The Insurance Regulatory and Transactional Practice Group is chaired by Francine L. Semaya and includes professionals with regulatory and industry experience. Our team counsels clients on all aspects of insurance regulation, compliance, corporate transactions, reinsurance and insolvency matters. Ms. Semaya has over 30 years of experience in the insurance industry and has assisted clients with a wide range of insurance regulatory and corporate matters. The group includes two former senior regulators - Sue Stead, who is Vice-Chair of the group and a former Assistant Director of the Ohio Department of Insurance and Peg Ising, who is a Regulatory Consultant and the former Deputy Director and twenty-five year veteran of the Ohio Department of Insurance. Ms. Semaya and Ms. Ising also held positions with insurance companies - Ms. Semaya handled government affairs and Ms. Ising was an underwriter.
Our clients include insurers, reinsurers, surplus lines carriers, captives, risk retention groups, agents, TPAs, MGAs, receivers, and other financial services related businesses. They seek our assistance with regulatory matters nationally and globally, for all lines of business and for matters relating to reinsurance, insolvencies and corporate transactions. We assist clients by identifying and avoiding potential regulatory issues and concerns, helping them interact with regulators, counseling on insurance corporate and transactional matters, and by representing them when problems do develop. By working closely with the firm's other practice groups we make certain our clients benefit from the depth of the firm's unique expertise in the insurance industry.
Our professionals are frequent speakers on insurance and regulatory topics and hold leadership positions with many industry organizations.
Our recent work includes:
- Mergers and acquisitions and changes in control of insurance entities.
- Legal analysis and recommendations for proposed liquidation plans.
- Developed new and innovative insurance products at the request of a non-insurance entity.
- Served as regulatory counsel on financial guaranty insurer's reinsurance transactions.
- Loss portfolio transfers, commutations, and the winding up of insurers in run-off.
- Evaluation of an insurer's operations and provided guidance in establishing a compliance program.
- Advice on market conduct examinations and investigation by regulators.
- Compliance claims audit for health insurers.
- Multi-state analyses of regulatory requirements for insurers and reinsurers on different subjects, including agent licensing and compensation, the use of brokers, policy cancellation procedures, property claims handling requirements, financial responsibility reporting, and requirements for writing medical malpractice insurance, service contract regulation and licensing requirements; gap insurance; insurance coverage of punitive damages and extra contractual obligations and state investment laws.
- Analysis of coverage and non-coverage forms for compliance.
NLdH is proud of the reputation we have earned throughout the insurance industry. Learn more about our record of success.
Contact NLdH
With offices in the Philadelphia area, Cherry Hill, Newark, Columbus, New York and London, our national law firm is available to address insurance regulatory issues for businesses throughout the United States. Contact us today.

















