Christine Ann Werner

Senior Attorney


Christine Werner advises insurance industry clients on state and federal regulatory and transactional matters. She helps clients tackle both routine and challenging regulatory issues related to licensing, products, compliance, contracting, holding company transactions, state department of insurance filings, surplus lines industry matters and insolvency matters.


Christine has formed and obtained licenses for insurance companies, HMOs, third party administrators, insurance agencies and other entities, and has assisted clients in complying with ever-changing requirements to maintain such licenses.


Christine helps clients draft major medical and standalone dental products, life insurance products, and property and casualty products. She advises clients on annual rate and form filings through SERFF. 


Christine helps insurance companies, HMOs, third party administrators, and producers (including limited lines producers and surplus lines producers) interpret and comply with state insurance laws, including those related to the regulation of insurance holding companies and transactions among affiliated entities and contracting issues. Christine also has experience advising on the often gray area of what constitutes a product warranty versus a service contract.

Department of Insurance Filings

Christine works with state insurance departments across the country and advises clients with regard to myriad regulatory filings facing the life and health, property and casualty and surplus lines industries. 

Surplus Lines

Christine advises surplus lines brokers with issues related to the ability to charge fees to customers, evaluating the requirements related to surplus lines broker’s diligent effort and declinations obligations, and helping brokers understand the exemptions available when selling to commercial purchasers. 

Factoring Transactions

Christine represents insurers with regard to issues related to the factoring of structured settlement annuity payments, including the assignment of payments, various beneficiary and estate issues, and overpayment recovery.


Bar Admissions


Court Admissions

U.S. District Court for the Eastern District of Michigan
U.S. District Court for the Northern District of Indiana
U.S. District Court for the Southern District of Indiana


Indiana University Robert H. McKinney School of Law
J.D. (1998)

Miami University (Ohio)
B.A. (1994)

Leadership & Community

Professional Associations

  • Indianapolis Bar Association
  • Indiana State Bar Association
  • American Bar Association


  • Judicial Intern to the Honorable David Hamilton, U.S. District Court, Southern District of Indiana
Awards Methodology
No aspect of these recognitions has been approved by the highest court of any state.
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