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Chadler M. Hardin

Associate, Louisville

Chad joined SKO in 2017 following three years in private practice with other firms. He is a member of the Business Litigation and Torts, Trial and Insurance Services practices. His experience includes making oral arguments to the Kentucky Court of Appeals and earning recognition as a Rising Star by Super Lawyers. Chad adopts a practical, problem-solving approach to defending his clients and represents them with vigor and passion.

University of Louisville Brandeis School of Law
2014, J.D., magna cum laude
University of Louisville
2011, B.S., magna cum laude
U.S. District Court, Eastern District of Kentucky
U.S. District Court, Western District of Kentucky


  • Super Lawyers, 2017 Rising Star


  • Kentucky Bar Association
  • Defense Research Institute
  • Kentucky Defense Counsel

Meet Chad

Legal Practice

My practice includes both trial and appellate work. Prior to joining SKO, I gained valuable experience defending businesses, insurance companies and people in lawsuits involving fraud, personal injury, insurance coverage, bad faith, defamation and shareholder disputes. My experience allows me to represent clients in a variety of matters.

Looking Ahead

Today’s judicial system is inundated by lawsuits, many of which are frivolous or filed for improper means. Businesses and individuals alike will continue to seek experienced counsel to provide a goal-oriented and problem-solving approach to their issues.

Work Highlights

Auto Insurance Stacking Precedent

Consol. Ins. Co. v. Slone, 538 S.W.3d 922, 925 (Ky. Ct. App. 2018).  Chadler established insurance stacking precedent preventing further escalation of auto insurance premiums for fleet policies.  Chadler successfully defended an insurance company at the Kentucky Court of Appeals on an issue of first impression in Kentucky: whether underinsured motorist benefits under a fleet policy were stackable by student occupants of a county school bus involved in a motor vehicle accident.  Upon prevailing on appeal, the client’s coverage liability exposure was reduced by $31.5 million.