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The law of insurance coverage and bad faith is constantly evolving, and Baker Sterchi Cowden & Rice is a trusted advisor and advocate for clients operating in all lines of the insurance and reinsurance business, including property and casualty, life, accident and health, management and professional liability, financial lines, surety and financial guaranty. Our firm has a vibrant insurance practice, providing quality representation to national and international insurers in matters of coverage opinions, garnishments, declaratory judgment actions, and bad faith and extra-contractual claims. Our attorneys have decades of experience and a commitment to outstanding client service that exceeds expectations.


Baker Sterchi’s insurance attorneys draw upon an active and successful litigation practice with substantial trial experience at both the state and federal levels that is not limited to insurance matters, but extends to a wide range of general civil trial practice. We know more than coverage law – we are well-versed in the underlying substantive law. We are a trial firm, and our coverage analysis is informed by real-world experience trying cases.

Baker Sterchi is headquartered in one of the most unfavorable jurisdictions for insurers facing coverage litigation and bad faith and extra-contractual claims, and has considerable experience recognizing the bad faith setup and helping insurers avoid it.  We have a record of demonstrated success trying coverage and bad faith cases, and have helped to shape the law through appellate victories and relationships with legislators to advance legislative reforms.

We have been trusted to manage national litigation for our clients, and have the capabilities and drive to serve our clients’ needs both locally and nationally, at competitive rates. Certain members of our insurance practice group have joined us from some of the largest and most successful law firms, where they handled high-stakes, high-profile, complex litigation for Fortune 100 companies, and now bring that experience and insight to obtain first-class results for clients in a more cost-effective and efficient environment. 

Our attorneys frequently speak and publish on matters of concern to insurers and claims administrators, and are active in leadership roles in trade and professional associations dedicated to the insurance industry. We deliver a thorough understanding of insurance coverage issues and a sensitivity to our clients’ business realities.

News & Events

Baker Sterchi Welcomes Travis McDonald in St. Louis

07.08.20 | Travis McDonald joins Baker Sterchi's St. Louis office as an associate. His practice is focused on litigation with an emphasis in insurance defense in product liability, premises liability, and personal injury claims

Richard Woolf to Speak at PLRB Webinar Addressing Auto Accidents with Significant Damages

05.11.20 | Baker Sterchi attorney Richard Woolf will present at the Property & Liability Resource Bureau (PLRB) webinar, "Minor Auto Accidents: Major Damage" on May 14, 2020. This webinar will address the inner workings of a minor motor vehicle accident claim that turned into a claim for significant damages and the claim/litigation handling of the incident.

Odom to Speak on Covid-19 Business Impacts

04.17.20 | Baker Sterchi Member Greg Odom will be speaking on Covid-19 business impacts on Wednesday, April 22 at 9:30 AM CST. The webinar "Covid-19, the Law, and Your Business: A Legal Analysis of the Executive Orders Issued in Response to Covid-19"...

Higgins to Serve as Panelist on Webinar with COVID-19 Business Disruptions Focus

04.08.20 | On Tuesday, April 14th at 12:00 PM CST, Baker Sterchi Member Angela Higgins will serve as a panelist on a webinar focused on business disruptions occurring as a result of the COVID-19 pandemic.

Angela Higgins Named President of KBA Insurance Law Section

12.23.19 | Angela Higgins has been named President of the Kansas Bar Association's Insurance Law Section. Founded in 1882, the Kansas Bar Association is a voluntary association of 7,200 member lawyers, judges, law students, and paralegals. Insurance Law Section members are...

Baker Sterchi Adds Jennifer Maloney in St. Louis

10.29.19 | Jennifer Maloney has joined the St. Louis office of the law firm of Baker Sterchi Cowden & Rice LLC as a Member. Maloney's practice is focused on civil litigation defense, primarily in the areas of premises liability, product liability, personal injury and transportation.

Angela Higgins Named Marketing Chair of Insurance Practice Group

07.18.19 | Angela Higgins has been named the Marketing Chair of ALFA International's Insurance Practice Group, where she will help set defined long-term business development goals for the group and facilitate action on those goals.

Jessica Cozart Joins St. Louis Office of Baker Sterchi Cowden & Rice

07.11.19 | Baker Sterchi Cowden & Rice is pleased to welcome Jessica Cozart to the firm's St. Louis office. Cozart joins the firm as Of Counsel, practicing in the areas of property and casualty litigation, insurance coverage and insurance defense involving claims of personal injury, premise and products liability, construction defects, food & beverage liability and entertainment & leisure liability.

Blog Posts

Can You Compel Arbitration? You May Have the Right to Ask Your Arbitrator

07.09.20 | Missouri Court of Appeals compels arbitration, where the parties agreed to submit threshold issues of arbitrability to a third-party neutral rather than the court.

Insurance Claims in the time of COVID-19

04.20.20 | A recent Pennsylvania Supreme Court decision upholding COVID-19 stay-home order could provide a preview of the battle lines between business policyholders and insurers regarding what constitutes "property damage" for business interruption insurance policies.

Personal Jurisdiction in Missouri: Just One Touch May be Enough

12.04.19 | Missouri courts may exercise personal jurisdiction over a foreign corporation when the corporation has made at least one contact with Missouri and Plaintiff's tort cause of action arises out of that contact.

Insurer Joins Long, Strange Legal Trip of a Used Car Dealer's Legacy in Missouri Law

08.07.19 | The epic legal saga of a Clay County used car dealer's deceptive "Drive for Life" promotion continues, with a buyer bringing the fight to the dealer's insurer in the Missouri Court of Appeals for the Western District.

Second Update: Hopping On The Missouri Bandwagon? Not So Fast Out Of State Litigants.

07.16.19 | SECOND UPDATE: Missouri Governor Mike Parson signs Senate Bill 7, which amends venue and joinder laws, to prevent out of state plaintiffs from litigating their cases in an inappropriate venue.

Update: Hopping on the Missouri Bandwagon? Not so Fast Out-of-State Litigants.

05.20.19 | UPDATE: House Passes Senate Bill 7, in which the Missouri legislature seeks to amend venue and joinder laws, to prevent out of state plaintiffs from litigating their cases in an inappropriate venue.

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