Committed to fairness and focus on results rather than process, Susan Mack has been named a "Best Lawyer in America" for 2022 and 2023.

Susan Mack Image
What makes the Law Offices of Susan E. Mack, P.A. distinctive?  Ms. Mack replies that these qualities demonstrate how she practices law and conducts alternative dispute resolution (ADR) proceedings:
  • Tenacity
  • Commitment to Fairness and
  •  Focus on Results, rather than Process.
A lawyer in active practice for 39 years, Ms. Mack’s career milestones encompass:
  • Successfully negotiating with Lloyd’s, London to collect over $40 million in overdue reinsurance receivables pertaining to asbestos and hazardous waste casualty claims as well as complex property claims.
  • Leading Law and Compliance Departments as the first female General Counsel in both life/health and property/casualty reinsurers.
  • As a corporate counsel, managing multiple arbitrations of up to $250 million each in controversy to dispositive awards in favor of her corporate client.
  • Concluding large-scale asset acquisitions, stock acquisitions and joint ventures.
  • Starting up captive insurers, reinsurers and insurers.
  • Structuring complex reinsurance transactions, including treaty and trust drafting and associated negotiations.
  • Conducting large-scale corporate and insurance regulatory compliance audits and cyber-security audits
Alternative Dispute Resolution Practice
A co-founder of the ARIAS-US Arbitration Society and the first female director of this organization dedicated to the resolution of insurance and reinsurance disputes, Ms. Mack has been appointed as a neutral or party-appointed arbitrator in 120 arbitration proceedings. Since 2001, she has continuously maintained her credentials with ARIAS-US as a certified umpire, certified arbitrator and qualified mediator.
Ms. Mack is also an American Arbitration Association neutral, appearing on that arbitration society’s Commercial and Healthcare lists. She is also listed as an arbitrator on the list of the American Health Lawyers Association.
While Ms. Mack welcomes all ADR referrals, her areas of focus encompass:
  • Life, long-term care and disability insurance disputes.
  • Annuity disputes
  • Medical Stop Loss disputes, particularly between insurers and providers.
  • Other Accident and Health controversies
  • Casualty disputes, including both personal and commercial lines and such exposures as asbestos, hazardous waste, toxic tort and sexual molestation.
  • Property
  • Surety and Fidelity
Ms. Mack boasts C-suite experience as a General Counsel, Chief Compliance Officer, Chief Claims Officer and Chief Contracts Officer of both life/health and property/casualty companies.  Importantly, she has served as a business executive in charge of Transamerica Reinsurance’s Accident and Health book of business, primarily consisting of medical stop loss policies.  Accordingly, Ms. Mack’s experience qualifies her as a former or retired executive officer of insurance and reinsurance companies. Her insurer and reinsurer senior employment includes:
  • Head Reinsurance Counsel ………………………………. Aetna Casualty and Surety Insurance Company
  • General Counsel and Claims Vice President ………. St. Paul Re, Inc.
  • SVP and General Counsel ………………………………… Transamerica Reinsurance
  • SVP, General Counsel and Secretary …………………. The Main Street America Group
  • Secretary and General Counsel …………………………. Royal Neighbors of America.
Expert Witness Referrals
Susan E. Mack has provided expert witness reports and testimony in the U.S. District Court for the Northern District of New York, the U.S. District Court for the District of New Jersey and New York state court.  She has also served as an expert witness in reinsurance arbitrations in both the U.S. and Canada.
Areas in which she has been sought after as an expert witness to date include:
  • Life reinsurance custom and practice
  • Property/casualty reinsurance custom and practice
  • Property/casualty reinsurance claims, extending to the scope of claims audits.
  • The nature and extent of the follow-the fortunes and follow-the settlements doctrines
  • Workers Compensation premium calculations
  • Retrocession claim handling
Susan E. Mack As A Lawyer To Corporate Clients
Many law firms hold themselves out to be “outside general counsel” to their corporate clients, but those experiences pale in comparison to those of lawyers –such as Ms. Mack– who have served alongside their clients, learned their businesses, and advised them in both good times and bad. When Ms. Mack counsels her corporate clients, she brings a depth of practical experience and financial acumen to resolve their issues. 
In the insurance and reinsurance industries, Ms. Mack is one of a handful of legal counsel with hands-on experience in both the life/health and property/casualty sectors. Ms. Mack’s national practice centers about counseling clients in the formation, licensure, regulation and purchase and sale of reinsurers, insurers and related entities, including brokers and agents, claim administrators, managing general underwriters, managing general agencies and service providers. Captive insurer formation and captive-related issues are part of Ms. Mack’s focus.  Structuring and negotiating reinsurance treaties and trusts remains a significant part of her practice.


  • AV Peer Review Rated-Martindale- Hubbell
  • American Arbitration Association, Commercial Arbitrator and Health Care Arbitrator
  • ARIAS-US, Certified Umpire and Certified Arbitrator
  • ARIAS-US, Qualified Mediator
  • American Health Lawyers Association Arbitrator

Representative Legal and Compliance Matters

  • Structured and negotiated reinsurance treaties and trusts for U.S. and Bermuda reinsurance entities.
  • Authored Anti-Money Laundering Guidelines for Texas-domiciled insurer.
  • Completed Insurance Regulatory and Cybersecurity Audit for D. C.- domiciled insurer.
  • Assessed property/casualty insurance compliance of Florida-domiciled insurer initially and ongoing basis for 5 years.
  • Drafted Corporate Governance Annual Disclosures for insurers domiciled in several states.
  • Assessed and mitigated cyber-security exposures and evaluated technology contracts to assist clients with their in-house and outsourced technology solutions.
  • Drafted bylaws for and served as a corporate governance advisor to both for-profit and not-for-profit entities.

Community Service and Professional Affiliations

Maintaining close ties to the Jacksonville corporate counsel community, Ms. Mack is co-founder and past president of the North Florida Chapter of the Association of Corporate Counsel. She is Chair-Elect of the Board of Directors of the Seamark Ranch residential facility for children as well as a member of the Ponte Vedra Beach Rotary Club. She was Greater Jacksonville’s Executive Chair for the American Heart Association’s “Go Red for Women’ event. Shed is a 2009 graduate of Leadership Jacksonville.

She is a member of the Journal of Reinsurance’s insurance advisory board.

She serves on the ethics committee of ARIAS-US.

While general counsel of the Main Street America Group in Jacksonville from 2006-11, Susan was a member of the State Relations Committee of the National Association of Mutual Insurance Companies. She participated frequently in member meetings of the Property Casualty Insurers Association of America, the predecessor to the present American Property Casualty Insurance Association. While general counsel of St. Paul Re, Inc. from 1996-98, she served as a key member of the Law Committee and the Claims Committee of the Reinsurance Association of America (RAA). Finally, as General Counsel of Transamerica Reinsurance (a predecessor company to SCOR Global Life and Health) from 1998 to 1996, she had the honor of being the first Chair of the RAA Life Committee and a Chair of the American Council of Life Insurers (ACLI) Reinsurance Committee.

Email: semack@susanemacklaw.com
Phone: (904) 477-6361

264 Royal Tern Rd. North,
Ponte Vedra Beach, Florida 32082

Areas of Practice:
Alternative Dispute Resolution (ADR)
(Arbitration; Mediation)
Cybersecurity, Cyber Insurance and Data Privacy

Boston College School of Law (J.D.)
Dartmouth College (B.A. with distinction)

Bar Admissions:
North Carolina
South Carolina
Northern, Middle and Southern-
U.S. District Courts-Florida