Tom Henderson focuses his practice on representing policyholders in suing insurance companies for bad faith and getting insurance companies to pay what the insurance policy promises to pay. Tom spent the first 20 years of his practice representing the insurance companies, answering their questions about whether the policy provided coverage for various claims, and even defending them when they were sued.
Tom uses this unusual background to his clients’ advantage because he knows where the weak spots are, where the smoking guns are hidden and how best to structure his clients’ cases to maximize the potential of getting the insurance companies to pay. Tom represents both individual consumers and businesses in their pursuit of insurance claims. For consumers, this includes auto, uninsured and underinsured motorist, homeowners, renters, liability, property, health, disability, and life insurance claims. For businesses, this includes auto, liability, property, lost profits, directors and officers, professional liability, and construction insurance claims. These claims can range from a few thousand dollars to millions of dollars.
Tom was recently selected by his peers for inclusion in The Best Lawyers in America© in 2013-2020 in the field of Insurance Law. Tom has also been recently recognized as a People’s Choice Best Insurance Lawyer, 2013. Tom has also been selected to Super Lawyers® since 2014.
Tom has achieved great success getting insurance companies to pay money on claims that had previously been denied, and in getting insurance companies to pay much more money than they previously offered. Tom has won many jury verdicts for his clients in insurance bad faith cases, including obtaining verdicts that included punitive damages.
In December of 2018, the Jewish Journal interviewed Mr. Henderson about his practice on representing policyholders in suing insurance companies for bad faith and getting insurance companies to pay what the insurance policy promises to pay: Click here to access the article: https://jewishjournal.com/culture/just-asking/243523/insurance-expert-after-the-fires/.
Tom has negotiated agreements between policyholders and injured persons, known in Colorado as Bashor or Nunn Agreements. These agreements allow policyholders who caused injury to another, but whose insurance company has not honored its obligation to defend or financially protect the policyholder, to escape the potential of financial ruin in return for assigning their rights to go after their own insurance company.
Tom was admitted to practice in Colorado in October of 1987. Tom is a member of the Colorado Trial Lawyers Association, the Bad Faith subcommittee of the Colorado Trial Lawyers Association, the American Association for Justice, the American Bar Association, and the Denver and Arapahoe County Bar Associations. Tom also lectures on insurance bad faith and insurance coverage to groups of policyholders.
After graduating in 1983 with a Bachelor of Arts Degree in History from Whitman College in Walla Walla, Washington, Tom obtained his Juris Doctor Degree from the University of Denver Sturm College of Law in 1987. When not practicing law, Tom enjoys spending time with his wife and two sons by going skiing, camping, climbing Colorado’s 14ers, and playing volleyball and golf. Tom also assists in teaching a law class at Arapahoe High School by helping the students present a mock trial twice during each school year.
Martindale-Hubbell DistinguishedSM Rating
Selected to Best Lawyers® in America, 2013 - 2020
Selected to Colorado Super Lawyers®, 2014 - 2020
5280 Magazine Top Lawyer, 2017 and 2019-2020 - Insurance
Barrister’s Best People’s Choice, Best Insurance Lawyer, 2013 - Law Week Colorado
American Jurisprudence Award in Criminal Procedure
Phi Alpha Delta
Member, Litigation Section, Colorado Bar Association
U.S. District Court, District of Colorado, 1988
U.S. Supreme Court
J.D., 1987, The University of Denver Sturm College of Law
B.A., 1983, Whitman College
The Rocky Mountain Children's Law Center - Board of Directors
Colorado Bar Association
Colorado Trial Lawyers Association (CTLA)
American Association for Justice (AAJ)
Denver Bar Association
Arapahoe County Bar Association - Secretary & Board Member
Access to Justice Committee Co-Chair for 18th Judicial District
Co-Author: “Cannibalizing Limits Policies: Bad Faith Lurks When Defense Costs Devour the Policy Limit” – American Association for Justice: Insurance Law Newsletter, Winter 2015
Instructor: "Nuts and Bolts of Depositions" - Arapahoe County Bar Association
Instructor: "Bad Faith Litigation from Start to Finish" - National Business Institute
Instructor: "Is it Bad Faith?" - National Business Institute
Instructor: "Advising Your Business Clients on Insurance Policies" - National Business Institute