Randy J. Maniloff is an attorney at White and Williams, LLP in Philadelphia. He concentrates his practice in the representation of insurers in coverage disputes over primary and excess obligations under a host of policies, including commercial general liability and various professional liability policies. Mr. Maniloff is an adjunct professor, teaching insurance law, at Temple University Beasley School of Law. Mr. Maniloff publishes Coverage Opinions [CoverageOpinions.info], an electronic newsletter that addresses recent insurance coverage developments, looks at the lighter side of the law and features interviews with the nation's most unique, accomplished and celebrated lawyers. For the past twenty years, Mr. Maniloff has published a year-end article that addresses the ten most significant insurance coverage decisions of that year. Mr. Maniloff has published dozens of articles addressing a variety of insurance coverage subjects, is a frequent lecturer at industry seminars and has been quoted on insurance coverage topics by such media as The Wall Street Journal, The New York Times, USA Today, Dow Jones Newswires and Associated Press. He has also published numerous editorials in The Wall Street Journal addressing various legal issues. Mr. Maniloff is a member of The American Law Institute.  He received his B.S., with distinction, in 1988 from Pennsylvania State University and his J.D. in 1991 from Temple University School of Law in Philadelphia.

[Randy expresses his sincere thanks to Frank Balderrama, of Balderrama Design in Sacramento, for the incredible technical and artistic skills that he has long brought to the Coverage Opinions and Key Issues websites. And to Manish Kumar in New Delhi, for his fantastic work turning the 5th edition of Key Issues from a manuscript into a book.]

Jeffrey W. Stempel, the Doris S. & Theodore B. Lee Professor of Law, teaches legal ethics, civil procedure, insurance, and contracts at the William S. Boyd School of Law, University of Nevada Las Vegas. He is the author or co-author of many law journal articles and six previous books, including Fundamentals of Litigation Practice (2014), Fundamentals of Pretrial Litigation (11th ed. 2020), Principles of Insurance Law (5th ed. 2020), Stempel and Knutsen on Insurance Coverage (4th ed. 2016), and Foundations of the Law (1994). A member of the bar in both Minnesota and Nevada, he served on the State Bar of Nevada Committee on Ethics and Professional Responsibility and the Bar's Ethics 2000 Committee. Prior to joining the UNLV law faculty in 1999, he taught at Florida State University College of Law and Brooklyn Law School and has been a practicing attorney and judicial clerk. He is a graduate of the University of Minnesota and the Yale Law School.

Margo E. Meta is an attorney at White and Williams, LLP.  She focuses her practice on advising major property and casualty insurance companies on complex insurance coverage issues under general and professional liability, homeowner's liability, commercial property and excess policies. Ms. Meta has handled a wide variety of coverage and litigation matters, including construction defect (with related risk transfer issues), premises and product liability, business interruption, educator's legal liability, sexual misconduct, rescission and bad faith.  Prior to joining White and Williams, Ms. Meta served as Associate General Counsel for Universal Property and Casualty Insurance Company. Ms. Meta received her B.A., with the highest distinction, from the University of Pittsburgh and her J.D. from Rutgers Law School.