Ann Terrell Dorsett Counsel

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Ann’s practice focuses on insurance, including insurance coverage litigation, claims counseling and litigation management. She provides counseling on risk management techniques and strategies to a wide range of clients including private equity firms, financial services companies, colleges and universities, and manufacturing companies.

She has assisted clients in the review and assessment of insurance programs both prior to and after a merger or acquisition, including the use of Representation and Warranty insurance; insurance policies for Directors & Officers’ liability, and the use and formation of captive insurance companies.

Ann has represented clients in multiparty litigation concerning insurance coverage for environmental liabilities, mass tort actions and construction defect issues. Her breadth of experience includes advice to clients at the initial presentation of the claim, representation at trial, and appellate practice.

Ann reviews and evaluates bonding requirements and sources on behalf of our clients. This work includes analysis of the terms and conditions of surety bonds (both payment and performance bonds) and requests for assignment of bond proceeds made by lenders and governmental entities. Representative clients include municipalities, counties, hospitals and developers, as well as lenders on multi-million dollar construction projects.

In addition to counselling policyholders, Ann assists financial services clients who engage in insurance broker or agent activities. The scope of this work includes advice on compliance with state and federal insurance regulations, developing best practices to ensure compliance, and review of vendor contracts.


  • Counsel to national financial services client regarding compliance of shared-limits insurance program with state insurance regulations.
  • Litigation counsel on behalf of REIT in insurance recovery litigation arising out of property damage claims. Attained successful settlement.
  • Provided insurance coverage advice regarding Errors & Omissions coverage to a bankruptcy receiver.
  • Representation of REIT in claims negotiations with insurers for property damage and liability claims.
  • Counsel to lender in large syndicated finance deal in negotiations with borrower’s insurance broker.
  • Management of 30-person review team to review electronic data on behalf of manufacturing company in response to government investigation.
  • Representation of hospital services client in applying a single self-insured retention to a lawsuit arising from exposure to chemicals. Attained successful settlement.
  • Representation of manufacturer against indemnification claims brought by predecessor company’s workers compensation carrier. Obtained a dismissal based on terms of the asset purchase agreement.
  • Representation of franchisor in obtaining status as an additional insured under franchisee’s liability policy for suit alleging bodily injury.
  • Counsel to national financial services client regarding changes in fidelity bond coverage.