Lorraine M. Armenti
Partnerlarmenti@coughlinduffy.com 350 Mount Kemble Avenue
P.O. Box 1917
Morristown, NJ 07962
Direct (973) 631-6008
Fax (973) 267-6442
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.
- Seton Hall University-School of Law (J.D. 1982) (graduated top 10% of class)
- Montclair State University (B.A. 1977) (Summa Cum Laude)
- State of New Jersey (1982)
- State of Colorado (1991)
- State of New York (2012)
- United States District Court for the District of New Jersey (1982)
- United States District Court for the District of Colorado (1991)
- State of New York, Supreme Court, Appellate Division, Third Judicial Department
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.
- March 2, 2017 Connecticut Appellate Court Issues Wide-Ranging And Mixed Decision Regarding Asbestos Insurance Coverage
March 2, 2017
In a wide-ranging and detailed opinion spanning more than 200 pages, the Connecticut Appellate Court addressed a multitude of issues...
- November 28, 2016 New Jersey’s Appellate Division Rejects Exception to the “No Direct Action Rule” for Declaratory Judgment Claims
November 28, 2016
In an issue of first impression, a unanimous panel of the Superior Court of New Jersey, Appellate Division, held that...
- November 22, 2016 The Evolution of Cyber Coverage Law: A Survey of Critical Decisions and the Market's Response
November 22, 2016
- September 2, 2016 New York Appellate Division Holds Policyholder Responsible for Periods When Insurance Was Unavailable, Rejecting Stonewall Ins. Co. v. Asbestos Claims Management Corp., 73 F.3d 1178 (2nd Cir. 1995).
September 2, 2016
In a major departure from New York Law as predicted by the Second Circuit, The New York Appellate Division (1st...
- June 13, 2016 New Jersey Appellate Division Affirms Allocation to Insured for Pre-December 2004 Insolvencies
June 13, 2016
The New Jersey Appellate Division has held that in long-tail allocation cases, the policyholder remains responsible for amounts allocable to...
- February 17, 2016 Prejudice Not Required For New Jersey Late Notice Defense Under Claims-Made Policies
February 17, 2016
On February 11, 2016, the New Jersey Supreme Court held that an insurer is not obligated to establish prejudice when...
- January 12, 2016 N.J. Appellate Division Holds Insureds Remain Responsible for Sums Allocable to Insurers Who Became Insolvent Prior to December 22, 2004
January 12, 2016
On January 12, 2016, the New Jersey Appellate Division ruled that an insured is responsible for sums otherwise allocable to...
- August 13, 2014 Recent Developments in the Use of the Attorney-Client Privilege and Work Product Immunity to Shield Investigative Materials from Discovery in New York
August 13, 2014
An appellate-level state court in New York recently examined the applicability of the attorney-client privilege and work product immunity in...
- April 2, 2014 Connecticut Case of First Impression Affirms Exhaustion Under Cost Share Agreement and Holds Insured Responsible for Gaps in Coverage and Insolvencies
April 2, 2014
Following a 14 day bench trial, on March 28, 2014, a Connecticut trial court issued a decision which significantly impacts...
- February 26, 2014 An Overview of Key New Jersey Decisions: (1) Insurer Insolvency in Long Tail Claims; and (2) Insurance Coverage issues involving Sexual Molestation Claims
February 26, 2014
A discussion of recent New Jersey case law dealing with the treatment of insolvent insurers in the allocation of defense...
- November 19, 2013 New Jersey Superior Court Clarifies Limitation To The Farmers Mutual Decision and The Applicability of the 2004 Amendment to the PLIGA Act
November 19, 2013
On November 13, 2013, in Ward Sand & Materials Co. v. Transamerica Ins. Co., et als. (CAM-L-4130-09), Judge Robert G....
- September 24, 2013 New Jersey Supreme Court Requires Exhaustion of All Other Applicable Insurance Before N.J. Property-Liability Guaranty Association Pays Statutory Benefits For An Insolvent Insurer’s Long-Tail Claims
September 24, 2013
On September 24, 2013, in Farmers Mutual Fire Ins. Co. of Salem v. NJPLIGA, ** N.J. ***, 2013 N.J. LEXIS...
"The Ins, Outs and Unpredictability of the Attorney-Client Privilege and Work Product Doctrine in theClaim 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
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
- When The Call To The Bullpen Came, Coughlin Duffy Was Able To Close The Deal
Our insurance company client was mired in a decade long litigation in a multi-site, multi-million dollar lawsuit seeking coverage for...
- Coughlin Duffy Trial Team Obtains Favorable Results
In an insurance coverage action arising from asbestos-related bodily injury actions, Coughlin Duffy attorneys secured favorable decisions, both on summary...