Abigail C. Horvat

Associate

Recent Publication:

When AI Denies, Insurance Bad Faith Claims May Follow

Tiffany Bustamante and Abigail C. Horvat co-authored the expert analysis column titled "When AI Denies, Insurance Bad Faith Claims May Follow" for Law360.

Abigail represents international and domestic insurers in complex insurance coverage matters, arbitration and litigation involving directors & officers liability, employment practices liability, professional liability and commercial general liability claims. Abigail handles coverage litigation in state and federal courts across the country. She also assists commercial carriers in responding to first-party and third-party cyber insurance claims involving ransomware, fraudulent transfers, and social engineering, as well as overseeing vendor retention for appropriate breach notification and response efforts. She regularly presents on the impact of artificial intelligence and other technological resources on professional industries including, most recently, teaching a course at University of Florida Fredric G. Levin College of Law titled, “AI and Insurance Law: Legal Challenges, Compliance, & Industry Transformation.”

Abigail began her legal career as a coverage associate with an Am Law 100 firm well-known for its strength in insurance litigation. As a result, Abigail has developed a wealth of experience handling litigation involving premises liability and bodily injury claims concerning active worksites, construction injuries, and contractor disputes. She also has experience handling matters involving motor carrier liability policies, including the application of MCS-90 endorsements in claims involving the transport of goods and services in interstate commerce. 

Abigail earned her B.A. from Ohio Wesleyan University and her J.D. from DePaul University College of Law. She also obtained a Certificate of Criminal Law. While participating in her law school's Criminal Appeals Legal Clinic, she successfully overturned her client’s conviction in a published decision from the First District. Abigail's familiarity with criminal procedure helps her to advise insurers in connection with claims involving simultaneous criminal and civil investigations. 

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Experience

News

Abigail Horvat Appointed to Two Committee Leadership Roles in the ABA Tort Trial and Insurance Practice Section (TIPS)

August 29, 2025

Abigail Horvat, an associate of Cozen O'Connor's Global Insurance Department, has been appointed to two committee leadership positions within the American Bar Association’s Tort Trial and Insurance Practice Section (TIPS) for the 2025–2026 year.

Best Lawyers Honors More Than 250 Cozen O'Connor Attorneys in Best Lawyers in America 2026 Edition

August 21, 2025

Best Lawyers selected more than 250 Cozen O'Connor lawyers from 26 of the firm's US offices for inclusion in the 2026 edition of The Best Lawyers in America.

Best Lawyers Honors More Than 200 Cozen O'Connor Attorneys in its Best Lawyers in America 2025 Edition

August 15, 2024

Best Lawyers selected 242 Cozen O’Connor lawyers from 24 of the firm’s U.S. offices for inclusion in the 2025 edition of The Best Lawyers in America and Best Lawyers: Ones to Watch in America.

Publications

When AI Denies, Insurance Bad Faith Claims May Follow

September 12, 2025

Tiffany Bustamante and Abigail C. Horvat co-authored the expert analysis column titled "When AI Denies, Insurance Bad Faith Claims May Follow" for Law360.

When Algorithms Deny: AI and the New Frontier of Bad Faith [Avoiding Insurance Bad Faith Blog]

August 22, 2025

As industries across the board adopt artificial intelligence (AI), insurers have likewise recognized its potential to enhance efficiency in claims administration. Yet with this opportunity comes tension: consumers expect both swift resolution of claims and individualized attention. AI can help...

The Latest On Louisiana’s Bad Faith and Claims-Handling Statutes [Avoiding Insurance Bad Faith Blog]

March 20, 2025

On July 1, 2024, the widespread changes to Louisiana insurance law took effect after Governor Jeff Landry signed Senate Bill No. 323 into law as “Act No. 3” (hereafter, the “Act”). With the first anniversary of the Act rapidly approaching, this blog will summarize the old and the new with...

Next Steps for an Excess Insurer After an Unsuccessful Hammer Letter [Avoiding Insurance Bad Faith Blog]

July 18, 2024

Introduction Insurers are frequently asked to satisfy their duty of good faith and fair dealing by entertaining reasonable settlement offers within the combined limits of the policies. However, primary and excess insurers do not always agree whether a particular claim presents a significant...

Events & Seminars

Upcoming Events

2025 Professional Liability Seminar

October 09, 2025

The Professional Liability Insurance Coverage practice group at Cozen O’Connor will host the 2025 Professional Liability Seminar.

Past Events

The MCS-90 Endorsement

November 08, 2023

Industry Sectors

Education

  • DePaul University College of Law, J.D., 2020
  • Ohio Wesleyan University, B.A., 2017

Awards & Honors

Best Lawyers in America (Insurance Law) Ones to Watch 2025-2026

  • Illinois
  • Indiana
  • Wisconsin
  • U.S. District Court -- Colorado
  • U.S. District Court -- Northern District of Illinois
  • U.S. District Court -- Central District of Illinois
  • U.S. District Court -- Southern District of Illinois
  • U.S. District Court -- Northern District of Indiana
  • U.S. District Court -- Southern District of Indiana
  • U.S. District Court -- Western District of Michigan
  • U.S. District Court -- Western District of Wisconsin
  • U.S. Court of Appeals for the Seventh Circuit

American Bar Association: TIPS– 

2025-26 Vice-Chair Self-Insurers and Risk Managers General Committee

2025-26 Social Media & Membership Vice-Chair Excess Surplus Lines and Reinsurance General Committee