Elizabeth Tosaris

Elizabeth Tosaris has more than 30 years of insurance regulatory and insurance litigation experience. Her clients include a wide variety of insurers, HMOs, insurance producers, and other entities regulated by Departments of Insurance and similar government agencies. Elizabeth regularly advises clients on achieving compliance with insurance statutes and regulations, implementing claims and underwriting procedures and developing marketing strategies. Elizabeth also advises clients in connection with major transactions, such as mergers and acquisitions of insurers as well as securities issuance.

Elizabeth’s experience includes:

• Experienced with license applications, applications to withdraw from business, holding company and other transactional matters
• Worked with insurers on rate filings and administrative challenges to rates
• Advised clients on issues related to cybersecurity and privacy, including various notice, disclosure and other compliance obligations imposed by the California Consumer Privacy Act of 2018‎
• Assisted companies with marketing and sales using technologically innovative methods as well as other insurtech-related issues

Elizabeth has particular experience in responding to market conduct examinations including resolving issues arising out of those exams.

• Regularly advises major insurers who are the target of multi-state market conduct exams
• Litigated matters at trial and in administrative hearings brought by the California Department of Insurance

Another area of Elizabeth’s practice involves assisting insurers in preparing responses to subpoenas and other investigatory demands from state agencies. In addition, she has worked with insurers in preparing responses to data requests and other special reporting events called by state regulators and attorneys general.