Thomas F. "Tom" Morante

  • T 954.468.7862

Tom Morante's practice focuses on the intersection of insurance, securities, corporate, banking, tax and data privacy laws in an increasingly complex global regulatory environment. He counsels a broad range of domestic and foreign financial services companies, with a focus on the insurance industry.

Insurance. Mr. Morante is the co-chair of the firm's Insurance Industry Team. His clients include insurance companies, reinsurers, captive insurers, funds and fund managers, and insurance brokers/agents/producers. He advises on regulatory and compliance matters and handles M&A and other corporate matters with respect to the following insurance product lines: life and annuities (including private placement life insurance (PPLI)), health, title, property and casualty, warranty, flood, and cyber insurance.

Mr. Morante's representative matters include insurance company merger and acquisition, policy analysis and drafting, agent/intermediary licensing and digital distribution arrangements, captive insurance structuring, fronting/reinsurance transactions and insurance dedicated fund formation. He also counsels clients on domestic and foreign regulatory compliance and enforcement issues, and is a member of the firm’s Risk and Crisis Management Team.

Mr. Morante is also a member of the firm's Data Privacy and Security Team, with a focus on cyber insurance, and advises in connection with new cyber coverages for both the financial industry and high-net-worth individuals, and the NAIC’s "Roadmap for Cybersecurity Consumer Protections."

In addition, Mr. Morante counsels insurance companies in connection with the initiatives of the Federal Insurance Office (FIO), including with respect to negotiations for a “covered agreement” on reinsurance collateral with the EU, the designation of systemically important financial institutions (SIFIs) by the Financial Stability Oversight Council (FSOC) and the efforts of the International Association of insurance Supervisors (IAIS) to develop international capital standards.

Latin America. In collaboration with attorneys in the firm's U.S., Bogotá and Mexico City offices and through partnering with Latin America law firms, Mr. Morante handles cross-border mergers and acquisitions, establishing operations, regulatory compliance and enforcement matters on behalf of insurers, reinsurers, alternative capital providers and distributors in connection with life, health, P&C, title, extended warranty, political risk, captive insurance and reinsurance. In addition, he helps businesses comply with the Cuban Asset Control Regulations and advises in connection with the Foreign Claims Settlement Commission and the Cuban Claims Program. He is a member of the firm's Latin America Practice and Latin American Investigations teams, is fluent in Spanish, and has studied abroad in Colombia, Mexico and Spain.

Offshore Insurance. Mr. Morante assists in the development of offshore life insurance, annuities and other financial products in Bermuda and other offshore jurisdictions. He also provides counsel on the foreign country laws implicated in the distribution and cross-border sale of offshore insurance products, with an emphasis on Latin America and Asia.

International Trade Regulation. Mr. Morante advises insurance and other financial services companies and investors with respect to the U.S. Foreign Asset Control Regulations (OFAC), the USA Patriot Act and foreign country anti-money laundering laws, the Foreign Corrupt Practices Act (FCPA) and foreign anti-corruption legislation, and the OECD’s Common Reporting Standard (CRS) regarding automatic annual exchange of financial account information among signatory countries.

Mr. Morante also counsels clients on the financial services and insurance provisions of free trade agreements, including the North American Free Trade Agreement (NAFTA), the Dominican Republic-Central America Free Trade Agreement (DR-CAFTA), the Free Trade Agreements (TPA) with Chile, Peru, Colombia and Panama, and the recently agreed Trans-Pacific Partnership and upcoming Congressional approval process.

Honors & Awards

  • The Best Lawyers in America guide, International Trade and Finance Law, 2005-2016; Insurance Law, Tax Law, 2014-2016
  • Chambers USA – America's Leading Business Lawyers guide, Insurance, 2011, 2012 
  • Florida Super Lawyers magazine, 2007-2015
  • Top Lawyer, South Florida Legal Guide, 2003-2015
  • Phi Beta Kappa, Union College, New York
  • Distinguished Alumni, Washington College of Law Business Law Society, 2013
  • Martindale-Hubbell AV Preeminent Peer Review Rated


  • District of Columbia Bar, International Section, Member
  • The Florida Bar, Sections on International Law and Business Law, Member
  • Virginia State Bar, International Practice Section, Member 
  • American Bar Association, Business Law Section, Member; International Business Law Committee, Member, Past Chair and Administrative Committee Director to the Business Law Section Diversity Committee
  • American Bar Association, Business Law Section; Cyberspace Law Committee; Captive Insurance Committee, Dispute Resolution Committee, Corporate Governance Committee, and Federal Regulation of Securities Committee, Member
  • American Bar Association, Council of the Business Law Section and the Council Committee on Committee Support, Member and Vice Chair
  • American Bar Association, Section of International Law; International Trade Committee, Member
  • American Bar Association, Rule of Law Initiative, Latin America and Caribbean Council
  • Thomson Reuters Business Law Partner, Advisory Board Member
  • Dean's Advisory Council, American University Washington College of Law, Member
  • International Alumni Leadership Council, American University Washington College of Law, Member 
  • Inter-American Dialogue's Latin American - Financial Services Advisor, Board of Advisors