INSURANCE EXPERT WITNESS

EDUCATION

B.S. Ohio University, 1966

Attended the Graduate and Law Schools, University of Akron

Awarded CPCU designation in 1984

New Hampshire non-resident agent licenses

Certified Insurance Consultant License

QUALIFICATIONS SUMMARY

Expert 1505 insurance career spans 38 years, and features senior management and officer positions in claims, underwriting, policy and funding agreement drafting, program design, insurance broking, regulatory matters, insurance consulting, archival & coverage research, and agency plant management. He is a recognized expert on casualty claims and underwriting issues and on numerous occasions he has testified at deposition and trial regarding both areas of insurance. His policy design portfolio includes Contingent Consequential Loss Insurance, Perils of Transportation and Transit, and Remarketing Expense Indemnity Insurance. He is a frequent speaker and author on insurance industry matters. He is also a noted insurance educator, and has been a faculty member of several professional educational organizations, Northeastern University, and the National Insurance Training Group for Deloitte & Touche audit practitioners.

WORK EXPERIENCE

Self-Employed Expert Witness & Consultant. Expert 1505 left Deloitte Consulting November 2004 to establish his own practice.

Deloitte Consulting LLP, Hartford, Connecticut. Expert 1505 joined the Firm in 1994 and progressed to Senior Manager and Practice Leader in the fields of Casualty & Latent Claims, Underwriting, and Market Conduct Consulting. In addition to serving as an expert witness and consultant on litigated matters, he provided guidance to the Firm and the Firm's clients in all areas within his Practice Leadership responsibilities. His duties and responsibilities included: claim, underwriting, and market conduct audits; client advocacy and litigation support services; policy drafting; program design; case reserve studies; and, audit enhancement services.

Expert 1505 led the claim evaluation team on numerous engagements including major due diligence projects. His areas of expertise included latent and emerging exposures (asbestos, environmental, implants, construction defects etc.), workers compensation, USL&H, personal lines, products liability, fidelity & surety bonding, fair claim practice issues, reinsurance, marine insurances, and medical & legal professional liability. He also consulted with insurers and TPAs on product differentiation through claim expertise, and on performance incentive arrangements (gain share contracts) for claim administrators. He was a lead technical consultant on a number of diverse major engagements, such as denationalization of insurance in Uruguay. In addition to his domestic engagements. Expert 1505 served clients in Canada, Europe, Mexico, and South America.

American International Companies (AIG). Expert 1505 held numerous management and officer positions in claims, underwriting and agency/brokerage management areas during his 19-year affiliation with member companies of AIG. From 1990 to 1994, in addition to his principal employment as Regional Manager for AIG Claim Services Inc., he was resident officer for AIG Specialty Agency of Massachusetts, Inc. He acted as executing and countersigning agent for all AIG admitted papers in Massachusetts and New Hampshire, and advised underwriting units on regulatory matters and policy manuscripting issues. Expert 1505 was Production Manager for AIG's Boston Regional Office and as such, conducted New England business on behalf of those AIG underwriting facilities not represented in the Regional Office. He designed policies and collateral mechanisms for fronted and risk assumptive programs, performed sales and underwriting functions for major casualty accounts, and managed the agent & broker plant and licensing functions. Additionally, he conducted compliance (e.g. quality, premium fraud, market conduct) audits of Managing General Agents having underwriting and/or claim authority. His regulatory experience includes two years tenure as Branch Manager for AIG's New Hampshire Insurance Group where he hosted market conduct audits for Massachusetts and Rhode Island and adroitly handled regulatory issues attendant to the carrier's withdrawal from the Commonwealth.

Independent Wholesale & Retail Broker. Expert 1505 was affiliated with regional insurance brokers from 1986 to 1988 specializing in high-risk liability, difficult surety, environmental and marine insurances.

Travelers Insurance Company. Expert 1505 entered the insurance industry in 1967 as an adjuster with The Travelers Claim Department, specializing in medical professional claims. Following several years as a Claim Supervisor and liaison with major rubber companies, he transferred to the home office as Claim Training Supervisor. He authored and edited a number of internal organs and publications including the Claim Quarterly, Standards of Professional Conduct (internal fraud), and Capitalizing on Claim Capability (claim expertise as a sales technique for commercial and personal lines). He ultimately became a Liability Examiner with Travelers, and ruled on coverage matters and claims exceeding field authority levels.

INDUSTRY SERVICE ACTIVITIES AND HONORS

Lecturer, Northeastern University

Recipient of Northeastern University's Distinguished Instructor Captain's Chair Award

Instructor in the AAI and CPCU curricula for Independent Insurance Agents of Massachusetts

Instructor, CPCU studies, Insurance Library Association of Boston

Faculty member, Worcester County (Massachusetts) Insurance Institute

Biographical sketch has appeared in Marquis' Who's Who in the East and Underwriters' Who's Who in Insurance

Member, Society of Insurance Trainers and Educators

PUBLICATIONS

Available upon request

SPEAKING ENGAGEMENTS

Available upon request

PARTIAL LISTING OF NICHE EXPERTISE AREAS

A & H - Group Travel Accident

Case & Bulk Reserving

Coverage in Place Agreements & Policy Buybacks

Document & Communications Risk Management

Industry Standards

Inland Marine & Uncontrolled Classes

Garage & GKLL

Latent Claims - asbestos, environmental, construction defects

Livery Risks

Market Conduct & Fair Claim/Underwriting Practices

Medical & Legal Malpractice

MGA - MGU Operations and Standards

Policy Drafting & Interpretation

Premium Financing

Products Liability

Reinsurance & follow fortune issues

Stop Loss - specific & aggregate

Surety and Financial Guarantee

TPA Operations and Industry Standards

Underwriting Intent Opinions and Research

Warranty Policies & Mechanisms - Auto, Heavy Equipment, Electronics

Workers Compensation, USL&H, FELA

KEYWORDS

Insurance Expert Witness, Property Casualty Expert Witness, Commercial Property Casualty Underwriter Expert Witness, CPCU Expert Witness, AIG Expert Witness, Dispute Resolution Expert Witness, Rule 26 Expert Witness, Rule 29 Expert Witness, Rules 26 & 29 Expert Witness, Policy Drafting Expert Witness, Group Travel Expert Witness, Case Reserving Expert Witness, Bulk Reserving Expert Witness, Coverage in Place Agreements Expert Witness, Policy Buybacks Expert Witness, Insurers Document Expert Witness, Communications Risk Management Expert Witness, Inland Marine & Uncontrolled Classes Expert Witness, Garage & GKLL Expert Witness, Latent Claims Expert Witness, Asbestos Expert Witness, Construction Defects Expert Witness, Livery Risks Expert Witness, Market Conduct Expert Witness, Fair Claim Expert Witness, Medical Malpractice Expert Witness, Legal Malpractice Expert Witness, MGA/MGU Operations Expert Witness, MGA/MGU Standards Expert Witness, Premium Financing Expert Witness, Aggregate Stop Loss Expert Witness, Surety Expert Witness, Financial Guarantee Expert Witness, Sunset Clauses Expert Witness, TPA ops Expert Witness, Standards & Pricing Expert Witness, Underwriting Intent Opinions & Research Expert Witness, Warranty Policies Expert Witness, Warranty Mechanisms Expert Witness, WC/USL&H/FELA Expert Witness, Archival Research Expert Witness, Coverage Research Expert Witness, Manuscripting Expert Witness, Interpreting Expert Witness, Accident and Health Expert Witness, Accident Expert Witness, Health Expert Witness, Managing General Agency Expert Witness, Managing General Underwriter Expert Witness, Third Party Claim Administrator Expert Witness, Underwriting Expert Witness, Policy Agreement Drafting Expert Witness, Funding Agreement Drafting Expert Witness, Program Design Expert Witness, Insurance Broking Expert Witness, Regulatory Matters Expert Witness, Insurance Consulting Expert Witness, Archival Research Expert Witness, Coverage Research Expert Witness, Agency Plant Management Expert Witness, Casualty Claims Expert Witness, Latent Claims Expert Witness, Market Conduct Consulting Expert Witness, Market Conduct Audits Expert Witness, Client Avocacy Expert Witness, Litigation Support Services Expert Witness, Policy Drafting Expert Witness, Case Reserve Studies Expert Witness, Audit Enhancement Services Expert Witness, Workers Compensation Expert Witness, Asbestos Expert Witness, Environmental Expert Witness, Implants Expert Witness, Construction Defects Expert Witness, USL&H Expert Witness, Personal Lines Expert Witness, Products Liability Expert Witness, Fidelity Bonding Expert Witness, Surety Bonding Expert Witness, Fair Claim Practice Issues Expert Witness, Reinsurance Expert Witness, Marine Insurances Expert Witness, Medical Professional Liability Expert Witness, Legal Professional Liability Expert Witness

Or Contact Us @ 800-683-9847