Stephanie Andersen


Stephanie has advised insurers on coverage and alleged bad faith in Washington since 1992 and has successfully tried to verdict both coverage and bad faith cases, including a federal court multi-million dollar covenant judgment settlement case in which the jury found no bad faith.

Stephanie advises insurers on all types of first and third party coverage lines, and has defended insurers against bad faith and IFCA class action matters.  She has also successfully defended numerous covenant judgment settlement actions for her clients.  Stephanie likes to get involved as early as possible in a coverage matter to help her client navigate and minimize exposure to the pitfalls of Washington alleged extra-contractual (bad faith, CPA and IFCA) liability from the start.



  • 2012 – 2018 recognition as Washington “Super Lawyer”  
  • “AV” rated by Martindale-Hubbell, the highest rating obtainable

Representative Cases

  • Represented an insurer in an additional insured matter involving water damage at an apartment complex. The work of her client’s named insured, a subcontractor, and additional insured, a general contractor (“GC”), allegedly caused water damage there. The apartment owner sued the GC for property damage. The insurer was concerned the owner would take a covenant judgment against the GC, who would have been an additional insured under our client’s policy but for the policy’s “ongoing operations” endorsement. (It was clear the damage related to the subcontractor’s work did not occur until after the project had finished so per Washington law, the “ongoing operations” endorsement did not apply.) To prevent a covenant judgment, Ms. Andersen counseled her client to defend the GC for the subcontractor’s negligence not under the policy, but instead under the named insured’s subcontract.  In the end her client paid nothing to settle the AI claim in the underlying lawsuit; the named insured’s insurer paid for damage caused by its work and the GC’s insurer paid for damage caused by its failure to supervise/mitigate
  • Evanston v. Clark County (W.D. Wash. 2014) (lead trial counsel in bench trial in which court held insurer had to defend against only one of four counts in underlying complaint)
  • Meadow Valley Owners’ Assn. v. St. Paul Fire & Marine Ins. Co., 2007 WL 563114 (W.D. Wash. 2007) (lead trial counsel in multi-million dollar construction defect covenant judgment matter in which jury found her client had not committed bad faith or violated CPA)
  • Corbis Corp. v. St. Paul Fire & Marine Ins. Co., 125 Fed. Appx. 792 (9th Cir. 2004) (affirming trial court’s ruling that insurer owed no duty to defend insured’s unauthorized publishing of claimant’s images)

Professional & Civic Involvement

  • Editor, Insurance Litigation Reporter
  • Washington Defense Trial Lawyers Association
  • Northwest Insurance Coverage Association (president 2005 – 2007)
  • Washington State Bar Association (former Diversity Committee Member)
  • Friends of the Seattle Public Library, former Board Member


Articles & Presentations

  • Presenter: CLM: 2018 CLM Seattle Chapter Education and Networking Event, Notable 2018 Washington Insurance Decisions, November 29, 2018.
  • Presenter: CLM: Xia v. Probuilders, “Where Do We Go From Here,” October 19, 2017
  • Presenter: Insurance in the Construction Industry “Bad Faith Remedies and Stipulated Settlements,” October 6, 2017
  • Presenter: WDTL Annual Insurance Law Seminar, “Everything You Ever Wanted to Know About the Absolute Pollution Explanation  But Were Afraid to Ask,” March 31, 2017
  • Presenter: American Conference Institute, 28th National Advanced Forum on Bad Faith Claims and Litigation:  Bad Faith in the Absence of Coverage, July 30, 2014