Lorraine M. Armenti


(973) 631-6008
350 Mount Kemble Avenue
P.O. Box 1917
Morristown, NJ 07962

Lorraine Armenti is a Partner in the Firm's Insurance and Reinsurance Services Group.

Lorraine's practice focuses on the representation of domestic insurers in complex insurance coverage matters with an emphasis on insurance coverage issues from sexual molestation claims at schools and non-profit organizations. Her practice also focuses on long-tail claims, including asbestos and pollution claims. Most recently, Lorraine completed a nine day bench trial in NY where she obtained a favorable ruling under a claims made environmental policy, precluding over a million dollars of coverage to the insured.

Prior to joining Coughlin Midlige & Garland as a Partner upon its inception in March 2004, Lorraine was a Partner at the firm of McElroy, Deutsch & Mulvaney, where her practice concentrated in the management of complex coverage litigation across the United States, and she served as national counsel for a large, domestic insurance company. While at McElroy, Deutsch & Mulvaney, Lorraine opened the firm’s Colorado office, where she continued to litigate complex insurance coverage matters in the western region of the United States while managing the Colorado office.

Lorraine has represented insurers in coverage matters involving sexual molestation, underlying environmental, asbestos, product recall, and toxic tort issues. She has been involved in trials and mediations on coverage issues throughout the United States.


  • Obtained a favorable ruling under a claims made pollution policy after a nine day bench trial in N.Y. (2017)
  • Chenault v. Victory Highlands Condo. Ass’n, No. A-3626-14T4 (N.J. Super. App. Div. Nov. 21, 2016) (per curiam) (holding, in an interlocutory appeal, that the common law prohibition on direct actions against insurers applies without exception to a claim seeking declaratory relief).
  • Obtained a favorable ruling for a primary and umbrella insurer in an asbestos coverage case, after a 16-day bench trial in Waterbury, Connecticut. (May/June 2013) The ruling was affirmed by the Connecticut Appellate Court. (2015) 
  • Mediated to successful resolution numerous coverage cases involving asbestos and product recall liabilities.
  • Represented an international insurer in connection with one of the largest mining coverage cases litigated in the state of Colorado.

Speaking Engagements

Speaker, "Allocation of long tail insurance claims after Viking Pump and Keyspan,” Coughlin Midlige & Garland LLP’s Seminar on Long Tail Allocation and the Strategic Use of Reservation of Rights Letters (May 31, 2018) 

Speaker, "Allocation of long tail claims after Viking Pump and Keyspan,” Coughlin Midlige & Garland LLP’s Seminar on Emerging Issues in Insurance Coverage (May 10, 2018) 

Speaker, "Hot Button Issues in Insurance Law: 2018,” N.J. Law Center (January 2018) 

Speaker, "The Ins, Outs and Unpredictability of the Attorney-Client Privilege and Work Product Doctrine in the Claim Handling Process," The India House (November 19, 2015) 

Speaker, “Recent Developments in New Jersey Law: Farmers Mutual and Potomac," CLU Charlotte, North Carolina (February 26, 2014)

Panelist, “Big, Midsize and Small: Understanding Private Law Firm Practice," Seton Hall Law School (Fall 2013)

Speaker, “The Challenges of Navigating Additional Insured Coverage and Contractual Indemnity Claims," The Westin Jersey City Newport Jersey City, New Jersey (November 20, 2013) 

Speaker, “The Challenges of Navigating Additional Insured Coverage and Contractual Indemnity Claims," New York City, New York (October 29, 2013)

Publications and Presentations

Co-Author, "The Evolution of Cyber Coverage Law: A Survey of Critical Decisions and the Market's Response," ABA's Insurance Coverage Litigation Committee, Coverage Journal (November 21, 2016)

Co-Author, "New Jersey Appellate Division Affirms Allocation to Insured for Pre-December 2004 Insolvencies," Environmental Claims Journal, DOI: 10.1080/10406026.2106.1192901 (2016)

Co-Author, “Just When You Thought You Understood New Jersey Allocation Law:  Implications, Limitations and Complications in Applying Farmers Mutual Fire Insurance Co. of Salem v. New Jersey Property-Liability Ins. Guar. Assn.," Environmental Claims Journal, Vol. 26, Number 3, (July-September 2014)

Co-Author, “'Scope of Coverage' – The Handbook on Additional Insureds,” ABA Publication (2012)

Awards and Honors

Super Lawyers, Insurance Coverage (2012, 2020-2021, 2024). (This list is published by Super Lawyers.  Their selection methodology is available here.  No aspect of this advertisement has been approved by the Supreme Court of New Jersey.)

Selected for inclusion in Best Lawyers in America©(2020-2024). Their selection methodology is available here.  No aspect of this advertisement has been approved by the Supreme Court of New Jersey.)

Richard J. Hughes Award for Excellence in Civil Practice


Member, ABA Section of Environment, Energy and Resources

Member, New Jersey State Bar Association

Member, Essex County Bar Association

Member, New Jersey Women Lawyers Association