ZEK has an active practice representing major commercial insurers in a broad range of matters. ZEK has represented major insurers in more than 100 commercial bankruptcy cases. Our firm routinely acts on behalf of insurers as creditors in commercial bankruptcy matters. We have broad experience with bankruptcy disputes involving loss-sensitive insurance programs, captive insurers, security disputes, retro-insurance, relief from stay motions, alleged preferences, other avoidance actions, and claims resolution procedures. In addition, ZEK has an active practice in representing insurers when insureds file for bankruptcy due to the overwhelming pressure of toxic tort claims, as outlined in our Mass Tort Bankruptcy section. ZEK attorneys also have experience representing bank clients and other clients in prosecuting insured claims. These include losses to inventory, cargo, ships and other collateral. We have experience before insurance departments in many states in the country as well as off-shore in connection with regulatory matters. ZEK has represented both insurers and captive reinsurers in the United States and in off-shore proceedings, and we represent insurers in the negotiation and documentation of specialized insurance programs. ZEK also represents insurers and premium finance companies seeking to collect retro-premiums, loss reimbursement obligations, reinsurance balances, captive balances and premium finance loans. We represent insurers in state, federal and bankruptcy courts, and in arbitration.