Commercial Property Casualty Underwriter Expert Witness

Provides Opinion & Testimony In:

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

Expert Witness No.1505



A & H – Group Travel Accident
Alternative Dispute Resolution & Arbitration
Asbestos & Environmental
Best Practice Initiatives
Case & Bulk Reserving
Claim Auditing
Collateralized Policies
Construction Defect Claims
Consumerism & Insurance
Coverage Opinions
Coverage in Place Agreements & Policy Buybacks
Document & Communications Risk Management
Inland Marine & Uncontrolled Classes
Garage & GKLL
Latent Claims – asbestos, environmental, construction defects
Livery Risks
Marine & Uncontrolled Classes
Market Conduct & Fair Claim Practice Matters
Medical & Legal Malpractice
MGA – MGU Operations and Standards
Policy Drafting & Interpretation
Premium Financing
Products Liability
Reinsurance & follow fortune issues
Self-Insured Retentions
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


Expert's 45-year insurance career features senior management and officer positions in underwriting & claims, 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 claims, underwriting, and industry standards.   He has twenty years experience in Litigation Support. Demonstrated effective talent in managing large consulting engagements.  His policy design portfolio includes Contingent Consequential Loss Insurance, Perils of Transportation and Transit, Municipal Property Stabilized Rate Coverage, and Remarketing Expense Indemnity Insurance.  Michael is a frequent speaker and author on insurance industry matters. Thoroughly experienced at evaluation of GL AL & workers compensation claims (performs claim & underwriting audits). 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. Thoroughly experienced in training and education for the industry. 


11/09 to present: Self-Employed Insurance & Litigation Consultant: Coverage, bad faith, duties of agents and brokers, premium calculation etc.

05/97 to 05/07: Deloitte Consulting LLP, Hartford, Connecticut.  Practice Leader, Claims and Underwriting.  Expert progressed to Senior Manager and Practice Leader, Claims & Underwriting.  He designed and marketed specialized approaches to client advocacy, litigation support, and audit enhancement services for Deloitte’s attest clients.  Served as an Expert Witness nine times.

Expert led the insurance consulting team on many engagements including major due diligence projects, and he played a key role in both engagement specific and general insurance training for Deloitte & Touche professionals.  His areas of expertise include: Claims & Underwriting bad faith, GL & Umbrella policies, latent and emerging exposures (asbestos, environmental, implants, construction defects, etc.), USL&H, workers compensation & mods, products liability, surety, fair claim practice issues, reinsurance, property and marine insurances, and, medical & legal professional liability, misc. professional (claim adjusters, land surveyors, realtors etc. ). He was lead technical consultant on a number of diverse major engagements, such as denationalization of insurance in Uruguay.  In addition to his domestic engagements, Michael served clients in Canada, Europe, Mexico, and South America.  Expert played a major role in internal and external (for fee) education and training, service proposals, and sales presentations.  Successfully managed projects in excess of three million dollars. Developed the firms Latent Claims Manual and training programs for audit and actuarial staff.

Audited attest Clients latent claims operations including the Hartford, Allstate, CNA, Reliance, Geico, and American Reinsurance in support of actuarial practice. In non-attest engagements, audited the latent claims units of Travelers special liability group, Gerling America, Axa and others.

9/84 to 05/97: Regional Manager for AIG Claim Services Inc. Various Offices.   Directed major litigation and complex cases. Supervised the work of 4 GL-AL supervisors, and all claim activities within office autonomy of $60,000.   
Expert first began employment with AIG CLAIMS at Albany as casualty claim supervisor for New York in 1975.  He transferred to Milwaukee as Claim Manager for Wisconsin and Iowa in January 1977, and  in 1984 was promoted to New England Regional Claim Manager at Cambridge, MA.  Personally handled all product & professional liability claims during this tenure.  Personally supervised the coverage decisions on all claims. 

07/77 to 09/84: American International Companies (AIG), Boston, Massachusetts, Production Manager.    Expert held numerous management and officer positions in claims, underwriting and agency/brokerage management areas during his 19-year affiliation with member companies of AIG.  As production manager managed the broker relationships and led the marketing effort for all AIG companies.  Negotiated arbitration arrangements with major clients, and performed underwriting functions for those profit centers not represented in the Boston Regional Office.  Resident officer, AIG Insurance Agency of Massachusetts.

08/75 to 07/77 Underwriting Manager, AIG MarketPac Programs, Cambridge MA.  All lines underwriting for commercial lines. 

02/67 to 08/75 Travelers Insurance Company, Hartford Connecticut.  Expert entered the insurance industry in 1967 as a multi-line adjuster with The Travelers Claim Department at Akron, Ohio. Following several years as a Claim Supervisor and liaison with major rubber companies, Michael 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 and ruled on coverage matters and claims exceeding field authority levels.


B.S. Ohio University, 1966.
Awarded CPCU designation in 1984.



Lecturer, Northeastern University, 1987 to 1996.
Recipient of Northeastern University's Distinguished Instructor Captain's Chair Award, 1993.
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 and Risk Management.
Member, Insurance Library Association of Boston.


Handling Performance – Gain Sharing and Performance Guarantee Arrangements, North American Insurance Bulletin, summer, 1996.
Get the Better of Workers Compensation, Journal of Property Management, March/April, 1997
Gain Sharing and Performance Guarantee Arrangements: Can They be Useful for TPAs & Casualty Claim Organizations?  Claims magazine, May 1997.
Market Conduct Compliance: Defining a Best Practices Model, The Standard October 1, 1999.
Operational Due Diligence to Avoid Surprises, Insights newsletter, a Deloitte & Touche publication, March 2001.
Reserving for Construction Defects, Casualty Actuarial Society 2001 Fall Forum. 


CPCU Workshop: Workers Compensation Issues, Rochester NY, March 27, 1996.
CPCU Workshop: Workers Compensation Issues, Wilkes Barre PA, April 23, 1996.
Property and Casualty Loss Reserves Workshop, Orlando, November 7-8, 1996.
Casualty Actuarial Society Seminar on Mergers & Acquisitions, Panelist, Toxic Tort Symposium, Snowbird, UT, April 8, 1997.
Property and Casualty Loss Reserves Workshop, San Francisco, October 9-10, 1997.
Property and Casualty Loss Reserves Workshop, Orlando, November 6-7, 1997.
D&T’s National Insurance Training Program for audit professionals, Colorado Springs, September 14-16, 1998.
D&T’s National Insurance Training Program for audit professionals, Colorado Springs, September 13-15, 1999
Property and Casualty Loss Reserves Workshop, Orlando, November 18-19, 1999. 
Casualty Actuarial Society Loss Reserve Seminar, Moderator – Construction Defects Panel Discussion, Arlington VA, September 23-24, 2002.