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Stephanie Kao

Member

skao@harrisbeachmurtha.com
D: (617) 951-2075  
- Boston, MA – Federal Reserve Office
- New York, NY Office
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Stephanie Kao
Profile
Representative Matters
Resources
Distinctions

Stephanie represents U.S. and international insurers in coverage matters with a focus on transactional liability. Her representation in these matters specifically involves claims and coverage issues arising under representations and warranties (RWI) policies in connection with M&A transactions, ranging from hundreds of thousands to billions of dollars. She represents a diverse array of companies and industries in disputes such as accuracy of financial statements, loss of customers, condition of assets such as real property, IT and equipment, unpaid taxes, IP rights, and compliance with laws. Stephanie also advises insurers regarding subrogation rights arising out of payment of RWI claims.

Stephanie’s previous experience as coverage counsel for insurers of financial lines policies gives her unique perspectives and experience beyond just evaluating coverage that are beneficial to her clients. Stephanie relies on her coverage experience to conduct thorough investigations of the claim, work effectively with consultants, provide clear analysis regarding breach and loss and advise her clients regarding efficient claim resolution and other legal considerations. She brings extensive experience and problem-solving skills to investigating claims, all while grounded in the practicality of impact and commercial objectives.

  • Represented insurers in disputes regarding enforcability of patents and patent infringement lawsuits
  • Represented insurers in disputes regarding allegations of fraud in connection with material customer and contracts representations
  • Represented insurers in disputes regarding whether revenue and expense reported on financial statements were in accordance with applicable accounting standards and related allegations of fraud
  • Represented insurers in disputes regarding compliance with federal and state wage and hour and employee classification laws
  • Represented insurers in disputes regarding condition of assets and compliance with laws in connection with manufacturing and food processing facilities
  • Represented insurers in contingent liability claims involving large personal injury lawsuits

Professional and Civic

  • American Bar Association, member
  • Boston Bar Association, member
  • Massachusetts Bar Association, member
  • Women’s Bar Association of Massachusetts, member
  • Asian-American Lawyers Association of Massachusetts, member
  • Girls who Code, member
Admissions
MassachusettsNew YorkWashington
Education

Boston University School of Law

JD 

University of Michigan, Stephen M. Ross School of Business

BBA 
with distinction

Capabilities

Legal Practices

Member of:

Coverage
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Stephanie Kao

Stephanie Kao

Member

skao@harrisbeachmurtha.com
Capabilities
People
Harris Beach Murtha Attorneys at Law
Stephanie Kao

Stephanie Kao

skao@harrisbeachmurtha.com
D: (617) 951-2075
Boston, MA - Federal Reserve Office
New York, NY Office

Profile

Stephanie represents U.S. and international insurers in coverage matters with a focus on transactional liability. Her representation in these matters specifically involves claims and coverage issues arising under representations and warranties (RWI) policies in connection with M&A transactions, ranging from hundreds of thousands to billions of dollars. She represents a diverse array of companies and industries in disputes such as accuracy of financial statements, loss of customers, condition of assets such as real property, IT and equipment, unpaid taxes, IP rights, and compliance with laws. Stephanie also advises insurers regarding subrogation rights arising out of payment of RWI claims.

Stephanie’s previous experience as coverage counsel for insurers of financial lines policies gives her unique perspectives and experience beyond just evaluating coverage that are beneficial to her clients. Stephanie relies on her coverage experience to conduct thorough investigations of the claim, work effectively with consultants, provide clear analysis regarding breach and loss and advise her clients regarding efficient claim resolution and other legal considerations. She brings extensive experience and problem-solving skills to investigating claims, all while grounded in the practicality of impact and commercial objectives.

Areas of Expertise

Legal Practices

Member of:

Coverage
Please select listing to show.

Admissions

MassachusettsNew YorkWashington

Representative Matters

  • Represented insurers in disputes regarding enforcability of patents and patent infringement lawsuits
  • Represented insurers in disputes regarding allegations of fraud in connection with material customer and contracts representations
  • Represented insurers in disputes regarding whether revenue and expense reported on financial statements were in accordance with applicable accounting standards and related allegations of fraud
  • Represented insurers in disputes regarding compliance with federal and state wage and hour and employee classification laws
  • Represented insurers in disputes regarding condition of assets and compliance with laws in connection with manufacturing and food processing facilities
  • Represented insurers in contingent liability claims involving large personal injury lawsuits

Distinctions

Professional and Civic

  • American Bar Association, member
  • Boston Bar Association, member
  • Massachusetts Bar Association, member
  • Women’s Bar Association of Massachusetts, member
  • Asian-American Lawyers Association of Massachusetts, member
  • Girls who Code, member
Attorney Advertising. Prior results do not guarantee a similar outcome. © 2026 Harris Beach Murtha Cullina PLLC
Content current as of September 12, 2026 6:45 am