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On the morning of Sept. 11, 2001, Stephen Cozen huddled with expert witnesses in a seventh-floor conference room of his Center City law firm preparing for what promised to be a bare-knuckle trial over a string of soured movie deals.
Hundreds of millions of dollars were at stake in a dispute over proceeds from Hollywood films including The Truman Show, Runaway Bride, and The General's Daughter. But Cozen's attention was soon diverted by a call from his wife, Sandy.
The World Trade Center had been attacked. Cozen and his associates switched on a TV and with astonishment watched the towers burning and then collapsing.
Like Americans everywhere, Cozen, 67, a hyperactive trial lawyer and onetime college basketball player, was torn between anger at the perpetrators and compassion for the victims.
But there was little time for reflection.
Within hours, Cozen O'Connor was swamped with calls from the insurance companies it represents in handling claims from high-rise office fires, hurricanes and ice storms.
Now the clients were possibly on the hook for far more money than ever before, billions of dollars in property losses at ground zero, business disruptions, and workers' compensation claims.
"They were saying not only are we going to have to pay out billions . . . but they wanted to know whether there was anyone they could recover from," Cozen recalled in an interview. "We tried to get as many facts as we could."
From that flurry of phone calls in the hours and days after the attacks would emerge an ambitious lawsuit: an 812-page complaint that would seek to hold America's closest ally in the Arab world financially liable for the 9/11 attacks.
Just as surely, it would commit Cozen O'Connor to the biggest battle in the firm's history.
It was a sleepy corner of the legal world where a lawyer could earn a good - but not spectacular - income.
Yet it gave Cozen the chance to practice law right away, rather than serve as a glorified apprentice at a larger, more illustrious firm.
In the 1970s and early 1980s, after Cozen's uncle had died and Cozen had taken over, the firm handled a series of cases that would set it on a path of explosive growth and lay the groundwork for its lawsuit against Saudi Arabia.
It represented insurers in coverage disputes over arson fires, many of them mob-related, at diners and restaurants throughout the Philadelphia region. At the time, such cases often settled quietly, but Cozen took a different tack.
The firm would deconstruct the diner's books looking for signs of a financial motive. It would bring in arson experts and forensic accountants. It would grill mobster owners.
In one case, the firm deposed a senior member of the Gambino crime family suspected of torching his Cherry Hill restaurant. Much to the delight of Cozen's insurance-industry client, the case was settled on the courthouse steps for a fraction of the $1 million claim.
The firm's chief innovation was to bring in experienced trial lawyers who had worked as local or federal prosecutors and have them pursue cases with investigative zeal.
The strategy was to challenge every suspicious insurance claim all the way to trial. Cozen lawyers did this even when prosecutors declined to file charges or investigate a case.
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