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Kimberly Ramey is a Partner in Butler’s main office in Tampa, Florida. Her practice primarily focuses on liability insurance coverage disputes, focusing on general liability coverage. She has extensive experience handling and litigating third-party claims involving a variety of coverages, including auto liability, commercial, public liability, personal/premises liability, professional liability, and excess and umbrella liability. Kimberly is skilled at transferring risk and minimizing exposure in multi-party disputes involving complex construction defects and catastrophic accidents. She is frequently retained to defend insureds in premises liability, automobile negligence, construction accidents, construction defects, and personal injury cases.

Kimberly is the author of several articles published in legal journals, including DRI and Mealey’s publications. She is regularly invited to speak about insurance-related topics at regional and national industry conferences. Additionally, Kimberly is a member of the American Bar Association’s Tort Trial and Insurance Practice Section (ABA), the Claims and Litigation Management Alliance (CLM), the DRI, and the Property and Liability Resource Bureau (PLRB). 

Kimberly earned her Doctor of Jurisprudence, magna cum laude, from Nova Southeastern University, where she served as Articles Editor for Nova Law Review. She is a member of the Florida Bar and is also admitted to practice in all federal courts in the State of Florida and the 11th Circuit Court of Appeals. 


  • Florida


  • University of Central Florida
    Bachelor of Science
  • Nova Southeastern University
    Doctor of Jurisprudence


  • American Bar Association (ABA)
  • American Bar Association’s Tort Trial and Insurance Practice Section
  • Defense Research Institute’s Insurance Law Committee


  • 11th Circuit Court of Appeals
  • United States District Court – Northern District of Florida
  • United States District Court – Middle District of Florida
  • United States District Court – Southern District of Florida


Starr Indem. & Liab. Co. v. David Rodriguez, 1:19-cv-20097-RS (S.D. Fla. Sept. 29. 2020) (summary judgment entered in favor of insurer after the insured failed to report an accident giving rise to a wrongful death suit for approximately two years; insurer had no obligation to defend or indemnify due to the insured’s breach of the business auto policy’s notice requirements).

Zamora v. Ace Am. Ins. Co., 830 Fed. Appx. 296 (11th Cir. 2020) (affirming summary judgment entered in favor of excess insurer; insurer satisfied its statutory obligation to make $1 million in Uninsured Motorist Coverage available as part of the application and named insured rental car company’s selection of $100,000 coverage limit was binding upon rental car customers).

Starr Indem. & Liab. Co. v. Miami Chocolates, LLC, 17-CV-23626, 2018 WL 4026731, at *8 (S.D. Fla. Aug. 21, 2018) (summary judgment granted in favor of insurer; policy’s breach of contract and trademark infringement exclusions applied to relieve insurer of any duty to defend or indemnify its insured with respect to a claim for unfair competition premised upon the insured’s alleged unauthorized use and display of a trademark and other brand-name items following the termination of a franchise agreement).

QBE Specialty  Ins. Co. v. Scrap., Inc., No. 3:16-cv-00212-MCR-EMT (N.D. Fla., March 2, 2018); aff’d, 806 Fed. Appx. 692, 696 (11th Cir. 2020) (summary judgment granted in favor of insurer; no coverage for $750,000 unallocated verdict where the insured refused to seek allocation despite numerous requests).

Certain Underwriters at Lloyds, London Subscribing to Policy No. SA 10092-11581 v. Waveblast Watersports, Inc., 80 F. Supp. 3d 1311 (S.D. Fla. 2015) (co-primary insurer was required to respond to underlying lawsuit on pro-rata basis by virtue of “other insurance” clauses contained in both policies).

Am. Econ. Ins. Co. v. Traylor/Wolfe Architects, Inc., 3:12-CV-1094-J-32JBT, 2014 WL 3867676 (M.D. Fla. 2014) (summary judgment granted in favor of insurer under business auto policy where the true facts demonstrated that the insured was not operating his vehicle for a business purpose, notwithstanding the false allegations to the contrary in the underlying complaint; insurer had no duty to defend negligence suit arising from catastrophic motorcycle accident).

Ohio Cas. Ins. Co. v. Garden of Eat’n of Tampa, Inc., 8:10-CV-2602-T-33TBM, 2011 WL 3879512 (M.D. Fla. 2011), aff’d, 471 Fed. Appx. 862 (11th Cir. 2012) (summary judgment granted in favor of insurer based upon employers’ liability exclusion).


Liability Mitosis: Creating Multiple Accidents or Occurrences out of One

Join Tampa Partners Jamie Combee Novaes and Kimberly Ramey as they present for the FDLA's 2023 Florida Liability Claims Conference in Lake Buena Vista, FL from June 14-16, 2023. This presentation will explore some of the new and creative arguments being raised in an effort to create multiple accidents or occurrences out of one. Join us for a discussion on the cause theory and how to put it into p...

Examining the Duty to Defend

Of Counsel John Goodwin and Partner Kim Ramey presented an insightful session at the 2023 Butler Insurance Symposium, focusing on the complexities surrounding the insurer's duty to defend. They delved into the general rules governing this analysis and discovered the nuances and exceptions across different jurisdictions, as well as provided insights into the insurer's options for terminating a defe...

The Continuous or Progressive Injury or Damage Exclusion: Why “Timing” is Everything

Tampa Partner Kimberly Ramey and Associate Kyle Goss recently wrote an article that was published in the DRI Brief Case Volume 2 Issue 3. An excerpt from the article can be read below: The “continuous or progressive injury or damage” exclusion works to eliminate coverage for property damage and/or bodily injury that begins prior to the inception of the policy in question, but continues into ...

Butler Proudly Sponsors the 2022 CLM Construction Conference

We are proud to be a Platinum Sponsor for the 2022 CLM Construction Conference. This event will take place from September 21-23, 2022 in San Diego. Partner Denise Anderson will be presenting "Stick To Your Guns: How Changes Can Come Back To Bite You," on September 22nd. In attendance will be Tampa attorneys Ashley Mattingly and Kim Ramey. For over a decade, the CLM Construction Conference has be...

The Assault and Battery Exclusion and the Duty to Defend a Lawsuit Stemming from a Mass Shooting

The Shooting at The Hall Nightclub and Resulting Lawsuits On July 1, 2016, shots were fired inside The Hall nightclub in Palmetto, Florida. Three individuals were shot, and others were trampled as patrons attempted to escape. Multiple lawsuits followed in which the injured patrons sued the owners of The Hall on theories of negligence. In separate suits, the patrons alleged that The Hall was li...

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Breaking: Proposed Amendment to Florida Statutes Creates Right of Contribution for Defense Costs

The Florida Legislature recently created a new cause of action for contribution among co-primary liability insurers. Under this new law, a liability insurer who defends an insured may file suit against other insurers asserting a right of contribution for defense costs. This amendment (creating Florida Statute 624.1055) first appeared as an addition to House Bill 301 proposed by Representative San...

Butler Sponsors DRI Insurance Coverage and Practice Symposium

Butler is proud to be a sponsor for the DRI Insurance Coverage and Practice Symposium on December 5, 2019, in New York, New York. This year’s symposium will give attendees the opportunity to: Engage with a distinguished faculty of insurance industry leaders, experts, and coverage lawyers. Be informed on emerging issues, recent court rulings, national trends, and the future of insurance co...

International Women’s Day – 2019

In celebration of International Women's Day, Butler's female attorneys came together to discuss important female figures in US history. Watch the video below: [embed][/embed]  ...

Plrb Claims Conference- Multiple Claimant Cases: Minimizing Exposure

Butler Partner Kimberly Ramey and Crawford & Company's Patricia Farve presented on "Multiple Claimant Cases: Minimizing Exposure" at the PLRB Claims Conference in Orlando on April 16th and 17th. Kim and Patricia discussed claims involving multiple third-party claimants and insufficient policy limits present unique challenges for claims professionals and attorneys, and the overarching duty of ...

International Women’s Day


Plrb Claims Conference – Multiple Claimant Cases: Minimizing Exposure

Kimberly Ramey from Butler Weihmuller Katz Craig along with co-presenter Jamie Flowers, presented in Boston, MA at the PLRB Claims Conference on the topic of "Multiple Claimant Cases: Minimizing Exposure" on March 27, 2017. ...

Reservation Of Rights Letters For Casualty Claims: Effective Letters And Strategies

Kimberly Ramey presented at the 2016 PLRB Central Regional Adjusters Conference on September 7—8, 2016 in St. Louis, MO. Kimberly spoke on "Reservation of Rights Letters for Casualty Claims: Effective Letters and Strategies"....

This Mediation Is Confidential, Right?

Mediation is an effective dispute resolution tool because it allows participants to openly discuss all aspects of a dispute without the fear of recourse or retribution. Confidentiality is a critical component of this process. Litigants and insurers participating in mediation often proceed under the assumption that all communications and conduct occurring during mediation will be cloaked with pro...

Splitting 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, T...

A 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   [Editor's Note: Fay E. Ryan, is a partner with the law firm of Butler Weihmuller Katz Craig LLP with offices in Charlotte, Miami, Mobile, Tallahassee and Tampa. She is an experienced trial attorney in the firm's Extra-Contractual, Third-Party C...

Kimberly Ramey