Boston University School of Law, J.D.

Middlebury College, B.A.

Phillips Exeter Academy


Kathy focuses on transactional documents, including all types of policies and reinsurance agreements and termination or transfer of such agreements. Some of her most recent projects include:

  • Novations of insurance agreements upon disaffiliation by a hospital within a healthcare system from a Vermont RRG to an offshore-fronted program, including associated collateral transfer.
  • Transfer of a “cell” within a Vermont-sponsored captive to a new pure captive.
  • Negotiation of “fronting” agreements with carriers including Old Republic, CNA, Zurich, Royal Sun Alliance, ACE.
  • Conversion of an association captive to a sponsored (protected cell) captive.
  • Transfer of liabilities from a dissolving captive insurer to a liquidating trust (upon sale of parent company, with all insurance liabilities excluded from the sale).
  • Commutation and Release Agreements with numerous carriers when captives are ready to dissolve and liquidate.
  • Loss portfolio transfer (“LPT”) agreements.
  • Mergers of two captives in and out of U.S. and off-shore jurisdictions, including Vermont, Hawaii, New York, South Carolina, Bermuda and the Cayman Islands.
  • Redomestications of captives from one domicile to another.
  • General representation of over 100 captives, as either general counsel or domiciliary counsel.


U.S. District Court, District of Vermont, 1982

Vermont, 1982

Memberships & Activities

Chittenden County Bar Association

Vermont Bar Association

Chairperson of the Union Mutual Fire Insurance Company

Served a six-year term on the board of directors of the National Risk Retention Association, and a past member of the Board of Directors of the Vermont Captive Insurance Association.

Accolades & Awards

Listed in Best Lawyers®, Corporate Law 2019-2024

Kathy received the AV Preeminent® Peer Review Rating™ from Martindale-Hubbell®, the highest rating possible from one of the oldest and most prestigious lawyer-ranking organizations, and she has been recognized as one of Vermont’s top captive insurance attorneys in Chambers USA continuously since 2011.

Received, with others, the Vermont Captive Insurance Association’s 2007 Industry Service Award for “her career-long commitment to the growth and vitality of the captive insurance industry within the state of Vermont.”

Community Involvement

Burlington Parks Foundation

Vermont YWCA, former board member

Champlain Valley Crimestoppers, former board member


Kathy often speaks on topics of interest to captive insurers, including risk retention groups, at national captive insurance conferences.

Presentations at the VCIA conferences and the NRRA conferences

Compliance Issues for Captives: State Taxation, Regulation and the Nonadmitted and Reinsurance Reform Act of 2010, DRM Webinar (12/15/2011)