Molly McGinnis Stine works with clients throughout the United States, England, Germany and elsewhere. She is part of the Firm’s Insurance: Litigation and Counseling practice group. She also is a member of the Steering Committee of the firm’s Privacy & Cybersecurity practice group, its Incident Response Team, and its New York Department of Financial Services (NYDFS) and California Consumer Privacy Act (CCPA) initiatives.
Insurance Policy Wording and Coverage Experience
Clients engage Molly's services for consideration of insurance policy wordings and potential exposures of existing or proposed insurance products.
She also represents insurers and reinsurers with their claims, providing coverage analysis for both litigated and non-litigated matters. Her experience has involved cyber, technology, media, data security, professional liability, directors and officers, errors and omissions, and financial liability claims arising out of a number of different legal theories and factual situations.
She has also dealt with third party liability and casualty claims including those involving catastrophic situations and those alleging bodily injury or property damage arising from long-time or latent environmental, occupational and other exposures. She has addressed first party property damage and business interruption claims including hurricane, mining, cargo and trucking matters. In addition, her work has involved extracontractual and bad faith topics.
The matters in litigation have involved a wide variety of organizations and industries facing financial exposures of all sizes in jurisdictions throughout the United States. Her experience includes jury and bench trials and matters on appeal.
Molly recognizes that not every matter should proceed to court or arbitration. She has regularly worked to resolve possible disputes without adversarial proceedings and to negotiate commercial settlements.
Cybersecurity and Privacy Experience – Insurance Policy Wording and Coverage Work
In particular, Molly focuses representing insurers and reinsurers in respect of cyber, technology, media, data security, professional liability, directors and officers, errors and omissions, and financial liability policies. She has provided legal advice to insurers developing or revising policy wording. She has also represented insurers in hundreds of first-party and third-party claims arising out of a number of different policy wordings, legal theories and factual situations. She frequently works with, for example, claims concerning incident and breach response, cybersecurity and privacy liability, regulatory proceedings, ransomware, malware, extortion, business email compromise, wire transfer fraud, business interruption or business income loss, data or system restoration or replacement costs, errors and omissions liability, and advertising, website or media content liability.
Cybersecurity and Privacy Experience – Risk Management Work
Molly also works with clients to create and implement programs and procedures for cybersecurity and privacy risk management, address regulatory and contractual requirements, engage in solid practices for third party service provider and vendor relationships, and bolster incident preparedness and response readiness.
Molly is a frequently requested speaker and a prolific writer on cybersecurity, privacy and insurance topics.
Professional Affiliations and Recognitions
- Member, Law360 Cybersecurity & Privacy Editorial Advisory Board
- Member, American Bar Association
- Past President, Macalester College Alumni Association
- Board of Trustees, Trustee Emeritus, Macalester College
- Past Board Member, Literacy Chicago