Sandy P. Fay is a Shareholder in the firm’s Insurance Regulatory and Corporate & Transactional practice groups. He represents insurance industry clients nationwide on regulatory compliance, corporate structuring, licensing, mergers and acquisitions, reorganizations, solvency matters, and market conduct issues. Sandy advises start-ups and established carriers on formation, expansion into new jurisdictions, financing transactions, and ongoing regulatory obligations.

Sandy prepares regulatory filings, drafts and negotiates insurance-related agreements, and represents clients in administrative proceedings involving rate hearings, licensing, and rule challenges. He works closely with insurance regulators across all 50 states and manages every phase of the licensing and approval process.

In addition to his regulatory practice, Sandy counsels clients on corporate and transactional matters, including entity formation, shareholder and operating agreements, confidentiality issues, employment agreements, and financing and loan transactions. He also has experience in commercial litigation, class actions, and appellate matters in state and federal courts.

Representative Matters

  • Formation and licensure of property and casualty insurers, premium finance companies, HMOs, warranty associations, and MGAs
  • Regulatory approval of insurer and holding company acquisitions
  • Expansion of a national workers’ compensation insurer into multiple jurisdictions
  • Nationwide licensure of a surplus lines insurer
  • Multiple mergers involving a property and casualty insurer
  • Nationwide licensure of a boiler and pressure vessel insurer
  • Drafting and regulatory approval of holding company and affiliate transactions
  • Expansion of a large health insurer into more than 20 jurisdictions

Special Recognition

  • Ranked in Chambers USA Guide, 2025 – Insurance Transactional & Regulatory

Thought Leadership

Professional Associations & Memberships

  • Broward County Bar Association
  • Stephen R. Booher American Inn of Court
  • Phi Delta Phi International Legal Honor Society

Civic and Community Involvement

  • Boy Scouts Troop 497, Coral Springs, Florida – Committee Secretary, 2018-Present
  • Cub Scouts Pack 179, Coral Springs, Florida – Committee Member
  • Tamarac Moose Lodge 2267, Tamarac, Florida – Chaplain, April 2025-Present
  • Tamarac Moose Lodge 2267, Tamarac, Florida – Sergeant at Arms, 2024-2025