AI Is Rewriting Insurance Law: Policyholder and Insurer Perspectives on Risk, Compliance, and Litigation

Karin earned her J.D. summa cum laude from Georgetown University Law Center in 2000, where she was elected to the Order of the Coif, and holds a B.A. with honors in Business Administration and Management from National Louis University (1992). She clerked for the Hon. Frank Schwelb. She is admitted in Arizona (2005) and before the Supreme Court of the United States (2008), the Ninth Circuit (2006), the Tenth Circuit (2002), the District of Arizona (2005), and the District of Columbia (2001). She practices in German, French, and Italian in addition to English.

Karin is a Fellow of the American College of Coverage Counsel and has been ranked by Chambers USA in Insurance from 2021 through 2026, where a client comment records simply: “Karin is excellent.” She is a Fellow of the Foundation of the American Bar Association and of the Foundation of the Federal Bar Association, and was named a Higginbotham Diversity Fellow by the American Arbitration Association in 2013.

She is Co-Managing Editor of Coverage, the journal of the American Bar Association Insurance Coverage Litigation Committee (2019–present). Within that committee she has served as Policyholder Co-Chair of the Energy & Environment Subcommittee (2019, 2022–2023) and of the International/London Subcommittee (2016–2019), and as Co-Chair of the Women in Insurance Subcommittee (2015–2016), where she has been a member since 2014. She serves on the statewide Board of Directors of the Arizona Women Lawyers Association (2016–present) as Vice President (2026) and previously Treasurer (2025), and was President of the association’s Maricopa County Chapter (2019–2020) and President of the Phoenix Chapter of the Federal Bar Association (2009–2010).

Karin writes and speaks on insurance and artificial intelligence. Her recent work includes “Insurance and AI—Up and Coming Legal Issues in 2026” (February 13, 2026), “Google Suit Reveals Coverage Challenges for AI Integration” (November 20, 2025), and the presentation “Navigating AI-Driven Change in Insurance” (July 7, 2026). She also authored “Appraisals: Resolving Disputes over Valuing the Amount of Loss, Parts I and II” (June 2025) and “Coverage Issues for Climate Change” for the American Bar Association (2019), served on an ABA CLE panel on insurance fraud (January 22, 2026), and co-authored “Seven Emerging Legal Trends Shaping Arizona Business in 2026” (January 9, 2026).

She served on the Cyber Security Committee of the Arizona Technology Council (2017–2019) and on the Greater Phoenix Chamber of Commerce Public Affairs Committee and its Insurance and Health Care Issue Committee (2016–2019). She taught U.S. Legal Discourse as an adjunct professor at Georgetown University Law Center (2000–2001) and is a member of Treffpunkt, the German-American Business Group. Her board service includes the Florence Immigration Project (2025), Act One (2017–2019, Treasurer 2019), and the Herberger Theater Center (2011–2017).

Her pro bono practice has included pension and reparation claims for Holocaust survivors against the German government, asylum representation for a Mexican human rights defender, a Guatemalan domestic violence victim, and a Sudanese “Lost Boy,” removal relief for a former Guatemalan child soldier, a federal jury trial on civil rights claims against prison officials as lead attorney, and co-counsel work challenging Arizona restrictions on reproductive care access.

Karin represented the nation’s largest public utility in securing coverage for cleanup costs associated with the largest coal ash spill in the United States, recovering more than $300 million through settlements and complete victories in two multi-week London arbitrations against Bermuda-based excess liability insurers. She has represented policyholders in complex matters involving environmental, director and officer, professional and general liability, cyber, property, and business interruption policies, with success in London arbitrations under Bermuda Form agreements.

Her other coverage matters include complex litigation for a successor trust following a financial institution bankruptcy; property, business interruption, and environmental coverage for a hospitality company following hurricane damage; construction-related insurance counsel for a township; accident coverage analysis for a clinic facility; and production accident coverage issues for a multinational media and entertainment group.

Alongside her coverage practice she manages complex commercial and appellate litigation and addresses privilege law in international and cross-border contexts. That work includes trade secrets litigation for a leading online real estate portal, patent infringement and antitrust matters for semiconductor companies, antitrust multidistrict litigation for a multinational microprocessor manufacturer, and Foreign Corrupt Practices Act claims for an international mining company. She has appeared before the Fourth and Ninth Circuits, most recently obtaining vacatur of recall and restitution provisions in a trademark infringement preliminary injunction. She spent twenty years at an AmLaw 50 firm and four years at a multinational firm based in Washington, D.C.