William R. Lowe

Founding Director


Bill Lowe was one of the firm’s founding partners in 1976. Bill began his legal career in 1973 with a large insurance defense firm where he acquired a range of experience while specializing in insurance coverage and law and motion. Bill specializes in insurance coverage issues relating to the duties to defend and indemnify actions under various liability policies.

Bill defends both first and third party bad faith actions involving claims handling, coverage, cancellations and statutory liability. He has defended insurers in direct fraud actions and has also defended a number of actions involving alleged unfair claims practices and alleged violations of the Business and Professions Code. His work for insurance companies also includes defending numerous cases involving agency liabilities. Finally, Bill is a seasoned appellate attorney, including many appeals in bad faith actions.

Bill has provided over 5,000 coverage opinions in the insurance coverage area. He has filed and prosecuted countless declaratory relief actions on behalf of insurers and has over 50 trials in declaratory relief actions. He specializes in providing opinions regarding the duty to defend under a liability policy, wrongful termination, sexual harassment, discrimination, breach of contract, battery, infliction of emotional distress, economic damages, policy period, business pursuits, offense based torts, willful conduct and rights regarding independent counsel.

Bill has authored numerous appellate briefs in the areas of insurance coverage, bad faith and substantive liability issues. Bill has over 12 published decisions from the Court of Appeal. Bill has handled a wide variety of specialized tort litigation including malicious prosecution, construction defect, product liability, boundary line disputes, and condominium association issues.


University of California at Berkeley, A.B., 1967
California State University at Los Angeles, M.A., 1968
Loyola University Law School, J.D., 1972

Bar Admissions

California 1972
U.S. District Court for the Central, Eastern, Southern and Northern Districts
Ninth Circuit Court of Appeals

Notable Appellate Decisions

Ramirez v. Nelson, 44 Cal.4th 908 (2008)(amicus curiae)
Wagner v. Singleton¸ 133 Cal.App. 3d 69 (1982)
Pabitzky v. Frager, 164 Cal.App. 3d 401 (1985)
State Farm Fire and Cas. Co. v. Superior Court (Pahl), 191 Cal.App.3d 74 (1987)
Fiorito v. Superior Court, 226 Cal.App.3d 433 (1990)
Stellar v. State Farm General Ins. Co., 157 Cal.App.4th 1498 (1997)


Yearly Insurance Law Casenotes – summaries of all third party and bad faith cases decided in California

Professional Associations

Association of Southern California Defense Counsel
Ninth Circuit Historical Society
U.S. Supreme Court Historical Society


Insurance Law
Insurance Bad Faith
Employment Torts
Construction Law and Coverage

Practice Areas

Insurance Coverage and Litigation
Insurance Claims Handling
Insurance Agency and Bad Faith
Writs and Appeals