Pamela A. Bower

Pamela A. Bower

Attorney Profile

Top Rated Insurance Coverage Attorney in Campbell, CA

Adleson Hess & Kelly, A Professional Corporation
 | 577 Salmar Ave, 2nd Floor, Campbell, CA 95008
Phone: 408-341-0234
Fax: 408-341-0250
Selected To Super Lawyers: 2010 - 2011, 2014 - 2020
Licensed Since: 1990
Practice Areas:
  • Insurance Coverage (70%),
  • General Litigation (30%)
    Attorney Profile

    Pamela A. Bower represents commercial and individual policyholders in litigated and non-litigated coverage and insurance bad faith disputes. Her practice is entirely devoted to insurance coverage and insurance bad faith issues arising from claims for coverage under general liability, employment practices liability, directors and officers liability, professional liability, and excess liability policies, as well as claims under personal lines of coverage including homeowners, automobile, umbrella and other policies.

    Her insurance coverage and bad faith practice extends to all phases of negotiation and civil litigation, including mediation,  arbitration, trial and appeal. 

    Ms. Bower earned her undergraduate degree in English from the University of California, Berkeley and her juris doctor from the Santa Clara University School of Law. She is admitted before all state and federal courts in the state of California. She is a member of the Santa Clara County Bar Association and the Santa Clara County Trial Lawyers Association. She has given numerous presentations on matters of insurance coverage and bad faith to a variety of organizations.

    In addition to her selection for inclusion in Super Lawyers, Ms. Bower is rated AV® Preeminent™ 5.0 out of 5.0, the highest available rating given by Martindale-Hubbell, Inc. (AV® Preeminent™ is a certification mark of Reed Elsevier Properties  Inc., used in accordance with the Martindale-Hubbell® certification procedures, standards and policies). She has been AV-rated since 2002. Ms. Bower is also rated Superb (10.0 out of 10.0) by Avvo®, an online rating site.

    About Pamela Bower

    Admitted: 1990, California

    Professional Webpage:


    • From 2002 to Present - AV Preeminent® 5.0 out of 5.0 Rating received by Martindale-Hubbell.  The AV Preeminent® Rating is the highest rating for legal ability and ethics by Martindale-Hubbell, Inc. (AV Preeminent® is a registered certification mark of Reed Elsevier Properties Inc., used in accordance with the Martindale-Hubbell certification procedures, standards and policies.), AV Preeminent® Rating , Martindale-Hubbell
    • Ms. Bower has received a Superb (10.0 out of 10.0) rating from Avvo TM, an online rating site., Superb (10.0 out of 10.0) Rating, Avvo


    • Confidential/Doe Insurance Company. Obtained payment for fire victims of both the full occurrence (bodily injury) liability limit and the full personal injury (habitability) liability limit in light of both injury and habitability complaints, against fire insurer who argued for payment of single occurrence liability limit only., 2019
    • Confidential v. Doe Insurance Company in Liquidation. Obtained Court reversal of insurance Liquidator's notice of determination of claim value of $0 and entry of an award of the $1,000,000 policy limit plus defense fees and costs incurred by policyholder., 2019
    • Confidential/Doe Life Insurance Company. On behalf of insured organization and the heirs of its deceased employee, obtained contract exception and effective reversal of life insurer's denial of life insurance coverage based upon clerical error omitting deceased employee from list of insured employees, for full payment of insured amounts., 2019
    • Confidential v. Doe Insurance Company. On behalf of individual townhomeowner policyholder, obtained full recovery of damages resulting from extensive water intrusion to interior of unit caused by misdirected downspouts in a townhome complex, after both first party and third party insurers refused coverage on the basis of water and flood exclusions., 2018
    • Gonzalez v. Fire Insurance Exchange, et al. Ms. Bower and co-counsel Randy Hess obtained a reversal of summary judgment by the 6th District Court of Appeal in a case involving Truck Insurance Exchange's failure to defend a policyholder in a suit that included allegations of sexual misconduct. The appellate court ruled in favor of the policyholder, observing that the duty to defend the action was not necessarily eliminated by inclusion of allegations of excluded sexual misconduct, contrary to the position taken by the insurer. This decision affirmed important Supreme Court authority concerning an insurer's duty to defend, that has been almost entirely ignored by insurers and other appellate courts, 2015
    • Confidential v. Doe Insurance Company. Ms. Bower and Mr. Hess obtained a multi-million dollar payment to their client who sued its D&O insurer for breach of contract and bad faith. The insurer had initially denied coverage for losses sustained by a fabless semiconductor company when it was sued by a competitor for solicitation of workforce and disparagement. Ms. Bower obtained a reversal of the denial, but the insurer still refused to pay all covered loss and suit was filed. The insurer ultimately paid a multi-million dollar settlement in resolution of claims based on its initial wrongful denial of coverage and its subsequent delay in payment of policy benefits once coverage was acknowledged, 2014
    • Confidential v. Doe Insurance Company. On behalf of their policyholder client, Ms. Bower and co-counsel Randy Hess successfully negotiated a multi-million dollar confidential settlement for property damage to a fabrication facility, including business interruption losses, under a commercial property policy after coverage had been denied entirely based on the contamination exclusion, 2012
    • Douglas v. Pacific Specialty Insurance Company, San Mateo County Superior Court. On behalf of their policyholder clients, Ms. Bower and co-counsel Randy Hess received an $8 million verdict against an insurer for breach of contract, insurance bad faith, and punitive damages. The jury awarded compensatory damages of $668,604.72, including policy benefits and Brandt fees, and punitive damages of $7,329,395.30. The 12-member jury unanimously found breach of contract, insurance bad faith, and malice, oppression or fraud.

    Educational Background:

    • Santa Clara University School of Law, Juris Doctor, 1990.
    • University of California, Berkeley, A.B. degree in English, 1987.

    Industry Groups

    • Insurance Bad Faith
    • Insurance Coverage
    • Insurance Recovery
    Show More
    Office Location for Pamela A. Bower

    577 Salmar Ave, 2nd Floor
    Campbell, CA 95008

    Pamela A. Bower:

    Last Updated: 2/25/2020

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