Frank M. Coscia Partner

Mr. Coscia’s background as a Property and Casualty, Life and Health Insurance Producer licensed by the State of New Jersey, Department of Banking and Insurance, for the past 30 years affords him considerable insight in his representation of insurance carriers, their insureds, third-party administrators, producers and other licensees, on a wide array of issues involving insurance defense, coverage, and regulatory matters.  Further, as a former Chair and current Member of the Executive Committee of the Insurance Law Section of the New Jersey State Bar Association, Mr. Coscia regularly has the opportunity to interact with legislative and regulatory policymakers with regard to a variety of insurance issues.

In addition, Mr. Coscia’s involvement in the emergency medical services field for the past 35 years provides him with unique experience in representing clients involved in a variety of natural and business disaster matters requiring crisis management.

Aside from serving as a life member of two volunteer ambulance services in the State of New Jersey, Mr. Coscia is also a former law enforcement officer and counsel to the Passaic County Branch of the New Jersey Society for the Prevention of Cruelty to Animals.  Since 2006, Mr. Coscia has served as defense counsel of North Haledon Police Department’s Policemen’s Benevolent Association (PBA).

As a former State of New Jersey certified medical emergency medical technician and counsel to volunteer emergency ambulance services, Mr. Coscia has acquired substantial emergency management training which provides clients with essential and specialized skills necessary to evaluate the issues involved in most disasters/crises and to marshal the resources needed to control the situation and to otherwise minimize the impact of the disaster/crisis.

Most recently, Mr. Coscia was retained to represent a client performing work on a public works project.  During the course of the client’s work on the project, an accidental discharge of millions of gallons of raw sewage occurred thereby affecting adjacent residential and business property owners, as well as public property and waterways.  In addition to rapidly responding to the crisis by protecting the client’s legal rights, Mr. Coscia coordinated a team of experts to preserve evidence as well as to manage the client’s response to media requests for information concerning the incident.  Over the course of his legal career, Mr. Coscia has overseen numerous other matters requiring the production of statements and other information to the media.

Mr. Coscia has further utilized his emergency management background to conduct and/or supervise protective investigations for clients as a preliminary step in protecting the clients’ rights in advance of potential litigation.   For example, Mr. Coscia recently supervised a protective investigation of an accident occurring at a construction site involving a public bus with multiple passengers claiming personal injuries.

Mr. Coscia serves as Treasurer of the New Jersey Automobile Insurance Risk Exchange.  Mr. Coscia, a member of the Board of Directors of the Exchange since 2000, also serves as Chair of its Finance and Investment Committee.

Finally, Mr. Coscia’s 18 years of experience as a Member and Chairman of the North Haledon Planning Board has provided him with valuable insight and experience in assisting clients interested in the purchase of real property including due diligence analysis of investment properties.  With the support of the Firm’s real estate, tax, corporate, and environmental professionals, Mr. Coscia is able to coordinate a multi-faceted approach to clients seeking to acquire, develop, manage and sell real estate throughout the State.

He is fluent in Italian.

Areas of Concentration

Insurance defense, corporate and commercial litigation, personal injury, commercial and personal automobile liability, product and premises liability, toxic torts, construction defects and accidents, insurance policy interpretations and fraud, shareholder disputes, will contests, contract claims and various other chancery matters. Formation and representation of non-profit organizations.  Arbitration and mediation in automobile, personal injury and contract matters.  Domestic and foreign representation.

Representative Matters

  • Successful representation of construction companies and related entities in defense of construction defect, construction accident and consumer fraud claims
  • Successful defense and prosecution of insurance fraud claims
  • Successful defense and prosecution of insurance brokers, health care providers and shareholders in liability and fraud matters
  • Successful defense and prosecution of personal injury claims involving motor vehicles, premises, products, professional liability, fires, burns, dog bites and subrogation matters
  • Successful representation of litigants in shareholder disputes involving the construction, health care and insurance industries, will contests, contract claims and various other chancery matters
  • Representation of volunteer emergency ambulance organization in dissolution of organization and formation of new organization including negotiations with municipal, state and federal governments regarding licensing, tax and related matters