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Hunton Andrews Kurth LLP

Lorelie S. Masters

Lorelie S. Masters



  • Insurance Coverage
  • Litigation
  • SAFETY Act
  • Cross-Border Insurance Coverage

WSG Practice Industries



A nationally recognized insurance coverage litigator, Lorie handles all aspects of complex, commercial litigation and arbitration.

Lorie has advised clients on a wide range of liability coverages, including insurance for environmental, employment, directors and officers, fiduciary, property damage, cyber, and other liabilities. She also handles various types of first-party property insurance claims, including claims under boiler and machinery, business-interruption, contingent business-interruption, extra expense, disability and other related coverages.

Lorie has handled and tried cases in state and federal trial and appellate courts across the country and in arbitrations in the United States and abroad. At issue in these cases typically have been millions of dollars of insurance coverage for products and environmental liability, silicone gel breast implant claims, and other types of liability. Most recently, she has obtained multi-million dollar settlements under D&O, Side-A Only D&O and E&O policies. She served as lead trial counsel for policyholder in an action enforcing CGL insurance coverage for the then-largest property damage class action settlement ever. The National Law Journal called that jury’s verdict one of the “most significant jury verdicts” of the year. She has also handled many other matters in litigation, arbitration, and settlement negotiations, recovering, collectively, billions of dollars for her clients. She has handled high-stakes insurance issues for individuals, enforcing disability, health and property insurance.

Lorie is co-author of Insurance Coverage Litigation, an in-depth legal treatise first published by Aspen Law & Business in 1997 and updated annually. She co-authored a second book, entitled Liability Insurance in International Arbitration: The Bermuda Form, which won the 2012 Book Prize from the British Insurance Law Association for “outstanding contributions to the literature on insurance,” and is recognized as the seminal work on the issue of Bermuda Form arbitration. She was invited in 2010 to serve as an Adviser to the American Law Institute’s (“ALI”) RESTATEMENT OF THE LAW, LIABILITY INSURANCE, and served in that capacity until the ALI’s final approval of the RESTATEMENT in May 2018.

A partner in the insurance coverage practice, Lorie’s clients say she “is very good at explaining complicated issues, and then distilling them for commercial use,” according to Chambers USA 2016, which ranks her in the upper echelons of her practice nationwide. She also was named a Top Ten Super Lawyer in DC for 2014 and 2015, among other recognitions.

Lorie writes and speaks extensively on insurance coverage, technology, and litigation. In addition to her legal practice, she is active in diversity and inclusion matters and has represented many individuals and groups pro bono, including policyholders denied health care coverage and victims of human trafficking. In 2007, she obtained one of the first money judgments in the country under the Trafficking Victims Protection Act, after a trial in the federal court in the District of Columbia.

Lorie currently serves on the Board of Governors of the American Bar Association (ABA) and, from 2016-2018, as Treasurer of the DC Bar Foundation, the largest funder of legal services in the DC area. She is very proud of her service in 2007-2008 as President of the Women’s Bar Association of the District of Columbia (“WBA”) and her role in helping to organize the WBA’s centennial celebrations in 2016-2017. She helped to found the American College of Coverage Counsel and served as its second President in 2013-2014. She served as national Policyholder Chair of the Insurance Coverage Litigation Committee of the ABA Section of Litigation, 2000-2003. From 2006-2009, she served on the District of Columbia Court of Appeals.

Lorie is admitted to practice in the US Supreme Court, US Court of Appeals for the District of Columbia Circuit, US Court of Appeals for the Fourth Circuit, US District Court for the District of Columbia, US District Court for the District of Maryland, US District Court for the Eastern District of Michigan, US District Court for the Southern District of New York, the US District Court for the Northern District of Ohio, the US District Court for the Southern District of Ohio, and the US District Court for the Eastern District of Texas. She ran for attorney general in the District of Columbia’s first-ever election for that position in 2014.

Relevant Experience

  • Advised on and litigated COVID-19 insurance recovery claims related to business interruption and other related policies.
  • Represents large and small companies, trade associations and individuals seeking to enforce their insurance coverage. Lead trial counsel for a major chemical company in a coverage case resulting in a jury verdict named by The National Law Journal as one of the most significant of 1997.
  • Served as lead counsel in numerous matters obtaining millions of dollars in recoveries in environmental coverage cases and has succeeded in helping clients find millions of dollars in “lost insurance” policy assets.
  • Served as lead counsel in a case awarding full policy limits, plus attorney fees and interest, to the policyholder under a contract requiring arbitration in London, obtaining what at that time (2003) was the largest award ever in a Bermuda Form arbitration.
  • Served as lead trial counsel in court litigations and arbitrations both in the US and internationally enforcing insurance coverage for asbestos bodily injury and property liability; CERCLA; groundwater and other alleged environmental contamination; silicone gel breast implant claims; polybutylene plumbing and other products liability claims; employment liability; and property and business-interruption losses.
  • Advises directors, officers, executives and companies on Directors and Officers and Fiduciary Liability insurance programs, claims and governance issues, including issues related to Side A-Only and DIC policies.
  • Enforces coverage for high-value personal lines insurance claims, including disability, property, umbrella and health insurance claims.


AB, Georgetown University, cum laude, 1977
Areas of Practice

Cross-Border Insurance Coverage | Insurance Coverage | Litigation | SAFETY Act | Transactional Insurance


Year in Review: Top Insurance Cases of 2020
Hunton Andrews Kurth LLP, January 2021

Not surprisingly, COVID-19 business interruption insurance disputes dominated media headlines for most of 2020. Nonetheless, there were a number of other insurance rulings that will undoubtedly shape the coverage landscape. Policyholders enjoyed a number of significant wins including significant victories related to COVID-19 business interruption cases. The start of a new year gives us an opportunity to highlight some of 2020’s most notable coverage decisions...

Hunton Insurance Recovery Blog: Updates, Analysis and Breaking News for Commercial Policyholders
Hunton Andrews Kurth LLP, December 2020

This Client Alert is a monthly update on insurance recovery developments as posted on the Hunton Insurance Recovery Blog. If you would like to receive email alerts when new posts are published, please visit our blog and enter your email address in the subscribe field...

Hunton Insurance Recovery Blog: Updates, Analysis and Breaking News for Commercial Policyholders
Hunton Andrews Kurth LLP, November 2020

The top three most read articles for the month were:  Policyholders Pump Out Another COVID-19 Litigation VictoryA Pennsylvania trial court denied an insurer’s early attempt to lunge out of coverage for COVID-19 business interruption losses suffered by a fitness center, stating it would be premature for the court to resolve factual determinations the insurer raised in its demurrer. Ridley Park Fitness, LLC v. Philadelphia Indemnity Insurance Co., No...

Additional Articles

  • With the EU’s Data Protection Regulation Quickly Approaching, Policyholders Should Act Now to Maximize Insurance Coverage for Its Potentially Staggering Liabilities, SA Financial Regulation Journal
  • Risk Landscape: Coverage Trends to Watch, Risk Management Monitor
  • Examining the Restatement of the Law, Liability Insurance, Risk Management Magazine
  • Understanding Coverage Options for Cyber Threats, ABA Banking Journal
  • How Retailers Can Protect Themselves Against Mobile Payments Risks, Internet Retailer
  • The Bermuda Form and Arbitration of Disputes in London, ABA Dispute Resolution Journal (DRJ), Vol. 73, No. 1
  • Calif. Ruling Creates Uncertainty For Long-Tail Claims, Law360
  • Rethinking Insurance Coverage for Autonomous Vehicles, ABA SciTech Lawyer Magazine
  • Optimizing Antitrust Coverage in Private Company D&O Policies, Marsh Newsletter
  • Blockchain: Tapping Its Potential and Insuring Against Its Risks, ABA Business Law Today
  • A Deeper Dive into the Test Case Decision by the English High Court - An analysis of the Test Case, including potential impacts of the ruling, ongoing negotiations, and potential appeal, Law.com
  • Maximizing Insurance Coverage for Concussion Injury Claims, Risk Management Magazine
  • Security Alert: So You Think You Are Fully Insured? Think About Cyber Breaches And Then Think Again
  • Key Questions for Financial Institutions Seeking to Maximize Insurance for “Cyber” Risks, FC&S Legal
  • Year in Review: Notable Insurance Coverage Developments of 2017!, Thomson Reuters Westlaw® 
  • “Plain Meaning” and the Meaning of “Plain”: Section 3 of the Restatement of the Law, Liability Insurance, The Brief
  • After SARS, insurers changed policies covering businesses, The Washington Post
  • Insurance coverage for claims stemming from the national opioid crisis, PropertyCasualty360.com
  • With the EU’s Global Data Protection Regulation Quickly Approaching, Policyholders Should Act Now to Maximize Insurance Coverage for Its Potentially Staggering Liabilities, SA Financial Regulation Journal
  • A Deeper Dive into the Test Case Decision by the English High Court — An analysis of the Test Case, including potential impacts of the ruling, ongoing negotiations, and potential appeals, Coverage Law Center
  • Will Insurers Invoke the “War Exclusion” to Deny Coverage for Losses from Ransomware?, ACCC
  • Protect Your Insurance Recovery After California Fires, Law360
  • Practitioner Insights: Coal Ash Poses Slew of Coverage Issues, Bloomberg BNA
  • Cybersecurity Insurance – Mitigating Compliance Risk Under the DFARS and Other Federal Regulations, Contract Management
  • Setting the Correct Prism for Construing Policy Language in COVID-19 Business Interruption Cases Can Be Outcome Determinative, National Law Review
  • COVID-19 Business Interruption Coverage: A Policyholder's Perspective, The Record
  • D&O Insurance Issues Arising from the COVID-19 Crisis, The D & O Diary
  • The New Bermuda Triangle: Arbitration of Coverage Disputes Under the Bermuda Form, American College of Coverage Counsel Member News Article of the Month


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Updates, Analysis and Breaking News for Commercial Policyholders

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