Zoë Bowden

Senior Associate - Litigation and Dispute Resolution

Zoë specialises in litigation and dispute resolution with a particular focus on complex commercial disputes and contentious insurance matters.

She provides strategic advice on contractual interpretation matters and assists her clients to resolve commercial disputes.  Zoë has acted for large corporates, shareholders, insurers, Lloyd’s syndicates, managing general agents, and insurance policyholders in relation to advisory matters and commercial disputes.

Zoë is experienced in advising on contractual interpretation matters, including in relation to coverage issues arising out of various lines of insurance including professional indemnity (PI), directors and officers (D&O) and material damage policies.

Zoë has defended claims brought against professionals, and she resolves material damage and contract works claims, including in relation to fire and natural disaster losses.  Her experience in the insurance sector led to Zoë being described by one client as “clearly a rapidly rising star in this field” – The Legal 500 United Kingdom 2020.

She provides cogent and strategic commercial advice and endeavours to work closely and collaboratively with her clients in order to understand their business objectives.  She acts on disputes across a range of different industries and enjoys developing her sector knowledge with reference to the technical aspects of complex matters.

Zoë has appeared in the High Court of New Zealand.  She is also experienced in utilising various forms of alternative dispute resolution including mediation, adjudication, and arbitration.

Before joining MinterEllisonRuddWatts in January 2022, Zoë was part of the financial services and insurance practice at a national UK law firm.  She previously worked at another large New Zealand law firm where she completed secondments to the disaster recovery unit of a large Australasian insurer.  This international and in-house experience has given Zoë a valuable insight into the global insurance industry and its commercial drivers.

Zoë enjoys working as part of a collaborative team, and she has a strong interest in sustainable and charitable causes.

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Professional background

Recent work

Professional negligence claim against façade engineering firm

Defending a façade engineering firm against a technical, multimillion dollar professional negligence claim concerning the façade design of a large commercial building (UK).

Collapsed financial institution

Providing coverage advice to an insurer in relation to anticipated multimillion dollar investor claims against a collapsed financial institution (UK).

UK Financial Conduct Authority proceedings and administrator’s claim

Acting for a professional firm in connection with UK Financial Conduct Authority proceedings concerning an unauthorised share sale.  Also acting in a related multimillion dollar negligence claim brought by an administrator (UK).

Group company restructure

Advising an insurer in relation to coverage issues arising out of a D&O insurance policy concerning a group company restructure and connected liquidator claim (UK).

Total loss aircraft claim

Advising a policyholder in relation to an insurance coverage dispute arising out of a multimillion-dollar total loss aircraft claim (UK).

Fire damage claim

Assisting with an insurer’s defence of High Court proceedings concerning a fire damage claim where cover was declined on the basis of arson.

Canterbury earthquakes

Advising and assisting insurers in relation to various property damage claims and High Court proceedings arising out of the Canterbury earthquakes.


  • 2014, New Zealand


  • LLB, BA, Victoria University of Wellington


  • Commercial and Corporate Disputes
  • Litigation and Dispute Resolution
  • Insurance Issues and Disputes


  • Member of MinterEllisonRuddWatts’ internationally recognised Tier 1 Dispute Resolution team, The Legal 500 Asia Pacific