Aaron M. Simon

When you hire me, you get me, from the minute your case comes in until it is done and satisfactorily resolved.

A litigator with more than a decade of experience, Aaron has expertise in professional liability, insurance coverage, and complex general liability litigation. Aaron is the Chair of the firm’s Professional Liability Practice Group.  He takes a global approach with each case, personally handling every stage of the process to provide highly strategic, efficient, and cost-effective results. With forward thinking, he diligently investigates and gathers facts with a sharp eye to what would be relevant and admissible if the case should go to trial.

As a go-to resource for professional liability litigation and as Minnesota panel counsel for multiple professional liability insurers, Aaron represents:

  • insurance agents and agencies
  • lawyers
  • accountants
  • bankers
  • property and health care management companies
  • homeowner’s associations
  • real estate agents
  • other various professionals

Respecting the expertise of his clients, Aaron fosters effective relationships and stellar results through collaboration with his clients. Since most professional liability cases involve insurance coverage issues, he brings a competitive advantage with his vast experience and thorough understanding of how to navigate both successfully.

Aaron works closely with claims representatives and managers at leading insurance companies, representing them on coverage issues including:

  • premises liability
  • products liability
  • commercial tort liability
  • liquor/dram shop liability
  • director and officer liability
  • cyber liability
  • sexual harassment/sexual abuse litigation
  • construction defect litigation
  • employment litigation
  • subrogation litigation
  • complex general liability

Tenacious and results-driven, Aaron has a proven track record of prosecuting and defending multi-million-dollar insurance coverage actions, and of success in the Minnesota appellate courts. He has a comprehensive knowledge of insurance coverage case law, from its development to its defenses. Having critically analyzed countless insurance policies for his insurance company clients over many years, he knows how to expertly evaluate coverage issues and how courts will interpret and construe insurance policies. He continually monitors changes and new developments in insurance coverage litigation.

In addition to trying cases, Aaron is active within the insurance industry at multiple levels: training and writing about how professionals may prevent claims; speaking about developments in key insurance industry issues; working with state and national trade organizations; and serving as a Steering Committee member for the North Central Chapter of the Professional Liability Underwriting Society (PLUS).

Readily available, he sets an extremely high bar for open and effective communication and responsiveness to clients. He takes pride in working relentlessly for his clients, and providing exceptional service to build trusting and lasting relationships.

Bar Admissions

  • Minnesota (2003)
  • Wisconsin (2015)
  • U.S. District Court, District of Minnesota (2008)
  • U.S. District Court, District of North Dakota (2017)
  • Eighth Circuit Court of Appeals (2011)


  • J.D., University of Minnesota Law School, Minneapolis, Minnesota  (2003)
    • Research Assistant for Professor John Matheson
    • M. Pirsig Moot Court
  • B.S., Biology, University of Minnesota, Minneapolis, Minnesota (1999)
    • Sigma Alpha Mu fraternity–President, Vice President

Military Service

  • Minnesota National Guard, 2000–2006, Honorable Discharge
    • Highest Honors: Basic Training and Advanced Individual Training (AIT)


  • Minnesota Independent Insurance Agents and Brokers Association (MIIAB)
  • Professional Liability Underwriting Society (PLUS), North Central Chapter Steering Committee, North Central Chapter Committee Steering Committee Chair 2017–2018
  • Professional Insurance Agents of Minnesota (PIA Minnesota)
  • Defense Research Institute (DRI)
    • Professional Liability Section
  • Minnesota Defense Lawyers Association (MDLA)
  • Twin Cities Claims Association (TCCA)
  • Minnesota State Bar Association (MSBA)
    • Civil Litigation Section
    • Civil Appellate Practice Section
    • Computer & Technology Law Section (Section Council Member)
  • Wisconsin State Bar Association (WSBA)
  • Hennepin County Bar Association (HCBA)
  • Ramsey County Bar Association (RCBA)
  • University of Minnesota–Lifetime Alumni Member
  • Sigma Alpha Mu Fraternity–Active Alumni

Representative Cases

  • Morgan v. Groveland Condominium Homeowner’s Association: Successfully obtained summary judgment in favor of condominium homeowner’s association client regarding no duty owed to prevent neighbor’s smoking. Minnesota Court File No. 27-CV-16-12890 (March 2017).
  • Atlantic Casual Insurance Company v. Chazonkhueze LLC, d/b/a Checker Bar, Inc., et al,: Successful summary judgment motion finding no duty to defend or indemnify bar under assault and battery exclusion in policy. USDC District of Minnesota Court File No. 15-CV-3783 (SRN/FLN) (D. Minn. Oct. 13, 2016).
  • Danielson v. G.P. Agencies: Successfully obtained summary judgment with a finding of no duty to provide additional insurance not specifically requested by insurance customer. Minnesota Court File No 73-CV-12-8754 (August 2013).
  • Swanny of Hugo v. Corp 4: Successfully obtained summary judgment  for insurance agent and agency with a finding of no duty to provide additional insurance not specifically requested by insurance customer. Minnesota Court File No. 82-CV-12-347 (January 2013).
  • Miller v. Faust: Successfully obtained summary judgment with findings that the agent reasonably followed the instructions of the insurance customer and acted in good faith; the personal injury liability coverage that the customer wanted would not have provided coverage to the customer for the claims in the underlying lawsuit; and the customer failed to produce any evidence that any insurance company would have sold the customer insurance that would have covered the claims brought against him in the underlying lawsuit. Minnesota Court File No. 86-CV-11-2741 (February 2012).
  • Impact Grp., LLC v. Stanton Grp., LLC: Prevailed on summary judgment and was affirmed on appeal regarding no duty to provide insurance on undisclosed additional warehouse location. Minnesota Court of Appeals File No. A09–2187, 2010 WL 2733390, (Minn. Ct. App. July 13, 2010).


Illinois Insurance Agent Case Law Update

On October 18, 2018, the Illinois State Supreme Court in the case of Am. Family Mut. Ins. Co. v. Krop, 2018 IL 122556, ruled that a two year statute of limitations for negligence claims begins to run on the date the policy is received by the insured, not when there is a loss and coverage issues arise. In this case Continue Reading

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Insurance and Cyber Claims: Michigan Federal Judge Ruling Contradicts Recent Ruling by NY Federal Judge

A Michigan federal court judge just ruled in favor of an insurance company in a cyber claim case in which the insured agreed to pay a Chinese vendor at certain intervals when the vendor hit certain production milestones. An unknown criminal group posed as representatives of the vendor and requested that the insured wire approximately $800,000 in payments for real Continue Reading

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New York Federal Court Judge Rules in Favor of an Insured in Large Cyber Liability Claim

Recently a New York federal court judge ruled in favor of an insured in regard to a large cyber liability claim against the insured’s crime policy insurer. See Medidata Solutions, Inc. v. Federal Insurance Company, No. 1:15-cv-00907 (S.D.N.Y. July 21, 2017). The facts in the case involved an employee being tricked by a thief using a fraudulent email into transferring Continue Reading

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8th Circuit Coverage Opinion – Suit Limitation Clause Not Enforceable Under Arkansas Law

On July 11, 2017, the United States Court of Appeals for the Eighth Circuit issued an opinion voiding a suit limitation clause in an insurance policy under Arkansas Law.  See  Opinion Here.  In this case the insurance policy at issue had a one-year suit limitation clause requiring the insured to bring suit on the policy within one year of the Continue Reading

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Drone Law Update, Summer 2017 – Drone Registration Rule Shot Down

The United States Court of Appeals for the District of Columbia Circuit recently decided that the Federal Aviation Administration (“FAA”) rule requiring drone registration was invalid. See Taylor v. Huerta, 856 F.3d 1089 (D.C. Cir. 2017) (court noted that FAA lacked statutory authority to issue a rule requiring owners of small unmanned aircraft operated for recreational purposes to register with Continue Reading

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Overview of Insurance Agency Trust Accounts for Insurance Customer Funds Under Minnesota Law.

Many if not most insurance agents and agencies hold insurance customer premium payments and other related insurance customer funds in a separate trust account specifically for those funds.  These trust accounts are a separate account from the agency’s general operating expense account.  However, is there a legal requirement for Minnesota insurance agents and agencies to use a separate trust account Continue Reading

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