Disciplined in Sophisticated Defense and Insurance Litigation

Rebecca C. Appelbaum is a Partner at Butler. She primarily practices in the areas of third party liability coverage and third party liability defense. Prior to joining Butler in 2003, Rebecca practiced general liability defense, coverage and employment discrimination in Tampa. She received her Doctor of Jurisprudence in 1998 from the Syracuse University College of Law.


  • Florida
  • New York


  • Syracuse University
    Bachelor of Arts in Music
  • Syracuse University
    Master of Arts
  • Syracuse University
    Doctor of Jurisprudence


  • Florida Courts (Middle District)
  • Florida Courts (Southern District)
  • Florida State Courts
  • New York State Courts
February 07, 2007 PUBLICATIONThe Scope of Ongoing Operations Additional Insured Endorsements: Broader than Expected

Additional insured endorsements come in all shapes and sizes. Some cover the sole negligence of the additional insured. Others cover the additional insured only for the named insured's negligent acts. Still others cover particular projects or a particular activity. In every case, the language of the endorsement and the jurisdiction's interpretation of that language governs the scope of the coverage provided.

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July 01, 2006 PUBLICATIONPre-Tender Defense Costs: Who Pays?

International Risk Management Institute (©Copyright July 2006) (with Rebecca Applebaum) 

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April 01, 2006 PUBLICATIONAre Products Advertisements That Give Rise to Advertising Injury Coverage?

International Risk Management Institute (©Copyright April 2006) (with Rebecca C. Appelbaum)  

Please contact the attorney for a copy of the article.

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January 01, 2006 PUBLICATIONAllocation of Damages for Ongoing Losses Over Multiple Policies -- Who Pays and How Much?

International Risk Management Institute (©Copyright January 2006) (with Rebecca C. Appelbaum)  

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October 01, 2005 PUBLICATIONThe Scope of the Prior Publication Exclusion: Now You See It, Now You Don't

International Risk Management Institute (©Copyright October 2005) (with Rebecca C. Appelbaum)  

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June 07, 2005 PUBLICATIONAn Insurer's Liability For Punitive Damages In An Excess Judgment

Ging v. American Liberty Insurance Company, 423 F.2d 115 (5th Cir. 1970) is a case often cited for the proposition that third party insurers who act in bad faith could be held liable for punitive damages awarded against their insureds. However, the strength of this proposition appears to depend upon the extent to which a jurisdiction would permit the insurability of punitive damages. Those jurisdictions that permit coverage for punitive damages would also likely permit recovery of those damages later as a result of the carrier's bad faith. Jurisdictions whose public policy precludes insuring against punitive damage awards, may be more reluctant to permit recovery in a later bad faith action, depending upon the nature of the liability giving rise to the punitive damage award.

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Key Points
Practice Area CASE TYPE
  • Bodily Injury - Coverage
  • Boiler and Machinery - Coverage
  • BOP
  • Construction Defect Litigation
  • Coverage - Bodily Injury
  • Family Law
  • Federal Multi-District Litigation
  • Products Liability
  • Third Party Coverage Issues
  • Third Party Liability
  • UM