Robert P. Rutter

Attorney Profile

Top Rated Insurance Coverage Attorney in Cleveland, OH

Rutter & Russin, LLC
 | 4700 Rockside Road, One Summit Office Park, Suite 650
Cleveland, OH 44131
Phone: 216-642-1425
Fax: 216-642-0613
Selected to Super Lawyers: 2010 - 2019
Licensed Since: 1979
Practice Areas:
  • Insurance Coverage (80%),
  • Personal Injury - General: Plaintiff (20%)
Attorney Profile

Bob Rutter is the founder of Rutter & Russin, LLC, located in Cleveland, Ohio. Bob is a nationally recognized leader in insurance coverage law and only represents policyholders, not insurance companies. For over 30 years, he has litigated insurance coverage and insurance bad faith cases, first for insurance companies and for the last 25 years against insurance companies. He handled both of the seminal bad faith cases in Ohio: Zoppo v. Homestead Ins. Co., 71 Ohio St.3d 552, 644 N.E.2d 397, 1994-Ohio-461; and Motorists Mut. Ins. Co. v. Said, 63 Ohio St.3d 690, 590 N.E.2d 1228, 1992-Ohio-94. He handles insurance claims involving fire, water, theft, vandalism, windstorm, life, disability, ERISA, insurance agent negligence, the duty to defend, business income loss, and examinations under oath.

Bob has developed an excellent reputation with his fellow professionals, as evidenced by his receipt of an AV Preeminent* peer review rating through Martindale-Hubbell and a 10.0 "Superb" peer review rating through Avvo. He has also been selected for inclusion in The Best Lawyers in America directory, and he has been certified by the Ohio State Bar Association as a Specialist in Insurance Coverage Law, one of only 20 lawyers in Ohio with this designation.

Bob has written several articles about insurance law for a variety of legal publications, and is a frequent lecturer on insurance coverage law. He is also the past chairperson of the Insurance Law Committee of the Ohio State Bar Association and the Insurance Law Section of the Ohio Association for Justice. 

*AV®, AV Preeminent®, Martindale-Hubbell Distinguished and Martindale-Hubbell Notable are certification marks used under license in accordance with the Martindale-Hubbell certification procedures, standards and policies. Martindale-Hubbell® is the facilitator of a peer review rating process. Ratings reflect the anonymous opinions of members of the bar and the judiciary. Martindale-Hubbell® Peer Review Rating™ fall into two categories – legal ability and general ethical standards.

 
Practice Areas
Lawyer Practice Area Pie Chart

Insurance Coverage (80%): Insurance, Bad Faith Insurance

Personal Injury - General (20%): Personal Injury - Plaintiff, Wrongful Death

Focus Areas

Insurance, Bad Faith Insurance, Personal Injury - Plaintiff, Wrongful Death

Selections

Selected to Super Lawyers for 10 yearsbottom-image

Super Lawyers: 2010 - 2019

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About Robert Rutter

Admitted: 1979, Ohio

Professional Webpage: http://www.ohio-insurance-lawyer.com/bob-rutter-cleveland-at...

Honors/Awards:

  • Lifetime Achievement Award, Ohio Association for Justice, Annual Convention, 2017
  • Best Lawyers Cleveland Insurance Law Lawyer of the Year, 2016
  • Super Lawyers, Insurance Coverage, 2010-2018
  • The Best Lawyers in America, Insurance Law, 2015-2018
  • Avvo Rated 10 out of 10
  • AV Preeminent Rated in Martindale-Hubbell Law Directory

Special Licenses/Certifications:

  • Certified Specialist in Insurance Coverage Law, Ohio State Bar Association, 2017

Bar/Professional Activity:

  • U.S. District Court Northern District of Indiana, 1994
  • U.S. District Court Southern District of Indiana, 1993
  • U.S. District Court Southern District of Ohio, 1983
  • U.S. District Court Northern District of Ohio, 1980
  • Ohio, 1979
  • U.S. District Court, Western District of Pennsylvania
  • Sponsor, United Policyholders
  • International Association of Arson Investigators, Ohio Chapter
  • Member, Cleveland Metropolitan Bar Association, Insurance Law Section
  • Trustee, Ohio Association for Justice, 1998-2002
  • Chairman, Ohio Association for Justice, Insurance Law Section, 1993-1995
  • Vice-Chairman, Ohio Association for Justice, Insurance Law Section, 1991-1993
  • Member, American Bar Association, Insurance Coverage Litigation Committee
  • American Bar Association, Tort Trial and Insurance Practice Section
  • Member, Ohio Association for Justice
  • Trustee, Cleveland Academy of Trial Attorneys, 1994-1996
  • Associate Member, National Association of Public Insurance Adjusters
  • Chairman, Insurance Coverage Specialization Committee, Ohio State Bar Association, 2009-2014
  • Chairman, Ohio Academy of Trial Lawyers, Insurance Law Section 1993-1995
  • Ohio Academy of Trial Lawyers, Trustee 1998-2002
  • Vice-Chairman, Ohio Academy of Trial Lawyers, Insurance Law Section, 1991-1993
  • Member, Jury Instruction Committee, Ohio State Bar Association
  • Chairman, Insurance Law Committee, Ohio State Bar Association, 2010-2012

Pro bono/Community Service:

  • United Way of Greater Cleveland, Risk Management Committee

Scholarly Lectures/Writings:

  • "Presenting Evidence of Consequential and Punitive Damages", ABA Propery Insurance Law Committee, Litigating the Complex Commercial Property Insurance Claim, 2015
  • "Interpreting Insurance Policies for Fun and Success: How to Find Ambiguity in Insurance Policies Using Grammar Rules You Ignored in High School", First Party Claims Conference, 2015
  • Bad Faith Strategies and Tactics: Do Bad Faith Allegations Move the Needle?", Cuyahoga Metropolitan Bar Association, 2015
  • "Taming the ERISA Beast: Contesting the Denial of ERISA Insurance Claims", Cleveland Metropolitan Bar Journal, 2015
  • "Conditions and Exclusions: When is a Property Vacant?" The Ohio Association for Justice, 2014
  • "Understanding Your Professional Liability Policy: What You Need to Know" Cleveland Metropolitan Bar Journal, 2014
  • "Professional Liability Claims Against Independent Adjusters and Public Adjusters: What You Need to Know" First Party Claims Conference, Rhode Island, 2013
  • "Bifurcation Issues in Bad Faith Litigation" Lake County Bar Association , 2012
  • "Insurance Agent Liability" Oswald Companies, 2011
  • "Issues in Insurance Bad Faith Litigation" Ohio Common Pleas Judges Association Conference, 2011
  • "Developments in Insurance Coverage Litigation" Stark County Bar Association, 2011
  • "Homeowners Insurance Coverage" Ohio State Bar Association Insurance Law Seminar, 2009
  • "Insured's Cooperation and Duties-How to Prevent a Problem" First Party Claims Conference, Rhode Island, 2009
  • "Bad Faith Update: Is There Life After Tort Reform?" Cleveland Academy of Trial Attorneys, 2008
  • "Fire & Property Insurance" Ohio State Bar Association Insurance Law Seminar, 2008
  • "Competing Arguments in a Fire Claim Investigation" National Society of Professional Insurance Investigators Annual Convention, 2006
  • "A Lamb in Wolf's Clothing: The Insurer's Duty to Defend Business Torts" Ohio Lawyer, 2004
  • "First and Third Party Insurance Coverage Claims for Damage Caused by Mold" Association of Trial Lawyers of America, 2004
  • "Hot Issues in Insurance Law" Ohio Academy of Trial Lawyers Insurance Law Seminar, 2003
  • "What's New in Bad Faith" Ohio State Bar Association Annual Convention, 2003
  • "Toxic Mold Litigation" Cleveland Bar Association, 2002
  • "Settling the Automobile Property Damage Claim" Ohio Academy of Trial Lawyers Insurance Law Seminar, 2001
  • "Bad Faith Considerations in Fire and Arson Claims" American Bar Association, Arson & Fire Investigation Seminar, 1999
  • "Insurance Coverage for Intentional Torts" Ohio Academy of Trial Lawyers Insurance Law Seminar, 1998
  • "Current Developments in Insurance Law" Cleveland-Marshall Law Alumni Association, 1996
  • "Bad Faith Litigation in Ohio" National Business Institute, 1996
  • "Insurance Bad Faith In Ohio after Zoppo: Where Are We? Ohio Trial, 1995
  • "Savoie Update" Ohio Academy of Trial Lawyers Regional Seminar, 1995
  • "Misconceptions About Insurance Bad Faith" Jefferson County Bar Association, 1995
  • "Lawsuits Against Insurance Companies" Mahoning-Trumbull Counties Academy of Trial Lawyers, 1993
  • "Anatomy of the Homeowner's Policy" Ohio Academy of Trial Lawyers Insurance Law Seminar, 1993
  • "Fire Insurance Law" Ohio Trial, 1993
  • "Procedural Aspects of Uninsured Motorists Cases After Schaefer v. Allstate" Ohio Academy of Trial Lawyers Annual Convention, 1993
  • "Insurance Company Bad Faith - The Insured's Perspective" National Society of Professional Insurance Investigators, 1991
  • "Fire and Property Insurance" Ohio Academy of Trial Lawyers Annual Convention, 1991
  • "Insurance Bad Faith" Ohio Academy of Trial Lawyers Annual Convention, 1991
  • "Unfair Insurance Practices in Uninsured Motorist Claims" Ohio Academy of Trial Lawyers Insurance Law Seminar, 1989
  • "Recovery in Ohio for Fear of Cancer and Increased Risk of Cancer" Ohio Academy of Civil Trial Attorneys Journal, 1987
  • Fire and Property Insurance, Ohio State Bar Association Insurance Law Seminar, 2008

Verdicts/Settlements:

  • Sherry v. Hartford Life & Accident Ins. Co., 314 F.Supp.2d 714 (N.D. Ohio 2004), Disability claim under ERISA
  • Mayle v. Allstate Ins. Co., 2007 WL 437887 (N.D. Ohio), Fire insurance claim
  • Solomon v. Medical Mut. of Ohio, 2009 WL 3086483 (N.D. Ohio), Disability claim under ERISA
  • Corbo Properties, Ltd. v. Seneca Ins. Co., 771 F.Supp.2d 877 (N.D. Ohio 2011), Fire insurance claim
  • Barbour v. Household Life Ins. Co., 2012 WL 1109993 (N.D. Ohio), Life insurance application misrepresentation
  • Taylor v. Fidelity National Ins. Co., 2012 WL 6027792 (N.D. Ohio), Fire insurance claim
  • Hartford Casualty Ins. Co. v. Bluemile, Inc., 2013 WL 1090329 (S.D. Ohio), Court's discretion to decide declaratory judgment action
  • Weber v. General Acc. Fire & Life Assur. Corp., 10 Ohio App.3d 305, 462 N.E.2d 422 (6th Dist. 1983), Fire insurance claim dealing with adequacy of notice for examination under oath
  • Ambrose v. State Farm Fire & Cas., 70 Ohio App.3d 797, 592 N.E.2d 868 (9th Dist. 1990), Homeowner's insurance claim for collapsed porch
  • Trudeau v. R & B Trucking, 1991 WL 237 (8th Dist. 1991), Automobile accident claim
  • Grange Mut. Cas. Co. v. Messner, 1994 WL 263267 (9th Dist. 1994), Uninsured motorist claim resulting from the wrongful death of a child
  • Mapletown Foods, Inc. v. Motorists Mut. Ins. Co., 104 Ohio App.3d 345, 662 N.E.2d 48 (8th Dist. 1995), Commercial claim for loss to frozen goods resulting from a power interruption
  • Danny Boy Farm Market, Inc. v. Coniglio Agency, 1996 WL 199849 (8th Dist. 1996), Insurance agency negligence in underinsuring a commercial business
  • Barnett v. Connecticut Mut. Life Ins. Co., 1996 WL 284878 (8th Dist. 1996), Disability insurance claim
  • Ragone v. Sentry Ins. Co., 121 Ohio App.3d 362, 700 N.E. 2d 48 (8th Dist. 1997), Commercial fire insurance claim
  • Maric v. Adams, 2000 WL 523007 (11th Dist. 2000), Uninsured motorist wrongful death claim
  • CSS Publishing Co. v. Am. Economy Ins. Co., 138 Ohio App.3d 76, 740 N.E.2d 341, 2000-Ohio-1863 (3rd Dist. 2000), Commercial fire insurance claim
  • Washington v. Citizens Sec. Mut. Ins. Co., 2000 WL 1369860 (8th Dist. 2000), Uninsured motorist claim for wrongful death caused by hit-skip
  • Brendle v. Auto Owners Mut. Ins. Co., 2001 WL 166469 (5th Dist. 2001), Commercial water loss claim
  • Reitz v. Zurich American Ins. Co., 2004-Ohio-967 (9th District), Uninsured motorist claim for wrongful death of a college student by a drunk driver
  • Gerace-Flick v. Westfield Natl. Ins. Co., 2002-Ohio-5222 (7th District), Homeowner's fire insurance claim; insurance agent negligence
  • Blackwell v. Farmers Ins. Exchange, 2005-Ohio-3499 (4th District), Homeowner's fire insurance claim
  • Polk v. Landings of Walden Condominium Assoc., 2005-Ohio-4042 (11th District), Homeowner's insurance claim seeking coverage for toxic mold
  • Simon v. Encompass Ins. Co., 2005-Ohio-5727 (8th District), Homeowner's insurance claim for basement cave-in
  • Cincinnati Ins. Co. v. CPS Holdings, Inc., 2006-Ohio-713 (8th District), Duty to defend of both primary and umbrella insurers
  • Moor v. American Family Ins. Co., 2009-Ohio-4442 (3rd District), Insurance agent negligence
  • Dunson v. Homeowners Ins. Co., 2010-Ohio-1928 (3rd District), UM family member exclusion
  • Frazier v. American Family Ins. Co., 2010-Ohio-3733, 2010 WL 316384 (8th District), Mandatory appraisal of fire loss
  • Miller v. Motorists Mut. Ins. Co., 196 Ohio App.3d 753, 965 N.E.2d 369, 2011-Ohio-6099 (11th District), Number of accidents for purpose of applying split limits of liability policy
  • Third Wing, Inc. v. Columbia Casualty Co., 2012-Ohio-2393 (8th District), Indemnification for attorney fees
  • World Harvest Church v. Grange Mut. Cas. Co., 2013 WL 6843615 (10th District), Allocation of verdict; duty to settle; insurability of punitive damages
  • Newman v. United Ohio Ins. Co., 68 Ohio St.3d 170, 624 N.E.2d 728, 1994-Ohio-507 (amicus), Intra-family stacking in the context of an underinsured motorist claim
  • Motorists Mut. Ins. Co. v. Brandenburg, 72 Ohio St.3d 157,648 N.E.2d 488, 1995-Ohio-281 (amicus), Precedent setting decision that allowed insured to recover attorney fees in declaratory judgment action
  • Boone v. Vanliner Ins. Co., 91 Ohio St.3d 209, 744 N.E.2d 154, 2001-Ohio-27 (amicus), Precedent setting decision that allowed complete discovery of attorney-insurer communications in a bad faith case
  • Anderson v. Highland House Co., 93 Ohio St.3d 547, 757 N.E.2d 329, 2001-Ohio-1607 (amicus), Precedent setting decision that limited the scope of the standard pollution exclusion
  • Cincinnati Ins. Co. v. Colelli & Assoc., Inc., 95 Ohio St.3d 325, 767 N.E.2d 717, 2002-Ohio-2214 (amicus), Scope of an insurer's duty to defend
  • Motorists Mut. Ins. Co. v. Said, 63 Ohio St.3d 690, 590 N.E.2d 1228, 1992-Ohio-94, Insurance bad faith in an uninsured motorist claim
  • Zoppo v. Homestead Ins. Co., 71 Ohio St.3d 552, 644 N.E.2d 397, 1994-Ohio-461, Precedent setting fire insurance case that redefined insurance company bad faith
  • Roman v. Estate of Gobbo, 99 Ohio St.3d 260, 2003-Ohio-3655 (amicus), Unsuccessful attempt to overrule the sudden medical emergency defense
  • Penn Traffic Co. v. AIU Ins. Co., 99 Ohio St.3d 227, 2003-Ohio-3373, Insurance coverage for employer intentional tort
  • Cincinnati Ins. Co. v. CPS Holdings, Inc., 115 Ohio St.3d 306, 2007-Ohio-713, Duty to defend business tort
  • Miller v. Motorists Mut. Ins. Co., 2012-Ohio-4959, Number of accidents for purpose of applying split limits of liability policy
  • Neal-Petit v. Lahman, 125 Ohio St.3d 327, 928 N.E.2d 421, 2010-Ohio-1829 (amicus), Insurance coverage for attorney fee award

Educational Background:

  • Ohio State University, Columbus, Ohio, B.S. in Accounting, 1975

Industry Groups

  • ABA
  • CATA
  • CMBA
  • IAAI
  • NAPIA
  • OAJ
  • OSBA
  • United Policyholders
Office Location for Robert P. Rutter

4700 Rockside Road
One Summit Office Park, Suite 650
Cleveland, OH 44131

Phone: 216-642-1425

Fax: 216-642-0613

Robert P. Rutter:

Last Updated: 4/30/2018

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