Lorraine M. Armenti


(973) 631-6008
350 Mount Kemble Avenue
P.O. Box 1917
Morristown, NJ 07962

Lorraine M. Armenti is a Partner and Co-Practice Group Leader in the Firm’s Insurance and Reinsurance Services Group.

Her practice focuses on the representation of domestic insurers in complex insurance coverage matters with an emphasis on long tail claims, including asbestos and pollution claims. Lorraine joined Coughlin Duffy as a partner upon its inception in March 2004.  Most recently, Lorraine completed a three-week asbestos coverage trial in Connecticut, with a successful outcome on allocation and exhaustion issues.

Prior to joining Coughlin Duffy, Lorraine was a partner in the firm of McElroy, Deutsch & Mulvaney, where her practice concentrated in the management of complex coverage litigation across the United States, and she served as national counsel for a large, domestic insurance company.  While at McElroy, Deutsch & Mulvaney, Lorraine opened the firm’s Colorado office, where she continued to litigate complex insurance coverage matters in the western region of the United States while managing the Colorado office.

Lorraine has represented insurers in coverage matters involving underlying environmental, asbestos, product recall, and toxic tort issues.  She has been involved in trials and mediations on coverage issues throughout the United States.


  • Chenault v. Victory Highlands Condo. Ass’n, No. A-3626-14T4 (N.J. Super. App. Div. Nov. 21, 2016) (per curiam) (holding, in an interlocutory appeal, that the common law prohibition on direct actions against insurers applies without exception to a claim seeking declaratory relief).

  • Obtained a favorable ruling for a primary and umbrella insurer in an asbestos coverage case, after a 16-day bench trial in Waterbury, Connecticut. (May/June 2013)

  • Mediated to successful resolution numerous coverage cases involving asbestos and product recall liabilities.

  • Represented an international insurer in connection with one of the largest mining coverage cases litigated in the state of Colorado.



Speaking Engagements

"The Ins, Outs and Unpredictability of the Attorney-Client Privilege and  Work Product Doctrine in the Claim Handling Process". November 19, 2015, The India House, New York, New York. Presenter/Speaker

“Big, Midsize and Small: Understanding Private Law Firm Practice, Fall 2013. Panelist, Seton Hall Law School

“The Challenges of Navigating Additional Insured Coverage and Contractual Indemnity Claims”, October 29, 2013, presented to insurance company client claims group, New York City, New York. Presenter/Speaker

“The Challenges of Navigating Additional Insured Coverage and Contractual Indemnity Claims”, November 20, 2013, presented to firm-wide client group, The Westin Jersey City Newport, Jersey City, New Jersey. Panelist/Speaker

“Recent Developments in New Jersey Law:  Farmers Mutual and Potomac”, February 26, 2014 presented to client CLU Team Meeting, Charlotte, North Carolina. Presenter/Speaker

Publications and Presentations

Armenti, Lorraine A. and Cantarutti, Steven D., "The Evolution of Cyber Coverage Law: A Survey of Critical Decisions and the Market's Response," American Bar Association, Insurance Coverage Litigation Committee, Coverage Journal Fall 2016, November 21, 2016.

Lorraine M. Armenti & Christopher S. Franges (2016): New Jersey Appellate Division Affirms Allocation to Insured for Pre-December 2004 Insolvencies, Environmental Claims Journal, DOI: 10.1080/10406026.2106.1192901 

“Just When You Thought You Understood New Jersey Allocation Law:  Implications, Limitations and Complications in Applying Farmers Mutual Fire Insurance Co. of Salem v. New Jersey Property-Liability Ins. Guar. Assn., Environmental Claims Journal, Vol. 26, Number 3, Armenti, L. and Franges, C. (July-September 2014) Co-Author

“Scope of Coverage” – “The Handbook on Additional Insureds”, ABA Publication, Armenti, L. and Smith, A. (2012)  Co-author

Awards and Honors

Listed in Super Lawyers, Insurance Coverage (2012)

Richard J. Hughes Award for Excellence in Civil Pracitce

Community Service

Eva’s Village – Paterson, New Jersey

Meadowlands Chamber of Commerce – Volunteer Effort, Secaucus, NJ


Member, ABA Section of Environment, Energy and Resources

Member, New Jersey State Bar Association

Member, Essex County Bar Association

Member, New Jersey Women Lawyers Association