Steven J. Lauwers

Steve Lauwers is a shareholder of the firm.  He heads the firm’s Financial Institutions Practice Group and advises clients on a wide range of insurance, corporate and banking/trust company matters.

Steve focuses his practice on insurance, banking, financing, risk transfer and regulatory matters involving insurance companies, banks, trust companies and other financial institutions, health care organizations and government contractors.   He is a nationally recognized expert on insurance law, and he represents a number of clients before the Insurance Department on a range of matters, including mergers and/or acquisitions, insurance company formation, reinsurance, licensing, market conduct, rehabilitation and liquidation, and rate and form approvals.  Steve also represents a number of clients before the Banking Department on a similar range of matters, focused on public trust companies, including those maintaining Collective Investment Trusts (CIT’s).

Prior to joining the firm in 2000, Steve was the Assistant Insurance Commissioner for the State of New Hampshire.  In this role he acted as the General Counsel for the Department and was involved in a wide range of regulatory and transactional matters.  Prior to his government service, Steve was Vice President & Counsel in the Law Department of Aetna Life & Casualty in Hartford, Connecticut where he headed both the Property/Casualty Law and Life/Annuity Law Sections of Aetna’s Law Department and served as a corporat3e transactional and securities and antitrust attorney.


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More About
Education and Bar Admissions


  • Georgetown University, J.D., cum laude, 1980
  • Georgetown University, A.B., magna cum laude, 1977

Bar Admissions:

  • New Hampshire
  • U.S. District Court, NH
  • Massachusetts
  • Connecticut
  • U.S. District Court, Connecticut
Representative Matters
  • Representing the organizers of a number of New Hampshire public trust companies, including tax/regulatory issues associated with operating CIT’s
  • Counseling a mutual property/casualty insurance company with respect to negotiating and implementing a complex reorganization of its reinsurance and contractual relationships with an affiliated public company stock insurer
  • Handling a variety of Form A and Form D matters
  • Analyzing and contesting retaliatory tax matters
  • Representing trust companies and lenders before the Banking Department
  • Advising a major mutual insurance company as it converted to a stock company
Awards and Recognitions
  • Super Lawyers; selected to the 2022 New England Super Lawyers list
  • Best Lawyers, Insurance Law; selected as Lawyer of the Year for 2019
  • Recognized by Best Lawyers, 2019-2020
  • Top Attorneys in NH, Insurance law
  • Federation of Regulatory Counsel, only NH attorney listed and listed for Massachusetts and Connecticut


Best Lawyers Award Badge

Best Lawyers Award Badge

Community Involvement
  • Former chairman, Concord Regional Visiting Nurse Association
  • Former director, Capital Region Health Care
  • Past-President, Bow Rotary Club and Bow Rotary Foundation

Professional Activities

  • Admitted to practice law in New Hampshire, Massachusetts and Connecticut
  • Member, Federation of Regulatory Counsel
  • Member, NH Advisory Group on Health Insurance
  • Former director, New England Legal Foundation
  • Former director, Executive Risk, Inc. (former NYSE-listed insurer)
  • Author, “Multi-State Hearings Under the Holding Company Act” (FORC Journal), Summer 2017
  • Assistant Insurance Commissioner, New Hampshire Department of Insurance
  • Author, Chapter 8, “Insurance Requirements and Indemnification”, (Health Plans Contracting Handbook 6th Edition, American Health Lawyers Association), 2011
  • Author, “Comparison of Federal MLR Standards with Current MLR Standards in Maine, Massachusetts, New Hampshire, and Vermont”, (FORC Journal), Winter 2010
  • Author, “New Hampshire Extra-Territorial and Expanded Application of Group Health Mandates” (FORC Journal), Spring 2008
  • Faculty, “Health Care Law Update 2005”, (N.H. Bar Association CLE), October 14, 2005