be discussed:

  • California Claims Regulations
    The Insurance Code and Fair Claims Settlement Practices Regulations that govern an insurer's claims handling practices in California.
  • State-by-State Differences
    Where other states' claims-handling authorities diverge from California's requirements, and which differences change what insurers must do.
  • Recent Legal Developments
    Regulatory law and case-law developments of recent years affecting claims handling obligations.
  • Notice and Investigation Duties
    The activities required upon receipt of a notice of claim and the insurer's obligation to investigate.
  • Coverage Determinations
    How to handle each determination posture — covered and acceptable, covered in part and disputed in part, potential coverage issues, denial in whole or in part, and a triggered duty to defend.
  • Demands and Settlement
    Responding to time-limited and policy limits demands and carrying a claim through settlement, with practical suggestions for each stage.

Closed-captioning available

Speakers

Molly McGinnis Stine, Counsel | Troutman Pepper Locke

Molly McGinnis Stine is counsel in the Chicago office of Troutman Pepper Locke, where her practice sits on the insurer side of the claims process. She has represented insurers in roughly 1,500 first- and third-party cybersecurity and privacy claims, supports insurers on professional liability, casualty, and first-party property and business interruption claims, and her work encompasses extra-contractual and bad-faith topics. She also counsels insurers and reinsurers on policy wording across cyber, technology, media, data security, professional liability, directors and officers, errors and omissions, and financial liability lines.

  • Education & Credentials

Molly earned her J.D. from the University of Michigan Law School and her B.A. from Macalester College. She is admitted to practice in Illinois and before the U.S. District Court for the Northern District of Illinois.

  • Recognition & Leadership

Molly has been recognized by Best Lawyers in America® for Insurance Law (2023–2027) and was named a Notable Gen X Leader in Law by Crain’s Chicago Business (2022). She has served on the Law360 Cybersecurity and Privacy Editorial Advisory Board (2020, 2023). A frequently requested speaker and prolific writer on insurance topics, her engagements include “Bad Faith: The Long and the Short of It” (AIRROC, 2021), “Notable Professional Liability Insurance Decisions of 2025” (2026), the DRI 2025 Insurance Roundtable, and numerous Professional Liability Underwriting Society (PLUS) Cyber University programs.

  • Professional Involvement

Molly is a member of the American Bar Association. She serves on the board of trustees of Macalester College as trustee emeritus, is a past board president of the Macalester College Alumni Association, and is a past board member of Literacy Chicago.

  • Experience

Molly’s claims work runs the length of the claim: she advises insurers on incident and breach response, regulatory proceedings, business interruption and business income loss, errors and omissions, and professional liability matters, and she addresses extra-contractual and bad-faith issues that arise from them. Her first-party property and business interruption work includes hurricane, mining, cargo, and trucking claims, and she handles third-party liability and casualty claims, including catastrophic matters and bodily injury or property damage claims arising from latent environmental and occupational exposures. Her litigation experience spans jury and bench trials and appeals in jurisdictions throughout the U.S., and she regularly resolves disputes without adversarial proceedings by negotiating commercial
settlements. She also helps clients build cybersecurity and privacy risk management programs and vendor and incident-response practices.

 

Jordan K. Jeffery, Counsel | Troutman Pepper Locke

Jordan K. Jeffery is counsel in the Washington, D.C. office of Troutman Pepper Locke and a member of the firm’s Insurance + Reinsurance Practice Group. His practice concentrates on complex, high-stakes litigation — insurance coverage disputes, bad faith litigation, and declaratory relief actions among them — in federal and state courts, arbitration, and mediation. He routinely advises on policy interpretation and is often called on to evaluate coverage disputes, with deep experience in insurance disputes involving professional liability and environmental cleanup actions.

  • Education & Credentials

Jordan is admitted to practice in California and the District of Columbia. He earned his J.D. from the University of California, Los Angeles School of Law (2014), his M.A. from Columbia University (2011), and his B.A. from the University of California, Berkeley (2008). He served as a judicial extern to the California Second District Court of Appeal, and in law school was a member of UCLA’s Moot Court Honors Program, a managing editor of the UCLA Entertainment Law Review, and a finalist in UCLA’s Roscoe Pound Moot Court competition.

  • Recognition & Leadership

Jordan has been recognized by Best Lawyers in America®: Ones to Watch for Insurance Law (2024–2026). His speaking engagements include co-presenting “Notable Professional Liability Insurance Decisions of 2025” (2026) and “Notable Professional Liability Insurance Decisions of Last Year” (2024). His writing includes co-authoring “No Fishing Zone: Protecting Against Overly Broad Discovery in Insurance Bad Faith Actions” and the firm’s D&O and Professional Liability Year in Review series from 2018 through 2025.

  • Professional Involvement

Jordan’s pro bono work has included civil rights litigation, representation of survivors of domestic abuse, public records act disputes, preparation of amicus briefs for nonprofit organizations, and immigration matters. Before joining the firm, he was an associate attorney at a prominent international law firm.

  • Experience

Jordan served as counsel for an insurer in the trial of a declaratory relief claim and bad faith counterclaim in connection with a professional liability policy. He represented an insurer in coverage litigation over an environmental cleanup action, obtaining summary judgment when the court found the policy imposed a valid claims-made and reported requirement and that government information requests did not constitute claims against the insured. His matters also include a coverage dispute over $100 million of
environmental contamination liabilities, an arbitration over an agreement controlling ongoing defense and indemnity obligations for asbestos suits, and the negotiation, placement, and litigation of representations and warranties policies. He has supported clients through all stages of litigation, including trial and appeal, and has defended class actions alleging Telephone Consumer Protection Act violations and deceptive advertising of trip insurance.

Agenda

SESSION 1 – Handling It Well: Claims Handling Updates Including California Fair Claims Settlement Practices Regulations | 3:00pm – 4:00pm

The session will examine the state-level legal authorities affecting an insurer’s claims handling practices, including discussion of California’s requirements. It will spotlight certain differences among the states. Developments in recent years will be featured, encompassing both regulatory law and case law. Practical suggestions for attendees will also be provided.