Fred Garsson is a Partner at Saul Ewing and the Co-Chair of the firm’s Insurance Practice Group. He is a seasoned insurance and reinsurance regulatory attorney who concentrates his practice on advising insurance industry clients on matters involving U.S. federal and state insurance laws (focusing on New York) and sophisticated national and international regulatory matters.

Mr. Garsson has vast experience representing life, health, long-term care, and property/casualty insurers, reinsurers and insurance producers in corporate and regulatory matters, including holding company transactions compliance, reinsurance and assumption transactions, organizing and licensing of insurance companies, insurance producers, reinsurance intermediaries and independent insurance adjusters. He also has experience drafting and analyzing insurance policies, annuity contracts, reinsurance agreements and other complex contracts, including agency and brokerage agreements.

In addition, Mr. Garsson has represented clients in connection with the regulatory aspects of sales and mergers and acquisitions of insurance and reinsurance companies. He has also represented clients before numerous state insurance agencies, and advises insurance industry clients with respect to corporate and insurance regulatory and compliance matters. Such matters include rebating, transacting an unauthorized insurance business, aiding unauthorized insurers, statutory accounting issues regarding obtaining financial statement credit for unauthorized ceded reinsurance, financial condition and market conduct examinations, the permissibility of insurance company investments, policy cancellation and non-renewal requirements, stock redemptions, quasi-reorganizations, demutualizations, forming purchasing groups and captive insurers, piercing the corporate veil, declaring and paying policy and corporate dividends, Regulation XXX securitizations and life settlements securitizations. Mr. Garsson also handles matters related to InsurTech, including advising insurance companies on regulatory and transactional issues involved in adopting new technologies.

In addition to his New York and New Jersey bar admissions, Mr. Garsson is admitted to practice before the U.S. District Court for the District of New Jersey. He received his J.D. from Brooklyn Law School, 1993, cum laude and a B.A. from Rutgers University, 1987.