Margaret A. Cernak

Margaret A. Cernak

Margaret A. Cernak


Margaret A. Cernak


Meg is an insurance coverage attorney with Collins Einhorn Farrell PC. She devotes a significant portion of her practice to preparing coverage opinions and proposed coverage position letters, counseling insurance carriers on complex insurance coverage disputes, and commencing and defending insurance coverage actions in both state and federal court. She has practiced in the areas of commercial, tort, and insurance coverage litigation with firms in southeastern Michigan. From 1993-2000, Meg worked directly with the claims department for a Midwest personal and commercial property and casualty insurance carrier, providing both coverage advice and support on litigated claims. In addition to working in private practice, she has served as a Legal Practice Professor at The University of Michigan Law School, preparing domestic and foreign law students for careers as effective counselors and advocates.

Practice Areas


  • University of Michigan Law School (J.D. cum laude, 1989)
  • University of Michigan (B.A. with high honors and distinction, 1986)
  • State Bar of Michigan
  • U.S. District Court, Eastern District of Michigan
Professional Activities
  • Oakland County Bar Association
  • State Bar of Michigan – Insurance and Indemnity Law Section
  • Defense Research Institute
Community Involvement

Meg serves as a Vincentian of the St. Gerald Conference of St. Vincent de Paul. Meg volunteers as a Judge for the Campbell Moot Court Competition at The University of Michigan Law School and is a Site Leader for the school’s Service Day.

Publications & Speaking Engagements

Is Morbid Obesity An Impairment Under The ADA?, Law360 (January 5, 2016)

Executive Orders Likely Won’t Lead to Civil Authority Coverage. Why? No physical damage.

The COVID-19 pandemic has raised a number of concerns and uncertainties for the insurance industry, and particularly business interruption insurance. We’re seeing unprecedented attempts to extend coverage and create new meaning for commonly-understood coverage language and provisions. From state lawmakers proposing legislation that would require insurers to cover business interruption, even if those losses were…

Collins Einhorn Farrell PC adds Three Attorneys to its Growing Firm

Collins Einhorn Farrell PC is pleased to announce that attorneys Brian A. Catrinar, Margaret A. Cernak, and Christopher R. Schaedig have joined the firm. Brian A. Catrinar is an attorney within the firm’s Insurance Coverage practice group. He has a strong record of success representing insurance companies in state and federal courts, on a wide…

Have questions or looking for further information? Contact one of our attorneys.