• Insurance Company: 5 years.
  Executive Officer (CEO, COO, CFO, Chief Actuary): 5 years. CEO, COO, General Counsel
• Reinsurance Company: 22 years.
  Legal Department: 10 years. General Counsel
  Executive Officer (CEO, COO, CFO, Chief Actuary): 12 years. COO, EVP, General Counsel
• Law Firm (Insurance/Reinsurance Practice): 6 years.
  Associate: 6 years. Associate

Insurance vs. Reinsurance: 30/70%
Treaty vs. Facultative Reinsurance: 80/20%
Current Insurance or Reinsurance Company Officer
Former Insurance or Reinsurance Company Director

ARIAS Conference Faculty: 1; Spring 2017

Number of Arbitrations

As Employee Manager: 10

As Corporate Representative: 10

Steven Najjar practiced law in the insurance corporate and regulatory group of Morris, Manning & Martin, LLP before joining Hannover Re, the world’s third largest reinsurer. During his tenure with Hannover Re, Mr. Najjar has occupied various executive positions with Hannover Life Reassurance Company of America, the U.S. life & health reinsurance subsidiary of Hannover Re, as its General Counsel, Chief Operating Officer and Executive Vice President in charge of the Company’s Health and Special Risk business unit. Mr. Najjar also served as the President and Chief Executive Officer of Clarendon Insurance Group, Hannover Re’s U.S. property & casualty program company, where he reorganized Clarendon and formed Praetorian Financial Group to hold certain assets of Clarendon, eventually selling both Praetorian and Clarendon.

Mr. Najjar spent part of his career with Universal American Corp. and its health insurance subsidiaries as Chief Compliance Officer, General Counsel and Chief Operating Officer. In addition to providing traditional health and medical insurance products to the commercial market, Universal American also serves the senior market. During Mr. Najjar’s employment with Universal American, the company grew revenues to more than $5 billion through its senior market expansion into Medicare Advantage and Part D prescription drug plan products.

Mr. Najjar’s 29 years of insurance and reinsurance legal practice and industry experience includes mergers and acquisitions; assisting and directing arbitrations (as both outside and in-house counsel); state and federal regulation; life & health and property & casualty products; distribution and TPA oversight; strategic and tactical company management; thought leadership; corporate governance; life insurance underwriting manuals and automated systems; reorganizations and workouts; captives, dedicated cells and SPV structures; insurance-linked securitization (ILS) transactions; and a variety of alternative capital optimization and management transactions using reinsurance, derivatives, and letters of credit. He is a frequent speaker at insurance meetings and conferences, and serves as a member on several committees of leading life insurance industry associations.

He received his undergraduate degree in Journalism from the University of Georgia, and his law degree from Georgia State University, College of Law. He is a former law clerk for US District Court Judge Marvin H. Shoob and retired Georgia Supreme Court Justice Leah Ward-Sears.