Joseph L. Cowan, II

Joseph L. Cowan, II is a Member who works in insurance coverage and business litigation. His practice focuses on advising clients about coverage issues and defending claims involving breach of contract, bad faith, and fraud. He handles matters tied to catastrophic losses, natural disasters, business interruption, and cyber risk claims.

Joseph earned his J.D. from Cumberland School of Law, cum laude, in 1996, and his B.A. from George Mason University in 1993. He was admitted to the Alabama State Bar in 1996. This education supports his work in insurance disputes, business torts, construction matters, and civil trial work and appeals.

Joseph regularly consults with contractors and sureties on insurance coverage and risk transfer issues. His work also includes trials and appeals involving product liability, construction, fidelity and surety, and other complex civil litigation. Clients look to him for guidance in disputes that involve careful review of policies, contracts, and claims.

Joseph has written and spoken on insurance litigation topics, including institutional bad faith, defending business interruption claims, preparing the insurance claim representative for testimony, and using social media to combat insurance fraud. He served as faculty for CLM Claim College, School of Extra-Contractual Claims, from 2017 through 2020 for professionals.

Joseph has received recognition for his insurance law work. He is rated Martindale-Hubbell® AV Preeminent and has been listed in Best Lawyers In America© for Insurance Law from 2014 through 2026. These awards reflect his standing in the legal field and his experience with insurance litigation matters and related disputes.

Joseph L. Cowan, II is affiliated with the Alabama State Bar, Birmingham Bar Association, Alabama Defense Lawyers Association, and Claims and Litigation Management Alliance. His representative work includes insurance, surety, payment bond, software records, arbitration, and bad faith matters. His practice remains focused on clear advice and strong legal advocacy.

Law Office Affiliations

• Member, Hand Arendall Harrison Sale LLC
• Member, Alabama Bar Association
• Member, Birmingham Bar Association
• Member, Claims and Litigation Management Alliance
• Member, Alabama Defense Lawyers Association

Licensed State

• Alabama

Education

• Cumberland School of Law
  Juris Doctor (JD)
• George Mason University
  Bachelor of Arts (BA)

Awards & Badges