Providing insurance consulting, property and casualty insurance analysis, and risk management advisory services for more than 50 years, this expert focuses on underwriting practices, casualty insurance rating plans, fairness of premium charges, insurance brokerage operations, insurance policy interpretation, and risk financing techniques. Professional experience includes evaluation of insurance industry practices involving insurers, brokers, agents, and risk management service providers, along with development and administration of commercial and personal property and casualty insurance programs for corporate, institutional, and governmental clients. The expert has also performed enterprise risk management assessments and insurance-related due diligence associated with mergers and acquisitions. The expert has more than 35 years of experience providing litigation consultations, expert opinion analysis, deposition testimony, arbitration testimony, and trial testimony involving insurance industry standards, underwriting disputes, broker conduct, policy interpretation, and property and casualty insurance practices.

Professional responsibilities have included principal and director-level leadership roles involving legal support services, insurance consulting operations, and risk management program advisory work. Experience includes analysis of casualty insurance rating plans, insurance placement practices, premium disputes, layered liability insurance structures, claims-made policies, workers’ compensation financing, contractual insurance requirements, cyber-risk exposures, insurance cost containment strategies, and insurance agent and broker errors and omissions. Additional work has involved ongoing management and evaluation of insurance and risk financing programs, coordination with insurers and brokers regarding policy placement and servicing, and assessment of insurance contract language, terms, and conditions. Documented expert witness experience includes participation in more than 140 insurance disputes over a 50-year period, along with approximately 99 additional matters involving expert opinion analysis where testimony was not required.

Publications, presentations, and speaking activities have addressed risk management strategies, insurance cycle management, broker malpractice exposure, workers’ compensation obligations, certificates of insurance, insurance contracting practices, cyber-risk management, layered liability insurance programs, and commercial insurance cost containment strategies. Professional involvement includes leadership participation within the Society of Risk Management Consultants and membership in the Society of CPCU. Educational background includes a Bachelor of Business Administration degree and completion of the Chartered Property Casualty Underwriter designation program. Credentials include licensure as an Insurance Advisor in multiple states and prior Insurance Broker licensure. Testimony experience includes depositions, arbitration proceedings, and trial testimony in state and federal matters involving insurance disputes, premium conflicts, broker practices, and interpretation of insurance policy language and coverage terms.