Nancy E. Zangrilli

Nancy E. Zangrilli is a partner practicing in the area of insurance coverage, subrogation, and complex litigation. For over fifteen years, Nancy has represented a diverse group of clients, including insurance companies, self-insured corporations, manufacturers, and homeowners, in insurance coverage disputes and subrogation matters in state and federal courts. She has significant experience litigating coverage disputes arising under commercial general liability, first-party property, and excess liability. Nancy handles all aspects of litigation including pretrial, trial, and appellate work.

Prior to joining Stewart Smith, Nancy was a partner at a well-respected insurance defense firm, where she represented a Fortune 100 corporation in high-profile litigation throughout the country on matters involving insurance coverage, premises security, products liability, premises liability, and pharmacist malpractice. In addition, she handled multi-district litigation involving talc exposure and mass tort litigation involving pharmaceutical drugs. Prior to that, Nancy worked at a boutique insurance coverage firm concentrating her practice in long tail environmental coverage claims arising from leaking underground storage tanks. 

Primary Practice Areas

Areas of Focus
  • Additional Insured Coverage
  • CGL Insurance Coverage
  • Directors & Officers (D&O) Coverage
  • Long Tail Claims & Allocation
  • Rescission & Fraud
  • Umbrella & Excess Coverage
  • Sexual Abuse & Sexual Harassment Liability Coverage

Obtained dismissal of breach of contract and bad faith claims on summary judgment on behalf of an insurer involving property damage to a commercial building caused by a tenant prior to vacating the property.  Successfully argued that the insured’s claims were not covered under the policy due to the entrustment exclusion.

Obtained dismissal of breach of contract and bad faith claims on partial summary judgment and a bench trial in the Eastern District of Pennsylvania on behalf of an insurer involving claims for property damage caused by the insured’s former manager of a commercial property, which were deemed not covered pursuant to the policy’s entrustment exclusion.

Obtained dismissal of a declaratory judgment action on summary judgment, which was affirmed by the Third Circuit, involving claims by a primary insurer that it was entitled to reimbursement of more than $1 million for its defense and indemnification of its insured in an underlying personal injury matter involving catastrophic injuries sustained in a construction accident.  Successfully argued that the primary insurer had no right to reimbursement under the terms of the additional insured endorsement of the commercial general liability policy. 

Obtained a defense verdict before a jury in Philadelphia County on behalf of an insurer in a breach of contract and bad faith action. The corporate plaintiff, who sustained extensive flood damage to one of its properties, claimed that it was entitled to coverage under its insurance policy. The jury found that the property was abandoned under the terms of the policy, and therefore, the loss was not covered.

Second-chaired a jury trial on behalf of a large manufacturer of space heaters where it was alleged that a commercial rental property was destroyed in a fire due to manufacturing and design defects contained within a space heater. The defense established that the fire was caused by defective house wiring instead of the space heater resulting in a defense verdict.

  • Pennsylvania Bar Association
Publications & Speaking Engagements

Key Issues Related to Umbrella and Excess Insurance, Co-Presenter; Client Training Session, October 24, 2019

Insurance Subrogation and Product Defect/Contamination Insurance, Presenter; European Crisis Management Summit, September 13, 2019

Data Breach and Cyber Security, Co-Presenter, The Dispute Resolution Institute, Annual Personal Injury Potpourri, April 2019.

“Linking In”: How to Enhance Your Legal Marketing, Trial and Other Practitioner Skills Through Social Media, Panelist, The National Association of Women Lawyers’ Annual Meeting, 2016.

Developing and Promoting a Diverse Environment Inside and Outside the Legal Community, Moderator, The National Association of Women Lawyers’ 11th Annual General Counsel Institute, 2015.


Regular attendee at fundraisers for Good Samaritan Services Shelter in Phoenixville, PA, Phoenixville Community Education Foundation, and Alex’s Lemonade Stand.

Donor for Wigs 4 Kids, a non-profit organization that provides wigs and support services at no charge to children and young adults experiencing hair loss due to cancer, alopecia, trichotillomania, burns and other disorders.

Past volunteer at the Phoenixville Area High School assisting students with their opening statements and closing arguments, and acted as a judge at their mock trial competition.