Law Offices of Herold and Sager, Attorneys at Law
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Law Offices of Herold and Sager, Attorneys at Law


Each of our partners has extensive experience representing clients in both an advisory and litigated capacity. What sets us apart is our diligence, attention to detail, and the wealth of experience from a diverse array of complex practice areas which we use cooperatively to enhance the practice of the firm.


A founding partner of the firm, Andy Herold is a seasoned civil litigator whose practice focuses on complex litigation with an emphasis in insurance coverage and construction related matters. He is a member in good standing of the California, Nevada, and Arizona bars, and regularly handles matters throughout the country.

He has successfully handled high exposure claims in the areas of construction, insurance, employment, and business disputes, including through trial and appeal. His published cases include one wherein he represented a large general contractor and the target defendant in a $27M business dispute and construction defect claim, obtaining a defense verdict upheld on appeal and published at Mayer v. C.W. Driver (2002) 98 Cal.App.4th 48. He also was lead counsel and argued before the Ninth Circuit in Travelers Indem. Co. v. Insurance Co. of N. Am., 213 F.3d 643 (9th Cir. Cal. 2000) wherein his client was successful in enforcing its policy language in a dispute with a co-insurer. He is a frequent speaker on underwriting and insurance coverage matters, and regularly is retained to provide training to claims personnel on emerging issues.

Andy spends his time outside of work with his wife and two daughters, and being active in the community. He is involved with local youth sports programs and has held various leadership positions with youth programs through the local YMCA. A lifelong Southern California native, Andy is an avid surfer and enjoys all types of outdoor recreation.

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Linda Sager is a founding partner of the firm whose practice is focused on litigation and advisory representation in complex matters involving third party property and casualty insurance coverage as well as first party coverage. Her emphasis is on providing effective, practical and targeted advice in complex, high-exposure matters. Ms. Sager’s practice includes defense of bad faith claims, prosecution and defense of declaratory relief actions with insureds, and co-carrier contribution actions in matters involving construction, premises liability, bodily injury and personal and advertising injury. She also provides training and advice to claims and underwriting personnel.

Before forming Herold & Sager, Linda represented insurers and businesses of all sizes in complex business transactions and litigation. She has a wide range of experience in the management and/or litigation of matters involving insurance coverage, business, employment, personal injury, intellectual property, and construction. Her experience also includes representation of the insurer for an aerospace contractor in a multimillion dollar suit that resulted in the overturn on appeal of the then-largest jury verdict ever rendered in San Diego.

Beyond work, Ms. Sager enjoys time outdoors, photography, art, cooking and spending time with her husband and two sons.

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Mr. Salerno is a partner in the firm and is an experienced civil and commercial litigator with substantial experience representing insurers, manufacturers, developers, general contractors, subcontractors, and design professionals in commercial and construction related litigation including insurance coverage, construction defect, product defect, mechanics liens, personal injury, and toxic mold.

Prior to joining Herold & Sager, Mr. Salerno worked at an insurance defense firm for 20 years where he served as a managing partner representing commercial clients and insureds through trial.

In his personal time, Mr. Salerno enjoys spending time with his family, hiking, camping and surfing.

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A formidable litigator, Joshua Zlotlow is a partner with the firm whose practice is focused on resolving insurance coverage disputes and defense of bad faith claims. In addition to litigating numerous coverage matters, including the bench trial of a bad faith case in which the insured sought coverage for a consumer fraud class action, Mr. Zlotlow’s experience also includes litigation and arbitration of a variety of matters, including cases involving allegations of wrongful termination of the chief financial officer of a publicly-traded corporation; a former chief executive officer’s assertions that stock options were improperly withheld; and delay claims by a subcontractor against a multinational corporation arising from multiple government construction projects.

Prior to joining Herold & Sager, Mr. Zlotlow gained extensive litigation experience, including acting as lead counsel in an extended jury trial and arguing multiple cases before the Ninth Circuit Court of Appeals. Mr. Zlotlow gained his introduction into the world of insurance coverage while serving as judicial law clerk, working on cases involving such issues as coverage for environmental remediation and aircraft products liability coverage for suits under the federal False Claims Act.

An avid cyclist for more than two decades, Mr. Zlotlow has also participated in the Race Across America and countless other criteriums, time trials and road races. In addition, Mr. Zlotlow enjoys reading about world affairs and United States History, with a particular interest in the period following World War II.

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Brandon Howerton is a partner at the firm and his practice focuses exclusively on advising insurers regarding third party coverage in the context of complex claims, representing insurers in the resolution of coverage disputes, and representing insurers in the defense of coverage litigation involving primary, excess and OCIP policies. Mr. Howerton has extensive experience in coverage issues relating to third party property damage, products liability, personal injury, additional insured, and named insured claims in jurisdictions throughout the western United States and Canada. Mr. Howerton also represent insurers in the defense of bad faith claims.

Prior to joining Herold & Sager, Mr. Howerton represented various clients in employment, personal injury, and construction defect litigation.

In his personal time, Brandon enjoys a variety of outdoor activities, playing music, and training for a second career as a ranch hand.

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Emily G. Cottrell is a partner with the firm and specializes in the representation of insurance clients, with a primary focus on resolving insurance coverage and bad faith disputes and insurance coverage analysis. Her experience includes advising clients regarding underwriting, claims handling and insurance coverage under OCIP/CCIPs, developments and trends in nationwide insurance law, and analysis of claims involving commercial general liability, directors and officers liability, automobile and workers compensation policies.

Ms. Cottrell has been a contributing writer for San Diego Lawyer Magazine. Her July 2010 article “Keeping the Courts Going” on the crisis with the California court system for San Diego Lawyer won a San Diego Press Club first place award in the political/government category, and her legal articles have been published in the San Diego International Law Journal and the Journal of Contemporary Legal Issues. Ms. Cottrell has also written for San Diego CityBeat, Elle Magazine and the Badger Herald. Her first interview, for an historical publication titled “Shorewood Now and Then,” was of former United States Supreme Court Chief Justice William H. Rehnquist, who like Ms. Cottrell attended elementary school near the bluffs of Lake Michigan in Wisconsin.

Ms. Cottrell enjoys spending time at the beach, hiking, reading, and traveling with her family.

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