Overview
Daniel Enriquez is a litigator whose practice focuses on the insurance and financial services industries. He serves as coverage and monitoring counsel in complex insurance coverage matters including litigating claim disputes and analyzing coverage under cyber, media, technology, professional liability, general liability, and directors and officers policies. Daniel has assisted in drafting cyber, media and professional liability policies, and has spoken at leading cyber risk and information technology conferences.
In addition to his work in the insurance industry, Daniel has represented diverse client bases ranging from large institutional lenders and telecommunications companies to media personalities, and college football coaches.
Experience
Prevailed in appeal before the U.S. Court of Appeals for the Eleventh Circuit in insurance coverage policy case turning on application of the series qualifier canon.
Obtained summary judgment for insurer in $4.8 million coverage case based on location of comma in policy and series-qualifier canon. ECB USA, Inc. v. Chubb Insurance Company of New Jersey, 587 F. Supp. 3d 1165 (S.D. Fla. 2022).
Obtained summary judgment finding no coverage for $24 million settlement between loan servicer and federal government because claim was first made before the policy period. Ditech Financial LLC v. AIG Specialty Insurance Co., No. 8:20-cv-00409, 2021 WL 4263330 (M.D. Fla. Sept. 20, 2021).
Won summary judgment on behalf of carrier against a claim for insurance coverage and indemnification with regard to a $77.5 million settlement of a qui tam action under California's False Claims Act. Summary judgment was upheld after appeal to the Ninth Circuit. Office Depot, Inc. v. AIG Specialty Insurance Co., No. 2:15-cv-02416, 2019 WL 4570011 (C.D. Cal. June 21, 2019), aff'd, 829 F. App'x 263 (9th Cir. 2020).
Obtained dismissal of policyholder's claim for coverage of $42 million False Claims Act settlement. Court found policyholder failed to provide timely notice. PAMC Ltd. v. National Union Fire Insurance Co. of Pittsburgh, No. 2:18-cv-06001, 2019 WL 666726 (C.D. Cal. Feb. 12, 2019).
Obtained judgment in favor of professional liability insurer on insured's $10 million claim based on broad interpretation of "related claims" provision. Direct General Insurance Co. v. Houston Casualty Insurance Co., 139 F. Supp. 3d 1306 (S.D. Fla. 2015), aff'd, 661 F. App'x 980 (11th Cir. 2016).
Obtained an order of dismissal with prejudice in favor of professional liability insurer in a coverage dispute in Southern District of Florida. The policyholder, an automobile insurer, sought coverage for a bad faith suit brought by one of its insureds. The coverage dispute involved whether a civil remedy notice of insurer violation constituted a bad faith claim in the context of a claims-made policy. The court found that the civil remedy notice — and not the later-filed bad faith suit — constituted the "claim first made" under the policy. Because this claim was first made before the policy period, the court found no coverage and dismissed the policyholder's complaint with prejudice. Windhaven Managers, Inc. v. Chartis Specialty Insurance Co., No. 8:14-cv-01808, 2014 WL 6674609 (M.D. Fla. Nov. 24, 2014).
Obtained an order of dismissal with prejudice in favor of lender-placed insurance provider. The plaintiff alleged that the lender-placed insurer had been unjustly enriched by its receipt of the premium for lender-placed insurance. The court held that the plaintiff's unjust enrichment claim against the insurer was legally deficient in light of the two written contracts governing the dispute — the mortgage and the insurance policy. Accordingly, the court dismissed the sole count levied against the insurer client. Treece v. JPMorgan Chase Bank, N.A., No. 1:14-cv-22602, 2014 WL 7661506 (S.D. Fla. Oct. 31, 2014).
Obtained verdict in favor of loan servicer in action brought under the Truth in Lending Act, 15 U.S.C. § 1641(g). The court found that the transfer of an assignment of mortgage to the servicer from Mortgage Electronic Registration Systems Inc. did not constitute a transfer of the "debt" and thus did not trigger any obligations under § 1641(g). Foley v. Wells Fargo Bank, N.A., No. 0:11-cv-62314, 2012 WL 4829124 (S.D. Fla. Sept. 28, 2012).
Denial of petition for writ of prohibition alleging lack of subject-matter jurisdiction. Mercado v. National Union Fire Insurance Co. of Pittsburgh, 215 So. 3d 67 (Fla. 3d DCA 2016).
Obtained six-figure judgment under Civil Rights Act in favor of pro bono client alleging excessive force by a former police officer. The former police officer moved for summary judgment and argued that plaintiff's claims were barred by the doctrine of Heck v. Humphrey. The court denied the motion and, following the subsequent withdrawal of the officer's attorney, entered judgment in favor of the pro bono client. Taylor v. Wright, No. 11-cv-14401 (S.D. Fla.).
News & Insights
News
Publications
Speaking Engagements
"Trustee Luncheon: Impact of Property Insurance Legislation," Greater Miami Chamber of Commerce, Miami, FL (March 1, 2023)
"Cyber Insurance InfoSec Requirements: What's Changing?," ITEXPO (February 15, 2023)
"Claims-Handling Duties as Primary and Excess Insurer: Tackling Time/Policy Limit Demands, Disclosures and Bad Faith Claims," Carlton Fields Client Presentation (January 25, 2023)
"Building Your Privacy Program," The Master's Conference (January 24, 2023)
"The Latest Cyber Threats and Coverage Issues," Carlton Fields Client Presentation (June 28, 2022)
"Navigating Incident Response with the Uninsured," NetDiligence, Cyber Risk Summit (February 17, 2022)
"Ransomware: The Latest Threats and Efforts to Stem the Tide," Carlton Fields Client Presentation (September 27, 2021)
"We Need To Talk About Cyber Insurance," TitleNow PopUp (August 27, 2020)
"Recent Cases and Developments in Bad Faith Law From Across the Country," Carlton Fields (May 28, 2020)
"Cybersecurity and Privacy Litigation and Enforcement in the COVID-19 Era," Carlton Fields (May 20, 2020)
"Bitcoin, Blockchains, and Insurance Opportunities," Carlton Fields Client Presentation (September 26, 2019)
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Blog Posts
Recognition
Honors & Recognitions
The Best Lawyers in America: Ones to Watch (2024–2025)
Top Article, "Court Finds No Coverage for $42 Million False Claims Act Suit Due to Late Reporting," JD Supra Readers Choice Awards (2020)
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Professional & Community Involvement
Professional & Community Involvement
Daniel is a member of the Florida Bar and co-chairs the Southeast chapter of Future PLUS, the young professionals group of the Professional Liability Underwriting Society. He was selected as an LCLD pathfinder and later as an LCLD fellow.
Related Capabilities
Bar Admissions
Court Admissions
Education
J.D., Georgetown University Law Center
B.S., cum laude, University of Florida
