Meet Charles

Terry is the head of the First Party Coverage and Litigation Practice Group and has over 45 years’ experience as coverage and litigation counsel to major insurance companies and self-insureds. Terry was a Founder and Managing Partner of Rubin, Fiorella, Friedman & Mercante LLP prior to the merger of operations with GVK. 

Terry specializes in complex first party coverage investigations and litigation with emphasis on all forms of property damage involving commercial and residential property, arson, fraud, jewelers block, fine arts, personal property, business interruption and vehicle thefts/fires. Examples of his representations include: 

• Successful jury verdicts in arson and fraud cases. 
• Handled numerous extra contractual and punitive damage matters. 
• Conducted thousands of first party examinations under oath and coverage investigations. 
• Establish landmark law in New York with respect compliance with policy conditions involving production of records, examinations under oath, proofs of loss and insurable interest. 
• Assisted insurance companies and self-insureds in establishing Special Investigation Units. 
• Conducted seminars at industry functions in the US and London on all aspects of first party claims and procedures. 
• Appeared before Insurance Departments in every state in the US and testified before state legislators on insurance and related regulatory issues. 
• Resident partner in London for five years. 
• Lead attorney representing the New York State Insurance Department on all aspects of the reinsurance of Lloyd’s of London into Equitas. 
• Assisted insurance companies and self-insureds in responding to consumer complaints before Insurance Departments. 
• Represented major rental car companies on a national basis on insurance regulatory issues.
• Representation of London Underwriters in a program involving 200+ cases in the Virgin Islands and St. Croix. 

When not assisting clients, Terry enjoys spending time with his family as well as tennis and golf.

• Managing Partner of an international law firm with offices throughout the United States and London