An insurance broker is a professional whose job entails helping clients select an insurance plan for their particular needs. An insurance broker works independently on behalf of the buyers, as opposed to the insurance companies, and presents several different options based on the particular details and benefits of each individual plan.
Due to the liability and legal complexity of the industry, insurance brokers must carry an insurance brokers license in whichever state they are practicing in or they will be in violation of the law. The insurance brokers license requires a strong background of education and experience, more than that of a typical insurance agent. Maintaining an objective insurance company and broker relationship is very important in acquiring a fair and accurate insurance policy in terms of insurance broker management and procedures.
A lawsuit involving insurance brokerage may be based on liability claims, bad faith, risk exposure, loss management, agent and broker error and omissions, claims and loss damages, or insurance commission disputes, among other possible issues. Whether it’s auto liability insurance, builders risk insurance, property insurance, life insurance, ocean marine insurance, inland marine insurance, casualty insurance, general liability insurance, health insurance, or workers compensation insurance, the knowledge provided by an insurance broker expert witness may become vital to the outcome of a case.
Insurance brokers work within a complex business involving a lot of details and exchanges between parties, so it very important to have a qualified insurance broker expert witness present in the event of a lawsuit. ForensisGroup recruits only the best in each field, so our clients are matched with the highest quality experts. Browse through our extensive selection of insurance broker expert witnesses and submit an expert request form or take the time to call us for the best expert witnesses you may need for your case.
I have more than 30 years experience in the healthcare/health insurance industry. My experience includes, but is not limited to, sales, sales management, sales distribution channels (including internal sales and outside broker/agents/consultants, operations (billing, claims, customer service), underwriting, product, compensation plans, and profit and loss management. My indirect responsibilities included, but not limited to, actuarial, finance, network development and contracting, compliance, and marketing. My experience includes Individual and Group products/business in commercial and government (Medicare) lines of business. I am offering my services as a healthcare expert witness.
The Eighth Circuit Court of Appeals recently heard an appeal from a district court's denial of a motion for new trial on the basis of excluded expert evidence.A jury awarded an insured under a commercial-property insurance policy $76,000 for covered hail and wind damage to the exterior of two properties, but it found that the policy didn’t cover the water damage to the interiors.A hail storm damaged Appellant’s properties, and she sought coverage replacing the damaged portions of the homes. Insurance Company disputed the claims, and they went to trial on two of the properties. The parties didn’t dispute that hail and wind damage to the properties' exteriors constituted a covered loss under the policy. However, they disagreed on the amount of coverage and whether the policy covered water damage to the properties' interiors. Appellant claimed that damage to the roofs and windows let water seep inside and that the resulting interior water damage was a covered loss. Insurance Company said that water leaked into the properties because of deferred maintenance, not hail damage. As such, it refused to cover the interior damage.Appellant enlisted a public adjuster and a roofing consultant to assess the damage. The insurance expert inspected the properties and issued a written expert report, which described hail and wind damage to both properties' exteriors, particularly the roofs. The insurance expert observed interior water damage at both properties, and based on its location and its appearance shortly after the storm, he opined that it was from water entering the homes through the external damage. He also said that the roofs and other items at both properties should be replaced. Appellant’s roofing expert issued an expert report based solely on his review of the insurance expert's and Insurance Company's reports and photographs of the properties. In that report, he opined regarding on property that "[w]ater intrusion within the home may be the result of defects within the . . . roof caused by wind and hail impact." The report didn’t mention water damage to one of the property's interior but did note that the roof was damaged and that it required major repair or replacement.Appellant’s roofing expert wanted to take a core sample of the property's roof to determine how it was constructed, but snow and ice kept him from doing so at the time of his initial report. But he went to the property later to take the samples, which showed the presence of moisture both within a top roof layer and an older layer beneath it. The expert believed this indicated that the roof needed to be replaced rather than repaired. The parties deposed the roofing expert, and he mentioned these findings. However, Insurance Company’s counsel objected to his mentioning those findings without a supplemental report. Appellant’s roofing expert did draft a supplemental report, but Appellant didn’t disclose it at the time.The original deadline for Appellant to disclose expert witnesses and reports was postponed, largely on stipulation of the parties, six times, and the final amended progression order set the deadline. Appellant subsequently served Insurance Company with supplemental expert reports from both of her experts. The supplemental report from Appellant’s insurance expert included updated damages calculations for each property based both on updated pricing for materials and on the inclusion of interior water damage not presented in the insurance expert's original report. The supplemental report for Appellant’s roofing expert was the as-yet-undisclosed report her roofing expert drafted addressing the core-sampling results. At that time, jury trial was set, and the supplemental reports were thus untimely not only regarding the progression order but also under Federal Rule of Civil Procedure 26(a)(3)(B)'s requirement that such disclosures be made at least 30 days before trial. Subsequently, the trial was postponed because of Appellant's counsel's illness.Insurance Company moved to exclude the supplemental insurance and roofing experts’ reports. The district court noted that, although Appellant's disclosure was untimely under the federal rules at the time it was served, it wouldn’t exclude the reports based on this because Insurance Company had at least 30 days' notice due to the extension of the trial date. But the district court excluded any new items of damage in Appellant’s insurance expert's supplemental report, holding that it was “far too late for Appellant to raise new items of damage she has not previously claimed."The district court also excluded from the Appellant’s roofing expert’s report evidence concerning the moisture in the roof as a justification for her insistence that the roof be replaced. The district court observed that Appellant offered no credible excuse why she didn’t provide the supplemental report to Insurance Company at the time it was drafted. The lower court concluded that it would be prejudicial to Insurance Company to allow Appellant to raise a new theory on why replacement rather than repair was required because it didn’t have the opportunity to explore the moisture-in-the-roof theory of replacement during discovery. The trial judge also noted that, although the results of the roofing expert's core sample were discussed at his deposition, Insurance Company was not obligated to presume the issue of replacement due to roof moisture would be raised without a supplemental report.Appellant argued that she was so prejudiced by the incorrect exclusion of certain portions of the supplemental reports by her insurance and roofing expert that the district court should’ve granted her a new trial. Circuit Judge Clarence Beam wrote in his opinion that Federal Rule of Civil Procedure 16(f)(1)(C) allows a district court to "issue any just orders" to sanction parties for failure to follow a pretrial scheduling order and includes "prohibiting the disobedient party from . . . introducing designated matters in evidence" under Rule 37(b)(2)(A)(ii). Further, Judge Beam noted that in Patterson v. F.W. Woolworth Co. (8th Cir. 1986), the Court of Appeals stated that the factors that a court should consider in deciding whether to exclude the testimony of a witness not made known in a manner complying with a pretrial order include: (i) the reason for failing to name the witness; (ii) the importance of the witness's testimony; (iii) opposing party's required time to prepare for the testimony; and (iv) whether a continuance would be useful. These factors, the judge explained, have also been applied to supplemental expert reports disclosed later than provided for in a progression order.The Circuit Court held that the district court was within its discretion when it excluded certain portions of the supplemental expert reports and did consider the Patterson factors. As to the roofing expert’s supplemental report, the district court noted Appellant had no reason for the extreme delay of her disclosure—despite the fact that she had the report six months earlier; the lack of opportunity for Insurance Company to develop evidence and respond to the roof-moisture theory of replacement at the property; that she did not request a continuance; and that "[a] continuance at the eleventh hour was not appropriate." As to the supplemental report of her insurance expert, the district court again noted its "egregiously untimely disclosure" and observed that the new claimed damage was less than 5% of the total damages Appellant sought.Also, the Court held that Appellant wasn’t prejudiced by the exclusion of this evidence resulting in fundamental unfairness, as she could’ve called her roofing expert to support her interior-water-damage theory, which was included in both his original and supplemental reports. Appellant’s insurance expert's original report likewise presented similar opinions and even included the opinion that the roof of one of the properties needed to be replaced. The roofing expert's original report acknowledged that possibility.The Eighth Circuit agreed that the jury clearly rejected Appellant's claim to any interior damage whatsoever, and thus, the exclusion of the new items of interior damage didn’t prejudice that claim. The district court applied the law correctly under the federal rules and acted within the scope of its discretion in excluding certain portions from the supplemental expert reports. The decision was affirmed. Amplatz v. Country Mutual Insurance Company, No. 15-2645, 2016 U.S. App. LEXIS 9540 (Cir. 8 (Minn.) May 25, 2016).
My career has spanned more than 35 years in the field of Risk Management and Insurance with a particular focus in the oil, gas, marine, and energy industries. I have experience in producing and handling energy, marine, D&O, political risks, liability, accounts and overseeing R&D. I have provided consultations and deposition as an energy insurance expert witness in Texas.
For over 40 years, I have worked in the Property and Casualty Insurance Industry by serving clientele in various fields, such as OCIP/CCIP/Wrap-Ups; Manufacturers; Pharmaceuticals; Oil Jobbers; Truckers; Retailers; Banks; Engineers; Aviation; Wildlife Parks, etc. My expertise includes Standard of Care in Insurance Agent Broker Errors & Omissions; Insurance Bad Faith; and Claims Handling Custom & Practice; Case Assessment; Insurance Policy Construction; Carrier Claims Negotiation / Coverage Disputes, etc. I have been providing expert witness services for more than 10 years as an Insurance Expert Witness In Texas in the areas of Flood Insurance, Commercial Ocean Marine Insurance, Commercial Auto Insurance, Agent Errors and Omissions, Pollution / Environmental Liability Insurance, and Business Income / Extra Expense Insurance.
I have more than 30 years of experience in life insurance, health insurance, property and casualty insurance, workers’ compensation, professional liability, general business insurance, risk management, financial planning, employee benefits, compliance, and insurance agents and brokers duty to perform. I have focused on the areas of complex insurance portfolio plan design and implementation, coverage, consulting and compliance, executive compensation, business perpetuation planning, deferred compensation and estate planning. I have been a Chief Risk Officer for an international resort, hospitality, and property management operation. I have over 15 years of expert witness experience with consultation, deposition, and courtroom testimony.
I have more than 30 years experience in the field of Insurance with expertise in negotiating the sale and purchase of insurance agencies and the terms and development of specialized insurance products in partnership with major insurance companies. I have additional experience with formation and management of group captives. I have over 10 years expert witness experience.
I have more than 30 years of experience as a Life Underwriter. I am the Founder and Principal of an audit, advisory, and actuarial firm focusing on the development of proprietary discovery, analysis, forward modeling and negotiating techniques associated with the employee benefits industry. I also founded a research foundation that focuses on researching healthcare delivery, financing and consumer issues to expand the utility and transparency of statistical and mathematical metric techniques required to accurately forecast future trends. I have prior expert witness experience with consultations and deposition.
I have many years of experience in Economics and Financial Planning. I have helped design life and variable insurance products for insurance companies and have created programs and strategies for brokerages across the country. I also teach and lecture on topics such as Financial Planning, Insurance, and Investments and provide consulting and expert testimony in the areas of Insurance, Investment, Financial and Benefit Planning. I have over 10 years of expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 45 years of experience as an Insurance Agent and Broker. My particular expertise is in insurance coverage analysis, and I am very familiar with all phases of the insurance industry, including consulting on bad faith, customs and practices, and standards of care. I have over 30 years of expert witness experience with consultations, deposition, and courtroom testimony.
I have over 45 years of experience as a licensed life, health and property and casualty insurance agent, broker, and consultant. These licenses have been issued by examination with continuing education in the fields of life, health, disability, variable annuities, property and casualty insurance and mutual funds. I am an expert in forensic reconstruction of insurance transactions, specializing in policy interpretation of the rules, laws and regulations governing insurance and financial matters. I have over 40 years of expert witness experience with consultation, deposition, and courtroom testimony.
I have more than 25 years of experience in the field of Insurance with expertise as President of a brokerage firm. This experience affords me a unique ability to ascertain and explain risk in simpler terms. I consult in: fully insured, self funded/self insured medical plans consulting, self funded property and casualty programs, stop loss, reinsurance, risk contracting, provider excess loss, HMO reinsurance, provider risk contracting, PPACA and medical plan design, annuities, and indexed universal life. I’m currently an Adjunct Professor and Speaker, and have over 40 articles and letters that have appeared in various publications and several professional newsletters. I am federal court qualified. I speak, broker, and consult internationally on managed care, self-funding, risk contracting, and insurance and reinsurance issues. I have over 5 years of expert witness experience with consultation, deposition, and courtroom testimony.
I have more than 45 years experience in the Insurance industry with expertise in Property Casualty for commercial policyholders. I have experience with management consulting for insurance agencies. I have over 10 years expert witness experience with consultations and deposition.
I have more than 50 years experience in the field of Insurance with expertise in Risk Management. I have experience with related property and casualty insurance; fairness of premium charges; services provided by agents, brokers and insurers; and risk financing techniques. I have performed risk management and insurance studies, including enterprise risk management assessments and merger and acquisition due diligence. I have over 35 years expert witness experience with consultation, deposition, and court testimony.
I have more than 15 years in Corporate Finance, and I am Co-Founder and Managing Director of a strategic advisory firm focused on small and medium enterprises. My firm has represented clients from various industries, and I have successfully implemented multiple aspects of financial management efforts, including: financing, financial reporting, benchmarking, treasury functions, risk management, internal controls, and accounting and tax planning. My core competencies include: business valuation, financial reporting and planning, mergers and acquisitions, as well as divestitures, debt and equity financing and capital raising, board and investor relations, corporate finance, securities valuation, financial modeling and analysis, and risk management. I have prior expert witness experience with consultations and deposition.
I have over 40 years experience in the field of Insurance and Reinsurance. My extensive experience includes all phases of property / casualty / professional liability insurance, reinsurance, insurance industry custom and practice, and industry standards of care. I also have experience as an underwriting manager for several insurance and reinsurance companies. My experience in underwriting includes complex major commercial casualty accounts as well as manuscript primary and umbrella forms. As a reinsurance broker with several major intermediaries, I placed a broad spectrum of facultative and treaty reinsurance for “Main Street” insurers as well as many carriers writing specialized lines such as Kidnap and Ransom, Professional Liability, Auto Racing, Patent Infringement, and Employment Practices Liability. I have additional experience in insurance company and broker relationships, various types of pool arrangements used as a risk financing / management mechanism for participating members including association captives, group owned captives, insurance disputes, risk retention groups, and joint power of attorney. I have more than 10 years expert witness experience with consultations, deposition, and courtroom testimony.
I have over 30 years experience in the insurance and risk management fields as an underwriter, retail broker, program manager, consultant and expert witness. My expertise includes insurance broker operations and standard of care, insurance industry custom and practice, insurance company and broker relationships, insurance standard of care for agents and brokers, insurance disputes, marketing in the United States, London, Europe and Bermuda, alternative risk financing techniques, cpcu, program structure, and coverage analysis. I have prior expert witness experience with consultations, deposition, and courtroom testimony.
I have over 30 years experience in the Insurance industry and have provided services in all insurance matters. My expertise includes agency operations, agent due care, bad faith, due diligence, underwriting and risk analysis, right of subrogation, E&O matters, commercial underwriting, workers compensation, placing and binding coverage, agency loss ratio, life and disability insurance, standards of the industry, commercial insurance coverage, personal lines of coverage, risk analysis, risk prevention, agency evaluation, agent carrier relations, claims handling, risk retention, medical coverage, condominium and mobile homeowners, the policy as a legal contract, JPA and defense against law suits. I have more than 10 years of expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 40 years of experience in the commercial insurance industry with expertise in the customs and practices of the Bermuda Excess Liability insurance market, and the use and interpretation of the so-called Bermuda Excess Liability Application and Policy form. I have an in-depth appreciation and knowledge of the insurance agent/broker relationship, insurance standard of care for agents and brokers, and in determining whether or not the agent/broker has met their standard of care due the client under state law. I have additional knowledge of insurance industry custom and practice, cases involving insurance broker errors, brokerage malpractice, and omissions claims, property damage/business interruption, insurance disputes, and insurance agency breach of contract disputes. I have over 10 years expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 30 years of experience in the field of Property and Casualty Insurance with expertise in casualty reinsurance to commercial and personal insurance coverage. I have experience with insurance contracts, coverage, and insurance disputes; as well as knowledge of insurance company and broker relationships, cyber liability and risk, and real estate insurance.
I have more than 30 years experience in the field of Insurance with expertise in negotiating the sale and purchase of insurance agencies, insurance company and broker relationships, and the terms and development of specialized insurance products in partnership with major insurance companies. I have additional experience with formation and management of group captives.
I have more than 40 years experience in the fields of Risk Management and Alternative Risk Finance with expertise in insurance standard of care for agents and brokers, surplus lines brokers and underwriters. I have additional experience with industry custom and practice, insurance brokerage management and systems and procedures; as well as, property and business interruption, comprehensive liability – occurrence and claims made issues, workers compensation, excess liability, and Directors’ and Officers’ liability. I have over 5 years expert witness experience.
I have more than 20 years experience in the field of Real Estate Appraisal with expertise in insurance standard of care for agents and brokers, large multi-tenant and single-tenant retail properties, suburban and downtown office buildings, mixed-use facilities, industrial facilities, hotels, waterfront properties, right-of- ways, easements, ground leases, subdivisions, resort properties, golf courses, vineyards, and thousands of acres of land. I have also appraised all types of residential real estate including: damages, single family homes, high-rise and low-rise apartment buildings, entire condominium complexes, tenancies in common, ranches, cooperatives, timeshares and individual condominium units. I have over 5 years expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 25 years experience in the field of Risk Management. My extensive experience includes property, liability and worker’s compensation, officer’s liability insurance, employment practices liability insurance, insurance broker management, insurance company and broker relationships, fiduciary liability insurance, insurance risk calculations, business crisis management, and crisis and disaster planning. I have over 10 years expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 35 years experience in the field of Property and Casualty Insurance. Extensive experience in risk management, liability losses, contractor delay claims, program design, safety oversight, administration, claims handling, claims and loss damages, brokers errors and omissions, and property losses. My additional knowledge includes consolidating insurance programs for parent and subsidiary companies, funding techniques, insurance standard of care for agents and brokers, and structuring innovative solutions and alternatives. I have over 5 years expert witness experience.
I have more than 30 years experience in the insurance industry (Property, Casualty and Life/Health insurances) with special emphasis on company agency / company disputes, professional responsibility issues, insurance practice and standards, insurance industry custom and practice, insurance standard of care for agents and brokers, insurance company responsibility for underwriting and claims processing; standard of care; reasonable care and diligence; insurance company and broker relationships, and special relationships. I have over 10 years expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 20 years experience in the field of Insurance, including combined insurance brokerage and executive senior corporate counsel experience. I have over 10 years executive management experience with international, large regional, and financial institution-owned insurance brokerages. I also have more than 10 years senior in-house litigation case management experience handling multiple billions of dollars in case exposures in nearly every state and throughout the world for two of the largest international insurance brokers, in addition to handling regulatory compliance, contract negotiations, insurance company and broker relationships, insurance standard of care for agents and brokers, insurance industry custom and practice, non-admitted insurance, and employment matters. I have prior expert witness experience with consultations, deposition, and courtroom testimony.
I have over 40 years experience in the insurance and real estate industries in various capacities. I have experience as an insurer, broker, independent adjuster, consultant, corporate risk manager, and private investigator. I have prior expert witness experience with consultations, deposition, and courtroom testimony.
I have more than 10 years in the field of Insurance with expertise in all types of insurance coverage. My experience includes Insurance Brokers/Agents Errors and Omissions issues, bad faith, analysis, research, insurance brokering, and underwriting. I have over 10 years expert witness experience with consultations, depositions, and courtroom testimony.