Clear insurance advice from attorneys with years of experience
working within the insurance industry

Our attorneys worked for insurance providers on claims and coverage issues.
Now we work for you.

Is it in your best interest to receive advice on insurance policies from the vendor?

CMBG3 Law’s insurance legal advisors have worked for major insurance companies, so we understand complex insurance contracts, how they handle claims, and coverage pitfalls. Our one-of-a-kind knowledge and experience is what you need to protect your business with the best insurance coverage.

Navigating political and legal issues that impact your business is a full-time job in and of itself. Our Government Relations team delivers you the information you need real-time, complete with a tailored analysis of potential impacts and implications and a strategy to best position your company. We are equipped with the tools and experience needed to identify relevant legislation and regulations on the issues important to you, provide concise and detailed analysis of legislation, and how to move forward. This paves the way to implement effective advocacy action. Legislative tracking provides the benefit of getting ahead on key legislation and creating a grassroots foundation.

Rooted Connections

We have strong relationships with Legislators and staff at the State and Federal levels. This gives us a key advantage to keeping our clients priorities on the top of Legislators’ agendas.

Experienced Team

Our team uses their collective decades of experience working in local, state and federal levels of government to deliver results. Having worked directly for Senators and Congressmen has provided our team the foundation to master the intricacies of government relations.

Grassroots Approach

Ability to effect change from the ground up to produce lasting positive results. Our reputation as thought leaders on environmental issues allows us to keep our clients’ interests protected with the policymakers.

Expert Skillset

Our team has created countless political strategies for our clients. From filing legislation to advising Legislators on language changes in filed legislation.

EPA PFAS Regulations: “PFAS A Priority” Says Incoming Administrator

On Wednesday, President Joe Biden's pick to lead the Environmental Protection Agency (EPA), Michael Regan, underwent his confirmation hearing. His nomination received largely bi-partisan support, so it is expected that Mr. Regan will be confirmed as the new...

Governor Baker’s COVID-19 Closure Orders Held Constitutional

Massachusetts Governor Charlie Baker was within his constitutional authority to issue broad executive orders shutting down most of the state in an effort to restrict the spread of the coronavirus, according to the Supreme Judicial Court’s most recent opinion. The...

Massachusetts Covid Response Rolls Back Openings

In response to the increasing numbers of Covid-19 cases, Governor Charlie Baker announced several executive orders as forms of “targeted interventions.” We expect the orders will be received by some as an intelligent step to combat the public health concerns, while...

CMBG3 Attends Conversation With Canadian Ambassador

CMBG3’s Government Affairs team recently attended a candid conversation with Canadian Ambassador to the United States, Kirsten Hillman.  Ambassador Hillman addressed Canadian relations with the United States and other issues of importance to New England and the entire...

Green New Deal: Climate Legislation or Empty Promises?

With sweeping declarations identifying a need to reduce greenhouse gas emissions and create thousands of high-paying jobs, the proposed Green New Deal superficially appears to be the climate legislation that green advocates have been waiting for. However, upon closer...

CMBG3 Attends Conversation With Indian Ambassador

CMBG3’s Government Affairs team recently attended a candid conversation with Indian Ambassador to the United States, Taranjit Sandhu.  This event was organized by the New England Council, a non-partisan alliance of businesses, academic and health institutions, and...

Should You Require

Legal Representation

Coverage Denials

If you are ever denied coverage, our attorneys will ensure that your rights under your insurance policy are upheld. CMBG3 attorneys previously worked for insurance companies, understand the motives behind such responses and know the duties owed to you.

Mediation & Arbitration

Often, insurance policies have clauses that require disputes to be mediated or arbitrated with neutral decision-makers prior to lawsuits. CMBG3 uses years of experience in insurance policies to maximize favorable outcomes in a cost-effective manner.


All of our attorneys are litigators, many of them with specific experience litigating insurance disputes. While often a last resort, we can represent your company in litigation and at trial to get the results that you desire.

Michaela Lancer


Prior to joining CMBG3, Michaela Lancer worked at one of the largest claims administrators in the United States handling hundreds of complex insurance issues for companies and industries of all sizes. Attorney Lancer reviewed complex insurance policies and coverage opinions, participated in countless mediations and oversaw the litigation of claims that arose from the policies. Her unmatched experience in insurance coverage and litigation is available to all of our clients.

Case Studies

The Right & Duty

Time and again, we have seen that language that seems straightforward in insurance policies can in fact be complex and ambiguous in ways that can impact your business. Language giving insurance companies “the right and duty” to certain things is just one such example. We have negotiated with insurance companies to avoid stressful and financially consuming pitfalls for our clients that can result from seemingly simple insurance policy clauses. Please see our article for more about our experience helping clients with insurance issues

Day Spa Denial

A Cautionary Tale

One of our clients was a small day spa that filed a claim with its insurance company for an event and received a denial of coverage letter from the insurance company. The small business came to us for help to fight the denial based on the language in their insurance policies.

The event involved a client of the spa that filed a lawsuit alleging bodily injury resulting from a spa service. Our client’s insurance policy clearly covered bodily injury to a third-party and the client was hoping that we could challenge the denial. We reviewed the policy and found that injury resulting from any professional service offered by the spa was explicitly excluded and the insurance company’s decision was therefore justified. If they had come to us initially for insurance coverage advice, we would have helped them to obtain the protection that they needed, and would have negotiated and ensured that there was no such exclusion in the final insurance policy.