Steven G. Adams


(212) 612-4984
88 Pine Street, 28th floor
Wall Street Plaza
New York, NY 10005

Steven Adams is a Partner in the Firm's Insurance and Reinsurance Services Group.

Steve's practice focuses on the representation of domestic and international insurers and reinsurers in litigated and non-litigated matters. Steve has litigated matters and counseled clients with respect to a wide variety of claims concerning comprehensive general liability, pollution legal liability, construction defects, environmental specialty, financial lines, personal and advertising injury liability, mass tort, asbestos, employers’ liability, professional liability, directors and officers, errors and omissions and first party property insurance policies, as well as additional insured and contractual liability issues.

Prior to joining Coughlin Midlige & Garland, Steve was a Vice President/Senior Coverage Attorney in AIG’s Global Coverage Group where he analyzed coverage nationwide for large commercial and casualty losses, and represented the AIG Member Insurers in coverage declaratory judgment actions.

Upon graduation from the University of Michigan Law School, Steve became associated with a Wall Street firm where he practiced in the litigation department. In 1983, Steve moved to a boutique law firm that specialized in insurance coverage litigation. He became a Member of this Professional Corporation in 1990, and remained with that firm until 2010, when he joined AIG.


  • Counsels and litigates on behalf of insurers claims for additional insured coverage, and with regard to risk transfer issues.
  • Counsels and litigates on behalf of insurance coverage disputes arising out of construction defect claims. 
  • Counseled clients and litigated matters related to insurance coverage for asbestos, mass tort, environmental casualty, pollution legal liability and environmental specialty claims.
  • Advised underwriters and business segment claim managers and adjusters on policy language, manuscript changes and market issues.
  • Acted as national coordinating and regional coverage counsel for insurers in the handling of their environmental coverage claims.
  • Represented insurers in the submission of their resolved claims to facultative and treaty reinsurers, and litigated and arbitrated reinsurance coverage disputes.
  • Represented insurers in disputes related to financial institutions and for claims made under Directors and Officers, Errors and Omissions, and Difference in Conditions Policies.

Speaking Engagements

Speaker, "Additional insured coverage – life after Burlington,” Coughlin Midlige & Garland LLP’s Seminar on Emerging Issues in Insurance Coverage (May 10, 2018) 

Publications and Presentations

Presenter, “Overview of Additional Insured Coverage and Contractual Indemnification,” AIG CLE/CE (January 2015)

Presenter, “The Insurance Services Office 2013 Revisions to Commercial General Liability Forms and Endorsements,” AIG CLE/CE (September 2014)

Presenter, “Trigger and Allocation Issues in Long-Tail Claims -- Comparative Analysis of New York Law with Other Jurisdictions,” AIG CLE/CE (April 2012)

Presenter, “Can the Commercial General Liability Policy Survive?” New York State Bar Association (2008)

Presenter, “Ethical Considerations Arising Under the CGL Policy,” New York State Bar Association (2006)

Presenter, “Mediation, Arbitration, Litigation – The Reasons For and Against Each One,” 1st Annual International Commutation and Reinsurance Recoveries Symposium (1997)


Member, American Bar Association

Member, New York State Bar Association

Member, Defense Research Institute

Member, Armadillo Group