Risk management and insurance expert with more than 25 years of experience in enterprise risk management, commercial insurance programs, and broker service standards. She holds a Master of Education degree and the Associate in Risk Management (ARM) designation and maintains multiple active property and casualty insurance brokerage licenses. Her primary discipline is Risk Management and Insurance, with specialized expertise in property, liability, and workers’ compensation insurance programs; directors and officers liability; employment practices liability; fiduciary liability; insurance broker management; insurer bad faith; crisis and disaster planning; and insurance risk analysis. Her work addresses coverage interpretation, claims handling practices, broker standard of care, adequacy of limits, deductible structures, business interruption coverage, and risk control standards.

She is the founder and President of a risk management and insurance consulting firm established, providing outsourced risk management services, broker selection and oversight, workers’ compensation claims reduction programs, and crisis management advisory services. Earlier roles included Corporate Risk Manager, Assistant Risk Manager, Senior Account Representative in insurance brokerage, and Risk Management Specialist, with responsibility for global property and casualty programs, claims and litigation coordination, broker request-for-proposal processes, safety and loss control initiatives, and historical coverage interpretation. She has also served in academic and continuing education roles teaching risk management and insurance coursework at the university and professional levels.

She has more than 10 years of expert witness experience and has provided expert reports and testimony in over fifty insurance-related matters involving broker professional liability, insurer bad faith, coverage denials, coinsurance disputes, flood and property insurance placement, excess and umbrella limits, workers’ compensation deductible programs, and business interruption claims. Her work has included litigation consultation, expert reports, deposition testimony, and trial testimony in selected matters, as well as written testimony before a state insurance department and service in arbitration-related roles. Her professional involvement includes long-standing participation in the Risk and Insurance Management Society (RIMS) and related industry organizations, reflecting sustained engagement with regulatory oversight, insurance standards, and evolving risk management best practices.