.

Ryan is a longstanding member of the firm's Casualty Department and has considerable experience with a wide variety of casualty matters.  A substantial portion of Ryan’s practice is devoted to the handling of matters with complex theories of liability, often involving catastrophic loss and/or wrongful death.  They include claims emanating from product liability, construction and equipment accidents, automotive liability, interstate trucking and transportation, negligent security, premises and retail liability, among many others.  As an example of this complexity, Ryan has litigated several matters where causation for death was at issue such as alleged complications from surgeries and alleged food borne illnesses (e. coli, vibrio), and has handled numerous multi-party claims involving demands in excess of $50 million.

As a litigator with experience in a multitude of casualty disciplines from the general to the specialized, including asbestos and toxic tort, maritime and fraud/special investigation, Ryan serves as thought leader and mentor to associates in his office. He has also argued appeals before the Second, Third, and Fourth District Courts of Appeal.

Ryan's legal career started as a prosecutor with Miami-Dade State Attorney's Office, which provided him with considerable litigation experience and familiarity with the criminal justice system. This was a continuation of his focus on litigation during his legal education at Indiana University School of Law - Bloomington where he was in Moot Court (finalist and competition team) and the school's trial competition team.  In combination with his civil career at Marshall Dennehey, Ryan has tried approximately 20 jury trials to verdict, including several complex multi-party and Wrongful Death matters spanning weeks in court.

Ryan is a Florida native, born and raised in Cocoa Beach in Brevard County and attending the University of Florida as an undergraduate where he studied theoretical physics and mathematics before leaving Florida for law school with his wife.  He now is based out of Fort Lauderdale where he and his wife are raising two daughters, and in his spare time trains for obstacle course racing and triathlons.

    • Indiana University Maurer School of Law (J.D., cum laude, 2006)
    • University of Florida (B.S., 2003)
    • Florida, 2006
    • U.S. District Court Southern District of Florida, 2008
    • U.S. District Court Middle District of Florida, 2019
    • Florida Super Lawyers Rising Star (2013-2020)
    • American Bar Association
    • Negligent Security Claims - Premises Under Attack, Marshall Dennehey Client Seminar, July 25, 2025
    • Relevant Procedural Rule Changes for Risk Manager, Broward County RIMS Chapter Meeting, Ft. Lauderdale, FL, January 15, 2025
    • New Florida Tort Reform Changes Under HB 837, Tampa Bay RIMS Chapter Meeting, Tampa, FL, October 18, 2023
    • 56 Feds are Coming: Strategies Using the Upcoming Florida Summary Judgment Standard, Marshall Dennehey Client Webinar, January 15, 2021
    • When Lithium Batteries Fail and What to do About it – panel, 2019 CLM Southeast Conference, Orlando, FL, October, 2019
    • ETHICS: The Tripartite Relationship and Bad Faith Claims, Marshall Dennehey Florida Claims Symposium – Casino Royale, Tampa, FL, September 20, 2018
    • Discussions of Recent Florida Case law Developments Regarding EUO Methodology and Limitations, FIFEC - Florida Insurance Fraud Education Committee, Orlando, FL, June 2012
    • Florida Premises Liability Law and the Affect of Medicare Liens on Settlements, client seminar, October 2011
    • Certified Instructor in Adjuster Law and Policy by the Florida Department of Financial Services, Bureau of Licensing
    • Obtained summary judgment in a foodborne-illness wrongful death case. The plaintiff brought a wrongful death action against multiple parties, including the seafood supplier, asserting that the Decedent died after consuming raw oysters containing vibrio vulnificus. Our attorneys represented the supplier and argued that there was no evidence the oysters were defective when they left the supplier’s control. Their expert provided an affidavit outlining the applicable harvesting, processing, and transportation standards and confirmed that the supplier met all relevant duties. Faced with this record, plaintiff’s counsel ultimately conceded that the evidence did not support a claim against the supplier. The Court granted summary judgment in the supplier’s favor. The case continues against the remaining defendants, who face multimillion-dollar demands.
    • Obtained a defense verdict in a wrongful death/negligent security claim, where demand was $10 million, by arguing that the claimant was a trespasser at the time of the shooting. 
    • Obtained defense verdicts in several premises liability trials on the basis that clients were not negligent.
    • Obtained summary judgments in several negligence cases on issues ranging from workers' compensation immunity to insufficient evidence of negligence. 

Results

Summary Judgment Secured in a Foodborne Illness Wrongful Death Matter

We won summary judgment in a foodborne illness wrongful death case. The plaintiff filed a wrongful death action against multiple parties, including the seafood supplier, distributors, transporters and the restaurant that served the decedent. The plaintiff alleged the decedent died as a result of eating raw oysters that contained vibrio vulnificus. We represented the supplier and argued there was no evidence the oysters were defective when they left the supplier’s hands. An expert was retained to support our motion for summary judgment. The expert prepared an affidavit citing the applicable duties pertaining to the harvesting, processing, and transportation of the oysters and stated the supplier did not breach any of the applicable duties. Utilizing calculated pressure tactics in a long-term strategy execution, plaintiff’s counsel eventually conceded that the record evidence did not support a finding that the supplier breached its duties, resulting in the court granting summary judgment. The case remains ongoing with multimillion dollar demands against the remaining defendants.

Appellate Success in Wrongful Death Product Liability Action

Our attorneys succeeded in obtaining an affirmance in the Fifth District Court of Appeal of a final dismissal order of a wrongful death product liability action. The decedent’s estate filed the lawsuit two years after the statute of limitations expired. The estate argued the statute was tolled for a variety of reasons. The trial court dismissed the case, with prejudice, after giving the Estate five attempts to amend. The Fifth District affirmed the dismissal and dispensed with oral argument that same day. 

Thought Leadership

Legal Updates for Insurance Services

Policies Alone Fall Short: Establishing a Standard of Care and Duty Requires More Than Internal Procedures

December 13, 2023

A recent decision by the Florida Fifth Circuit Court of Appeal confirmed the application of rarely considered case law that analyzes the application of a company’s internal policies and procedures to the standard of care in its industry. In Discount Tire Co. v. Tammy Bradford, 2023 WL 7228186 (Fla. 5th DCA 2023), the appellee alleged negligence by the employees of the appellant for allowing tires greater than 10 years old to be placed back on a vehicle. Ultimately, the tires failed and caused the death of Bradford’s husband and minor child. At the trial court, both sides presented experts, but neither opined to a violated industry standard, authoritative regulation or statute that would have applied to the tire repair industry. Instead, Bradford argued that Discount violated its own policies and procedures, as the subject tires, provided by Bradford, were older than the internal policies and procedures permitted. After Bradford rested at trial, Discount successfully moved for directed verdict based upon Bradford’s failure to establish a duty. After appropriate motions, the trial court reversed itself and granted a new trial based on “this Court's reading of Moyer v. Reynolds, 780 So. 2d 205, 208 (Fla. 5th DCA 2001) and its acceptance of [Bradford’s] argument that Moyer stands for the proposition that evidence a defendant failed to comply with its own internal rule or procedure is evidence of the standard of care and evidence of a breach of the standard of care.” The critical factor as determined by the appellate court was the trial court’s improper reliance on Moyer v. Reynolds, 780 So.2d 205 (Fla. 5th DCA 2001). Bradford argued at trial that Moyer held an organization’s internal policies establish a legal duty owed to a plaintiff. Moreover, a breach of internal policy establishes a case that must be determined by the jury. However the Fifth District Court of Appeal disagreed and held that established case law supported the position that an organization's policy could not alone establish a standard of care for the applicable industry. Moyer, a wrongful death action based on medical malpractice, concerned the trial court's exclusion of portions of a doctor's testimony regarding internal policy procedures of a hospital. 780 So. 2d at 206. Critically, Moyer stated that although this testimony was admissible as some evidence of the standard of care, “this type of evidence does not conclusively establish the standard of care.” Id. In support of this holding, the Fifth District Court of Appeal cited multiple industry diverse cases: •Wal Mart Stores, Inc. v. Wittke, 202 So. 3d 929, 930 (Fla. 2d DCA 2016) “[A] party’s internal rule does not itself fix the legal standard of care in a negligence action”;  •Dominguez v. Publix Super Markets, Inc., 187 So. 3d 892 (Fla. 3d DCA 2016) “[I]nternal safety polices do no themselves establish the standard of care owed to the plaintiff.”;  •Gunlock v. Gill Hotels Co., 622 So. 2d 163 (Fla. 4th DCA 1993), where the court held that the existence of an internal policy does not create a substantive duty;  •De La Torre v. Flanigan's Enterprises, Inc., 187 So. 3d 330, 334 (Fla. 4th DCA 2016) holding “there is ample case law stating that internal policies do not create a duty to third parties.”; and   •Warren ex rel. Brassell v. K-Mart Corp., 765 So. 2d 235, 236–37 (Fla. 1st DCA 2000) where the court held that despite the violation of K-Mart’s internal policy, “[t]he standard of care is set by the community, rather than by a corporation’s internal policy.”  Discount Tire violated its own policies and procedures. However, that violation does not establish a standard of care for the industry. Therefore the order of a new trial was improper and the trial court’s prior order for directed verdict and final judgment in Discount Tire’s favor was properly reinstated.   

Defense Digest

Policies Alone Fall Short: Establishing a Standard of Care and Duty Requires More Than Internal Procedures

December 1, 2023

Key Points: A defendant’s violation of its own policies and procedures does not establish a standard of care for the industry.  The order of a new trial was improper and the trial court’s prior order for directed verdict and final judgment in the defendant’s favor was properly reinstated.  A recent decision by the Florida Fifth Circuit Court of Appeal confirmed the application of rarely considered case law that analyzes the application of a company’s internal policies and procedures to the standard of care in its industry. In Discount Tire Co. v. Tammy Bradford, 2023 WL 7228186 (Fla. 5th DCA 2023), the appellee alleged negligence by the employees of the appellant for allowing tires greater than 10 years old to be placed back on a vehicle. Ultimately, the tires failed and caused the death of Bradford’s husband and minor child. At the trial court, both sides presented experts, but neither opined to a violated industry standard, authoritative regulation, or statute that would have applied to the tire repair industry. Instead, Bradford argued that Discount Tire violated its own policies and procedures as the subject tires, provided by Bradford, were older than the internal policies and procedures permitted. After Bradford rested at trial, Discount Tire successfully moved for directed verdict based upon Bradford’s failure to establish a duty. After appropriate motions, the trial court reversed itself and granted a new trial based on “this Court's reading of Moyer v. Reynolds, 780 So.2d 205, 208 (Fla. 5th DCA 2001) and its acceptance of [Bradford’s] argument that Moyer stands for the proposition that evidence a defendant failed to comply with its own internal rule or procedure is evidence of the standard of care and evidence of a breach of the standard of care.” The critical factor as determined by the appellate court was the trial court’s improper reliance on Moyer v. Reynolds, 780 So.2d 205 (Fla. 5th DCA 2001). Bradford argued at trial that Moyer held an organization’s internal policies establish a legal duty owed to a plaintiff. Moreover, a breach of internal policy establishes a case that must be determined by the jury. However, the Fifth District Court of Appeal disagreed and held that established case law supports the position that an organization's policy could not alone establish a standard of care for the applicable industry. Moyer, a wrongful death action based on medical malpractice, concerned the trial court's exclusion of portions of a doctor's testimony regarding internal policy procedures of a hospital. 780 So.2d at 206. Critically, Moyer stated that, although this testimony was admissible as some evidence of the standard of care, “this type of evidence does not conclusively establish the standard of care.” Id. In support of this holding, the Fifth District Court of Appeal cited multiple industry diverse cases: Wal Mart Stores, Inc. v. Wittke, 202 So. 3d 929, 930 (Fla. 2d DCA 2016) “[A] party’s internal rule does not itself fix the legal standard of care in a negligence action”;  Dominguez v. Publix Super Markets, Inc., 187 So. 3d 892 (Fla. 3d DCA 2016) “[I]nternal safety polices do no themselves establish the standard of care owed to the plaintiff.”;  Gunlock v. Gill Hotels Co., 622 So. 2d 163 (Fla. 4th DCA 1993), where the court held that the existence of an internal policy does not create a substantive duty;  De La Torre v. Flanigan's Enterprises, Inc., 187 So. 3d 330, 334 (Fla. 4th DCA 2016) holding “there is ample case law stating that internal policies do not create a duty to third parties.”; and  Warren ex rel. Brassell v. K-Mart Corp., 765 So. 2d 235, 236–37 (Fla. 1st DCA 2000) where the court held that despite the violation of K-Mart’s internal policy, “[t]he standard of care is set by the community, rather than by a corporation’s internal policy.”  Discount Tire violated its own policies and procedures. However, that violation does not establish a standard of care for the industry. Therefore, the order of a new trial was improper and the trial court’s prior order for directed verdict and final judgment in Discount Tire’s favor was properly reinstated.  *Ryan is a shareholder in our Fort Lauderdale, Florida, office, where he defends claims made and suits brought against insureds and businesses across a number of industries.    Defense Digest, Vol. 29, No. 4, December 2023, is prepared by Marshall Dennehey to provide information on recent legal developments of interest to our readers. This publication is not intended to provide legal advice for a specific situation or to create an attorney-client relationship. ATTORNEY ADVERTISING pursuant to New York RPC 7.1. © 2023 Marshall Dennehey. All Rights Reserved. This article may not be reprinted without the express written permission of our firm. For reprints, contact tamontemuro@mdwcg.com.

Firm Highlights

Result

No-Cause Jury Verdict Secured in Wrongful Death Trial

We successfully obtained a no-cause jury verdict in a 13-day wrongful death trial. The decedent, a 59-year-old man, was admitted to the emergency room on February 15, 2019, with complaints of abdominal pain, decreased appetite, and constipation, despite the use of laxatives. The patient did not complain of any nausea, vomiting, or diarrhea. He had a significant medical history including diabetes, hypertension, prior coronary artery stenting, morbid obesity (with past gastric bypass surgery), longstanding ventral hernia, and back pain. A CT scan revealed multiple hernias and a potential closed-loop bowel obstruction, leading to a surgery consultation. Our client, an emergency general surgeon, interpreted that the patient did not have a closed loop or any significant obstruction and recommended non-surgical management. The patient was approved to have clear liquids, and had a vomiting incident shortly after, but our client was not notified. The patient was returned to NPO status, and after improving overnight, he was returned to “clears” and additional medical and renal consults were ordered. Our client did not receive any communications from the residents/nurses of any changes in the patient’s condition. On February 18, 2019, two rapid responses were called due to increased heart rate and vomiting. It is believed that the vomiting resulted in aspiration, causing sepsis, ultimately leading to the patient’s death. During the trial, the plaintiff’s sole medical expert highlighted imaging on the wrong hernia, which called into question all of his opinions in the case. We made key objections related to the expert testimony, limiting what the allegations were, and preventing new allegations from being made. After approximately two and a half hours of deliberating, the jury returned a no-cause verdict. 

Thought Leadership

The Enforceability of Online Arbitration Agreements Remains Unresolved in Pennsylvania, But the Pennsylvania Superior Court has Provided Substantive Guidance on the Issue

Key Points: The Pennsylvania Supreme Court confirms that an order compelling arbitration is not immediately appealable as collateral orders. The outcome of Chilutti II has generally left the substantive enforceability issues with browsewrap agreements unresolved in Pennsylvania. Until this issue is resolved by the Pennsylvania courts, companies operating in the Commonwealth should strive to ensure that their registration websites and/or application screens conspicuously present arbitration agreements in manners which ensure their users and consumers assent to the terms of the agreements by following the standards set forth in Chilutti I. Browsewrap agreements have been defined as agreements “‘in which a website offers terms that are disclosed only through a hyperlink and the user supposedly manifests assent to those terms simply by continuing to use the website,’ and typically do not require an electronic signature.” See, Cobb v. Tesla, Inc., 2026 WL 458470, at *1 n. 2 (Pa. Super. Feb. 18, 2026) (citation omitted). They are largely regarded as the “if you keep using this, you agree to everything buried in this link” terms embedded into almost every online agreement consumers and users sign before proceeding with purchases of goods and/or services. While consumers are generally aware of them, many almost never click on the link, nor read them in their entirety. This leaves many consumers and users ignorant of the terms and impact of such agreements. However, one’s ignorance of the otherwise neatly-tucked-away terms rarely renders them unenforceable. The issue of the enforceability of browsewrap agreements has been up for debate for some time in many jurisdictions, including Pennsylvania. Indeed, Pennsylvania had a brief grip on this issue for a period in time. Specifically, in 2023, an en banc Superior Court set forth heightened standards for companies to meet in order to secure assent and enforce browsewrap arbitration agreements. See Chilutti v. Uber Techs., Inc., 300 A.3d 430 (Pa.Super. 2023) (en banc) (“Chilutti I”) Chilutti I involved a husband and wife who sued Uber and its subsidiaries after the wife, a wheelchair bound passenger using Uber’s rideshare service, fell, struck her head, and lost consciousness due to her uber driver failing to provide a seatbelt and making an aggressive turn during the trip. The Chilutti’s filed a negligence lawsuit against Uber and its subsidiaries. In response, the defendants moved to compel arbitration, arguing that “the couple’s conduct on the company’s website and application — when they registered for the ridesharing service — signified that they agreed to be bound by the mandatory arbitration provision found in the hyperlinked terms and conditions.” The trial court granted the defendants’ petition and stayed the proceedings pending the results of arbitration, and the Chilutti’s appealed. On appeal, the Superior Court addressed two issues. First, it addressed the issue of whether it had jurisdiction to hear the appeal. A divided Superior Court determined that it did, with its basis for the holding being that the order from which the Chilutti’s appealed was a collateral order. Next, the Superior Court set out to address the merits of the Chilutti’s substantive claim. The Superior Court concluded that the parties lacked a valid agreement to arbitrate. Its rationale was that Uber’s website and application did not provide reasonably conspicuous notice of the terms to the Chiluttis. In reaching this decision, the en banc Superior Court held that browsewrap arbitration agreements are enforceable in Pennsylvania only if the registration website and application screens explicitly inform consumers that they are waiving the right to a jury trial, the registration process cannot be completed until the consumer is fully informed of this waiver, and, when the agreement is available via hyperlink, the waiver appears at the top of the first page of the terms in bold, capitalized text. Since the ruling, Pennsylvania courts have applied Chilutti I to determine if browsewrap agreements are enforceable.  For instance, the Allegheny County Court of Common Pleas invoked Chilutti I to reject an agreement that lacked an express jury-trial waiver on the assent screen.  See Miller v. Festival Fun Parks, LLC, 92 WDA 2025 (C.P. Alleg. Cnty. Mar. 24, 2025). Similarly, the Superior Court has held that notice which failed to explicitly state the consumer was waiving a jury-trial right did not “me[e]t the strict burden set forth by our en banc Court in Chilutti I.” Pierce v. FloatMe Corp., 348 A.3d 1077, 1088 (Pa. Super. 2025). While the issue of enforceability of browsewrap agreements appeared to have been resolved by Chilutti I, Pennsylvania courts’ grip on this issue has been slackened by the Pennsylvania Supreme Court’s January 21, 2026, opinion in Chilutti II. See Chilutti v. Uber Techs., Inc., 349 A.3d 826 (Pa. 2026) (“Chilutti II”). Therein, the Supreme Court did not address the merits of the Chiluttis’ substantive claim, but rather the issue of whether the Superior Court had appellate jurisdiction to immediately review the orders staying litigation pending arbitration. The Court ultimately vacated the en banc opinion on jurisdictional grounds, holding that the Superior Court did not have appellate jurisdiction because the trial court’s order from which the Chiluttis appealed did not qualify as a collateral order and, thus, the Superior Court erred in holding to the contrary and lacked jurisdiction to entertain the merits” of the Chiluttis’ substantive claim. As such, Chilutti II has rendered Chilutti I nonbinding, and the issue of enforceability of online arbitration agreements remains unresolved. However, in light of the fact the Supreme Court did not address or comment on the merits of the Chiluttis’ appeal, Chilutti I is still meaningful. Specifically, it provides guidance as to the standards a company should strive to meet to ensure they have obtained users’ assent so that they are able to enforce online arbitration agreements. Additionally, it may serve as persuasive authority in judges’ evaluations of petitions and/or motions to compel browsewrap arbitration agreements until this particular issue is properly put before our appellate courts. Keanna works in our Pittsburgh, PA office. She can be reached at (412) 803-1174 or KASeabrooks@MDWCG.com.

Thought Leadership

Featured Conversations... Key Takeaways from A.M. Best’s Webinar on the Misuse Defense in Product Liability Claims, Featuring Michael Salvati

Michael Salvati, shareholder in our Philadelphia office, was a panelist for the April A.M. Best webinar, “The Misuse Defense: Strategic Approaches to Defending Product Liability Claims for Insurers.” During the program, Michael and his fellow panelists offered practical, jurisdiction‑specific guidance on how misuse and failure‑to‑warn theories intersect in modern product liability litigation. Michael emphasized the unique challenges these claims present—particularly in states like Pennsylvania, where evidentiary rules diverge sharply from those applied in many other jurisdictions. Failure to Warn as the “Flip Side” of Misuse Salvati explained that failure‑to‑warn allegations often arise as a direct counter to a misuse defense. As he noted, “If our misuse defense is that the plaintiff didn't use a product properly or safely, then the failure to warn claim is that we didn't tell them how to use it properly.” He emphasized that these claims can stem from either the absence of warnings or criticisms of existing warnings, such as insufficient specificity or lack of clarity about risks. Pennsylvania’s Unique Evidentiary Landscape One of Salvati’s most notable points was the stark difference in how Pennsylvania treats evidence of compliance with industry standards. He highlighted that Pennsylvania is “one of the only states…where that evidence is not admissible” in strict liability cases. Manufacturers cannot rely on compliance with ANSI, UL, ISO, or even federal safety standards to defend the product against a strict liability claim—because the focus is solely on the product itself, not the manufacturer’s conduct. Salvati acknowledged the challenge this creates for defense counsel and clients who expect such compliance to carry weight. Understanding the Three Defect Theories Salvati also walked through the three primary defect theories recognized in many jurisdictions: - Design defect – a flaw in the product’s intended design - Manufacturing defect – a deviation affecting a specific unit - Failure to warn – inadequate instructions or warnings He noted that warnings claims are increasingly significant and sometimes stand alone when design or manufacturing theories are weak. As he put it, plaintiffs often default to warnings claims because “the default position seems to be, ‘If I got hurt, there must be something wrong.’” Warranties and State‑by‑State Variations Salvati addressed how breach‑of‑warranty claims fit into the broader framework, explaining that implied warranties—such as merchantability—often overlap with strict liability in Pennsylvania. He emphasized the importance of understanding local nuances, as warranty law and admissibility rules vary widely across states. Looking Ahead: The Growing Importance of Warnings In his closing remarks, Salvati stressed that warnings should never be treated as an afterthought in product liability defense. He observed that warnings‑only claims are becoming more common and urged manufacturers and insurers to continually evaluate the clarity and completeness of their instructions and warnings. His takeaway: “We should always be talking about what are the instructions that come with our products…to bolster a misuse defense.” Listen to the complete webinar here: https://www3.ambest.com/conferences/events/eventregister.aspx?event_id=WEB1074.