Stephen M. Cozart



Steve Cozart's practice is concentrated on complex civil litigation with a particular focus on large property losses, products liability claims and catastrophic personal injury claims.

While a favorable settlement is often a successful outcome, Steve understands that some cases have to be taken all the way through trial. As a veteran trial attorney, Steve has tried numerous cases in State and Federal Courts throughout the Southeastern United States. His clients have ranged from Fortune 500 Companies to small business owners and Steve has earned praise for his ability to help each of these clients relate to jurors in diverse venues.

Steve is a native of Santa Rosa County, Florida. After graduating from Jay High School, he received his undergraduate degree from the University of Alabama and his law degree from Mississippi College School of Law. Steve is licensed to practice in Florida, Alabama and Mississippi and he maintains an active practice in all three States. His has been awarded an “AV Preeminent” rating by Martindale-Hubbell, which represents the highest ethical and quality rating bestowed by his peers.

In addition to his active trial practice, Steve is a frequent lecturer. He has presented numerous seminars for claims professionals as well as continuing education classes for attorneys. He remains active in the community by serving as Chairman of the Santa Rosa County Emergency Services Advisory Committee (ESAC) and by acting as the Town Attorney for his hometown of Jay, Florida. In his free time, Steve enjoys sailing and spending as much time as possible in the outdoors.

Practice Areas


  • Mississippi College School of Law, Jackson, MS (J.D., 1995)
    Law Review, Comment Editor; Moot Court Board
  • University of Alabama, Tuscaloosa, AL (B.A., 1992)


  • State of Mississippi, 1995
  • State of Florida, 1998
  • State of Alabama, 2004
  • U.S. Court of Appeals, 11th Circuit
  • U.S. Court of Appeals, 5th Circuit
  • U.S. District Court, Northern District of Florida
  • U.S. District Court, Northern District of Alabama
  • U.S. District Court, Northern District of Mississippi
  • U.S. District Court, Southern District of Mississippi


  • Certified Continuing Education Instructor, State of Florida

Professional Associations and Memberships

  • Escambia-Santa Rosa Bar Association
  • Florida Bar Association
  • Mississippi Bar Association
  • Alabama Bar Association

Special Awards and Recognitions

  • “AV Preeminent” Rated by Martindale-Hubbell

Speaking Engagements / Presentations

  • "Alcohol, Cell Phones and the Law", Gulf Coast Claims Association of Insurance Professionals, 2016
  • "Florida 5-Hour Law and Ethics Update", FCCI, 2016
  • “The Verdict: Was it Arson or Was it an Accident”, Florida Insurance Fraud Education Committee (FIFEC), 2016
  • "First Party First Rate Defense", Rimkus, 2016
  • "Bad Faith: Top Ten Pitfalls to Avoid", Gulf Coast Association for Insurance Professionals, 2015
  • "Balcony Collapse: Understanding the Pitfalls & Limiting Exposure", Property & Liability Resource Bureau (PLBR), 2015
  • "Florida 5-Hour Law & Ethics Update", GEICO, 2015
  • "Ethics for the Claims Professional", Gulf Coast Association for Insurance Professionals, 2014
  • "Florida 5-Hour Law & Ethics Update", FCCI, 2014
  • "Case Law Update: Defending Percutaneous Discectomies", Sedgwick, 2014
  • "Proposals for Settlement, Utilization of Motions and Production on Documents", Gainsco Insurance, 2013
  • "Set Offs in Personal Injury Cases", GEICO Insurance, 2013
  • "Mediation Techniques", GEICO Insurance, 2013
  • "Construction Defects", Travelers, 2012
  • "A Case Study in Settlements and Releases", Auto Owners, 2012
  • "SIU Tips and Tactics", Rimkus Conference, 2012
  • "Ethics for the Claims Professional", Rimkus Conference, 2012
  • "PIP and BI", Mendota, 2011
  • "Medicare Super-Liens, Set Asides and Notice Provisions," Nationwide, 2011
  • "Litigating Insurance Coverage Claims: From Start to Finish", Pensacola, FL 2011
  • "Tactics for Handling Claims Involving MRSA", Sarasota, FL 2010
  • "Uninsured Motorist Benefits Coverage: A Survey of Florida Law," Orlando, FL 2010
  • "Ethical Considerations for Claims Adjusting in Florida (or – How to Keep your Job)," Lake Mary, FL 2009
  • "Florida Law Update", Birmingham, AL 2007
  • "Things you 'Auto' Know about Handling UM and BI Claims", Ft. Lauderdale & Orlando, FL 2005
  • "Basic Comparison of Legal Issues in Alabama and Mississippi", Tampa, FL 2005
  • "A Practical Refresher on Litigating the Mississippi Auto Injury Case", Jackson, MS 2004

Published Works:

  • Through the Eyes of the Debtor: Mississippi Reexamines the Breach of the Peace Exception to Uniform Commercial Code Section 9-503, 15 Miss. C.L. Rev. 145 (1994)
  • Overview
  • Practice Areas
  • Credentials
  • Presentations
  • Authorships



Miami Office

25 West Flagler Street, Penthouse
Miami, FL 33130

T: 305.374.1212 F: 305.374.7846

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Key West

Key West Office

402 Applerouth Lane, Suite 2C
Key West, FL 33040

T: 305.509.7300 F: 305.374.7846

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Ft. Lauderdale

Ft. Lauderdale Office

One East Broward Boulevard, Suite 1600
Fort Lauderdale, FL 33301

T: 954.768.0011 F: 954.768.0514

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West Palm Beach

West Palm Beach Office

515 North Flagler Drive, Suite 1800
West Palm Beach, FL 33401

T: 561.640.0303 F: 561.640.0524

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Indian River | Martin | Okeechobee | Palm Beach | Saint Lucie


Tampa Office

400 North Ashley Drive, Suite 1200
Tampa, FL 33602

T: 813.204.9776 F: 813.204.9660

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Hernando | Hillsborough | Manatee | Pasco | Pinellas | Polk | Sarasota

Orlando Office

201 South Orange Avenue, Suite 475
Orlando, FL 32801

T: 407.245.3630 F: 407.245.7685

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Brevard | Highlands | Orange | Osceola | Seminole

Ocala Office

101 Southwest 3rd Street
Ocala, FL 34471

T: 352.622.4222 F: 352.622.9122

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Alachua | Citrus | Dixie | Gilchrist | Lake | Levy | Marion | Putnam | Sumter | Volusia

Jacksonville Office

1200 Riverplace Boulevard, Suite 850
Jacksonville, FL 32207

T: 904.396.0062 F: 904.396.0380

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Baker | Bradford | Clay | Columbia | Duval | Flagler | Hamilton | Lafayette | Madison | Nassau | Saint Johns

Pensacola Office

125 West Romana Street, Suite 550
Pensacola, FL 32502

T: 850.434.0003 F: 850.434.0223

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Escambia | Holmes | Okaloosa | Santa Rosa | Walton


Tallahassee Office

1705 Metropolitan Boulevard, Suite 202
Tallahassee, FL 32308

T: 850.222.5188 F: 850.222.5108

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Bay | Calhoun | Franklin | Gadsden | Gulf | Jackson | Jefferson | Leon | Liberty | Wakulla | Washington

Ft. Myers

Ft. Myers Office

13350 Metro Parkway, Suite 401
Fort Myers, FL 33966

T: 239.334.8403 F: 239.939.0700

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Charlotte | Collier | DeSoto | Glades | Hardee | Hendry | Lee


Mobile Office

11 North Water Street, Suite 10290
Mobile, Alabama 36602

T: 251.308.3351 F: 251.308.3352

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Our Firm


In 1963, Gene Kubicki founded the firm based on dedication to excellence. The same high standards have been maintained for over five decades -- years which have seen the firm’s ranks swell to over 100 attorneys.


Our team knows return clients are the life blood of any law firm and this is why we ensure client satisfaction by an exacting attention to service and quality.  Client service coupled with a spectacular work ethic, makes our team hard to beat... Literally!

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In response to the growing needs of its clients, the firm began expanding in the early 1980's and today is a diverse full-service law firm providing trial, appellate, coverage, commercial and real estate transaction services.

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Kubicki Draper enjoys a national reputation for expertise in the handling of complex, high stakes litigation matters, as well as, appellate, general commercial and real estate practice.

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With a dozen offices throughout the State of Florida and other key points in the southern parts of Georgia, Alabama and Mississipi, our firm is familiar to every venue statewide and will never get home-teamed.

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