Tom Henderson focuses his practice on representing policyholders in suing insurance companies for bad faith and getting insurance companies to pay what the insurance policy promises to pay. Tom spent the first 20 years of his practice representing the insurance companies, answering their questions about whether the policy provided coverage for various claims, and even defending them when they were sued.
Tom uses this unusual background to his clients' advantage because he knows where the weak spots are, where the smoking guns are hidden and how best to structure his clients' cases to maximize the potential of getting the insurance companies to pay. Tom represents both individual consumers and businesses in their pursuit of insurance claims. For consumers, this includes auto, uninsured and underinsured motorist, homeowners, renters, liability, property, health, disability and life insurance claims. For businesses, this includes, auto, liability, property, lost profits, directors and officers, professional liability and construction insurance claims. These claims can range from a few thousand dollars to millions of dollars.
Tom was recently selected by his peers for inclusion in The Best Lawyers in America in 2013, 2014, 2015, and 2016 in the field of Insurance Law. Tom has also been recently recognized as a People's Choice Best Insurance Lawyer, 2013. Tom has also been selected to Super Lawyers since 2014.
Tom has achieved great success getting insurance companies to pay money on claims that had previously been denied, and in getting insurance companies to pay much more money than they previously offered. Tom has won many jury verdicts for his clients in insurance bad faith cases, including obtaining verdicts that included punitive damages.
Tom has negotiated agreements between policyholders and injured persons, known in Colorado as Bashor or Nunn Agreements. These agreements allow policyholders who caused injury to another, but whose insurance company has not honored its obligation to defend or financially protect the policyholder, to escape the potential of financial ruin in return for assigning their rights to go after their own insurance company.
Tom was admitted to practice in Colorado in October of 1987. Tom is a member of the Colorado Trial Lawyers Association, the Bad Faith subcommittee of the Colorado Trial Lawyers Association, the American Association for Justice, the American Bar Association, and the Denver and Arapahoe County Bar Associations. Tom also lectures on insurance bad faith and insurance coverage to groups of policyholders.
After graduating in 1983 with a Bachelor of Arts Degree in History from Whitman College in Walla Walla, Washington, Tom obtained his Juris Doctor Degree from the University of Denver Sturm College of Law in 1987. When not practicing law, Tom enjoys spending time with his wife and two sons by going skiing, camping, climbing Colorado's 14ers, and playing volleyball and golf. Tom also assists teaching a law class at Arapahoe High School by helping the students present a mock trial twice during each school year.
Honors & Accolades
Martindale-Hubbell DistinguishedSM Rating
Selected to Best Lawyers in America, 2013 - 2016
Barrister's Best People's Choice, Best Insurance Lawyer, 2013 - Law Week Colorado
Selected to Colorado Super Lawyers, 2014 - 2016
American Jurisprudence Award in Criminal Procedure
Phi Alpha Delta
Member, Litigation Section, Colorado Bar Association
Publications & Media
Co-Author: “Cannibalizing Limits Policies: Bad Faith Lurks When Defense Costs Devour the Policy Limit” - American Association for Justice: Insurance Law Newsletter, Winter 2015
“Up In Smoke” - Law Week Colorado, April 10, 2013