John T. Harding

Boston, MA


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John T. Harding

Boston, MA


John Harding has more than thirty years of legal experience in the areas of insurance coverage litigation, reinsurance disputes and arbitrations and bad faith litigation. He represents domestic and foreign insurers on a national basis in coverage disputes under CGL, excess, umbrella, commercial property, homeowners, auto and other specialized policies. 

His experience includes the handling of claims arising out of underlying environmental, asbestos, products, pharmaceutical, medical device, employment discrimination, technology, construction, tort and other liabilities, as well as a range of first-party losses. John has represented both the ceding company and the reinsurer side, as well as extensive experience in trying complex cases to juries and courts, including a number of multi-phased proceedings. Additionally, John has managed numerous appeals in both state and federal courts across the nation, addressing pivotal legal matters central to contemporary coverage litigation. He has also been involved in several Bermuda form arbitrations in New York and London.  

 A featured presenter at many national conferences on insurance coverage, reinsurance, claims handling and bad faith litigation, John has provided programs sponsored by IADC, DRI, Mealey’s Insurance, the Emerging Environmental Claims Managers Association, FETTI, American Conference Institute, the Complex Insurance Claims Association and PLRB. He also provides educational programs to numerous in-house claims organizations and is the author and editor of multiple insurance related publications.  

Practice Areas


Insurance Coverage

Curriculum Vitae


Education (2)
  • Harvard Law School (JD, cum laude)
  • Duke University (BA, summa cum laude)
Professional Memberships (5)
  • American College of Coverage Counsel (Fellow; Co-Chair, CGL/Excess Committee)
  • Boston Bar Association (2015-2017: Chair, Insurance and Tort Section)
  • Defense Research Institute (Publications Chair; Advisory Board, Insurance Law Committee)
  • International Association of Defense Counsel (2020-2022: Chair, Insurance and Reinsurance Committee)
  • Massachusetts Reinsurance Bar Association (Founding Director; 2010: Chair, MReBA Symposium; 2012-2013: Vice President; 2013-2014: President)
Bar Admissions (5)
  • Massachusetts
  • US District Court, District of Massachusetts
  • US Court of Appeals, First Circuit
  • US Court of Appeals, Federal Circuit
  • US Supreme Court
Publications (8)
  • Reinsurance Deskbook, Thomson Reuters
    Contributing Author (2015, 2017, 2022)
  • New Appelman on Insurance: Contribution Among Insurers
    (April 2015)
  • New Thoughts on an Old Issue: The Number of Occurrences Dilemma
    DRI For the Defense Magazine (May 2014)
  • The English Revolution: Follow the Fortunes After WASA v. Lexington
    International Association of Defense Counsel Quarterly (July 2011)
  • Meaning of Accident and Occurrence
    LEXIS Publications (2010)
  • Trigger of Coverage Survey
    LEXIS Publications (2010)
  • Insurance Coverage for Pharmaceutical Claims
    DRI For the Defense Magazine (May 2007)
  • Prior Insurance and Non-Cumulation of Liability: A Pragmatic Approach
    Mealey’s Insurance (March 1999)