Dan Brown represents insurance companies, start-ups, agents and brokers, and others in all aspects of the admitted, exempt, and surplus lines insurance markets in the United States. This includes advising alien or foreign insurers on how to comply with various state laws in placing business; advising early-stage and developed InsurTech entities on regulatory and corporate issues; advising insureds on exempt and specialty lines such as marine, aviation, and transportation risks; advising producers on licensing, placement and premium tax issues, including digitization of the process; and advising insureds on coverage and placement issues. Dan advises participants in the London market on how to comply with U.S. insurance laws, either by becoming admitted insurers or by utilizing a variety of methods of covering U.S. risks without being licensed.
Dan represents clients with a wide variety of licensing and compliance issues in the U.S., London and elsewhere. This includes entity formation and licensure, mergers and acquisitions, resolution of broker compensation and disclosure issues, product development (both mandatory filing and exempt products), name changes and approval, preparation of licensing applications, preparation of applications for certificates of authority, and negotiations with departments of insurance regarding licensing and certification issues.
Dan also advises on issues related to the development, implementation and enforcement of the U.S. Affordable Care Act and related regulations, including analysis of and preparation for likely changes to the act. This includes advising on exemptions, taxation, coverage levels, extraterritorial issues, the individual mandate, the employer mandate, and individual and group applications of the act.
Dan’s practice also involves giving training presentations on California's Fair Claims Handling regulations to enable licensed producers and claims handlers to comply with all aspects of these regulations, including the annual training requirements. He also helps clients draft, amend, lobby for or seek department clarification regarding statutes or regulations impacting their businesses.
Insurers and producers looking at affiliate transactions seek Dan’s counsel on preparing the necessary applications and obtaining approvals from departments of insurance. He advises on pre-transaction strategies, the preparation of necessary corporate documents and agreements, and the execution of the application process. Further, Dan advises clients regarding the complex and rapidly evolving field of information privacy and restrictions on sharing personal, nonpublic information with affiliates and non-affiliates. He also has experience in the demutualization of mutual insurers and mutual insurance holding companies.
- Stanford Law School, J.D., 1992
- Portland State University, B.S., 1989, summa cum laude
- U.S. Court of Appeals, Ninth Circuit
- U.S. District Court, District of Hawaii