Thomas R. Hrdlick



Thomas (“Tom”) Hrdlick is a partner and insurance and reinsurance attorney with Foley & Lardner LLP. Tom's practice is concentrated in the fields of corporate and regulatory insurance and reinsurance law, with a particular emphasis on transactional work within the insurance and reinsurance industries and reinsurance runoff management. He is a former co-chair of the firm's Insurance & Reinsurance Industry Team and former chair of the Insurance Industry Practice Group. Tom is also a member of the firm's Health Care Industry Team due to his experience working with health insurers.

Tom represents insurance and reinsurance companies and other industry players in a variety of transactions and corporate restructurings, including public and private company mergers, stock acquisitions, initial and secondary public offerings, private placements, shell transactions, for-profit conversions, demutualizations, mutual holding company (MHC) conversions, reinsurance wordings, reinsurance affiliations, loss portfolio transfers, redomestications and managing general agent (MGA) programs and related program business agreements. Tom also counsels such entities with respect to their regulatory affairs and filings related to such transactions, including their dealings with state insurance departments and matters involving federal agencies such as the SEC, FTC, Treasury and OFAC.

Tom also counsels insurers and reinsurers – both domestic and international – with respect to US state and federal regulatory issues impacting their business generally. For example, he counsels health insurers on regulatory issues arising under the Affordable Care Act. He counsels domestic and international insurers on surplus lines regulations in the US, state market conduct examinations and related issues, policy wordings and filings, statutory accounting issues, federal and state antitrust issues, e-sign and other e-business issues and issues related to compliance with OFAC and other US trade restrictions. Tom also counsels international reinsurers on regulatory developments in the US market that may impact their US assumed business, including US credit-for-reinsurance and collateral requirements.

A significant component of Tom's practice also involves reinsurance transactions in the context of run-off books of business, including the management of complex reinsurance runoff issues and disputes. Tom has counseled cedents and reinsurers in connection with highly sophisticated reinsurance disputes and arbitrations, reinsurance commutations and reinsurance settlements/restructurings involving hundreds of millions of dollars of reinsurance receivables.

Prior to joining Foley, Tom was a senior law clerk to the Hon. Rudolph T. Randa, United States District Court Judge for the Eastern District of Wisconsin.

Firm Leadership

Tom served as co-chair of the firm’s Insurance & Reinsurance Industry Team, in which role he led and directed a team of roughly forty (40) Foley lawyers dedicated to providing sophisticated and cutting edge legal services to insurers and reinsurers, supporting all aspects of their operations.


  • Selected by his peers for inclusion in The Best Lawyers in America© in the field of Insurance Law (2015 - 2023)
  • Recognized by The Legal 500 for his work in the insurance and reinsurance industries (2011 - 2016)


  • Georgetown University Law Center (1988)
  • Marquette University (B.A., 1985)
    • Major: political science


  • Wisconsin
  • United States District Court
  • Eastern and Western Districts of Wisconsin

Professional Memberships and Affiliations

  • Member, American Bar Association (Business Law Section)
  • Past chairman, Wisconsin advisory board for the Arthritis Foundation, Upper Midwest Region
  • Past president and former member of the board of governors, St. Thomas More Lawyers Society in Wisconsin