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Clifton R. Gruhn

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Clifton R. Gruhn

Overview

Cliff Gruhn's practice involves defending financial services clients in complex litigation matters and class actions in federal and state courts throughout the United States.

Cliff litigates cases involving a variety of issues involving life, long-term care, and property and casualty insurance at both the trial and appellate levels. These litigations involve allegations of fraud, breach of contract, breach of fiduciary duty, bad faith as part of coverage disputes, and violations of federal statutes, including RICO, ERISA, RESPA, and the TCPA, as well as state statutes governing unfair trade practices, suitability, sales and marketing, and debt collection.

Cliff is regularly involved in complex motion practice, large-scale electronic discovery, and trial preparation, as well as client counseling to ensure compliance with federal and state statutes and regulations.

Cliff frequently represents minors in dependency proceedings on a pro bono basis.

Experience

Obtained an order dismissing putative class action alleging violations of the Medicare Secondary Act. MSP Recovery Claims, Series LLC v. Endurance American Insurance Co., No. 1:20-cv-23219, 2021 WL 706225 (S.D. Fla. Feb. 23, 2021).

Order granting a motion to transfer putative national class action to insurer's home district, followed by dismissal of claims for breach of contract, conversion, and declaratory relief in putative national class action challenging cost of insurance and other provisions in universal life insurance policies. Maxon v. Sentry Life Insurance Co., No. 6:17-cv-01569, 2018 WL 3850011 (M.D. Fla. Apr. 11, 2018), No. 3:18-cv-00254, 2019 WL 4540057 (W.D. Wis. Sept. 19, 2019), reconsideration denied (Nov. 27, 2019), appeal dismissed, No. 19-3501, 2020 WL 3414847 (7th Cir. Apr. 15, 2020).

Obtained an order dismissing case alleging RICO and antitrust violations, as well as numerous other common law and statutory claims, based on purported bid-rigging and price-fixing involving international oil companies and banks. PDVSA U.S. Litigation Trust v. Lukoil Pan Americas, LLC, No. 1:18-cv-20818 (S.D. Fla. Mar. 8, 2019).

Obtained an order granting declaration of entitlement to rescind and reform life insurance policy based on material misrepresentations and misstatements in applications. Pruco Life Insurance Co. v. Baggs, No. 3:16-cv-00206 (N.D. Fla. Aug. 29, 2017).

Obtained an order partially dismissing complaint alleging underpayment of benefits under health insurance policy. Epstein v. Transamerica Life Insurance Co., No. 2010-015515 (Fla. Cir. Ct. Mar. 6, 2017).

Awarding attorneys' fees to insurer. Hill v. Allianz Life Insurance Co. of North America, 51 F. Supp. 3d 1277 (M.D. Fla. 2014) (denying motion to remand); 2016 WL 872936 (M.D. Fla. Feb. 17, 2016), aff'd, 693 F. App'x 855 (11th Cir. 2017) (granting summary judgment in defamation and tortious interference action brought by former agent of life insurance and annuity company); 2019 WL 932264 (M.D. Fla. Feb. 26, 2019).

Obtained an order granting interpleader and awarding attorneys' fees in favor of insurer. Patel v. Pruco Life Insurance Co., No. 1:16-cv-23520 (S.D. Fla. Dec. 5, 2016).

Obtained an order granting final summary judgment in favor of professional liability insurance carriers based on broad interpretation of "related claims" provision. Direct General Insurance Co. v. Houston Casualty Co., 139 F. Supp. 3d 1306 (S.D. Fla. 2015), aff'd, 661 F. App'x 980 (11th Cir. 2016).

Obtained an order granting judgment in favor of media liability insurer holding that insurer had no duty to reimburse $15 million in defense expenses or to indemnify $77.5 million settlement of a whistleblower suit; court found that Section 533 of the California Insurance Code precluded any duty to defend or indemnify the qui tam lawsuit alleging violations of the California False Claims Act. Office Depot, Inc. v. AIG Specialty Insurance Co., No. 2:15-cv-02416, 2016 WL 6106408 (C.D. Cal. June 6, 2016).

Finding entitlement to attorneys' fees and costs pursuant to 42 U.S.C. § 1988, 28 U.S.C. § 1927, Federal Rule of Civil Procedure 11, and the court's inherent authority after obtaining final summary judgment. Eisenberg Development Corp. v. City of Miami Beach, 95 F. Supp. 3d 1376 (S.D. Fla. 2015).

Awarding more than $100,000 in attorneys' fees under 42 U.S.C. § 1988. Club Madonna, Inc. v. City of Miami Beach, No. 1:13-cv-23762, 2015 WL 5559894 (S.D. Fla. Sept. 22, 2015).

Obtained a decision affirming dismissal with prejudice in favor of defendant in statewide class action regarding long-term care insurance rate setting. Mann v. Unum Life Insurance Co. of America, 139 So. 3d 895 (Fla. 2d DCA 2014).

Report and recommendation to dissolve writ of garnishment seeking to garnish cash value of whole life insurance policy, recommending award of attorneys' fees incurred by insurer in defending writ of garnishment proceedings. Doe v. Ejercito De Liberacion Nacional, No. 1:10-cv-21517 (S.D. Fla. Aug. 11, 2014), withdrawn following settlement (S.D. Fla. Sept. 17, 2014), adopting report and recommendation (S.D. Fla. Oct. 14, 2014).

Obtained an order granting a motion for entry of temporary restraining order. Allianz Life Insurance Co. of North America v. Cain, No. 3:12-cv-00264, 2013 WL 3880217 (W.D.N.C. July 26, 2013).

Obtained dismissal of national class action collaterally attacking prior class action settlement. Hunter v. Transamerica Life Insurance Co., No. 4:10-cv-04906, 2011 WL 4621111 (S.D. Tex. Sept. 27, 2011), aff'd, 498 F. App'x 430 (5th Cir. 2012).

Obtained an order granting final default judgment as sanction for discovery misconduct in action alleging misappropriation of funds from business. Landon v. Orange Clothing Co., No. 10-20310 (Fla. Cir. Ct. Aug. 8, 2012).

Obtained an order dismissing case against client due to lack of personal jurisdiction because defendant was not joint venturer with co-defendant and passive website was insufficient for exercise of personal jurisdiction. Baba Lodging LLC v. Wyndham Worldwide Operations, Inc., No. 5:10-cv-01750, 2011 WL 1598910 (W.D. La. Apr. 26, 2011).

Obtained voluntary dismissal of action alleging breach of contract concerning sale of wireless communications towers after filing a motion to dismiss. Global Towers, LLC v. Telecom Rentals, Inc., No. 10-80726 (S.D. Fla.).

News & Insights

Speaking Engagements

"Litigation Update," American Council of Life Insurers Compliance, Legal, and Fraud Prevention Conference, Chicago, IL (July 14, 2026)

Professional & Community Involvement

Professional & Community Involvement

Cliff is a member of the American Bar Association and the Miami-Dade Bar.

Beyond the Bio

At the University of Miami School of Law, Cliff was inducted into the Order of the Coif.

Bar Admissions

  • Florida

Court Admissions

  • U.S. Court of Appeals, Seventh Circuit
  • U.S. Court of Appeals, Eleventh Circuit
  • U.S. District Court, Middle District of Florida
  • U.S. District Court, Southern District of Florida
  • U.S. District Court, Western District of Wisconsin

Education

J.D., magna cum laude, University of Miami School of Law

B.S., Bellevue University

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