John Cavo focuses his practice in insurance coverage litigation, including general liability, professional liability, auto, trucking and directors and officers liability. Mr. Cavo also counsels insurer clients on all coverage-related matters, including bad faith avoidance and insurer best practices.
Mr. Cavo handles all phases of coverage advice and litigation involving first party property and business interruption issues nationwide, including claims related to Hurricane Katrina, Hurricane Wilma, Hurricane Matthew, COVID-19 and other CAT events.
Mr. Cavo places emphasis on early resolution of claims and litigated matters, including arbitration, mediation and appraisal. Mr. Cavo also routinely assists business partners, including claims and underwriting teams, in identifying underwriting and coverage issues, as well as implementation of best practices from a risk management standpoint.
Mr. Cavo also has extensive experience in appellate practice, serving as the lead appellate attorney for a previous firm in Miami.
- U.S. District Courts
- Northern District of Illinois
- Southern District of Illinois
- Western District of Tennessee
- Northern District of Florida
- Middle District of Florida
- Southern District of Florida
- United States Court of Appeal
- 11th Circuit
- Pro Hac Vice
- U.S. District Courts
- Northern District of Alabama
- Middle District of Alabama
- St. Thomas University – J.D.
- SUNY Oswego – B.A.
- Hawley Ins. Co. v. Dania Dist. Ctr., Ltd., 763 F. Supp. 2d 1359 (S.D. Fla. 2011), aff’d, 513 Fed. App’x 890 (11th Cir. 2013) (obtained summary judgment in favor of insurer; $19 million consent judgment excluded under policy’s pollution and continuous injury exclusions)
- James River Ins. Co. v. Med-Waste Mgmt., LLC, 46 F. Supp. 3d 1350 (S.D. Fla. 2014) (summary judgment for insurer facing $10 million consent judgment in class action, finding no coverage under policy’s TCPA exclusion)
- Miranda Constr. Devel. Inc. v. Mid-Continent Cas. Co., 763 F. Supp. 2d 1336 (S.D. Fla. 2010) (summary judgment for insurer regarding construction defect claim against home builder)
- Kenneth Cole Productions, Inc. v. Mid-Continent Cas. Co., 763 F. Supp. 2d 1331 (S.D. Fla. 2010) (summary judgment for insurer in water damage claim by store against contractor that damaged fire sprinkler system)
- James River Ins. Co. v. Oscar I. Garcia, Architect, P.A., 856 F. Supp. 2d 1284 (S.D. Fla. 2012) (no coverage in case involving first impression of specific extended reporting period language in claims made policy)
- Geovera Spec. Ins. Co. v. Hutchins, 831 F. Supp. 2d 1306 (M.D. Fla. 2011), aff’d, 504 Fed. App’x 851 (11th Cir. 2013) (no coverage under policy’s assault and battery exclusion)
- Hamid Mohebbi, Pharm.D v. Founders Ins. Co., 41 F. Supp. 3d 1412 (S.D. Fla. 2014) (no coverage for judgment creditor where insured breached policy’s late notice and cooperation conditions)
- Maxum Indem. Co. v. Fla. Constr. Svcs, Inc., 59 F. Supp. 3d 1382 (M.D. Fla. 2014) (no coverage under policy’s absolute pollution exclusion in claim involving fatal carbon monoxide poisoning)
- Maryland Cas. Co. v. Smartcop, Inc., 2012 WL 4344571 (S.D. Fla. Jul. 6, 2012) (no coverage for fatal car crash of Monroe County, FL sheriff’s deputy under policy’s software exclusion)
- Maxum Indem. Co. v. Flanigan & Assoc. Ins., Inc., 2013 WL 3389449 (M.D. Fla. Jul. 8, 2013) (no coverage for wrongful acts prior to claims made policy’s retroactive date)
- RLI Ins. Co. v. Melchione, 2017 WL 3669517 (M.D. Fla. June 15, 2017) (no coverage under rental and commercial use exclusions in umbrella policy)
- Rowland v. Diamond State Ins. Co., 2013 WL 5275905 (S.D. Fla. Sept. 18, 2013) (foster care provider did not qualify as an insured under policy issued to state agency’s subcontractor)
- James River Ins. Co. v. Retro, LLC, 2016 WL 3360698 (M.D. Ala. June 9, 2016) (no coverage under policy’s assault and battery exclusion)
- Millennium Partners, LP v. Colmar Storage, LLC, 494 F.3d 1293 (11th Cir. 2007) (affirming judgment in favor of coffee broker in bailment action against warehouse)
- Pendergrass v. R.D. Michaels, Inc., 936 So. 2d 684 (Fla. 4th DCA 2006) (affirming summary judgment in favor of employer for workers’ compensation immunity)
- Rouse-Miami, LLC v. Bentley’s Luggage Corp., 948 So. 2d 928 (Fla. 3d DCA 2007) (reversing summary judgment on claim for breach of contract)
- McKinney v. Fortune Ins. Co., 949 So. 2d 225 (Fla. 3d DCA 2006) (insurer with paper title to salvaged vehicle was not liable for owner’s negligent use of vehicle)
- Young v. State, 791 So. 2d 1121 (Fla. 4th DCA 2000) (reversing conviction based on introduction of improper character evidence)