AI Is Rewriting Insurance Law: Policyholder and Insurer Perspectives on Risk, Compliance, and Litigation

Robert M. Horkovich, Managing Shareholder | Anderson Kill P.C.

Robert M. Horkovich is the Firm Managing Shareholder of Anderson Kill P.C., based in the firm’s New York office. A trial lawyer with substantial experience in trying complex insurance coverage actions on behalf of corporate policyholders and governmental entities, Mr. Horkovich has obtained over $8 billion in settlements and judgments from insurance companies for his clients. His victories include one of the top 10 jury verdicts in the United States, the top insurance recovery jury verdict in the United States, seven landmark state Supreme Court decisions, eight jury verdicts, and nine bench trial decisions in favor of the policyholder. He is also a member of Anderson Kill’s White Collar Defense Group, with extensive experience in antitrust matters, criminal codes, and the recovery of stolen assets.

• Education & Credentials

Mr. Horkovich earned his Juris Doctor from Fordham University School of Law and his Bachelor of Science from Fordham University. He is admitted to practice in New York and Maryland, and before the United States District Courts for the Southern District of New York, Eastern District of New York, and District of Maryland; the United States Courts of Appeals for the Second, Third, Fifth, Ninth, and Tenth Circuits; the United States Court of Military Appeals; and the Supreme Court of the United States.

• Recognition & Leadership

Mr. Horkovich has been recognized by Chambers USA as a leading insurance recovery attorney every year since 2005, and in 2025 was named to Benchmark Litigation’s Hall of Fame. He was named Benchmark Litigation Insurance Lawyer of the Year in 2020 and Insurance Litigator of the Year Finalist in 2024, and has been a Benchmark Litigation National Litigation Star since 2013. Additional honors include Best Lawyers (since 2009), Super Lawyers Insurance Coverage (since 2006), The Legal 500 United States (since 2006) and Hall of Fame (2020), Law360 MVP in Insurance (2012, 2018), Law360 Titan of the Plaintiff Bar (2014), Lexis/Nexis Policyholder Lawyer of the Year (2009), and Martindale Hubbell AV Preeminent Peer Review.

• Professional Involvement

Mr. Horkovich was selected as a Fellow of the American Bar Foundation, an honor limited to one-third of the top one percent of U.S. attorneys. He is a member of the New York and Maryland American Bar Associations, serving on the Sections on Litigation and Tort and Insurance Practice. He served as a Captain in the USAF JAG Corp., where he was a Special Assistant U.S. Attorney prosecuting more than 200 cases, and was awarded the Meritorious Service Medal and Air Force Commendation Medal, as well as Outstanding Company Grade Officer of the Year at Bolling Air Force Base. He also served as a Special Assistant District Attorney for Manhattan, successfully arguing People v. Octavio Peck before the New York Court of Appeals on an issue of constitutional law of first impression, and previously served on the staff of U.S. Senator James L. Buckley.

• Experience

Mr. Horkovich has served as general insurance counsel to the United Nations and as lead trial counsel for the State of California in its suit against dozens of insurance companies over coverage for cleanup of the Stringfellow Acid Pits, recovering $172 million in indemnity, $60 million in defense costs, and $14 million in pre-judgment interest, alongside two landmark California Supreme Court decisions. He won a $188,793,014 jury verdict for Fuller-Austin against Lloyd’s and other insurance companies in an asbestos coverage case, secured two Washington Supreme Court decisions for Weyerhaeuser, two Rhode Island Supreme Court decisions for Textron, and led AT&T’s environmental insurance recovery against CNA for a $300 million Pennsylvania site. He has also represented The Port Authority of New York and New Jersey, San Diego Unified Port District, General Electric, Thiokol, Waste Management, Alcatel-Lucent, Garmin, SCI, Clorox (First Brands), Saks Fifth Avenue, NYU, Princeton University, United Bank, Spalding, Cascade, Tektronix, Maidenform, Bijan, and Evander Holyfield. In asbestos insurance recoveries, he represents the Trusts in the Kaiser-Gypsum, W.R. Grace, Owens Corning, Congoleum, Fuller-Austin, Swan Transportation (Tyler Pipe), and Asarco cases, and represented the Asbestos Claimants’ Committee in the Federal Mogul, PPG/Pittsburgh Corning, and A.P. Green (GIT) bankruptcies. He also participated in drafting the environmental insurance coverage regulations for the State of Washington (WAC 284-30-920), the first such regulations adopted in the country.

Karin S. Aldama, Shareholder | Gallagher & Kennedy

Karin S. Aldama is a Shareholder at Gallagher & Kennedy in Phoenix, Arizona, where she helps corporate clients and governmental entities find insurance programs that meet their needs and assists them in obtaining the coverage to which their policies entitle them. Her clients range from mid-size to Fortune 500 companies operating in industries including hospitality, finance, utilities, aerospace, and semiconductors. Karin has represented policyholders in complex insurance coverage matters involving environmental, director and officer, professional and general liability, cyber, property, and business interruption policies, and has prevailed in successful London arbitrations under the Bermuda Form. She also has significant experience with complex commercial and appellate litigation, manages privilege law issues including in the international and cross-border context, and represents clients in alternative dispute resolution with an emphasis on international and domestic arbitration. Before joining Gallagher & Kennedy, Karin worked for 20 years at an AmLaw 50 firm and four years at a multi-national D.C.-based firm.

• Education & Credentials

Karin earned her J.D., summa cum laude, from Georgetown University in 2000, where she was elected to the Order of the Coif. She received her B.A. in Business Administration and Management, with honors, from National Louis University in 1992. She is admitted to practice in Arizona and before the U.S. Supreme Court, the U.S. Courts of Appeals for the Ninth and Tenth Circuits, and the U.S. District Courts for the District of Arizona and the District of Columbia. She served as a judicial law clerk to the Hon. Frank Schwelb of the U.S. Court of Appeals for the District of Columbia Circuit, and held an academic appointment as Adjunct Professor of U.S. Legal Discourse at Georgetown University Law Center from 2000 to 2001. Karin speaks German, French, and Italian.

• Recognition & Leadership

Karin has been recognized in Chambers USA for Insurance from 2021 through 2025 and is a Fellow of the American College of Coverage Counsel, the Foundation of the American Bar Association, and the Foundation of the Federal Bar Association. She was named a Higginbotham Diversity Fellow by the American Arbitration Association in 2013. Within the Arizona Women Lawyers Association (Statewide), she has served on the Board of Directors since 2016, as Vice President in 2026, as Treasurer in 2025, and on the Gender Equity Committee in 2015–2016 and 2022. In the Maricopa County Chapter, she has served on the Steering Committee since 2011, as Co-Chair of the Mothers’ Forum from 2020 to 2023, as President from 2019 to 2020, as Treasurer and Member of the Executive Committee from 2016 to 2019, and on the Leadership Appointments and Professional Development Committees in earlier years.

• Professional Involvement

Karin is a member of Treffpunkt, the German-American Business Group. Within the American Bar Association’s Insurance Coverage Litigation Committee, she has served as Co-Managing Editor of Coverage Journal from 2019 to present, Policyholder Co-Chair of the Energy & Environment Subcommittee in 2019 and 2022–2023, Policyholder Co-Chair of the International/London Subcommittee from 2016 to 2019, and a member of the Women in Insurance Subcommittee since 2014, including Co-Chair from 2015 to 2016. With the Federal Bar Association, she served as Phoenix Chapter President from 2009 to 2010, as an Officer from 2005 to 2009, and as a Board Member from 2005 to 2012. Her community involvement includes service on the Board of Directors of the Florence Immigration Project (2025) and Act One (2017–2019, Treasurer in 2019), the Greater Phoenix Chamber of Commerce Public Affairs Committee and Insurance and Health Care Issue Committee (2016–2019), the Arizona Technology Council Cyber Security Committee (2017–2019), and the Herberger Theater Center Board of Directors (2011–2017, Vice Chair 2015–2016).

• Experience

Karin conducts policy audits, assists in the policy-renewal process by conducting detailed reviews of proposed policies, reviews policies for potential coverage in cases of loss, assists clients in navigating the claim process, and serves as counsel in coverage litigation when necessary. She represented the nation’s largest public utility in securing insurance coverage for cleanup costs associated with the largest coal ash spill in U.S. history, recovering over $300 million from liability insurers through settlements and complete victories in two multi-week London arbitrations against Bermuda-based excess liability insurers. She represents a successor trust in complex coverage litigation relating to claims under liability policies that survived a financial institution’s bankruptcy, and has advised a township on construction-related insurance issues, a hospitality company on property, business interruption, and environmental issues relating to hurricane damage, a clinic on coverage issues arising out of a facility accident, and a multinational media and entertainment group on coverage-related issues arising out of a production accident. Her commercial litigation experience includes representing a leading online real estate portal in trade secrets litigation, a nutraceutical company in trademark and contract disputes, semiconductor companies in patent, antitrust, and joint-development disputes, and an international mining company in FCPA-related litigation. Her appellate experience includes representations before the U.S. Courts of Appeals for the Fourth and Ninth Circuits and the Board of Immigration Appeals, including obtaining the vacation of recall and restitution provisions of a preliminary injunction in a Ninth Circuit trademark infringement case. She has also handled extensive pro bono work, including immigration and asylum representations, federal court appeals, and reproductive rights litigation, and assists Holocaust survivors in obtaining pension and reparation payments from the German government.

SESSION 1 – The Use of AI by the Insurance Industry | 1:00pm – 2:00pm

Attorneys will examine how insurers deploy AI in underwriting and claims handling, what policyholders need to know before claims are filed, and what information to seek after computer programs deny claims.

BREAK | 2:00pm – 2:10pm

SESSION 2 – AI Insurance Regulation: Compliance and Litigation Risks | 2:10pm – 3:10pm

Attorneys will analyze current AI regulations affecting insurers and insureds, including the California CCPA, Colorado SB 24-205, Executive Order 14635, GDPR Article 22, the NAIC bulletin, and key coverage litigation considerations.