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Todd G. Smith

  • Biography
  • Representative Experience
  • Admissions, Activities & Honors
  • Updates, News & Presentations
  • Blog Posts
  • Education

Since joining the firm, Todd has helped clients resolve their most difficult commercial disputes, including those involving employee benefits and insurance coverage. Todd has represented parties in complex commercial litigation throughout the state and is a past president of the Western District of Wisconsin Bar Association, an association of lawyers practicing in the fast-moving federal district court in Madison. Todd is the leader of the firm's ERISA Litigation Team.

In addition, Todd's practice has emphasized representing clients in ERISA litigation and other disputes involving benefits provided pursuant to self-funded arrangements, including welfare and retirement benefits plans subject to regulation under the Employee Retirement Income Security Act of 1974 (ERISA). Whenever possible, Todd proactively works with clients to identify and avoid risk in complex ERISA matters through training that is tailored to meet the particular needs of a company.  When litigation does arise, Todd’s significant experience in this area has helped him to successfully defend ERISA plans against suits seeking benefits as well as claims alleging breach of fiduciary duties. Todd also represents insurance companies in ERISA litigation seeking life, health and disability benefits under insurance policies. Todd also helps his clients out of court, advising plan sponsors and benefits committees on recent ERISA developments.

Todd also represents Wisconsin insurers in litigation, with a focus on complex coverage matters, including claims involving intellectual property, construction defects and environmental contamination. Todd also represents insurance companies in cases alleging bad faith or improper industry- or company-wide claims handling practices. Todd has helped clients revise their policy language and claims procedures and has testified before the Wisconsin legislature on proposed legislation affecting the insurance industry.

In addition to his trial court practice, Todd routinely represents clients in state and federal appellate courts. A leader in the Wisconsin appellate bar, Todd is a former chair of the Appellate Practice Section of the State Bar of Wisconsin. Todd has argued cases before the Wisconsin Supreme Court, Wisconsin Court of Appeals and Seventh Circuit Court of Appeals on a wide variety of cases, including insurance claims, ERISA appeals, employment disputes, copyright disputes, civil rights claims, family law disputes and criminal appeals. Before beginning practice, Todd served a one-year judicial clerkship with the Wisconsin Court of Appeals.

Todd is a cum laude graduate of the University of Wisconsin Law School, and received his undergraduate degree in Political Science from the University of Wisconsin-Madison.  He has worked as a legislative aide in the United States Senate and Wisconsin State Senate. He is an active member of the Defense Research Institute as well as Wisconsin Defense Counsel.

Representative Experience

Old Republic Ins. Co. v. Liberty Mutual Fire Ins. Co., 2015 WL 5794134 (E.D. Wis. J. Randa) (obtained summary judgment ruling that client insurer was not obligated to pay settlement costs incurred by other carrier due to lack of notice).

Smith v. Medical Benefit Administrators Group, Inc., Eastern District of Wisconsin Case No. 09-C-538 (J. Randa) (obtained dismissal of monetary claims in purported ERISA class action against TPA, alleging improper claims handling practices, dismissal affirmed on appeal)

McCarter v. Retirement Plan for the District Managers of the American Family Ins. Group, 2008 US App LEXIS 18808 (lead counsel for retirement benefit plans in ERISA class action lawsuit challenging lump sum provision of plans; won summary judgment dismissing suit and recovering attorney fees from plaintiffs and their counsel).

LG Electronics, Inc. v. Quanta Computer, Inc., et al.,Western District of Wisconsin Case No. 07-C-361 (J. Crabb) (local counsel in patent infringement suit involving optical storage technology)

Contacts Synchronization Corp. v. Sprint Nextel Corp., et al., Western District of Wisconsin Case No. 07-C-250 (J. Crabb) (local counsel in patent infringement suit involving computer and mobile technology software)

Ricoh, Ltd. v. Asustek Computer, Inc., et al., Western District of Wisconsin Case Co. 06-C-462-C (J. Crabb) (local counsel in patent infringement case involving optical computer disk technology, secured order dismissing certain clients on personal jurisdiction grounds)

Cisco Systems, Inc. et al. v. Forgent Networks, Western District of Wisconsin Case Co. 07-C-85-S (J. Shabaz) (local counsel in patent infringement case involving data compilation software)

Computer Docking Station Corp. v. Dell, Inc., et al.,Western District of Wisconsin Case No. 06-C-32 (J. Crabb) (local counsel in patent infringement case involving computer hardware technology)

Johnson Outdoors v. USF&G et al., Eastern District of Wisconsin Case No. 05-C-264 (J. Clevert) (successfully resolved bad faith claim against insurance carrier denying coverage for personal injury claim based on lack of notice)

Olday v. Barneveld School Dist., Dane Co. Case No. 02-CV-2591 (secured summary judgment of no coverage for sexual misconduct claim)

Rodriguez v. Wineski, Western District of Wisconsin Case No. 05-C-59-S (secured summary judgment for defendants in sexual misconduct claim)

Wistrom v. Employers Ins. Co. of Wausau, Marathon Co. Case No. 98-CV-462 (successfully established that bad faith claims against carriers in workers compensation proceedings are barred by exclusive remedy statute)

Haupt, et al. v. McFarlane Incentive Savings and Profit Sharing Plan, et al., Western District of Wisconsin Case No. 03-C-100 (J. Shabaz) (successfully defended ERISA plan in benefits and breach of fiduciary duty litigation)

Gaiman v. Todd McFarlane Productions, Inc.,  Western District of Wisconsin Case No. 02-C-48 (J. Shabaz) (Copyright and contract litigation involving rights in comic book works)

Summerlin v. Georgia-Pacific Life, Health & Accident Plan, 366 F. Supp. 2d 1203 (M.D. Ga. 2005) (represented both a plan and a TPA in a case establishing that ERISA pre-empted Georgia's anti-subrogation statute)

Kontowicz v. American Standard Ins. Co., 2006 WI 90 (interpreting statutes relating to imposition of interest on unpaid insurance claims) (amicus curiae counsel for Wisconsin Insurance Alliance and Civil Trial Counsel of Wisconsin)

Westhaven Associates, Ltd. v. C.C. of Madison, Inc., 2002 WI App 230 (establishing standards for liquidated damages clauses in commercial leases)

Fernandez v. Strand, 63 F.Supp.2d 949 (E.D. Wis. 1999) (J.Adelman) (establishing principle in federal court that Wisconsin insurers need not provide defense counsel to insured when complaint fails to allege covered conduct)

Admitted To Practice

Wisconsin - 1996

Court Admissions

United States Court of Appeals, Federal Circuit
United States Court of Appeals, Seventh Circuit
United States Court of Appeals, Tenth Circuit
United States District Court, Central District of Illinois
United States District Court, District of Colorado
United States District Court, Eastern District of Wisconsin
United States District Court, Western District of Wisconsin

Professional Associations

Dane County Bar Association
Defense Research Institute (DRI)
Self-Insurance Institute of America
State Bar of Wisconsin
Wisconsin Defense Counsel


Middleton Cross Plains Area School District Board of Education - Member

City of Madison, Broadband and Telecommunications Regulatory Board - Former Chair

Defense Research Institute (DRI) – Membership Committee Member, Law in Transition Committee Member, Former Wisconsin SLDO Representative

James E. Doyle American Inns of Court - Former Officer

Middleton Outreach Ministry – President, Board of Directors

State Bar of Wisconsin – Past Chair, Appellate Practice Section

Tort and Insurance Practice Section of the American Bar Association

University of Wisconsin Badger Basketball Booster Club – Former Board Member

Western District of Wisconsin Bar Association – Past President

Wisconsin Defense Counsel – Past Board Member

Wisconsin Supreme Court Office of Lawyer Regulation – former Special Investigator

West Middleton Lutheran Church  –  Council Member


Listed in Best Lawyers (Commercial Litigation, 2013 - present)

News & Publications

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Blog Posts

Insurtech: Insurers driving innovation through investmentFebruary 23, 2018Insurable Interests | Insurance Industry Developments | Blog
Wisconsin Court of Appeals grapples with the problem posed by multiple claimants and inadequate limitsJanuary 17, 2018Insurable Interests | Commercial General Liability Coverage (CGL) | Blog
Hole-in-one windfall creates insurance coverage headacheJanuary 02, 2018Insurable Interests | Bad Faith | Commercial General Liability Coverage (CGL) | Directors & Officers Coverage (D&O) | Insurance Industry Developments | Professional Liability | Regulatory Developments | Blog
Implications of autonomous vehicles on tort and insurance lawNovember 16, 2017Insurable Interests | Insurance Industry Developments | Blog
Wisconsin Supreme Court clarifies remedy for breach of the duty to defendAugust 02, 2017Insurable Interests | Duty to Defend | Blog
Effective insurance coverage position letters: A well drafted CPL can assist carrier and policyholder alikeJuly 05, 2017Insurable Interests | Commercial General Liability Coverage (CGL) | Construction Defect | Duty to Defend | Blog
American Law Institute delays action on liability insurance restatementMay 31, 2017Insurable Interests | Commercial General Liability Coverage (CGL) | Duty to Defend | Insurance Industry Developments | Regulatory Developments | Blog
Wisconsin Supreme Court confirms that interpretation of policy language is ordinarily an issue of law for the courtMarch 29, 2017Insurable Interests | Commercial General Liability Coverage (CGL) | Blog
Wisconsin Court of Appeals considers insurance coverage for allegations of failure to render aidMarch 01, 2017Insurable Interests | Commercial General Liability Coverage (CGL) | Blog
Seventh Circuit finds coverage for West Virginia’s nuisance suit against pill distributorFebruary 21, 2017Insurable Interests | Commercial General Liability Coverage (CGL) | Duty to Defend | Blog
Policy endorsement that is silent regarding stacking of UIM coverage nonetheless supersedes prior endorsement permitting stackingJanuary 23, 2017Insurable Interests | Bad Faith | Uninsured & Underinsured Motorist Coverage (UM/UIM) | Blog
Allegations in class action complaint trigger insurance policy’s TCPA exclusion January 04, 2017Insurable Interests | Class Actions | Blog


Juris Doctor, University of Wisconsin Law School, 1996, cum laude

Bachelor of Arts, University of Wisconsin-Madison, Political Science

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Lauren Kowalk

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