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Kristin Heres
161 Worcester Road
Suite 502
Framingham MA 01701
TEL: (781) 466-0732
FAX: (781) 466-0701
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Bar and Court Admissions

Kristin Suga Heres

Since joining Zelle in 2004, Kristin’s practice has focused on the resolution of complex business disputes, including insurance coverage issues, reinsurance matters, and tort and contract claims in the securities context. She has worked on many of the firm’s largest and most challenging cases, including a high-value Hurricane Katrina claim, several 9/11-related coverage matters, and a major securities case involving a prominent U.S. bank. Kristin has also been involved in a number of liability insurance coverage matters, including environmental- and asbestos-related coverage matters. In recent years, Kristin has been involved in obtaining successful outcomes in two substantial reinsurance arbitrations.

Representative Matters

Represented leading participant in reinsurance dispute regarding settlement of multi-billion dollar claims arising out of the September 11 attack on the World Trade Center.

Allianz Global Risks US Insurance Co. v. MGM Mirage (high-value insurance coverage litigation in connection with Hurricane Katrina)

Port Authority & WTC Properties v. Allianz Global Risks US Insurance Co., et al.  (declaratory judgment action on insurance coverage issues arising out of the 9/11 terrorist attack on the World Trade Center)

IMC Global, Inc. v. Employers Insurance Company of Wausau (multi-million dollar Illinois insurance coverage action)

Gambacorto v. Sunoco, Inc., et al. (insurance coverage action involving environmental issues)

Confidential reinsurance arbitration (successful representation of client in a high-value dispute over whether an event was a fire or boiler and machinery loss)

Articles & Presentations

Do CGL Policies Provide Coverage for Coronavirus Claims and/or Lawsuits?, Zelle Webinar, April 7, 2020, co-presenter

"Climate Change and Insurance: Learn From MTBE, Asbestos," Insurance Law360, April 2, 2019, co-author

"Alarming Trend Continues with Weymouth Condo Fire," Massachusetts Law360, September 19, 2017, author

"Dual Boston Blazes Prompt a New Look at Construction Risks," Insurance Law360, August 3, 2017, author

"The 9/11 Litigation - The "Number of Occurrences" Dispute of the Century," The Brief, Fall 2016, co-author

"What Constitutes ‘Physical Loss’ for Property Insurance?" Insurance Law360, April 4, 2016, author

"Laminate Flooring and Chinese Drywall: Where Are We Now?" Insurance Law360, November 12, 2015, author

"Is Laminate Flooring The New Drywall For Insurers?," Insurance Law360, March 6, 2015, author

"Calif. Offers Regulation As Solution To Underinsurance," Insurance Law360, June 25, 2014, author

"5th Circ. Continues Pro-Appraisal Trend In Texas," Insurance Law360, November 12, 2013, author

"Don't Miss The Boat On Rescission Claims," Insurance Law360, March 5, 2013, author

"Brace Yourselves For More Sandy-Related Litigation," Insurance Law360, January 8, 2013, co-author

Professional Affiliations


Kristin was named a Massachusetts "Rising Star" for 2012-2018 (Insurance Coverage and Business Litigation) by Super Lawyers magazine.

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