Phelps Dunbar LLP Logo
  • Services
  • Insights
  • Professionals
Phelps Dunbar LLP Logo
  • Services
  • Insights
  • Professionals
  • ABOUT US
  • LOCATIONS
  • SUSTAINABILITY
  • CAREERS
  • Practices
  • Industries
    Erin Raschke photograph

    Erin M. Raschke

    Partner

    Tampa
    London
    813-472-7587
    erin.raschke@phelps.com
    Areas Of Focus
    InsuranceAppellate

    Erin Raschke exclusively represents insurers and their agents and focuses on complex insurance coverage, counseling and litigation, including advising and defending insurers from allegations of “bad faith.” She routinely represents surplus lines and admitted, both foreign and domestic, insurance carriers in state and federal court, including at the appellate level, in third-party coverage matters involving:

      • Commercial auto
      • Commercial general liability
      • Errors and omissions
      • Premises liability
      • Professional liability
      • Specialty lines

    She also handles first-party coverage disputes under disability insurance policies.

    Erin helps insurers navigate liability coverage matters such as the duty to defend and duty to indemnify. She also advises on time-limited and other settlement demands from third-party claimants and best practices for excess exposure and multiple-claimant situations where insurance coverage is limited. She works with clients on claims arising in a number of states outside of Florida, including Alabama, Arizona, Arkansas, California, Georgia, Illinois, Massachusetts, Michigan, New York, Oklahoma, South Carolina, Washington State and West Virginia. She also provides claim handling advice to insurers regarding third-party claims brought in Florida involving incidents that occurred in the Caribbean and international policies.

    In addition, Erin has represented surplus lines insurers and their managing agents in Florida regarding regulatory and compliance issues arising under the Florida Surplus Lines Law, including handling class action litigation at the appellate level.

    In 2016, Erin completed a secondment in the London insurance market, where she assisted and advised the liability claims team of a leading Lloyd’s syndicate on a broad range of liability claims at all phases of the claims process, from investigation and adjustment to coverage analysis, litigation and resolution.

    Erin also lends her appellate experience to help the firm’s other practice groups with appellate litigation. She has handled appeals and presented oral argument in Florida’s District Courts of Appeal and in the Eleventh Circuit.

    She also handles first-party coverage disputes under disability insurance policies.

    Erin helps insurers navigate liability coverage matters such as the duty to defend and duty to indemnify. She also advises on time-limited and other settlement demands from third-party claimants and best practices for excess exposure and multiple-claimant situations where insurance coverage is limited. She works with clients on claims arising in a number of states outside of Florida, including Alabama, Arizona, Arkansas, California, Georgia, Illinois, Massachusetts, Michigan, New York, Oklahoma, South Carolina, Washington State and West Virginia. She also provides claim handling advice to insurers regarding third-party claims brought in Florida involving incidents that occurred in the Caribbean and international policies.

    In addition, Erin has represented surplus lines insurers and their managing agents in Florida regarding regulatory and compliance issues arising under the Florida Surplus Lines Law, including handling class action litigation at the appellate level.

    In 2016, Erin completed a secondment in the London insurance market, where she assisted and advised the liability claims team of a leading Lloyd’s syndicate on a broad range of liability claims at all phases of the claims process, from investigation and adjustment to coverage analysis, litigation and resolution.

    Erin also lends her appellate experience to help the firm’s other practice groups with appellate litigation. She has handled appeals and presented oral argument in Florida’s District Courts of Appeal and in the Eleventh Circuit.

    Experience

    • Obtained favorable settlement after filing declaratory judgment action and leveraging coverage defenses for general liability insurer regarding catastrophic injury claim against insured watersports company.
    • Along with several Phelps colleagues, provided coverage advice to international liability insurers regarding U.S. coverage issues arising out of thousands of toxic tort suits filed against Fortune 500 insured.
    • Prepared briefing and presented oral argument to Florida’s Second District Court of Appeal, and obtained affirmance of foreclosure, while assisting Phelps’ business group in representing county in appeal from foreclosure order.
    • Represented general liability insurer in declaratory judgment action regarding coverage. After obtaining summary judgment confirming lack of coverage and award for reimbursement of incurred defense fees and costs in insurer’s favor at the trial court level, presented oral argument to Eleventh Circuit Court of Appeals and obtained affirmance of attorney’s fee and cost award. 
    • Along with two other partners at Phelps, represented insurers and their agents in class action litigation in which plaintiffs alleged the defendants acted in concert to sell plaintiffs a worthless insurance product in violation of the Florida Insurance Code. After prevailing at the trial court level on a motion to dismiss, obtained affirmance from the Eleventh Circuit Court of Appeals on grounds that all but one of the statutes plaintiffs relied upon did not provide a private right of action, and the remaining alleged violation failed on the merits.
    • Prevailed on appeal after obtaining summary judgment in UM/UIM carrier’s favor in the trial court on grounds that carrier and insured entered into valid and enforceable settlement agreement before insured filed suit.
    • Obtained summary judgment in favor of general liability insurer in declaratory judgment action based on policy’s athletic participants exclusion, resulting in ruling that insurer did not have a duty to defend or indemnify insured for underlying catastrophic injury claim.
    • Obtained summary judgment for insurer in first-party coverage suit on grounds that the damaged property was not scheduled or properly added to policy prior to the fire.
    • Obtained summary judgment for insurer in first-party bad faith suit on grounds that (1) the Civil Remedy Notice filed on behalf of the insured was deficient due to lack of specificity and (2) the insurer cured any alleged violations by demanding appraisal within the 60-day cure period and timely paying the appraisal award.
    • Prevailed on appeal after obtaining summary judgment in UM/UIM carrier’s favor in the trial court on grounds that carrier and insured entered into valid and enforceable settlement agreement before insured filed suit.
    • Obtained summary judgment in favor of general liability insurer in declaratory judgment action based on policy’s athletic participants exclusion, resulting in ruling that insurer did not have a duty to defend or indemnify insured for underlying catastrophic injury claim.
    • Obtained summary judgment for insurer in first-party coverage suit on grounds that the damaged property was not scheduled or properly added to policy prior to the fire.
    • Obtained summary judgment for insurer in first-party bad faith suit on grounds that (1) the Civil Remedy Notice filed on behalf of the insured was deficient due to lack of specificity and (2) the insurer cured any alleged violations by demanding appraisal within the 60-day cure period and timely paying the appraisal award.

    Insights

    • August 15, 2024

      185 Phelps Lawyers Chosen for Best Lawyers in America, 20 Named "Lawyer of the Year," 26 Added to “Ones to Watch” List…

    • August 17, 2023

      Best Lawyers in America Selects 208 Phelps Lawyers, Names 12 "Lawyer of the Year," Adds 47 to "Ones to Watch" List…

    More +
    • January 17, 2023

      Phelps Announces Election of New Partners …

    • August 18, 2022

      Best Lawyers in America Selects 158 Phelps Lawyers, Names 10 "Lawyer of the Year," Adds 40 to "Ones to Watch" List…

    • June 24, 2021

      16 Phelps Attorneys Make Florida’s 2021 Super Lawyers and Rising Stars Lists…

    Recognition

    • Florida Super Lawyers Rising Stars, Super Lawyers (2010, 2015, 2021)
    • Insurance Law (2021-2025), The Best Lawyers in America
    • Florida Super Lawyers Rising Stars, Super Lawyers (2010, 2015, 2021)
    • Insurance Law (2021-2025), The Best Lawyers in America

    Education

    • Florida State University College of Law, J.D., magna cum laude, 2005
    • Florida State University, B.S., Psychology, summa cum laude, 2002
    • Florida State University College of Law, J.D., magna cum laude, 2005
    • Florida State University, B.S., Psychology, summa cum laude, 2002

    Credentials

    • Florida
    • U.S. Court of Appeals for the Eleventh Circuit
    • U.S. District Court, Northern District of Florida
    • U.S. District Court, Middle District of Florida
    • U.S. District Court, Southern District of Florida
    • Judicial Law Clerk for Hon. Joseph Lewis, Jr., First District Court of Appeal of Florida
    • Florida
    • U.S. Court of Appeals for the Eleventh Circuit
    • U.S. District Court, Northern District of Florida
    • U.S. District Court, Middle District of Florida
    • U.S. District Court, Southern District of Florida
    • Judicial Law Clerk for Hon. Joseph Lewis, Jr., First District Court of Appeal of Florida

    Memberships and Affiliations

    • Florida Bar
    • Florida Bar
    • Overview
    • Experience
    • Insights
    • Recognition
    • Education
    • Credentials
    • Memberships and Affiliations

    Related Services

    • Insurance
    • Appellate
    • Insurance
    Stay connectedReceive our latest thinking on topics you care about.SIGN UP NOW
    • ©2025 Phelps Dunbar LLP. All Rights Reserved
    • Lawyer Advertising
    • Privacy & Disclaimer
    • Contact Us
    © 2025 Phelps Dunbar LLP. All Rights Reserved