Lloyd Bernstein

Shareholder, Portland Office
Board of Directors

Direct Dial: 503.499.4586
Fax: 503.295.0915

Practice Areas


Bar Admissions

  • California, inactive
  • Oregon
  • Washington

Court Admissions

  • U.S. District Court, District of Oregon
  • U.S. District Court, Central District of California
  • U.S. District Court, Southern District of California
  • U.S. Court of Appeals, Ninth Circuit


  • California Western School of Law - J.D.
  • State University of New York, Plattsburg - B.S.
  • University of Central Lancashire-England - Study Abroad

Practice Experience

Lloyd Bernstein's practice focuses on litigation where clients rely upon him to evaluate, analyze, and resolve insurance coverage disputes and extra-contractual or bad faith claims in the Pacific Northwest. Lloyd's work for clients often involves extensive motion practice and/or trial in State and Federal Court. But effective representation does not always mean trial, and he recognizes that a successfully arbitrated, mediated or negotiated resolution can be more appropriate for his clients. His experience in court helps him counsel clients on the best path for resolution.

While Lloyd concentrates in first-party property disputes, he advises and represents clients regarding various issues presented by the following lines of insurance:

  • Personal Property & Liability
  • Commercial Property & Liability
  • Builders Risk & Inland Marine
  • Professional, Employment & Fiduciary Liability
  • Technology & Cyber Liability
  • Excess & Surplus  

Lloyd also advises clients on, and has extensive experience litigating:

  • Employment, harassment, and discrimination disputes
  • General, business, and commercial contracts and torts
  • Products, professional and premises liability cases
  • Construction, title and escrow and real estate disputes
  • Catastrophic injury and wrongful death cases

Lloyd's experience representing insurers and businesses has made him a sought-after speaker on insurance law topics. In addition, his participation in professional associations related to his defense work has given him many opportunities to write and speak on related issues. Lloyd is a member of the Oregon Association of Defense Counsel, Board of Directors and an otherwise active community member and volunteer.

Professional and Civic Involvement

  • Oregon Association of Defense Counsel (President, 2020; Board Member, 2014-2020; Chair, Insurance Coverage Practice Group, 2011-2013; Member, Governmental Affairs Committee)
  • Defense Research Institute (Member, Insurance Law Committee, Property Insurance Subcommittee, Bad Faith Subcommittee)
  • Association of Defense Trial Attorneys (Member)
  • American Jewish Committee (Member, Oregon Chapter)
  • Bauer Crest Home Owners Association (President, 2011-2017)
  • i9 Sports (Volunteer Youth Flag Football Coach)
  • Stand for Children Oregon (Beaverton Chapter Leader, 2013-2015)
  • West Side YMCA (Volunteer Youth Basketball Coach)

Awards and Honors

  • AV® Preeminent™, Peer Review Rated by Martindale-Hubbell
  • Selected for inclusion in The Best Lawyers in America© (2021, 2020, 2019 — Commercial Litigation; Insurance Law; Litigation - Insurance)
  • Named as a "Rising Star" in Oregon Super Lawyers (2008 — Insurance Coverage)
  • Recipient of The State Bar of California's Wiley W. Manuel Award for Pro Bono Legal Service

Advisories and Insights

Publications and Presentations

  • Co-Speaker, "COVID-19 Business Interruption Insurance Litigation," Multnomah Bar Association Continuing Legal Education Seminar (January 2021)
  • Co-Speaker, "A New Approach to Policy Limit Demands," Perrin Conferences Insurance Coverage & Allocation Issues Conference (May 2019)
  • Speaker, "Overview of Legal Environment for Auto Claims in Washington," Defense Research Institute (DRI) Webcast (November 2018)
  • Co-Speaker, "Bad Faith Remedies and Stipulated Settlements: A Mock Negotiation," The Seminar Group, Legal and Professional Education, Northwest Insurance Law: A Comprehensive Review (October 2018)
  • Co-Speaker, "Policy Limit Demands – Strategies, Pitfalls and Recent Developments," Perrin Conferences Insurance Coverage & Allocation Issues Conference (April 2018)
  • Speaker, "Legal Audits, Attorney/Client and Discovery Issues," American Conference Institute (ACI) Insurance Coverage & Extra-Contractual Disputes Conference (November 2016)
  • Speaker, "Latest Trends and Developments in Insurance Litigation," Oregon CPCU Society Chapter Meeting (September 2016)
  • Host & Co-Speaker, Bullivant's Pacific Northwest Client Claims Clinic (April 2016 & February 2016)
  • Moderator, "Corporate Representative Depositions – Practicalities, Pitfalls and Strategies," Oregon Association of Defense Counsel (OADC) Fall Seminar (2015)
  • Speaker, "Examinations Under Oath: Practicalities, Pitfalls and Strategy," Oregon Association of Defense Counsel (OADC) Insurance Coverage Group CLE (2014)
  • Speaker, "Insurance Coverage for Cyber Losses," Oregon Association of Defense Counsel (OADC) Fall Seminar (2013)
  • Speaker, "Maintaining the Warranty – Confronting Insurance Coverage Issues Before & During Trial," Oregon Association of Defense Counsel (OADC) Annual Conference (2012)
  • Speaker, "Business Interruption Insurance and Lessons Applicable to the Japanese Disaster and Other Catastrophes," Defense Research Institute (DRI) Property Insurance Webcast (2011)
  • Speaker, "Hot Topics in Insurance Coverage – Cyber Losses & Business Loss Claims," Primerus Defense Institute (PDI) Insurance Coverage & Bad Faith Seminar (2010)
  • Speaker, "Property Insurance Appraisals: Scope, Effect and Other Considerations," CNA Webinar (2010)
  • Speaker, "Homeowner Liability Claims: Dealing with Problem Issues," Property Loss Research Bureau/Liability Insurance Research Bureau (PLRB/LIRB) Annual Conference (2010)
  • Speaker, "First-Party Cyber Losses: When the Network Goes Down," Property Loss Research Bureau/Liability Insurance Research Bureau (PLRB/LIRB) Large Loss Conference (2009)
  • Author, "Avoiding a ‘Collapse' of Common Sense," Oregon Association of Defense Counsel (OADC) Summer Newsletter (2009)
  • Speaker, "Computer Virus: Adjusting Losses in a Worldwide Network Environment," Property Loss Research Bureau/Liability Insurance Research Bureau (PLRB/LIRB) Large Loss Conference (2008)
  • Speaker, "Thorny Issues with Commercial Property Coverages," Property Loss Research Bureau/Liability Insurance Research Bureau (PLRB/LIRB) Regional Conference (2008)
  • Speaker, "Emerging Torts: Good Old Negligence - The Latest Theory In Cyber Liability?," Washington Defense Trial Lawyers (WDTL) Tort Law Update (2007)
  • Speaker, "Analyzing Intellectual Property Coverage Claims," Property Loss Research Bureau/Liability Insurance Research Bureau (PLRB/LIRB) Regional Conference (2007)
  • Speaker, "Liability Lurking in Your Backyard," Oregon State Bar Legal Links Talk Show (2005)
  • Speaker, " Bad Faith Litigation in Oregon," National Business Institute (NBI) Seminar (2004)
  • Author, "‘Captive' Insurance Agent Has No Duty to Homeowners," Oregon Association of Defense Counsel (OADC) Newsletter (2002)

Outside the Firm

When he's not practicing law, Lloyd enjoys spending quality time with his wife, three children, and dogs.