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Cynthia J. Borrelli, Esq.
Cynthia J. Borrelli, Esq.
(973) 514-1200
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Cynthia J. Borrelli, Esq.
325 Columbia Turnpike Florham Park, NJ 07932
(973) 514-1200
(973) 514-1660
P.O. Box 1980 Morristown, NJ 07962
17 State St New York, NY 10004
Phone: (212) 425-9300
Regulatory Cnsl Mbr
Business Transactions, Legislative, Litigation, Regulatory
New Jersey, New York
As head of the firm’s Insurance Law practice group, Cynthia brings three decades of knowledge and insight to the firm and her clients. She provides quality legal advice relating to property casualty and life, annuity and health, managed care, disability insurance and reinsurance matters, with particular emphasis on insolvency regulation.

As a Principal in the firm’s Insurance practice group, Cynthia has advised clients and handled contested issues in insurance related matters for most of her career, including insurance and reinsurance transactions, mergers, acquisitions and other holding company transactions, contractual, employment and other business disputes, enforcement proceedings, filings, rate hearings and appeals of administrative actions.

Cynthia's practice focuses on regulation and compliance for insurers, brokers and trade associations in the property/casualty and life and health areas. She has appeared in court regularly on behalf of clients in many significant and precedential cases. Cynthia’s clients seek her counsel in matters affecting the corporate regulatory and enforcement aspects of insurance law. She has experience in advising clients in matters involving holding company regulation, corporate restructuring, market distribution and regulation of sales practices, product design, anti-trust and restrictive covenants in the insurance arena, the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Patient Protection and Affordable Care Act, as well as implementing regulations.

Cynthia provides meaningful value to the legal community with her body of published work, including articles and book chapters about insurance and healthcare law. She is also very active in the legal community. She is Vice President of the Federation of Regulatory Counsel, most recent past Chairman of the Board of Directors, and chairs the Admissions Committee. Cynthia also chairs the Legal Committee of the National Conference of Insurance Guaranty Funds.

Cynthia's thought leadership is widely recognized with frequent invitations to speak publicly, participate in panels and lecture at Rutgers Law School. She serves as Chair of the firm's Diversity and Inclusion Program, and participates in the Defense Research Institute's symposium on Diversity for Success.

Cynthia’s substantial experience consistently reveals her style in simplifying the complex.

She successfully secured regulatory approval for a multi-state/multiaffiliate’s acquisition of a major health insurer.

She pursued approval for several HMOs to offer commercial and government funded products in New Jersey.

She counseled clients on ACA compliance and is assisting a carrier in participating on the Federal Insurance Exchange.

She assisted clients in forming captive insurers, including review and revisions to regulations to implement New Jersey’s Captive Insurance Law.

She facilitated compliance with recently adopted life insurance and annuity disclosure laws for both fixed and variable products.

She counseled clients in evaluating advertising rules and restrictions underlying the sale of Medicare insurance and Medigap overages.

She has assisted several clients in designing, drafting and securing regulatory approval for variable products.

Martindale-Hubbell* AV Preeminent Rating
Martindale-Hubbell’s “Bar Register of Preeminent Women Lawyers” 2010 - 2013
A.M. Best's Directory of Insurance Professionals, 2014 - 2015
The Best Lawyers in America, 2016 - 2017
Super Lawyers, 2005 - 2016*
International Who’s Who of Business Lawyers, Insurance and
Reinsurance, 2004, 2006, 2007, 2010, 2014 - 2016
“Top Attorney in New Jersey,” New Jersey Monthly, April 2013

Seton Hall University School of Law, J.D., 1985
Lehigh University, B.A., 1982

Bar Admissions
New Jersey, 1985
Pennsylvania, 1985
District of Columbia, 1994
New York, 1998

Court Admissions
U.S. District Court, District of New Jersey, 1985
U.S. District Court, Eastern District of Pennsylvania, 1985
U.S. Court of Appeals, District of Columbia Circuit, 1994
U.S. District Court, Southern District of New York, 1998
U.S. Court of Appeals, Third Circuit, 2016

Professional Affiliations

American Bar Association
Association of Professional Insurance Women
Association of Life Insurance Counsel
Federation of Defense and Corporate Counsel 
National Conference of Guaranty Funds, Legal Committee
Federation of Regulatory Counsel, Board of Directors
New Jersey State Bar Association, Diversity Committee, Board of Directors 2008-2013
National Association of Women Lawyers

Published Articles

Published Alerts

TitlePublish Date
Will the Regulators Ever Reach an Agreement on an Approach to the New Fiduciary Standard?11/1/2015
New York DFS Proposes Amendments to its Annuity Suitability Rule2/8/2018
Former New Jersey Governor Chris Christie Signed Into Law Over 100 Pending Bills3/26/2018
Agents and Brokers Fight Back Against Application of the Best Interest Standard in the Sale of New York Contracts1/7/2019
New York State Initiatives Would Shift Some of the Burden of Pandemic Losses to The Insurance Industry5/14/2020
State of New Jersey COVID-19 Updates5/19/2020

Positions in FORC

Board of DirectorsNortheast50