Elizabeth J. Roff

Elizabeth J. Roff


Elizabeth Roff has a proven track record of effectively and passionately representing clients in civil litigation matters in Minnesota and Wisconsin. She provides thought-out practical advice to her clients and is not afraid to make a plaintiff prove a case to a jury when necessary.

Liz currently serves as national counsel for a major employment broker, defending EEOC claims across the country. Her active employment practice focuses on the defense of all forms of discrimination, harassment, and whistle blower claims –  including actions based on gender, race, age, color, sexual orientation, disability, and other protected classes. She works closely with her clients to ensure that HR policies and procedures comply with current laws to minimize potential liability.

With more than 10 years of courtroom experience, Liz has taken the lead on 400+ civil matters involving a wide range of commercial losses. Her career highlights include numerous successful trial verdicts, settlement awards and procedural dismissals.

In the insurance arena, she provides clients with straightforward coverage opinions and representation in disputes arising under commercial policies.

Widely considered an expert on commercial general liability policies, she co-authored “Minnesota Commercial General Liability Insurance Policy: Annotated,” cited as authority by the Minnesota Court of Appeals in Grinnell Mutual Insurance Co. v. Ripley, No. A09-179 (Minn. Ct. App., Dec. 29, 2009). 

She is also the primary author of the Post Loss Duties of an Insured chapter of the Minnesota Continuing Legal Education Deskbook.

In her spare time, Liz enjoys time with her family and gives back to the community by mentoring law  students and providing pro bono services through the Volunteer Lawyers Network.

Notable Representations

  • Obtained dismissal of declaratory judgment suit against global contractor on summary judgment motion.
  • Windcliff Ass’n, Inc. v. Breyfogle, A21-0700 (Minn. Ct. App. Jan. 18, 2022), review granted (Apr. 19, 2022).
  • Cusick v. Mozey’s Concrete & Masonry Inc., A19-1293 (Minn. Ct. App. May 11, 2020).
  • Nor-Son, Inc. v. W. Nat. Mut. Ins. Co., A11-2016 (Minn. Ct. App. May 14, 2012).
  • Multiple successful jury verdicts in Minnesota and Wisconsin.
  • Favorable decisions in bench trials involving insurance coverage determinations.
  • Voluntary dismissal of a roofing contractor in a significant construction site personal injury lawsuit involving awning cave-in.
  • Obtained successful settlement for HVAC contractor in condominium defect case where the majority of experts concluded that defective HVAC design and installation caused the damage.
  • Hennepin County District Court adopted the general contractor’s rights of indemnification in a major construction defect case.
  • Received favorable allocation of responsibility for settlement proceeds of a product liability loss caused by negligent safety mechanisms of an amusement park ride.
  • In an underinsured motorist claim by a plaintiff in her twenties that required emergency lumbar surgery for a nerve injury while pregnant and whose doctors have rendered her disabled from gainful employment, received a defense verdict finding that the lumbar injury was not caused by the rear end motor vehicle accident. The court of appeals ultimately held that the underinsured motorist insurance carrier was the prevailing party and the plaintiff had to reimburse the insurer over $20,000.00 in costs and disbursements. Hamilton v. Progressive Direct Ins. Co., A18-0585 (Minn. Ct. App. Jan. 7, 2019).
  • Obtained dismissal of New York gender discrimination causes of action for an international company, thereby eliminating joint and several liability for individual executives who allegedly harassed and discriminated against the employee.
  • Obtained summary judgment dismissing a homeowners’ association claim for breach of covenant for a property owners’ construction.

Awards & Recognitions

  • Minnesota Rising Star ® – 2020 – 2022


  • Minnesota State Bar Association, Construction Law Section
  • Minnesota Defense Lawyers Association, Co-Chair, Construction Law Committee; Co-Chair, Motor Vehicle Accident Committee, 2019 – 2021 term
  • Minnesota Women Lawyers, Law Student Mentor, 2018 – present
  • Associated General Contractors of America (AGC)
  • Volunteer Lawyers Network

Articles & Presentations

  • Common Mistakes in Responding to EEOC Complaints – NAWIC, March 10, 2022
  • Construction Redefined – Demolition Work Now Potentially Subject to the Improvement to Property Statute of Limitations – Minnesota Defense Magazine, Fall 2021 
  • Identifying and Handling Workplace Sexual Harassment – NAWIC, March 11, 2021
  • What to Think? Investigating and Defending a Mild Traumatic Brain Injury – Minnesota Defense Magazine, Spring 2021 
  • Contribution Claims Against the Employer in Work-Related Personal Injury Claims – TCCA Monthly Meeting, October, 2019
  • To Pay or Not to Pay? Evaluating a Self-Employed, Underemployed, or Unemployed Plaintiff’s Wage Loss Claim – MDLA, March 7, 2019
  • Who Pays? A Pragmatic Approach to Awarding Costs and Disbursements Post-Trial
  • Minnesota Court of Appeals Restricts Reach of Minn. Stat. § 62Q.75 in No-Fault Claims2019
  • Minnesota Insurance Law Deskbook: Post Loss Duties of an Insured – 2011 to present
  • Minnesota Motor Vehicle Accident Deskbook: Chapter 18 Settlement Documents & Releases – 2008 to present
  • Minnesota Commercial General Liability Policy: Annotated – 2008
  • A Slightly Editorialized Review: 2008 Minnesota Automobile Coverage Cases – 2008
  • Construction Defect Deskbook: Additional Insured Issues and Practice – 2007


  • Minnesota State Bar
  • State Bar of Wisconsin
  • State Bar of California
  • U.S. District Court, District of Minnesota


  • Construction
  • Product Liability
  • Commercial Litigation
  • Insurance Coverage
  • Employment


  • University of Minnesota, B.A. Economics
  • William Mitchell College of Law, J.D. Magna Cum Laude