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Tamara Smith Holtslag

Member

tsmith@harrisbeachmurtha.com
D: (617) 951-2012  
- Boston, MA – Federal Reserve Office
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Tamara Smith Holtslag
Profile
Representative Matters
Resources
Distinctions

Tamara, co-leader of the firm’s Coverage Practice Group, is an accomplished civil litigator who defends businesses, individuals and insurers. Over her 30-year career, she has deep experience handling complex insurance matters and insurance coverage litigation; advising clients on insurance coverage and best claims handling practices; defending medical professionals and others in professional liability, state board and licensure matters; and defending businesses and owners against business, tort and contract claims. She represents clients in the state and federal courts of Massachusetts and New Hampshire, as well as before state licensing bodies, and in private arbitration.

In the area of insurance coverage litigation, Tamara has extensive experience representing insurers in declaratory judgment actions involving interpretation of policy language and determinations of coverage in various courts. She has successfully appealed many matters before the Massachusetts Appeals Court and the First Circuit Court of Appeals. Tamara counsels clients daily on insurance coverage issues, good faith insurance practices and other issues of insurance contract interpretation that often implicate the laws of various states across the nation.

Tamara is the Chair of the Insurance Law Section (2013 – present) of the New Hampshire Bar Association, a position that she has continually held since she petitioned the NHBA to establish the Insurance Law Section in 2012. She is also one of the founding Board members and immediate past Co-Chair of the New England Chapter of the Association of Professional Insurance Women, a national organization. She is also a mentor for professional women across the business and insurance ecosystems, and a frequent speaker and panelist at industry and bar association events.

  • Favorably resolved suit against subcontractor client alleged to have negligently constructed portions of multi-million Cape Code home, 2026
  • Gretzky v. AmGuard Insurance Co., No. 1:25-cv-10267-NMG, 2025 WL 3140762 (D. Mass. Nov. 10, 2025): federal court provided clarity for the safe-harbor provisions of Chapter 93A, § 9(3), reaffirming that a timely, well-supported written tender may successfully invoke the safe harbor provisions and prevent exposure to punitive damages in post-judgment allegations of bad faith. Damages limited to $232,769 versus the plaintiff’s claim of $6.75 million.
  • Barbara Newman v. Jacob Simon, Esq., et al., No. 2484CV01801 (Mass. Super. Apr. 2, 2025) (granting motion to dismiss and holding plaintiff’s Chapter 176D claim against insurer barred by applicable statute of limitations).
  • AIG Property Casualty Company v. Lee Rosenthal & Ryan Denver, No. 22-CV-11401-ADB, 2024 WL 1075157 (D. Mass. Mar. 12, 2024): summary judgment for insurer holding that insurer did not have a duty to defend insured who breached duty to cooperate by refusing to sit for examination under oath
  • Nahant Pres. Tr., Inc. v. Mount Vernon Fire Ins. Co., 78 F.4th 48 (1st Cir. 2023): affirming district court’s dismissal of lawsuit where insured provided late notice under claims-made policy
  • Mary Alexandre v. National Union Fire Ins. Co. of Pittsburgh, PA , 514 F. Supp.3d 375 (D. Mass. Jan. 20, 2021): Affirmed on appeal to the First Circuit, 22 F. 4th 261 (Jan. 3, 2022): Obtained summary judgment ruling in favor of insurer client in federal court, holding that claim administrator’s decision to deny AD&D benefits under an ERISA plan was supported by the substantial evidence in the record, and that its decision was neither arbitrary, capricious nor an abuse of discretion; the case concerned the definition of “Injury” in the Plan and the correct disclaimer of benefits under the Plan’s “Intentional Self-Inflicted Injury” Exclusion, as well as the appropriate framework utilized by the First Circuit when interpreting the term “accident” in AD&D insurance policies.
  • Selective Insurance Company of the Southeast v. Steadfast Insurance Co., 2021 WL 5052718 (Aug. 30, 2021): Obtained summary judgment for client insurer on issues of insurance coverage under a Commercial General Liability policy, where auto exclusion applied to preclude coverage for accident arising out of “use” of van, where “completed operations rule” applied
  • Resolved suit against general contractor client alleged to have negligently overseen the renovation of million dollar Boston-area home (2021).
  • Ark Underwriting v. Lexington Insurance Co., (D. Mass. 2020) obtained summary judgment for insurer in federal court on issues relating to additional insured coverage, where court found firm’s client did not have an obligation to defend or indemnify contractors on a large Boston-based project as they did not qualify as “additional insureds”
  • Resolved suit on behalf of skilled nursing facility in case alleging negligent treatment of resident with multiple co-morbidities (2020).
Insights
News
Events
External Publications
February 1, 2024

“Cyber Liability: An Overview of Corporate/Law Firm Exposure, Preparedness, and Cyber Insurance,”  New Hampshire Bar News, (co-authored with Scarlett Rajbanshi and Jessica Eldridge)

February 23, 2023

"Recent Developments on an Insurer’s Right to Recoupment,” American Bar Association’s 31st Annual Midyear Meeting of the Tort and Insurance Practice’s Insurance Coverage Litigation Committee

January 25, 2023

“Coverage Litigation and Insurability of Business Interruptions Related to COVID,” The Risk Management Society

February 16, 2022

“Business Interruption Coverage Cases Still Trending Toward Insurers,” New Hampshire Bar News

May 6, 2021

“Insurance Law 2021,” New Hampshire Bar Association CLE

February 17, 2021

“Businesses Largely Without First Party Insurance Coverage For Losses On Account Of Pandemic, Despite Coverage Lawsuits,” New Hampshire Bar News

Prev ...12... Next

Professional and Civic

  • New England Chapter of the Association of Professional Insurance Women, founder, board member and immediate past co-chair of board
  • New Hampshire Bar Association, Insurance Law Section, founder and chair
  • Boston Bar Association, member
  • Women’s Bar Association, member
  • Massachusetts Bar Association, member
  • American Bar Association, member
  • Winchester Country Club, member

Recognition

  • Litigation Counsel of America, Fellow, (invitation-only honorary society for trial lawyers, with membership capped at 3,500 Fellows, representing less than one-half of 1% of all American attorneys)
  • Massachusetts Lawyers Weekly, Top Women of Law, 2023
  • Super Lawyers, “Rising Star,” 2005-2008; 2010-2011
  • New England Business Bulletin, “Top Young Professional Under 40,” 2009
Admissions
MassachusettsNew HampshireU.S. Court of Appeals, First CircuitU.S. District Court, District of MassachusettsU.S. District Court, New HampshireU.S. Supreme Court
Education

Suffolk University Law School

JD 

University of New Hampshire

BA 
cum laude

Capabilities

Legal Practices

Co-Leader for:

Coverage

Member of:

Professional Liability
Business Litigation
Coverage
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Tamara Smith Holtslag

Tamara Smith Holtslag

Member

tsmith@harrisbeachmurtha.com
Capabilities
People
Harris Beach Murtha Attorneys at Law
Tamara Smith Holtslag

Tamara Smith Holtslag

tsmith@harrisbeachmurtha.com
D: (617) 951-2012
Boston, MA - Federal Reserve Office

Profile

Tamara, co-leader of the firm's Coverage Practice Group, is an accomplished civil litigator who defends businesses, individuals and insurers. Over her 30-year career, she has deep experience handling complex insurance matters and insurance coverage litigation; advising clients on insurance coverage and best claims handling practices; defending medical professionals and others in professional liability, state board and licensure matters; and defending businesses and owners against business, tort and contract claims. She represents clients in the state and federal courts of Massachusetts and New Hampshire, as well as before state licensing bodies, and in private arbitration.

In the area of insurance coverage litigation, Tamara has extensive experience representing insurers in declaratory judgment actions involving interpretation of policy language and determinations of coverage in various courts. She has successfully appealed many matters before the Massachusetts Appeals Court and the First Circuit Court of Appeals. Tamara counsels clients daily on insurance coverage issues, good faith insurance practices and other issues of insurance contract interpretation that often implicate the laws of various states across the nation.

Tamara is the Chair of the Insurance Law Section (2013 – present) of the New Hampshire Bar Association, a position that she has continually held since she petitioned the NHBA to establish the Insurance Law Section in 2012. She is also one of the founding Board members and immediate past Co-Chair of the New England Chapter of the Association of Professional Insurance Women, a national organization. She is also a mentor for professional women across the business and insurance ecosystems, and a frequent speaker and panelist at industry and bar association events.

Areas of Expertise

Legal Practices

Co-Leader for:

Coverage

Member of:

Professional Liability
Business Litigation
Coverage
Please select listing to show.

Admissions

MassachusettsNew HampshireU.S. Court of Appeals, First CircuitU.S. District Court, District of MassachusettsU.S. District Court, New HampshireU.S. Supreme Court

Representative Matters

  • Favorably resolved suit against subcontractor client alleged to have negligently constructed portions of multi-million Cape Code home, 2026
  • Gretzky v. AmGuard Insurance Co., No. 1:25-cv-10267-NMG, 2025 WL 3140762 (D. Mass. Nov. 10, 2025): federal court provided clarity for the safe-harbor provisions of Chapter 93A, § 9(3), reaffirming that a timely, well-supported written tender may successfully invoke the safe harbor provisions and prevent exposure to punitive damages in post-judgment allegations of bad faith. Damages limited to $232,769 versus the plaintiff’s claim of $6.75 million.
  • Barbara Newman v. Jacob Simon, Esq., et al., No. 2484CV01801 (Mass. Super. Apr. 2, 2025) (granting motion to dismiss and holding plaintiff’s Chapter 176D claim against insurer barred by applicable statute of limitations).
  • AIG Property Casualty Company v. Lee Rosenthal & Ryan Denver, No. 22-CV-11401-ADB, 2024 WL 1075157 (D. Mass. Mar. 12, 2024): summary judgment for insurer holding that insurer did not have a duty to defend insured who breached duty to cooperate by refusing to sit for examination under oath
  • Nahant Pres. Tr., Inc. v. Mount Vernon Fire Ins. Co., 78 F.4th 48 (1st Cir. 2023): affirming district court’s dismissal of lawsuit where insured provided late notice under claims-made policy
  • Mary Alexandre v. National Union Fire Ins. Co. of Pittsburgh, PA , 514 F. Supp.3d 375 (D. Mass. Jan. 20, 2021): Affirmed on appeal to the First Circuit, 22 F. 4th 261 (Jan. 3, 2022): Obtained summary judgment ruling in favor of insurer client in federal court, holding that claim administrator’s decision to deny AD&D benefits under an ERISA plan was supported by the substantial evidence in the record, and that its decision was neither arbitrary, capricious nor an abuse of discretion; the case concerned the definition of “Injury” in the Plan and the correct disclaimer of benefits under the Plan’s “Intentional Self-Inflicted Injury” Exclusion, as well as the appropriate framework utilized by the First Circuit when interpreting the term “accident” in AD&D insurance policies.
  • Selective Insurance Company of the Southeast v. Steadfast Insurance Co., 2021 WL 5052718 (Aug. 30, 2021): Obtained summary judgment for client insurer on issues of insurance coverage under a Commercial General Liability policy, where auto exclusion applied to preclude coverage for accident arising out of “use” of van, where “completed operations rule” applied
  • Resolved suit against general contractor client alleged to have negligently overseen the renovation of million dollar Boston-area home (2021).
  • Ark Underwriting v. Lexington Insurance Co., (D. Mass. 2020) obtained summary judgment for insurer in federal court on issues relating to additional insured coverage, where court found firm’s client did not have an obligation to defend or indemnify contractors on a large Boston-based project as they did not qualify as “additional insureds”
  • Resolved suit on behalf of skilled nursing facility in case alleging negligent treatment of resident with multiple co-morbidities (2020).

Distinctions

Professional and Civic

  • New England Chapter of the Association of Professional Insurance Women, founder, board member and immediate past co-chair of board
  • New Hampshire Bar Association, Insurance Law Section, founder and chair
  • Boston Bar Association, member
  • Women’s Bar Association, member
  • Massachusetts Bar Association, member
  • American Bar Association, member
  • Winchester Country Club, member

Recognition

  • Litigation Counsel of America, Fellow, (invitation-only honorary society for trial lawyers, with membership capped at 3,500 Fellows, representing less than one-half of 1% of all American attorneys)
  • Massachusetts Lawyers Weekly, Top Women of Law, 2023
  • Super Lawyers, “Rising Star,” 2005-2008; 2010-2011
  • New England Business Bulletin, “Top Young Professional Under 40,” 2009
Attorney Advertising. Prior results do not guarantee a similar outcome. © 2026 Harris Beach Murtha Cullina PLLC
Content current as of October 13, 2026 2:15 am