Annabelle Harris


“Successful lawyers understand that strategy is everything. In each of my cases, I formulate an individual strategy that accounts for a wide range of factors presented and is specific to that case alone. Focus on that strategy separates me from other lawyers and explains why I get exceptional results.”


  • BA (English Literature), California State University, Fullerton
  • Salzburg Institute of Legal Studies, Salzburg, Austria
  • JD, University of the Pacific, McGeorge School of Law

Ms. Harris joined Cummins & White, LLP in 1987 and became a partner in 1994. Ms. Harris represents insurance companies and their insureds in all aspects of insurance coverage, from policy drafting to coverage analysis to claim appraisals, “bad faith” litigation and appeals. As leader of the firm’s appellate group, Ms. Harris has handled nearly 100 appeals in state appellate and supreme courts, as well as the 9th Circuit Court of Appeal.

Ms. Harris has represented appellants, respondents, real parties in interest and Amicus Curiae in a number of appeals that have established new law on a wide range of subjects from insurance to securities to business and real estate matters.

Bar Admissions

  • U.S. District Court (Central, Eastern & Southern Districts of California)
  • U.S. Court of Appeals, Ninth Circuit

Practice Areas

  • Insurance Coverage
  • Insurance Litigation
  • Appellate Matters
  • Civil Litigation

Representative Clients

  • CNA
  • Great American Insurance Group
  • XL Insurance
  • Salem Lutheran Church
  • Santa Monica BMW
  • CIBA Insurance Services


  • State Bar of California
  • American Bar Association
  • Orange County Bar Association
  • Phi Alpha Delta Law Fraternity

Charitable Interests & Community Service

Ms. Harris has coached the Orange High School team in national mock trial competitions sponsored by the Constitutional Rights Foundation.  She has served on the Youth Board of Salem Lutheran Church helping to establish policies and plan activities for the youth groups. She was on the Parent Council Executive Board for Servite High School for several years.  Ms. Harris has also raised significant funds for various charitable organizations, including the Avon Foundation for Breast Cancer, the Triple Negative Breast Cancer Foundation and through the creation and coordination of the biennial Half Dome Climb supporting the Michael J. Fox Foundation.

Special Notes

While at McGeorge School of Law, Ms. Harris served as staff comment writer (1985–1986) and note editor (1986–1987) for the Pacific Law Journal, as well as staff writer for the International and Comparative Law Journal (1986–1987). She was on the Dean’s Honor Roll (1984–1985), and was the recipient of the Verne Adrian and Annabel McGeorge Academic Scholarship (1985). She also was honored for her work with the indigent for Community Legal Services. Ms. Harris is fluent in American Sign Language.