Disciplined in Sophisticated Defense and Insurance Litigation

Kimberly Ramey is a Partner in Butler’s main office located in Tampa, Florida. Her practice is primarily devoted to Liability Insurance Coverage disputes, with a focus on general liability coverage. She has extensive experience handling and litigating third-party claims involving a variety of coverages, including auto liability, commercial general liability, personal/premises liability, professional liability, and excess and umbrella.  Kimberly is skilled at transferring risk and minimizing exposure in multi-party disputes, including those involving complex construction defects and catastrophic accidents. She is frequently retained to defend insureds in premises liability, automobile negligence, construction accident, construction defect, and personal injury cases.

Kimberly is the author of several articles published in legal journals, including publications issued by DRI and Mealey’s.  She is regularly invited to speak about insurance-related topics at regional and national industry conferences.  Additionally, Kimberly is a member of the American Bar Association’s Tort Trial and Insurance Practice Section (ABA), the Claims and Litigation Management Alliance (CLM), the Defense Research Institute (DRI), and the Property and Liability Resource Bureau (PLRB). 

Kimberly earned her Doctor of Jurisprudence, magna cum laude, from Nova Southeastern University where she served as Articles Editor for Nova Law Review.  She is a member of the Florida Bar and is also admitted to practice in all federal courts in the State of Florida as well as the 11th Circuit Court of Appeals. 


  • Florida


  • University of Central Florida
    Bachelor of Science
  • Nova Southeastern University
    Doctor of Jurisprudence


  • American Bar Association (ABA)
  • American Bar Association's Tort Trial and Insurance Practice Section
  • Defense Research Institute's Insurance Law Committee


  • Eleventh Circuit Court of Appeals

Norman Wilson v. Essentia Insurance Company, 2019-CA-010668, Broward County Circuit Court (case voluntarily dismissed with prejudice after the filing of a motion for sanctions seeking dismissal for fraud upon the court). 

Zamora v. Ace Am. Ins. Co., 17-23201-CIV, 2019 WL 7376731, at *1 (S.D. Fla. Aug. 28, 2019) (summary judgment entered in favor of excess insurer; insurer satisfied its statutory obligation to make $1 million in Uninsured Motorist Coverage available as part of the application and named insured rental car company’s selection of $100,000 coverage limit was binding upon rental car customers).

Starr Indem. & Liab. Co. v. Miami Chocolates, LLC, 17-CV-23626, 2018 WL 4026731, at *8 (S.D. Fla. Aug. 21, 2018) (summary judgment granted in favor of insurer; policy’s breach of contract and trademark infringement exclusions applied to relieve insurer of any duty to defend or indemnify its insured with respect to a claim for unfair competition premised upon the insured’s alleged unauthorized use and display of a trademark and other brand-name items following the termination of a franchise agreement).

QBE Specialty  Ins. Co. v. Scrap.,Inc., No. 3:16-cv-00212-MCR-EMT (N.D. Fla., March 2, 2018) (summary judgment granted in favor of insurer; no coverage for $750,000 unallocated verdict where the insured refused to seek allocation despite numerous requests).

Certain Underwriters at Lloyds, London Subscribing to Policy No. SA 10092-11581 v. Waveblast Watersports, Inc., 80 F. Supp. 3d 1311 (S.D. Fla. 2015) (co-primary insurer was required to respond to underlying lawsuit on pro-rata basis by virtue of “other insurance” clauses contained in both policies). 

Am. Econ. Ins. Co. v. Traylor/Wolfe Architects, Inc., 3:12-CV-1094-J-32JBT, 2014 WL 3867676 (M.D. Fla. 2014) (true facts involved in the underlying claim demonstrated that insurer could withdraw its defense and deny coverage in a traumatic leg amputation negligence case, notwithstanding the false allegations in the complaint).

Ohio Cas. Ins. Co. v. Garden of Eat'n of Tampa, Inc., 8:10-CV-2602-T-33TBM, 2011 WL 3879512 (M.D. Fla. 2011), aff'd, 471 Fed. Appx. 862 (11th Cir. 2012) (summary judgment granted in favor of insurer based upon employers’ liability exclusion).

November 21, 2013 PUBLICATIONThis Mediation Is Confidential, Right?

Mediation is an effective dispute resolution tool because it allows participants to openly discuss all aspects of a dispute without the fear of recourse or retribution. Confidentiality is a critical component of this process. Litigants and insurers participating in mediation often proceed under the assumption that all communications and conduct occurring during mediation will be cloaked with protection. However, exceptions to confidentiality are slowly eroding what is commonly referred to as the absolute ‘‘mediation privilege.''

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December 09, 2010 PUBLICATIONSplitting The Baby: The Insurer's Duty To Notify The Insured Of The Need For An Allocated Verdict

This is one of a series of articles originally published in Mealey's Litigation Report: Insurance Bad Faith, Vol. 24, #15 (December 9, 2010). © 2010  

[Editor's Note: Fay E. Ryan is a partner the Tampa office of Butler Weihmuller Katz Craig LLP, which also has offices in Chicago, Charlotte, Mobile, Tallahassee and Miami. She is an experienced trial attorney in the firm's Extra-Contractual, Third-Party Coverage, and Liability Departments. Kimberly N. Gorak is a senior associate in the Tampa office of Butler , also practicing in the firm's Extra-Contractual, Third-Party Coverage, and Liability Departments. Any commentary or opinions do not reflect the opinions of Butler or Mealey's. Copyright © 2010 by Fay E. Ryan and Kimberly N. Gorak. Responses are welcome .]

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January 28, 2010 PUBLICATIONA Look Back At Some Of 2009s Significant Bad Faith Decisions

This is one of a series of articles originally published in Mealey's Litigation Report: Insurance Bad Faith, Vol. 23, #18 (January 28, 2010). © 2010

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Court Decisions


April 16, 2018 EVENTPLRB Claims Conference- Multiple Claimant Cases: Minimizing Exposure

Butler Partner Kimberly Ramey and Crawford & Company's Patricia Farve presented on "Multiple Claimant Cases: Minimizing Exposure" at the PLRB Claims Conference in Orlando on April 16th and 17th.

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March 27, 2017 EVENTPLRB Claims Conference - Multiple Claimant Cases: Minimizing Exposure

Kimberly Ramey from Butler Weihmuller Katz Craig along with co-presenter Jamie Flowers, presented in Boston, MA at the PLRB Claims Conference on the topic of "Multiple Claimant Cases: Minimizing Exposure" on March 27, 2017. 

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September 07, 2016 EVENTReservation of Rights Letters for Casualty Claims: Effective Letters and Strategies

PLRB Central Regional Adjusters Conference

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December 05, 2019 NEWSButler Sponsors DRI Insurance Coverage and Practice Symposium

Butler is proud to be a sponsor for the Defense and Research Institute (DRI) Insurance Coverage and Practice Symposium...

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March 08, 2019 NEWSInternational Women's Day - 2019

In celebration of International Women's Day, we've gathered several of our female attorneys to discuss various important female figures in US history.

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March 08, 2018 NEWSInternational Women's Day

"Leadership is about making others better as a result of your presence and making sure that impact lasts in your absence."

-Sheryl Sanberg

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