Marine & Maritime Insurance Expert Witness

Expert Witness No. 1363

Florida

SUMMARY:

Expert 1363 is an insurance company executive with regional and home office expertise. Experience includes creating new insurance products, drafting policy language, developing loss control standards and procedures, adjusting and supervising claims, interpreting policy language, writing underwriting guidelines and procedures, preparing regulatory filings, and supervising underwriting, sales and claims personnel. Specializing in franchised automobile vehicle dealerships, commercial marine risks, legal malpractice, and insurance agents professional liability.

EDUCATION:

Jacksonville University, Jacksonville, Florida
Graduated May 1973
B.S. Business Administration

Langley High School, McLean, Virginia
Graduated June 1968

INSURANCE RELATED COURSES:

1. Casualty Loss Adjusting Crawford & Company Insurance School Dwelling Appraisal and Property Loss Adjusting
2. Crawford & Company Insurance School Fire Protection and Hydraulics
3. Lumberman's Underwriting Alliance Fire Prevention
4. Lumberman's Underwriting Alliance Accident Prevention
5. Lumberman's Underwriting Alliance OSHA Law & Regulations
6. Lumberman's Underwriting Alliance/NIOSH Professional Finance and Insurance Management
7. Dunn & Bradstreet Use of the Computer in Insurance Related Applications
8. Universal Underwriters Insurance School Course of Selling Techniques
9. Lee Debois Schools Time Management
10. DeTaks Schools Rate Making & Loss Cost Development
11. Insurance Services Office Implementing Prospective Loss Cost
12. Insurance Services Office Policy Coverage: Intention v. Interpretation
13. American Bar Association Personal Lines Coverages
14. Insurance Licensing School
15. Commercial Casualty - Advanced Topics
16. Insurance Licensing School Senior Health Care
17. Insurance Agents Professional Liability
18. Time Element Insurance
19. Disability Income Insurance
20. Commercial Lines Insurance
21. Insurance Agents Professional Liability Loss Prevention
22. Personal Lines Risk Management
23. Florida Insurance School

INSURANCE ~ PROFESSIONAL DESIGNATIONS:

1. Certified Insurance Counselor
2. Commercial Casualty April 2001 Passed
3. Personal Lines May, 2001 Passed
4. Life Insurance June 2001 Passed
5. Agency Management September 2001 Passed
6. Commercial Property December, 2001 Passed
7. Certified Property & Casualty Underwriter
8. Underwriting Principles April, 1984
9. Certified Risk Manager
10. Financing of Risk September, 2003 Passed
11. Practical Risk Management, December 2003 Passed
12. Faculty - The National Alliance

MARINE RELATED COURSES:

1. United States Power Squadrons Piloting
2. Basic Boating
3. Seamanship
4. Advanced Piloting
5. Marine Weather
6. Marine Insurance
7. Marine Electronics
8. Engine Maintenance
9. Instructor Qualification
10. Sail
11. Cruise Planning
12. Leadership Development

LICENSES:

Florida 2-20: General Lines
Licensed for Solicitation, Consultation, and Claims Adjusting
Property, Casualty and Health Insurance

Florida 2-40: Health
Licensed for Solicitation, Consultation and Claims Adjusting

Florida 2-14: Life & Variable Annuity
Licensed for Solicitation and Consultation

Florida 2-15: Life, Health & Variable Annuity
Licensed for Solicitation and Consultation

Florida 1-20: Surplus Lines
Licensed to Export Insurance Outside Florida

Florida 0-60: Managing General Agent
Licensed to Manage Specific Affairs of Insurance Carriers

Georgia: Nonresident
Licensed for Solicitation, Consultation, and Claims Adjusting
Property, Casualty and Surety

Virginia: Nonresident
Licensed for Solicitation, Consultation, and Claims Adjusting
Property, Casualty Surety, and Surplus Lines

Continuing Education Statute - In Compliance

LICENSES & DESIGNATIONS:

1. Marine Vessel Examiner - U. S. Coast Guard
2. Airman's License - Federal Aviation Administration
3. Instrument Endorsement
4. Complex Aircraft Endorsement
5. High Performance Aircraft Endorsement
6. Acrobatic Endorsement
7. Maritime License - Instructor - State of Florida
8. Instructor - United States Power Squadrons
9. Educational Proficiency Award - United States Power Squadrons

WORK HISTORY:

6/93 to Present
President
Risk Management Company, Florida
Provide insurance consultation services for large commercial risks and governmental agencies nationwide.
Administration of professional liability insurance programs for attorneys, accountants insurance agents totaling $25,000,000.
Provide special services to insurance carriers, including writing insurance policy provisions, underwriting guidelines, processing procedures, rate development, and rate and forms filings.
Act as an insurance intermediary for the placement of a client's insurance.
Insurance is either placed direct with an insurance carrier or indirectly through an insurance agency or managing general agency.
Premium totaling $1,500,000.

1/93 to 6/93
President
RUMGER-Great American Insurance Services Orlando, Florida
Responsible for all operations including modification of policy form, procedures, systems, and marketing.
Transferred RUMGER Insurance Company policyholders to Great American Insurance Company retaining some $12,000,000 in premium.

Special Projects:

Rewrite of broad form Professional Liability Policy for Lawyers

1/89 to 1/93
Vice President - Administration
RUMGER Insurance Company Orlando, Florida
Responsible for underwriting, loss control, governmental affairs, policy rating and processing, computer services, reinsurance, and new product development.
Participate in company strategic planning and operations, including new market and new products development.
Responsible for drafting policy language, rules and rates, including obtaining approval by appropriate governmental agencies.
In charge of computer hardware procurement, in-house programming, system operation of AS400 main frame and IBM compatible PC computers and internal operations.

Special Projects:

Creation of broad form Package Policy for Attorneys (LAWPAC)
Creation of broad form Professional Liability Policy for Physicians (PRO-MED)
Creation of Prospect Account Marketing Program
Designed computer program to automate the policy issuance, billing, statistical reporting
Financial reports and claims adjusting operations

3/88 to 1/89
Vice President - Underwriting and Sales
RUMGER Insurance Company Orlando, Florida
Responsible for underwriting, loss control, governmental affairs, policy rating and processing, sales, and new product development.
Participate in company strategic planning and operations, including new market and new products development.
Responsible for drafting policy language, rules and rates, including obtaining approval by appropriate governmental agencies.

Special Projects:

Creation of broad form Professional Liability Policy for Attorneys

2/86 to 3/88
Vice President
National Risk Management & Associates, Inc.
Structured Financial Associates of Florida, Inc. Lake Mary, Florida
Developed commercial insurance programs for the Florida Automobile Dealers Association, ComCar(i.e. Commercial Carrier Corporation) and RUMGER Insurance Company.
This included the creation of loss prevention and safety engineering programs, insurance policy provisions, underwriting guidelines, processing procedures, rate development, and rate and forms filings.
Provided consultation services for attorneys, insurance carriers, and independent claims adjusting corporations on insurance related matters.
Handled structured settlement & life insurance programs including the design, evaluation, negotiation and settlement of tort and workers compensation claims.
Provide consultation services for state auto dealer associations, and individual auto dealers nationwide.
Regularly conducted insurance seminars for auto dealers.

11/83 to 2/86
Divisional Executive Assistant
Universal Underwriters Insurance Company
Universal Underwriters of Texas Kansas City, Missouri
Assistant to the Vice President and General Manager of the Western and Southern Divisions.
Responsible for the marketing, underwriting, claims, internal services, and accounts receivable operations in 14 regional offices with annual written premiums of over $110,000,000 in commercial property and casualty, life and other insurance related business.
Represented line management in new product development.
Regular duties include; review requests for special endorsements, development and maintenance of commercial package policy (i.e. Unicover), review new coverage requests from regional offices, review new or changes in state law that may effect insurance policy, review coverage questionnaires and requests for gratuitous claims payments.
Territory - Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Kentucky, Louisiana, Mississippi, Montana, Nevada, New Mexico, North Carolina, Oregon, South Carolina, Tennessee, Texas, Utah, Virginia, Washington and Wyoming.

Special Projects:

Creation of Commercial Package Policy for Automobile Dealers
Creation of Account Profile Marketing Program
Creation of Prospect Account Marketing Program
Designed computer program to automate the policy issuance, billing, statistical reporting, financial reports and claims adjusting operations in Texas.

1/81 to 11/83
Divisional Underwriting Manager
Universal Underwriters Insurance Company Kansas City, Missouri
Assistant to the Vice President and General Manager of the Western Division.
Responsible for the underwriting, internal services and accounts receivable operations in 7 regional offices with annual written premiums of over $60 million in commercial lines property and casualty business.
Regular duties include; policy interpretation, development of special endorsements, development and maintenance of commercial package policy (i.e. Unicover), review new coverage requests from regional offices, review new or changes in state law that may effect insurance policy.
Indirectly responsible for specifically assigned sales and claims operations.
Territory - Arizona, California, Colorado, Idaho, Montana, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming.

Special Projects:

Creation of Computerized Building Appraisal Service Creation of Computerized Motor Vehicle Report Service Loss Prevention Committee Member, Coverage Committee

12/77 to 1/81
Regional Underwriting Manager
Universal Underwriters Insurance Company, Kansas City, Missouri
Reported to the Divisional Underwriting Manager.
Responsible for the underwriting, policy issuance, and accounts receivable operations in the regional office.
These responsibilities include new and renewal commercial and personal lines policy processing, evaluation, and placement of facultative reinsurance.
Territory - North Carolina, South Carolina and Virginia.

Special Projects:

Established underwriting office in Raleigh, North Carolina
Established satellite office in Richmond, Virginia

8/76 to 12/77
Assistant Underwriter
Universal Underwriters Insurance Company Kansas City, Missouri
Reported to the Regional Underwriting Manager.
Responsible for the underwriting, evaluating and pricing of agents orders, and new and renewal commercial lines property and casualty business.
Territory - Alabama, North Carolina, South Carolina, and Virginia.

Special Projects:

Loss Prevention Consultant

2/74 to 8/76
Lynn Underwriting Company
Universal Underwriters Insurance Company Jacksonville, Florida
Loss prevention and OSHA inspections and consultation.
Created loss prevention program for Florida Automobile Dealers Association Self-Insured Workers Compensation Fund.

Special Projects:

Consultant to and liaison to Lumberman's Underwriting Alliance.
Development of Designated Person Program Loss Prevention Program.

8/73 to 2/74
Insurance Adjuster & Property Appraiser
Crawford & Company Insurance Adjusters Jacksonville, Florida
Claims adjusting property, casualty and workers compensation losses.
Dwelling and light commercial building appraisals.

5/73 to 8/73
Insurance Adjuster
Crawford & Company Insurance Adjusters Way cross, Georgia
Claims adjusting property, casualty and workers compensation losses

CIVIC SERVICE:

Administrator - Seminole Power Squadron Insurance Program
Seminole County Tourism Development Advisory Board
Orlando International Fringe Festival Board of Directors Board of Directors - Princeton Hospital Foundation
On-Air Talent - WMFE-PBS Radio & Television
Commander - United States Power Squadrons Valencia Community College Advisory Board
Orlando Theater Project Board of Directors

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