Hilary Rowen brings strong analytic skills and more than three decades of experience as an insurance regulatory lawyer to her practice. She is a creative problem-solver for property and casualty and health and life insurers on a broad spectrum of complex regulatory issues. Hilary frequently writes and speaks on cutting edge insurance issues. In the past few years, she has focused on the insurance implications of emerging technologies, including self-driving cars, transportation network companies and drones.

Hilary advises clients on insurance regulatory compliance issues and market conduct examinations and represents insurers in enforcement actions by insurance regulators. She also represents insurers in unfair trade practice lawsuits and class action litigation with significant regulatory issues. Hilary advises clients on the structure of insurer groups and drafts intercompany agreements between insurers under common control. She obtains regulatory approvals for licensure, mergers and acquisitions, surplus note issuances, intercompany agreements and other transactions.

Hilary has handled numerous contest rate hearings involving property and casualty rates for personal and commercial lines and health insurance rates for individual and Medicare Supplement products. In addition to rate hearings, she advises insurers on rate regulation and rate structure issues and represents clients in rate regulation rule making proceedings. Hilary provides advice on excess and surplus lines regulatory issues and on compliance issues facing reinsurers in US jurisdictions. She also provides advice on captive reinsurer and risk retention group arrangements.

Hilary has experience in drafting proposed legislation and regulations. She drafts testimony in connection with formal rulemaking proceedings, participates in insurance department pre-rulemaking workshops and engages in discussions with regulators on complex regulatory issues. She advises insurers on compliance requirements posed by new statutes and regulations and assists her clients in crafting and implementing practical solutions. She has also represented insurers in judicial challenges to unlawful regulations.


  • California


  • J.D., cum laude, Harvard Law School, 1979
  • M.P.P., Harvard University, John F. Kennedy School of Government, 1979
  • B.A., with honors, Stanford University, 1974


  • ABA Tort Trial & Insurance Practice Section (TIPS):
    • Observer to the Uniform Law Commission Drafting Committee on Highly Automated Vehicles
    • Observer to the Uniform Law Commission Study Committee on Event Data Recorders (EDRs) in Cars
    • Insurance Regulation Committee — vice chair and past chair