- Baylor University School of Law, 2001, Order of Barristers
- Baylor University, B.A., 1999, Religion, with distinction from Honors Program
- Texas, 2001
- Northern, Southern, Western and Eastern Districts of Texas
- United States Court of Appeals Fifth and Eighth Circuits
700 North Pearl Street
Twenty-Fifth Floor - Plaza of the Americas
Dallas, Texas 75201
214-871-8258 direct | 214-871-8209 fax
Mariah Quiroz devotes her practice to representing insurers in complex coverage matters and insurance litigation. With her in-depth knowledge of insurance law and the insurance industry, Mariah successfully advocates for her clients in coverage disputes and is sought after to advise insurers with respect to a variety of coverage issues. Mariah is one of the few Texas attorneys with a focus on cyber insurance and coverage issues arising from cyber security and data privacy risks. Mariah also has vast experience representing international and domestic insurers in a variety of high-stakes commercial claims inside and outside the courtroom, including oil and gas industry claims, claims involving technology services or products, catastrophic bodily injury claims, property claims, pollution and environmental losses, residential and commercial construction defect, work-place accidents, professional liability, personal and advertising injury, and additional insured tenders and contractual indemnity issues.
Mariah has a pragmatic, results-driven approach to representing her clients. She manages a wide variety of cases and out of court matters involving commercial general liability policies, professional and legal liability policies, pollution legal liability policies, employers’ liability policies, OCIP/WRAP policies, excess and umbrella policies, commercial auto/trucking policies, and policies involving technology products and services, network security and privacy and data security. Mariah also regularly advises and represents insurers in bad faith litigation across Texas and out of state. Mariah is a frequent public speaker on industry topics including cyber insurance, Stowers liability, bad faith, and insurance claims handling.
Originally from Midland, Texas, Mariah lives in the Dallas area with her husband and four children. Mariah is fluent in Spanish.
- Carter v. Westport Ins. Corp., 997 F. Supp. 2d 590 (S.D. Tex. 2013).
- American Home Assurance Co. v. Cat Tech, LLC, 660 F.3d 216 (5th Cir. 2011).
- American Recommended Mailers, Inc. v. Maryland Casualty Company, 579 F. Supp. 2d 791 (E.D. Tex. 2008); affirmed 339 Fed. Appx. 467 (5th Cir. 2009).
- KLN Steel Products Company v. CNA Insurance Companies and American Guardian & Liability Insurance Company, 278 S.W.3d 429 (Tex. App. – San Antonio 2008, no pet.).
- Represents insurers in coverage issues arising under technology products, network security and privacy policies.
- Has represented multiple major international insurers in various matters in Texas arising out of catastrophic environmental losses and claims for clean-up costs arising from industrial waste and treatment facilities, chemical plant explosions, oil-field operations, dry-cleaning operations, and leaking underground gasoline storage tanks.
- Negotiated a favorable resolution of a multi-million dollar coverage and bad faith case in Texas involving claims of “personal and advertising injury” arising out of business disparagement for a major international insurer.
- Negotiated a favorable resolution of a multi-million dollar coverage and bad faith case in Texas involving claims under a pollution legal liability for a major international insurer in a high-profile case involving a local insured.
- Negotiated a favorable resolution of a complex case in Texas on behalf of a major international insurer involving catastrophic damage to a reactor at an oil refinery.
- Successfully defended a major international insurer against a contentious additional insured tender involving an oil-industry accident, ultimately winning a motion to dismiss premised on a forum selection clause.
- Represented an international industrial services company in a complex lawsuit in Texas with a refinery regarding contractual indemnity and additional insured coverage arising out of a fatal plant accident.
- Successfully represented a major international insurer in complex coverage and bad faith litigation in Hawaii (admitted pro hac vice) arising out of alleged construction defects in a high-profile commercial property, leading to a favorable resolution for her client.
- Successfully represented a major international insurer in separate lawsuits filed in Arkansas (admitted pro hac vice) litigating coverage and bad faith arising from claims involving carbon monoxide exposure at a hotel and the catastrophic failure of a storage silo at a direct-reduced iron facility.
- Successfully represented major international insurer in coverage and bad faith litigation in New Mexico (admitted pro hac vice) involving a complex contractual indemnification claim.
- Second-chaired a trial in Texas court and obtained a judgment in her client’s favor in a coverage dispute involving theft of trade names and trade secrets.
- Obtained a complete grant of summary judgment in her client’s favor, that was not appealed, in coverage litigation involving substantial losses arising from a commercial transportation container prototype that was damaged during testing and could not be certified for use (2016 WL 3541829 (N.D. Tex. June, 28, 2016)).
- Frequently advises insurers regarding complex contractual issues under multi-state laws, including policy interpretation and disputes, and contractual indemnification and additional insured tenders.
- Routinely obtains summary judgments on behalf of insurers in Texas and in other states regarding their duty to defend and/or indemnify against high-dollar claims, including claims for business disparagement, additional insured coverage, failure of product or services and professional liability.
- Negotiates dismissal of coverage litigation against insurer-clients, without settlement payment, in favor of successfully resolving coverage disputes out of court and at a significant cost-savings to the client.
- Has represented insurers in appellate matters in the United States Court of Appeals for the Fifth and Eighth Circuits, and Texas appellate courts, obtaining rulings affirming summary judgments in her client’s favor.
Professional and Community Activities
Mariah is a member of the Dallas Bar Association, the Tort & Insurance Practice Section of the Dallas Bar Association, and the Insurance Section of the State Bar of Texas, where she serves on the Case Note/Article Sub-Committee. She is also a member of the Claims and Litigation Management (CLM) Alliance. Mariah is a former president and board member of the Dallas Women Lawyer’s Association.
Speeches and Presentations
- "Interaction or Lack Thereof Between Cyber, Property, and Crime Coverage: What’s Being Covered Where and When?," (panelist) American Conference Institute 14th Cyber and Data Risk Insurance Conference, November 30, 2016, San Francisco, California.
- "Cyber Breach Response and Cyber Law and Claims Scenarios," (panelist) CPCU Society Dallas - All Industry Day, October 20, 2016, Dallas, Texas.
- "Property Based Risks & Bodily Injury Resulting from a Cyber Event: Who Should Cover These Risks?," (panelist) American Conference Institute 13th Advanced Forum on Cyber & Data Risk Insurance, July 28, 2016, New York, New York.
- "Information Security, Privacy Liability & Breach Response: A Post-Mortem Examining the Legal Liability and the Best & Worst Practices after a Breach Incident," Regional Claims & Litigation Management Alliance, May 19, 2016, Austin and San Antonio, Texas.
- "Emerging Trends in Insurance for 2016 - Are You at Risk?," (co-presenter, presented insurer's perspective), 38th Corporate Counsel Institute Sponsored by The University of Texas School of Law, April 7, 2016, Houston Texas and May 5, 2016, Dallas, Texas.
- "Cyber Liability: Surviving the Wild Frontier," (panelist, presented insurer's perspective), Insurance Coverage Trends and Development, sponsored by the Texas Insurance Academy, May 5, 2016, Dallas, Texas.
- “Emerging Coverage Issues for Cyber Claims; Availability of New Insurance Products; Claims Trends and Underwriting Considerations; and Managing Claim Aggregation and Accumulation That Cyber Insurance Brings,” (panelist) American Conference Institute’s 12th National Advanced Forum on Cyber and Data Risk Insurance, March 31, 2016, Chicago, Illinois.
- “Cybersecurity: What Defense Lawyers Need to Know about Cyberliability, Cybercrime, and Coverage,” (panelist) International Association of Defense Counsel Southwest Regional Meeting, March 23, 2016, Dallas, Texas.
- “Information Security, Privacy Liability and Breach Response: A Post-Mortem Examining the Legal Liability and the Best and Worst Practices After a Breach Incident” (panelist, presented insurer perspective), Dallas Regional Claims and Litigation Management Alliance, February 25, 2016.
- "Cyber Insurance and Cyber Security", (panelist) 2015 Texas State Bar Advanced Business Law Course, November 19, 2015, Houston, Texas.
- "Hacking Through Cyber Insurance", (panelist) 20th Annual Insurance Law Institute, sponsored by The University of Texas Law School and the Insurance Law Section of the State Bar of Texas, November 12, 2015, Dallas, Texas.
- "Cyber Insurance", (co-presenter) Legal Issues in the Texas Hospitality Industry CLE, November 5, 2015, Dallas, Texas.
- "Hacking Through the Cyber Liability Claim: What You Need to Know to Prevent a Breach", Thompson Coe's 14th Annual Texas Insurance Law Update, October 16, 2015, Dallas, Texas.
- Presented CE presentations on Stowers and avoiding bad faith claims-handling, in-house to international insurance client, June 18, 2015, Kansas City, Kansas.
- "Hacking Through Cyber Insurance" (co-presenter) 2015 Texas State Bar Advanced Insurance CLE, June 12, 2015, San Antonio, Texas; available for replay through www.texasbarcle.com as "Best of Advanced Insurance Law 2015: A Collection of the Top Rated Presentations".
- "Insuring Cyber liability and Cyber-Related Risks" (panelist) Tort & Insurance Section of the Dallas Bar Association, May 5, 2015, Dallas, Texas.
- “Insurance Recovery for Cyber-Security Disasters” (presented insurer perspective), State Bar of Texas, recorded live as a webcast on April 29, 2015 and available for replay through www.texasbarcle.com
- “Hacking Through the Cyber Liability Claim: What You Need to Know to Prevent a Breach”, in-house to national insurance client, April 16, 2015, Dallas, Texas.
- “Hacking Through a Cyber-Claim and Related Insurance Issues”, 2015 Texas State Bar Business Essentials CLE, March 13, 2015, Dallas, Texas; available for replay through www.texasbarcle.com as "Best of Essentials of Business Law 2015: A Collection of the Top Rated Presentations."
- "Hacking Through the Cyber Liability Claim: What You Need to Know to Prevent a Breach", Thompson Coe's Monthly Webinar Series, February 10, 2014
- "The Anatomy of a Declaratory Judgment Action", Thompson Coe's Texas Litigation Update, October 9, 2014, Dallas, Texas.
- "The Duty to Settle in Texas: An Overview of the Stowers Doctrine", Thompson Coe's Monthly Webinar Series, August 12, 2014
- Presented CE presentations on Stowers and avoiding bad faith claims handling, in-house to national insurance client, August 21, 2013, December 7, 2013, Dallas, Texas.
- "Tips on Managing Your Claim File and Keeping Bad Faith at Bay", Thompson Coe's Monthly Webinar Series, August 13, 2013
- "Tips on Managing Your Claim File and Keeping Bad Faith at Bay", Thompson Coe's 11th Seminar on Texas Insurance Law Development, October 25, 2012, Dallas, Texas.