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Larry Arnold, Cummins & White LLP

Larry Arnold

Senior Counsel

“In addition to being a lawyer, I have my own business ventures, so I am a business person too. I understand the economics of risk and the significance of resolution. Our motto is to resolve each matter as quickly as possible to provide the best financial outcome for our clients.”


  • BA (Political Science), University of Southern California
  • JD, United States International University, California Western School of Law


  • Martindale-Hubbell® Law Directory’s highest AV rating

Mr. Arnold joined Cummins & White, LLP in 1974 and became a partner in 1978. Mr. Arnold practices in the areas of insurance, real estate, and business law, with emphasis on insurance coverage, civil litigation, real estate and business transactions.

Mr. Arnold represents insurance companies and their insureds in first- and third-party coverage disputes, including concurrent cause, force placed, environmental, fraud, errors and omissions, and duty to defend issues.

He handles all aspects of litigation in federal and state courts arising out of insurance and bad faith issues and in such areas as professional liability, property damage, catastrophic injury and employment practices/wrongful termination. He also has substantial experience in many types of real estate and business transactions and litigation, including formation, purchases and sales, financing, and leasing. From 1985 to 1987 and from 1999 to 2001, Mr. Arnold served as Cummins & White’s managing partner.

Bar Admissions

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

Practice Areas

  • Insurance Coverage
  • Insurance Litigation
  • Catastrophic Casualty Defense
  • Insurance Code § 2071 Appraisals
  • Business Transactions and Litigation
  • Real Estate Transactions
  • Real Estate Litigation

Insurance Catastrophes

Mr. Arnold has an extensive background in providing legal advice on claims catastrophes such as earthquakes and hurricanes. Mr. Arnold has handled more than 100 earthquake claims and has tried several. He also has handled more than 25 earthquake appraisals. He has served as a consultant to insurance carriers in drafting their earthquake policies.

Representative Clients

  • Chubb Group of Insurance Companies
  • Allianz Group
  • Great American Insurance Group
  • Greer & Kirby Co., Inc.
  • Technical Risk Underwriters
  • P.M. Properties


  • State Bar of California
  • Orange County Bar Association
  • The Federation of Defense & Corporate Counsel (FDCC)
  • Property Loss Research Bureau (PLRB)
  • Loss Executives Association (LEA)
  • Claims and Litigation Management Alliance (CLM)
  • Defense Research Institute (DRI)
  • Insurance Appraisal and Umpire Association, Inc. (IAUA)
  • Certified Property Appraiser and Umpire (CPAU)

Charitable Interests & Community Service

Mr. Arnold was appointed by California Governor George Deukmejian to the Board of Directors of the 32nd District Agricultural Association (Orange County Fair) in 1983, and served as its president in 1987 and 1992. He also was chairman of the California 4-H Foundation, the Orange County 4-H Support Committee and a founding director of the Newport National Little League.