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Business Insurance – Overview of Coverage Needs as Required by Law and Contract

Speaker(s): Heather A. Steinmiller, Jeffrey Grossman, Steven B. Davis, Terrence J. Tracy
Recorded on: Aug. 7, 2020
PLI Program #: 307495

Heather Steinmiller serves as Managing Director of Claims Services and Legal. In addition to her corporate responsibilities as General Counsel, Steinmiller provides support to the Commercial Lines Division by providing daily advice on coverage issues and legal trends.  In addition, she leads our 30 member Claims Department in ensuring our clients minimize their risk and maximize recovery under their insurance program by advocating for coverage on challenging claims.  Steinmiller also provides educational training for our clients on a variety of hot topics through Conner Strong & Buckelew’s educational training program. 


Before joining Conner Strong & Buckelew, Steinmiller served as in-house employment counsel for a publicly-traded company with assets worth over $49 billion and 15,000 employees. In that role, she provided daily advice on labor and employment matters and served as the company’s first and only in-house labor and employment counsel. In 2007, Steinmiller was one of two in-house lawyers who assisted in the acquisition of that company, which was recognized by American Lawyer as one of the Big Deals of 2007.

Steinmiller began her career as a member of the Employment, Benefits, and Labor Practice Group of Blank Rome LLP where she represented public and private employers before federal and state courts and administrative agencies concerning all aspects of employment and labor law. In addition, she represented a variety of public entities with bid procedures, contracting, and sunshine law compliance. Specifically, she represented a large public school where she assisted in revising its Code of Student Conduct and its disciplinary procedures.


St. Mary’s College, Notre Dame, Indiana – B.A. degree

Villanova University School of Law – Law degree, graduated cum laude, admitted to practice in PA and NJ

Community Involvement

Steinmiller is a member of the Forum for Executive Women and the Board of Directors of Bancroft.  Steinmiller also serves as a member of the National Advisory Council of First Book and volunteers her time with the Support Center for Child Advocates representing abused and neglected children. In 2016, after an extensive interview process, the President of the United States Barack Obama appointed Steinmiller to the inaugural Board of Directors for the National Association of Registered Agents and Brokers, pending Senate approval.  Steinmiller formerly served 2 terms on the Board of Trustees for the Knowledge is Power Program (“KIPP”) Charter Schools in Philadelphia where she served on the Executive Committee and Chaired the Trailblazing Committee. 

Steinmiller has been recognized for legal excellence and distinguished community involvement by the Philadelphia Business Journal, the New Jersey Business Journal, the Support Center for Child Advocates and the Pennsylvania Bar Association. 



Jeffrey Grossman is a trial lawyer who focuses his practice on complex litigation and regulatory matters within the fields of insurance, health care and construction. His practice entails resolving disputes between private parties, as well as disputes involving industry and governmental regulators.

Jeff’s experience covers a broad spectrum of engagements in several industries and areas of law, including insurance, health care, cyber, construction, surety and fidelity, securities, general commercial litigation, professional liability and general negligence. He routinely handles cases in federal and state courts, and before arbitration tribunals. 

Jeff represents national and international insurers and reinsurers, as well as receivers and creditors, in insurance rehabilitations and liquidations; complex matters involving coverage, bad faith, underwriting, insolvency and asset recovery; and related regulatory issues involving a myriad of insurance and reinsurance products.

He also represents health care institutions and providers in various regulatory matters and complex disputes between private parties and with federal and state agencies involving complex, high-stakes reimbursement or breach of contract claims; False Claims Act, Stark, Anti-kickback and other regulatory matters; managed care; ERISA; provider contracting; and alternative reimbursement structures.

Jeff represents businesses and nonprofit clients across numerous industries in cybersecurity matters, including insurance and other contract counseling, data breach investigation and response, and data breach litigation. He is a member of Stradley’s data breach response team and regularly advises clients and industry stakeholders on cyber security matters.

Within the real estate and construction sector, Jeff represents sureties, general contractors, sub-contractors, developers, fabricators, manufacturers, suppliers, owners, brokers and construction professionals in complex claims involving payment disputes, commission disputes, default terminations, defective building products, defective workmanship, delayed performance, design errors or omissions, liquidated damages, lost productivity, lost profits, unforeseen site conditions, damages recovery, subrogation, complex bond form coverage disputes and surety/principal indemnity issues.

Steve Davis is a nationally recognized insurance regulatory and coverage expert. As chair of Stradley Ronon’s insurance practice, Steve helps manage the firm’s insurance-related transactional, regulatory and coverage litigation engagements. For more than 25 years, he has provided counsel and expert services in hundreds of insurance and reinsurance regulatory, coverage and litigation matters.

As former general counsel of the Pennsylvania Insurance Department, Steve has vast experience providing counsel in a wide variety of insurance and reinsurance transactional, compliance and enforcement matters. He is a known authority on the Model Insurance Holding Companies Act, and on insurance receivership and runoff issues, and represents the Pennsylvania Insurance Department in a variety of insurance receivership and other regulatory matters. Steve also has broad experience advising insurance company start-ups and troubled insurance companies. He also provides coverage-dispute counseling and related litigation and mediation/arbitration services to property-casualty, flood/write-your-own (WYO), directors and officers (D&O), errors and omissions (E&O), life, health and long-term care insurers and reinsurers, and sophisticated commercial insureds. Steve routinely advises producers in business matters, litigation and enforcement disputes.  Steve also helps businesses of all types assess and manage their insurance and other risk management solutions.


J.D., cum laude, Temple University Beasley School of Law

B.A., summa cum laude, Temple University


Board of Directors, Committee of Seventy

Board of Directors, Commonwealth Court Historical Society

Board of Governors, Saint Joseph's University Academy of Risk Management and Insurance

Fellow, American College of Coverage Counsel

American Bar Association, Tort Trial & Insurance Practice Section

Association of Insurance Compliance Professionals

Association of Insurance and Reinsurance Runoff Companies

Claims and Litigation Management Alliance

Corporate Insurance Coverage Committee, CPR Institute for Dispute Resolution

Pennsylvania Association of Mutual Insurance Companies

Stradley Ronon Diversity Committee


Terrence Tracy is a veteran in the insurance industry, and since 2006, has been an instrumental member of the executive leadership team of Conner Strong & Buckelew, LLC and its affiliated companies.  Under Terry’s leadership, the Commercial Lines Department has grown by more than 100%.

As Managing Director of the Commercial Lines Division, Terry is responsible for leading over 200 insurance professionals and 7 divisions that focus on managing clients’ total cost of risk. In addition, Terry leads our Executive Risk Practice Group, which focuses on the unique challenges in placing director and officers insurance, employment practices liability and cyber insurances.  Ensuring he stays in tune with the marketplace, Terry works directly with clients in the financial and professional services and manufacturing industries in placing their property and casualty insurance.     

Mr. Tracy is a frequent speaker for Conner Strong & Buckelew’s client’s education series and a variety of associations on topics ranging from the nuts-and-bolts of insurance to emerging risks that impact clients.

Terry is a part of our InsurTech Practice Group.  In 2020, Terry was appointed the inaugural board member to BrokerTech Ventures which  is an organization  that exists to bend the innovation curve, to challenge and ultimately to change the insurance brokerage  industry  thru the use of state of the art technology.   


Prior to joining the insurance industry, Tracy was a Senior Manager in the Tax Department at Ernst & Young.  After many years in the tax industry, he joined a regional brokerage firm in Philadelphia.  In 2006, Mr. Tracy joined Conner Strong & Buckelew’s predecessor company, and in 2007, was instrumental in spinning off the insurance division of a regional bank to a privately owned insurance brokerage company that is Conner Strong & Buckelew today. 


Villanova University – Masters in Tax
Drexel University – Bachelors of Science

Professional Designations

Certified Public Accountant (CPA)