CharCretia Di Bartolo

Partner | Boston, MA

(857) 504-1140

CharCretia Di Bartolo is an experienced commercial litigator who focuses her practice in the areas of surety, construction and insurance coverage.  She represents sureties, insurers and contractors on complex construction, coverage and commercial matters.

CharCretia represents sureties in all aspects of contract and commercial surety matters, including claims and litigation involving payment, performance, probate, second-hand motor vehicle dealer, injunction and other miscellaneous bonds.  She also represents contractors and subcontractors in complex construction matters, including disputes involving delay completion damages, contract nonpayment, and liquidated damages.

CharCretia provides advice and review of all types of insurance coverages relating to construction projects, including general liability, errors and omissions and builder’s risks coverages.  She also assists in claims investigations and provides advice regarding financial institution and commercial crime coverages and represents fidelity insurers in coverage litigation.  

CharCretia has trial and motion practice experience in both federal and state courts throughout New England, including in Massachusetts and Rhode Island where she is barred, as well as arbitration and mediation experience in those jurisdictions.  She regularly publishes articles and lectures on fidelity, construction and surety issues.

  • Boston Magazine Top Lawyers in Construction, 2021 edition
  • Holds the AV® Peer Review Rating from Martindale-Hubbell, its highest rating for ethics and legal ability
  • American Bar Association
    • Vice-Chair, Fidelity & Surety Law Committee of the Tort Trial and Insurance Practice Section
    • Co-Chair, Law Division of the Fidelity & Surety Law Committee
  • Rhode Island Bar Association
  • Fidelity Law Association, Advisor Emeritus
  • A Primer On Insurance Coverage For the Surety Professional, Session Eight: Owner’s Protective Professional Indemnity Coverage,” ABA Fidelity and Surety Law Committee, Midwinter Meeting, Washington, D.C.
  • “Too Broad, Too Expensive , Too Bad: Discovery of Other Insureds’ Claims Files and Other Claims Handling Practices,” ABA Fidelity and Surety Law Committee, Midwinter Meeting, New York, New York.
  • “Expansion and Contraction of the Employee Dishonesty Provision – The Sky’s The Limit?”, ABA Fidelity and Surety Law Committee, Midwinter Meeting, New York, New York.
  • “The Reasonable Insured Has Left the Building: Executive Risk Indemnity IncPepper Hamilton,”Hinshaw & Culbertson’s 2009 Insurance Services Symposium, Chicago, Illinois.
  • “Discovery, Late Notice and Late Proof of Loss: The Reasonable Person in the Age of Enron, the Internet and 24-hour News Coverage,” ABA Tort Trial & Insurance Section Fall Meeting, Philadelphia, Pennsylvania.
  • “Misrepresentation or Concealment in the Application Process,” at the Surety Claims Institute 33rd Annual Meeting, Hot Springs, Virginia.
  • “Construction Insurance Basics: A Primer on the Coverages Every Construction Practitioner Should Know” Watt Tieder Hoffar & Fitzgerald, LLP In-House Seminar
  • “General Agreements (A) and (C) and (E) and (F),” Financial Institution Bonds, 4th Ed. (ABA Fall 2016).
  • “Definitions,” Annotated Commercial Crime Policy, 3rd ed. (ABA Fall 2015).
  • “The Impact of Attorney Negligence and Bad Acts on the Probate Bond Surety,” The Law of Probate Bonds, ed. (2014).
  • “Definitions,” Annotated Financial Institution Bond, 3rd ed. (2014).
  • “New York State Appellate Court Affirms Trial Court Summary Judgment In Favor of Insured On Direct Loss Issue But Remands For Further Findings Regarding Whether Rogue Trader Was An Employee of Insured,” ABA Fidelity and Surety Law Committee Newsletter, Fall 2014.
  • “Indirect Lending: It’s Not Personal, Its Just Business,” XIX Fid. Law. J. 53 (Nov. 2013).
  • “The Surety Underwriter’s Desk Book,” contributing author, Chapter 41 (Rhode Island), ABA Fidelity and Surety Law Committee, 2013.
  • “Who’s the Boss? The Impact of Professional Employer Organizations on Fidelity Coverage,” VIII Fid. J. 75 2002.
  • “Rescission of Commercial Crime Policies: Turning Back the Clock on Coverage,” Commercial Crime Policy, Marmor and Tomaine, 2nd edition, 2005.

Areas of Practice

  • Surety
  • Construction
  • Commercial Litigation
  • Insurance Coverage


  • Washington University School of Law
    • Executive Editor of Recent Developments, Journal of Urban & Contemporary Law
  • Washington University, B.A.

Bar Admissions

  • Massachusetts
  • Rhode Island

Court Admissions

  • U.S. Court of Appeals for the First Circuit
  • U.S. District Court for the District of Massachusetts
  • U.S. District Court for the District of Rhode Island