Disciplined in Sophisticated Defense and Insurance Litigation

A Partner at Butler, Fay E. Ryan devotes her Tampa practice to third party coverage and extra-contractual matters. Within these practice areas, her numerous claims deal with construction defect, auto accidents, slip-and-falls, products liability, defamation, and more. Fay has experience analyzing virtually all types of liability policies, including CGL, Excess and Umbrella, OCIP, Commercial Auto, Personal Lines, E & O, Environmental, and Reinsurance.  In addition to providing coverage advice, Fay advises clients on good faith claims handling, including settlement in multi-claimant situations.  Fay has tried over fifty jury trials and approximately thirty non-jury trials .

Fay graduated cum laude from Boston College with a Bachelor of Arts degree.  She received her Doctor of Jurisprudence, cum laude, from the University of Florida College of Law. During law school, Fay earned the American Jurisprudence Award in Contracts, Estates and Trusts, English Legal History, and Legal Drafting. She is also a member of the Order of the Coif, an honor society for law school graduates who were in the top ten percent of their graduating class.

Since becoming a lawyer, Fay has contributed to the Defense Research Institute’s multi-state compendium (Florida chapter). She has also been published in Mealey’s Litigation Report: Bad Faith, and DRI’s For The Defense magazine.


  • Florida


  • Boston College
    Bachelor of Arts
  • University of Florida
    Doctor of Jurisprudence


  • Florida Bar Association (FBA)
  • Order of the Coif


  • Florida Courts (Middle District)
  • Florida Courts (Southern District)
  • Florida Federal Courts

For more information regarding these cases, please contact Fay Ryan.

Representative Cases Litigated to Conclusion:

Myers v. Foremost, et al (Court dismisses Plaintiff’s UM claim with Prejudice, where Plaintiff admits she did not read UM rejection form before signing it.)

PCIC v. A & M Fox Roofing, Inc., et al (Court grants summary judgment under “ongoing ops” exclusion endorsement to CGL policy; roof leaked during roof replacement job.)

SNIC v. West, et al, (Court grants summary judgment under Named Driver Exclusion Endorsement; wrongful death and serious BI claim arising out of excluded driver’s use of Insured Vehicle.)

American Economy Ins. Co. v. Traylor Wolfe Architects, Inc., et al (Court grants summary judgment under Business Auto policy, finding business owner was engaged in personal use at time of accident.)

Lloyds v. Scottsdale and Sands Harbor, et al (Court denies opposing insurer’s motion for summary judgment asking the court to find that our client was primary; court finds both insurers are co-primary.)

The Ohio Casualty Insurance Company v. Garden Of Eat’n Of Tampa, Inc., et al (Court grants summary judgment under Employer’s Liability exclusion to CGL policy, where employee tripped in parking lot after clocking out.)

MCC v. Clean Seas Company, Inc., et al (Court grants Motion for Summary Judgment in Part, preventing retailer from aggregating multiple customers’ claims into one “Superclaim” to avoid the “per claim” deductible; court also finds that economic losses resulting from damage to insured’s product, are not “Property Damage” under CGL policy.)

Coachmen Industries, Inc. v. Royal Surplus Lines Ins. Co. (Court dismisses Abuse of Process and Bad Faith claims with Prejudice [while allowing Malicious Prosecution claim to proceed].)

October 27, 2014 PUBLICATIONThree Is A Crowd: Revisiting The Third Party Beneficiary Doctrine

This article examines the third party beneficiary doctrine in conjunction with the approaches courts follow with regard to the collection of an excess judgment from a liability insurer.

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December 09, 2010 PUBLICATIONSplitting The Baby: The Insurer's Duty To Notify The Insured Of The Need For An Allocated Verdict

This is one of a series of articles originally published in Mealey's Litigation Report: Insurance Bad Faith, Vol. 24, #15 (December 9, 2010). © 2010  

[Editor's Note: Fay E. Ryan is a partner the Tampa office of Butler Weihmuller Katz Craig LLP, which also has offices in Chicago, Charlotte, Mobile, Tallahassee and Miami. She is an experienced trial attorney in the firm's Extra-Contractual, Third-Party Coverage, and Liability Departments. Kimberly N. Gorak is a senior associate in the Tampa office of Butler , also practicing in the firm's Extra-Contractual, Third-Party Coverage, and Liability Departments. Any commentary or opinions do not reflect the opinions of Butler or Mealey's. Copyright © 2010 by Fay E. Ryan and Kimberly N. Gorak. Responses are welcome .]

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January 28, 2010 PUBLICATIONA Look Back At Some Of 2009s Significant Bad Faith Decisions

This is one of a series of articles originally published in Mealey's Litigation Report: Insurance Bad Faith, Vol. 23, #18 (January 28, 2010). © 2010

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October 17, 2001 PUBLICATIONJustices: Please Take This Case!

Two recent state court decisions jeopardize the right of insurers to consult legal counsel when considering whether to pay or deny the claim of a policyholder. The Arizona and Ohio state supreme courts have issued opinions eroding, even abrogating, the attorney client and work product privileges. In one of these decisions, Boone v. Vanliner, 744 N.E.2d 154 (Ohio 2001), the insurer has petitioned the United States Supreme Court to issue the writ of certiorari, hear the case and reverse the Ohio Supreme Court. The undersigned urges the United States Supreme Court to take the Vanliner case for the reasons stated below.

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Blog Posts

February 10, 2015 BLOG POSTDoes Florida's statutory duty to disclose insurance information apply to claims arising under out-of-state policies?

One of the most common questions I get from out-of-state insurers is whether they are required to honor a claimant’s request for disclosure of insurance information under Florida Statute 627.4137. If the applicable policy was not delivered in Florida or issued for delivery in Florida, the short answer is “No.” Nonetheless, sometimes an insurer can best protect both its insured and itself by voluntarily providing at least some of the information outlined in the statute.

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June 26, 2014 EVENT2014 RIMKUS CE Seminar

Protecting the Insured from Exposure in the Multiple Claimant Context

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November 06, 2013 EVENT2013 CLM Northern Florida Chapter Educational Event

Premises Liability

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Key Points
Practice Area CASE TYPE
  • Bad Faith
  • Catastrophic Injuries
  • CGL
  • Civil Remedy Notices
  • Complex Liability Litigation
  • Construction Defect Litigation
  • Contractor Controlled Insurance Program
  • Coverage - Advertising Injury
  • Coverage - Bodily Injury
  • Coverage - Personal Injury
  • Environmental Liability - Mold
  • Extracontractual Claims
  • Negligent Security - Violent Crimes
  • Personal Injury Protection
  • Premises Liability
  • Premium Fraud
  • Standard Liability
  • Third Party Liability
  • Toxic Tort - Mold
  • Underinsured Motorist
  • Uninsured Motorist